Timothy D. Broderick
Managing Director, Wealth Management, Financial Advisor, Family Wealth Director
Phone:
(860) 275-0770(860) 275-0770
The BHR Group at Morgan Stanley
Timothy D. BroderickRandy S. HolmeenPeter N. Junggren, Jr.Austin S. HershEmily R. HodgdonLisa CapobiancoBrian Peterson, CRPC®Mena Haile
Direct:
(860) 275-0771(860) 275-0771
Toll-Free:
(800) 248-4499(800) 248-4499
Industry Award WinnerOur Mission Statement
To help simplify the complexities of our clients' success
The BHR Group - Balance, Health & Reliability
Helping you with tailored investment and wealth planning strategies for your life and legacy.
Based in Hartford, Connecticut, The BHR Group at Morgan Stanley is a tight-knit team of dedicated professionals devoted to helping successful families, entrepreneurs and corporate executives achieve their specific financial goals in today’s complex global marketplace. The team has been recognized on the 2024 Forbes Best-In-State Wealth Management List for Connecticut, a testament to The BHR Group’s commitment to delivering exceptional financial experience and personalized service to their valued clients.
For Families Seeking Wealth Planning Guidance: we serve as their primary Financial Advisor creating a comprehensive road map that seeks to ensure financial success over multiple generations. We combine the disciplines of financial planning, professional portfolio management and tax-efficient investment strategies through our personalized and disciplined approach to stewarding wealth for our valued clients.
For Corporate Executives: We place additional focus on the complexities of equity compensation and highly concentrated stock portfolios. Our team has experience in 10b5-1 plans and corporate stock administration as we strive to be a trusted partner for company leadership. We are dedicated to make it easy for you and your family to manage virtually every aspect of your financial life, no matter how complex your specific challenges may be.
At The BHR Group, our mission is to inspire you to be confident in your financial decisions. From an established foundation backed by Morgan Stanley’s vast resources and leading intellectual capital, our team operates with an entrepreneurial mindset, continuously striving to challenge the status quo and provide our valued clients with customized advice, guidance and service excellence.
Disclaimer:
Clients executing a 10b5-1 Plan should keep the following important considerations in mind: (1) 10b5-1 Plans should be approved by the compliance officer or general counsel of the company; (2) A 10b5-1 Plan may require a cessation of trading activities at times when lockups may be necessary to the company (i.e. secondary offerings, pooling transactions, etc.); (3) A 10b5-1 Plan does not generally alter the regulatory requirements (e.g. Rule 144, Section 16, Section 13D) that may otherwise be applicable; (4) 10b5-1 Plans that are modified or terminated early may weaken or lose the benefit of the affirmative defense; (5) Public disclosure of 10b5-1 Plans (e.g., via press release) may be appropriate for some insiders; (6) Most companies will permit 10b5-1 Plans to be implemented only during open window periods; and (7) Morgan Stanley Smith Barney, as well as some issuers, imposes a mandatory waiting period between the execution of the 10b5-1 Plan and the first sale pursuant to the 10b5-1 Plan.
Preset Diversification Program is a registered Trademark of Morgan Stanley Smith Barney LLC, protected in the United States and other countries.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/23.
Based in Hartford, Connecticut, The BHR Group at Morgan Stanley is a tight-knit team of dedicated professionals devoted to helping successful families, entrepreneurs and corporate executives achieve their specific financial goals in today’s complex global marketplace. The team has been recognized on the 2024 Forbes Best-In-State Wealth Management List for Connecticut, a testament to The BHR Group’s commitment to delivering exceptional financial experience and personalized service to their valued clients.
For Families Seeking Wealth Planning Guidance: we serve as their primary Financial Advisor creating a comprehensive road map that seeks to ensure financial success over multiple generations. We combine the disciplines of financial planning, professional portfolio management and tax-efficient investment strategies through our personalized and disciplined approach to stewarding wealth for our valued clients.
For Corporate Executives: We place additional focus on the complexities of equity compensation and highly concentrated stock portfolios. Our team has experience in 10b5-1 plans and corporate stock administration as we strive to be a trusted partner for company leadership. We are dedicated to make it easy for you and your family to manage virtually every aspect of your financial life, no matter how complex your specific challenges may be.
At The BHR Group, our mission is to inspire you to be confident in your financial decisions. From an established foundation backed by Morgan Stanley’s vast resources and leading intellectual capital, our team operates with an entrepreneurial mindset, continuously striving to challenge the status quo and provide our valued clients with customized advice, guidance and service excellence.
