Catheryne Diprete, CIMA®, CFP®
Senior Vice President, Financial Advisor
Phone:
(415) 482-1505(415) 482-1505
The North Bay Group at Morgan Stanley
Direct:
(415) 482-1505(415) 482-1505
Toll-Free:
(800) 505-1220(800) 505-1220
Our Mission Statement
At The North Bay Group, our mission is to serve as excellent stewards of your wealth. We seek to accomplish this objective by creating a comprehensive financial plan and a disciplined investment portfolio designed expressly for you -- and to keep that plan on track to help you achieve your goals. In pursuit of this mission, we firmly uphold the highest standards of integrity and professionalism with every decision we make.
About the North Bay Group
The North Bay Group is a highly experienced team that strives to help individuals and small business owners achieve financial independence. We believe when investors achieve financial independence, they can afford to live the lives they want and create the legacy they desire.
To achieve that objective, we listen attentively to your needs and concerns, provide thoughtful, strategically sound advice, and manage wealth prudently. We place as much importance on protecting your wealth as we do on growing it over time for you and future generations.
To achieve that objective, we listen attentively to your needs and concerns, provide thoughtful, strategically sound advice, and manage wealth prudently. We place as much importance on protecting your wealth as we do on growing it over time for you and future generations.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A Personalized Approach
Step 1: Introductory Meeting
During your initial meeting with us, we devote extensive time to listening carefully to your concerns and identifying your goals, risk considerations, and time horizon, among other important factors required to deliver personalized, prudent advice.
Step 2: Discovery Meeting
To ensure personalization, we meticulously consider every financial issue as well as frequently overlooked ones. We conduct a detailed analysis of your existing financial situation such as your spending, debt, savings and risk along with any other issues that you may encounter over time.
Step 3: Goals Analysis
Prior to plan implementation or any investment recommendation, we dedicate a great deal of time on methods to achieve a specific goal, such as choosing an investment vehicle for 401(k) contributions, identifying the most appropriate long-term care insurance policy, or gifting wealth to a loved one or a favorite charity.
Step 4: Plan Implementation & Ongoing Review
Once your financial plan is finalized and implemented, our work together has only just begun. We will communicate with you regularly to keep you well-informed and to ensure you remain comfortable with the progress of your plan. As your needs and goals change, we will carefully reevaluate your plan and confer with you to make necessary adjustments to keep your plan working towards your goals.
Location
1101 Fifth Avenue
Suite 275
San Rafael, CA 94901
US
Direct:
(415) 482-1505(415) 482-1505
Toll-Free:
(800) 505-1220(800) 505-1220
Meet The North Bay Group
Phone:
(925) 930-3840(925) 930-3840
Associate Vice President, Financial Advisor, Senior Portfolio Manager, Workplace Advisor - Equity Compensation
Phone:
(925) 730-3837(925) 730-3837
Senior Vice President, Wealth Advisor, Senior Portfolio Management Director
Phone:
(925) 730-3877(925) 730-3877
Cassandra Pate
Portfolio Associate
Phone:
(415) 482-1502(415) 482-1502
About Catheryne Diprete
Catheryne is a Certified Financial Planner® professional and a Certified Investment Management Analyst®. Catheryne also holds a Bachelor of Science in Economics from Cornell University and two Master’s degrees, one in Business Administration, another in Taxation. She has more than three decades of experience in finance.
Prior to joining a predecessor firm of Morgan Stanley’s in 2002, she worked 13 years in Finance and Accounting for a Fortune 500 company (Hewlett-Packard) and spent one of those years working for the company in France. In effect, she offers experience as a seasoned financial advisor and as a former multi-national finance manager.
When she isn’t serving the needs of her clients, Catheryne enjoys swimming, wake surfing, and other water sports in the San Francisco Bay area. She swam the length of Lake Tahoe in 2007 and across the English Channel in 2009. She also currently volunteers for the CFP® Board’s Standards Resource Commission. Catheryne has been married for over 20 years and has three stepchildren.
Prior to joining a predecessor firm of Morgan Stanley’s in 2002, she worked 13 years in Finance and Accounting for a Fortune 500 company (Hewlett-Packard) and spent one of those years working for the company in France. In effect, she offers experience as a seasoned financial advisor and as a former multi-national finance manager.
When she isn’t serving the needs of her clients, Catheryne enjoys swimming, wake surfing, and other water sports in the San Francisco Bay area. She swam the length of Lake Tahoe in 2007 and across the English Channel in 2009. She also currently volunteers for the CFP® Board’s Standards Resource Commission. Catheryne has been married for over 20 years and has three stepchildren.
