Isaiah Williams
Managing Director, Market Executive
Phone:
(610) 391-6302(610) 391-6302
Morgan Stanley
Allentown Market Office
You define success, we help you achieve it
515 West Hamilton St, 7th
Fl
Allentown, PA 18101
US
Market:
(610) 395-7700(610) 395-7700
Toll-Free:
(800) 433-4200(800) 433-4200
Market Executive
Isaiah WilliamsPhone:
(610) 391-6302(610) 391-6302
About Morgan Stanley Allentown Market
Welcome to the Morgan Stanley Allentown branch, proudly serving the Lehigh Valley within the Central Eastern PA Market—where a rich industrial heritage meets a vibrant, growing community. We’re honored to support generations of successful individuals, families, business owners, and institutions across Allentown and the surrounding region.
Our Financial Advisors are focused on you and your unique goals. We take pride in delivering thoughtful Financial Planning and helping clients navigate life’s milestones with clarity and confidence. Just as important, what truly defines us is our culture of care—built on respect, long-term relationships, and a commitment to putting clients first.
Morgan Stanley offers the strength of a global brand and the full resources of a premier financial institution. Locally, our leadership team partners closely with our Financial Advisors—listening, problem-solving, and helping connect the right specialists and capabilities to deliver the breadth of the firm. Through collaboration and a shared focus on growth, we’ve built a community that’s committed to helping people thrive.
In our Central Eastern PA Market, we bring our values to life through how we show up for our clients, our colleagues, and our community. Our Market’s Core Values Collective helps unite and amplify these efforts—creating opportunities to live our Core Values through service, inclusion, mentorship, and meaningful engagement. Whether we’re supporting local nonprofits, contributing time and talent to community initiatives, or rallying around causes that matter to our employees and clients, we aim to make a positive impact close to home.
We welcome you to join us—whether you’re a client looking for a dedicated Financial Advisor, a Financial Advisor exploring a new firm, or a career-minded professional eager to grow in a high-impact industry. Morgan Stanley is a place where people, purpose, and performance come together.
Our Financial Advisors are focused on you and your unique goals. We take pride in delivering thoughtful Financial Planning and helping clients navigate life’s milestones with clarity and confidence. Just as important, what truly defines us is our culture of care—built on respect, long-term relationships, and a commitment to putting clients first.
Morgan Stanley offers the strength of a global brand and the full resources of a premier financial institution. Locally, our leadership team partners closely with our Financial Advisors—listening, problem-solving, and helping connect the right specialists and capabilities to deliver the breadth of the firm. Through collaboration and a shared focus on growth, we’ve built a community that’s committed to helping people thrive.
In our Central Eastern PA Market, we bring our values to life through how we show up for our clients, our colleagues, and our community. Our Market’s Core Values Collective helps unite and amplify these efforts—creating opportunities to live our Core Values through service, inclusion, mentorship, and meaningful engagement. Whether we’re supporting local nonprofits, contributing time and talent to community initiatives, or rallying around causes that matter to our employees and clients, we aim to make a positive impact close to home.
We welcome you to join us—whether you’re a client looking for a dedicated Financial Advisor, a Financial Advisor exploring a new firm, or a career-minded professional eager to grow in a high-impact industry. Morgan Stanley is a place where people, purpose, and performance come together.
Services Provided
- Retirement PlanningFootnote1
- Saving for CollegeFootnote2
- Maintaining Cash Flow
- Long-term Care InsuranceFootnote3
- Traditional Investments
- Alternative InvestmentsFootnote4
- Insurance ServicesFootnote5
- Investing with ImpactFootnote6
- Legacy PlanningFootnote7
- Succession PlanningFootnote8
- Family Mission Statements
- Next Generation EducationFootnote9
- Lending SolutionsFootnote10
- Cash Management SolutionsFootnote11
Our Team at Morgan Stanley Allentown Market
Dana C. Rosewag
Senior Vice President, Associate Market Manager
Phone:
(717) 852-4144(717) 852-4144
Jon Ruch
First Vice President, Market Business Service Officer, Financial Planning Associate
Phone:
(610) 391-6379(610) 391-6379
Catherine E. Symanek
First Vice President, Senior Risk Officer, Financial Planning Specialist
Phone:
(610) 391-6331(610) 391-6331
Heather Bennett
Assistant Vice President, Senior Market Administrator
Phone:
(610) 391-6308(610) 391-6308
About Isaiah Williams
Isaiah Williams is a Managing Director with Morgan Stanley and Market Executive serving branches across the Central and Eastern Pennsylvania Market.
