Nicholas Kavallieratos
Managing Director, Wealth Management, Financial Advisor, Executive Financial Services Director
Andrew Wilshinsky, CRPS®
Managing Director, Wealth Management,
Institutional Consulting Director,
Corporate Retirement Director,
Senior Investment Management Consultant,
Senior Portfolio Management Director
Direct:
(212) 643-5719(212) 643-5719
Toll-Free:
(800) 223-4565(800) 223-4565
Industry Award WinnerMy Mission Statement
As a wealth management professional, I believe clients are entitled to the best possible creativity, knowledge and diligence I can provide. You can’t just repeat an off-the-shelf formula – as Mark Twain said “history doesn’t repeat itself … at best it sometimes rhymes.” That means constantly looking for new ideas and solutions.
My Story
Andrew Wilshinsky is a Managing Director – Wealth Management, Institutional Consulting Director, and Corporate Retirement Director. He has been a senior partner with The Wilshinsky Group since his arrival at the firm in 1999. With over 33 years of institutional consulting experience, Andrew is responsible for the design, strategy, and implementation of all the group’s corporate retirement plans, both qualified and non-qualified.
Prior to joining the firm, Andrew was a partner at KAP planning, a boutique financial planning group within AXA. Andrew has appeared on Bloomberg Financial News network and spoken before many organizations, including the New York Society of CPAs. Andrew has been named to Forbes’ List as Best-in-State Wealth Advisor from 2018, through 2025 and his team has been named to Forbes’ List as Best-in-State Wealth Management Teams in 2024 and 2025.
For the past decade, Andrew and his family have been major donors and volunteers at the Good Shepard Episcopal Church in Milford, PA, where they play a vital role in organizing the community’s local Thanksgiving Dinner. Andrew also serves on the Board of the American Friends of Hebrew University and on the Board of Building Together, a nonprofit that fosters partnerships among Israelis and Palestinians who seek to build tangible projects together that increase trust and quality of life. Andrew graduated Cum Laude from Babson College.
2018-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024, 2025) Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
Prior to joining the firm, Andrew was a partner at KAP planning, a boutique financial planning group within AXA. Andrew has appeared on Bloomberg Financial News network and spoken before many organizations, including the New York Society of CPAs. Andrew has been named to Forbes’ List as Best-in-State Wealth Advisor from 2018, through 2025 and his team has been named to Forbes’ List as Best-in-State Wealth Management Teams in 2024 and 2025.
For the past decade, Andrew and his family have been major donors and volunteers at the Good Shepard Episcopal Church in Milford, PA, where they play a vital role in organizing the community’s local Thanksgiving Dinner. Andrew also serves on the Board of the American Friends of Hebrew University and on the Board of Building Together, a nonprofit that fosters partnerships among Israelis and Palestinians who seek to build tangible projects together that increase trust and quality of life. Andrew graduated Cum Laude from Babson College.
2018-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024, 2025) Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
Securities Agent: DE, AZ, MN, MD, WY, NJ, IA, DC, WI, TX, NY, NH, MO, IN, CA, WA, PA, OR, OH, NV, ID, GA, FL, CT, TN, SC, RI, PR, VA, UT, NM, ME, MA, CO, VT, NC, MT, MI, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 1265085
NMLS#: 1265085
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
I work with even the most complex financial portfolios. I’m also well versed in both family and business dynamics—important elements in many financial issues.
In addition, I have a deep understanding of market trends and the global economic landscape. I can give you objective, understandable advice, so you can invest with confidence.
In addition, I have a deep understanding of market trends and the global economic landscape. I can give you objective, understandable advice, so you can invest with confidence.
Step 1: Get to Know Each Other
In our first few conversations, I am going to take the time to discover what is important to you and your family, and understand your financial situation.
Step 2: Assess Your Finances
Together, we will then analyze your current financial positions, gather key data points and documents to develop a holistic view of your current financial standing.
Step 3: Develop Your Plan
Using the information we learned about you, we will develop a personalized financial plan using proprietary tools and insights from Morgan Stanley.
Step 4: Implement Your Financial Plan
Once we create your financial plan, we will help you implement tactics that can allow us to ensure we remain on track towards achieving your goals, including providing you access to Morgan Stanley's Digital Tools and establishing ongoing check-ins.
Step 5: Develop Ongoing Service
Our relationship won't end one your financial plan is put in action. As your financial advisor, I will schedule regular meetings to monitor your progress and apply a strict due diligence process to evaluate investment performance.
My Clients
In servicing client, I adhere steadfastly to Morgan Stanley Graystone Consulting’s dedicated approach that is predicated on deep discovery of client’s goals, values, preferences and intended outcomes, both personal and financial. I also lever my seventeen years of experience in investment advisory and twenty plus years in industry, mostly in executive leadership in the management consulting field.
My goal is to deliver to my clients the full breath of Morgan Stanley’s unapparelled research, investment platform and wealth management solutions.
My goal is to deliver to my clients the full breath of Morgan Stanley’s unapparelled research, investment platform and wealth management solutions.
Entrepreneurs
I have decades of experience helping successful entrepreneurs navigate changes in their business environments through market cycles and prepare for post-exit stewardship of their wealth. My intent is to ensure they seize opportunities for their companies and personal wealth and mitigate market risks.
