Managing Director, Wealth Management, Wealth Advisor, Corporate Client Group Director, Family Wealth Director
Phone:
(312) 443-6007(312) 443-6007
233 Wealth Management Group at Morgan Stanley
Christopher Kelly, CFP®, CIMA®Peter LucasMatthew G. FitzpatrickJames F Young, CRPS®Nicholas Klupchak, CFP®Nancy Loewenberg Young, CFP®, CIMA®Odette OlsonNatalie Albers, CFP®Nick Ferraro, CFA®Samantha Usher, CFP®Ryan Williams, CFP®Kate GriffinJake FlemingCameron J. ZuratAlex Choi
Direct:
(312) 443-6007(312) 443-6007
Our Mission Statement
Our team caters to the wealth management needs of a select group of families and institutions across the country.
Making a Meaningful Difference
At 233 Wealth Management Group, we provide the tailored advice, extensive knowledge and global resources needed to make informed, confident decisions. Above all, we commit to making a meaningful difference by bringing together the diverse skills and market insights of a closely-knit team of experienced wealth management professionals.
Tailored Advice Designed to Deliver Results
With generations of combined experience on our team, we have developed the strengths and capabilities to address a broad range of clients, including families, busy executives, corporations and not-for profits:
• Families value our detailed and integrated approach that includes an emphasis on asset protection strategies and goals based planning
• Executives value our work with complex corporate benefit structures
• Corporations and nonprofits value our ability to help them define and align their investment strategies and retirement benefits so they can support and champion their organizations’ mission
A Commitment to Excellence
Named for our address at 233 South Wacker Drive in downtown Chicago, we are proud of the high level of service we have been providing our clients for decades and welcome the opportunity to deliver this same level of excellence to you, your family and/or your organization.
Tailored Advice Designed to Deliver Results
With generations of combined experience on our team, we have developed the strengths and capabilities to address a broad range of clients, including families, busy executives, corporations and not-for profits:
• Families value our detailed and integrated approach that includes an emphasis on asset protection strategies and goals based planning
• Executives value our work with complex corporate benefit structures
• Corporations and nonprofits value our ability to help them define and align their investment strategies and retirement benefits so they can support and champion their organizations’ mission
A Commitment to Excellence
Named for our address at 233 South Wacker Drive in downtown Chicago, we are proud of the high level of service we have been providing our clients for decades and welcome the opportunity to deliver this same level of excellence to you, your family and/or your organization.
Services Include
- Professional Portfolio ManagementFootnote1
- Executive Financial ServicesFootnote2
- Corporate Retirement PlansFootnote3
- Endowments and FoundationsFootnote4
- Stock Plan ServicesFootnote5
- Philanthropic ManagementFootnote6
- Alternative InvestmentsFootnote7
- Financial PlanningFootnote8
- Estate Planning StrategiesFootnote9
- Trust ServicesFootnote10
- Cash Management and Lending ProductsFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
What Sets Us Apart
A Team Approach
We believe you are entitled to the best advice possible. We work in collaboration with your accountant, attorney, and other advisors to gain the precise knowledge needed to effectively manage your wealth, while helping ensure all recommendations are fully aligned.
Ability to Help You Cut Through the Complexity
We combine our problem-solving skills with an impassioned willingness to roll up our sleeves and identify forward-thinking strategies. We believe the more complex your situation, the more valuable we are to you, and the more rewarding your overall experience will be.
Straightforward, Transparent Solutions
We understand that it is important for you to know where you stand and it is our responsibility to keep you informed. We try our best to stay in consistent contact with you and provide ongoing communication. We believe in transparency of process and pricing and utilize an open architecture platform with both proprietary and non-proprietary investments.
Integrity, Trust and Professionalism
We build longstanding relationships, based on integrity, trust and professionalism. We do this by working with a select group of clients who value our depth of knowledge and experience in providing comprehensive solutions that go well beyond investments.
Our Clients
We understand life gets busy and distracts the focus needed to plan for your future. We are here for you each step of the way, so you may enjoy your wealth, leave the legacy you desire and continue doing the things you love along the way.
Portfolio Management
We take a holistic view of your wealth to help meet your investment goals:
○ Asset Allocation: We provide customized asset allocations including private investments that have the potential to outperform on an absolute basis and provide diversification from traditional investments.
○ Active & Passive Implementation: We allocate the right mix of active and passive strategies opportunistically.
○ Portfolio Construction & Risk Management: We build less directional portfolios to help manage risk and potentially lower volatility.
○ Asset Allocation: We provide customized asset allocations including private investments that have the potential to outperform on an absolute basis and provide diversification from traditional investments.
○ Active & Passive Implementation: We allocate the right mix of active and passive strategies opportunistically.
○ Portfolio Construction & Risk Management: We build less directional portfolios to help manage risk and potentially lower volatility.
Executive Financial Services
We help executives navigate through complex benefit structures and specialize in the following areas:
- The sale of restricted, control and concentrated stocks under SEC Rule 144
- Evaluating complex compensation agreements
- Securities-based loans secured by eligible restricted and control stock
- Wealth transfer and gifting strategies
-10b5-1 Plans: A 10b5-1 plan can give affirmative defense against claims of insider trading. Your plan can include a trading schedule that coordinates with your personal need for liquidity and your own timing requirement
- The sale of restricted, control and concentrated stocks under SEC Rule 144
- Evaluating complex compensation agreements
- Securities-based loans secured by eligible restricted and control stock
- Wealth transfer and gifting strategies
-10b5-1 Plans: A 10b5-1 plan can give affirmative defense against claims of insider trading. Your plan can include a trading schedule that coordinates with your personal need for liquidity and your own timing requirement
Financing and Liquidity Strategies
Through your Morgan Stanley Active Assets Account, you can access a full suite of cash management solutions to help you manage your everyday finances.
