Mark T Curtis
Managing Director, Stock Plan Director, Financial Planning Specialist, Family Wealth Director, International Client Advisor, Investing with Impact Director
Brandon Higa, CRPC®
First Vice President, Wealth Management,
Financial Advisor,
Global Sports and Entertainment Director,
Executive Financial Services Director,
Portfolio Management Director,
Workplace Advisor - Equity Compensation,
Chartered Retirement Planning Counselor
Direct:
(310) 544-3681(310) 544-3681
My Mission Statement
I am dedicated to empowering my clients to make informed financial decisions that positively impact themselves, their loved ones, and their philanthropic endeavors
My Story and Services
For more than 20 years, Brandon has had the honor of working with individuals, families, and institutions helping them to achieve their financial objectives. Brandon now brings his wealth of experience as a Senior Partner to The South Bay Group at Morgan Stanley. Brandon and his team focus intently on building long term relationships, striving to provide premium client service, and ultimately producing first-class overall results!
In his current roles as a Global Sports and Entertainment Director, Senior Portfolio Manager, Vice President: Wealth Management, and as a Workplace advisor - Equity Compensation, Brandon epitomizes excellence in financial stewardship. He also holds the Chartered Retirement Planning Counselor designation from The College for Financial Planning.
In his capacity as a Global Sports and Entertainment Director, Brandon demonstrates his commitment in providing insightful financial advising services to athletes, sports professionals, and entertainers worldwide. Additionally, Brandon has completed the Sports and Entertainment Accredited Wealth Management Advisor (SE-AWMA) course through the College for Financial Planning. These accomplishments highlight his dedication to understanding the financial needs and challenges faced by clients in the dynamic worlds of sports and entertainment. Brandon also spent over 30 years of his life as an actor which has allowed him to experience firsthand the complexities of the entertainment industry.
As a Executive Financial Services Director Brandon focuses on helping Executives and Insider/Rule 144 Affiliate clients effectively navigate the complex landscape of insider trading regulations and reporting requirements. From 10b5-1 trading plans to Rule 144 form filing and tax mitigation strategies, Brandon provides hands-on support for your executives’ equity compensation plans.
Brandon comes from E*TRADE, where he spent 13 years as a Corporate Services Financial Consultant and Senior Financial Consultant, working with numerous ultra-high net worth clients from the corporate services and retail wealth management sectors. Throughout his career, Brandon earned the Circle of Excellence award three times during his tenure at E*TRADE.
Currently residing in Rancho Palos Verdes with his wife and three children, Brandon enjoys working out, playing golf, watching various sports, and exploring new restaurants in his free time.
Brandon earned a membership in the prestigious Pacesetter's Club in 2024 and 2025, showcasing his outstanding dedication and leadership in the industry and at Morgan Stanley. https://mgstn.ly/48yHOEI
In his current roles as a Global Sports and Entertainment Director, Senior Portfolio Manager, Vice President: Wealth Management, and as a Workplace advisor - Equity Compensation, Brandon epitomizes excellence in financial stewardship. He also holds the Chartered Retirement Planning Counselor designation from The College for Financial Planning.
In his capacity as a Global Sports and Entertainment Director, Brandon demonstrates his commitment in providing insightful financial advising services to athletes, sports professionals, and entertainers worldwide. Additionally, Brandon has completed the Sports and Entertainment Accredited Wealth Management Advisor (SE-AWMA) course through the College for Financial Planning. These accomplishments highlight his dedication to understanding the financial needs and challenges faced by clients in the dynamic worlds of sports and entertainment. Brandon also spent over 30 years of his life as an actor which has allowed him to experience firsthand the complexities of the entertainment industry.
As a Executive Financial Services Director Brandon focuses on helping Executives and Insider/Rule 144 Affiliate clients effectively navigate the complex landscape of insider trading regulations and reporting requirements. From 10b5-1 trading plans to Rule 144 form filing and tax mitigation strategies, Brandon provides hands-on support for your executives’ equity compensation plans.
Brandon comes from E*TRADE, where he spent 13 years as a Corporate Services Financial Consultant and Senior Financial Consultant, working with numerous ultra-high net worth clients from the corporate services and retail wealth management sectors. Throughout his career, Brandon earned the Circle of Excellence award three times during his tenure at E*TRADE.
Currently residing in Rancho Palos Verdes with his wife and three children, Brandon enjoys working out, playing golf, watching various sports, and exploring new restaurants in his free time.
