Emily Louie
Registered Associate
Phone:
(212) 307-2844(212) 307-2844
Allen Liebb
Senior Vice President,
Financial Advisor,
Senior Investment Management Consultant,
Financial Planning Specialist,
Family Wealth Advisor,
Senior Portfolio Manager
Direct:
(212) 492-6325(212) 492-6325
Toll-Free:
(800) 917-9662(800) 917-9662
My Mission Statement
With nearly 40 years of experience of providing wise counsel for business owners and retirees, we are dedicated to helping our clients and families achieve their financial goals. We use our personalized approach to guide clients in managing their financial lives and investment assets with devotion and passion.
OPTIMIZE YOUR FINANCIAL FUTURE.
My team, The SVS Wealth Management Team, and I are a dedicated team of wealth managers committed to prioritizing your financial-security above all else. Our team functions as a boutique within the expansive framework of Morgan Stanley, seamlessly blending personalized service with institutional strength.
Our mission is clear: to help you preserve your hard-earned wealth, simplify your finances, and create clear plans to support your future ambitions. We understand that achieving considerable financial success comes with its own set of challenges, which is why we specialize in addressing complex wealth management issues with precision and expertise.
With years of experience and a deep understanding of the intricacies of multigenerational wealth, we are well-equipped to guide families through sophisticated financial decisions. Our comprehensive approach not only focuses on transferring wealth to future generations but also ensures they are adequately prepared to receive it.
As your dedicated wealth managers, we prioritize keeping your investments aligned with your goals, providing consolidated reporting for clarity, managing liquidity needs efficiently, and executing your philanthropic plan effectively. Our cost-efficient strategies aim to maximize returns while minimizing unnecessary expenses, ensuring that your financial resources are optimized for long-term growth.
We take the time to understand what you want out of life and work diligently every day to help you pursue your aspirations. If you're ready to experience the benefits of our approach to wealth management, please don't hesitate to contact me. My team and I are here to help you achieve financial success and peace of mind.
Our mission is clear: to help you preserve your hard-earned wealth, simplify your finances, and create clear plans to support your future ambitions. We understand that achieving considerable financial success comes with its own set of challenges, which is why we specialize in addressing complex wealth management issues with precision and expertise.
With years of experience and a deep understanding of the intricacies of multigenerational wealth, we are well-equipped to guide families through sophisticated financial decisions. Our comprehensive approach not only focuses on transferring wealth to future generations but also ensures they are adequately prepared to receive it.
As your dedicated wealth managers, we prioritize keeping your investments aligned with your goals, providing consolidated reporting for clarity, managing liquidity needs efficiently, and executing your philanthropic plan effectively. Our cost-efficient strategies aim to maximize returns while minimizing unnecessary expenses, ensuring that your financial resources are optimized for long-term growth.
We take the time to understand what you want out of life and work diligently every day to help you pursue your aspirations. If you're ready to experience the benefits of our approach to wealth management, please don't hesitate to contact me. My team and I are here to help you achieve financial success and peace of mind.
Securities Agent: OK, NJ, WI, AL, IN, ME, SD, MS, ID, CA, IA, LA, TN, OR, MD, WA, IL, NE, AR, NM, CT, NV, VT, MT, DE, NH, CO, PR, KY, WY, VI, SC, VA, KS, MN, RI, UT, AZ, WV, FL, NC, ND, MI, HI, MA, MO, PA, DC, TX, NY, OH, GA, AK; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1262096
NMLS#: 1262096
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Specific Concerns of business leaders
Every successful person faces a variety of issues regarding wealth management.
In our experience, business leaders rely on a cadre of trusted executives and advisors to help them grapple with financial issues. We try to replicate that process with our clients – functioning as their personal CFO to do the legwork and make intelligent recommendations.
We also relate personally to the needs of business leaders, because we ARE also business owners. Our practice is run by our team. Team members have also started, managed and sold their own businesses. And thanks to our long experience assisting business leaders, we understand your short- and long-term concerns, and look for ways to help both enhance your wealth and simplify your life.
In our experience, business leaders rely on a cadre of trusted executives and advisors to help them grapple with financial issues. We try to replicate that process with our clients – functioning as their personal CFO to do the legwork and make intelligent recommendations.
We also relate personally to the needs of business leaders, because we ARE also business owners. Our practice is run by our team. Team members have also started, managed and sold their own businesses. And thanks to our long experience assisting business leaders, we understand your short- and long-term concerns, and look for ways to help both enhance your wealth and simplify your life.