Cash Management
Through Morgan Stanley, you can access a full suite of solutions to help you manage your everyday finances. Our digital tools are available to help you conveniently manage your daily finances, accessible via Morgan Stanley Online and the Mobile App.
Trust Planning
Our trustee platform is "open architecture," meaning that we provide you with access to an appropriate third-party corporate trustee for your trust account. Trust specialists, within Morgan Stanley, analyze client trust documents and situations and then suggest a fiduciary solution for your needs and goals.
Charitable Giving
Our Philanthropy Management Offering can help you identify effective and strategic giving options, offer insight and support for private foundations, donor-advised funds, and other charitable vehicles, and establish philanthropic giving circles, which extend the impact of your efforts.
Business Succession Planning
Only 58% of family business owners say they have business succession plans, however most are informal. The eventual sale of a business can be an integral part of one's retirement planning. It's important for owners to leave enough time to plan and have an adequate strategy in place.
Morgan Stanley At Work
We bring comprehensive workplace solutions to institutions, nonprofits and endowments locally and around the country. Our end-to-end approach provides a distinctive combination of thoughtful education, insightful advice and leading technology.
We pair our extensive experience with the world-class services of Morgan Stanley to deliver a one-stop-shop for all your workplace needs.
Retirement Plan Consulting
We provide innovative and comprehensive retirement plan solutions that are aligned with your organization's strategic goals and help employees make the most of their retirement.
Our core services surround your investment management, plan management, plan participation, and plan evaluation needs. When you work with us, you have access to the tools, advice and support needed to manage your retirement program from every angle.
Custom Investment Solutions
We focus on addressing the balance sheet needs of various companies and institutions by building custom investment programs that easily adjust to the markets and your particular circumstance.
While working with you, we can provide portfolio performance improvements and solutions around: money market funds, brokerage, and separately managed accounts. We provide tailored advice around investment policy, liquidity management, credit & risk management, and portfolio implementation and management. On an ongoing basis, MS@Work provides thought leadership, client service, and world-class technology and tools.
Equity Compensation Plans
We provide flexible and scalable equity compensation programs that support every stage of your company's growth. Our modern tools enable your employees to manage their equity transactions with the same ease and intuitiveness of the apps they use in their daily lives.
What's more, we deliver specialized advice for executives and company insiders that leverage our deep knowledge to help reduce risk to them and to your company, while ensuring critical compliance requirements are met.
Financial Wellness
Our Financial Wellness program is a customized and comprehensive solution that empowers your employees to take better hold of their financial lives.
In addition to helping employees optimize the company-sponsored benefits you offer, we provide thoughtful insights about your workers, so you can continue to deliver valuable benefits that reduce employee stress and create a more loyal and productive workforce.
Knowledge Center
Our comprehensive suite of digital tools are designed to help enhance virtually every aspect of your financial life. Below are a few of the technologies we have to offer our clients.
Workspace Insights
There's never been a more important time for business leaders to be in the know and be in the now. Our Insights page brings industry professionals and thought leaders together to deliver the fresh perspectives and keen insights needed to help drive your business forward. Take a look at the link below for Morgan Stanley's "At Work" hub of ideas.
View the Home Page
Morgan Stanley Online (MSO)
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Register on Morgan Stanley OnlineMorgan Stanley - Ideas
At Morgan Stanley, we lead with exceptional ideas. Across all our businesses, we offer keen insight on today's most critical issues.
Visit the MS Ideas Home Page
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn more about Total Wealth View
GIC On the Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
View the Latest Report
LifeView
With LifeView, we'll be able to start the process to create a tailored financial plan designed to reach your financial goals, suited to your risk tolerance and preference. We continue the story, while comprehensively monitoring the plan and making adjustments as necessary.
GIC Weekly Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
View the Latest Report
eServices
Use our various eServices to:
o Store and share your important documents safely and securely
o View statements and other documents electronically
o Authorize transactions
o Sign documents electronically
Learn more about our eServiceso Store and share your important documents safely and securely
o View statements and other documents electronically
o Authorize transactions
o Sign documents electronically
Article: "The Retirement Wave is Here: Are You Prepared?"
One of Morgan Stanley's insights, see what a surge in retirement could mean for the workplace, and how you can attract and retain talent in a competitive environment.
Read More
CashPlus
Smart cash management is critical to the success of your wealth management plan. Take a look at the link below to learn more about CashPlus, Morgan Stanley's approach to cash management.
Learn more about CashPlus
Article: "Investment Decisions for Your Participants' 401(k): Don't Go It Alone
One of Morgan Stanley's insights, learn how Morgan Stanley at Work can help plan sponsors meet fiduciary obligations and take a look inside our 401(k) investment decision-making process.
