Ryan Clay
Associate Private Banker
Brian Jay, CFP®
Senior Vice President,
Financial Advisor,
Senior Vice President
Direct:
(203) 967-7020(203) 967-7020
My Mission Statement
Deliver a comprehensive client experience with solutions that help address the financial needs of individuals, families, and businesses as they evolve over time.
The Connecticut Yankee Group at Morgan Stanley
Advice Built Around Your Life
I believe meaningful financial advice begins with understanding what matters most to you — your family, your goals, your values, and the future you are working to build.
As a Financial Advisor with The Connecticut Yankee Group at Morgan Stanley, I work with individuals and families to bring clarity, structure, and confidence to important financial decisions. My focus is on helping clients create thoughtful, comprehensive plans that evolve with their lives, their priorities, and changing market conditions.
A Planning-First Approach
Every client's situation is different. That is why I begin by listening — learning about your family, your financial picture, your concerns, and the opportunities ahead.
From there, I help clients evaluate and coordinate key areas of their financial lives, including:
- Investment strategy
- Retirement planning
- Estate planning strategies
- Multigenerational wealth planning
- Risk management
- Lending and liquidity needs
- Philanthropic goals
- Tax-aware planning considerations
The goal is to help you make informed decisions with purpose — not only for today, but for the years and generations ahead.
A Multigenerational Perspective
In 2019, I joined forces with my father, Allan Jay, to create a multigenerational advisory team grounded in shared values, long-term relationships, and personal service.
Together, our team brings clients a balance of seasoned experience and forward-looking planning. We understand that wealth often carries both opportunity and responsibility — and we work closely with families to help preserve what they have built, prepare for what comes next, and guide wealth with intention.
Backed by Morgan Stanley
Our clients benefit from the personal attention of a dedicated team, along with access to the broad resources of Morgan Stanley. Morgan Stanley describes its Financial Advisors as helping clients develop personalized plans around goals such as retirement, tax efficiency, generational wealth, and philanthropy. (morganstanley.com)
For families navigating complexity, this combination of high-touch advice and institutional resources can be especially valuable.
Let's Begin with a Conversation
Choosing a financial advisor is ultimately about trust, fit, and confidence in the relationship.
If you are looking for thoughtful guidance, a disciplined planning process, and a team committed to long-term continuity, I welcome the opportunity to learn more about what matters most to you — and how we may be able to help.
Services Include
- Financial PlanningFootnote1
- Professional Portfolio ManagementFootnote2
- Asset Management
- Alternative InvestmentsFootnote3
- Fixed IncomeFootnote4
- Municipal BondsFootnote5
- Corporate BondsFootnote6
- Cash Management and Lending ProductsFootnote7
- Stock Option PlansFootnote8
- Planning for Education FundingFootnote9
- Qualified Retirement PlansFootnote10
- 401(k) Rollovers
- Retirement PlanningFootnote11
- Trust AccountsFootnote12
- Life InsuranceFootnote13
- Trust ServicesFootnote14
- Philanthropic ManagementFootnote15
- Donor Advised Funds
Securities Agent: MT, WI, RI, KS, FL, UT, PA, AZ, OR, OK, MA, VT, MI, ME, HI, VA, MD, IL, WA, NY, DC, SC, OH, NC, CO, CA, NM, NH, TX, NJ, DE, CT, IN, IA, GA, AL, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 1853462
NMLS#: 1853462
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Where Trust Is Earned
Click > to view more photos of our Stamford office.
New relationships always begin with an exploratory meeting to see if there’s compatibility. We take pride in having 4th generation clients as it exemplifies the trust we have built not only with an individual, but with a family. In many ways, we become part of the family and that is what brings us the most joy in our career.
New relationships always begin with an exploratory meeting to see if there’s compatibility. We take pride in having 4th generation clients as it exemplifies the trust we have built not only with an individual, but with a family. In many ways, we become part of the family and that is what brings us the most joy in our career.
Individuality
Our objective starts with knowing the individual. What are their ambitions? What do they value? What are their preferences? Where are they in life's journey? By way of understanding who they are, we can begin to identify what makes their strategy unique. (This discovery process is explained further in the ‘Process’ tab)
Stability
Financial Advisors may move from one firm to the next seeking better opportunities. In the slideshow above, there's a framed picture of Allan’s business cards. This serves as a reminder to our clients that the only change he’s made was to EF Hutton in 1980 (which through a series of mergers, eventually became Morgan Stanley). Notice the phone number has never changed.
