Amit's Bio

Amit grew up watching his dad, a pulmonary physician, help others. He was most impressed by his father’s bedside manner and the way his dad cared for people, patiently explaining complex medical subjects and displaying kindness and compassion toward their families. That level of caring has carried over to how Amit conducts his own practice: providing his clients with a standard of care that is both old school and new, as it is complemented by Morgan Stanley’s advanced technology and global resources.

Amit and his partners manage approximately $508 million (as of September, 2023) in assets for physicians, business owners, professionals and retirees. He joined Morgan Stanley roughly 30 days after graduating from college in 2005. The following year he became a member of Morgan Stanley’s prestigious Pacesetters Club, a global recognition program for Financial Advisors who demonstrate the highest professional standards and first-class client service within their first five years. He later took on a branch manager role in Butler, PA for two years. That led to a promotion to branch manager of an office in Sewickley, an important branch in the region—and the country. From 2012-2022, he was honored as a “Five-Star Wealth Manager” by Pittsburgh Magazine, an award given to advisors who demonstrate excellence in their field. Developing strong relationships with his clients – communicating, educating and working with them to find solutions – is what he loves most about his work.

In addition to advising his clients, Amit currently serves on the management team of the Northern Ohio-Western Pennsylvania Market as the Branch Manager for the Sewickley office. In this role, he oversees more than 40 employees and $10.4 Billion (inclusive of non-custody assets as of January, 2022). On Wall Street publication has named him as one of the industry's top 100 branch managers in 2017 and one of the industry’s top 75 branch managers in 2018. In 2019 and 2022, Forbes named Amit as a “Next Gen Best In State Wealth Advisor” as one of the country’s top advisors under the age of 40 representing the future of the wealth management industry. In 2021, Amit was promoted from Senior Vice President to Executive Director due in part to numerous long-term accomplishments at Morgan Stanley. Finally, in 2022, Forbes named Amit to its 2022 list of “Best-In-State Wealth Advisors,” an accolade that reflects his commitment to his clients as well as his firm.

Although his roles are seemingly a 24-hour commitment, Amit makes sure to find time for his community and giving back. He and his wife Elizabeth have made altruism an important part of their lives. Indeed, it has turned into a passion: Amit regularly sits on multiple nonprofit boards and advocates for about a dozen other nonprofit organizations, including the Cystic Fibrosis Foundation, for which he and his family have raised more than $230,000.

Morgan Stanley’s National Diversity Council is another area where Amit has contributed for nearly five years. He recently served as one of its co-chairs- one of his greatest honors. Prior to being asked to chair the National Council, Amit had co-founded a local diversity council in Pittsburgh. He is dedicated to increasing awareness of how diversity and inclusion can spur innovation, improve client service and enhance financial performance.

He graduated from Hamilton College as Dean’s List student with a B.A. in Mathematics and a minor in Economics. He holds the Series 7, 9, 10, 31, 66, and Pennsylvania Life, Accident & Health Insurance Licenses. Amit has also earned the highly regarded Certified Financial Planner® and Certified Investment Manager Analyst® designations.

Amit, Elizabeth and their daughters, Annika and Ava reside in Fox Chapel, Pennsylvania. When not helping his clients, he enjoys spending time with his family, working out, golfing, playing paddle tennis and watching college lacrosse, which he played at Hamilton. He is a member of the Sewickley Heights Golf Club.

Amit credits his parents with giving him his drive and dedication. He is extremely grateful for the opportunity Morgan Stanley has given him; and joined the Firm in large part due to its commitment to client service. Like his father, he takes the most pride in caring for his family, clients and employees.

2012-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2024) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria, during the following periods:
2012 Award - 10/07/2011 - 04/19/2012
2013 Award - 10/07/2012 - 04/19/2013
2014 Award - 10/07/2013 - 04/19/2014
2015 Award - 10/07/2014 - 04/19/2015
2016 Award - 10/07/2015 - 04/19/2016
2017 Award - 09/27/2016 - 04/11/2017
2018 Award - 09/28/2017 - 04/17/2018
2019 Award - 09/17/2018 - 04/12/2019
2020 Award - 09/16/2019 - 04/10/2020
2021 Award - 09/07/2020 - 04/23/2021
2022 Award - 09/27/2021 - 03/25/2022
2023 Award - 09/12/2022 - 03/31/2023
2024 Award - 10/04/2023 - 03/29/2024


2019, 2022 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2019, 2022). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.