Securities Agent: CA, HI, IL, UT, OR, MI, MA, AK, VA, SC, NC, GA, NV, IN, CO, PR, KY, MS, WA, SD, AZ, KS, TX, MO, MD, FL, PA, OH, MT, ID, WI, NY, NM, NJ, IA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282458
CA Insurance License #: 0D89946
NMLS#: 1282458
CA Insurance License #: 0D89946
About Sara Farner
Sara Farner, CFP® is a First Vice President at Morgan Stanley with over 20 years of experience in the securities industry. Sara began her career at Prager, McCarthy and Sealy, a municipal bond underwriting firm in San Francisco. She left Prager to work at Lazard’s west coast office which handled mergers and acquisitions for the tech, telecom and media sectors. Sara joined Morgan Stanley in 2000.
Sara is a graduate of Cal Poly San Luis Obispo, earned a Master’s Degree in Industrial/Organizational Psychology from Golden Gate University, as well as a degree from the California Culinary Academy in San Francisco.
Sara currently resides in Moraga with her two boys. Sara is involved with giving back to the community through the Junior League of San Francisco, Moraga Education Foundation and the Assistance League of Diablo Valley.
Everyone’s economic and life situation is unique, and she keeps that in mind when providing financial advice. Sara believes that personalized services are essential when matching clients with the right financial products and services. As a Financial Advisor, Sara is dedicated to learning about your personal goals. Together you will use them to build a financial plan focused on your specific needs.
Sara is a graduate of Cal Poly San Luis Obispo, earned a Master’s Degree in Industrial/Organizational Psychology from Golden Gate University, as well as a degree from the California Culinary Academy in San Francisco.
Sara currently resides in Moraga with her two boys. Sara is involved with giving back to the community through the Junior League of San Francisco, Moraga Education Foundation and the Assistance League of Diablo Valley.
Everyone’s economic and life situation is unique, and she keeps that in mind when providing financial advice. Sara believes that personalized services are essential when matching clients with the right financial products and services. As a Financial Advisor, Sara is dedicated to learning about your personal goals. Together you will use them to build a financial plan focused on your specific needs.
Securities Agent: MT, FL, SC, OR, NY, GA, AK, PA, IL, AZ, AL, UT, KY, ID, NV, NC, MO, ME, VA, TX, SD, NM, MS, MD, WA, MI, CA, WI, IA, CO, PR, HI, OH, MA, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 1285225
NMLS#: 1285225
About Jyoti Sharma
Jyoti Sharma brings a holistic perspective to financial planning, encompassing a 360-degree view of all aspects of a client’s financial life, to help formulate a customized, values-based strategy and guide each client toward confident, educated decisions. Based in our Pleasanton office, Jyoti frequently works with key employees and executives in the technology sector, and is fluent in the complex language of equity compensation and stock options. She also has a wide range of experience in working with women facing transitional situations.
Since 2006, Jyoti has earned clients’ trust though close collaboration with them on investments, tax harvesting, estate planning strategies, life insurance and long-term care, in coordination with their attorneys and tax advisors as needed.
Jyoti earned a B.S. in Business, magna cum laude, from CSU East Bay. She and her husband Jai Kumar, a tech executive, have two children: Ayushi, a Plastic Surgery Resident and Karan, a data scientist. An avid traveler, Jyoti also loves bicycling and cooking world cuisines. She is an active supporter of the nonprofit organization Narika and Blackhawk Community Cares Foundation.
Since 2006, Jyoti has earned clients’ trust though close collaboration with them on investments, tax harvesting, estate planning strategies, life insurance and long-term care, in coordination with their attorneys and tax advisors as needed.
Jyoti earned a B.S. in Business, magna cum laude, from CSU East Bay. She and her husband Jai Kumar, a tech executive, have two children: Ayushi, a Plastic Surgery Resident and Karan, a data scientist. An avid traveler, Jyoti also loves bicycling and cooking world cuisines. She is an active supporter of the nonprofit organization Narika and Blackhawk Community Cares Foundation.
Securities Agent: NV, NY, OR, OH, ID, KY, GA, CA, AZ, WI, NM, NC, MO, IL, CO, PA, WA, UT, MI, MA, AK, SC, SD, MT, MS, ME, KS, ND, MD, VA, TX, FL, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 2119647
CA Insurance License #: 0F48494
NMLS#: 2119647
CA Insurance License #: 0F48494
About Robin Sherwood-Barrie
Robin Sherwood is a Senior Vice President, Portfolio Management Director, and Certified Wealth Strategist at Morgan Stanley. With expertise in customized financial planning, Robin helps high-net-worth individuals, executives, and business owners protect, grow, and transfer wealth. She advises on portfolio management, tax strategies, and estate planning.