Isaiah began his career in the financial services industry in 2005. Prior to his current role, Isaiah served as the Sub-Complex Manager, Associate Complex Manager, Complex Business Development Manager, as well as the Private Banker for the Central and Eastern PA Market. Prior to joining Morgan Stanley Wealth Management in 2013, he was a Private Banker for Merrill Lynch Wealth Management.
Isaiah holds a Bachelor of Science in Finance and Marketing from University at Albany, State University of New York, and a Master of Business Administration in Management.
He lives in Breinigsville, Pennsylvania, with his wife Julie, daughter Malani and 3 pugs and a Bullmastiff. Outside of the office, Isaiah has dedicated his time to Cohesion Network - supporting community relationships, empowerment and leadership development. He has also sits on the board of Big Brothers and Big Sisters. He enjoys traveling to the Caribbean, snowboarding and golf.
Isaiah began his career in the financial services industry in 2005. Prior to his current role, Isaiah served as the Sub-Complex Manager, Associate Complex Manager, Complex Business Development Manager, as well as the Private Banker for the Central and Eastern PA Market. Prior to joining Morgan Stanley Wealth Management in 2013, he was a Private Banker for Merrill Lynch Wealth Management.
Isaiah holds a Bachelor of Science in Finance and Marketing from University at Albany, State University of New York, and a Master of Business Administration in Management.
He lives in Breinigsville, Pennsylvania, with his wife Julie, daughter Malani and 3 pugs and a Bullmastiff. Outside of the office, Isaiah has dedicated his time to Cohesion Network - supporting community relationships, empowerment and leadership development. He has also sits on the board of Big Brothers and Big Sisters. He enjoys traveling to the Caribbean, snowboarding and golf.
About Dana C. Rosewag
Dana Rosewag is the Associate Market Manager for the Central Eastern Pennsylvania Market. She brings over 25 years of financial services experience having started as a Client Service Associate with Legg Mason in 1997 outside of Baltimore, MD. Since moving to Pennsylvania in 2008, she has been serving the Central Eastern Pennsylvania offices in various leadership positions. Throughout her career, she has focused primarily on management, helping Financial Advisors grow their practices, enhance their professional skills, and provide clients with the personalized service they expect and deserve.
A Maryland native, Dana graduated from Frostburg State University with a degree in Political Science. She is active in the community, serving on the board of the Polar Bear Foundation, an organization that provides financial support to the Northern York school district. Dana and her husband, Andy, enjoy kayaking, camping and other outdoor activities, especially when pursuing them with their two sons, Andrew and Charlie.
A Maryland native, Dana graduated from Frostburg State University with a degree in Political Science. She is active in the community, serving on the board of the Polar Bear Foundation, an organization that provides financial support to the Northern York school district. Dana and her husband, Andy, enjoy kayaking, camping and other outdoor activities, especially when pursuing them with their two sons, Andrew and Charlie.
About Jon Ruch
Jon Ruch is the Market Business Service Officer of the Central and Eastern PA Market. He has 7 years of experience as a Business Service Officer, including more than 3 years in the Northern New Jersey Market and 4 years in the 399 Park Ave Market in NYC. Prior to Morgan Stanley, he worked at Wells Fargo Advisors and Hennion & Walsh.
He is a graduate of Cornell University, where he was a member of the football team. He currently resides in Mountainside, NJ with his wife, Sara, and their two children, Hailey (4) and William (1). Outside of work, Jon enjoys spending time with his family and friends, fishing and watching football.
He is a graduate of Cornell University, where he was a member of the football team. He currently resides in Mountainside, NJ with his wife, Sara, and their two children, Hailey (4) and William (1). Outside of work, Jon enjoys spending time with his family and friends, fishing and watching football.
About Catherine E. Symanek
Catherine Symanek is the Senior Risk Officer in the Central and Eastern PA Market. She joined Legg Mason in 1999 as a Client Service Associate, since that time she has taken on roles as Registered CSA, Business Development Associate, Business Service Manager and since 2017 has been working as a Risk Officer.
Most recent role was covering the Private Wealth Advisors and their teams in the PWM Conshohocken Offices. She holds the Series 3, 31, 7, 9, 10, 66, PA Life and Health as well as the Financial Planning Specialist Designation.
In her spare time Catherine enjoys traveling, running, reading, skiing and spending time with her husband Jim, two boys Henry and AJ, and Boston Terrier Wally.
She likes a challenge, likes to be kept motivated and mostly loves helping people.
Most recent role was covering the Private Wealth Advisors and their teams in the PWM Conshohocken Offices. She holds the Series 3, 31, 7, 9, 10, 66, PA Life and Health as well as the Financial Planning Specialist Designation.