Some of the business leaders we work with are in the following industries:
- Construction
- Real Estate Development
- Entertainment / Sports
- Technology / Software
- Medical
- Law
- Finance / Accounting
- Maufacturing
- Food / Beverage
Your Financial Concerns
- When and How to Sell the Business
- Mergers and Acquisitions
- Succession Planning for a Family Business
- Analysis of Business Debt
- Lending
- Business Cash Capital
- Raising Capital
- Cash Flow Analysis
- Executive Compensation Strategies
- Equity Compensation Planning
- Reitrement Plans
- ESOP
Financial Planning
My wealth management strategy is centered around you, your family, and your profession - where you are now and where you want to be in the future. We provide the structure to help you get there. Check out our process below:
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 Planning
Financial plans map out essential factors that play into your financial success. Examining all relevant financial information provides a holistic asset allocation analysis for all of your accounts ensuring a comprehensive financial plan.
Step 4: Action Items
After the creation of the financial plan, I will follow up with you regarding my analysis and recommendations.
Step 5: Implementation
Implementation focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving and benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, I will be constantly monitoring your assets and analyzing your performance tracking data to help 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 addressed.
Awards and Designations
America's Top Wealth Management Teams - Forbes
Recognized by Forbes in their 2022-2024 rankings of America's Top Wealth Management Teams. Awarded to groups of experienced wealth managers that have proven track records of success according to SHOOK Research, which uses quantitative and qualitative data, including interviews, to rank teams.
Source: Forbes.com (Awarded 2022-2024) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Award Disclosures:(https://www.morganstanley.com/disclosures/awards-disclosure.html)
Source: Forbes.com (Awarded 2022-2024) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Award Disclosures:(https://www.morganstanley.com/disclosures/awards-disclosure.html)
Top 250 Private Wealth Management Teams - Barron's
Recognized in Barron's 2024 Top 250 Private Wealth Management Teams. Teams are ranked on a variety of factors, including their size and shape, their regulatory records and credentials of their members, and the resources they have at their disposal to serve their client bases.
(Source: Barron's (Awarded May 2024). Data compiled by Barron's based on time period from Jan 2023-Dec 2023. https://mgstn.ly/3WD0yje)
(Source: Barron's (Awarded May 2024). Data compiled by Barron's based on time period from Jan 2023-Dec 2023. https://mgstn.ly/3WD0yje)
Best-In-State Wealth Management Teams - Forbes
Recognized by Forbes magazine’s 2023 & 2024 ranking of Best-In-State Wealth management teams. Awarded to groups of experienced wealth managers that have proven track records of success according to SHOOK Research, which uses quantitative and qualitative data, including interviews, to rank teams.
Forbes.com (Awarded 2023 & 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Award Disclosures: (https://www.morganstanley.com/disclosures/awards-disclosure.html)
Forbes.com (Awarded 2023 & 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Award Disclosures: (https://www.morganstanley.com/disclosures/awards-disclosure.html)
Senior Portfolio Manager
The Senior Portfolio Manager designation was developed for Financial Advisors who have significantly incorporated portfolio management into their practice.
Financial Planning Specialist
The Financial Planning Specialist designation was developed for Financial Advisors who have significantly incorporated financial planning into their practice.
PLAN WITH CONFIDENCE
As a high net-worth client, your situation is unique. The distinction of your wealth management needs lies within the complexity of your circumstance combined with your goals. With the tools and resources of Morgan Stanley’s broader firm, we can provide the comprehensive guidance that is necessary for a high net-worth family.
Morgan Stanley Family Office
When it comes to providing institutional-level support for your family office, scale matters. Our offering aims to bring together specialized investment services and operational support to enhance your life and legacy.
Morgan Stanley Family Office
Family Office Resources Overview
This resource provides more information about Morgan Stanley's suite of Family Office Resources, touching upon the complex, multigenerational wealth management issues of high-net-worth families like yours, the evolution of your family's needs, and the moving parts to consider when putting the foundational elements in place.
Family Office Resources Overview
Lifestyle Advisory Offering
Check out this resource covering some of our lifestyle solutions, from every day to extraordinary aspects of your life:
○ Travel & Concierge Services
○ Health & Security Advisory
○ Personal Enrichment
○ Tangible Asset Management
○ Financial Administration
Lifestyle Advisory Offering○ Travel & Concierge Services
○ Health & Security Advisory
○ Personal Enrichment
○ Tangible Asset Management
○ Financial Administration
Estate Planning Strategies
We can work with you to explore factors that are relevant to existing or future estate structures. We will discuss different tax and estate planning strategies and collaborate with your external tax and legal advisors. Learn more in the resource below.
Considerations and Documents of Estate PlanningLocation
399 Park Ave 12th
Fl
New York, NY 10022
US
Direct:
(212) 492-6325(212) 492-6325
Toll-Free:
(800) 917-9662(800) 917-9662
Fax:
(212) 492-6352(212) 492-6352
Meet My Team
Lori Simón
Financial Advisor, Workplace Advisor – Equity Compensation
Phone:
(732) 389-5199(732) 389-5199
Alvaro Ramirez
Financial Advisor
Phone:
(212) 893-6313(212) 893-6313
About Emily Louie
Emily is originally from Boca Raton, Florida, she now resides in Manhattan and joined the team as a Registered Associate. She earned her degree in economics and marketing from the University of Miami in 2023 and began her career at Merrill Lynch in Miami. Outside of work, she enjoys skiing, playing tennis, and traveling.
