Morgan Stanley Private Wealth Management
Andrew Schultz
Managing Director, Private Wealth Management,
Private Wealth Advisor,
Senior Portfolio Management Director,
Alternative Investments Director,
Global Sports and Entertainment Director
Direct:
(305) 695-6116(305) 695-6116
My Mission Statement
At the Schultz Group, we act as an extended family to our clients and their families. We help them in every way we can, with their financial goals and otherwise.
Weclome
Andrew Schultz leads the Schultz Group at Morgan Stanley Private Wealth Management in Miami Beach, FL. For the past 32 years, the group’s mission has been to function as an extended family to their clients & their loved ones, understanding their goals & objectives.
Through a rigorous discovery process, Andrew asks what your ideal day looks like and your desires for the future. Andrew and his team strive to understand your needs, financially and otherwise, to help your ideal day become a reality.
Andrew Schultz joined Morgan Stanley in 1991. Since 2002, he has been a member of Morgan Stanley’s Chairman’s Club, which honors outstanding performance by Financial Advisors. In 2016, Andrew was listed by The Financial Times as a Top 400 Financial Advisor in 2013 and 2017. He has been named on the Barron's Top 1,000 Financial Advisors list from 2009-2013 and the Barron’s Top 1,200 Financial Advisors list from 2014-2025.
After graduating from the University of Florida with a degree in Economics, Andrew Schultz continued his professional education at the University of Pennsylvania’s Wharton School, completing the Senior Financial Advisor’s Program and Investment Consultant’s Program. Andrew and his wife Diana live with their two daughters in Miami Beach, Florida.
2014-2025 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2014-2024). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award. https://www.morganstanley.com/disclosures/awards-disclosure.html
2010-2012 Barron's Top 100 Financial Advisors (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2010-2012). Data compiled by Barron's based on 12-month period concluding in Dec of the year prior to the issuance of the award.
2009-2013 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2009-2013). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Mar 2017) Data compiled by the Financial Times based on time period from 9/30/14 - 9/30/16.
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Apr 2013) Data compiled by Financial Times based on data as of 12/31/12
Through a rigorous discovery process, Andrew asks what your ideal day looks like and your desires for the future. Andrew and his team strive to understand your needs, financially and otherwise, to help your ideal day become a reality.
Andrew Schultz joined Morgan Stanley in 1991. Since 2002, he has been a member of Morgan Stanley’s Chairman’s Club, which honors outstanding performance by Financial Advisors. In 2016, Andrew was listed by The Financial Times as a Top 400 Financial Advisor in 2013 and 2017. He has been named on the Barron's Top 1,000 Financial Advisors list from 2009-2013 and the Barron’s Top 1,200 Financial Advisors list from 2014-2025.
After graduating from the University of Florida with a degree in Economics, Andrew Schultz continued his professional education at the University of Pennsylvania’s Wharton School, completing the Senior Financial Advisor’s Program and Investment Consultant’s Program. Andrew and his wife Diana live with their two daughters in Miami Beach, Florida.
2014-2025 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2014-2024). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award. https://www.morganstanley.com/disclosures/awards-disclosure.html
2010-2012 Barron's Top 100 Financial Advisors (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2010-2012). Data compiled by Barron's based on 12-month period concluding in Dec of the year prior to the issuance of the award.
2009-2013 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2009-2013). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Mar 2017) Data compiled by the Financial Times based on time period from 9/30/14 - 9/30/16.
