Brian L Lowenthal
Managing Director, Private Wealth Management, Private Wealth Advisor
Phone:
(561) 650-1520(561) 650-1520
Morgan Stanley Private Wealth Management
Berman Partners
Direct:
(561) 650-1520(561) 650-1520
Our Mission Statement
Our mission is to deliver thoughtful, personalized financial guidance that helps individuals and families build, preserve, and transition wealth with clarity, confidence, and purpose.
WELCOME
As Morgan Stanley Private Wealth Advisors, we combine our own talents and experience with the vast resources of a global financial services firm to address the planning, governance, liability management and investing needs of ultra high net worth families, their businesses and philanthropic enterprises. We take a holistic approach that is grounded in investment strategy, but covers virtually every aspect of your financial life: risk management, liabilities, trusts and estate structures and even family dynamics and lifestyle management issues. Our goal is to help preserve and grow your financial, family and social capital so that it can have the greatest positive impact today and for generations to come.
We look forward to learning more about you and your family, and discussing the resources we can place at your disposal.
We look forward to learning more about you and your family, and discussing the resources we can place at your disposal.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
About PWM
Founded in 1977, Private Wealth Management is the division of Morgan Stanley Wealth Management that is dedicated to serving the firm’s most affluent clients, including some of the world’s most accomplished entrepreneurs, executives and stewards of multigenerational wealth. Functioning as an exclusive investment boutique within a global financial firm, we deliver sophisticated solutions that leverage the intellectual capital and insight of Morgan Stanley’s substantial global resources. Drawing on a deep understanding of your financial life, our goal is to help you:
- Manage investments with an unwavering focus on your financial strategy and personal goals
- Create comprehensive, multigenerational wealth management plans based on your needs, challenges and the values that guide your life and legacy
- Simplify financial complexity to help you achieve clarity and control
Private Wealth Management Highlights
- Approximately 300 teams specialized in assisting individuals and families with $20MM+ in investable assets
- Over $1.2 trillion in AUM
- Comprising 26% of the Barron’s Top 100 Financial Advisors list for 2025
- Direct access to ultra high net worth experts in philanthropy, family dynamics, wealth transfer, lifestyle advisory and other areas of interest to ultra high net worth families
1 Morgan Stanley Wealth Management, September 2025
Source: Barron's (Awarded March 2025) This ranking was determined based on an evaluation process conducted by Barron's for the period Oct 2023-Sept 2024. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on an algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the assessment of Barron's and may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
YOUR PARTNER IN WEALTH AND LEGACY
At Morgan Stanley, we combine global insight, advanced capabilities, and highly personalized guidance to help you navigate life’s financial complexities with clarity and confidence. Our approach is built around you – your goals, your priorities, and every stage of your financial journey.
Lending and Cash Management
We recognize that every family’s financial picture is unique. Our lending and cash management strategies are designed to streamline your day-to-day finances while complementing your broader investment plan. With tailored solutions and seamless access to liquidity, we help you stay flexible, prepared, and in control of your financial future.
Cash Management and Lending Solutions
Cybersecurity
Safeguarding your digital assets is essential/ Morgan Stanley employs advanced cybersecurity capabilities and draws on the experiences of former senior government and security professionals to monitor global threats and protect your financial life. In an increasingly complex digital world, we work proactively to keep your information and assets secure.
Security Center
Alternative Investments
Our platform offers access to a broad range of third-party and proprietary alternative investment opportunities. For qualified investors, these strategies can help enhance diversification, manage volatility, and pursue differentiated sources of return. With selective access and disciplined oversight, we align alternative investments with your long-term objectives.
Alternative Investments
Tax-Efficient Planning
Thoughtful tax planning can have a meaningful impact on long-term outcomes. We focus on preserving and growing your wealth through proactive, year-round strategies such as tax-loss harvesting and customized portfolio positioning. By identifying evolving opportunities, we aim to reduce tax drag and strengthen your after-tax returns over time.
Tax Smart StrategiesINVESTOR RESOURCES
Confident decision-making begins with access to timely, relevant insight. Our suite of investor resources is designed to break down complex topics, provide meaningful perspective on market developments, and help you stay informed and prepared for both current conditions and future opportunities.
GIC Weekly Report
Each week, Lisa Shalett and the Global Investment Committee deliver thoughtful analysis on market trends, asset classes, and the broader forces shaping the investment landscape.
On the Markets Report
Stay informed with in-depth research and expert perspectives from Morgan Stanley thought leaders across equities, fixed income, monetary policy, and more – helping you better understand market drivers and what may lie ahead.
