Aubrey Wilson, ChFC®
Vice President, Financial Advisor
Phone:
(256) 712-3678(256) 712-3678
Aubrey Wilson, ChFC®
Vice President, Wealth Management,
Financial Advisor,
Senior Portfolio Manager
Direct:
(256) 712-3678(256) 712-3678
My Mission Statement
When you work with our team you are gaining access to a highly experienced wealth management team that is focused on you. We build unique service models crafted to meet the needs of each individual client and their family. Our process consist of attentive planning and customized investment strategies to help fulfill our client’s goals and purposes.
About Our Team
A common theme that describes and guides the purpose of our team is a desire to assist others. This is why we serve and put our clients first as well as assist those outside of a work setting. We take pride in our community and choose to give back in as many ways as possible. Some of the ways you’ll see our contributions include:
• Active roles in leadership of our churches.
• Mentorship and guidance for young members of our community.
• Involvement in youth sports.
• Support local programs to provide food and shelter for those in need
• Volunteer efforts to help support business development in our city.
• Volunteering financial and leadership support for cultural institutions in our
area that help create and celebrate visual and performing arts as well as
organizations that focus on enriching the lives of children though
experiential education.
These are some of the initiatives we support to help make our community a better place to live, work, and play and we are proud to share our energy and enthusiasm to make our community better. We encourage you to find your passion and do the same.
• Active roles in leadership of our churches.
• Mentorship and guidance for young members of our community.
• Involvement in youth sports.
• Support local programs to provide food and shelter for those in need
• Volunteer efforts to help support business development in our city.
• Volunteering financial and leadership support for cultural institutions in our
area that help create and celebrate visual and performing arts as well as
organizations that focus on enriching the lives of children though
experiential education.
These are some of the initiatives we support to help make our community a better place to live, work, and play and we are proud to share our energy and enthusiasm to make our community better. We encourage you to find your passion and do the same.
NMLS#: 1246129
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process: Focused On You
Our approach is centered around you. Working together, we first define what is most important to you. We then chart a clear, confident course to financial success which begins with an understanding of your values, priorities and aspirations.
1: Learn About You
We take the time to learn about our clients lives and experiences, their thoughts pertaining to their finances, and the role wealth plays in their lives and purposes.
4: Monitor Progress
A financial plan is an active effort. We always provide clients with access to our progress as often as our clients prefer through whatever channel they are most comfortable. This happens on a regular basis, on a scheduled established by our clients.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
2: Articulate Purpose, Opportunities, and Needs
Often it is helpful to identify objectives in ways that are specific and measurable. We work with our clients to identify these objectives and help formulate the corresponding financial obligation to fulfill them.
1. How much will it cost?
2. When will we have enough to accomplish the goal?
1. How much will it cost?
2. When will we have enough to accomplish the goal?
5: Review Achievements
As our purposes are fulfilled and our plans continue to develop, we will review our successes and establish new purposes, opportunities, and needs, restarting the process.
3: Plan and Establish Direction
Once our purposes are identified, we will formulate a formal plan with the timing and steps necessary to help achieve the desired results. We will also plan for the “what ifs?” when applicable.
Our Clients: Institutions
Our institutional clients desire a professional team of advisors, backed by the resources of a top global wealth management firm, to assist with treasury management, asset management, and to provide guidance for retirement plans.
Over the past 80 years, Morgan Stanley has provided organizations with tools and resources to respond to the challenges of an evolving world. We seek to provide access to a wide breadth of strategies that help address the specific financial challenges of your company, your executives and your employees.
Whether you are looking for corporate retirement or stock plan services for your organization or a corporate financial wellness program for your employees, we have strategies for you.
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
Over the past 80 years, Morgan Stanley has provided organizations with tools and resources to respond to the challenges of an evolving world. We seek to provide access to a wide breadth of strategies that help address the specific financial challenges of your company, your executives and your employees.
Whether you are looking for corporate retirement or stock plan services for your organization or a corporate financial wellness program for your employees, we have strategies for you.
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
Our Clients: Individuals & Families
For individuals and families we work with, these clients are often business owners, successful professionals, retirees or people with careers that are advancing. Often their time and expertise warrants a dedicated relationship to help them make decisions about their finances for both current and future needs.
