Dave Cornett
Financial Advisor
Phone:
(561) 776-6458(561) 776-6458
Barbara Zech, CIMA®, CPWA®, CEPA®
Senior Vice President,
Wealth Advisor,
Certified Investment Management Analyst
Direct:
(561) 776-6473(561) 776-6473
Toll-Free:
(800) 327-6187(800) 327-6187
Industry Award WinnerMy Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals.
My Story and Services
Barbara delivers exceptional solutions to “self-made” business owners, corporate executives and retirees to help navigate important financial decisions. She provides financial and investment advice to individuals with exceptional wealth, families and businesses in the U.S. and works with International Wealth Managers. Her clients value her ability to keep matters in a vault of confidentiality while effectively getting things done.
After a career in law, Barbara discovered a greater passion working on Wall Street and she has been with Morgan Stanley in the Palm Beach Gardens office since 1995. Barbara holds advanced degrees in Law (non-practicing), Finance (MA) and Business (MBA). Barbara also earned a Certified Investment Management Analyst designation (CIMA®) from the Wharton School of Business and a Certified Private Wealth Advisor (CPWA®) from the University of Chicago. These advanced degrees and designations serve as the deep foundation for group’s comprehensive wealth management process, which starts with an understanding of each client’s specific needs and goals, mitigating risk and managing assets for multiple objectives (liquidity, longevity, legacy).
Philanthropy matters to Barbara. Her Christian Kingdom Advisor (CKA®) certification helps others with Faith Based Goals and Generosity Giving. She serves as Endowment and Finance Board Member and Officer of First Presbyterian Church. She is also active with Furry Friends Animal Shelter, Adopt a Cat Foundation, Peggy Adams Animal Shelter, Busch Wildlife Sanctuary and IMCA. Her personal interests include international travel, professional chorale singing, weight training, mountain climbing, trekking and hiking. Barbara was invited to the Barron’s Top 100 Women’s Summit from 2007-2024; Named FORBES® Top Women Wealth Advisors 2021, 2022, 2023, 2024 and 2025. The Zech Group was Named to the 2023-2025 Forbes Best-In-State Wealth Management Teams in Florida.
2021-2025 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2021-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023 and 2024 and 2025) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
In addition to the award recipients, several hundred financial advisors were selected by their firms to attend the annual Barron’s Top Women Advisors Summit, hosted by Barron’s magazine to promote best practices in the industry and the value of advice to the investing public. The invitation-only conference was held at The Breakers in Palm Beach, FL and virtually. This exclusive conference is designed to promote best practices and generate new ideas across the industry. Participants attended workshops, many led by the Top 100 Women Financial Advisors, that explored current issues ranging from business development ideas through managing high-net-worth accounts and families to portfolio management and retirement planning.
Morgan Stanley has no affiliation with Kingdom Advisors and the CKA® designation is not overseen or endorsed by the Firm. Morgan Stanley does not discriminate on the basis of any protected status, and welcomes clients and provides investment advisory services without regard to religious affiliation. For more information about the designation, please see:
https://kingdomadvisors.com/association/designation/overview
After a career in law, Barbara discovered a greater passion working on Wall Street and she has been with Morgan Stanley in the Palm Beach Gardens office since 1995. Barbara holds advanced degrees in Law (non-practicing), Finance (MA) and Business (MBA). Barbara also earned a Certified Investment Management Analyst designation (CIMA®) from the Wharton School of Business and a Certified Private Wealth Advisor (CPWA®) from the University of Chicago. These advanced degrees and designations serve as the deep foundation for group’s comprehensive wealth management process, which starts with an understanding of each client’s specific needs and goals, mitigating risk and managing assets for multiple objectives (liquidity, longevity, legacy).