Disclaimer:
Clients executing a 10b5-1 Plan should keep the following important considerations in mind: (1) 10b5-1 Plans should be approved by the compliance officer or general counsel of the company; (2) A 10b5-1 Plan may require a cessation of trading activities at times when lockups may be necessary to the company (i.e. secondary offerings, pooling transactions, etc.); (3) A 10b5-1 Plan does not generally alter the regulatory requirements (e.g. Rule 144, Section 16, Section 13D) that may otherwise be applicable; (4) 10b5-1 Plans that are modified or terminated early may weaken or lose the benefit of the affirmative defense; (5) Public disclosure of 10b5-1 Plans (e.g., via press release) may be appropriate for some insiders; (6) Most companies will permit 10b5-1 Plans to be implemented only during open window periods; and (7) Morgan Stanley Smith Barney, as well as some issuers, imposes a mandatory waiting period between the execution of the 10b5-1 Plan and the first sale pursuant to the 10b5-1 Plan.
Preset Diversification Program is a registered Trademark of Morgan Stanley Smith Barney LLC, protected in the United States and other countries.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/23.
Services Include
- Financial PlanningFootnote1
- Executive Financial ServicesFootnote2
- Retirement PlanningFootnote3
- Asset Management
- Professional Portfolio ManagementFootnote4
- Alternative InvestmentsFootnote5
- Sustainable InvestingFootnote6
- Business Succession PlanningFootnote7
- Estate Planning StrategiesFootnote8
- Trust ServicesFootnote9
- Planning for Education FundingFootnote10
- Philanthropic ManagementFootnote11
- Stock Plan ServicesFootnote12
- Cash Management and Lending ProductsFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients and Our Process
Our Clients:
Our clients are dynamic people who have built and led successful enterprises and created significant wealth in the process.
As your wealth grows, your financial life and the resources required to manage it become more complex. Having a leading Firm and an experienced team of professionals on your side can help you interpret, plan and find success, thus allowing you to focus on your passions and pursuits.
As your Wealth Management family, we are dedicated to learning about you – where you come from, where you want to go, what’s important to you and why. Understanding what matters to you enables us to develop strategies to help build the ideal future for you and your family.
As a dedicated team serving multigenerational families, we are proud of the fact that many of our clients have been with us for more than 20 years. We are honored to work with their children and grandchildren, and often their parents. We work seamlessly to provide exceptional service, objective guidance and strategies. Additionally, we strive to coordinate with your other trusted advisors, from accountants and estate attorneys, to anyone you value for life and career advice, to help ensure we are all on the same page focused on your best interest.
Through our comprehensive and high level of service, we strive to give you and your family confidence knowing you have a dedicated team who is always there for you. We find tremendous joy in our daily work and with the people we are honored to serve. "When you work with one of us, you get the best of all of us."
Our group grows almost exclusively through referral and our asset management minimums are $1,000,000.
Our Process:
While all successful families face complex issues, each has its own challenges, opportunities and aspirations. Based on a deep understanding of these factors, we can help you create a customized, comprehensive plan to help you achieve your unique vision of a successful life. At The BHR Group, we are passionate about helping you reach your goals, and we have a disciplined process to get you there.
Our clients are dynamic people who have built and led successful enterprises and created significant wealth in the process.
As your wealth grows, your financial life and the resources required to manage it become more complex. Having a leading Firm and an experienced team of professionals on your side can help you interpret, plan and find success, thus allowing you to focus on your passions and pursuits.
As your Wealth Management family, we are dedicated to learning about you – where you come from, where you want to go, what’s important to you and why. Understanding what matters to you enables us to develop strategies to help build the ideal future for you and your family.
As a dedicated team serving multigenerational families, we are proud of the fact that many of our clients have been with us for more than 20 years. We are honored to work with their children and grandchildren, and often their parents. We work seamlessly to provide exceptional service, objective guidance and strategies. Additionally, we strive to coordinate with your other trusted advisors, from accountants and estate attorneys, to anyone you value for life and career advice, to help ensure we are all on the same page focused on your best interest.
Through our comprehensive and high level of service, we strive to give you and your family confidence knowing you have a dedicated team who is always there for you. We find tremendous joy in our daily work and with the people we are honored to serve. "When you work with one of us, you get the best of all of us."
