Kelly E Dougherty
Managing Director, Financial Advisor, Family Wealth Director, Insurance Planning Director, Lending Specialist, Senior Portfolio Management Director
Phone:
(760) 779-8412(760) 779-8412
111 Wealth Management Group at Morgan Stanley
Direct:
(760) 779-8431(760) 779-8431
Toll-Free:
(800) 927-9421(800) 927-9421
Industry Award WinnerOur Mission Statement
To pursue the best possible outcomes for our family of clients
111 Wealth Management Group
You deserve more than advice— you deserve a team that knows you, anticipates what’s next, and helps you move through complexity with certainty. At 111 Wealth Management Group, relationships are the heart of what we do, which means we begin with genuine and deep discovery: your goals, your concerns, your family dynamics, and what matters most to you. Then we translate that understanding into a dynamic, bespoke strategy—built to evolve as your world changes and the world changes.
With thoughtful coordination alongside your existing (or recommended) attorneys, accountants, and other specialists, we align our decisions—investment, tax, risk management, estate, and legacy—into a single, fully integrated strategy designed to optimize every aspect of your financial world. That level of coordination is designed to create consistency; it brings discernment—so the right conversations happen sooner, the right tradeoffs are made deliberately, and the details that often erode results are addressed before they become problems. Over time, this becomes the differentiator: a plan that not only holds together, but quietly compounds in its effectiveness—helping you pursue the strongest possible financial outcomes while turning complexity into a source of confidence and optionality, so your wealth can be used with intention in service of the life you want.
And because 111 Wealth Management Group houses a Family Wealth Director—an advanced designation held by 6 % of the Financial Advisors as of June 20205, supported by specialized training and access to exclusive Family Office Resources—we can deliver ultra-high net worth capabilities under one roof, helping you preserve and transfer wealth efficiently, strengthen multigenerational stewardship and decision-making, and build a legacy that carries your values forward with intention. The result is simple: less complexity, more confidence, and the freedom to truly enjoy your wealth—The 111 Way.
With thoughtful coordination alongside your existing (or recommended) attorneys, accountants, and other specialists, we align our decisions—investment, tax, risk management, estate, and legacy—into a single, fully integrated strategy designed to optimize every aspect of your financial world. That level of coordination is designed to create consistency; it brings discernment—so the right conversations happen sooner, the right tradeoffs are made deliberately, and the details that often erode results are addressed before they become problems. Over time, this becomes the differentiator: a plan that not only holds together, but quietly compounds in its effectiveness—helping you pursue the strongest possible financial outcomes while turning complexity into a source of confidence and optionality, so your wealth can be used with intention in service of the life you want.
And because 111 Wealth Management Group houses a Family Wealth Director—an advanced designation held by 6 % of the Financial Advisors as of June 20205, supported by specialized training and access to exclusive Family Office Resources—we can deliver ultra-high net worth capabilities under one roof, helping you preserve and transfer wealth efficiently, strengthen multigenerational stewardship and decision-making, and build a legacy that carries your values forward with intention. The result is simple: less complexity, more confidence, and the freedom to truly enjoy your wealth—The 111 Way.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- Alternative InvestmentsFootnote4
- Structured ProductsFootnote5
- Estate Planning StrategiesFootnote6
- Trust ServicesFootnote7
- Endowments and FoundationsFootnote8
- Executive Financial ServicesFootnote9
- Business PlanningFootnote10
- Business Succession PlanningFootnote11
- Cash Management and Lending ProductsFootnote12
- Life InsuranceFootnote13
- Long-term Care InsuranceFootnote14
- Planning for Education FundingFootnote15
- Philanthropic ManagementFootnote16
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
What Makes Us Different
RELATIONSHIPS ARE THE HEART OF EVERYTHING WE DO
We believe that superior wealth management begins with building genuine friendships. We take the time to really get to know who you are. This deep understanding of what's most important to you, who's most important to you, your objectives, and your broader financial landscape is the foundation for how we design your dynamic, bespoke wealth strategy.
