Aziz Ihani
Senior Vice President, Financial Advisor, Senior Portfolio Management Director
Phone:
(949) 365-5346(949) 365-5346
Aziz A Ihani
Executive Director,
Financial Advisor,
Senior Portfolio Management Director
Direct:
(949) 365-5346(949) 365-5346
Toll-Free:
(800) 965-2576(800) 965-2576
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Welcome
Aziz Ihani brings over 20 years of experience in investment management and wealth planning, serving high-net-worth families, corporations, and foundations. He has developed a strong track record working with physician practices and medical groups, with a deep understanding of their financial needs and other complexities involved in managing a medical practice. He has partnered with many medical practices for setup and ongoing management of their Defined Benefit & Defined Contribution Retirement Plans.
Aziz is committed to building long-term relationships grounded in trust and mutual respect. He takes a comprehensive, macro-level view of client portfolios, implementing effective risk mitigation strategies to help clients meet their financial goals. His diverse professional background has equipped him with a deep understanding of international markets and global economies, allowing him to navigate the complexities of today’s interconnected world with confidence and insight.
Before joining Morgan Stanley, Aziz held senior-level positions at Deloitte Consulting and Citibank. Aziz earned an MBA from University of Southern California, Los Angeles and a BS in Electrical Engineering from India.
Outside of his professional life, Aziz treasures time with his loving wife, Shirin, and their two wonderful sons. A passionate tennis enthusiast, he can often be found on the court or enjoying California’s natural beauty through hiking and nature walks.
Aziz is committed to building long-term relationships grounded in trust and mutual respect. He takes a comprehensive, macro-level view of client portfolios, implementing effective risk mitigation strategies to help clients meet their financial goals. His diverse professional background has equipped him with a deep understanding of international markets and global economies, allowing him to navigate the complexities of today’s interconnected world with confidence and insight.
Before joining Morgan Stanley, Aziz held senior-level positions at Deloitte Consulting and Citibank. Aziz earned an MBA from University of Southern California, Los Angeles and a BS in Electrical Engineering from India.
Outside of his professional life, Aziz treasures time with his loving wife, Shirin, and their two wonderful sons. A passionate tennis enthusiast, he can often be found on the court or enjoying California’s natural beauty through hiking and nature walks.
Securities Agent: AZ, KS, IL, CA, VA, MA, CO, IN, NJ, DC, CT, WA, TX, OK, NY, AL, WI, PA, OH, NC, KY, MI, GA, FL, MO, MD, NV, TN, DE; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1275582
CA Insurance License #: 0E41927
NMLS#: 1275582
CA Insurance License #: 0E41927
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
Our team works with successful medical practitioners, high level executives, and VC/PE partners who all have different financial and personal needs with challenging time restrictions. We work to preserve and increase your financial and personal capital to pave the way for future generations and business endeavors.
Doctors
MDs are the heart of our practice, and we have decades of experience dealing with the unique challenges of running a medical practice. In the wake of the COVID-19 pandemic, many doctors are facing a new financial reality. During this time, a second opinion could prove to be invaluable. Click the link below to start the conversation.
Entrepreneurs
With many years of experience working with privately-owned company founders and entrepreneurs, we can assist with the unique and difficult issues that come with establishing a business and large liquidity events. As important stages of your professional and personal lives develop, you can rely on us to provide resources and advice.
Read more here
Pre-IPO Planning
While you work on the numerous demands of taking a company public, we help and support you take the right steps to achieve maximum potential and manage taxes efficiently. These steps include: Qualified Small Business Stock discussions, wealth transfer strategies, and option exercise analysis.
Life Stages of a Successful Entrepreneur
We help you make informed decisions at critical junctures and life stages during the evolution of your professional and personal life.
Our Future
It is no secret that our economy and our world are evolving at a rapid pace, and with that, we must be cognizant of the changes taking place in how we invest. Take a look at these futuristic sectors and click on the links to learn more.
Artificial Intelligence and Robotics
Technology seems to be getting smarter by the minute, and artificial intelligence is on the verge of becoming a more common presence in our everyday lives. Learn about why MedTech’s adoption of artificial intelligence could deliver increased productivity, lower costs and improved patient outcomes in the coming years.