Our group grows almost exclusively through referral and our asset management minimums are $1,000,000.
Our Process:
While all successful families face complex issues, each has its own challenges, opportunities and aspirations. Based on a deep understanding of these factors, we can help you create a customized, comprehensive plan to help you achieve your unique vision of a successful life. At The BHR Group, we are passionate about helping you reach your goals, and we have a disciplined process to get you there.
Step One: Listen and Learn
We strive to develop a deep understanding of your core values and help you define goals for you and your family. We encourage you to share any pertinent information and data that will assist us in understanding your entire financial picture.
Step Two: Create
Now that we have a better understanding of who you are, what you’re hoping to accomplish and your overall financial picture, we begin crafting your tailored plan. We conduct our analysis by intertwining our creative thinking with our Firm’s sophisticated financial planning and asset allocation software, then we run stress tests and scenario comparisons. When needed, we consult with our numerous professionals to review various facets of your financial footprint.
Step Three: Educate
Once we complete our analysis, we present you with our personalized recommendations and an explanation of projections to help get you from here to there. We discuss various action items related to the many facets of your financial life.
Step Four: Implement
With your consent and agreed-upon course of action and timeline required to implement, we will begin to help make the plan a reality.
Step Five: Monitor and Adjust
Your customized financial plan is not a static document. Your family’s financial road map is crafted in a dynamic fashion in which we continuously review and adjust according to your needs, life events and changing market conditions. Through our proactive approach and high level of service, we strive to give you and your family confidence knowing you have a dedicated team that is always there for you.
With help from speakers across the firm, we are dedicated in providing clients with timely and educational resources on their financial journey.
Upcoming Firm Events
October 6th, 2025 | Cybersecurity and Social Media Habits
Protecting your personal information online is more important than ever. Join our next Wealth Education for the Next Generation virtual event on Monday, October 6th to discover essential cybersecurity practices and develop responsible social media habits that will help safeguard your digital presence in today's interconnected world.
Past Firm Events
September 2025 | American Exceptionalism: The Great Rebalancing
Morgan Stanley Wealth Management's Chief Investment Officer Lisa Shalett in a conversation with Morgan Stanley Investment Management's Head of Consilient Research for Counterpoint Global Michael Mauboussin as they explore whether the period of American Exceptionalism is coming to an end and discuss key considerations for investors, including:
- The potential impact of elevated federal debt and deficits and structural imbalances in wealth/income inequality on economic growth and inflation
- Key sector trends contributing to the Great Rebalancing, including tech and energy
- The rising importance of an actively managed, diversified portfolio with exposure to global and value-oriented securities
September 2025 | Housing Insights for the Next Decade
Hosted by Ellen Zentner, Chief Economic Strategist and Global Head of Thematic and Macro Investing, this webcast will feature a panel of experts who will explore the key trends shaping the future of the US housing market, including:
- Anticipated demand for up to 18 million new housing units
- Challenges of affordability
- The shift towards smaller homes and increased rentership
August 2025 | Estate Planning Overview: Caregiver Considerations
This session is specifically designed for the "Sandwich Generation". As individuals balancing the dual responsibilities of caring for aging parents and supporting their own children, effective estate planning is crucial. This webcast will provide valuable strategies to manage these unique challenges, ensuring financial security and peace of mind for you and your loved ones.
July 2025 | Health is Wealth: Cultivating Healthy Habits for Longevity and Prosperity
Dr. Kim Henderson, Head of Wealth Management Health & Wellness Education, will provide valuable insights into managing healthcare effectively, emphasizing the importance of investing in preventative care and cultivating healthy habits.
July 2025 | Exclusive Event: Global Tensions & Washington Moves
Join Morgan Stanley Wealth Management's Chief Economic Strategist Ellen Zentner in a conversation with Morgan Stanley Wealth Management's Head of U.S. Policy Monica Guerra & Morgan Stanley's Global Head of Government Relations Michael J. Stein, as they discuss:
- Updates on US Trade and Immigration policy
- The One Big Beautiful Bill Act and its potential implications
- Key developments to monitor over the next 30, 60, and 90 days
Helpful Resources for Our Valued Clients
With The BHR Group at your side, reaching your most important goals can potentially be less challenging and more rewarding. We are ready to help you achieve your goals by working with you and your other trusted advisors, and combining our financial insights with the global resources of Morgan Stanley.