BESPOKE STRATEGIES & SOLUTIONS
With a strong foundation built on a deep understanding of your unique needs, we design bespoke solutions and strategies that address every aspect of your financial life. Whether your situation requires wealth transfer planning, tax optimization, world-class asset management, maximizing equity compensation, philanthropy strategies, lending solutions, business consultations, lifestyle advisory services, or any other matter of importance to you, we bring together the capabilities, resources, experience, and a process designed to help you pursue the best possible financial outcome.
A SYNERGISTIC, MULTIGENERATIONAL TEAM
Our team unites 160+ years of collective wisdom through a powerful multigenerational synergy, blending the timeless insight of seasoned veterans with the forward-thinking energy of innovative minds—backed by advanced credentials like Family Wealth Director, Certified Financial Planner®, and Certified Investment Manager Analyst®, decades of hands-on experience, navigating complex financial landscapes. We don't just advise—we collaborate, working hand-in-hand with your existing (or recommended) accountants, attorneys, and other professionals to create one unified, fully integrated strategy.
Dougherty - Since 1984, Valentine - Since 1984, Clark - Since 1998, Wilson - Since 2001, Kaminsky - since 2021, Aguirre - Since 2001
ACCESS TO FAMILY OFFICE RESOURCES
111 Wealth Management Group has three Family Wealth Director's—a designation achieved by 6% of Morgan Stanley's Financial Advisors and awarded to elite groups of wealth advisors that have completed specialized training and have extensive experience advising highly affluent families like yours. Family Wealth Directors are uniquely qualified to manage the complex challenges of significant, multigenerational wealth. Our deep knowledge and extensive experience, combined with access to exclusive Family Office Resources enables us to support every aspect of your financial life all under one roof, always aligned with your family's distinct story and values.
EMPOWERMENT THROUGH EDUCATION
A cornerstone of our commitment to you is ongoing education and coaching. We believe in equipping you with the knowledge, wisdom, and guidance to help you make informed, confident decisions about your wealth—rather than simply telling you what to do. We create a judgment-free space where questions are encouraged, and the only "dumb" question is the one not asked. We break down even the most intricate concepts in a way that you can understand—so you can take control of your financial journey with true clarity and confidence.
Our Process: The 111 Way
Wealth is most powerful when it's leveraged intentionally, coordinated holistically, and executed with precision. At 111 Wealth Management Group, that belief shows up in how we listen, how we think, and how we act. We start by getting genuinely close to what matters most in your world—your priorities, your concerns, the people your decisions impact, and the tradeoffs you're willing (or not willing) to make—because meaningful wealth management isn't built from generic assumptions; it's built around the realities of your life and the decisions in front of you.
The real challenge isn't knowing what to do in theory—it's making consistently good decisions when everything is interconnected and the stakes are high. When wealth grows, the margin for error shrinks, and the cost of fragmented advice compounds. We're built for that moment: to bring clarity and intention to your financial world—because you deserve more than advice. You deserve a disciplined process that unifies strategy and follow-through, so every moving part works together and the value of great decisions compounds over time.
That process is The 111 Way.
1. Discover
We begin with a conversation designed to deeply understand the full story—not just the numbers. Discovery is the cornerstone of our process, because everything that follows depends on knowing what matters most to you. We start with what you want your wealth to do for you, the people it needs to support, and the goals, concerns, and family dynamics that shape your decisions—so we can translate that understanding into a dynamic, bespoke strategy.
2. Design
Next, we translate what we've learned into a clear, tailored strategy. We connect the components that are often handled separately so your plan has one direction and one purpose. The output isn't a report to file away—it's a practical plan designed to clarify priorities, illuminates tradeoffs, and creates a plan you can execute with confidence.
3. Deploy
Strategy only matters if it's implemented well. We coordinate the next steps with discipline and attention to detail—working alongside your existing (or recommended) attorneys, accountants, and other professionals—so execution stays consistent with the intent of the plan. And when complexity calls for more depth, we bring ultra-high net worth resources to the table to help ensure decisions are executed with the same rigor they were designed.