Thoughts on the Market Podcast
Join Mike Wilson and other Morgan Stanley strategists as they discuss current market themes and emerging risks, translating complex developments into practical insights you can apply to your planning.
2026 Tax Tables
Tax policy plays an important role in effective financial planning. Our 2026 Tax Tables provide up-to-date reference information to support informed decisions and help keep your long-term strategy aligned and on track.
MODERN WEALTH TOOLS
Technology continues to reshape the way we plan, manage, and experience our financial lives. Morgan Stanley's integrated suite of digital tools is designed to simplify your financial world – providing secure access to information, timely insights, and ongoing support whenever and wherever you need it.
Morgan Stanley Online
Stay connected to your accounts and day-to-day finances through one secure, streamlined platform. Morgan Stanley Online delivers real-time visibility into balances, transactions, performance updates, and more – accessible from virtually anywhere.
Total Wealth View
See your complete financial picture in one place. Total Wealth View brings together assets held at Morgan Stanley and those managed elsewhere, helping you track your full balance sheet and make more informed, holistic planning decisions.
Portfolio Risk Platform
Our Portfolio Risk Platform uses advanced, institutional-level analytics to evaluate portfolio risk and performance. These insights help you and your advisor make data-driven adjustments and keep your investment strategy aligned with your long-term objectives.
Digital Vault
Securely store, organize, and share important financial documents – including statements, tax records, and legal authorizations – within the encrypted Digital Vault. This convenient tool helps ensure essential information is accessible to you and trusted professionals when it matters most.
Location
777 S Flagler Drive, Suite 700
West Palm Beach, FL 33401
US
Direct:
(561) 650-1520(561) 650-1520
Meet Berman Partners
Kristen Bissett
Managing Director, Private Wealth Management, Private Wealth Advisor
Phone:
(561) 650-1521(561) 650-1521
Monique Burns
Private Wealth Management Director of Business Strategy
Phone:
(561) 650-1522(561) 650-1522
Douglas Cion
Private Wealth Management Analyst
Phone:
(561) 650-1523(561) 650-1523
Sarah Marlow
Client Service Associate
Phone:
(561) 650-1524(561) 650-1524
About Me
With nearly two decades of experience, Brian Lowenthal helps clients remain laser-focused on their long-term investment goals through all market cycles. Leveraging broad knowledge of investment strategy and asset allocation, he collaborates with multi-generational families, corporate executives and not-for-profit organizations to create individualized wealth-management strategies tailored to their needs.
Brian launched his investment management career in 1999 as Wealth Associate at Sanford C. Bernstein & Co. He later worked with private clients at Merrill Lynch before becoming a Director at Lehman Brothers/Barclays, and a Managing Director/Private Wealth Advisor at UBS. He is a lifetime student of the capital markets, and an avid news junkie.
Brian earned a B.A. in Communications from the State University of New York at Buffalo. Committed to giving back, he serves on the boards of Temple Beth David in Palm Beach Gardens and the Morse Geriatric Center.
Originally from New York, Brian now lives in Palm Beach Gardens with his wife, two daughters, and their Lhasa Apso, Scarlett. Outside the office, he enjoys traveling, listening to an eclectic mix of music, and cheering on the Florida State Seminoles and his beloved New York Giants and New York Knicks.
Brian launched his investment management career in 1999 as Wealth Associate at Sanford C. Bernstein & Co. He later worked with private clients at Merrill Lynch before becoming a Director at Lehman Brothers/Barclays, and a Managing Director/Private Wealth Advisor at UBS. He is a lifetime student of the capital markets, and an avid news junkie.
Brian earned a B.A. in Communications from the State University of New York at Buffalo. Committed to giving back, he serves on the boards of Temple Beth David in Palm Beach Gardens and the Morse Geriatric Center.
Originally from New York, Brian now lives in Palm Beach Gardens with his wife, two daughters, and their Lhasa Apso, Scarlett. Outside the office, he enjoys traveling, listening to an eclectic mix of music, and cheering on the Florida State Seminoles and his beloved New York Giants and New York Knicks.
Securities Agent: ME, MN, CO, OH, AZ, NY, MD, WA, PA, NV, CT, NJ, VA, KY, IL, GA, MA, DE, DC, CA, SC, RI, NC, MI, UT, SD, NH, FL; General Securities Representative; Investment Advisor Representative
About Me
From an early fascination with the markets to more than a decade of professional experience, Kristen Bissett channels her macroeconomic research background into practical guidance for the individuals and organizations she serves. Kristen focuses on helping multigenerational families, entrepreneurs and not-for-profit groups build customized asset allocations designed to address income needs and long-term goals. By translating big-picture economic insights into tailored portfolio strategies, she strives to give clients greater clarity and confidence in their financial decision-making.