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Listen HereStrategies for Managing Your Company’s Wealth
Whether it’s a company executive or an employee stock plan, our team has experience helping your company provide viable financial solutions to your entire organization.
Financial Wellness
Our workplace solutions give employees the confidence to take charge of their finances – and their future. By improving your employees’ financial wellness, you can benefit from a more productive workforce.
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Executive Financial Services and 10b5-1 Plans
Our team works with a variety of corporations in the technology, industrial and life science sectors to provide executive financial services to company leaders and other insiders. We focus on providing advice for pre- and post-IPO concentrated stock positions and uncover gifting, lending and liquidity strategies that are in line with a company’s insider trading policy.
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We design equity compensation solutions that can grow alongside your business and people at any stage. With tailored solutions, modern technology, hands-on guidance and dedicated service, we help you effectively administer equity while managing risk and compliance on a global scale.
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Retirement Solutions
Our Retirement Solutions offering provides fiduciary oversight, employee education and engagement to help drive the best possible employee outcomes. We serve a full spectrum of plan types including 401(k) and 403(b) plans, pension plans and non-qualified deferred compensation plans.
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Deferred Compensation
Through a Nonqualified Deferred Compensation (NQDC) plan, your executives can save for the future while having the ability to take advantage of Morgan Stanley Wealth Management services.
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Enable your employees to make the financial moves that matter most to them, whether that’s giving to their favorite charity or saving for future education.
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Stock Plan Participant Survey
Employers are looking to every resource available to increase employee loyalty and retention—including employee stock plans. Our third annual Voice of the Participant survey finds that such plans can be a key workplace offering for both employees and employers.
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The Washington Update
The Washington Update is a newsletter that provides a summary of recent legislative and regulatory updates affecting retirement savings, and helps plan sponsors navigate through the intricacies of the policymaking process.
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Goodwin Square Tower, 255 Asylum St
Floor 14
Hartford, CT 06103
US
Direct:
(860) 275-0771(860) 275-0771
Toll-Free:
(800) 248-4499(800) 248-4499
Meet The BHR Group
Randy S. Holmeen
Executive Director, Wealth Management, Financial Advisor, Family Wealth Director, Lending Specialist
Phone:
(860) 275-0771(860) 275-0771
Peter N. Junggren, Jr.
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director, Executive Financial Services Director
Phone:
(860) 275-0774(860) 275-0774
Austin S. Hersh
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director, Financial Planning Specialist
Phone:
(860) 275-0731(860) 275-0731
Emily R. Hodgdon
Financial Advisor, Financial Planning Specialist
Phone:
(860) 275-0781(860) 275-0781
Lisa Capobianco
Vice President, Wealth Management Associate
Phone:
(860) 275-0767(860) 275-0767
Brian Peterson, CRPC®
Portfolio Associate, Financial Planning Specialist
Phone:
(860) 275-0784(860) 275-0784
Mena Haile
Client Service Associate
Phone:
(860) 275-0703(860) 275-0703
About Timothy D. Broderick
With 33 years in the financial services industry, Timothy D. Broderick is the most senior member of The BHR Group at Morgan Stanley, bringing a wealth of experience in personal financial wellness programs and an extensive knowledge of corporate stock plans to the team. Serving corporations, stock plan needs throughout the years has allowed him to develop a proficiency in The BHR Group’s other core competency: servicing the wealth management needs of past and present corporate executives and entrepreneurs.
Additionally, Tim is dedicated to his continuous professional development, and is among a select group of Advisors holding the rigorous Family Wealth Director designation. This elite designation gives The BHR Group direct access to the Family Wealth Advisory Services (FWAS) suite of resources and products, empowering the team to provide their ultra-high net worth clients with a truly differentiated experience, competitive with a multifamily office service platform.
Tim’s natural affinity for finance and close attention to clients, underlying thoughts, beliefs and tendencies align perfectly with The BHR Group’s philosophy of educating and empowering clients, corporate and individual, to make decisions that are based on fundamentals rather than emotion. “We don’t go into meetings telling people what to do. We listen to what their goals and objectives are, we educate them so they can make appropriate decisions for their unique situation, and then we create a customized plan to help meet those identified needs.” Clients appreciate Tim’s personable style, possibly “old fashioned,” but given the choice, he much prefers face-to-face meetings versus communication exclusively by phone and email. “Paying attention to detail is paramount. Connecting on a more intimate level allows for a better understanding of the individual, their situation, and how I can construct a long-range plan that can help provide desired results.” This philosophy feeds directly into The BHR Group’s client-centric, high-level service approach and creates the mutual trust and respect necessary for a long-term, positive relationship.
