Jonathan Berry
Senior Vice President, Private Wealth Advisor, Senior Portfolio Manager
Phone:
(312) 453-9160(312) 453-9160
Morgan Stanley Private Wealth Management
Berry Laidlaw Group
Direct:
(312) 453-9161(312) 453-9161
Our Mission Statement
Guided by Values - Focused on Legacy -
Committed to Making a Difference
Committed to Making a Difference
Welcome
For our clients, the journey often begins not in the numbers, but in the values. They come from us from many places—family farms, small businesses, corporate careers, or entrepreneurial ventures—each carrying stories of hard work, resilience, and vision. What unites them is a desire for their wealth to mean more: to be a reflection of character, leadership, and effort across generations.
Like a cadet at West Point learning responsibility, or a collegiate athlete building grit, our clients have been shaped by life experiences that define who they are today. Those lessons fuel a desire not only to protect what they've built, but to ensure it endures—providing for families, empowering communities, and leaving a legacy that matters.
For them, "making a difference" isn't a slogan; it's a calling. It may begin with instilling purpose and responsibility in their children, or ensuring the family business carries forward with integrity. Over time, it matures into something bigger: aligning their wealth with their deepest values, so that what they've earned continues to reflect who they are and what they stand for.
That is the essence of our strategy: guiding clients to connect money with meaning, ensuring their legacy is not just financial, but purposeful.
Like a cadet at West Point learning responsibility, or a collegiate athlete building grit, our clients have been shaped by life experiences that define who they are today. Those lessons fuel a desire not only to protect what they've built, but to ensure it endures—providing for families, empowering communities, and leaving a legacy that matters.
For them, "making a difference" isn't a slogan; it's a calling. It may begin with instilling purpose and responsibility in their children, or ensuring the family business carries forward with integrity. Over time, it matures into something bigger: aligning their wealth with their deepest values, so that what they've earned continues to reflect who they are and what they stand for.
That is the essence of our strategy: guiding clients to connect money with meaning, ensuring their legacy is not just financial, but purposeful.
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 350 teams1 specialized in assisting individuals and families with $20MM+ in investable assets
- Over $980 billion in AUM1
- Comprising 23% of the Barron’s Top 250 Private Wealth Management Teams for 2024
- 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, December, 2024
Source: Barron's.com (May 2024) 2024 Barron's Top 250 Private Wealth Management Teams awarded in 2024. The teams are ranked on a variety of factors, including their size and shape, their regulatory records and credentials of their members, and the resources they have at their disposal to serve their client bases. The rankings are meant as a starting point for clients looking for an advisor—a first-pass vetting that can help investors narrow a search. Every advisor will have his or her own approach to investing, financial planning, and other services. Clients are encouraged to approach a search for an advisor the way they would a search for a doctor—interviewing multiple professionals and getting opinions from multiple third parties. Rankings are based on the opinions of Barron's and this ranking 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.
For Ultra-High Net Worth Investors
Trust Planning
Among the available tools for protecting and transferring assets, trusts may be the most misunderstood. Put simply, a trust can be a flexible and effective way for families to solve their financial issues and manage many types of challenges involving how to transfer assets and wealth to help ensure a lasting legacy.
Planning Your Legacy
Intergenerational Wealth Planning
Highly skilled accountants and estate attorneys are vital to constructing sound wealth-transfer plans, but sometimes it is the matters these experts cannot address that pose the greatest challenges.
Addressing Your Challenges
Financial Literacy
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
Financial Literacy for Any Stage of Your Life
Donor Advised Funds (DAF)
A solution that may help you execute planned giving, offer an efficient way to donate complex and illiquid assets, and simplify charitable giving reporting while potentially mitigating taxes. Bring philanthropy into your wealth plan and help amplify the impact of your giving through the Morgan Stanley Global Impact Funding Trust (MS GIFT).
MS GIFT
Signature Access
A broad range of specialty services are available to enrich and enhance the health, safety, comfort, and interests of affluent families, from private aviation, personal security, art advisory, and household staffing, to private health advisory services and advisory services for single family offices.
Our Offering
Private Equity
Investments in private equity have seen rapid growth as an asset class over the last few years, especially with newfound uncertainty among traditional investments in the years ahead. By accessing privately held companies, our alternatives team can tap into the potential growth of startups, private middle-market corporations, and more with the aim of delivering alternate sources of long-term capital appreciation.
Learn More About Alternatives
Private Markets
Many of today’s companies stay private longer, with more of their valuation being created before they become publicly traded. Morgan Stanley Private Markets connects a broad network of potential private investors in an accessible ecosystem, allowing eligible clients to buy and sell securities of private companies.
Morgan Stanley Private Markets
Alternative Lending
Using highly-automated models and expansive datasets, alternative lending platforms can rapidly underwrite borrower credit risk.
Borrowers may access credit in a more streamlined fashion as compared to the traditional lending process, often on terms more attractive than otherwise would be available.
Loan investors may access attractive credit risk premia historically captured by banks, while diversifying their portfolio fixed income and credit exposures.
Innovation in LendingBorrowers may access credit in a more streamlined fashion as compared to the traditional lending process, often on terms more attractive than otherwise would be available.