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.
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.

https://www.morganstanley.com/disclosures/awards-disclosure.html
Services Include
Securities Agent: OK, ID, HI, KS, VI, VT, OR, LA, WY, IA, ME, NH, MI, MN, MO, SD, IL, MD, PR, PA, SC, WV, WI, NE, VA, NJ, NY, NM, TN, UT, OH, CA, RI, CO, FL, DE, IN, DC, AZ, MA, MT, MS, KY, AL, AK, WA, TX, NV, ND, NC, GA, CT, AR; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1589603
CA Insurance License #: 0M46480
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

My Valued Clients

    Managing Wealth, Making a Difference
    My family wealth practice is built on the development of deep and enduring relationships and the delivery of comprehensive wealth management services.

    I work with a broad range of clients who value and respect the advice and guidance I carefully craft to help them achieve their personal and professional goals.

    These goals often involve life-changing events, such as:

    • Starting a family
    • A new job or career change
    • Planning for and enjoying retirement
    • Relocating from another city or state
    • The sale of a business
    • A divorce or loss of a spouse
    • A large inheritance

    I also help my clients:

    • Minimize taxes
    • Optimize investment performance
    • Manage risk and provide family protection
    • Finance a major acquisition
    • Achieve long-term philanthropic goals
    • Pass wealth to the next generation effectively
    My Clients Include:
    • Successful individuals and multiple generations of families

    • Professionals in the healthcare, legal, technology and financial fields

    • Business owners and entrepreneurs

    • Women seeking guidance for themselves and their families

    • Individuals faced with a major life event, such as a divorce, loss of a spouse or an inheritance

    • Referrals from existing clients and industry professionals

    While each client has unique goals and circumstances, they all have one thing in common: The desire to simplify their financial lives and develop an integrated strategy to help preserve and grow their wealth.

Awards and Experiences

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    Forbes Best-In-State Wealth Advisors 2023 & 2024
    Forbes’ Best-in-State Wealth Advisors list comprises a select group of individuals who have a minimum of seven years of industry experience. The ranking, developed by Forbes’ partner SHOOK Research, is based on an algorithm of qualitative and quantitative data, rating thousands of wealth advisors and weighing factors like revenue trends, AUM, compliance records, industry experience and best practices learned through telephone and in-person interviews.

    2023 & 2024 Forbes Best-In- State Wealth Advisors
    Source: Forbes.com (Awarded 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
    Forbes Best-In-State Wealth Advisors List
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    Forbes Best-In-State Next-Gen Wealth Advisors 2019 & 2022
    The Country's top next-gen advisors represent the future of the wealth management industry.

    Forbes Top Next-Gen Wealth Advisors
    Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
    Forbes Top Next-Gen Wealth Advisors
    Source: Forbes.com (Awarded August 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21 - 3/31/22.
    Forbes Best-In-State Next-Gen Wealth Advisors List
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    Pittsburgh Magazine Five Star Wealth Manager 2012-2024
    To receive the Five Star Wealth Manager award, a wealth manager must satisfy 10 objective eligibility and evaluation criteria that are associated with wealth managers who provide quality services to their clients. Factors taken into account include assets under management and client retention rate. Candidates also undergo a thorough regulatory and complaint review.

