David J. Sobel, MBA
Managing Director, Financial Advisor, Senior Portfolio Management Director
Phone:
(727) 773-4697(727) 773-4697
Alex Muscati, CRPC®
Senior Vice President, Wealth Management,
Financial Advisor,
Portfolio Management Director
Direct:
(727) 773-4605(727) 773-4605
My Mission Statement
Our goal is to deliver first class, relationship-based, holistic financial management experiences through our tailored wealth planning approach.
My Story and Services
Alex has more than 30 years of experience providing financial services and wealth management advice to individuals, families, and businesses. A summa cum laude graduate of the Pennsylvania State University, he earned a degree in Economics and Finance, which he leverages to help high-net worth clients navigate all aspects of their financial lives.
As a Portfolio Management Director and Financial Advisor, Alex constructs and manages customized portfolios aligned with each client’s objectives and risk profile. He works closely with financial planning directors and banking partners to deliver a comprehensive investment platform, including sophisticated estate and wealth transfer strategies.
Building strong client relationships and delivering an exceptional client experience are paramount to Alex. He values trust, collaboration, and long-term partnerships, and he looks forward to helping clients pursue their financial goals with clarity and confidence.
As a Portfolio Management Director and Financial Advisor, Alex constructs and manages customized portfolios aligned with each client’s objectives and risk profile. He works closely with financial planning directors and banking partners to deliver a comprehensive investment platform, including sophisticated estate and wealth transfer strategies.
Building strong client relationships and delivering an exceptional client experience are paramount to Alex. He values trust, collaboration, and long-term partnerships, and he looks forward to helping clients pursue their financial goals with clarity and confidence.
Securities Agent: NC, FL, TX, OH, IL, TN, ID, WV, MI, CO, CA, VA, RI, NH, NE, DC, AZ, WA, UT, AL, WI, VI, MA, GA, OR, NM, MO, MD, IN, HI, WY, SC, ME, CT, PA, NY, NJ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 519094
NMLS#: 519094
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working with You
As your wealth has grown, so has its complexity and the resources required to manage it. We provide you with the best of both worlds—the personal attention of a dedicated team of Financial Advisors and access to a comprehensive array of services and solutions designed to address virtually any financial challenge or opportunity.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions., liquidity events and insurance coverage, Examining relevant financial information provides a holistic asset allocation analysis for your accounts helping ensure a comprehensive financial plan.
Step 4: Action Items/Next Steps
After the financial plan presentation, we will follow up with you regarding our analysis and recommendations. This may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Step 5: Implementation Meeting
The Implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always met.
Digital Tools
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. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
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.
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Digital Vault
The digital vault allows you to digitally store and conveniently access your critical documents for your account. These files are stored using encryption and can be easily shared with our team with just a few clicks.
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Online Security Center
Safeguarding your assets and information is one of our highest priorities, but you also have a critical role to play. Check out our collection of practical takeaways and best practices from our cybersecurity professionals, then explore a few of the ways we help protect you.
Insights for Market Research
We are here to help you navigate the current market environment and what it means for portfolios. These are some resources meant to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern market and economic landscape.
Global Investment Committee Weekly Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
On the Markets
Market Insights available to help articulate the capabilities of Morgan Stanley as the destination of choice for latest on the market.
Investment Research
Through timely, in-depth analysis of companies, industries, markets, and world economies, Morgan Stanley has earned its reputation as a leader in the field of investment research.
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Cybersecurity Resources
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Sustainability at Morgan Stanley
Stay up to date with the latest publications from Morgan Stanley on sustainable investing. Our sustainability strategy is focused on helping clients achieve their sustainability-related ambitions by providing advice, products and solutions.
