Kyle Witte, CFP®
Financial Planning Director, Vice President
Alexander R Suero, CFP®, CIMA®
Senior Vice President,
Financial Advisor,
Senior Portfolio Management Director,
Family Wealth Director
Direct:
(212) 492-6752(212) 492-6752
Toll-Free:
(800) 917-9662(800) 917-9662
My Mission Statement
To earn the trust of my clients and their families through sound advice and honest conversation
My Story
There are literally thousands of Financial Advisors to whom you can turn for advice and guidance. What makes me different?
For one thing, it’s my commitment to providing my clients with solutions to their financial issues that are not always readily apparent. For another, I take the time to understand who my clients are as people, not just investors, and I’m not afraid to tell them what they don’t always want to hear. Finally, I am supported by the extensive resources of one of the world’s most respected financial services firms – resources that can make a major impact in your ability to create coordinated, workable strategies in an increasingly complex financial environment.
As a CERTIFIED FINANCIAL PLANNER™ (CFP®), and Certified Investment Management Analyst (CIMA®), I offer my clients tailored advice that’s backed by rigorous training and professional experience. My objective is to deliver an outstanding client experience focused on sophisticated, smart investment strategies and comprehensive planning services that encompass virtually every aspect of your financial life. Retirement planning, estate planning, tax planning, risk management, lending strategies – these are but a few of the issues I can help you address with meaningful advice that’s carefully conceived and given with the realization that your future financial security may depend on it.
I bring over 20 years of experience to the service of my clients and during that time, I’ve established numerous client relationships that are noted for their depth and mutual respect. That’s the accomplishment of which I’m most proud…and the goal I continue to pursue in my day-to-day practice.
For one thing, it’s my commitment to providing my clients with solutions to their financial issues that are not always readily apparent. For another, I take the time to understand who my clients are as people, not just investors, and I’m not afraid to tell them what they don’t always want to hear. Finally, I am supported by the extensive resources of one of the world’s most respected financial services firms – resources that can make a major impact in your ability to create coordinated, workable strategies in an increasingly complex financial environment.
As a CERTIFIED FINANCIAL PLANNER™ (CFP®), and Certified Investment Management Analyst (CIMA®), I offer my clients tailored advice that’s backed by rigorous training and professional experience. My objective is to deliver an outstanding client experience focused on sophisticated, smart investment strategies and comprehensive planning services that encompass virtually every aspect of your financial life. Retirement planning, estate planning, tax planning, risk management, lending strategies – these are but a few of the issues I can help you address with meaningful advice that’s carefully conceived and given with the realization that your future financial security may depend on it.
I bring over 20 years of experience to the service of my clients and during that time, I’ve established numerous client relationships that are noted for their depth and mutual respect. That’s the accomplishment of which I’m most proud…and the goal I continue to pursue in my day-to-day practice.
Services Include
- Asset Management
- Retirement PlanningFootnote1
- Financial PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Executive Financial ServicesFootnote4
- Planning for Individuals with Special Needs
- Divorce Financial AnalysisFootnote5
- Lending Products
- Cash ManagementFootnote6
- Life InsuranceFootnote7
- Alternative InvestmentsFootnote8
- Structured ProductsFootnote9
- Sustainable InvestingFootnote10
Securities Agent: IN, VT, TX, TN, FL, OR, OH, CO, WI, NV, RI, PA, NY, NJ, MD, MA, CA, AZ, AL, PR, CT, UT, SC, NM, GA, KY, DC, WY, WA, NC, MT, ME, IL, DE, NH, VA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278983
NMLS#: 1278983
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
Client relationships include corporate executives, skilled physicians, prominent business owners and accomplished professionals who seek unbiased, personalized advice. Some seek to maintain their lifestyle once they retire. Others are concerned about leaving a meaningful legacy to their children without excessive taxation or family conflict. Still others simply wish to simply feel more confident that they are on the right path to wherever it is they hope to arrive someday.
Corporate Executives generally maintain portfolios that consist largely of their employer stock. They know they should diversify to reduce risk, but they don’t want to appear disloyal and are wary of tax consequences. In addition, they often own stock options that are subject to rules of which they may only be vaguely aware. I help them manage risk, make informed decisions and integrate their equity compensation and other corporate benefits into their overall wealth management plan.
Physicians are typically so occupied with their work that they simply don’t have the time or inclination to focus on investments and other financial issues. My goal is to be able to relieve their concerns and increase their likelihood of achieving whatever is most important to them without infringing on their time spent treating patients.