While our clients have unique goals and circumstances, they have one thing in common: The desire to help simplify their finances and develop an integrated wealth strategy for now and the future.
We provide the knowledge and insights you need to succeed in today’s fast-paced world, so you may enjoy your wealth and leave the legacy you desire.
Our Entire Suite of Wealth Management ServicesWhile our clients have unique goals and circumstances, they have one thing in common: The desire to help simplify their finances and develop an integrated wealth strategy for now and the future.
We provide the knowledge and insights you need to succeed in today’s fast-paced world, so you may enjoy your wealth and leave the legacy you desire.
Morgan Stanley's Digital Offerings
We believe that digital technology plays a crucial role in how our clients communicate, consume, transact and travel. 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 clients.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity. They include:
- eAuthorizations, an enhanced way to authorize transactions with one click on MSO & the MS Mobile App.
- eDelivery, which reduces paper documents sent by mail and offers additional protect of your personal information
Learn More About MSO- eAuthorizations, an enhanced way to authorize transactions with one click on MSO & the MS Mobile App.
- eDelivery, which reduces paper documents sent by mail and offers additional protect of your personal information
Data Security
At Morgan Stanley, our highest priority is keeping your information protected. Morgan Stanley dedicates significant resources to protecting your assets and personal information.
- Continuous monitoring to help detect and prevent fraud.
- Routine testing of our systems and security protocols.
- Independent review by outside security firms.
Learn More About Our Online Security Measures- Continuous monitoring to help detect and prevent fraud.
- Routine testing of our systems and security protocols.
- Independent review by outside security firms.
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your MSO or MS Mobile App profile. Completing your financial picture with Total Wealth View gives our clients the benefit of more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
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 How We Mitigate Risk For Clients
Goals Planning System
Our Goals Planning System is built on Morgan Stanley's intellectual capital and capabilities, to provide our clients with comprehensive investing and planning solutions for their individual goals.
Learn More About GPS
Digital Vault
The Digital Vault allows clients and their families to build a central, shared document library where all documents are stored using encryption. In the event of catastrophe or serious illness, disability or death, the Digital Vault can immediately provide vital information to both your family and professional advisors.
Learn More About Digital Vault
Retirement Planning
Retirement Planning is a core component of wealth management. Certain steps should be taken to prepare for a wide range of future costs such as living expenses, travel costs, and education funding. We can assist clients with this planning by quantifying financial needs, creating an action plan, and tracking plan progress.
Retirement Spending
Spending and Budgeting
One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Spending and Budgeting Factsheet
Insurance Planning and Long-Term Care
The right insurance products protect assets, family, and legacy. We can have discussions about purchasing insurance to preserve client savings and manage the high costs that can occur at any point during retirement.
Long-Term Care Planning
Tax Management
Taxes are a crucial part of the planning conversation and can potentially represent a large outflow from a client’s portfolio each year. Morgan Stanley offers tax management strategies that can help us prepare a client to manage tax liabilities and preserve their wealth.
Tax Management Services Overview
Estate Planning Strategies
Well-constructed estate plans manage substantial tax and legal burdens, time delays in settlements, and in some cases, family conflicts. It is important to pre-emptively create and review an estate plan during major life events such as a marriage, divorce, or new births.
Estate Planning Q&A
Philanthropic Management
A holistic estate plan can help clients plan for the future by getting a better overall sense of their potential estate value. Advisors help clients by analyzing the impact of different strategies surrounding the ownership of assets, philanthropy, and the implementation of trusts.
Philanthropic Management Overviewquarterly perspectives on important topics within wealth management and our team
Our team is fortunate to have a culture built on open discourse of thought-provoking ideas and information. While our clients expect us to share our thoughts on the latest finance and market updates, we believe that the holistic wealth management experience includes discussing lifestyle and current events as well. To this point, the "Water Cooler" is our space to share quarterly news on what is being discussed in our office. We hope that your time spent here allows you to have these intriguing conversations as well.
The Water Cooler Q1 '24
Starting off the New Year with our 2024 market outlook, helpful tax information, and some tips to start fresh after the holidays.
Learn MoreThe Water Cooler Q4 '23
Entering the last stretch of the year we share our thoughts on the continuing market volatility, as well as resources on Fund Transfer Services and tips for mastering the art of small talk.
