Kim Corcoran
Senior Client Service Associate
Phone:
(610) 430-1083(610) 430-1083
Aaron McIntyre
Vice President,
Financial Advisor,
Portfolio Management Director,
Financial Planning Specialist
Direct:
(610) 430-1940(610) 430-1940
Toll-Free:
(800) 345-3050(800) 345-3050
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your financial goals
Practice and Services
Morgan Stanley serves many of the world’s most sophisticated investors, and our firm is one of the nation’s leading firms to help clients with their personal wealth. With over 30 years of experience as a Financial Advisor at Morgan Stanley, Aaron brings to his clients an extended professional experience in working with the unique challenges, styles and strategies that distinguish wealthy investors and institutions. With the assistance of a client service team and other seasoned investment and planning professionals, he works with clients to help preserve and grow their wealth utilizing a premier trading and execution platform and a full spectrum of investment choices.
Aaron’s approach to his clients’ financial circumstances is to be the primary coordinator to implement solutions for their most important wealth planning and life-event needs, such as retirement and estate planning . Personalized planning and plan implementation, encompassing services such as individual portfolio management and trust services, is a cornerstone of his practice. His goals are both to simplify your life, and significantly increase the probability of your financial success.
Aaron holds the Series 7 General Securities Representative license, the Series 65 Uniform Investment Adviser license, the Series 63 Uniform Securities license, and holds a Life, Accident and Heath Insurance license.
Aaron’s approach to his clients’ financial circumstances is to be the primary coordinator to implement solutions for their most important wealth planning and life-event needs, such as retirement and estate planning . Personalized planning and plan implementation, encompassing services such as individual portfolio management and trust services, is a cornerstone of his practice. His goals are both to simplify your life, and significantly increase the probability of your financial success.
Aaron holds the Series 7 General Securities Representative license, the Series 65 Uniform Investment Adviser license, the Series 63 Uniform Securities license, and holds a Life, Accident and Heath Insurance license.
Securities Agent: VA, NJ, WA, TN, PA, NY, NC, MD, FL, DE, CA, AZ, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 2692107
NMLS#: 2692107
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Approach
To create a comprehensive, goals-based wealth management plan for each client, we follow a rigorous yet flexible six-step process.
Step 1: Introductory Meeting
We start by engaging in a preliminary discussion to gain insights into your interest, your priorities, and your future goals.
Step 2: Discovery Meeting
While every client situation is different, we start by learning about you, your family and your financial complexities. This step allows us to formulate specific strategies, and to customize the entire relationship.
Step 3: Financial Plan Presentation
By providing a tailored and comprehensive financial plan that addresses tax, legal, and risk considerations, opportunities to improve your financial affairs are identified. This allows you to focus on living your best life and preserving your legacy for generations to come.
Step 4: Implementation of a Customized Wealth Strategy
Our global investment platform provides strategies, based on rigorous analysis and due diligence, to construct your portfolio. This process aims to create the most efficient balance of risk and return for your specific investment strategy.
Step 5: Ongoing Monitoring
Recognizing that circumstances may change, consistent communication is key to ensuring financial plans remain relevant. Proactive contact will be made to discuss adjustments and address any personal changes. This step-by-step process is built around providing the best possible experience, emphasizing teamwork and personalized care to guide you toward a brighter financial future.
Our Suite of Services
As your wealth increases, so do the complexities and resources required for effective management. We utilize our expertise and connections to provide innovative strategies tailored to your specific needs. We are eager to discuss your challenges with you, allowing us to develop a strategy that aligns with your unique priorities and objectives.
Professional Portfolio Management
Managing an investment portfolio involves a consultative and disciplined approach that aligns your investment preferences with a thorough analysis of the financial markets. By collaborating, we develop a tailored strategy that incorporates established investment principles to help your assets grow, generate cash flow, or produce income according to your needs.
Retirement Planning
A core strength is guiding you towards a secure and prosperous retirement. The intricacies of your complete retirement plan assets, including IRAs and RMDs, are handled, allowing you to transition into retirement with ease and confidence.
Wealth Management
Wealth Management brings all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career and your legacy goals to develop a comprehensive strategy that is uniquely yours.
Cash Management Services
Strategic implementation of a financial plan entails proactively managing your cash flow and ensuring you maintain sufficient liquidity. The process supports your personal cash management and borrowing needs, with a careful assessment of long-term implications for costs and taxes.
Honors and Recognition
• 2019 FIVE STAR Professional Wealth Manager-Philadelphia Magazine
• Leading Financial Advisor Recognition - Smith Barney
• Thirty Years Loyal Service Award - Morgan Stanley Smith Barney
2019 Five Star Wealth Manager Award
Source: fivestarprofessional.com (2019) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
• Leading Financial Advisor Recognition - Smith Barney
• Thirty Years Loyal Service Award - Morgan Stanley Smith Barney
2019 Five Star Wealth Manager Award
Source: fivestarprofessional.com (2019) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Helpful Resources For Our Valued Clients
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential, manage unrealized gains and help keep more of what you earn.