Brandon earned a membership in the prestigious Pacesetter's Club in 2024 and 2025, showcasing his outstanding dedication and leadership in the industry and at Morgan Stanley. https://mgstn.ly/48yHOEI
Services Include
- Stock Plan ServicesFootnote1
- Business Succession PlanningFootnote2
- Business PlanningFootnote3
- Wealth ManagementFootnote4
- Professional Portfolio ManagementFootnote5
- Alternative InvestmentsFootnote6
- Retirement PlanningFootnote7
- Trust AccountsFootnote8
- Asset Management
- Endowments and FoundationsFootnote9
- Estate Planning StrategiesFootnote10
- Financial PlanningFootnote11
- Fixed IncomeFootnote12
- Cash Management and Lending ProductsFootnote13
- Life InsuranceFootnote14
- Municipal BondsFootnote15
- Structured ProductsFootnote16
- Executive Financial ServicesFootnote17
Securities Agent: ND, FL, AL, NM, IN, WY, VA, PA, OK, MT, GA, CO, WA, VT, NV, MO, DE, CT, WI, TN, SC, RI, PR, NE, MI, KS, WV, AZ, TX, OH, MD, IL, AR, KY, ID, MN, DC, UT, OR, NJ, NC, MA, CA, SD, NY, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 2443880
CA Insurance License #: 0F42598
NMLS#: 2443880
CA Insurance License #: 0F42598
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Equity Planning for Executives, Private Companies, and Stock Plan Participants
Morgan Stanley Workplace Advisor - Equity Compensation are financial advisors who receive rigorous training and education on company specific plans to service their clients’ needs. These designated advisors can help you determine how your equity compensation fits into your overall goals and financial strategy. Our team focuses on:
- Educating recipients of equity awards on their value and tax qualities
- Developing custom strategies to integrate equity compensation into broader financial plan
- Working with other advisors (ex. Accountant/CPA) to create option exercise strategies in order to help achieve lower tax rates on sales and avoid AMT tax
- Executing strategies in an effort to maximize the value of employer stock grants and employee stock purchase plans
- Working with Executives to put together 10b5-1 plans for employee trading
- Supporting private and public companies with their needs through every stage of their business
- Educating recipients of equity awards on their value and tax qualities
- Developing custom strategies to integrate equity compensation into broader financial plan
- Working with other advisors (ex. Accountant/CPA) to create option exercise strategies in order to help achieve lower tax rates on sales and avoid AMT tax
- Executing strategies in an effort to maximize the value of employer stock grants and employee stock purchase plans
- Working with Executives to put together 10b5-1 plans for employee trading
- Supporting private and public companies with their needs through every stage of their business
Morgan Stanley at Work
Whether you’re a global corporation or a growing start-up, we understand your needs and offer tailored solutions and technology to help meet them.
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Managing a Concentrated Stock Position
We can help qualified investors unlock solutions that enable you to diversify in a tax-smart way.
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Private Markets Secondary Transaction Desk
Companies are staying private longer, warranting the need for liquidity solutions. Through our Private Market Secondary Transaction Desk, qualified investors can gain access to buy and sell a distinct array of private market opportunities stemming from Morgan Stanley's unique ecosystem encompassing Companies, Wealth Management Clients, and Institutional Investors.
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Executive Financial Services
We can help you manage both your equity compensation and complex financial needs so you can focus on moving your company forward.
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Liquidity Planning: IPO, Corporate Tenders, M&A Readiness
We help companies access tailored solutions and support to run liquidity events and manage secondary transactions with confidence.
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Equity Cap Table Management with Shareworks
Simplify cap table management and provide a unified, real-time view for stakeholders with an intuitive digital solution.
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409A Valuations at Every Stage of Growth
The numbers make it clear: We know 409A Valuations. Feel confident in yours with decades of experience and domain knowledge on your side.
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Work & Money Learning Center
Explore resources and insights designed to help you make the most of your financial life at every stage.
Learn MoreGlobal Sports and Entertainment
As a Global Sports and Entertainment Director, Brandon Higa has the dedicated experience, continuing education and access to world-class resources needed to understand the complexities and pressures facing high-achieving professionals in the sport and entertainment industries, and to help them make smart choices about how they save, spend, invest, borrow, preserve and give. He is equipped in providing financial advising services to professionals in all areas of entertainment from athletes to artists, actors, content creators, and beyond.
Working in sports and entertainment, Brandon understands the unique demands that come with a career as a professional athlete, coach or industry executive. His experience understanding schedules, variability of income, and the demands that come from life inside and outside of a profession in sports gives him the ability to tap into a range of resources needed to address your unique immediate financial challenges, and to create comprehensive plans to help reach your long-term goals.
Working in sports and entertainment, Brandon understands the unique demands that come with a career as a professional athlete, coach or industry executive. His experience understanding schedules, variability of income, and the demands that come from life inside and outside of a profession in sports gives him the ability to tap into a range of resources needed to address your unique immediate financial challenges, and to create comprehensive plans to help reach your long-term goals.
From Athlete to Entrepreneur
Many athletes think about their careers after sports, with some choosing to become entrepreneurs. Learn how a trusted Financial Advisor can help plan for success.
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Money in the Making
Your dream. Our team. Find out how Morgan Stanley Global Sports & Entertainment can help you create a plan for your financial future.
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Equity for Endorsement
Star athletes and entertainers have been inking endorsement deals that include equity compensation. Here’s what to consider when determining whether this approach makes sense for you.