    2012-2024 Five Star Wealth Manager Award
    Source: fivestarprofessional.com (Awarded 2012-2024) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria, during the following periods:
    2012 Award - 10/07/2011 - 04/19/2012
    2013 Award - 10/07/2012 - 04/19/2013
    2014 Award - 10/07/2013 - 04/19/2014
    2015 Award - 10/07/2014 - 04/19/2015
    2016 Award - 10/07/2015 - 04/19/2016
    2017 Award - 09/27/2016 - 04/11/2017
    2018 Award - 09/28/2017 - 04/17/2018
    2019 Award - 09/17/2018 - 04/12/2019
    2020 Award - 09/16/2019 - 04/10/2020
    2021 Award - 09/07/2020 - 04/23/2021
    2022 Award - 09/27/2021 - 03/25/2022
    2023 Award - 09/12/2022 - 03/31/2023
    2024 Award - 10/04/2023 - 03/29/2024
    https://www.morganstanley.com/disclosures/awards-disclosure.html
    Pittsburgh Magazine Five Star Wealth Manager List
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    On Wall Street Top 100 Branch Managers 2017
    In an industry beset by regulatory and technological upheaval, branch managers have their work cut out for them. Yet like elite coaches of winning teams, the best managers continue to perform, recruiting top talent in the industry and grooming their advisers to excel. To recognize their contributions to the success of advisers and firms, On Wall Street annually highlights the industry's top 100 branch managers.
    On Wall Street Top Branch Managers List
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    On Wall Street Top 75 Branch Managers 2018
    To recognize their contributions to the success of advisors and firms, On Wall Street annually highlights the industry's top branch managers. This year's list was derived from nominations received from the field.
    On Wall Street Top Branch Managers List
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    Morgan Stanley Pacesetter's Club
    A global recognition program for Financial Advisors who demonstrate the highest professional standards and first-class client service within their first five years.
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    CIMA®- Certified Investment Management Analyst
    The CIMA certification program covers five core topic areas and requires that candidates meet all eligibility requirements, including experience, education, examination, and ethics. Applicants must complete five steps in order to earn the certification. The CIMA certification program also requires that certificants complete three certification renewal requirements during each certification renewal period. Those who earn the certification must agree to meet ongoing continuing education requirements and adhere to Investments and Wealth Institute’s Code of Professional Responsibility and Standards of Practice.
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    CFP®- Certified Financial Planner
    The CFP® designation identifies those individuals who have met the experience and ethical requirements, have successfully completed financial planning coursework and have passed the CFP® Certification Examination. CFP® certificants must also agree to meet ongoing continuing education requirements and to uphold the Certified Planner Board of Standards Inc.’s Code of Ethics and Professional Responsibility and Financial Planning Practice Standards.
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    Community Involvment
    Mr. Amit Grover currently serves on the Board of Trustees for Girls Hope. In 2019, he completed his term as a member of the Board of Directors for Pittsburgh Urban Magnet Project and his term as Co-Chair of the National Diversity Council for Morgan Stanley. Furthermore, in 2020 he completed his term as a member of the Board of Trustees for Shady Side Academy. Mr. Grover is a significant contributor to the Cystic Fibrosis Foundation, in honor of his nephew Kiran who suffers from the disease, and has helped raise over $200,000 for the foundation since 2016.

Investor Resources

Timely market commentary, thought leadership and portfolio ideas to help guide your investment decisions.
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    A Man With A Mission
    Financial Advisor Amit Grover, a young producing branch manager, finds time to fundraise for causes close to his heart.
    A Man With A Mission
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    2017 Multicultural Leadership Summit
    Watch Amit Grover present at the 2017 Multicultural Leadership Summit.
    2017 Multicultural Leadership Summit
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    GIC On the Markets
    The latest edition of “On the Markets,” a monthly collection of the most timely research and strategy from Morgan Stanley & Co., Morgan Stanley Wealth Management and external partners.
    GIC On the Markets
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    GIC Weekly Research Report
    The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
    GIC Weekly Research Report
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    Morgan Stanley Ideas Podcast
    The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond. Click the link below for more information and to access a library of interesting content.
    Morgan Stanley Ideas Podcast
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    Thoughts on the Market Podcast
    With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
    Thoughts on the Market Podcast

Digital Tools & Security

Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our institutional and household clients.
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    Online Security Center
    At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
    Learn More About Online Security Center
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    Morgan Stanley Online
    Seamlessly and securely manage your investments and everyday finances in one place with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
    Learn More About MSO
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    Shareworks by Morgan Stanley
    Helping companies engage and attract top talent, simplify equity plan management, provide confident disclosures and comply with certainty
    Learn More About Shareworks
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    Digital Vault
    Digital Vault lets you easily manage and share your important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings. All files are scanned for viruses and malware and are encrypted while transferred and stored. Access is limited to you and anyone you designate.
    Learn More About Digital Vault
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    Total Wealth View
    Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
    Learn More About Total Wealth View
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    Goals-Based Planning
    Your wealth strategy doesn't just consider your investment objectives. Rather, it is tailored to address the personal life goals you've identified and prioritized. Using our suite of tools we can create your personal roadmap to help achieve and protect your goals.
    Learn More About GPS
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    Portfolio Risk Platform – Powered by Aladdin
    Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
    Learn More About Portfolio Risk Platform
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    eDelivery
    eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDlivery to securely save, print, send, and receive documents at any time.
    Sign Up For eDelivery