Outside of work, Tim is an avid golfer and he also breeds championship Doberman Pinschers. He resides in Middlebury, Connecticut, with his wife, Susan. They are the proud parents of four daughters and were recently promoted to grandparents.
Additionally, Tim is dedicated to his continuous professional development, and is among a select group of Advisors holding the rigorous Family Wealth Director designation. This elite designation gives The BHR Group direct access to the Family Wealth Advisory Services (FWAS) suite of resources and products, empowering the team to provide their ultra-high net worth clients with a truly differentiated experience, competitive with a multifamily office service platform.
Tim’s natural affinity for finance and close attention to clients, underlying thoughts, beliefs and tendencies align perfectly with The BHR Group’s philosophy of educating and empowering clients, corporate and individual, to make decisions that are based on fundamentals rather than emotion. “We don’t go into meetings telling people what to do. We listen to what their goals and objectives are, we educate them so they can make appropriate decisions for their unique situation, and then we create a customized plan to help meet those identified needs.” Clients appreciate Tim’s personable style, possibly “old fashioned,” but given the choice, he much prefers face-to-face meetings versus communication exclusively by phone and email. “Paying attention to detail is paramount. Connecting on a more intimate level allows for a better understanding of the individual, their situation, and how I can construct a long-range plan that can help provide desired results.” This philosophy feeds directly into The BHR Group’s client-centric, high-level service approach and creates the mutual trust and respect necessary for a long-term, positive relationship.
Outside of work, Tim is an avid golfer and he also breeds championship Doberman Pinschers. He resides in Middlebury, Connecticut, with his wife, Susan. They are the proud parents of four daughters and were recently promoted to grandparents.
Securities Agent: ID, AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, DC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278709
NMLS#: 1278709
About Randy S. Holmeen
Having dedicated himself to serving as the primary “doctor of financial health” for families and corporate executives for over two decades, Randy S. Holmeen is very passionate about helping those he educates achieve financial happiness and, ultimately, meaning and purpose to their lives. He achieves this through a very hands on, tailored and consultative approach, with a focus on simplifying the complex, hand-holding during times of distress, and consistently teaching regarding the pros and cons of the multitude of changing investment, tax and financial planning decisions we all face every day.
Looking back, Randy recognizes that his senior thesis on behavioral finance at Drew University, where he majored in economics and minored in business management, played a pivotal role in the way he approaches his work today. Randy has integrated his knowledge of how we are wired as humans into a cornerstone of The BHR Group's model. “Social and emotional factors are key to financial decision-making. I’m a firm believer that the better we understand how our emotions impact our decision making, the smarter we can be as investors,” he says.
To that end, The BHR Group strives to simplify the complex so that knowledgeable decisions can be made with each investor’s financial well-being as the focus. Armed with an MBA from the University of Connecticut, Randy developed a vision for running his own practice. Launched in 2007, The BHR Group at Morgan Stanley* has two major areas of focus: current and former corporate executives, 10b5-1 planning, and corporate stock plan services. Outside of work, Randy enjoys family time, triathlons, soccer, golf and travel. He is very active in the local community: Randy serves as the Director for the Geno Auriemma’s Golf Fore the Kids, in support of Connecticut Children’s Medical Center. Originally from South Windsor, Connecticut, Randy resides in West Hartford with his wife, Nicole, and two children, Caden and Ivy.
Looking back, Randy recognizes that his senior thesis on behavioral finance at Drew University, where he majored in economics and minored in business management, played a pivotal role in the way he approaches his work today. Randy has integrated his knowledge of how we are wired as humans into a cornerstone of The BHR Group's model. “Social and emotional factors are key to financial decision-making. I’m a firm believer that the better we understand how our emotions impact our decision making, the smarter we can be as investors,” he says.
To that end, The BHR Group strives to simplify the complex so that knowledgeable decisions can be made with each investor’s financial well-being as the focus. Armed with an MBA from the University of Connecticut, Randy developed a vision for running his own practice. Launched in 2007, The BHR Group at Morgan Stanley* has two major areas of focus: current and former corporate executives, 10b5-1 planning, and corporate stock plan services. Outside of work, Randy enjoys family time, triathlons, soccer, golf and travel. He is very active in the local community: Randy serves as the Director for the Geno Auriemma’s Golf Fore the Kids, in support of Connecticut Children’s Medical Center. Originally from South Windsor, Connecticut, Randy resides in West Hartford with his wife, Nicole, and two children, Caden and Ivy.