Learn MoreThe Water Cooler Q2 '23
Our Portfolio Manager, Brad Beasley, shares two interesting themes in equities and fixed income. Also included is information on Morgan Stanley Online Interested Parties and Third-Party Access.
Learn MoreThe Water Cooler Q1 '23
Kicking off the year by introducing new additions to the team and sharing our thoughts on the 2023 market outlook.
Learn MoreLocation
201 South Court St, 4th
Fl
Florence, AL 35630
US
Direct:
(256) 712-3678(256) 712-3678
Meet My Team
Bradley Beasley
Associate Vice President, Investment Consultant, Portfolio Manager Specialist
Phone:
(256) 712-3677(256) 712-3677
Agnes F. Williams
Sr. Registered Client Service Associate
Phone:
(256) 712-3679(256) 712-3679
About Aubrey Wilson
Aubrey began his investment career in 2014 after previously working within his family owned business and in business-to-business sales. He attended the University of Mississippi and the National Outdoor Leadership School (NOLS) in partnership with the University of Utah.
Aubrey is a Chartered Financial Consultant, ChFC ®. Currently, Aubrey serves as a member of the Florence Industrial Board, The Tennessee Valley Art Association Board of Directors and The Children’s Museum of the Shoals Board of Directors. In 2015 he was selected to participate in the Alabama Leadership Initiative, a symposium for Alabama’s emerging leaders under the age of 40.
Previously, he served as a founding Board member of the Tennessee Valley Art Association Foundation for Endowment, and as board member of Downtown Florence Unlimited and The Shoals Crisis Center. He lives in Florence with his wife Ann Taylor, and their two young sons.
NMLS#: 1246129
Aubrey is a Chartered Financial Consultant, ChFC ®. Currently, Aubrey serves as a member of the Florence Industrial Board, The Tennessee Valley Art Association Board of Directors and The Children’s Museum of the Shoals Board of Directors. In 2015 he was selected to participate in the Alabama Leadership Initiative, a symposium for Alabama’s emerging leaders under the age of 40.
Previously, he served as a founding Board member of the Tennessee Valley Art Association Foundation for Endowment, and as board member of Downtown Florence Unlimited and The Shoals Crisis Center. He lives in Florence with his wife Ann Taylor, and their two young sons.
NMLS#: 1246129
About Bradley Beasley
Bradley M Beasley
Investment Consultant
Portfolio Manager Specialist
Brad has been in Wealth Management since 1993 and has worked with Aubrey Wilson since 2014, focusing on investment strategy. He has degrees in Marketing and Finance from Cal State Hayward University. Brad is an investment consultant with over 25 years of experience. He and his wife Laura reside in Florence.
Investment Consultant
Portfolio Manager Specialist
Brad has been in Wealth Management since 1993 and has worked with Aubrey Wilson since 2014, focusing on investment strategy. He has degrees in Marketing and Finance from Cal State Hayward University. Brad is an investment consultant with over 25 years of experience. He and his wife Laura reside in Florence.
About Agnes F. Williams
Agnes is a Client Service Associate for Aubrey Wilson. She joined the team in 2021. She has been working in wealth management since 2018. Agnes moved from Hungary to Florence in 1999 to attend the University of North Alabama. She graduated with a Bachelor of Science in 2001 and obtained her MBA in 2008. She lived in several states in the Southeast between 2004 and 2014 before returning to Florence with her husband Gerald and their two children. Prior to her experience in wealth management, Agnes worked in the legal field as well as in the mortgage industry.
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
Brendan Borowsky
Planning Associate
About Brendan Borowsky
Brendan Borowsky 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 the 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. Brendan 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 Texas Christian University and received the Financial Planning Specialist® designation from the College for Financial Planning. Brendan is originally from White Plains, NY and currently resides in Alpharetta, GA.
He earned his undergraduate degree from Texas Christian University and received the Financial Planning Specialist® designation from the College for Financial Planning. Brendan is originally from White Plains, NY and currently resides in Alpharetta, GA.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When 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.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When 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.
Wealth Management
Global Investment Office
Portfolio Insights
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
Article Image
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
Article Image
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
Article Image
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
Article Image
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
Ready to start a conversation? Contact Aubrey Wilson today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 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
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan 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.
2Morgan 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.
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 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
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan 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)