Before joining Morgan Stanley, Kristen served as an Investment Strategist at Barclays and J.P. Morgan Private Bank and later at UBS Private Wealth Management. These roles deepened her understanding of global markets and complex client situations—expertise she now brings to every relationship.
Committed to her community, Kristen sits on the Board at the Community Foundation for Palm Beach and Martin Counties, and is involved at the Kravis Center, Cox Science Center, Homesafe, and with the Benjamin School. She earned a B.A. in Economics from Drew University.
Kristen and her husband live in Jupiter with their daughter, son and two dogs. Away from the office, she enjoys travelling to new places and spending time outdoors - whether hiking, skiing, golfing, or listening to live music. She also has an appreciation for vibrant, modern mixed-media art, enjoys playing games and doing puzzles with her children, and has the lyrics from Hamilton fully memorized.
Before joining Morgan Stanley, Kristen served as an Investment Strategist at Barclays and J.P. Morgan Private Bank and later at UBS Private Wealth Management. These roles deepened her understanding of global markets and complex client situations—expertise she now brings to every relationship.
Committed to her community, Kristen sits on the Board at the Community Foundation for Palm Beach and Martin Counties, and is involved at the Kravis Center, Cox Science Center, Homesafe, and with the Benjamin School. She earned a B.A. in Economics from Drew University.
Kristen and her husband live in Jupiter with their daughter, son and two dogs. Away from the office, she enjoys travelling to new places and spending time outdoors - whether hiking, skiing, golfing, or listening to live music. She also has an appreciation for vibrant, modern mixed-media art, enjoys playing games and doing puzzles with her children, and has the lyrics from Hamilton fully memorized.
Securities Agent: SC, NV, NC, PA, WA, RI, MI, AZ, NJ, KY, FL, OH, MA, CT, SD, NY, NH, ME, MD, DE, DC, VA, GA, CO, UT, MN, IL, CA; General Securities Representative; Investment Advisor Representative
About Monique Burns
Monique Burns brings comprehensive expertise in financial markets to Berman Partners. She works to cultivate lasting client relationships in order to understand and implement each client’s specific requirements. Prior to joining Berman Partners in 2017, Monique held various leadership positions at several financial institutions, including Relationship Manager, Operations Manager, Compliance Manager, and Vice President. Monique holds Series 7,9,10,63, and 66 licenses and is experienced in compliance, operations, and branch management roles.
Monique and her team believe in carefully analyzing each family’s needs to deliver tailored and effective strategies. In her work, Monique recognizes the distinctiveness of every family and works diligently to support their financial objectives. She oversees operational processes and personally addresses complex account matters, including multifaceted and unique situations, with her exceptional attention to detail and thoroughness.
Monique earned her Bachelor of Science in Business Administration, graduating Magna Cum Laude from Montclair State University. She began her career in New York City and moved to Florida in 1991 to establish First Manhattan Co.’s satellite office in West Palm Beach. Currently, she and her husband reside in Palm Beach Gardens, where they raised their children. In her community, Monique served as the former Board Chair of St. Mark’s Episcopal School Advisory Board and as the former Senior Warden for St. Mark’s Episcopal Church in Palm Beach Gardens, FL. Her volunteer contributions include work with Suncoast Community High School Theatre and Music Programs, Hearts of Palm, and St. George’s Community Center Kitchen. Outside of her professional commitments, Monique enjoys traveling, cooking, and gardening.
Monique and her team believe in carefully analyzing each family’s needs to deliver tailored and effective strategies. In her work, Monique recognizes the distinctiveness of every family and works diligently to support their financial objectives. She oversees operational processes and personally addresses complex account matters, including multifaceted and unique situations, with her exceptional attention to detail and thoroughness.
Monique earned her Bachelor of Science in Business Administration, graduating Magna Cum Laude from Montclair State University. She began her career in New York City and moved to Florida in 1991 to establish First Manhattan Co.’s satellite office in West Palm Beach. Currently, she and her husband reside in Palm Beach Gardens, where they raised their children. In her community, Monique served as the former Board Chair of St. Mark’s Episcopal School Advisory Board and as the former Senior Warden for St. Mark’s Episcopal Church in Palm Beach Gardens, FL. Her volunteer contributions include work with Suncoast Community High School Theatre and Music Programs, Hearts of Palm, and St. George’s Community Center Kitchen. Outside of her professional commitments, Monique enjoys traveling, cooking, and gardening.