Client Service Team

    Carousel Associate Image
    Joan McKee - Senior Registered Client Service Associate
    Phone:
    (724) 933-1467(724) 933-1467
    Email:joan.mckee@ms.com
    Joan McKee is a Senior Registered Client Service Associate at Morgan Stanley. With over 35 years of experience in the financial services industry, her primary responsibilities include all day to day operational and administrative functions in order to meet client needs.

    She is a graduate of Slippery Rock University with a degree in Marketing/Finance, and is Series 7 & 66- Health Life and Annuities licensed. After college Joan moved to Baltimore and became immediately interested in the brokerage business after her placement with Alex Brown & Sons - the oldest investment banking firm in the US - at the time. She stepped away for 4 years to work with T Rowe Price - fixed income trading desk, and then returned to Alex Brown International/Institutional trading desk before joining Morgan Stanley.

    Joan currently resides in Gibsonia, PA and is passionate about spending time with her two children and loves animals and the outdoors. She places a strong emphasis on family, and takes pride in caring for her clients and their families as though they were part of his own- with respect, accuracy of answers and in a very timely manner.

WORKPLACE FINANCIAL BENEFITS WITH MORGAN STANLEY AT WORK

Our mission is to help your company elevate your workplace financial benefits—helping you to attract and retain top talent. Our end-to-end solutions support your company and employees at any stage of growth through a powerful combination of modern technology, insightful guidance, and dedicated service.

    Equity Solutions

    Equity ownership is a powerful motivator. Streamline equity management through our leading-edge technology and provide global audit-ready reporting and insights, alongside customizable participant experiences to engage and educate your employees on how to make the most of their benefits. Our global solutions support private and public companies at any stage of growth.

    • Equity Administration and Financial Reporting
    • Liquidity Events
    • 409A Valuation Services and Cap Table Management

    Learn more
    Retirement

    For your employees, retirement is more than a date in the future—it's a milestone that takes time, hard work, and the right tools. Through our consultative process, we strive to assist with the management of your fiduciary responsibilities and risk, simplify plan management, and help you improve retirement readiness for your employees.

    • Defined Contribution Consulting
    • Solutions-Oriented Plans
    • Fiduciary Investment Oversight

    Learn more
    Deferred Compensation

    Access a range of Nonqualified Deferred Compensation plan services or pick the ones that best fit your needs. We provide recordkeeping and plan design, portfolio construction services, and plan education for your executive talent. We help you determine the appropriate plan design and inform a funding strategy through a needs-based assessment and consultative approach.

    Services include:

    • Recordkeeping and Plan Design
    • Portfolio Construction
    • Wealth Management Services
    Learn more
    Executive Services

    Our dedicated team provides concierge-level support for your executives' equity compensation plans, from 10b5-1 trading plans to form filing related to Rule 144 transactions, to access to wealth management and tax-optimization strategies, so helping them navigate their complex financial needs with greater confidence and certainty:

    • Equity Compensation Services
    • Equity Award Analysis
    • Specialized Solutions
    Learn more
    Saving and Giving

    Saving and Giving benefits can make a real difference in your employees' lives as they can support the things that matter most to them—like saving for education and repaying student loans. Show that you are committed to your employees' priorities with leading-edge solutions that help them chart a path toward financial well-being.

    • College Savings
    • Student Loan Repayment and Refinancing
    • Charitable Giving
    Learn more
    Financial Wellness

    We offer Financial Wellness with every solution we provide. Through a powerful combination of education, digital tools and guidance, Financial Wellness is designed to address the unique needs of your employees and empower their financial journey at every stage. Give your employees the confidence to take charge of their finances.