Securities Agent: KS, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, AK, KY, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 135537
NMLS#: 135537
About Peter N. Junggren, Jr.
Peter N. Junggren started his career in 2004 when he was recruited as a Financial Advisor on a corporate stock plan team at UBS. Over his tenure at UBS, Peter cultivated his wealth management clientele while learning the nuances of company stock administration, including, but not limited to, stock options, RSUs, SARs and ESPP plans. It was a great fit. Peter, who majored in psychology at St. Lawrence University, views his work as a Financial Advisor as the perfect marriage of two interests: behavior and finance. “It’s fascinating to me, the psychology behind it all. I have always excelled at mathematics and analytics, so this was a great way to combine the two.”
Once he had identified the right career, Peter set out to find a team to call home. In 2011, Peter joined as a Senior Partner of The BHR Group at Morgan Stanley—another perfect fit. “What I particularly appreciate about The BHR Group is that we all share the same philosophy,” Peter explains. “We don’t want our clients to make decisions based on emotion. Our goal is to educate clients and empower them to make informed decisions that help them achieve their financial goals.”
Peter’s enthusiasm for his work is palpable. He outlines the three things that motivate him to come to the office every day: the diversity and depth of the client base, the detailed analytic approach that wealth management demands, and the art to applying fundamentals of finance to every client’s unique scenario. “No two financial pictures are the same; therefore, no two financial plans should be the same. What drives me day to day is finding that perfectly personalized financial plan that helps achieve all of a client’s goals,” says Peter. Originally from New York, Peter now resides in West Hartford with his wife, Miranda, and two dogs. When not playing tennis in the summer or skiing in the winter, Peter enjoys traveling. He plans to visit 50 countries before his 50th birthday.
Once he had identified the right career, Peter set out to find a team to call home. In 2011, Peter joined as a Senior Partner of The BHR Group at Morgan Stanley—another perfect fit. “What I particularly appreciate about The BHR Group is that we all share the same philosophy,” Peter explains. “We don’t want our clients to make decisions based on emotion. Our goal is to educate clients and empower them to make informed decisions that help them achieve their financial goals.”
Peter’s enthusiasm for his work is palpable. He outlines the three things that motivate him to come to the office every day: the diversity and depth of the client base, the detailed analytic approach that wealth management demands, and the art to applying fundamentals of finance to every client’s unique scenario. “No two financial pictures are the same; therefore, no two financial plans should be the same. What drives me day to day is finding that perfectly personalized financial plan that helps achieve all of a client’s goals,” says Peter. Originally from New York, Peter now resides in West Hartford with his wife, Miranda, and two dogs. When not playing tennis in the summer or skiing in the winter, Peter enjoys traveling. He plans to visit 50 countries before his 50th birthday.
Securities Agent: VT, UT, TX, OR, PA, OK, SC, WI, VI, WA, VA, WV, TN, SD, MS, PR, WY, OH, NY, RI, NV, NH, NM, ND, MT, MO, DC, MI, ID, LA, KY, KS, IN, MA, IL, ME, IA, HI, GA, MN, MD, FL, DE, CT, CO, AZ, AR, CA, AK, NC, AL, NE, NJ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1847116
NMLS#: 1847116
About Austin S. Hersh
Opening his first investment account at the age of 16 with money saved from his Bar Mitzvah, Austin has been captivated by the financial markets since a very young age. He had always thought that he would pursue a career in the hedge fund space, however, as he advanced in his college career and then his professional development he realized that he craved a profession where he’d have the opportunity to apply his knowledge and passion for investments and finance, but also directly impact the lives of successful individuals and families. With that deep desire to help, Austin pursued a career in Wealth Management with Morgan Stanley - and looking back today, he could not be more grateful for that decision.
Austin graduated from Bryant University with a Bachelor of Science in Finance and minor in Psychology. There he was an Executive Board Member of the prestigious Archway Investment Fund and led strategy development for the portfolio. He is a member of Morgan Stanley Pacesetter’s Club, a global recognition program for Financial Advisors who demonstrate the highest professional standards and first-class client service. Additionally, in 2023 and 2024 he was named to the Forbes Top Next-Gen Advisors Best-In-State list for Connecticut, which highlights a select group of financial advisors believed to be the future of the industry.