About Douglas Cion
Douglas Cion brings a client-focused mindset and broad industry experience to his role as a Private Wealth Management Analyst. Having grown up on Long Island, Doug developed an early appreciation for hard work and community—qualities that continue to shape the way he supports individuals and families today.
Doug entered the financial-services field in 2015 with Beech Hill Securities. He then deepened his knowledge as a Client Associate with Hightower Advisors and later as a Senior Client Service Associate at UBS, experiences that refined his attention to detail and commitment to attentive, concierge-level service. In every interaction, he strives to simplify complex financial matters and help clients feel confident about their decisions.
A graduate of Stony Brook University (B.A., 2009), Doug combines analytical skills with a genuine passion for building lasting relationships. Outside the office, he and his wife, Nichole—high-school sweethearts—enjoy an active South Florida lifestyle. You’ll often find them working out in their garage gym, hiking local trails, or cheering for the New York Yankees and Dallas Cowboys alongside their two dogs.
Doug entered the financial-services field in 2015 with Beech Hill Securities. He then deepened his knowledge as a Client Associate with Hightower Advisors and later as a Senior Client Service Associate at UBS, experiences that refined his attention to detail and commitment to attentive, concierge-level service. In every interaction, he strives to simplify complex financial matters and help clients feel confident about their decisions.
A graduate of Stony Brook University (B.A., 2009), Doug combines analytical skills with a genuine passion for building lasting relationships. Outside the office, he and his wife, Nichole—high-school sweethearts—enjoy an active South Florida lifestyle. You’ll often find them working out in their garage gym, hiking local trails, or cheering for the New York Yankees and Dallas Cowboys alongside their two dogs.
About Sarah Marlow
Sarah Marlow brings more than 30 years of experience in the financial services industry, with expertise spanning wealth management, compliance, and client service. She is recognized for delivering exceptional client experiences, building lasting relationships, and supporting clients’ financial goals with professionalism, accuracy, and integrity.
Prior to joining Morgan Stanley, Sarah served as a Compliance Analyst for First Albany Corporation, an Investment Officer at Ayco, a Goldman Sachs Company and a Senior Registered Private Client Associate at Janney Montgomery Scott LLC.
In 2023, Sarah relocated to Florida from upstate New York, where she raised her two sons. Outside of work, she enjoys exploring what South Florida offers, which includes spending time outdoors, going to the beach, and learning to play golf and pickleball.
Prior to joining Morgan Stanley, Sarah served as a Compliance Analyst for First Albany Corporation, an Investment Officer at Ayco, a Goldman Sachs Company and a Senior Registered Private Client Associate at Janney Montgomery Scott LLC.
In 2023, Sarah relocated to Florida from upstate New York, where she raised her two sons. Outside of work, she enjoys exploring what South Florida offers, which includes spending time outdoors, going to the beach, and learning to play golf and pickleball.
Contact Brian L Lowenthal
Contact Kristen Bissett
Wealth Management
Global Investment Office
Portfolio Insights
Managing Significant Wealth
- Investment Management
- Wealth Transfer & Philanthropy
- Cash Management & Lending
- Family Governance & Wealth Education
- Lifestyle Advisory
- Business Services
PWM Leadership Insights & Outcomes
Article Image
Insights and Outcomes
Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
Private Wealth Management Podcast
Bringing you engaging stories and key insights surrounding the complexities associated with significant wealth, including:
- Intergenerational Planning
- Philanthropic Giving
- Non-Traditional Assets
- Managing Family Wealth
We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
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.
2Tailored Lending is a loan/line of credit product offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. A Tailored Lending credit facility may be a committed or demand loan/line of credit. All Tailored Lending loans/lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Tailored Lending loans/lines of credit may not be available in all locations. Rates, terms, and programs are subject to change without notice. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is a Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. The proceeds from a Tailored Lending loan/line of credit (including draws and other advances) may not be used to purchase, trade, or carry margin stock; repay margin debt that was used to purchase, trade, or carry margin stock; and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
3Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Awards Disclosures | Morgan Stanley
2Tailored Lending is a loan/line of credit product offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. A Tailored Lending credit facility may be a committed or demand loan/line of credit. All Tailored Lending loans/lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Tailored Lending loans/lines of credit may not be available in all locations. Rates, terms, and programs are subject to change without notice. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is a Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. The proceeds from a Tailored Lending loan/line of credit (including draws and other advances) may not be used to purchase, trade, or carry margin stock; repay margin debt that was used to purchase, trade, or carry margin stock; and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
3Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Awards Disclosures | Morgan Stanley
CRC 4677197 (7/2025)