Location
4114 Woodlands Parkway
Suite 200
Palm Harbor, FL 34685
US
Direct:
(727) 773-4605(727) 773-4605
Meet My Team
Britni Temme
Vice President, Financial Advisor, Financial Planning Specialist, Portfolio Manager
Phone:
(727) 773-4651(727) 773-4651
Dawn Gatti
Registered Client Service Associate
Phone:
(727) 773-4607(727) 773-4607
Vannie Andolino
Registered Client Service Associate
Phone:
(727) 773-4698(727) 773-4698
Zachery Sobel
Client Service Associate
Phone:
(727) 773-4699(727) 773-4699
About David J. Sobel
David graduated from Florida State University with a Bachelors in Economics and went on to obtain his Masters of Business Administration from Rollins College, Crummer Graduate School of Business. David has been with Morgan Stanley since 2014 and serves as a Managing Director, Senior Portfolio Management Director, Financial Planning Specialist and Financial Advisor. David is committed to helping his clients in any way he can and specifically specializes in portfolio management, holistic financial planning, business exit planning, retirement planning, tax planning, and insurance and annuities. He has received his Series 7 and 66 licenses as well as the 2-15 Life & Health Insurance licenses. David assists families, business owners, professionals, retirees, entrepreneurs, and ultra-high net worth individuals. Outside of work David enjoys doing outdoor activities with family, attending philanthropy events as well as business functions. David's utmost priority is the success of his clients and works diligently to help them achieve that success.
NMLS#: 1479446
NMLS#: 1479446
Securities Agent: GA, ME, NJ, MN, IL, CT, WV, VI, DE, RI, OK, MA, LA, IN, ID, OR, DC, WA, VT, TN, NY, NH, NC, MI, CO, TX, HI, FL, AZ, AR, SC, NV, NM, NE, MD, KS, CA, AL, ND, WI, UT, OH, WY, VA, PA, MO; General Securities Representative; Investment Advisor Representative
About Britni Temme
Britni graduated from the University of South Florida and now serves as a Financial Advisor at Morgan Stanley with over seven years of experience in the financial industry. She is a Financial Planning Specialist and is passionate about helping her clients achieve their financial goals. Britni specializes in working with business owners, physicians, retirees, and high net worth families. She takes pride in being able to provide family office resources for her ultra-high net worth clients including specialty services on holistic financial planning, tax loss harvesting, retirement planning, education savings plans, and insurance and annuities. She has received her Series 7 and 66 licenses as well as the 2-15 Life & Health Insurance licenses. Britni is a member of Women in Wealth at Morgan Stanley and is involved in local organizations that focus on Women in Philanthropy. She is committed to giving back to her community and helping others.
NMLS#: 2359442
NMLS#: 2359442
Securities Agent: MI, WY, VT, ND, IL, TX, PA, MD, CO, AL, RI, NJ, ME, IN, FL, AZ, AR, OR, NM, MO, MN, GA, CA, OH, UT, TN, NV, ID, DC, WV, OK, NH, NE, MA, KS, HI, VI, VA, SC, NY, DE, WI, WA, NC, LA, CT; General Securities Representative; Investment Advisor Representative
About Dawn Gatti
Dawn Gatti is an experienced Licensed Client Service Associate at Morgan Stanley, having joined the firm in 2024. With over 30 years of experience in the financial services industry, Dawn plays a critical role in managing the service and proactive operation of client relationships, striving to help ensure an exceptional client experience. She is committed to delivering superior service and continually strives to exceed client expectation in her day-to-day responsibilities.
Dawn lives in New Port Richey Florida with her husband Mario. Outside of work, Dawn enjoys leading a weekly pub trivia team, spending time by the water and reading a juicy novel.
Dawn lives in New Port Richey Florida with her husband Mario. Outside of work, Dawn enjoys leading a weekly pub trivia team, spending time by the water and reading a juicy novel.
About Vannie Andolino
Vannie graduated in 2021 with a Bachelor’s of Science in Business Administration, sub plan in Financial Services. Shortly after graduating she began her career in the finance industry at Morgan Stanley. Vannie is a Registered Client Service Associate with The Sobel Group. She is often the first point of contact on our team and coordinates all aspects of the client experience. Her primary role is to manage the operational needs for our clients, whether it be assisting with account openings, transaction requests, helping address financial questions, updating profile information, etc. Vannie is Series 7 and 66 registered, which means she can accept trades on your behalf. She is always willing to go above and beyond to answer and resolve your account related questions.
About Zachery Sobel
Zachery brings a wealth of experience and a fresh perspective that will undoubtedly enhance our team's strengths. We are excited to have him on board and look forward to the contributions he will make in his new role.