Philanthropy matters to Barbara. Her Christian Kingdom Advisor (CKA®) certification helps others with Faith Based Goals and Generosity Giving. She serves as Endowment and Finance Board Member and Officer of First Presbyterian Church. She is also active with Furry Friends Animal Shelter, Adopt a Cat Foundation, Peggy Adams Animal Shelter, Busch Wildlife Sanctuary and IMCA. Her personal interests include international travel, professional chorale singing, weight training, mountain climbing, trekking and hiking. Barbara was invited to the Barron’s Top 100 Women’s Summit from 2007-2024; Named FORBES® Top Women Wealth Advisors 2021, 2022, 2023, 2024 and 2025. The Zech Group was Named to the 2023-2025 Forbes Best-In-State Wealth Management Teams in Florida.
2021-2025 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2021-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023 and 2024 and 2025) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
In addition to the award recipients, several hundred financial advisors were selected by their firms to attend the annual Barron’s Top Women Advisors Summit, hosted by Barron’s magazine to promote best practices in the industry and the value of advice to the investing public. The invitation-only conference was held at The Breakers in Palm Beach, FL and virtually. This exclusive conference is designed to promote best practices and generate new ideas across the industry. Participants attended workshops, many led by the Top 100 Women Financial Advisors, that explored current issues ranging from business development ideas through managing high-net-worth accounts and families to portfolio management and retirement planning.
Morgan Stanley has no affiliation with Kingdom Advisors and the CKA® designation is not overseen or endorsed by the Firm. Morgan Stanley does not discriminate on the basis of any protected status, and welcomes clients and provides investment advisory services without regard to religious affiliation. For more information about the designation, please see:
https://kingdomadvisors.com/association/designation/overview
Services Include
- Wealth Consulting
- Wealth ManagementFootnote1
- Alternative InvestmentsFootnote2
- AnnuitiesFootnote3
- Asset Management
- Business PlanningFootnote4
- Business Succession PlanningFootnote5
- CommoditiesFootnote6
- Corporate BondsFootnote7
- Corporate Cash Management
- Corporate Retirement PlansFootnote8
- Corporate Trust Services
- Divorce Financial AnalysisFootnote9
- Endowments and FoundationsFootnote10
- Estate Planning StrategiesFootnote11
- Exchange Traded FundsFootnote12
- Executive Financial ServicesFootnote13
- Financial PlanningFootnote14
- Fixed IncomeFootnote15
- Lending Products
- Long Term Care InsuranceFootnote16
- Municipal BondsFootnote17
- Philanthropic Services
Securities Agent: WA, GA, CT, TN, VT, OH, NY, NC, MT, VA, CA, UT, RI, OR, NV, NH, MA, CO, AL, PA, MI, AZ, MN, DE, IL, MO, ME, FL, KY, MD, DC, ID, HI, TX, SC, NJ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1261806
NMLS#: 1261806
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
We all know that life can be unpredictable.
From finding your dream home, to facing an uncertain medical condition.
Your comprehensive financial plan should include strategies for the impact on your family’s financial well-being when life takes one of those unexpected turns. We surround you with good, solid solutions that integrate all of your needs.
From finding your dream home, to facing an uncertain medical condition.
Your comprehensive financial plan should include strategies for the impact on your family’s financial well-being when life takes one of those unexpected turns. We surround you with good, solid solutions that integrate all of your needs.
The goal of our process is to help you create a comprehensive wealth management plan to reach your most important personal, professional and philanthropic goals. We begin by learning about your history, your family, your interests, concerns and aspirations. We then reach out to your CPA and estate attorney to familiarize ourselves with your existing estate planning and coordinate our strategies. This discovery process enables us to develop an appropriate plan designed to help grow, preserve and transfer your wealth. Once implemented, we closely monitor your strategy to make sure it stays current with your goals in an ever-changing financial and personal world.