Loan investors may access attractive credit risk premia historically captured by banks, while diversifying their portfolio fixed income and credit exposures.
Impact Investing
How can investors gain insight into the impact of their investment portfolios? Our Morgan Stanley Impact Quotient tool distills complex data and tailors analysis to you.
Morgan Stanley IQYour Modern Wealth Tools
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
A $695 Annual Engagement Bonus
For eligible Platinum Morgan Stanley CashPlus brokerage account clients with the Platinum Card from American Express Exclusively for Morgan Stanley. Certain Morgan Stanley Debit Cardholders may qualify. Terms apply.
Click to Learn More
Morgan Stanley CashPlus Brokerage Account
Designed as a modern alternative to banking with the capabilities to help you access, move, and manage cash when you need it while enjoying exclusive benefits.
Click to Learn More
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
Cybersecurity Center
Learn about our latest security measures, how we are safeguarding your assets and personal information, and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Access the Security Center
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
Total Wealth View
It's hard to see the complete picture with only half the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley mobile app.
Link External Accounts
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll TodayOur 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.
Thoughts on the Market Podcast
Want to stay up to date with these emerging sectors? Join Mike Wilson as he dives into the market, breaking down complex topics in a concise, easy-to-understand format.
Click here to check out the latest episode
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
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 how robots and other forms of AI are taking the world by storm with their new and innovative technology.
Click here to learn more
The Future of Agriculture
With the global population rapidly on the rise, the way in which we feed our planet is changing. Take a look at this insightful Morgan Stanley report on the future of food, which delineates interesting sustainable tactics that can be used to combat global malnutrition.
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
Blockchain Technology and Cryptocurrency
Cryptocurrency is becoming more and more well-known, and it is beginning to pique the interest of many investors. While it is certainly a topic of interest, many do not consider themselves well-informed on cryptocurrency, and it is crucial to make educated decisions in regard to your investing.
Click here to learn more
Space and Quantum Communication
Space is the next frontier, and we are now closer than ever to breaking this extraterrestrial barrier. As has happened with each age of exploration, there is potential for the economy to expand into new sectors.
Click here to learn more
Autonomous, Shared Mobility, and Electric Vehicles
The future of movement appears to be in electric vehicles, which have taken a larger and larger portion of the transportation marketplace as of recent. This has the potential to create a massive shift in how we get from point A to point B and can possibly lead to other electric means of transportation, such as trains and planes.
Click here to learn moreLocation
233 S Wacker Dr
Ste 9200
Chicago, IL 60606
US
Direct:
(312) 453-9161(312) 453-9161
Meet Berry Laidlaw Group
Mike Laidlaw
Executive Director, Private Wealth Advisor, Senior Portfolio Manager
Phone:
(312) 453-9162(312) 453-9162
Angela Milan
Vice President
Phone:
(312) 453-9161(312) 453-9161
Richard Walker, CFP®
Assistant Vice President
Phone:
(312) 453-9163(312) 453-9163
About Jonathan Berry
Jonathan Berry is a Senior Vice President and Private Wealth Advisor with more than 30 years of experience serving ultra-high-net-worth families, entrepreneurs, and family offices. He works closely with clients to develop tailored wealth strategies designed to preserve capital, manage risk, and support long-term family philanthropic goals.
Jon began his professional journey at the United States Military Academy at West Point, where he earned his undergraduate degree and later served five years as a U.S. Army officer, attaining the rank of captain. Following his military service, Jon transitioned into the private sector with Andersen Consulting (now Accenture), helping large corporations improve operational efficiency through technology.
He went to earn his MBA from the University of Chicago Booth School of Business and joined J.P. Morgan’s Institutional Fixed Income Group, advising major mutual funds and insurance companies. In 1998, Jon brought his institutional experience to Morgan Stanley Private Wealth Management and has since played a key role in building one of the firm’s most established and respected advisory teams.
Jon in known for his disciplined investment approach, deep understanding of asset allocation, and commitment to helping clients manage complex, multigenerational wealth with clarity and purpose.
Jon began his professional journey at the United States Military Academy at West Point, where he earned his undergraduate degree and later served five years as a U.S. Army officer, attaining the rank of captain. Following his military service, Jon transitioned into the private sector with Andersen Consulting (now Accenture), helping large corporations improve operational efficiency through technology.
He went to earn his MBA from the University of Chicago Booth School of Business and joined J.P. Morgan’s Institutional Fixed Income Group, advising major mutual funds and insurance companies. In 1998, Jon brought his institutional experience to Morgan Stanley Private Wealth Management and has since played a key role in building one of the firm’s most established and respected advisory teams.
Jon in known for his disciplined investment approach, deep understanding of asset allocation, and commitment to helping clients manage complex, multigenerational wealth with clarity and purpose.