4. Deliver
As implementation progresses, the value extends beyond execution. You can develop a more organized view of your current position, the implications of key decisions, and potential next steps. With a structured approach, complex issues can be addressed more systematically, helping reduce uncertainty and support more informed decision-making over time.
5. Adapt
Life evolves, and so should your strategy. We proactively revisit your plan as circumstances change—because what works today has to stay aligned as your world and the world change—so your approach remains current, coordinated, and intentional rather than reactive.
What is a Family Wealth Director?
Achieved by fewer than 6% of Morgan Stanley's 16,000+ Financial Advisors— the Family Wealth Director designation is awarded to elite groups of Financial Advisors that have completed special training and have extensive experience advising highly affluent families.
Family Wealth Directors are uniquely qualified to manage the complex challenges of significant, multigenerational wealth. Our deep knowledge and extensive experience, combined with access to exclusive Family Office Resources, enables us to support every aspect of your financial life all under one roof.
We have the ability to evaluate a broad array of cutting-edge solutions to formulate tailored wealth strategies for your unique needs, goals and circumstances. We take an integrated approach that includes family governance, wealth transfer and tax optimization strategies, asset protection, world-class asset management, lending solutions, business consulting or any other matters of importance to you. This approach helps you and your family maintain unity as you pass both assets and values across generations.
Credentials
Family Wealth Director
The Family Wealth Director designation within Morgan Stanley is awarded to a highly trained group of select Financial Advisors serving an elite clientele facing more complex wealth management challenges. Family Wealth Directors within Morgan Stanly have extensive experience, specialized training and the resources to address planning for ultra-high net worth families in the areas of wealth transfer, business succession planning, asset protection, family governance and wealth education.
CIMA® - Certified Investment Management Analyst® (Ryan Wilson)
The Certified Investment Management Analyst (CIMA) is a certification for financial consultants and investment advisors. The CIMA is generally considered a high-level credential. It indicates that the financial advisor has both a proven track record of ethical conduct and significant accomplishment in their field. The Investments and Wealth Institute describes it as “the peak international, technical portfolio construction certification program.”
CFP® - Certified Financial Planner™ (Andrew Clark)
The Certified Financial Planner™ designation is awarded to candidates who have demonstrated expertise in the areas of Education, Investment, Tax, Retirement, Estate and Insurance planning. CFP® professionals must accrue several years of experience related to delivering financial planning services to clients and pass a comprehensive exam before calling themselves a CFP® Professional and are held to strict ethical standards to ensure financial planning recommendations are in the best interest of their clients.
CRPC® - Chartered Retirement Planning Counselor® (Gabe Aguirre)
The Chartered Retirement Planning Counselor™ designation is awarded to candidates who have demonstrated expertise in retirement planning. CRPC® professionals must accrue several years of experience related to retirement planning and pass a comprehensive exam before earning this designation.
Location
74199 El Paseo
Suite 201
Palm Desert, CA 92260
US
Direct:
(760) 779-8431(760) 779-8431
Toll-Free:
(800) 927-9421(800) 927-9421
Meet 111 Wealth Management Group
Kathleen M Valentine
Senior Vice President, Financial Advisor, Family Wealth Director, Insurance Planning Director
Phone:
(760) 779-8410(760) 779-8410
Andrew Clark, CFP®
Senior Vice President, Financial Advisor, Family Wealth Director, Portfolio Management Director
Phone:
(760) 779-8431(760) 779-8431
Ryan Wilson, CIMA®
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(760) 776-6235(760) 776-6235
Gabe Aguirre
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(760) 776-6234(760) 776-6234
Chase Kaminsky
Financial Advisor, Financial Planning Specialist
Phone:
(760) 776-6236(760) 776-6236
Noel Dodge
Wealth Management Associate
Phone:
(760) 779-8419(760) 779-8419
Courtney Hershberger
Wealth Management Associate
Phone:
(760) 776-6223(760) 776-6223
Tamara Spates
Senior Registered Client Service Associate
Phone:
(760) 776-6225(760) 776-6225
About Kelly E Dougherty
Kelly E. Dougherty is a Family Wealth Director, Senior Director-Portfolio Management, and Managing Director for Wealth Management at Morgan Stanley. He is a founding partner of 111 Wealth Management Group, formerly known as the Valentine Dougherty & Clark Wealth Management Group. Kelly’s professional areas of focus for the team include the coordination of investment and capital market strategy, tactics, security selection and analysis. He is passionate about identifying and solving complex challenges for ultra-high net worth (UNHW) families, including consulting on family governance and family legacy planning, as well as comprehensive risk identification and mitigation strategies. Kelly relishes the challenge of navigating the capital markets, utilizing sophisticated strategies and structures, to deliver appropriate solutions for clients.