Read MoreLocation
233 S Wacker Dr
87th Floor
Chicago, IL 60606
US
Direct:
(312) 443-6007(312) 443-6007
Fax:
(312) 267-0233(312) 267-0233
Meet 233 Wealth Management Group
Phone:
(312) 443-6026(312) 443-6026
First Vice President, Financial Advisor, Portfolio Management Director, Financial Planning Specialist, Lending Specialist
Phone:
(312) 419-3266(312) 419-3266
Phone:
(312) 827-6523(312) 827-6523
Phone:
(312) 419-3479(312) 419-3479
Phone:
(312) 827-6639(312) 827-6639
Phone:
(847) 291-5588(847) 291-5588
Barbara Streeter
Portfolio Associate
Phone:
(312) 443-6208(312) 443-6208
Natalie Albers, CFP®
Assistant Vice President, Group Director
Phone:
(312) 443-6045(312) 443-6045
Nick Ferraro, CFA®
Assistant Vice President, Consulting Group Analyst
Phone:
(312) 443-6224(312) 443-6224
Samantha Usher, CFP®
Wealth Management Associate
Phone:
(312) 443-6229(312) 443-6229
Ryan Williams, CFP®
Wealth Management Associate
Phone:
(312) 443-6241(312) 443-6241
Kate Griffin
Wealth Management Associate
Phone:
(312) 419-3287(312) 419-3287
Jake Fleming
Wealth Management Associate
Phone:
(312) 443-6074(312) 443-6074
Cameron J. Zurat
Wealth Management Associate
Phone:
(312) 443-6243(312) 443-6243
Alex Choi
Registered Associate
Phone:
(312) 827-6917(312) 827-6917
About Christopher Kelly
As a senior advisor of the 233 Wealth Management Group, Chris is responsible for shaping the team’s strategic vision and working directly with clients. He has dedicated his career to providing tailored financial advice to successful families, corporations and non-profit institutions around the country. He and his partners work with other areas of the firm including Investment Banking, Capital Markets, Private Banking, Corporate Business Services, and Family Office Resources to deliver first class business in a first class way.
Chris joined Morgan Stanley in 2001 as a financial advisor after attending Loyola University Chicago and graduating from Oakland University with a Physics degree. Chris earned the industry credentials of Certified Investment Management Analyst® through the University of Chicago, Certified Financial PlannerTM through DePaul University and the Chartered Retirement Plans Specialist designation through the College for Financial Planning. Within the firm, Chris is a Family Wealth Director, Corporate Client Group Director and Senior Portfolio Management Director and has mentored many new advisors at Morgan Stanley both locally and nationally since 2005. He is also a member of the Portfolio Management Institute, the Association of Professional Investment Consultants, the National Association of Plan Advisors and the National Association of Stock Plan Professionals.
Outside of the office, Chris enjoys playing sports, travelling and spending time with his wife and four teenagers. He is also engaged with several organizations, including Old St. Mary’s School, Saint Ignatius College Prep School, Junior Achievement of Chicago and the Brother Rice Warriors.
Chris joined Morgan Stanley in 2001 as a financial advisor after attending Loyola University Chicago and graduating from Oakland University with a Physics degree. Chris earned the industry credentials of Certified Investment Management Analyst® through the University of Chicago, Certified Financial PlannerTM through DePaul University and the Chartered Retirement Plans Specialist designation through the College for Financial Planning. Within the firm, Chris is a Family Wealth Director, Corporate Client Group Director and Senior Portfolio Management Director and has mentored many new advisors at Morgan Stanley both locally and nationally since 2005. He is also a member of the Portfolio Management Institute, the Association of Professional Investment Consultants, the National Association of Plan Advisors and the National Association of Stock Plan Professionals.
Outside of the office, Chris enjoys playing sports, travelling and spending time with his wife and four teenagers. He is also engaged with several organizations, including Old St. Mary’s School, Saint Ignatius College Prep School, Junior Achievement of Chicago and the Brother Rice Warriors.
Securities Agent: SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, PR, VI, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1297680
CA Insurance License #: 0K55304
NMLS#: 1297680
CA Insurance License #: 0K55304
About Peter Lucas
A seasoned professional with more than 30 years of experience, Peter enjoys working with successful individuals and families, providing personalized advice through a disciplined wealth management approach. His diverse investment background enables him to help clients better understand the intricate details of their portfolio and help them achieve their personal and professional goals.
Born and raised on the south side of Chicago, Peter earned his B.S.B.A. degree from Elmhurst College and his M.B.A. from DePaul University. He began his career as a Foreign Exchange Trader in 1990. Working on the Chicago trading desks of J.P. Morgan, Bank One and the Gelber Group, Peter gained a high level of understanding of the sophisticated capital markets. In 2007, he made an important career decision to join Morgan Stanley and share his years of industry knowledge with individuals and families. Peter’s favorite part of being a Financial Advisor is delivering great service and educating his clients on how to leverage the markets to positively impact their overall investment plans.
Peter’s disciplined process begins with asking the right questions and actively listening. This information then serves as the foundation for the development of a detailed plan that reflects each client’s goals, values and personal circumstances. He takes pride in his ability to put complex investment strategies into action and effectively communicate these strategies using simple and easy-to-understand language.
Current residents of Chesterton, Indiana, Peter and his wife, Theresa, are the proud parents of four grown daughters. They firmly believe in giving back to their community, actively volunteering at their local food pantry and visiting local nursing homes, assisted living facilities and schools with their therapy dog, Otis. In their free time, Peter and Theresa enjoy hiking, biking and spending time in and near the water.
Born and raised on the south side of Chicago, Peter earned his B.S.B.A. degree from Elmhurst College and his M.B.A. from DePaul University. He began his career as a Foreign Exchange Trader in 1990. Working on the Chicago trading desks of J.P. Morgan, Bank One and the Gelber Group, Peter gained a high level of understanding of the sophisticated capital markets. In 2007, he made an important career decision to join Morgan Stanley and share his years of industry knowledge with individuals and families. Peter’s favorite part of being a Financial Advisor is delivering great service and educating his clients on how to leverage the markets to positively impact their overall investment plans.