Wealth Management
a. Cash Management
b. Asset and Liability Management
c. Tax Management
d. Insurance Efficiency Analysis
e. Education Planning for Children
f. Retirement and Cash Flow Planning
g. Asset and Creditor Protection Planning
h. Business Succession and Exit Planning
i. Pre-Liquidity Event Planning
j. Collaborate with your other professionals
b. Asset and Liability Management
c. Tax Management
d. Insurance Efficiency Analysis
e. Education Planning for Children
f. Retirement and Cash Flow Planning
g. Asset and Creditor Protection Planning
h. Business Succession and Exit Planning
i. Pre-Liquidity Event Planning
j. Collaborate with your other professionals
Financial Planning and Investment Management
a. Customized Financial Plan
b. Tax Efficient Portfolio Construction
c. Proprietary Risk Management Analysis
d. Open Architecture Investment Platform
e. Access to World Class Public and Private Investments
f. Investment Due Diligence and Selection
g. Investing with Impact - Sustainable Investing
h. Monitoring and Reporting
b. Tax Efficient Portfolio Construction
c. Proprietary Risk Management Analysis
d. Open Architecture Investment Platform
e. Access to World Class Public and Private Investments
f. Investment Due Diligence and Selection
g. Investing with Impact - Sustainable Investing
h. Monitoring and Reporting
Estate and Philanthropy Management
a. Family Governance and Wealth Education
b. Estate Planning
c. Access to Wealth Planning Center for Advanced Estate Planning Needs
d. Private Banking
e. Insurance Solutions
f. Trust Services
g. Philanthropy Management
h. Lifestyle advisory
b. Estate Planning
c. Access to Wealth Planning Center for Advanced Estate Planning Needs
d. Private Banking
e. Insurance Solutions
f. Trust Services
g. Philanthropy Management
h. Lifestyle advisory
Executive Wealth Management
a. Executive Compensation and Benefits Analysis
b. Stock Option Analysis
c. Rule 144 Stock Analysis and Planning
d. Diversification Strategies for Concentrated Stock Positions
e. Section 10(b)5-1 plan
f. Section 1042 Tax-deferred sale to an ESOP
g. Qualified Small Business Stock (QSBS) Planning
h. Restricted Stock and Section 83(b) and 83(i) Election
b. Stock Option Analysis
c. Rule 144 Stock Analysis and Planning
d. Diversification Strategies for Concentrated Stock Positions
e. Section 10(b)5-1 plan
f. Section 1042 Tax-deferred sale to an ESOP
g. Qualified Small Business Stock (QSBS) Planning
h. Restricted Stock and Section 83(b) and 83(i) Election
Alternatives Investments
Incorporate Alternative Investments into your overall allocation to diversify your exposure
Market Updates
Library of current market trendsLocation
3801 PGA Boulevard
Suite 700
Palm Beach Gardens, FL 33410
US
Direct:
(561) 776-6473(561) 776-6473
Toll-Free:
(800) 327-6187(800) 327-6187
Fax:
(561) 694-7073(561) 694-7073
Meet My Team
Joan Lally
Portfolio Associate
Phone:
(561) 776-6456(561) 776-6456
Preston Sizmore, CFP®
Financial Advisor
Phone:
(561) 776-6494(561) 776-6494
Fred Cornett, CFP®
Financial Advisor
Phone:
(561) 776-6472(561) 776-6472
About Dave Cornett
Dave Cornett’s career began in ministry, where he served as an ordained minister in Palm Beach Gardens, FL. In this role, he developed strong leadership and coaching skills while managing large teams of volunteers and students. Dave played a key role in the expansion of one of the largest multi-campus churches in the U.S., contributing to the creation and growth of nine medium to large-sized congregations in South Florida, which collectively drew around 10,000 attendees each week by the end of 2016.
In 2007, Dave transitioned to the financial sector, joining Morgan Stanley as a Financial Advisor alongside his father, Fred Cornett. Despite navigating one of the most challenging financial periods in U.S. history, Dave and his father achieved significant business growth. Dave continued to balance his financial career with ministry, consulting for a large local church in 2010. By 2012, he made the decision to return to full-time ministry, motivated by a deep conviction to serve his community.
In 2017, Dave’s career took a new direction when he joined Chick-fil-A to lead the early market adoption in New York City. He oversaw human resources, administration, and operations for the second Chick-fil-A store in Manhattan. After the birth of his son in 2019, Dave and his family relocated back to South Florida, where he continued in hospitality as a General Manager for Chick-fil-A. His leadership led to a remarkable 60% sales growth until he retired from hospitality in 2023.