In her spare time Catherine enjoys traveling, running, reading, skiing and spending time with her husband Jim, two boys Henry and AJ, and Boston Terrier Wally.
She likes a challenge, likes to be kept motivated and mostly loves helping people.
About Heather Bennett
Heather Bennett is a seasoned professional with more than 25 years of experience in the financial industry. She currently serves as a Senior Market Administrator, bringing experience in operations, client service, and leadership to her role.
Heather began her career in 2000 at Legg Mason and went on to spend nine years as a Registered Client Service Associate before advancing into administrative leadership. Over the years, she has earned multiple FINRA licenses (Series 7, 66, 9, and 10) and continues to leverage her comprehensive industry knowledge to help support teams and clients with precision and care.
She holds dual bachelor’s degrees in Psychology and Criminal Justice from Penn State University, blending her understanding of people and processes into her professional approach.
Outside of work, Heather enjoys a full and active life with her husband, Justen, their two teenagers, Parker and Emersen, and their two beloved dogs—a corgi named Gary, and a chocolate lab named Jeff. She has a passion for travel, the beach, crafting, and always has a new home project underway.
Heather began her career in 2000 at Legg Mason and went on to spend nine years as a Registered Client Service Associate before advancing into administrative leadership. Over the years, she has earned multiple FINRA licenses (Series 7, 66, 9, and 10) and continues to leverage her comprehensive industry knowledge to help support teams and clients with precision and care.
She holds dual bachelor’s degrees in Psychology and Criminal Justice from Penn State University, blending her understanding of people and processes into her professional approach.
Outside of work, Heather enjoys a full and active life with her husband, Justen, their two teenagers, Parker and Emersen, and their two beloved dogs—a corgi named Gary, and a chocolate lab named Jeff. She has a passion for travel, the beach, crafting, and always has a new home project underway.
Interested in a Career at Morgan Stanley?
Financial Advisors
Morgan Stanley Wealth Management grants Financial Advisors access to global resources and capabilities that will take your business to the next level—and provide confidence to your clients.
Experienced Professionals
Leverage your talent, hone your skills and build a career at Morgan Stanley, where our goal is always to deliver first-class business in a first-class way.
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
Tony Gist
Private Banker
Jennifer Olson
PBG Market Manager
About Tony Gist
Tony Gist is a Private Banker and Vice President serving Morgan Stanley Wealth Management offices in Pennsylvania.
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.
Tony began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to joining the firm, he held various roles within the Retail Bank industry including Licensed Banker and Branch Manager.
Tony is a graduate of Fairmont State University, where he received a Bachelor of Science with a concentration in Criminal Justice, while also playing football for the Fairmont State Fighting Falcons. He and his family currently reside in York, Pennsylvania.
Outside of the office, he spends time with family whenever possible. He enjoys playing golf, skiing, fishing, watching sports, especially football, and listening to talented musicians across various genres.
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.
Tony began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to joining the firm, he held various roles within the Retail Bank industry including Licensed Banker and Branch Manager.
Tony is a graduate of Fairmont State University, where he received a Bachelor of Science with a concentration in Criminal Justice, while also playing football for the Fairmont State Fighting Falcons. He and his family currently reside in York, Pennsylvania.
Outside of the office, he spends time with family whenever possible. He enjoys playing golf, skiing, fishing, watching sports, especially football, and listening to talented musicians across various genres.
NMLS#: 786299
About Jennifer Olson
Jennifer Olson is a Private Banking Group (PBG) Market Manager serving Morgan Stanley’s Wealth Management offices in the Mid America Region.
Private Banking Group (PBG) Market Managers partner with Financial Advisors/ Private Wealth Advisors (collectively “Advisors”) to deliver specialized cash management and lending solutions, while strategically leading sales activity and deepening client engagement across Wealth Management markets to drive growth aligned with long-term business and client objectives.
Jennifer began her career in financial services in 1997 and joined Morgan Stanley in 2011. Prior to joining the firm, she was a Resident Manager in Wealth Management Banking at Merrill Lynch in Northbrook, Illinois. While at Merrill Lynch, Jennifer held various banking and lending roles at both the local and divisional levels.
Jennifer is a graduate of Bethel College, where she earned a Bachelor of Arts in Business Marketing, Management, and Finance with a minor in Psychology. She also earned a Master of Business Administration from Bethel University. She lives in White Bear Lake, Minnesota. Outside of the office, Jennifer enjoys exploring different parts of the world, as well as spending quality time with family and friends.