Peter’s disciplined process begins with asking the right questions and actively listening. This information then serves as the foundation for the development of a detailed plan that reflects each client’s goals, values and personal circumstances. He takes pride in his ability to put complex investment strategies into action and effectively communicate these strategies using simple and easy-to-understand language.
Current residents of Chesterton, Indiana, Peter and his wife, Theresa, are the proud parents of four grown daughters. They firmly believe in giving back to their community, actively volunteering at their local food pantry and visiting local nursing homes, assisted living facilities and schools with their therapy dog, Otis. In their free time, Peter and Theresa enjoy hiking, biking and spending time in and near the water.
Securities Agent: MS, DC, WV, SD, OR, OH, NM, NH, IN, ID, DE, CO, RI, NY, MI, MD, NE, MA, CA, WI, VA, OK, KS, PR, NV, MT, AR, HI, AL, WY, TN, MN, LA, KY, GA, FL, AK, VT, PA, MO, ME, IA, AZ, WA, UT, CT, TX, SC, NJ, NC, IL; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1316567
CA Insurance License #: 0G73970
NMLS#: 1316567
CA Insurance License #: 0G73970
About Matthew G. Fitzpatrick
Matt has spent his entire 15+ year career at Morgan Stanley, which began in 2008 after graduating with a bachelor’s degree in Economics from Purdue University. Prior to moving to Chicago in 2017, Matt was a Vice President at Morgan Stanley’s headquarters in New York City working in the Institutional Equities Division as an account manager to several of the world’s largest hedge funds.
Now, as a First Vice President, Financial Advisor, Portfolio Management Director, Financial Planning Specialist and Lending Specialist with The 233 Wealth Management Group, Matt implements customized wealth strategies for corporate executives, families and individuals utilizing his experience in financial planning, equities, alternative investments and tailored lending. He and his partners work with other areas of the firm including Investment Banking, Capital Markets, Private Banking, and Corporate Business Services to help deliver first class business in a first class way. He is registered as a securities agent in all 50 states and holds both Insurance & Variable Annuity Licenses.
Matt currently resides in Wilmette, IL with his wife, Jeanette, and three sons: Connor, Charlie and Will. Outside of the office, he enjoys traveling with his family, playing sports, and is involved in several charities including his favorite charity iMentor, where he mentored two inner-city high school students while in New York City. He is also a member of Saints JFX Parish and currently coaches his son’s basketball, baseball and football teams.
Now, as a First Vice President, Financial Advisor, Portfolio Management Director, Financial Planning Specialist and Lending Specialist with The 233 Wealth Management Group, Matt implements customized wealth strategies for corporate executives, families and individuals utilizing his experience in financial planning, equities, alternative investments and tailored lending. He and his partners work with other areas of the firm including Investment Banking, Capital Markets, Private Banking, and Corporate Business Services to help deliver first class business in a first class way. He is registered as a securities agent in all 50 states and holds both Insurance & Variable Annuity Licenses.
Matt currently resides in Wilmette, IL with his wife, Jeanette, and three sons: Connor, Charlie and Will. Outside of the office, he enjoys traveling with his family, playing sports, and is involved in several charities including his favorite charity iMentor, where he mentored two inner-city high school students while in New York City. He is also a member of Saints JFX Parish and currently coaches his son’s basketball, baseball and football teams.
Securities Agent: AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, AR, MN, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 1809632
NMLS#: 1809632
About James F Young
With 39 years of industry experience, Jim works closely with high net worth families and individuals to help them achieve their goals, whether that's funding education costs, buying a new home, building a retirement nest egg or preserving net worth from a lifetime of work. Jim draws on his expansive financial markets background from the institutional side of the business to construct his clients' portfolios, placing a particular focus on fixed income as an integral part of their asset allocation strategies. By leveraging Morgan Stanley's resources, he is able to design solutions and position client portfolios around specific risk and income requirements.
Jim joined Morgan Stanley as a Financial Advisor in 2008. Previously, Jim was a Managing Director with Bear, Stearns and Co. in the Institutional Fixed Income Department for 14 years and worked with Goldman Sachs 11 years before that as a Senior Institutional Fixed Income Sales Specialist. In 1981, Jim earned his B.S.B.A. degree in Finance from the University of Arkansas and his MBA in 1983 from Washington University in St. Louis. Jim also holds his Chartered Retirement Plan Specialist® designation.
A father of 3 grown children and a grandfather of 2 grandchildren, Jim currently resides in River Forest, IL with his wife. Outside of the office, Jim enjoys golfing, fishing and camping with his family.
Jim joined Morgan Stanley as a Financial Advisor in 2008. Previously, Jim was a Managing Director with Bear, Stearns and Co. in the Institutional Fixed Income Department for 14 years and worked with Goldman Sachs 11 years before that as a Senior Institutional Fixed Income Sales Specialist. In 1981, Jim earned his B.S.B.A. degree in Finance from the University of Arkansas and his MBA in 1983 from Washington University in St. Louis. Jim also holds his Chartered Retirement Plan Specialist® designation.
A father of 3 grown children and a grandfather of 2 grandchildren, Jim currently resides in River Forest, IL with his wife. Outside of the office, Jim enjoys golfing, fishing and camping with his family.