Austin feels that with the rapid advancement in the technology innovation cycle, it is crucial to understand long-term secular trends in the economy and adjust your investment portfolio accordingly. He thoroughly enjoys investment research and engaging with Morgan Stanley’s intellectual capital in search of inspired ideas that can help bolster clients’ investment strategies and position them for long-term financial success.
Aside from his career, Austin is actively involved with The Hartford Foundation for Public Giving, with an additional focus on The Dennis Hersh Humanitarian Fund. In honor of his father Dennis G. Hersh, this fund supports Connecticut Children's Medical Center and the CT Humane Society. In addition, Austin is an avid golfer, snowboarder and fond of most sports and athletic actives. Above all else, he values time with family and friends. Austin currently resides in West Hartford, CT, with his wife, Sarah, beloved daughters, Hayley and Demi and their Goldendoodle, Harvey.
Award Disclosure:
2023-2024 Forbes Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2023-2024).Data compiled by SHOOK Research LLC based on 12-month period concluding in March of the year the award was issued.
Austin graduated from Bryant University with a Bachelor of Science in Finance and minor in Psychology. There he was an Executive Board Member of the prestigious Archway Investment Fund and led strategy development for the portfolio. He is a member of Morgan Stanley Pacesetter’s Club, a global recognition program for Financial Advisors who demonstrate the highest professional standards and first-class client service. Additionally, in 2023 and 2024 he was named to the Forbes Top Next-Gen Advisors Best-In-State list for Connecticut, which highlights a select group of financial advisors believed to be the future of the industry.
Austin feels that with the rapid advancement in the technology innovation cycle, it is crucial to understand long-term secular trends in the economy and adjust your investment portfolio accordingly. He thoroughly enjoys investment research and engaging with Morgan Stanley’s intellectual capital in search of inspired ideas that can help bolster clients’ investment strategies and position them for long-term financial success.
Aside from his career, Austin is actively involved with The Hartford Foundation for Public Giving, with an additional focus on The Dennis Hersh Humanitarian Fund. In honor of his father Dennis G. Hersh, this fund supports Connecticut Children's Medical Center and the CT Humane Society. In addition, Austin is an avid golfer, snowboarder and fond of most sports and athletic actives. Above all else, he values time with family and friends. Austin currently resides in West Hartford, CT, with his wife, Sarah, beloved daughters, Hayley and Demi and their Goldendoodle, Harvey.
Award Disclosure:
2023-2024 Forbes Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2023-2024).Data compiled by SHOOK Research LLC based on 12-month period concluding in March of the year the award was issued.
Securities Agent: AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, AR, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 1554839
NMLS#: 1554839
About Emily R. Hodgdon
Originally from Vero Beach, Florida, Emily moved to New England to pursue her career in the Financial Services Industry. Joining Morgan Stanley as a Wealth Advisor Associate, she had the opportunity to work with various different teams and advisors across the complex. This program allowed Emily to gain immense insight into the firm’s Modernized Wealth Digital Tools and the Wealth Planning process; where she gained a deeper knowledge and understanding of the skills needed to uncover clients' individual long-term objectives and the steps needed to help reach their goals.
Earning a double bachelor’s degree in Finance and Marketing from The Florida State University, Emily’s primary objective for a career was to be in a field where she could work with and help other people. What fulfills her the most is the comprehensiveness of BHR’s Wealth Management Practice - learning the intricacies of each client’s lives and helping them develop dynamic strategies that are tailored to their specific needs. With Financial Planning as the heart of their client service model, Emily’s core passion lies in the relationships built over time with the amazing families she has the honor of working with.
Outside of work, Emily enjoys traveling, yoga, spending time with friends and visiting her family. She currently resides in West Hartford, Connecticut and absolutely loves being outdoors – whether it’s skiing during the winters or hiking during the summers, she has become very comfortable and happy with her move away from Florida!
Earning a double bachelor’s degree in Finance and Marketing from The Florida State University, Emily’s primary objective for a career was to be in a field where she could work with and help other people. What fulfills her the most is the comprehensiveness of BHR’s Wealth Management Practice - learning the intricacies of each client’s lives and helping them develop dynamic strategies that are tailored to their specific needs. With Financial Planning as the heart of their client service model, Emily’s core passion lies in the relationships built over time with the amazing families she has the honor of working with.