529 Education Savings Plans
529 plans offer a flexible, tax-advantaged way to invest for education expenses while helping to improve estate planning. Gain fiduciary oversight of your education funding strategy within the context of your broader portfolio through the exclusive Morgan Stanley National Advisory 529 Plan.
Preferred Savings Program
Once you open a Morgan Stanley Brokerage Account, you can make the most of your idle cash with our competitive Preferred Savings Program.
Morgan Stanley CashPlus Brokerage Account
Designed as a modern alternative to banking with the capabilities to help you access, move, and manage cash when you need it while enjoying exclusive benefits.
Preferred Certificates of Deposit (CDs)
Once you open a Morgan Stanley Brokerage Account, you can potentially grow your wealth with our competitive fixed rate Preferred Certificates of Deposit (CDs) offerings.
Cash Management and Lending Solutions
At Morgan Stanley, we offer unique cash management and lending solutions to complement your investments and help simplify your finances.
Private Markets
Many of today's companies stay private longer, with more of their valuation being created before they become publicly traded. Morgan Stanley Private Markets connects a broad network of potential private investors in an accessible ecosystem, allowing eligible clients to buy and sell securities of private companies.
Why Your Home Can Be a Retirement Asset
If you're willing to consider drawing on your home's equity—either by selling your home or borrowing against its value—it can dramatically change your retirement outlook.
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income. From simplified vehicles available more broadly to institutional strategies, the platform supports a goals-based approach for asset allocation tailored to investor needs.
Beyond Basic Borrowing
Most people borrow during the course of their lives. But it's important to be as strategic about borrowing as you are with the other areas of your financial life.
Location
3803 West Chester Pike
Ste 200
Newtown Square, PA 19073
US
Direct:
(610) 430-1940(610) 430-1940
Toll-Free:
(800) 345-3050(800) 345-3050
Fax:
(610) 408-1908(610) 408-1908
Meet My Team
Aaron J. McIntyre
Vice President, Financial Advisor, Portfolio Management Director, Financial Planning Specialist
Phone:
(610) 430-1940(610) 430-1940
Adrian Schwartz
Financial Planning Director, Vice President
Phone:
(732) 936-3312(732) 936-3312
About Kim Corcoran
Kim Corcoran serves as a Senior Client Service Associate with Aaron McIntyre’s team at Morgan Stanley. She brings more than 30 years of experience in the financial services industry, beginning her career at Legg Mason in Baltimore before relocating to the Philadelphia area. Upon moving north, Kim joined the Newtown Square office of Morgan Stanley, where she has been an integral part of the team ever since.
Throughout her career she has provided exceptional service and operational support to clients. Her extensive knowledge of brokerage operations and her experience as a Service Assistant enable her to manage both administrative and client service functions with precision and care. Known for her professionalism, dedication, and deep industry experience, Kim is often the first call for clients seeking timely and thoughtful assistance.
Outside of the office, Kim enjoys traveling, playing pickle ball, gardening, and spending time with her grandchildren. She resides in Wayne, Pennsylvania, with her husband, Chris.
Throughout her career she has provided exceptional service and operational support to clients. Her extensive knowledge of brokerage operations and her experience as a Service Assistant enable her to manage both administrative and client service functions with precision and care. Known for her professionalism, dedication, and deep industry experience, Kim is often the first call for clients seeking timely and thoughtful assistance.
Outside of the office, Kim enjoys traveling, playing pickle ball, gardening, and spending time with her grandchildren. She resides in Wayne, Pennsylvania, with her husband, Chris.
About Aaron J. McIntyre
As Portfolio Management Director at Morgan Stanley Aaron is part of a select group of Financial Advisors qualified to manage client assets independently within Morgan Stanley’s Portfolio Management Program. Further, as a designated Investment Management Consultant at Morgan Stanley, he advises institutional clients in the selection of appropriate portfolio management. Aaron believes the stability of his long standing practice at Morgan Stanley has benefited his clients. A graduate of Drexel University, Aaron has 32 years of experience at Morgan Stanley working directly with clients, and their assets, through various investment environments and planning circumstances. With an interest in incorporating environmental and social governance into portfolios he considers himself a passionate student of the capital markets, portfolio management, and financial planning.
Aaron is active in his community: serving as an elected Pennsylvania Township Supervisor, presently as Chairman; serving on the board of his local Land Trust; and serving as President of his HOA. He and his wife, Diane, are proud parents of their son Ethan who attended Saint Joseph's University as a Finance major and scholarship athlete, and is presently working toward his MBA in Applied Investment Analysis and Financial Management at the University's Haub School of Business . In his spare time Aaron enjoys running and fitness, spending time with his family, and volunteering his time toward improving the life of animals.