Securities Agent: MD, AK, AL, CT, DC, DE, GA, HI, IA, IL, TX, MO, WY, WI, UT, TN, OH, NY, MI, KS, IN, FL, CO, CA, AZ, AR, ID, KY, MS, MT, LA, NC, ND, NE, NH, NJ, NM, NV, OK, OR, PA, RI, SC, SD, VA, VT, WA, WV, ME, MN, MA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1285329
NMLS#: 1285329
About Nicholas Klupchak
Nick Klupchak is a Financial Advisor for The 233 Wealth Management Group. While adhering to the team's Wealth Management process and with the support of Morgan Stanley's intellectual capital and vast pool of resources, Nick works diligently to implement and monitor his clients' financial plans, empowering them with confidence that they are on track to achieve their goals. Planning is not a one-size fits all approach. Starting his process first with an in-depth discovery, Nick is able to determine his client's financial needs and goals and tailor a financial plan specific to them.
Bringing his experiences to Morgan Stanley in July of 2019, Nick worked in the Insurance industry previously in a Sales Management capacity. He attended the University of Iowa and graduated with a double major: BBA Finance and Economics. Nick holds his Certified Financial Planner™ (CFP®) designation, is Series 7 and 66 licensed, and also holds his Life Insurance and Variable Annuity licenses.
Nick was born and raised in the city of Chicago. Outside of work, he has strong interests in traveling, skiing, participating in intramural sports leagues, and spending time with family and friends.
Bringing his experiences to Morgan Stanley in July of 2019, Nick worked in the Insurance industry previously in a Sales Management capacity. He attended the University of Iowa and graduated with a double major: BBA Finance and Economics. Nick holds his Certified Financial Planner™ (CFP®) designation, is Series 7 and 66 licensed, and also holds his Life Insurance and Variable Annuity licenses.
Nick was born and raised in the city of Chicago. Outside of work, he has strong interests in traveling, skiing, participating in intramural sports leagues, and spending time with family and friends.
Securities Agent: HI, IL, WA, VT, OK, ND, MI, LA, ID, FL, CT, VA, UT, TX, MS, KS, SC, NV, NH, NC, ME, DE, AR, AK, PR, WV, NM, MN, IN, DC, CO, AL, WI, RI, PA, NY, NE, AZ, TN, MT, IA, OR, OH, KY, GA, WY, NJ, MA, MO, CA, SD, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 2266618
NMLS#: 2266618
About Nancy Loewenberg Young
Nancy is a First Vice President and Financial Advisor who has worked with clients for more than two generations. Her primary focus is always on the clients, their families and their goals. Economic cycles come and go and markets can seem confounding. But True North is grounded in the trust that a client places in her. With that as the foundation, all the resources and intellectual power of Morgan Stanley is available to build and refine a plan over time that leads to achieving the goals each family sets. And there is no greater satisfaction than living through such experiences.
Nancy began at Morgan Stanley and its predecessor in 1983, having worked previously at two storied Wall Street firms: Blyth, Eastman Dillon and LF Rothschild, Unterberg Towbin where she learned the municipal bond market and witnessed the early days of Silicon Valley and the IPO of Genentech. Nancy's undergraduate degree is in German and French Languages and Literatures earned at the College of Mount St Vincent in New York. Her graduate studies were in theology, an M.A.at Marquette University, Milwaukee, and in early childhood education, an M.A. at the Institute for Psychoanalysis in Chicago. She received her CFP certification from the College for Financial Planning and her CIMA designation from the Wharton School of Business at the University of Pennsylvania.
Nancy lives in Chicago with her husband, Webster Young. They have one son, Owen. Nancy's love of architecture is expressed in her 24 years as a River Tour docent with the Chicago Architecture Center. She works to celebrate achievements of young people, with her service to the Leader Council of Mercy Home for Boys and Girls. For 23 years she has marked their 100% graduation rate at Mercy Home. And in her free time, you'll find Nancy at live events: relishing Chicago's world class theater and symphony. Her favorite times to drop in at the Art Institute and the MCA are late afternoons. And most mornings an early start at the gym. Nancy reads fiction and supports independent bookstores. She's a coop member of the Seminary Coop Bookstores at the University of Chicago and is often seen at Mad Street Books.
Nancy began at Morgan Stanley and its predecessor in 1983, having worked previously at two storied Wall Street firms: Blyth, Eastman Dillon and LF Rothschild, Unterberg Towbin where she learned the municipal bond market and witnessed the early days of Silicon Valley and the IPO of Genentech. Nancy's undergraduate degree is in German and French Languages and Literatures earned at the College of Mount St Vincent in New York. Her graduate studies were in theology, an M.A.at Marquette University, Milwaukee, and in early childhood education, an M.A. at the Institute for Psychoanalysis in Chicago. She received her CFP certification from the College for Financial Planning and her CIMA designation from the Wharton School of Business at the University of Pennsylvania.
Nancy lives in Chicago with her husband, Webster Young. They have one son, Owen. Nancy's love of architecture is expressed in her 24 years as a River Tour docent with the Chicago Architecture Center. She works to celebrate achievements of young people, with her service to the Leader Council of Mercy Home for Boys and Girls. For 23 years she has marked their 100% graduation rate at Mercy Home. And in her free time, you'll find Nancy at live events: relishing Chicago's world class theater and symphony. Her favorite times to drop in at the Art Institute and the MCA are late afternoons. And most mornings an early start at the gym. Nancy reads fiction and supports independent bookstores. She's a coop member of the Seminary Coop Bookstores at the University of Chicago and is often seen at Mad Street Books.