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Name, Image, and Likeness (NIL)
NCAA college athletes now have the opportunity to benefit from their name, image and likeness. Understanding the rules in addition to practicing good financial fitness will be essential to setting up your future.
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Making it to Draft Day
The journey to becoming a professional athlete is life-changing–and there are inherent challenges along the way.
Learn MoreRegardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisor, I can help you achieve your financial goals.
Using a suite of tools that includes goal-specific analysis, I can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Using a suite of tools that includes goal-specific analysis, I can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
2025 Tax Tables
This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
2025 Tax Tables
Manage Debt
We thoroughly review your mortgage, car loans, credit cards, and any other debts that you may have in order to help determine where you can save on interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.
Insurance
We take an extremely close look at your financial profile to decipher what type(s) of insurance most fit your needs, and determine if your current insurance policies are best suited for you and your goals.
Retirement
Leading up to and through retirement, Cornerstone Capital helps you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve for financial goals.
Estate Planning Strategies
Regardless of your current financial circumstances, it is crucial to have a backup plan for your money. We regularly review your finances with you and coordinate with your estate attorney to help ensure that your wishes are met in the most efficient and cost-effective way possible.
Managing Investments
We take care of your retirement accounts and other investments based on your comfort level with risk and your current tax circumstances, tailoring your financial strategy to your unique situation, needs, and goals.
Awards and Media
Pacesetter's Club
Pacesetter's Club Member 2025
Pacesetter's Club Member 2024
An award that recognizes an elite group of the Firm's Financial Advisors for their dedication to providing first-class service to clients.
Pacesetter's Club Member 2024
An award that recognizes an elite group of the Firm's Financial Advisors for their dedication to providing first-class service to clients.
Considerations on Your Road to Retirement
Whether you're starting out in your career, or you're a few years from retirement, or you find yourself somewhere in between, retirement looks different for everyone. Check out this video from Brandon Higa, Financial Advisor, to learn more about how The South Bay Group can help guide you through every step of your retirement journey.
Click to Watch Video
3 Financial Tips I Tell People in Their 30s
The South Bay Group has spent years helping clients figure out what to do with their finances. Watch this video to learn more about 3 Financial Tips Brandon Higa, Financial Advisor, Tells People in Their 30s.
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Celebrating the 10th Anniversary of Global Sports & Entertainment
There’s no limit to your potential—during your career and beyond. Morgan Stanley Global Sports & Entertainment (GSE) pairs advanced experience in your complex industry with the global resources of a top-tier firm to help you achieve financial independence today and a legacy of greatness tomorrow.
Global Sports and EntertainmentLocation
609 Deep Valley Dr
Ste 400
Rolling Hills Est, CA 90274
US
Direct:
(310) 544-3681(310) 544-3681
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
Drew Zager
Managing Director, Private Wealth Management, Private Wealth Advisor
Jon Neuhaus
Managing Director, Private Wealth Management, Private Wealth Advisor
Joseph McCullough, CFA
Managing Director, Private Wealth Management, Private Wealth Advisor
Molly Sakahara, CFP®
Financial Planning Director, Assistant Vice President
About Molly Sakahara
Molly Sakahara is an Assistant Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in the Los Angeles area. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Molly began her career in financial services in 1999 and joined Morgan Stanley in 2015. Prior to her current position, she held positions in wealth management and private banking with an emphasis on helping individuals achieve long term life goals and understanding client’s value system in relation to their wealth.
Molly graduated from UCLA and holds her Certified Financial Planner® designation, California insurance state licensing, and Series 7 and 65. She currently resides in South Pasadena, California with her spouse and two children. Outside of work, she is a squash coach at PlayLA, a committee volunteer with UCLA Chancellor’s Society, is the founder and administrator of Buy Nothing Group for her local city, and serves on the Board of Directors for SoCal Squash Association.
Molly began her career in financial services in 1999 and joined Morgan Stanley in 2015. Prior to her current position, she held positions in wealth management and private banking with an emphasis on helping individuals achieve long term life goals and understanding client’s value system in relation to their wealth.
Molly graduated from UCLA and holds her Certified Financial Planner® designation, California insurance state licensing, and Series 7 and 65. She currently resides in South Pasadena, California with her spouse and two children. Outside of work, she is a squash coach at PlayLA, a committee volunteer with UCLA Chancellor’s Society, is the founder and administrator of Buy Nothing Group for her local city, and serves on the Board of Directors for SoCal Squash Association.
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.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Wealth Management
Global Investment Office
Portfolio Insights
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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
Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
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 Brandon Higa today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan 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.
5Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
6Alternative 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.
7When 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.
8Morgan 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.
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 and other legal matters.
11Morgan 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.
12Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
13Morgan 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
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Municipal 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.
16Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
17Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan 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.
5Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
6Alternative 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.
7When 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.
8Morgan 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.
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 and other legal matters.
11Morgan 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.
12Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
13Morgan 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
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Municipal 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.
16Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
17Morgan 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.
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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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