Kelly came to Citi Family Office and Smith Barney in 2008 from UBS where he spent 24 years. Before joining UBS (PaineWebber) in 1984, he worked for EF Hutton & Co and Bateman Eichler, Hill Richards. Prior to his finance career, Kelly spent three years as a playing and teaching tennis professional.
Kelly is active in community and youth service organizations, and serves on several Boards of Directors, including Salvation Army Regional Advisory Board. He collects fine wines and is a member of the Confrerie des Chevalier du Tastevin, as well as being a passionate cook. He has been married to Kathleen Valentine since 1985, and they have one daughter.
Kelly came to Citi Family Office and Smith Barney in 2008 from UBS where he spent 24 years. Before joining UBS (PaineWebber) in 1984, he worked for EF Hutton & Co and Bateman Eichler, Hill Richards. Prior to his finance career, Kelly spent three years as a playing and teaching tennis professional.
Kelly is active in community and youth service organizations, and serves on several Boards of Directors, including Salvation Army Regional Advisory Board. He collects fine wines and is a member of the Confrerie des Chevalier du Tastevin, as well as being a passionate cook. He has been married to Kathleen Valentine since 1985, and they have one daughter.
Securities Agent: OH, AL, TN, OK, HI, FL, DE, AZ, VA, MI, MD, MA, IL, WI, SC, PA, MN, WY, NH, KY, WA, TX, NY, NM, CO, NV, NC, LA, AK, WV, IN, ID, UT, SD, NJ, IA, GA, RI, OR, MT, MS, MO, KS, CT, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1279568
CA Insurance License #: 0A63818
NMLS#: 1279568
CA Insurance License #: 0A63818
About Kathleen M Valentine
Kathleen M. Valentine is a Family Wealth Director, Wealth Manager and Senior Vice President Wealth Management at Morgan Stanley. Kathy is a founding partner of 111 Wealth Management who takes a holistic approach with clients, developing relationships grounded in sincerity and empathy. Kathy has a deep interest and knowledge in matters of financial preservation, focusing on cash and fixed income management, multi-generational financial planning that emphasizes estate and trust planning, advanced insurance strategies as well as strategic philanthropy.
Kathy began her finance career on Wall Street at Lehman Brothers in 1979, working with individual and institutional clients. Kathy has held positions at Merrill Lynch, Shearson Lehman, and EF Hutton & Co. A native New Yorker, she graduated Summa Cum Laude from the State University of New York, New Paltz.
Kathy is actively involved and holds leadership positions in a number of philanthropic, political, women’s and faith-based organizations. Her personal interests include fitness and nutrition, fine art, politics, and travel. She has been married to Kelly Dougherty since 1985, and they have one daughter.
Kathy began her finance career on Wall Street at Lehman Brothers in 1979, working with individual and institutional clients. Kathy has held positions at Merrill Lynch, Shearson Lehman, and EF Hutton & Co. A native New Yorker, she graduated Summa Cum Laude from the State University of New York, New Paltz.
Kathy is actively involved and holds leadership positions in a number of philanthropic, political, women’s and faith-based organizations. Her personal interests include fitness and nutrition, fine art, politics, and travel. She has been married to Kelly Dougherty since 1985, and they have one daughter.