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Apr 2013) Data compiled by Financial Times based on data as of 12/31/12
Securities Agent: CA, CO, NY, NV, ME, TX, OH, NH, AZ, WA, VA, TN, MI, LA, SC, KS, IL, FL, DE, CT, AR, PA, OR, NC, MT, ID, NM, ND, MN, DC, AL, VT, UT, MA, MD, IN, SD, NJ, GA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 2133771
NMLS#: 2133771
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
About PWM
Founded in 1977, Private Wealth Management is the division of Morgan Stanley Wealth Management that is dedicated to serving the firm’s most affluent clients, including some of the world’s most accomplished entrepreneurs, executives and stewards of multigenerational wealth. Functioning as an exclusive investment boutique within a global financial firm, we deliver sophisticated solutions that leverage the intellectual capital and insight of Morgan Stanley’s substantial global resources. Drawing on a deep understanding of your financial life, our goal is to help you:
- Manage investments with an unwavering focus on your financial strategy and personal goals
- Create comprehensive, multigenerational wealth management plans based on your needs, challenges and the values that guide your life and legacy
- Simplify financial complexity to help you achieve clarity and control
Private Wealth Management Highlights
- Approximately 300 teams specialized in assisting individuals and families with $20MM+ in investable assets
- Over $1.2 trillion in AUM
- Comprising 26% of the Barron’s Top 100 Financial Advisors list for 2025
- Direct access to ultra high net worth experts in philanthropy, family dynamics, wealth transfer, lifestyle advisory and other areas of interest to ultra high net worth families
1 Morgan Stanley Wealth Management, September 2025
Source: Barron's (Awarded March 2025) This ranking was determined based on an evaluation process conducted by Barron's for the period Oct 2023-Sept 2024. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on an algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the assessment of Barron's and may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
Andrew Schultz has been consistently recognized as a leader in the industry by Barron's and the Financial Times since 2009.
Barron’s Top 1,500 Financial Advisors: 2009 - 2026
(Formerly referred to as Barron's Top 1,200 and Top 1,000 Financial Advisors: State-by-State)
Andrew Schultz has been recognized by Barron's as one of America's Top Financial Advisors from 2009 to 2026.
Source: Barrons.com (Awarded 2009-2026). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
View Andrew's Barron's ListingAndrew Schultz has been recognized by Barron's as one of America's Top Financial Advisors from 2009 to 2026.
Source: Barrons.com (Awarded 2009-2026). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
2024 Chairman's Club Community Leadership Award
In 2024, Andrew Schultz was recognized for his involvement with the Children's Diagnostic & Treatment Center, which serves over 11,000 children annually by providing medical care, case management, and educational support for those with special health care needs. Andrew remains committed to improving the lives of children and their families through this essential cause.
Watch: The Children's Diagnostic & Treatment Center
Broward Children's Diagnostic & Treatment Center
Andrew Schultz serves on the board of the Broward Children's Diagnostic and Treatment Center in Fort Lauderdale, Florida.
FIU Herbert Wertheim College of Medicine Dean's Advisory Council
Andrew Schultz serves on the Dean’s Advisory Council for Florida International University Herbert Wertheim College of Medicine.
Andrew's Advisory Council Link Here
University of Florida - Warrington College of Business
Andrew Schultz delivers lectures to his alma mater, University of Florida, on finance and wealth management.
UF Finance Professional Development Program
Andrew Schultz is a sponsor of the University of Florida Finance Professional Development Program.
University of Florida Alumni Association
Andrew Schultz graduated from University of Florida in 1989 and remains actively involved as an alumnus.
Andrew Schultz's Involvements
Broward Children's Diagnostic & Treatment Center
Andrew Schultz serves as a board member and hosts an annual charity wine auction and dinner benefiting the center.
FIU Herbert Wertheim College of Medicine Dean's Advisory Council
Andrew Schultz serves as a board member, contributing to strategic initiatives in community outreach, partnerships, and resource development.
Advisory Council Link Here
University of Florida - Warrington College of Business
Andrew Schultz delivers lectures to his alma mater, University of Florida, on finance and wealth management.
UF Finance Professional Development Program
Andrew Schultz is a sponsor of the University of Florida Finance Professional Development Program.
University of Florida Alumni Association
Andrew Schultz graduated from University of Florida in 1989.
Upcoming Firm Events
The Lessons in Leadership Virtual Event Series will continue throughout 2025.
Check back soon for details on upcoming events.
Client Service Team
Kemar Bennett - Assistant Vice President, Group Director
Phone:
(305) 695-6153(305) 695-6153
Email:Kemar.Benett@morganstanleypwm.com
Kemar began his career at Morgan Stanley in 2008, working in New York City. He has held various Accounting/Finance roles with the Firm, most recently spending 5 years supporting Wealth Management on the Product Control and CFO side of the business.
Kemar grew up in South Florida and returned home in the fall of 2019. He joined The Schultz Group shortly afterwards with the intention of applying his macro Private Wealth Management knowledge base to the client side of the business. He is a graduate of Florida International University with Bachelor degrees in both Economics and Finance. Kemar holds the Series 7 and Series 66.