Dave rejoined Morgan Stanley in 2023 as a Financial Advisor with The Cornett Group, where he now applies his extensive experience to help clients achieve their financial goals. A Belmont University alumnus with a Bachelor of Business Administration, Dave is also a multi-instrumentalist and music producer, having collaborated with notable talent in the music industry. Residing alongside his wife Jess and their two children, Dave is active in his community, supporting various causes and enjoying water sports.
In 2007, Dave transitioned to the financial sector, joining Morgan Stanley as a Financial Advisor alongside his father, Fred Cornett. Despite navigating one of the most challenging financial periods in U.S. history, Dave and his father achieved significant business growth. Dave continued to balance his financial career with ministry, consulting for a large local church in 2010. By 2012, he made the decision to return to full-time ministry, motivated by a deep conviction to serve his community.
In 2017, Dave’s career took a new direction when he joined Chick-fil-A to lead the early market adoption in New York City. He oversaw human resources, administration, and operations for the second Chick-fil-A store in Manhattan. After the birth of his son in 2019, Dave and his family relocated back to South Florida, where he continued in hospitality as a General Manager for Chick-fil-A. His leadership led to a remarkable 60% sales growth until he retired from hospitality in 2023.
Dave rejoined Morgan Stanley in 2023 as a Financial Advisor with The Cornett Group, where he now applies his extensive experience to help clients achieve their financial goals. A Belmont University alumnus with a Bachelor of Business Administration, Dave is also a multi-instrumentalist and music producer, having collaborated with notable talent in the music industry. Residing alongside his wife Jess and their two children, Dave is active in his community, supporting various causes and enjoying water sports.
Securities Agent: VT, OR, MT, ID, FL, NY, MO, WA, NC, ME, CT, CA, TX, MA, IL, CO, UT, PA, NH, DE, AZ, SC, NV, TN, KY, AL, GA, VA, MN, RI, OH, NJ, MI, MD, HI, DC; General Securities Representative; Investment Advisor Representative
About Joan Lally
Joan has been with Morgan Stanley since 2000 and in the financial services industry since 1997. Her primary responsibilities are to offer our clients excellent, personalized customer service, to reinforce our client relationships, and to handle our day-to-day administrative operations. Joan holds her Series 7 and 66 licenses.
Joan was born and raised in Rhode Island, earned her Bachelor of Science from the University of Rhode Island, and is an avid Red Sox fan. She has been a Florida resident for 43 years and resides in Palm Beach Gardens.
Joan was born and raised in Rhode Island, earned her Bachelor of Science from the University of Rhode Island, and is an avid Red Sox fan. She has been a Florida resident for 43 years and resides in Palm Beach Gardens.
About Preston Sizmore
I was born and raised in the town of Winter Haven, FL, where my family has deep roots. My parents, both living in Winter Haven, include my retired dentist father and my mother. My older brother, who has become an interventional cardiologist in Thomasville, GA, is someone I share a strong bond with.
I pursued my education at Florida State University, earning a Bachelor of Science degree in Finance and Marketing. It was during this time that I began to realize the profound impact financial decisions can have on individuals and families. In 1999, I embarked on my career journey with Morgan Stanley in West Palm Beach, FL, driven by my genuine desire to help people discover deeper meaning in their lives through effective financial planning.
Understanding the significance of expertise in enabling financial empowerment, I dedicated myself to achieving the prestigious CERTIFIED FINANCIAL PLANNER™ designation. I firmly believe that a balanced life is the key to happiness and am incredibly grateful for the unwavering support of my loving family in Palm Beach Gardens, FL, who are at the center of my life.
My wife, Marie, is a dedicated trust and estates attorney, and together, we are blessed with two remarkable children, Emma and Jacob. During my leisure hours, I relish spending quality time with my family, pursuing my passion for golf, finding solace in fishing, and embarking on exciting travel adventures.