Securities Agent: HI, AZ, NM, TX, NJ, AL, UT, TN, SD, NV, NH, MN, IA, DE, VA, OR, MI, ID, CO, CA, MD, IL, AK, PA, WI, MA, GA, FL, NC, CT, LA, WA, OK, OH, NY, MT, MS, IN, WY, WV, KY, SC, RI, MO, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 1265204
CA Insurance License #: 0A03528
NMLS#: 1265204
CA Insurance License #: 0A03528
About Andrew Clark
Andrew R. Clark is a Family Wealth Director, Portfolio Manager, Senior Vice President Wealth Management and Financial Advisor at Morgan Stanley. A founding partner of the 111 Wealth Management Group and a Certified Financial Planner™, Andy performs comprehensive financial planning and financial integration services for their clients. He leads our client onboarding and discovery process, applying deep and intent listening skills to uncover details about clients’ true values and wealth needs. Andy is an approachable advisor who communicates with clients in a jargon-free manner that inspires confidence.
He is a member of the Coachella Valley Angel Network and serves on several non-profit boards, including Act for MS and Desert Town Hall Speaker Series in which 111 Wealth Management is a primary sponsor. He also helps coordinate “Operation BBQ” for the troops at the 29 Palms US Marine Corp base, where he and others cook for 24 hours to feed and entertain 15,000 Marines, their families, and the families of Marines currently serving overseas.
Andy was a business major at the University of Colorado, Boulder. Before his finance career, he was a professional chef who trained at several culinary schools. When his schedule permits, Andy enjoys traveling as much as possible. After backpacking all over Europe, he proposed to his beautiful wife Shelly on a gondola in Venice. They have been married since 1998 and have two sons who both recently graduated from college and are now pursuing careers of their own with their oldest son Bannon moving to Texas and their youngest son Aidan living in Colorado.
He is a member of the Coachella Valley Angel Network and serves on several non-profit boards, including Act for MS and Desert Town Hall Speaker Series in which 111 Wealth Management is a primary sponsor. He also helps coordinate “Operation BBQ” for the troops at the 29 Palms US Marine Corp base, where he and others cook for 24 hours to feed and entertain 15,000 Marines, their families, and the families of Marines currently serving overseas.
Andy was a business major at the University of Colorado, Boulder. Before his finance career, he was a professional chef who trained at several culinary schools. When his schedule permits, Andy enjoys traveling as much as possible. After backpacking all over Europe, he proposed to his beautiful wife Shelly on a gondola in Venice. They have been married since 1998 and have two sons who both recently graduated from college and are now pursuing careers of their own with their oldest son Bannon moving to Texas and their youngest son Aidan living in Colorado.
Securities Agent: OR, KS, WA, NJ, MS, CT, AK, MO, WI, TX, PA, MN, IL, HI, WV, NH, ID, GA, FL, TN, SD, MT, IA, DE, AZ, NY, MI, MD, UT, RI, NM, NC, IN, AL, OH, NV, MA, CO, CA, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 1390734
CA Insurance License #: 0C48521
NMLS#: 1390734
CA Insurance License #: 0C48521
About Me
Ryan Wilson is a Financial Advisor, Portfolio Manager and Senior Vice President for 111 Wealth Management. Having recently joined Morgan Stanley, Ryan was previously Senior Vice President and Branch Director with RBC Wealth Management. His focus within the team is bringing together the complex world of capital markets, portfolio management, and risk management to deliver superior outcomes for clients. Ryan holds the Certified Investment Management Analyst® designation, which helps him distill the complex financial world into actionable insights for clients. His ability to ascertain the difference between financial "noise" and those events that should be incorporated into a client's strategy is what sets him apart from other wealth managers. Accordingly, he is dedicated to incorporating clients’ beliefs and goals are properly implemented into a sound wealth management process.
Ryan joined RBC Wealth Management in 2011. Prior to that time, he was a complex sales manager with Bank of America/Merrill Lynch and a regional manager at Chase Investment Services Corp. He began his financial services career in 2001 at A.G. Edwards and Sons.
Ryan is a graduate of the University of Arkansas with a major in financial management. He currently serves on the organizing committee and is past chairman for the Southwestern Growers Golf Tournament that benefits the Boys and Girls Club of the Coachella Valley. He is a former board member for Children’s Discovery Museum of the Desert and served on the board of the Academy for Musical Performance. Ryan and his wife, Amy, and three children, Riley, Jackson and Andrew, live in Palm Desert. When they aren’t shuttling around to sports practices and games, Ryan and Amy are active members at Toscana Country Club in Indian Wells. They also love to spend time in the summer at their home in Carlsbad.