My conversations with all these clients are candid and forthright. I want to find out who they are, what they value, what they hope to accomplish and where they are financially, so I can develop a strategy to help them succeed. I strive to be the person my clients seek whenever they have a financial decision or issue. Just because that issue may seem daunting doesn’t mean it can’t be addressed successfully by developing and implementing a strong, customized plan.
Corporate Executives generally maintain portfolios that consist largely of their employer stock. They know they should diversify to reduce risk, but they don’t want to appear disloyal and are wary of tax consequences. In addition, they often own stock options that are subject to rules of which they may only be vaguely aware. I help them manage risk, make informed decisions and integrate their equity compensation and other corporate benefits into their overall wealth management plan.
Physicians are typically so occupied with their work that they simply don’t have the time or inclination to focus on investments and other financial issues. My goal is to be able to relieve their concerns and increase their likelihood of achieving whatever is most important to them without infringing on their time spent treating patients.
My conversations with all these clients are candid and forthright. I want to find out who they are, what they value, what they hope to accomplish and where they are financially, so I can develop a strategy to help them succeed. I strive to be the person my clients seek whenever they have a financial decision or issue. Just because that issue may seem daunting doesn’t mean it can’t be addressed successfully by developing and implementing a strong, customized plan.
As my career progressed, I realized that if I wanted to provide my clients with advice that would make a difference in their financial lives, I would have to focus on far more than their investments. As a CERTIFIED FINANCIAL PLANNER™ (CFP®), I employ a goals-based approach that incorporates the following steps:
Identifying Aspirations
What do you really want for yourself and your family? Can you articulate what you want your retirement to look like, for example, and when you would like it to begin?
Quantifying Cost
How much will your desired goals actually cost? How much income will you have to generate to achieve your retirement dreams? What will college for your kids cost when they’re ready to go? I work closely with you to develop realistic cost estimates for the goals most important to you
Assessing Resources
How much have you saved for retirement and other objectives? How much income will you be able to generate from your assets and what other sources of income and assets might be available to you in the future? Social Security? A pension? An inheritance? I’ll help you quantify the resources from which you're hoping to fund your goal and determine whether you're on track to reaching it.
Evaluating Readiness
Is there a gap or a surplus between your expected resources and the goals to which you aspire? If there’s a gap, how you fill it? Spend less? Save more? Reposition your investments?
In addition to my CFP designation, I’m a Certified Investment Management Analyst (CIMA®) with years of experience applying advanced investment knowledge to confidently navigate even the most complex situations. My investment philosophy emphasizes a tax-efficient sector-based approach, while taking full advantage of Morgan Stanley’s thought leadership and extensive resources.
Education
CERTIFIED FINANCIAL PLANNER™
New York University - Certificate in Financial Planning
New York, NY
Certified Investment Management Analyst® - CIMA®
Investments & Wealth Institute
Wharton School of the University of Pennsylvania
Philadelphia, PA
Pennsylvania State University
B.S. - Smeal College of Business
University Park, PA
Ecole de Management de Lyon (EM Lyon)
International Business
Lyon, France
New York University - Certificate in Financial Planning
New York, NY
Certified Investment Management Analyst® - CIMA®
Investments & Wealth Institute
Wharton School of the University of Pennsylvania
Philadelphia, PA
Pennsylvania State University
B.S. - Smeal College of Business
University Park, PA
Ecole de Management de Lyon (EM Lyon)
International Business
Lyon, France
Experience
2005 - Present: Morgan Stanley
Senior Vice President - Wealth Management
Senior Portfolio Manager
Financial Advisor
New York, NY
2004-2005: Oppenheimer & Co.
New York, NY
2003-2004: The Vanguard Group
Malvern, PA
Senior Vice President - Wealth Management
Senior Portfolio Manager
Financial Advisor
New York, NY
2004-2005: Oppenheimer & Co.
New York, NY
2003-2004: The Vanguard Group
Malvern, PA
Honors
2025 Forbes Best-In-State Wealth Advisor, New York (Forbes Magazine)
2019 Forbes Next Generation Best-In-State Wealth Advisor, New York (Forbes Magazine)
2018 Forbes Next Generation Wealth Advisor (Forbes Magazine)
2014 -2017 Five Star Wealth Manager Award (New York Magazine)
"2025 Forbes Best-In-State Wealth Advisors
Source: Forbes (Awarded April 2025). Data compiled by SHOOK Research LLC based for the period 6/30/23–6/30/24."
"Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Feb 2019) Data compiled by SHOOK Research LLC based on time period from 6/30/17 - 6/30/18. "
"Forbes Top 1,000 Next Gen Wealth Advisors
Source: Forbes.com (Awarded Jul 2018) Data compiled by SHOOK Research LLC based on time period from 3/31/17 - 3/31/18."
"2014, 2015, 2016, 2017 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2014, 2015, 2016, 2017) 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. "
2014-2017 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2014-2017) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2014 Award - 03/01/2013 - 10/01/2013
2015 Award - 03/01/2014 - 10/01/2014
2016 Award - 11/01/2015 - 09/30/2016
2017 Award - 11/01/2016 - 11/30/2017
2019 Forbes Next Generation Best-In-State Wealth Advisor, New York (Forbes Magazine)
2018 Forbes Next Generation Wealth Advisor (Forbes Magazine)
2014 -2017 Five Star Wealth Manager Award (New York Magazine)
"2025 Forbes Best-In-State Wealth Advisors
Source: Forbes (Awarded April 2025). Data compiled by SHOOK Research LLC based for the period 6/30/23–6/30/24."
"Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Feb 2019) Data compiled by SHOOK Research LLC based on time period from 6/30/17 - 6/30/18. "
"Forbes Top 1,000 Next Gen Wealth Advisors
Source: Forbes.com (Awarded Jul 2018) Data compiled by SHOOK Research LLC based on time period from 3/31/17 - 3/31/18."
"2014, 2015, 2016, 2017 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2014, 2015, 2016, 2017) 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. "
2014-2017 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2014-2017) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2014 Award - 03/01/2013 - 10/01/2013
2015 Award - 03/01/2014 - 10/01/2014
2016 Award - 11/01/2015 - 09/30/2016
2017 Award - 11/01/2016 - 11/30/2017
Client Service Team
Valeria Vaz - Vice President, Wealth Advisory Associate
Phone:
(212) 401-0598(212) 401-0598
Email:Valeria.Vaz@morganstanley.com
Chris Papadopoulos - Client Service Associate
Phone:
(212) 492-6319(212) 492-6319
Email:Chris.Papadopoulos@morganstanley.com
Christopher Papadopoulos is a Client Service Associate for the Modern Impact Group at Morgan Stanley. Chris grew up in Manhasset, New York and is a graduate of Boston College, in which he majored in Political Science and minored in Finance. He is passionate about using his expertise to help others live a happier life, which drew him into a career of helping clients meet their goals. Chris is committed to creating the best client experience as well as forming a genuine connection with the clients. He gets great satisfaction from seeing clients achieve their goals through the plan that the team helps them create.
Outside of work, Chris enjoys spending time with family and friends. He is a big sports fan, as his favorite teams are the NY Islanders, NY Knicks, and NY Yankees. Some of Chris’s hobbies include going to the gym and playing golf. He has one sister and a French bulldog named Tito. He also loves to travel and visit new places from around the world.
Outside of work, Chris enjoys spending time with family and friends. He is a big sports fan, as his favorite teams are the NY Islanders, NY Knicks, and NY Yankees. Some of Chris’s hobbies include going to the gym and playing golf. He has one sister and a French bulldog named Tito. He also loves to travel and visit new places from around the world.
Location
55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 492-6752(212) 492-6752
Toll-Free:
(800) 917-9662(800) 917-9662
Fax:
(646) 588-0458(646) 588-0458
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
About Kyle Witte
Kyle Witte, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Midtown Manhattan. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Kyle began his career in financial services with Morgan Stanley in 2012. Prior to his current position, he worked with the financial planning product development team.
Kyle graduated from Florida State University and holds his Certified Financial Planner® designation. He lives on the West Side of Manhattan and appreciates all the perks of a walkable city. Outside of work, he enjoys traveling with friends, reading, football, soccer, and fundraising for a community golf tournament held annually in Florida.
Kyle began his career in financial services with Morgan Stanley in 2012. Prior to his current position, he worked with the financial planning product development team.
Kyle graduated from Florida State University and holds his Certified Financial Planner® designation. He lives on the West Side of Manhattan and appreciates all the perks of a walkable city. Outside of work, he enjoys traveling with friends, reading, football, soccer, and fundraising for a community golf tournament held annually in Florida.
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.
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
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 Alexander R Suero today.
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.
1When 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.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley 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.
4Morgan 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.
5Morgan 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.
6Morgan 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
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Alternative 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.
9Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
10Investing 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.
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
1When 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.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley 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.
4Morgan 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.
5Morgan 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.
6Morgan 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
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Alternative 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.
9Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
10Investing 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.
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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