    • Financial Education
    • Digital Tools
    • Financial Guidance

    Learn more

Location

2100 Georgetown Dr
Ste 500
Sewickley, PA 15143
US
Direct:
(724) 933-1560(724) 933-1560
Fax:
(866) 660-5328(866) 660-5328

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 Tyson Abert

Tyson R. Abert is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Wisconsin, Northern Ohio and Western Pennsylvania.

Senior 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.

Tyson began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Development Manager and a Senior Relationship Manager at Wells Fargo’s Commercial Banking Services.

Tyson is a graduate of Illinois State University where he received a Bachelor of Science degree in Finance and Accounting, and Lake Forest Graduate School of Management where he received a Master of Business Administration. He and his family currently reside right outside Milwaukee, Wisconsin. Outside of the office, Tyson enjoys golfing, hunting, boating, fishing, and spending time with his family.
NMLS#: 362127

About Joshua Gilbert

Joshua Gilbert is a Private Banker serving Morgan Stanley’s Wealth Management offices in Ohio.

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.

Joshua began his career in financial services in 2001 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Banking Client Manager at U.S. Bank. He also held numerous roles with progressive responsibilities at JPMorgan Chase Bank, where he notably served as a Branch Manager.

Joshua currently resides in Cincinnati, Ohio. Outside of the office, Joshua dedicates his time to various civic organizations focused on fostering the well-being of others, such as Lighthouse Youth & Family Services, and the Freestore Foodbank. In his spare time, Joshua enjoys traveling, hiking, skiing, and staying healthy and active.
NMLS#: 427087

About Thomas O'Brien

Thomas O’Brien is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Thomas provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.

He earned his undergraduate degree from Binghamton University and received the Financial Planning Specialist® designation from the College for Financial Planning. Thomas is originally from Lynbrook, NY and currently resides in Lynbrook, NY.
Wealth Management
From My Desk

Financial Planning for Life After Selling a Business


Wealth Management
Global Investment Office

Portfolio Insights

This is a video content

Equity Compensation

Helping you make the most of your equity awards and better understand how it may fit into your your larger financial picture – today and tomorrow.

  • Vesting events
  • Option expirations
  • Restricted stock units
  • Tax implications

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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A Simple Six-Step Retirement Checkup

Checking in on your retirement plan may make a lot of sense, especially when market volatility arises.

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
The Robots are Coming
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The Robots are Coming

Adam Jonas, Morgan Stanley?s Head of Global Autos and Shared Mobility Research, discusses the fast transition of artificial intelligence into the physical world in the form of humanoid robots.

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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529 Plans: A Powerful Tool to Save for Education

Though education costs continue to climb, starting to save and invest early can make a difference.

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
  • Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

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
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Donor Advised Funds: A Smart Way to Manage Your Giving�

There?s more to charitable giving than you may realize. Here?s one method that may be a tax-efficient way to give and can help maximize your impact.

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.
The Business Case for a Financially Resilient Workforce
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The Business Case for a Financially Resilient Workforce

In the face of turbulent markets, the word “resilience” may be top of mind. Broadly speaking, resilience is the ability to “bounce back” when encountering life’s inevitable challenges.
Ready to start a conversation? Contact Amit S. Grover today.
Market Information Delayed 20 Minutes
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

1Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.

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2Alternative 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.

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3Morgan 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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4Morgan 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

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5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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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.

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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.

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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.

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9Morgan 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.

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10An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.

Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.

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11When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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12Morgan 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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13Morgan 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.

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14Products 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.

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15When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.

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16Physical precious metals are non-regulated products. Precious metals are speculative investments, which may experience short-term and long-term price volatility. The value of precious metals investments may fluctuate and may appreciate or decline, depending on market conditions. If sold in a declining market, the price you receive may be less than your original investment. Unlike bonds and stocks, precious metals do not make interest or dividend payments. Therefore, precious metals may not be appropriate for investors who require current income. Precious metals are commodities that should be safely stored, which may impose additional costs on the investor. The Securities Investor Protection Corporation (“SIPC”) provides certain protection for customers’ cash and securities in the event of a brokerage firm’s bankruptcy, other financial difficulties, or if customers’ assets are missing. SIPC protection does not apply to precious metals or other commodities.

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17Morgan 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.

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18Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.

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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:
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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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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
CRC 6491812 (04/2024)