Ryan joined RBC Wealth Management in 2011. Prior to that time, he was a complex sales manager with Bank of America/Merrill Lynch and a regional manager at Chase Investment Services Corp. He began his financial services career in 2001 at A.G. Edwards and Sons.
Ryan is a graduate of the University of Arkansas with a major in financial management. He currently serves on the organizing committee and is past chairman for the Southwestern Growers Golf Tournament that benefits the Boys and Girls Club of the Coachella Valley. He is a former board member for Children’s Discovery Museum of the Desert and served on the board of the Academy for Musical Performance. Ryan and his wife, Amy, and three children, Riley, Jackson and Andrew, live in Palm Desert. When they aren’t shuttling around to sports practices and games, Ryan and Amy are active members at Toscana Country Club in Indian Wells. They also love to spend time in the summer at their home in Carlsbad.
Securities Agent: SD, SC, VI, OK, PA, NM, UT, RI, WA, VT, OH, MD, WV, VA, WI, ND, WY, OR, TN, PR, MS, NE, MA, TX, NY, MT, NJ, NV, NC, MI, NH, LA, KY, AK, ID, MO, AL, CO, DC, DE, CA, IA, GA, HI, AR, CT, IN, MN, ME, FL, AZ, KS, IL; BM/Supervisor; General Securities Principal; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 633431
NMLS#: 633431
About Me
Gabriel Aguirre is a Financial Advisor, Portfolio Manager and Senior Vice President for 111 Wealth Management. Having recently joined Morgan Stanley, Gabe was previously Senior Vice President with RBC Wealth Management. He focuses on building lasting bonds with clients that go beyond numbers, helping families achieve successful financial outcomes across multiple generations. His ability to connect with clients on the matters most important to them is what sets him apart from other wealth managers. As a result of his unique ability to relate, build bonds, and understand the needs of multiple generations, Gabe has become the trusted confidant in all family governance matters that arise for families of significant wealth. A Chartered Retirement Planning Counselor™, he also focuses on providing customized retirement solutions for individuals and business owners.
Gabe joined RBC Wealth Management in 2011. He was previously a vice president and financial advisor at Merrill Lynch/Bank of America Investments. Gabe began his professional career in 1997 as a premier banker at Bank of America.
Gabe attended California State University, Fullerton with a focus in finance and is fluent in Spanish. He lives at Bighorn Country Club in Palm Desert with his wife, Armida, and his two kids Juan Pablo and Catalina. They are active members at Bighorn, but also enjoy time in the summer at their home in Huntington Beach.
Gabe joined RBC Wealth Management in 2011. He was previously a vice president and financial advisor at Merrill Lynch/Bank of America Investments. Gabe began his professional career in 1997 as a premier banker at Bank of America.
Gabe attended California State University, Fullerton with a focus in finance and is fluent in Spanish. He lives at Bighorn Country Club in Palm Desert with his wife, Armida, and his two kids Juan Pablo and Catalina. They are active members at Bighorn, but also enjoy time in the summer at their home in Huntington Beach.
Securities Agent: UT, HI, AK, ID, IA, VA, TX, TN, NY, KS, CO, AZ, NV, NH, MT, MO, MA, LA, FL, DE, CA, PA, OH, AL, WV, NJ, MS, MN, CT, WA, SD, RI, NM, MI, KY, OR, MD, IN, WI, NC, IL, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 633430
NMLS#: 633430
About Chase Kaminsky
Most successful families don’t need a better financial advisor. They need a Personal CFO—one person who orchestrates their entire financial life.
For a business owner approaching a sale, a liquidity event, or the next chapter, the cost of going without that person is steep. The tax structures that would have saved the most had to be in place before the deal was signed—not after. The estate plan, built around a business they no longer own, doesn’t fit the life that comes next. And the investment strategy designed to grow wealth is completely different from one built to sustain a family for generations. Each piece was handled by a capable professional—none of them working in coordination. The result: a sale that delivers less, a family that receives less, and a financial outcome that falls short of what early coordination would have maximized.