Zachery's background is impressive, with over six years of experience in civil defense litigation at Florida’s largest law firm, Cole, Scott, and Kissane, P.A. His experience in handling complex legal matters, including first-party property lawsuits, auto accident and bodily injury claims, and various malpractice claims, has equipped him with a unique skill set that will be invaluable to our team.
Beyond his professional achievements, Zachery is a graduate of the University of Cincinnati College of Law, where he developed a keen interest in constitutional law. He also has a notable history as a college golfer, having earned a scholarship to The Ohio State University and competed in over 50 professional golf tournaments. In his leisure time, Zachery enjoys playing golf and watching OSU Buckeye football.
Zachery's background is impressive, with over six years of experience in civil defense litigation at Florida’s largest law firm, Cole, Scott, and Kissane, P.A. His experience in handling complex legal matters, including first-party property lawsuits, auto accident and bodily injury claims, and various malpractice claims, has equipped him with a unique skill set that will be invaluable to our team.
Beyond his professional achievements, Zachery is a graduate of the University of Cincinnati College of Law, where he developed a keen interest in constitutional law. He also has a notable history as a college golfer, having earned a scholarship to The Ohio State University and competed in over 50 professional golf tournaments. In his leisure time, Zachery enjoys playing golf and watching OSU Buckeye football.
Securities Agent: TN, AZ, NY, NJ, MS, ME, AR, AL, WV, SC, OH, UT, ND, MD, ID, LA, KS, CO, VT, VI, RI, NC, MO, MA, DE, DC, WA, NM, NH, MI, IL, FL, CA, VA, OR, OK, GA, CT, IN, WI, TX, NE, WY, PA, NV, MN, HI; General Securities Representative; Investment Advisor Representative
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
Michael Johnson
Private Banker
Emily Najjar, CFP®
Vice President, Financial Planning Director
About Michael Johnson
Michael Johnson is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Michael began his career in financial services in 2010, and joined Morgan Stanley in 2022. Prior to joining the firm, he was a Regional Lending Director at Wells Fargo Advisors. He also served as a Financial Advisor at Merrill Lynch.
Michael is a graduate of the Middle Tennessee State University, where he received a Bachelors Degree in Finance. He lives in St. Petersburg, FL.. Outside of the office, Michael enjoys the outdoors with his dog Wayne, playing ice hockey and golf, and watching all of his favorite sports teams let him down. He serves his community through Reach St. Pete, a non-profit that provides resources to those experiencing homelessness, low-income, and at-risks situations.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Michael began his career in financial services in 2010, and joined Morgan Stanley in 2022. Prior to joining the firm, he was a Regional Lending Director at Wells Fargo Advisors. He also served as a Financial Advisor at Merrill Lynch.
Michael is a graduate of the Middle Tennessee State University, where he received a Bachelors Degree in Finance. He lives in St. Petersburg, FL.. Outside of the office, Michael enjoys the outdoors with his dog Wayne, playing ice hockey and golf, and watching all of his favorite sports teams let him down. He serves his community through Reach St. Pete, a non-profit that provides resources to those experiencing homelessness, low-income, and at-risks situations.
NMLS#: 982074
About Emily Najjar, CFP®
Emily Najjar is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in the Tampa Bay, FL area. She is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Emily began her career in financial services in 2016 and joined Morgan Stanley in 2024. Prior to her current position, she was a senior financial advisor at Merrill Lynch and helped individuals, families, and businesses achieve their goals through financial planning.
Emily graduated from Niagara University with a BS degree and holds her CERTIFIED FINANCIAL PLANNER™ designation. Outside of work, Emily enjoys playing the guitar, reading, and exploring new and inspiring destinations through travel.
DISCLOSURE:
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.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
Emily began her career in financial services in 2016 and joined Morgan Stanley in 2024. Prior to her current position, she was a senior financial advisor at Merrill Lynch and helped individuals, families, and businesses achieve their goals through financial planning.
Emily graduated from Niagara University with a BS degree and holds her CERTIFIED FINANCIAL PLANNER™ designation. Outside of work, Emily enjoys playing the guitar, reading, and exploring new and inspiring destinations through travel.
DISCLOSURE:
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.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Wealth Management
Global Investment Office
Portfolio Insights
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
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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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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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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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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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Alex Muscati today.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)