Securities Agent: TX, OR, OH, IL, FL, CA, AR, IN, AZ, NY, NC, AL, CO, NM, HI, GA, PA, NJ, DE, WV, WI, MO; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1255605
NMLS#: 1255605
About Odette Olson
Odette has been a Financial Advisor at Morgan Stanley for six years. Odette helps to educate and guide families, professionals, affluent individuals, and business owners as they strive to achieve their financial goals. Whether it is to accumulate wealth, reduce taxes, develop an education fund, or plan for retirement, she uses her financial planning skills to best suit our clients. What sets her apart is her ability to build customized and personalized investment plans for our clients. She has a well-defined Wealth Management Process with the vision to build lasting relationships that will extend through multi-generational families. Odette has spent over twenty years in the corporate finance world working for companies like Price Waterhouse Coopers, Baxter Healthcare and Allstate. Prior to joining Morgan Stanley, Odette worked as a Registered Investment Advisor (RIA).
Odette takes great pride in to serving the needs of others. She listens to her clients’ personal stories and helps them tackle the issues that stand in the way of achieving financial success. Her mission is to empower clients to be confident in their financial decisions, so they have the financial freedom to pursue their hopes and dreams.
Odette is a strong believer in giving back. She is active with Kesem, an organization that helps children through and beyond a parent’s cancer. Odette is also an Officer and Board Member of the Spertus Institute for Jewish Learning and Leadership, an active member of Temple Beth-El and the Jewish National Fund of Chicago. Odette graduated from the University of Illinois with a BS in Accountancy. She also obtained her CPA certification (currently non-practicing). Odette is registered as a General Securities Registered Representative (Series 7), a Uniform Securities Agent (Series 63), Uniform Investment Law Adviser (Series 65).
In her leisure time, Odette enjoys cooking in their hometown of Northbrook, IL as well as traveling with her husband, Mark and their four children.
Odette takes great pride in to serving the needs of others. She listens to her clients’ personal stories and helps them tackle the issues that stand in the way of achieving financial success. Her mission is to empower clients to be confident in their financial decisions, so they have the financial freedom to pursue their hopes and dreams.
Odette is a strong believer in giving back. She is active with Kesem, an organization that helps children through and beyond a parent’s cancer. Odette is also an Officer and Board Member of the Spertus Institute for Jewish Learning and Leadership, an active member of Temple Beth-El and the Jewish National Fund of Chicago. Odette graduated from the University of Illinois with a BS in Accountancy. She also obtained her CPA certification (currently non-practicing). Odette is registered as a General Securities Registered Representative (Series 7), a Uniform Securities Agent (Series 63), Uniform Investment Law Adviser (Series 65).
In her leisure time, Odette enjoys cooking in their hometown of Northbrook, IL as well as traveling with her husband, Mark and their four children.
Securities Agent: AK, MD, PR, NC, KS, ID, IA, RI, OR, MA, HI, CT, AR, AL, IN, NH, IL, FL, AZ, WY, VA, SD, NV, NM, ME, KY, OH, MT, OK, WV, PA, MO, WA, SC, NY, NJ, GA, DC, CA, WI, UT, TX, MI, LA, DE, CO, TN, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 1933028
NMLS#: 1933028
About Barbara Streeter
Throughout her more than 25 years of experience, Barb has served in many roles, including Operations Manager and Assistant Branch Manager. Barb joined Morgan Stanley in 2004 and holds the FINRA licenses 7, 9, 10, and 63.
As a Portfolio Associate, Barb maintains client relationships while managing administrative duties, operational support, as well as oversee special projects. Her years of experience give her heightened knowledge in complex situations such as trusts, estates, international accounts, and Alternative Investments.
She attended Drew University where she graduated with a BA in Art History. Barb lives in the South Suburbs of Chicago with her husband and 2 children.
As a Portfolio Associate, Barb maintains client relationships while managing administrative duties, operational support, as well as oversee special projects. Her years of experience give her heightened knowledge in complex situations such as trusts, estates, international accounts, and Alternative Investments.
She attended Drew University where she graduated with a BA in Art History. Barb lives in the South Suburbs of Chicago with her husband and 2 children.
About Natalie Albers
As Group Director at The 233 Wealth Management Group at Morgan Stanley, Natalie helps to shape the vision of client service and business management. She oversees daily business operations and defines clear roles and responsibilities for each member of the team while delivering exceptional service to clients.
Growing up in Tinley Park, Natalie was always interested in a career in management. She attended Valparaiso University, where she earned her B.S. degree in Business Administration, and upon graduation joined Morgan Stanley in 2017. She has a certificate in financial planning from Northwestern University and holds her Series 7 and 66 FINRA licenses, as well as her Illinois Life and Health Insurance licenses.
Today, Natalie lives in the Streeterville neighborhood of Chicago. Outside of the office, she enjoys traveling, reading and exploring the Windy City.
The CFP® certification process, administered by CFP Board, identifies to the public that those individuals who have been authorized to use the CFP® certification marks in the U.S. have met rigorous professional standards and have agreed to adhere to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence when dealing with clients.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Disclaimer: This role cannot solicit or provide investment advice
Growing up in Tinley Park, Natalie was always interested in a career in management. She attended Valparaiso University, where she earned her B.S. degree in Business Administration, and upon graduation joined Morgan Stanley in 2017. She has a certificate in financial planning from Northwestern University and holds her Series 7 and 66 FINRA licenses, as well as her Illinois Life and Health Insurance licenses.
Today, Natalie lives in the Streeterville neighborhood of Chicago. Outside of the office, she enjoys traveling, reading and exploring the Windy City.