Aaron holds the Series 7 General Securities Representative license, the Series 65 Uniform Investment Adviser license, the Series 63 Uniform Securities license, and holds a Life, Accident and Heath Insurance license.
Aaron is active in his community: serving as an elected Pennsylvania Township Supervisor, presently as Chairman; serving on the board of his local Land Trust; and serving as President of his HOA. He and his wife, Diane, are proud parents of their son Ethan who attended Saint Joseph's University as a Finance major and scholarship athlete, and is presently working toward his MBA in Applied Investment Analysis and Financial Management at the University's Haub School of Business . In his spare time Aaron enjoys running and fitness, spending time with his family, and volunteering his time toward improving the life of animals.
Aaron holds the Series 7 General Securities Representative license, the Series 65 Uniform Investment Adviser license, the Series 63 Uniform Securities license, and holds a Life, Accident and Heath Insurance license.
Securities Agent: VA, NJ, WA, TN, PA, NY, NC, MD, FL, DE, CA, AZ, MO; General Securities Representative; Investment Advisor Representative
About Adrian Schwartz
Adrian Schwartz is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices the Greater Philadelphia and Coastal New Jersey markets. He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Adrian began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to his current position, Adrian worked at TD Ameritrade in New York where he worked with some of the firm’s wealthiest clients in the region and managed two branches.
Adrian graduated from Rutgers Business School with an MBA and holds his CERTIFIED FINANCIAL PLANNER designation. Adrian lives in Manalapan, NJ with his wife and two young children. Outside of work, Adrian spends most of his time with his family. When the opportunity presents itself, he also enjoys playing guitar and golfing.
Adrian began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to his current position, Adrian worked at TD Ameritrade in New York where he worked with some of the firm’s wealthiest clients in the region and managed two branches.
Adrian graduated from Rutgers Business School with an MBA and holds his CERTIFIED FINANCIAL PLANNER designation. Adrian lives in Manalapan, NJ with his wife and two young children. Outside of work, Adrian spends most of his time with his family. When the opportunity presents itself, he also enjoys playing guitar and golfing.
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Chris Smith
Trust Specialist
Joseph DeGregoris
Planning Associate
About Chris Smith
Chris Smith is an Executive Director and Head of Morgan Stanley’s Trust Services Group. As a 30-year employee of Morgan Stanley, Chris is responsible for maintaining the “Open Architecture” trustee platform, which consists of thirteen third-party trust companies who can serve in a fiduciary, agency or custodial role for ultra-high-net worth client trust accounts. Chris and the Trust Services Group help Advisors, clients, prospects and the professional community understand the corporate trustee services available through Morgan Stanley and how our corporate trustee partners can be used to provide fiduciary solutions for clients. This involves reviewing trust document and statements as well as analyzing family dynamics. Chris then uses this information to recommend one or more of the firm’s third-party corporate trustee partners to possibly serve as trustee, co-trustee or administrative agent for a client trust account.
Prior to joining Morgan Stanley (Dean Witter), Chris worked in the Retirement Plans department of Prudential Securities and prior to that the District Agency department of Prudential Insurance Company. Chris holds a Bachelor of Arts degree in Communication/Journalism and Psychology from St. John Fisher College in Rochester, NY. He lives in Saratoga Springs, NY with his wife Sharon and two boys, Ryan and Michael and has a passion for golf, skiing and horse racing.
Prior to joining Morgan Stanley (Dean Witter), Chris worked in the Retirement Plans department of Prudential Securities and prior to that the District Agency department of Prudential Insurance Company. Chris holds a Bachelor of Arts degree in Communication/Journalism and Psychology from St. John Fisher College in Rochester, NY. He lives in Saratoga Springs, NY with his wife Sharon and two boys, Ryan and Michael and has a passion for golf, skiing and horse racing.
About Joseph DeGregoris
Joseph DeGregoris is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Joseph DeGregoris provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Loyola University Maryland and received a bachelor’s degree in business administration with a concentration in finance. Joseph DeGregoris is originally from Long Island, NY and currently resides in Long Island.
He earned his undergraduate degree from Loyola University Maryland and received a bachelor’s degree in business administration with a concentration in finance. Joseph DeGregoris is originally from Long Island, NY and currently resides in Long Island.
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 trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley 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.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account.
Morgan Stanley 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.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account.
Wealth Management
From My Desk
Are You Prepared for Tax Day?
Wealth Management
Global Investment Office
Portfolio Insights
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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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
Rational Investing in an Age of Uncertainty
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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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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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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
Ready to start a conversation? Contact Aaron McIntyre today.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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 and other legal matters.
5Morgan 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.
6Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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 and other legal matters.
5Morgan 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.
6Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7When 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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