Both Allan and I are happy and healthy in our routines. We have no plans to leave Morgan Stanley or to ever stop working.
Both Allan and I are happy and healthy in our routines. We have no plans to leave Morgan Stanley or to ever stop working.
Communication
When you want to speak with us, you’ll get us. Both Allan and I, along with our supporting team members, are extremely responsive to incoming requests. More so, our proactive approach sets us apart from other teams. Whether it is fixed income coming to maturity, planning updates, performance evaluations, important newsworthy events, market narratives, firm-wide promotions, or just to say hello; we genuinely like connecting with our people.
Resourcefulness
I believe we are ultimately chosen as custodians because of our ability to match the needs of our clients to the resources of our global institution. An established company like Morgan Stanley will have access to a greater selection of opportunities than a smaller firm with less resources to leverage. We find this scope and scale is a helpful advantage for our clients.
(For more information, please visit the ‘Morgan Stanley’ tab).
(For more information, please visit the ‘Morgan Stanley’ tab).
Simplification
Allan and I have educated and equipped ourselves to serve all the financial needs of those who trust our advice. We aim to provide simplification through consolidation and only if it is in the client’s best interest. Financial stewardship comes with vast responsibility. As an experienced team of ethical human beings, it’s our duty to serve others in this way.
We are honored by this trust.
We are honored by this trust.
Your Path to Financial Clarity and Confidence
Financial planning is more than just numbers—it's about understanding your life, your goals, and helping build a strategy that can grow with you. Our process is designed to uncover what matters most, provide thoughtful guidance, and help empower you to make confident decisions through every life stage. With a clear structure and personalized attention, we help you turn complexity into clarity and planning into progress. Here's what you can expect from our six-step financial planning journey:
Step 1: Getting to Know You
We begin with a conversation focused entirely on you. In this first step, we explore your values, lifestyle, and long-term goals to understand what financial success means in your world. Whether you're thinking about retirement, building generational wealth, or navigating a career transition, we take the time to understand your priorities and concerns. This relationship-driven approach lays the foundation for a meaningful and lasting relationship based on trust, transparency, and shared purpose.
Step 2: Discovery and Data Gathering
Once we've established your goals, we gather the details needed to build a full picture of your financial life. This includes reviewing income, assets, liabilities, investment accounts, insurance coverage, benefits, and estate planning documents. Just as important, we explore the context behind the numbers—such as family dynamics, lifestyle preferences, and legacy intentions. We also assess your comfort with financial risk to guide investment and planning decisions. This comprehensive discovery phase helps ensure we develop a strategy that fits your life, not just your balance sheet.
Step 3: Comprehensive Analysis and Evaluation
With the data in hand, we conduct a detailed analysis using advanced tools and professional insight. We evaluate your current financial structure in relation to your goals, identifying strengths and areas for improvement. We model various "what-if" scenarios—like market shifts, income changes, or major life events—and stress-test your plan in an effort to ensure it can adapt under pressure. If needed, we collaborate with outside professionals such as tax advisors or estate attorneys. This step provides the strategic clarity needed to potentially move forward with confidence.
Step 4: Plan Presentation and Recommendations
Next, we present your personalized financial plan, built to reflect your goals, risk tolerance, and time horizon. We walk you through every key element—investments, cash flow, retirement projections, tax-efficient investment strategy, estate planning strategies, and more—explaining not just what we recommend, but why. We answer three essential questions: What should you do? Why is it the right move? And what will it cost to implement? This collaborative session ensures that you understand your options, feel confident in the strategy, and are fully engaged in the decisions ahead.
Step 5: Implementation and Action
With your approval, we bring the plan to life. This step involves taking clear, coordinated actions—adjusting investments, updating insurance coverage, helping to optimize savings strategies, and implementing tax-advantaged solutions. We handle the logistics and timing while keeping you informed every step of the way. If necessary, we coordinate with your other advisors to help ensure everything aligns seamlessly. Our goal is to make the process efficient, smooth, and focused on real progress toward your financial objectives.
Step 6: Ongoing Monitoring and Support
Financial planning doesn't stop at implementation—it evolves with your life. We provide continuous monitoring to help keep your plan on track, along with regular reviews to adjust for life changes, market conditions, or new opportunities. Whether you're changing careers, receiving an inheritance, or planning for a new goal, we proactively adapt your strategy to stay aligned with what matters most. Through consistent communication, timely insights, and personalized support, we stay connected to your financial world and committed to your long-term success.