Click here to learn more
Autonomous, Shared Mobility, and Electric Vehicles
In a new BluePaper, Morgan Stanley Research says autonomous urban aircraft may no longer be the stuff of comic books. Accelerating tech advances and investment could create a $1.5 trillion market by 2040.
Click here to learn more
Blockchain and Cryptocurrency
The growing popularity of cryptocurrency has created a new wrinkle for investors—how to balance its potential upside against its inherent environmental and social impacts. A look at both sides of the issue.
Click here to learn more
The Future of Agriculture
Learn why feeding the world's growing population will prove ever more difficult; but innovative solutions with investment potential could be ahead.
Click here to learn more
Space and Quantum Communication
The space economy will require a self-sufficient ecosystem that includes capital, strategic partnerships and evolving business models. Here’s how it may develop in the coming years.
Click here to learn more
ESG Investing
Those who want their investing to properly reflect their values may consider implementing ESG-conscious strategies into their financial plan, which can be mindful of a variety of social causes and sectors.
Click here to learn more
Cybersecurity
In a world that is now more virtual than ever, cybersecurity is of the utmost importance. Maintaining safe practices online requires a multifaceted and well-informed approach - something that can be grasped by learning to be more careful and astute in your digital practices.
Click here to learn more
Healthcare
Healthcare has been on our minds more than ever as of recent, and it is clear that there is a huge economy behind this massive industry, ranging from pharmaceuticals to research and much more. The future of medicine has the potential to shape our economy and the ways in which we live.
Click here to learn more
Thoughts on the Market Podcast
Mike Wilson's Thoughts on the Market is one of Morgan Stanley's most popular podcasts. Join Mike Wilson as he dives into the market, explaining complex topics in a concise, easy-to-understand way.
Click here to learn moreOur Disciplined Process
Following a highly disciplined process, we will help you create, implement and maintain a comprehensive wealth management plan designed to reach your most important personal, professional and philanthropic goals.
Discovery Meeting
We begin by learning about your history, your family, your values, concerns and aspirations. This discovery process enables us to develop an appropriate plan designed to help grow, preserve and transfer your wealth.
Develop Your Strategy
From this ongoing dialogue, we’ll analyze your current situation and begin to develop specific strategies to help achieve your goals. Your customized plan will also include an asset allocation strategy designed to help achieve your financial goals in light of your risk tolerance and investment time horizon.
Implement Your Strategy
Once you’ve approved your plan, we begin to execute each strategy, working closely with you to help ensure each of the various elements of your plan effectively integrate with one another. We closely monitor your strategy to make sure it stays current with your goals as your family and professional life evolves.
Review Your Performance
You will receive a quarterly review that outlines your portfolio’s performance, helping track your progress. What’s more, when your personal situation or market conditions change significantly, we will suggest appropriate adjustments to help your portfolio remain aligned with your goals.
Ongoing Service and Care
Committed to first-class service, we focus on developing enduring relationships that provide special value to you and your family. We are committed to delivering concierge service that emphasizes personalized attention and ongoing communication throughout the year.
Start The Conversation
Let's discuss your goals and objectives. Schedule a meeting with us below!
Schedule A MeetingLocation
28202 Cabot Rd
Ste 500
Laguna Niguel, CA 92677
US
Direct:
(949) 365-5346(949) 365-5346
Toll-Free:
(800) 965-2576(800) 965-2576
Fax:
(949) 365-5398(949) 365-5398
Meet My Team
Lilla Zhu
Vice President, Portfolio Management Associate Director
Phone:
(949) 365-5334(949) 365-5334
Paul Chung
Registered Associate
Phone:
(949) 365-5328(949) 365-5328
About Aziz Ihani
Aziz possesses a strong background in financial analysis and risk management. He spent seven years at Deloitte & Touche in their Financial Services industry practice in Los Angeles at senior-level positions. Prior to that, he worked in the Global Risk Management Group at Citibank in Los Angeles and New York. Aziz has a particular interest in international affairs and is a member of the World Affairs Council of Los Angeles. He has extensive knowledge of international markets and economies and how they interrelate in today’s increased globalization.