Kemar grew up in South Florida and returned home in the fall of 2019. He joined The Schultz Group shortly afterwards with the intention of applying his macro Private Wealth Management knowledge base to the client side of the business. He is a graduate of Florida International University with Bachelor degrees in both Economics and Finance. Kemar holds the Series 7 and Series 66.
Peter Collazo - Vice President, Investment Consultant
Phone:
(305) 695-6127(305) 695-6127
Email:Peter.Collazo@morganstanleypwm.com
As an Investment Consultant with The Schultz Group at Morgan Stanley Private Wealth Management, Peter Collazo draws on 16 years of financial services experience to help high- and ultra-high-net-worth individuals and families translate complex markets into clear, thoughtful investment decisions.
Peter plays an integral role in developing and implementing customized investment strategies, with particular experience in fixed income, structured investments, and alternative investments. His approach combines detailed analysis with an understanding of each client’s objectives, income needs, tax considerations, risk tolerance, and broader financial circumstances. He is especially skilled at distilling complex investment concepts into practical guidance, helping clients understand not only what they own, but why they own it.
Working closely with Andrew Schultz and the broader Schultz Group, Peter contributes to portfolio strategy, investment research, manager and product due diligence, and the ongoing evaluation of opportunities across public and private markets. He brings intellectual curiosity, sound judgment, and highly disciplined attention to detail to every client relationship. Above all, Peter believes that informed clients make better decisions, and he is committed to providing the perspective and education necessary to navigate changing market conditions with confidence.
Peter earned his bachelor’s degree in interdisciplinary studies from Florida International University and holds the Series 7, 63, and 65 licenses. Outside the office, he is an avid student of history, with a particular interest in the First and Second World Wars.
Peter plays an integral role in developing and implementing customized investment strategies, with particular experience in fixed income, structured investments, and alternative investments. His approach combines detailed analysis with an understanding of each client’s objectives, income needs, tax considerations, risk tolerance, and broader financial circumstances. He is especially skilled at distilling complex investment concepts into practical guidance, helping clients understand not only what they own, but why they own it.
Working closely with Andrew Schultz and the broader Schultz Group, Peter contributes to portfolio strategy, investment research, manager and product due diligence, and the ongoing evaluation of opportunities across public and private markets. He brings intellectual curiosity, sound judgment, and highly disciplined attention to detail to every client relationship. Above all, Peter believes that informed clients make better decisions, and he is committed to providing the perspective and education necessary to navigate changing market conditions with confidence.
Peter earned his bachelor’s degree in interdisciplinary studies from Florida International University and holds the Series 7, 63, and 65 licenses. Outside the office, he is an avid student of history, with a particular interest in the First and Second World Wars.
Kasey Carlson - PWM Registered Client Service Associate
Phone:
(305) 695-6125(305) 695-6125
Email:Kasey.Carlson@morganstanleypwm.com
Kasey Carlson joined the Schultz group in January 2025, bringing a strong foundation in finance and a passion for helping others. Originally from the suburbs of Chicago, she earned dual degrees in Economics and Finance from The University of Alabama.
After graduation, Kasey moved to South Florida to begin her career in the financial services industry, where she has been dedicated to helping clients achieve their financial goals with personal care.
In her free time, Kasey enjoys staying active with outdoor activities, traveling, and spending quality time with family and friends.
Kasey holds both her Series 7 and her Series 66.
After graduation, Kasey moved to South Florida to begin her career in the financial services industry, where she has been dedicated to helping clients achieve their financial goals with personal care.
In her free time, Kasey enjoys staying active with outdoor activities, traveling, and spending quality time with family and friends.
Kasey holds both her Series 7 and her Series 66.
Angely Anuel - PWM Registered Client Service Associate
Phone:
(305) 695-6152(305) 695-6152
Email:Angely.Anuel@morganstanleypwm.com
Angely began her career in Human Resources before completing her master's in Behavioral Economics from Evidential University, which inspired her transition into financial services. Originally from North Carolina, she earned her Bachelor of Chemistry at the University of North Carolina Chapel Hill. She holds her Series 7 and Series 66 licenses. In her spare time, Angely enjoys yoga, Pilates, spending time outdoors with her dog, and exploring new restaurants.