Experiencing the Morgan Stanley Difference
When I first joined Morgan Stanley, I quickly came to appreciate the depth and scale of the firm’s platform. What stood out to me was not simply the breadth of resources, but the way those resources could be thoughtfully applied to help clients make more informed decisions.
Morgan Stanley offers access to a global network of investment insight, planning capabilities, lending resources, cash management solutions, estate planning strategies, philanthropic guidance, insurance solutions, and sustainable investing tools. For clients, that means our relationship can extend well beyond investment management.
My role is to help make those capabilities accessible, understandable, and relevant to your life.
Whether you are preparing for retirement, managing wealth across generations, evaluating a lending need, selling a business, supporting family members, or thinking about your legacy, our team can help coordinate the right resources at the right time.
Below are several areas where Morgan Stanley’s platform can help enhance the advice and service we provide.
Morgan Stanley offers access to a global network of investment insight, planning capabilities, lending resources, cash management solutions, estate planning strategies, philanthropic guidance, insurance solutions, and sustainable investing tools. For clients, that means our relationship can extend well beyond investment management.
My role is to help make those capabilities accessible, understandable, and relevant to your life.
Whether you are preparing for retirement, managing wealth across generations, evaluating a lending need, selling a business, supporting family members, or thinking about your legacy, our team can help coordinate the right resources at the right time.
Below are several areas where Morgan Stanley’s platform can help enhance the advice and service we provide.
Investment Insight and Market Perspective
Our clients benefit from the intellectual capital of Morgan Stanley, including perspectives from the firm’s Global Investment Committee and broader network of analysts, strategists, and investment professionals. Morgan Stanley describes its Global Investment Committee as the group responsible for shaping Wealth Management’s asset allocation guidance for clients.
We use these insights to help inform our investment outlook, evaluate market conditions, and guide client conversations with clarity and discipline.
For clients who want to stay current, we can share timely commentary, market updates, research, reports, and educational resources as part of our ongoing service.
What this means for you:
You do not have to navigate complex markets alone. Our goal is to help you understand what is happening, why it matters, and how it may affect your plan.
We use these insights to help inform our investment outlook, evaluate market conditions, and guide client conversations with clarity and discipline.
For clients who want to stay current, we can share timely commentary, market updates, research, reports, and educational resources as part of our ongoing service.
What this means for you:
You do not have to navigate complex markets alone. Our goal is to help you understand what is happening, why it matters, and how it may affect your plan.
Investment Manager Research and Due Diligence
Selecting investment managers requires more than reviewing recent performance. It calls for a disciplined process, thoughtful analysis, and ongoing oversight.
Through Morgan Stanley, we have access to investment manager research and due diligence resources designed to help evaluate managers across asset classes, strategies, performance history, risk controls, fees, and consistency of process.
What this means for you:
We can help identify investment solutions that align with your objectives, risk tolerance, time horizon, and broader financial plan — while continuing to monitor whether those solutions remain appropriate over time.
Through Morgan Stanley, we have access to investment manager research and due diligence resources designed to help evaluate managers across asset classes, strategies, performance history, risk controls, fees, and consistency of process.
What this means for you:
We can help identify investment solutions that align with your objectives, risk tolerance, time horizon, and broader financial plan — while continuing to monitor whether those solutions remain appropriate over time.
Cash Management
Managing cash is an important part of managing wealth.
Morgan Stanley’s CashPlus offering is designed as a modern cash management solution that allows eligible clients to manage day-to-day cash needs alongside their investments, with features such as 24/7 service access, online and mobile capabilities, bill pay, debit card access, mobile check deposit, Zelle®, and unlimited ATM fee rebates worldwide.
What this means for you:
By coordinating cash management with your broader investment relationship, we can help simplify the way you access liquidity, manage spending, and maintain visibility across your financial life.
Morgan Stanley’s CashPlus offering is designed as a modern cash management solution that allows eligible clients to manage day-to-day cash needs alongside their investments, with features such as 24/7 service access, online and mobile capabilities, bill pay, debit card access, mobile check deposit, Zelle®, and unlimited ATM fee rebates worldwide.
What this means for you:
By coordinating cash management with your broader investment relationship, we can help simplify the way you access liquidity, manage spending, and maintain visibility across your financial life.