Business Executives
I help business executives manage their cash flow during career transitions, plan for retirement, diversify concentrated stock positions, and prepare for wealth transfer to their families.
Nonprofits
As an investment advisor to nonprofit institutions I draw upon my extensive experience working with philanthropic families, foundations and endowments over the past 25 years. Having served of several nonprofit boards, I am well versed in mission-driven grant-making, mission-aligned investing, and best practices in nonprofit investment and financial governance.
Awards and Recognition
Named to Forbes’ List as Best-in-State Wealth Advisor:
• 2018
• 2019
• 2020
• 2021
• 2023
• 2024
• 2025
2018, 2019, 2020, 2021, 2023, 2024, 2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2021, 2023, 2024, 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
• 2019
• 2020
• 2021
• 2023
• 2024
• 2025
2018, 2019, 2020, 2021, 2023, 2024, 2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2021, 2023, 2024, 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
PLANADVISER Top 100 Retirement Plan Advisers:
• 2017
• 2018
• 2019
• 2020
• 2021
2017, 2018, 2019, 2020, 2021 PLANSPONSOR Top Retirement Advisors (fornerly referred to as Top 100 Reitrement Advisors)
Source: planadviser.com (Awarded May 2017-2021) Data compiled by ISS Media based on responses to PLANADVISER survey as of Jan/Feb of the year the award was given.
Learn More• 2018
• 2019
• 2020
• 2021
2017, 2018, 2019, 2020, 2021 PLANSPONSOR Top Retirement Advisors (fornerly referred to as Top 100 Reitrement Advisors)
Source: planadviser.com (Awarded May 2017-2021) Data compiled by ISS Media based on responses to PLANADVISER survey as of Jan/Feb of the year the award was given.
NAPA Top DC Advisor (Team Ranking):
• 2017
• 2018
• 2019
• 2020
• 2021
• 2022
• 2024
• 2025
2017, 2018, 2019, 2020, 2021, 2022 & 2024, 2025 NAPA's Top Retirement Plan Advisors Under 40 (Aces) (previously referred to as NAPA's Top Retirement Plan Advisors Under 40 (Young Guns))
Source: Source: napa-net.org (Awarded 2017, 2018, 2019, 2020, 2021, 2022, 2024, 2025) Data compiled by NAPA from Aug of the year prior to the award – Aug of the year the award was given.
• 2018
• 2019
• 2020
• 2021
• 2022
• 2024
• 2025
2017, 2018, 2019, 2020, 2021, 2022 & 2024, 2025 NAPA's Top Retirement Plan Advisors Under 40 (Aces) (previously referred to as NAPA's Top Retirement Plan Advisors Under 40 (Young Guns))
Source: Source: napa-net.org (Awarded 2017, 2018, 2019, 2020, 2021, 2022, 2024, 2025) Data compiled by NAPA from Aug of the year prior to the award – Aug of the year the award was given.
Top 400 Financial Advisor by the Financial Times
• 2015
• 2016
2015, 2016 Financial Times 400 Top Financial Advisors
Source: ft.com. Data compiled by the Financial Times based the following time periods:
Awarded 2015; data 9/30/13 - 9/30/14
Awarded 2016; data 9/30/13 - 9/30/15
Learn More• 2016
2015, 2016 Financial Times 400 Top Financial Advisors
Source: ft.com. Data compiled by the Financial Times based the following time periods:
Awarded 2015; data 9/30/13 - 9/30/14
Awarded 2016; data 9/30/13 - 9/30/15
Forbes Best-In-State Wealth Management Teams
In both 2024 and 2025, the Wilshinsky Group was recognized on the Forbes Best-In-State Wealth Management Teams ranking.
2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024, 2025) Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024, 2025) Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
Philanthropy Experience
Building Together
Andrew co-founded and serves on the Board of Building Together. Building Together is a nonprofit that fosters connections between Palestinians and Israelis who seek to build tangible projects that increase trust and quality of life. In the United States, Building Together brings together people of all different religious backgrounds to foster connection, teach dignity and support the organization's work in the Middle East.
Babson College Alumni Club of New York
As an Alum of Babson College, Andrew supports the Babson College Alumni Club of New York. Through his work, Andrew coordinated and plans high end events in New York City for Babson College alumni in the Tri-State Area.
American Friends of Hebrew University
Andrew serves on the Board of American Friends of Hebrew University, which is a national, nonprofit organization that strives to connect the passions of Americans to the Hebrew University of Jerusalem.
Location
1 Penn Plaza 43rd
Fl
New York, NY 10119
US
Direct:
(212) 643-5719(212) 643-5719
Toll-Free:
(800) 223-4565(800) 223-4565
Fax:
(212) 643-5841(212) 643-5841
111 North Washington Ave
Suite 201
Scranton, PA 18503
US
Direct:
(212) 643-5719(212) 643-5719
Awards and Recognition
Forbes Best-In-State Wealth Advisors
2018-2021, 2023-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2018-2021, 2023-2025). 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 Management Teams
2024-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
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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
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
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
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
Small Business Retirement Plans
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Andrew Wilshinsky today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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.
4Morgan 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.
5Alternative 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.
6Morgan 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.
7Morgan 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.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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.
4Morgan 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.
5Alternative 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.
6Morgan 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.
7Morgan 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.
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
CRC 4665150 (8/2025), 4763067 (9/2025)