Rylee Aden - PWM Client Service Associate
Phone:
(305) 695-6145(305) 695-6145
Email:Rylee.Aden@morganstanleypwm.com
Rylee Aden is a valued member of the Schultz Group, where she brings enthusiasm and dedication to serving clients nationwide. A native of Destin, Florida, Rylee earned a Bachelor of Arts in Business Administration with a minor in Wealth Management from the University of Florida. Her academic background and professional experience in wealth management have created a deep passion for finance and client service.
Rylee creates lasting client relationships through her commitment to personalized care and attention to detail. In her free time, she enjoys cooking, spending time with friends and family, and supporting the local Miami community.
Rylee creates lasting client relationships through her commitment to personalized care and attention to detail. In her free time, she enjoys cooking, spending time with friends and family, and supporting the local Miami community.
Vittoria van Blommestein - PWM Client Service Associate
Phone:
(305) 695-6150(305) 695-6150
Email:Vittoria.Van.Blommestein@morganstanleypwm.com
Vittoria van Blommestein returned to Miami after several years in Washington, D.C., where she supported senior leadership at a trade association. Vittoria brings to Morgan Stanley a strong foundation in operational management, strategic co-ordination, and client service. She earned her Bachelor of Arts in International Affairs with a double major in Peace Studies from The George Washington University. Vittoria blends her governmental affairs background with a strong focus on client engagement and organizational strategy.
In her free time, Vittoria enjoys staying active with her dog Romeo, traveling, and spending quality time with family and friends.
In her free time, Vittoria enjoys staying active with her dog Romeo, traveling, and spending quality time with family and friends.
Kiara Contaldi - PWM Client Service Associate
Phone:
(305) 695-6154(305) 695-6154
Email:Kiara.Contaldi@morganstanleypwm.com
Kiara Contaldi brings a detail-oriented approach and a strong commitment to client service at The Schultz Group. Originally from Italy, Kiara earned her Bachelor’s degree in International Business Management from Parthenope University of Naples, developing a global perspective and strong understanding of financial markets.
Fluent in English, Spanish, and Italian, and proficient in French, Kiara connects easily with a diverse client base and enjoys forming meaningful relationships.
Outside of work, Kiara enjoys traveling, museums, staying active, and spending time with family and friends.
Kiara holds the Series 7 and Series 63 licenses.
Fluent in English, Spanish, and Italian, and proficient in French, Kiara connects easily with a diverse client base and enjoys forming meaningful relationships.
Outside of work, Kiara enjoys traveling, museums, staying active, and spending time with family and friends.
Kiara holds the Series 7 and Series 63 licenses.
Marina Chen - PWM Client Service Associate
Phone:
(305) 695-6142(305) 695-6142
Email:Marina.Chen1@morganstanleypwm.com
Marina Chen joined the Schultz Group from Boston, Massachusetts, and contributes a driven and growth-oriented attitude, intentionality, and strong attention to detail to the team. Marina earned her bachelor’s degree at the University of Florida and served both the Finance and Wealth Management programs as a student leader.
Marina enjoys art, beach days, learning about psychology and fashion, beekeeping, community service, and embracing new experiences.
Marina enjoys art, beach days, learning about psychology and fashion, beekeeping, community service, and embracing new experiences.
Location
1691 Michigan Ave.
Suite 550
Miami Beach, FL 33139
US
Direct:
(305) 695-6116(305) 695-6116
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
Private Wealth Management Podcast
Bringing you engaging stories and key insights surrounding the complexities associated with significant wealth, including:
- Intergenerational Planning
- Philanthropic Giving
- Non-Traditional Assets
- Managing Family Wealth
Insights and Outcomes
Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
Managing Significant Wealth
- Investment Management
- Wealth Transfer & Philanthropy
- Cash Management & Lending
- Family Governance & Wealth Education
- Lifestyle Advisory
- Business Services
PWM Leadership Insights & Outcomes
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Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
Morgan 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.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products 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.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
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
Awards Disclosures | Morgan Stanley
Morgan 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.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products 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.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
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
Awards Disclosures | Morgan Stanley
CRC 4677197 (7/2025)