About Lori Simón
Lori A Simón joined The SVS Wealth Management Team in 2017. She holds her Series 7, and Series 66, as well as Life, Variable Life and Health Insurances licenses. Lori graduated from Fordham University with a BA in Communications. She lives in Monmouth County with her daughter. She enjoys cooking for her family and friends, and she also volunteers her time at her church to collect shoes and clothing for the underprivileged children of Haiti.
About Alvaro Ramirez
Alvaro Ramirez recently joined the SVS Management Team as a Financial Advisor. Prior to joining the SVS Team, Alvaro started his professional career with First Investors Inc., as a Financial Advisor Representative between 2004 and 2006. In 2006 Alvaro joined an Ultra High Net Worth financial advisor at UBS Financial Services Inc. between 2006 and 2010 as a Registered Client Associate. In 2010, Alvaro joined a Morgan Stanley Private Wealth Management team.
Alvaro’s passion for the business lies in his ability in helping clients solve their financial concerns. The tools and resources made available at Morgan Stanley make it possible to provide clients with confidence to their finances.
Alvaro earned a Bachelor of Science degree in economics and finance from the University of Hartford. When not in the office, Alvaro enjoys attending Yankee and Ranger games. His hobbies include golfing, snowboarding and racing motorcycles. He resides in Westchester NY with his wife and daughter.
Alvaro’s passion for the business lies in his ability in helping clients solve their financial concerns. The tools and resources made available at Morgan Stanley make it possible to provide clients with confidence to their finances.
Alvaro earned a Bachelor of Science degree in economics and finance from the University of Hartford. When not in the office, Alvaro enjoys attending Yankee and Ranger games. His hobbies include golfing, snowboarding and racing motorcycles. He resides in Westchester NY with his wife and daughter.
Securities Agent: RI, NV, WY, OR, MS, TN, SD, NJ, WV, NM, KY, UT, OK, OH, PR, SC, KS, WI, VI, VA, WA, FL, TX, VT, MD, ME, MN, PA, MO, NY, MT, NC, NH, MA, NE, ND, AK, MI, AR, LA, AL, IN, IL, CA, ID, GA, IA, DC, CT, HI, CO, AZ, DE; 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
Craig Champagnie
Private Banker
Colin Brady, CFP®
Financial Planning Director, Vice President
About Craig Champagnie
Craig Champagnie is a Private Banker serving Morgan Stanley Wealth Management offices in New York.
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.
Craig began his career in financial services in 2005, and joined Morgan Stanley in 2017 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Banker, Business Banker, and Branch Manager at the JP Morgan Chase Bank.
Craig is a graduate of the The State University of New York, Stony Brook, where he received a Bachelor of Arts in Economics. He lives in Wantagh, New York with his family. Outside of the office, Craig donates his time to The SIFMA Foundation. He enjoys fitness training and playing golf, football and basketball.
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.
Craig began his career in financial services in 2005, and joined Morgan Stanley in 2017 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Banker, Business Banker, and Branch Manager at the JP Morgan Chase Bank.
Craig is a graduate of the The State University of New York, Stony Brook, where he received a Bachelor of Arts in Economics. He lives in Wantagh, New York with his family. Outside of the office, Craig donates his time to The SIFMA Foundation. He enjoys fitness training and playing golf, football and basketball.
NMLS#: 626539
About Colin Brady
Colin Brady is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management office at 399 Park Ave in New York City. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Colin began his career in financial services in 2011 and joined Morgan Stanley in 2022. Prior to his current position, he spent the last 5 years working as a Wealth Management Advisor with TIAA. In his time at TIAA, he advised clients in various financial planning needs such as retirement, asset management, income generation, estate & legacy planning, and charitable giving.
Colin graduated from Pace University and holds his Certified Financial Planner® designation. Colin lives in Stewart Manor, New York with his wife, Lauren, and his son, Liam. Outside of work, Colin enjoys spending time with his family, cooking and golfing.
Colin began his career in financial services in 2011 and joined Morgan Stanley in 2022. Prior to his current position, he spent the last 5 years working as a Wealth Management Advisor with TIAA. In his time at TIAA, he advised clients in various financial planning needs such as retirement, asset management, income generation, estate & legacy planning, and charitable giving.
Colin graduated from Pace University and holds his Certified Financial Planner® designation. Colin lives in Stewart Manor, New York with his wife, Lauren, and his son, Liam. Outside of work, Colin enjoys spending time with his family, cooking and golfing.
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, 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
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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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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
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 Allen Liebb today.
1Morgan 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.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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
4Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 and other legal matters.
6When 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.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Morgan Stanley 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.
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
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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
4Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 and other legal matters.
6When 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.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Morgan Stanley 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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