Securities Agent: TX, CA, CT, NV, MO, MA, PA, NY, MN, MI, WY, SD, IL, GA, DC, CO, IA, AZ, MT, MD, HI, WA, VA, KY, KS, IN, NJ, SC, PR, OH, DE, WI, TN, NE, FL; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1253054
NMLS#: 1253054
About Mike Laidlaw
Mike Laidlaw is a veteran Private Wealth Advisor with nearly 30 years of experience advising corporate executives, entrepreneurs, and multi-generational families. As a co-founder of the Berry Laidlaw Group at Morgan Stanley, he helps clients navigate the complexities of significant wealth with a focus on global strategy, tax-aware investing, and long-term legacy planning.
Originally from Adrian, Michigan, Mike grew up in a multi-generational family farming business where he developed a strong work ethic and long-term perspective. He earned his A.B. in Political Economics from Princeton University, where he was on the football and crew teams. After an injury ended his athletic career, Mike spent a year working at Value Investing Partners in Paris, which sparked his passion for global finance.
He began his career at Goldman Sachs in Chicago and New York before joining Morgan Stanley in 1997. After rotating through the firm’s institutional business, he returned to Chicago to build one of Morgan Stanley’s most established private wealth teams. Today, the group serves clients nationwide, with a strong presence in Chicago, Naples, Scottsdale, Aspen, St. Louis, and Columbus.
Mike remains actively involved with the Princeton alumni community through his leadership with the Princeton Club of Chicago.
Originally from Adrian, Michigan, Mike grew up in a multi-generational family farming business where he developed a strong work ethic and long-term perspective. He earned his A.B. in Political Economics from Princeton University, where he was on the football and crew teams. After an injury ended his athletic career, Mike spent a year working at Value Investing Partners in Paris, which sparked his passion for global finance.
He began his career at Goldman Sachs in Chicago and New York before joining Morgan Stanley in 1997. After rotating through the firm’s institutional business, he returned to Chicago to build one of Morgan Stanley’s most established private wealth teams. Today, the group serves clients nationwide, with a strong presence in Chicago, Naples, Scottsdale, Aspen, St. Louis, and Columbus.
Mike remains actively involved with the Princeton alumni community through his leadership with the Princeton Club of Chicago.
Securities Agent: WA, NV, AZ, TN, OH, NY, NJ, MT, MN, CT, WY, SC, NE, HI, FL, VA, MD, KY, DC, TX, SD, PR, MI, CO, MO, IN, OR, KS, IL, CA, IA, DE, WI, PA, MA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1252901
NMLS#: 1252901
About Angela Milan
Angela is a seasoned wealth management professional with over 30 years of experience supporting highly successful families. At Morgan Stanley, she provides essential operational support including cash flow management, asset allocation implementation, trade execution, and reporting.
She began her career at the Chicago Board of Trade and the Chicago Mercantile Exchange, where she developed a strong foundation in financial markets.
Angela later transitioned into wealth management, bringing her expertise and attention to detail to serve clients with complex financial needs. She is known for her reliability, responsiveness, and deep institutional knowledge.
In her current role, she ensures a seamless experience for clients and plays a key role in the day-to-day operations of the team.
She began her career at the Chicago Board of Trade and the Chicago Mercantile Exchange, where she developed a strong foundation in financial markets.
Angela later transitioned into wealth management, bringing her expertise and attention to detail to serve clients with complex financial needs. She is known for her reliability, responsiveness, and deep institutional knowledge.
In her current role, she ensures a seamless experience for clients and plays a key role in the day-to-day operations of the team.
Securities Agent: GA, DE, SC, OR, NV, NC, PA, MD, IN, HI, WY, WI, PR, NY, NM, MT, VA, MO, IL, CO, KS, AZ, TN, NE, MI, FL, CT, AR, NJ, MN, KY, IA, DC, TX, SD, OH, CA, WA, MA; General Securities Representative; Investment Advisor Representative; Managed Futures
About Richard Walker
Richard plays a key role in delivering high-level support to clients through asset allocation implementation, financial planning, product research, and order execution. He is also involved in prospect development and securities-based lending strategies.
As a CERTIFIED FINANCIAL PLANNER (CFP®), Richard brings a deep understanding of holistic financial planning and is committed to helping clients achieve long-term goals with clarity and confidence.
Before joining Morgan Stanley in 2011, Richard gained valuable experience in the technology sector which sharpened his analytical and problem-solving skills.
He earned his B.A. in Russian with honors from Grinnell College in 2004 and brings a unique blend of technical expertise and client service excellence to the team.
As a CERTIFIED FINANCIAL PLANNER (CFP®), Richard brings a deep understanding of holistic financial planning and is committed to helping clients achieve long-term goals with clarity and confidence.
Before joining Morgan Stanley in 2011, Richard gained valuable experience in the technology sector which sharpened his analytical and problem-solving skills.
He earned his B.A. in Russian with honors from Grinnell College in 2004 and brings a unique blend of technical expertise and client service excellence to the team.
Contact Jonathan Berry
Contact Mike Laidlaw
Wealth Management
Global Investment Office
Portfolio Insights
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
LISTEN | Passion Assets: Investing in Art
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Managing Significant Wealth
- Investment Management
- Wealth Transfer & Philanthropy
- Cash Management & Lending
- Family Governance & Wealth Education
- Lifestyle Advisory
- Business Services
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.
We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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 4237142 (02/2025)