Private Banking Group (PBG) Market Managers partner with Financial Advisors/ Private Wealth Advisors (collectively “Advisors”) to deliver specialized cash management and lending solutions, while strategically leading sales activity and deepening client engagement across Wealth Management markets to drive growth aligned with long-term business and client objectives.
Jennifer began her career in financial services in 1997 and joined Morgan Stanley in 2011. Prior to joining the firm, she was a Resident Manager in Wealth Management Banking at Merrill Lynch in Northbrook, Illinois. While at Merrill Lynch, Jennifer held various banking and lending roles at both the local and divisional levels.
Jennifer is a graduate of Bethel College, where she earned a Bachelor of Arts in Business Marketing, Management, and Finance with a minor in Psychology. She also earned a Master of Business Administration from Bethel University. She lives in White Bear Lake, Minnesota. Outside of the office, Jennifer enjoys exploring different parts of the world, as well as spending quality time with family and friends.
NMLS#: 803580
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
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
Branch Address
214 Senate Ave
7th Fl
Camp Hill, PA 17011
US
Branch:
(717) 730-1800(717) 730-1800
Toll-Free:
(800) 237-1700(800) 237-1700
Branch Address
1350 Broadcasting Rd
Ste 100
Wyomissing, PA 19610
US
Branch:
(610) 478-4500(610) 478-4500
Toll-Free:
(800) 346-6001(800) 346-6001
Branch Address
419 Village Dr
Ste 1
Carlisle, PA 17015
US
Branch:
(717) 258-4363(717) 258-4363
Toll-Free:
(800) 348-1776(800) 348-1776
Branch Address
175 Pine St
Ste 100
Williamsport, PA 17701
US
Branch:
(570) 322-6141(570) 322-6141
Toll-Free:
(800) 542-8005(800) 542-8005
Branch Address
111 North Washington Ave
Ste 201
Scranton, PA 18503
US
Branch:
(570) 961-7700(570) 961-7700
Toll-Free:
(800) 733-7096(800) 733-7096
Branch Address
720 S Atherton St 1st
Floor
St. College, PA 16801
US
Branch:
(814) 861-1700(814) 861-1700
Toll-Free:
(800) 238-3666(800) 238-3666
Branch Address
701 Main St
Ste 501
Stroudsburg, PA 18360
US
Branch:
(570) 421-3100(570) 421-3100
Toll-Free:
(800) 445-2291(800) 445-2291
Details
We are located at the corner of Seventh and Main Streets, the tallest building in downtown Stroudsburg. Parking is on street metered or in municipal parking lots with kiosks between Seventh and Eighth Streets or behind Dunkelberger's.
Branch Address
101 Larry Holmes Dr
Suite 301
Easton, PA 18042
US
Branch:
(610) 515-1062(610) 515-1062
Toll-Free:
(800) 965-9110(800) 965-9110
Branch Address
1065 Highway 315
Suite 401
Wilkes Barre, PA 18702
US
Branch:
(570) 821-1800(570) 821-1800
Toll-Free:
(800) 342-2393(800) 342-2393
Branch Address
300 Granite Run Dr
Ste 300
Lancaster, PA 17601
US
Branch:
(717) 560-5900(717) 560-5900
Toll-Free:
(800) 873-0990(800) 873-0990
Branch Address
221 W Philadelphia St
Ste 301
York, PA 17401
US
Branch:
(717) 854-5553(717) 854-5553
Toll-Free:
(800) 343-5235(800) 343-5235
Allentown Branch
Find a Financial AdvisorBranch Address
515 West Hamilton St, 7th
Fl
Allentown, PA 18101
US
Branch:
(610) 395-7700(610) 395-7700
Toll-Free:
(800) 433-4200(800) 433-4200
Details
Community Parking is available on 6th & Walnut. Please bring the parking card in to be validated.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Tax laws are complex and are subject to change. 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. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Alternative 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6The returns on a portfolio consisting primarily of sustainable investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability 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.
7Morgan 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.
8Morgan 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.
9Tax laws are complex and are subject to change. 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. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10Morgan 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
11Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).
The investments and products listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments or products, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. The appropriateness of a particular investment or product will depend upon an investor's individual circumstances and objectives.
Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Tax laws are complex and are subject to change. 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. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Alternative 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6The returns on a portfolio consisting primarily of sustainable investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability 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.
7Morgan 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.
8Morgan 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.
9Tax laws are complex and are subject to change. 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. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10Morgan 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
11Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).
The investments and products listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments or products, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. The appropriateness of a particular investment or product will depend upon an investor's individual circumstances and objectives.
Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
Awards Disclosures | Morgan Stanley
CRC 4665150 (08/2025), 4763067 (9/2025)