I pursued my education at Florida State University, earning a Bachelor of Science degree in Finance and Marketing. It was during this time that I began to realize the profound impact financial decisions can have on individuals and families. In 1999, I embarked on my career journey with Morgan Stanley in West Palm Beach, FL, driven by my genuine desire to help people discover deeper meaning in their lives through effective financial planning.
Understanding the significance of expertise in enabling financial empowerment, I dedicated myself to achieving the prestigious CERTIFIED FINANCIAL PLANNER™ designation. I firmly believe that a balanced life is the key to happiness and am incredibly grateful for the unwavering support of my loving family in Palm Beach Gardens, FL, who are at the center of my life.
My wife, Marie, is a dedicated trust and estates attorney, and together, we are blessed with two remarkable children, Emma and Jacob. During my leisure hours, I relish spending quality time with my family, pursuing my passion for golf, finding solace in fishing, and embarking on exciting travel adventures.
Securities Agent: MO, KY, TX, NY, HI, CO, VA, GA, NJ, SC, FL, DC, CT, RI, OH, MI, MA, WA, AL, PA, OR, IL, NH, MT, UT, NV, AZ, MD, CA, VT, ID, NC, DE, TN, MN, ME; General Securities Representative; Investment Advisor Representative; Managed Futures
About Fred Cornett
Fred Cornett began his financial advisory career in 1983 with Merrill Lynch. Focusing on tax-free bonds and individual stock selection, his business quickly evolved and he was asked to join Prudential-Bache in Stuart, Florida in 1986. He enjoyed a long tenure with Prudential-Bache and its successor firm, Prudential Securities, before moving to Palm Beach Gardens to enroll his children in The King’s Academy, a private Christian school, and joining Morgan Stanley in 1999. He taught investment classes for more than 20 years in the Martin County Adult Education program and was one of the original founders of the Jensen Beach Florida Little League, coaching 23 teams of boys’ baseball and girls’ softball. He became a Certified Financial Planner in 1997, and concentrates on business, personal, estate and philanthropic planning.
Fred is a Morgan Stanley Senior Portfolio Management Director who designs investment portfolios that are tax efficient and easy for the client to understand and follow. He holds both a bachelor’s and master’s degree from Western Kentucky University. He and his wife, Susan, reside in Palm Beach Gardens and are involved with several community endeavors.
Fred is a Morgan Stanley Senior Portfolio Management Director who designs investment portfolios that are tax efficient and easy for the client to understand and follow. He holds both a bachelor’s and master’s degree from Western Kentucky University. He and his wife, Susan, reside in Palm Beach Gardens and are involved with several community endeavors.
Securities Agent: NC, MT, AZ, GA, PA, NY, HI, VT, OR, OH, ME, KY, VA, UT, NJ, CT, AL, NH, ID, FL, DE, CA, TN, MA, IL, WA, MO, MI, DC, TX, SC, NV, MN, MD, CO, RI; General Securities Representative; Investment Advisor Representative
Hear From My Clients
I have had the good fortune to be Barbara Zech’s client since 2008, when my husband and I determined that she was overwhelmingly the best candidate from among the handful of financial consultants we had interviewed. A tax specialist and CPA, Lloyd was very specific about the qualifications he wanted in a counselor. Our conviction never wavered, her skills, personal interest, and helpful advice.
Michelle
Verified ClientFebruary 9, 2025
I’ve certainly been very happy with your handling of my account which is why I transferred my 401K to you years ago. Not only do you look out for my interests, you also answer the phone! No robots.
Lee Ann
Verified ClientFebruary 9, 2025
With complete confidence in her ability I have, for the past 20+ years, entrusted the management of my investment portfolio to Barbara Zech. She is a seasoned professional.
Sal
Verified ClientFebruary 9, 2025
Barbara has been managing our finances for the past 30 years. From day one she worked with us to determine what our long term goals were and set a plan in motion. She is extremely attentive and regularly reaches out to discuss our current investment status giving insightful recommendations and advice. She is readily available to take calls and answer emails and has helped grow our accounts over time. We can't recommend Barbara enough.