He reviews client portfolio risks at a macro level and recommends risk mitigation strategies. In relation to overall wealth management, Aziz is firmly committed to long-term relationships and strives to deliver exceptional, in-depth client service. He seeks to devise customized investment strategies for high-net worth clients with an eye toward prudent risk management and asset preservation.
Aziz earned a Master’s of Business Administration in Finance at the University of Southern California, Los Angeles (USC).
He reviews client portfolio risks at a macro level and recommends risk mitigation strategies. In relation to overall wealth management, Aziz is firmly committed to long-term relationships and strives to deliver exceptional, in-depth client service. He seeks to devise customized investment strategies for high-net worth clients with an eye toward prudent risk management and asset preservation.
Aziz earned a Master’s of Business Administration in Finance at the University of Southern California, Los Angeles (USC).
Securities Agent: AZ, KS, IL, CA, VA, MA, CO, IN, NJ, DC, CT, WA, TX, OK, NY, AL, WI, PA, OH, NC, KY, MI, GA, FL, MO, MD, NV, TN, DE; General Securities Representative; Investment Advisor Representative; Managed Futures
About Lilla Zhu
Lilla Zhu is an Assistant Vice President and Portfolio Management Associate with the team. She brings in over 15 years of experience in the investment management arena working on various aspects of portfolio analysis and design. Over the span of her career, she has worked with private wealth / ultra-high net worth clients as well as institutional clients including pension funds and endowments.
Lilla graduated from the Stern School of Business at NYU with a major in Finance and minor in international politics. She is also a Chartered Alternative Investment Analyst and Certified Investment Management Analyst. She is fluent in both English and Mandarin.
Lilla spends her time outside of the office with her husband and toddler son and they love hiking the many trails in Orange County, picnicking in the parks, and enjoying the waves and the beaches.
Lilla graduated from the Stern School of Business at NYU with a major in Finance and minor in international politics. She is also a Chartered Alternative Investment Analyst and Certified Investment Management Analyst. She is fluent in both English and Mandarin.
Lilla spends her time outside of the office with her husband and toddler son and they love hiking the many trails in Orange County, picnicking in the parks, and enjoying the waves and the beaches.
CA Insurance License #: 0I50996
About Paul Chung
Paul is a Registered Associate with the Aziz Ihani Group and focuses on helping design, implement and administering retirement plans for Physician Groups. He closely works with Physicians and their staff to ensure all plan related activities such as enrollments, contributions, and distributions are performed in a timely manner. He is very diligent and strives to provide excellent service.
Paul graduated from Purdue University - West Lafayette with a B.S. in Economics and has been with Morgan Stanley for over 10 years in various capacities.
In his free time, Paul enjoys spending time with his wife, building computers, hiking, and cooking.
Paul graduated from Purdue University - West Lafayette with a B.S. in Economics and has been with Morgan Stanley for over 10 years in various capacities.
In his free time, Paul enjoys spending time with his wife, building computers, hiking, and cooking.
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
Kyle Miller
Private Banker
Leo Gonzalez Souto, CFP®
Vice President, Financial Planning Director
Clint Eddy
Family Office Resource Generalist
About Kyle Miller
Kyle Miller is a Senior Private Banker serving Morgan Stanley Wealth Management offices in California.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending
solutions.
Kyle began his career in financial services in 2005, and joined Morgan Stanley in 2011 as an Associate Private Banker. Prior to joining the firm, he was a Senior Banker at U.S. Bank. He also spent time early in his career
with the Denver Broncos.
Kyle is a graduate of the University of Colorado at Boulder, where he received a Bachelor of Science in Marketing and Finance, and San Diego State University, where he received his MBA in Business Administration. He lives in Dana Point, California with his wife and two daughters. Outside of the office, Kyle enjoys skiing, playing golf and volunteering in the community.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending
solutions.