That is where Chase Kaminsky comes in—as your Personal CFO. He takes the entire financial picture—tax, estate, investments, planning, and everything else that touches a family’s wealth—and makes it work as one. Any one of those specialists, working alone, adds value; the same specialists, working as one integrated strategy, multiply it.
The multiplier is only possible because of how Chase begins the wealth management process. He works from a deeply held belief: you deserve more than advice—you deserve someone who truly knows you. So before any recommendation, he takes the time to understand who a family really is: their story, their business, the people they love, and their definition of a better life. The financial picture matters enormously—but only in the context of the life it’s designed to support. Guided by that understanding, a lifetime of work produces everything it was capable of—not only the best possible financial outcome, but the life and legacy it was always meant to make possible.
Chase chose wealth management because it is the mechanism that enables you to maximize your resources in service of the life you truly want to live. It is work in service of others, and he holds the same purpose and intention for his own life. He and Caroline recently welcomed their first child, Calvin, the start of the large family they hope to build, with the freedom for Caroline to be home raising them. In the years ahead, Chase looks forward to showing his children the world, cooking for the people he loves, chasing a better golf game, and Sundays spent cheering on the Chargers—a life full of memories made with family and friends. It is the same life he works to make possible for every family he serves.
For a business owner approaching a sale, a liquidity event, or the next chapter, the cost of going without that person is steep. The tax structures that would have saved the most had to be in place before the deal was signed—not after. The estate plan, built around a business they no longer own, doesn’t fit the life that comes next. And the investment strategy designed to grow wealth is completely different from one built to sustain a family for generations. Each piece was handled by a capable professional—none of them working in coordination. The result: a sale that delivers less, a family that receives less, and a financial outcome that falls short of what early coordination would have maximized.
That is where Chase Kaminsky comes in—as your Personal CFO. He takes the entire financial picture—tax, estate, investments, planning, and everything else that touches a family’s wealth—and makes it work as one. Any one of those specialists, working alone, adds value; the same specialists, working as one integrated strategy, multiply it.
The multiplier is only possible because of how Chase begins the wealth management process. He works from a deeply held belief: you deserve more than advice—you deserve someone who truly knows you. So before any recommendation, he takes the time to understand who a family really is: their story, their business, the people they love, and their definition of a better life. The financial picture matters enormously—but only in the context of the life it’s designed to support. Guided by that understanding, a lifetime of work produces everything it was capable of—not only the best possible financial outcome, but the life and legacy it was always meant to make possible.
Chase chose wealth management because it is the mechanism that enables you to maximize your resources in service of the life you truly want to live. It is work in service of others, and he holds the same purpose and intention for his own life. He and Caroline recently welcomed their first child, Calvin, the start of the large family they hope to build, with the freedom for Caroline to be home raising them. In the years ahead, Chase looks forward to showing his children the world, cooking for the people he loves, chasing a better golf game, and Sundays spent cheering on the Chargers—a life full of memories made with family and friends. It is the same life he works to make possible for every family he serves.
Securities Agent: RI, HI, PA, NC, MO, MN, AZ, WY, MT, MA, LA, KY, ID, GA, OH, NJ, ND, DE, CO, TX, SC, OR, MD, FL, WA, UT, PR, MS, KS, CT, AK, WI, NY, NH, NE, IN, AL, VI, VA, TN, NV, IL, IA, CA, AR, WV, VT, OK, NM, DC, SD, MI, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 2602802
NMLS#: 2602802
About Noel Dodge
Noel A. Dodge, Wealth Management Associate, at Morgan Stanley. Noel has been a member of the team since 2003. She began her finance career in 1994 after graduating from Castleton University, Vermont with degrees in Sociology and Criminal Justice. Noel is responsible for executing the highly refined client services processes of 111 Wealth Management at Morgan Stanley. She has held positions at Merrill Lynch, AG Edwards (now Wells Fargo/Wachovia), and UBS, prior to Citi Family Office Smith Barney (now Morgan Stanley).