The CFP® certification process, administered by CFP Board, identifies to the public that those individuals who have been authorized to use the CFP® certification marks in the U.S. have met rigorous professional standards and have agreed to adhere to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence when dealing with clients.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Disclaimer: This role cannot solicit or provide investment advice
About Nick Ferraro
As an Assistant Vice President and Consulting Group Analyst at the 233 Wealth Management Group at Morgan Stanley, Nick is responsible for investment research, asset allocation, and trading activities within the team’s accounts. He enjoys analyzing the many investment options available in today’s dynamic marketplace and contributing valuable insights to help clients make appropriate portfolio decisions.
He graduated from the University of Chicago with a BA in Economics and a minor in Astronomy & Astrophysics. Outside of class, Nick played football and wrestled. He holds the FINRA Series 7 and 66 licenses, and in August 2022, he earned the Chartered Financial Analyst® (CFA®) designation.
He began his career as an intern at UBS during the summer of his sophomore year in 2016. He then interned with The 233 Wealth Management Group in the summer of 2017, continued working part-time through the rest of his studies, and joining the team full-time after graduation in March 2019. Since then, he has progressed into the Consulting Group Analyst role for the team.
Outside of his professional life, Nick spends his time training wrestling and Brazilian jiu jitsu. He enjoys hiking, camping, and fishing, and is an avid reader of financial, political, and historical literature.
Nick is the oldest of six siblings, with two brothers and three sisters, and is originally from the Boston area. He now resides in Fort Lauderdale, Florida with his wife, Kylie.
He graduated from the University of Chicago with a BA in Economics and a minor in Astronomy & Astrophysics. Outside of class, Nick played football and wrestled. He holds the FINRA Series 7 and 66 licenses, and in August 2022, he earned the Chartered Financial Analyst® (CFA®) designation.
He began his career as an intern at UBS during the summer of his sophomore year in 2016. He then interned with The 233 Wealth Management Group in the summer of 2017, continued working part-time through the rest of his studies, and joining the team full-time after graduation in March 2019. Since then, he has progressed into the Consulting Group Analyst role for the team.
Outside of his professional life, Nick spends his time training wrestling and Brazilian jiu jitsu. He enjoys hiking, camping, and fishing, and is an avid reader of financial, political, and historical literature.
Nick is the oldest of six siblings, with two brothers and three sisters, and is originally from the Boston area. He now resides in Fort Lauderdale, Florida with his wife, Kylie.
About Samantha Usher
Samantha Usher is a Wealth Management Associate with The 233 Wealth Management Group. With energy and optimism, Samantha leads our Morgan Stanley at Work relationships inclusive of institutional, stock plan and family office clients. Her primary responsibilities include managing our Financial Wellness initiatives, Morgan Stanley at Work & family office relationships and running educational, service and relationship management campaigns.
Born and raised in Hinsdale, Illinois Samantha graduated from Miami University in Oxford, Ohio where she majored in Finance and minored in French. A college course that included a visit to ten Wall Street firms sparked her interest in financial services. Samantha joined Morgan Stanley full-time in February 2020 after graduating from Miami University. She currently holds her Series 7 and 66 licenses, her Chartered Retirement Plans SpecialistSM designation and her CERTIFIED FINANCIAL PLANNER™ designation.
Outside of the office, Samantha is an avid tennis player and loves to ski. She also enjoys traveling. During her college years, she studied for one year abroad in Barcelona and completed a semester in Paris to complete her minor in French.
The CFP® certification process, administered by CFP Board, identifies to the public that those individuals who have been authorized to use the CFP® certification marks in the U.S. have met rigorous professional standards and have agreed to adhere to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence when dealing with clients.
Sponsored by The College for Financial Planning, the Chartered Retirement Plans Specialist (CRPS) designation is specifically targeted at professionals who design, install, and maintain retirement plans for the business community.
Disclaimer: This role cannot solicit or provide investment advice
Born and raised in Hinsdale, Illinois Samantha graduated from Miami University in Oxford, Ohio where she majored in Finance and minored in French. A college course that included a visit to ten Wall Street firms sparked her interest in financial services. Samantha joined Morgan Stanley full-time in February 2020 after graduating from Miami University. She currently holds her Series 7 and 66 licenses, her Chartered Retirement Plans SpecialistSM designation and her CERTIFIED FINANCIAL PLANNER™ designation.
Outside of the office, Samantha is an avid tennis player and loves to ski. She also enjoys traveling. During her college years, she studied for one year abroad in Barcelona and completed a semester in Paris to complete her minor in French.
The CFP® certification process, administered by CFP Board, identifies to the public that those individuals who have been authorized to use the CFP® certification marks in the U.S. have met rigorous professional standards and have agreed to adhere to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence when dealing with clients.
Sponsored by The College for Financial Planning, the Chartered Retirement Plans Specialist (CRPS) designation is specifically targeted at professionals who design, install, and maintain retirement plans for the business community.
Disclaimer: This role cannot solicit or provide investment advice
About Ryan Williams
Ryan is a Wealth Management Associate with The 233 Wealth Management Group. For the team, Ryan is responsible for providing exceptional client service through various forms of operational and administrative support, including providing pertinent information for financial advisors, processing client requests, and resolving client inquiries.
Coming from a large family, Ryan is 5th among 6 children. Born and raised in Lombard, IL, Ryan attended the University of Illinois at Urbana-Champaign where he graduated with a degree in Finance. With a passion for personal finance, delivering top notch service and developing fulfilling and genuine relationships, Ryan strives to bring a positive attitude and relentless work ethic to help clients reach their goals.