Kyle began his career in financial services in 2005, and joined Morgan Stanley in 2011 as an Associate Private Banker. Prior to joining the firm, he was a Senior Banker at U.S. Bank. He also spent time early in his career
with the Denver Broncos.
Kyle is a graduate of the University of Colorado at Boulder, where he received a Bachelor of Science in Marketing and Finance, and San Diego State University, where he received his MBA in Business Administration. He lives in Dana Point, California with his wife and two daughters. Outside of the office, Kyle enjoys skiing, playing golf and volunteering in the community.
NMLS#: 798374
About Leo Gonzalez Souto, CFP®
Leandro “Leo” Gonzalez Souto is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management office in Irvine, California. He is responsible for helping financial advisors with their clients’ and prospects’ financial planning needs.
Leo began his career in financial services in 2015 and joined Morgan Stanley in 2022. Prior to his current position, he worked at Charles Schwab.
Leo graduated from Indiana University-Bloomington and holds his CERTIFIED FINANCIAL PLANNER™ and CERTIFIED EXIT PLANNER ADVISOR designations. Leo lives in Huntington Beach, CA with his wife Isabel. Outside of work, Leo is an avid soccer player and enjoys traveling the world, visiting, and spending time with his family in California, Spain, and Argentina.
DISCLOSURE:
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.
Leo began his career in financial services in 2015 and joined Morgan Stanley in 2022. Prior to his current position, he worked at Charles Schwab.
Leo graduated from Indiana University-Bloomington and holds his CERTIFIED FINANCIAL PLANNER™ and CERTIFIED EXIT PLANNER ADVISOR designations. Leo lives in Huntington Beach, CA with his wife Isabel. Outside of work, Leo is an avid soccer player and enjoys traveling the world, visiting, and spending time with his family in California, Spain, and Argentina.
DISCLOSURE:
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.
About Clint Eddy
Clint Eddy is an Executive Director with the Family Office Resources (FOR) team at Morgan Stanley. As a Generalist with FOR he helps clients and Advisors curate and navigate an expansive suite of highly specialized resources to address the complex, multifaceted challenges of managing significant wealth so clients may make complicated decisions confidently.
Prior to joining Morgan Stanley in 2022, Clint was a Wealth Strategist at Merrill Lynch for over 15 years. Clint also practiced tax and business law at the law firm of Fox Rothschild for over six years. He was a member of the firm’s Estate Planning and Tax and Corporate Transactions groups. Clint is a member of Washington State Bar Association (WSBA) and is actively involved in the WSBA’s Real Property, Probate and Trust section. He is the co-author of the Washington Partnership and Limited Liability Company Deskbook and was named a “Rising Star” by Washington Law and Politics magazine.
Clint received his Master of Laws in Taxation from the University of Washington School of Law, his Juris Doctor from the University of Oregon School of Law, and his Bachelor of Arts from the University of Washington. He is Series 7 and 66 licensed.
Outside of work Clint is an avid, but admittedly, pretty awful skier. He and his fiancé live in Seattle with their 10 year old Boston Terrier named Annie.
Prior to joining Morgan Stanley in 2022, Clint was a Wealth Strategist at Merrill Lynch for over 15 years. Clint also practiced tax and business law at the law firm of Fox Rothschild for over six years. He was a member of the firm’s Estate Planning and Tax and Corporate Transactions groups. Clint is a member of Washington State Bar Association (WSBA) and is actively involved in the WSBA’s Real Property, Probate and Trust section. He is the co-author of the Washington Partnership and Limited Liability Company Deskbook and was named a “Rising Star” by Washington Law and Politics magazine.
Clint received his Master of Laws in Taxation from the University of Washington School of Law, his Juris Doctor from the University of Oregon School of Law, and his Bachelor of Arts from the University of Washington. He is Series 7 and 66 licensed.
Outside of work Clint is an avid, but admittedly, pretty awful skier. He and his fiancé live in Seattle with their 10 year old Boston Terrier named Annie.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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.
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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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.
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.
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
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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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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 Aziz A Ihani today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4When 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.
5Morgan 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.
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.
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 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4When 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.
5Morgan 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:
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