Robin is passionate about financial literacy and teaches money management skills to teens in her community. Outside of work, she enjoys photography, gardening, and travel. She holds a bachelor's degree from San Diego State University and a Certificate in Personal Financial Planning from UC Berkeley. Robin lives in Livermore, California, with her husband Bruce, a CFP and local community college professor.
Robin is passionate about financial literacy and teaches money management skills to teens in her community. Outside of work, she enjoys photography, gardening, and travel. She holds a bachelor's degree from San Diego State University and a Certificate in Personal Financial Planning from UC Berkeley. Robin lives in Livermore, California, with her husband Bruce, a CFP and local community college professor.
Securities Agent: PA, VA, MT, WA, MO, MA, ID, UT, NM, NC, KY, NY, SD, CO, CA, AK, IA, GA, FL, NV, ME, IL, HI, WI, TX, SC, OH, MD, KS, MS, AZ, OR, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1282423
CA Insurance License #: 0B86144
NMLS#: 1282423
CA Insurance License #: 0B86144
About Cassandra Pate
A Dominican University of California graduate and former retail manager, Cassandra has outstanding communication skills, enjoys problem solving and brings an empathetic outlook to her interactions. She is detail-oriented and strives to be a step ahead of any obstacles that might be encountered in her work. She is deeply committed to delivering the highest level of exceptional client service in a pleasant, easy-going manner every day. She is truly integral to the team in her role as client service associate and has enjoyed working with our clientele since she joined the firm in 2018.
Outside of work, Cassandra’s hobbies include cross-stitching, miniature painting and playing a variety of video games. She enjoys spending time with her husband, Chad, visiting local breweries together and going to the movies. She completed her first half marathon in 2015, which was the Nike Women’s Half Marathon San Francisco and continues to stay active with indoor cycling and strength training.
Outside of work, Cassandra’s hobbies include cross-stitching, miniature painting and playing a variety of video games. She enjoys spending time with her husband, Chad, visiting local breweries together and going to the movies. She completed her first half marathon in 2015, which was the Nike Women’s Half Marathon San Francisco and continues to stay active with indoor cycling and strength training.
Contact Catheryne Diprete
Contact Sara Farner
Contact Jyoti Sharma
Contact Robin Sherwood-Barrie
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
Farbod Farman
Associate Private Banker
Brett Fordyce
Planning Associate
About Farbod Farman
Farbod Farman is an Associate Private Banker serving Morgan Stanley Wealth Management offices in California.
Associate Private Bankers partner with Private Bankers and 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.
Farbod began his career in financial services in 2015, and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, he was an Associate Banker at Citi Private Bank. He also served as a Brokerage Associate at Wells Fargo.
Farbod is a graduate of the Hawaii Pacific University, where he received a Bachelor of Science in Business Administration with a concentration in International Business, and Missouri State University – West Plains, where he received his Associate in Arts degree in General Studies. He lives in San Rafael, California with his spouse. Outside of the office, Farbod enjoys working out, playing video games, watching movies, spending time with his family, volunteering and traveling. Farbod played basketball in college in the US, and for the Iranian National Team and represented them in many international tournaments including Asian Championship Cup and the World Cup.
Associate Private Bankers partner with Private Bankers and 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.
Farbod began his career in financial services in 2015, and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, he was an Associate Banker at Citi Private Bank. He also served as a Brokerage Associate at Wells Fargo.
Farbod is a graduate of the Hawaii Pacific University, where he received a Bachelor of Science in Business Administration with a concentration in International Business, and Missouri State University – West Plains, where he received his Associate in Arts degree in General Studies. He lives in San Rafael, California with his spouse. Outside of the office, Farbod enjoys working out, playing video games, watching movies, spending time with his family, volunteering and traveling. Farbod played basketball in college in the US, and for the Iranian National Team and represented them in many international tournaments including Asian Championship Cup and the World Cup.
NMLS#: 1619986
About Brett Fordyce
Brett Fordyce is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Brett provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
Brett earned his undergraduate and postgraduate degrees from Queensland University of Technology in Brisbane, Australia and received the Financial Planning Specialist® designation from the College for Financial Planning. Brett is originally from South Africa and currently resides in New York City.
Brett earned his undergraduate and postgraduate degrees from Queensland University of Technology in Brisbane, Australia and received the Financial Planning Specialist® designation from the College for Financial Planning. Brett is originally from South Africa and currently resides in New York City.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
When 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.
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
When 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.
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
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Ready to start a conversation? Contact The North Bay Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4When 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.
5When 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.
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.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4When 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.
5When 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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