Outside of work, Ryan loves to spend time with his family. Additionally, Ryan has a deep passion for Chicago sports, snowboarding, film scores and Mixology.
Coming from a large family, Ryan is 5th among 6 children. Born and raised in Lombard, IL, Ryan attended the University of Illinois at Urbana-Champaign where he graduated with a degree in Finance. With a passion for personal finance, delivering top notch service and developing fulfilling and genuine relationships, Ryan strives to bring a positive attitude and relentless work ethic to help clients reach their goals.
Outside of work, Ryan loves to spend time with his family. Additionally, Ryan has a deep passion for Chicago sports, snowboarding, film scores and Mixology.
About Kate Griffin
Kate joined the 233 Wealth Management Group at Morgan Stanley in 2023 and is currently a Wealth Management Associate. For the team, Kate helps to lead our Morgan Stanley at Work relationships including our institutional clients as well as our financial wellness and education initiatives. With excitement around the industry, she is passionate about building relationships with clients and helping them achieve their financial and personal goals.
Kate was born and raised in Dublin, OH and graduated from Indiana University with a double major in Finance and Entrepreneurship & Corporate Innovation. Kate holds her Series 7 and Series 66 licenses.
Outside of the office, Kate enjoys spending time with friends and family, staying active, traveling, and exploring all that the city of Chicago has to offer.
Kate was born and raised in Dublin, OH and graduated from Indiana University with a double major in Finance and Entrepreneurship & Corporate Innovation. Kate holds her Series 7 and Series 66 licenses.
Outside of the office, Kate enjoys spending time with friends and family, staying active, traveling, and exploring all that the city of Chicago has to offer.
About Jake Fleming
Jake Fleming is a Wealth Management Associate with the 233 Wealth Management Group at Morgan Stanley. With a commitment to high-quality service, Jake's role has evolved into that of a client outreach and onboarding specialist. He leads many of the team’s campaigns and partnerships, both internally and externally, and has taken charge of the reinvestment campaign focused on equity compensation and retirement planning.
Prior to joining Morgan Stanley, Jake studied Economics at the University of Wisconsin, where he developed strong interests in global events and financial markets. Starting his journey in finance at a young age, he brings a fresh perspective to the team and is deeply passionate about helping others with their personal finance needs.
Outside the office, Jake enjoys spending time in nature, with interests in traveling, hiking, fishing, and skiing/snowboarding. He is also an avid baseball fan and classic rock music enthusiast. Originally from Whitefish Bay, WI, Jake is close with his older sister and has a dog named Bear.
Prior to joining Morgan Stanley, Jake studied Economics at the University of Wisconsin, where he developed strong interests in global events and financial markets. Starting his journey in finance at a young age, he brings a fresh perspective to the team and is deeply passionate about helping others with their personal finance needs.
Outside the office, Jake enjoys spending time in nature, with interests in traveling, hiking, fishing, and skiing/snowboarding. He is also an avid baseball fan and classic rock music enthusiast. Originally from Whitefish Bay, WI, Jake is close with his older sister and has a dog named Bear.
About Cameron J. Zurat
Cameron Zurat is a Wealth Management Associate with the 233 Wealth Management Group at Morgan Stanley. For the team, Cam is responsible for various forms of administrative and operational support, including servicing client requests as well as supporting the financial advisors on the team. He strives to provide clients and advisors high quality customer and operational support and is passionate about helping clients reach their financial goals.
Prior to joining Morgan Stanley in 2023, Cam graduated from University of Dayton with a major in Finance. In particular, Cam had strong interests in Portfolio Management and Global Events. Originally from Buffalo, NY, Cam is a middle child of 3. He enjoys spending time outdoors, watching his favorite sports teams, and exploring all Chicago has to offer.
Prior to joining Morgan Stanley in 2023, Cam graduated from University of Dayton with a major in Finance. In particular, Cam had strong interests in Portfolio Management and Global Events. Originally from Buffalo, NY, Cam is a middle child of 3. He enjoys spending time outdoors, watching his favorite sports teams, and exploring all Chicago has to offer.
About Alex Choi
Alex Choi is a Client Service Associate with the 233 Wealth Management Group at Morgan Stanley. Alex graduated from Ohio State University where he studied Finance. Before joining the team, he interned with several teams at Morgan Stanley to supplement his education. Alex joined the 233 Wealth Management Group in January of 2024. For the team, he creates financial plans for clients and provides them service and direction towards their financial goals. Additionally, he helps the financial advisors with all other administrative and operational tasks.
Alex grew up in the suburbs of Chicago and now resides in Wrigleyville. Outside of the office, Alex is interested in all things sports. He is a supporter of all Chicago sports teams as well as his Ohio State Buckeyes. In addition, Alex enjoys exploring new restaurants in Chicago and weekly trivia with friends. He is passionate about giving back to the community and is excited to get involved in local volunteer and charity work.
Alex grew up in the suburbs of Chicago and now resides in Wrigleyville. Outside of the office, Alex is interested in all things sports. He is a supporter of all Chicago sports teams as well as his Ohio State Buckeyes. In addition, Alex enjoys exploring new restaurants in Chicago and weekly trivia with friends. He is passionate about giving back to the community and is excited to get involved in local volunteer and charity work.
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Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan 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.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley 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.
5Morgan 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.
6Products 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.
7Alternative 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.
8Morgan 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.
9Morgan 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.
10Morgan 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.
11Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan 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.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley 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.
5Morgan 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.
6Products 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.
7Alternative 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.
8Morgan 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.
9Morgan 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.
10Morgan 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.
11Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