Noel enjoys distance running, downhill skiing, reading, and traveling to New England to visit her family. She enjoys taking advantage of the California outdoors with her two sons.
Noel enjoys distance running, downhill skiing, reading, and traveling to New England to visit her family. She enjoys taking advantage of the California outdoors with her two sons.
About Courtney Hershberger
Courtney serves as a Wealth Management Associate. She joined Morgan Stanley in 2023 continuing her lengthy career in financial services.
Her interest in finance began with a summer job at the Chicago Board of Trade as an arbitrage clerk in the soybean pit. She continued working summers at the Board of Trade while attending Northern Illinois University, graduating with a major in Economics and a minor in History. She moved to California in 1997, and started working at Merrill Lynch in Indian Wells.
After 14 years at Merrill Lynch and 12 years at RBC Wealth Management, she is happy to be at Morgan Stanley as part of the 111 Wealth Management Group.
Courtney and her husband, Eric, live in Palm Springs. They have 3 sons (Ty, Mason and Luke) who are all currently in college. They enjoy spending time together as a family and traveling to new places. Courtney is beginning to take golf lessons so she can keep up with her husband and boys.
Her interest in finance began with a summer job at the Chicago Board of Trade as an arbitrage clerk in the soybean pit. She continued working summers at the Board of Trade while attending Northern Illinois University, graduating with a major in Economics and a minor in History. She moved to California in 1997, and started working at Merrill Lynch in Indian Wells.
After 14 years at Merrill Lynch and 12 years at RBC Wealth Management, she is happy to be at Morgan Stanley as part of the 111 Wealth Management Group.
Courtney and her husband, Eric, live in Palm Springs. They have 3 sons (Ty, Mason and Luke) who are all currently in college. They enjoy spending time together as a family and traveling to new places. Courtney is beginning to take golf lessons so she can keep up with her husband and boys.
About Tamara Spates
Tammy serves as a Senior Registered Client Service Associate. She became a member of the 111 Wealth Management Group in 2023. Tammy started in the financial services industry with Merrill Lynch in 1985 as a wire operator/cashier. Over her 35-year career with Merrill Lynch she was employed in a variety of positions in operations, management and client service.
In 2011, she joined Hightower Advisors, and served as a Relationship Manager with them for five years. She joined RBC in 2016 as a Branch Service Manager, assisting the office with operational duties, client service and management reports.
Tammy and her husband, Mike, live in Palm Desert. They have two sons (Ryan and Chance) and two daughter-in-laws (Kasia and Carmen). When she’s not working, Tammy and her husband enjoy spending time with their family (including their three grandchildren), and participating in hobbies such as camping, boating, biking and pickleball.
In 2011, she joined Hightower Advisors, and served as a Relationship Manager with them for five years. She joined RBC in 2016 as a Branch Service Manager, assisting the office with operational duties, client service and management reports.
Tammy and her husband, Mike, live in Palm Desert. They have two sons (Ryan and Chance) and two daughter-in-laws (Kasia and Carmen). When she’s not working, Tammy and her husband enjoy spending time with their family (including their three grandchildren), and participating in hobbies such as camping, boating, biking and pickleball.
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Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2025-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2025-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes Top Women Wealth Advisors Best-In-State
Forbes Top Women Wealth Advisors Best-In- State Source: Forbes.com (Awarded Feb 2026) Data compiled by SHOOK Research LLC for the period 6/30/24 - 6/30/25.
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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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
- Foundations
- Donor Advised Funds
- Impact Investing
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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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 111 Wealth Management 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 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.
3Morgan 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.
4Alternative 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.
5Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
6Morgan 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.
7Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
9Morgan 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.
10Morgan 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.
11Morgan 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.
12Morgan 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
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15When 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.
16Products 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.
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 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.
3Morgan 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.
4Alternative 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.
5Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
6Morgan 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.
7Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
9Morgan 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.
10Morgan 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.
11Morgan 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.
12Morgan 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
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15When 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.
16Products 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.
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
CRC 4665150 (8/2025)