Outside of work, Emily enjoys traveling, yoga, spending time with friends and visiting her family. She currently resides in West Hartford, Connecticut and absolutely loves being outdoors – whether it’s skiing during the winters or hiking during the summers, she has become very comfortable and happy with her move away from Florida!
Securities Agent: MA, UT, MN, PA, OK, VA, OH, HI, VI, WV, NM, RI, IL, NH, NE, WI, MI, WA, WY, NC, VT, OR, MO, PR, MD, AZ, NV, TN, SC, TX, SD, IN, KS, NY, MS, ID, DE, NJ, DC, IA, AR, KY, ND, MT, AL, CO, LA, ME, FL, GA, CT, CA, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 1954253
NMLS#: 1954253
About Lisa Capobianco
Lisa Capobianco joined Morgan Stanley in 1999 as a Client Associate in New York’s World Trade Center office, where she was stationed until moving to Connecticut in 2006 to join The BHR Group. Lisa is in charge of wealth management operations and client service for the team. She has a perpetual ambition to deliver first-class client service to every client of The BHR Group, assuring all operational needs are completed with accuracy and efficiency. Additionally, Lisa is a trendsetter for implementing Morgan Stanley’s cutting-edge digital tools into the team’s wealth management process while continuously striving to enhance the client experience. Lisa graduated from Hofstra University in 1999 with a degree in finance. She currently resides in Prospect, Connecticut, with her husband, Rod, and daughter, Gabriella.
About Brian Peterson
Brian Peterson was first introduced to the business as an intern for Scottrade in 2009, where he witnessed firsthand what it was like working with individuals and their finances. After graduating from Sacred Heart University in 2011 with a degree in finance and economics, he stayed with Scotttrade and transferred from the Fairfield, Connecticut, office to the West Hartford, Connecticut, office, where he became a licensed Financial Representative. In 2013, Brian made the move to Morgan Stanley, where he was first introduced to The BHR Group and the intricacies of the stock plan business. Today, Brian is a Portfolio Associate in charge of the team’s corporate stock plan operations and executive 10b5-1 plan execution. Outside of work, Brian enjoys exercising at the gym and running with his wife, Kelly. They reside in Newington, Connecticut, with their dog Clyde.
About Mena Haile
Mena Haile is a Client Service Associate with the BHR Group, bringing extensive experience to her role. Prior to joining the Firm, Mena worked in asset management with non-qualified plans at a consulting firm. She has also worked at Ayco, a Goldman Sachs Company, specializing in financial planning, as well as at Liberty Mutual and Key Bank.
A SUNY Oneonta graduate with a degree in business economics and a minor in business communications, Mena holds the SIE, Series 6, and Series 63 designations.
Outside of work Mena enjoys being outdoors, traveling, and exploring new restaurants. She lives in Middletown, CT, with her husband, Francis, and their Shiba Inu, Jake.
A SUNY Oneonta graduate with a degree in business economics and a minor in business communications, Mena holds the SIE, Series 6, and Series 63 designations.
Outside of work Mena enjoys being outdoors, traveling, and exploring new restaurants. She lives in Middletown, CT, with her husband, Francis, and their Shiba Inu, Jake.
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Contact Austin S. Hersh
Contact Emily R. Hodgdon
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2024-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Todd Vogel
Private Banker
About Todd Vogel
Todd Vogel is a Private Banker serving Morgan Stanley Wealth Management offices in Massachusetts.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Todd began his career in financial services in 1997, and joined Morgan Stanley in 2016. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch.
Todd is a graduate of Bates College, where he received a Bachelor of Arts in Political Science, and Clark University, where he received his Master of Business Administration. He lives in Newton, MA with his family. Outside of the office, Todd enjoys coaching for the Newton Boys and Girls Soccer Clubs.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Todd began his career in financial services in 1997, and joined Morgan Stanley in 2016. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch.
Todd is a graduate of Bates College, where he received a Bachelor of Arts in Political Science, and Clark University, where he received his Master of Business Administration. He lives in Newton, MA with his family. Outside of the office, Todd enjoys coaching for the Newton Boys and Girls Soccer Clubs.
NMLS#: 1150893
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Wealth Management
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
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A Simple Six-Step Retirement Checkup
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
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- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Working closely with you to guide your wealth and investments through the most challenging market cycles.
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Rational Investing in an Age of Uncertainty
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The BHR Group today.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
6Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
11Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
12Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
13Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
6Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
11Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
12Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
13Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