Eric & Arlene
Verified ClientApril 8, 2025
Barbara Zech and her team have been my financial advisors for the last six years. They have provided the perfect amount of innovation, strategy, and planning that have given my wife and I extreme confidence that our financial needs will be met during the remainder of our working years, and throughout our eventual retirement. Barbara and Tania make a great team, and we are lucky to have them on our side. They are extremely thorough, reliable, and responsive, and I wholeheartedly recommend them!
Gary
Verified ClientJanuary 16, 2025
Testimonial(s) are solicited by Morgan Stanley Wealth Management Canada and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
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Awards and Recognition
Barron's Top 100 Women Financial Advisors
2020-2024 Barron's Top 100 Women Financial Advisors Source: Barrons.com (Awarded June 2020-2024). Data compiled by Barron's based on 12-month period concluding in Mar of the year the award was issued.
Forbes America's Top Women Wealth Advisors
2021-2025 Forbes America's Top Women Wealth Advisors (formerly referred to as Forbes Top Women Wealth Advisors) Source: Forbes.com (Awarded 2021-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in September of year prior to the issuance of the award.
Forbes Best-In-State Wealth Management Teams
2023-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
3
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
Nino Migoya
Private Banker
Managing Director, Private Wealth Management, Private Wealth Advisor, Stock Plan Director
About Nino Migoya
Nino Migoya is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.
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.
Nino began his career in financial services in 1998, and joined Morgan Stanley in 2010. Prior to joining the firm, served as an Associate Divisional Bank Head, Consumer Banking Regional Manager, Consumer Finance Specialist, and as a Financial Advisor at Merrill Lynch.
Nino is a graduate of Manhattan College, where he received a Bachelor of Science in Chemical Engineering, and New York University, where he received his Masters of Business Administration in Finance and International Business. He lives in Jupiter, Florida, with his family. In his free time, he enjoys volunteering in the community, coaching soccer, playing golf, and running.
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.
Nino began his career in financial services in 1998, and joined Morgan Stanley in 2010. Prior to joining the firm, served as an Associate Divisional Bank Head, Consumer Banking Regional Manager, Consumer Finance Specialist, and as a Financial Advisor at Merrill Lynch.
Nino is a graduate of Manhattan College, where he received a Bachelor of Science in Chemical Engineering, and New York University, where he received his Masters of Business Administration in Finance and International Business. He lives in Jupiter, Florida, with his family. In his free time, he enjoys volunteering in the community, coaching soccer, playing golf, and running.
NMLS#: 799199
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
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
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
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Wealth Management
From My Desk
A Simple Six-Step Retirement Checkup
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Barbara Zech today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan 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.
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.
6Investing in commodities entails significant risks. The commodities markets may fluctuate widely based on a variety of factors including changes in supply and demand relationships; governmental programs and policies; national and international political and economic events; war and terrorist events; changes in interest and exchange rates; trading activities in commodities and related contracts; pestilence; weather; technological change; and, the price volatility of a commodity. In addition, the commodities markets are subject to temporary distortions or other disruptions due to various factors, including lack of liquidity, participation of speculators and government intervention.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8When 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10Morgan 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.
11Morgan 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.
12An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
13Morgan 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.
14Morgan 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.
15Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
16Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
17Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan 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.
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.
6Investing in commodities entails significant risks. The commodities markets may fluctuate widely based on a variety of factors including changes in supply and demand relationships; governmental programs and policies; national and international political and economic events; war and terrorist events; changes in interest and exchange rates; trading activities in commodities and related contracts; pestilence; weather; technological change; and, the price volatility of a commodity. In addition, the commodities markets are subject to temporary distortions or other disruptions due to various factors, including lack of liquidity, participation of speculators and government intervention.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8When 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10Morgan 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.
11Morgan 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.
12An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
13Morgan 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.
14Morgan 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.
15Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
16Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
17Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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.
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