Lending and Liquidity Strategies
Thoughtful borrowing can be an important part of a comprehensive wealth plan.
Through Morgan Stanley lending solutions, eligible clients may be able to access financing for real estate, business needs, taxes, estate planning, or other significant expenses. Morgan Stanley notes that securities-based lending may provide access to liquidity while helping clients keep their longer-term investment strategy intact, though borrowing against securities involves risks and is not appropriate for everyone.
Working with our local Private Banker, we can help evaluate options such as:
Residential mortgages
Home lending solutions
Liquidity Access Lines
Tailored Lending
Other customized credit strategies, where appropriate
What this means for you:
We look at both sides of your balance sheet — assets and liabilities — to help determine whether a lending strategy may support your goals without unnecessarily disrupting your investment plan.
Through Morgan Stanley lending solutions, eligible clients may be able to access financing for real estate, business needs, taxes, estate planning, or other significant expenses. Morgan Stanley notes that securities-based lending may provide access to liquidity while helping clients keep their longer-term investment strategy intact, though borrowing against securities involves risks and is not appropriate for everyone.
Working with our local Private Banker, we can help evaluate options such as:
Residential mortgages
Home lending solutions
Liquidity Access Lines
Tailored Lending
Other customized credit strategies, where appropriate
What this means for you:
We look at both sides of your balance sheet — assets and liabilities — to help determine whether a lending strategy may support your goals without unnecessarily disrupting your investment plan.
Estate Planning Strategies
Estate planning is about more than transferring assets. It is about protecting the people, causes, and priorities that matter most.
While we do not draft legal documents, we can work alongside your estate attorney, accountant, and other trusted advisors to help you think through important planning considerations, including asset titling, beneficiary designations, liquidity needs, family governance, charitable intentions, and wealth transfer goals.
What this means for you:
We help bring organization and coordination to the estate planning conversation, so your financial strategy reflects the legacy you want to create.
While we do not draft legal documents, we can work alongside your estate attorney, accountant, and other trusted advisors to help you think through important planning considerations, including asset titling, beneficiary designations, liquidity needs, family governance, charitable intentions, and wealth transfer goals.
What this means for you:
We help bring organization and coordination to the estate planning conversation, so your financial strategy reflects the legacy you want to create.
Charitable Giving
For many families, wealth is not only about what they accumulate, but also about the impact they hope to make.
Morgan Stanley can help clients explore charitable giving strategies, including donor-advised funds, which may provide a flexible and tax-efficient way to support charitable organizations over time. These strategies may be especially useful when funded with appreciated securities, depending on a client’s circumstances.
What this means for you:
We can help you align your giving with your values, evaluate the timing and structure of charitable gifts, and incorporate philanthropy into your broader financial plan.
Morgan Stanley can help clients explore charitable giving strategies, including donor-advised funds, which may provide a flexible and tax-efficient way to support charitable organizations over time. These strategies may be especially useful when funded with appreciated securities, depending on a client’s circumstances.
What this means for you:
We can help you align your giving with your values, evaluate the timing and structure of charitable gifts, and incorporate philanthropy into your broader financial plan.
Insurance and Risk Management
A strong financial plan should also consider what could disrupt it.
Morgan Stanley offers access to insurance solutions, including life insurance, long-term care insurance, and disability income insurance, designed to help clients manage risk and protect against uncertainty. Through Morgan Stanley’s digital insurance capabilities, advisors can help assess insurance needs, review potential solutions, and educate clients on available options.
What this means for you:
We help identify potential gaps in protection and evaluate whether insurance may play a role in preserving your family’s financial security.
Morgan Stanley offers access to insurance solutions, including life insurance, long-term care insurance, and disability income insurance, designed to help clients manage risk and protect against uncertainty. Through Morgan Stanley’s digital insurance capabilities, advisors can help assess insurance needs, review potential solutions, and educate clients on available options.
What this means for you:
We help identify potential gaps in protection and evaluate whether insurance may play a role in preserving your family’s financial security.
Investing with Impact
Some clients want their investments to reflect not only their financial goals, but also their values.
Morgan Stanley Impact Quotient®, launched in July 2019, is a sustainable investing analytics and reporting application designed to help Wealth Management clients better understand how their portfolios align with social and environmental objectives.
What this means for you:
If sustainable or impact investing is important to you, we can help evaluate how those priorities may be incorporated into your investment strategy while remaining focused on your long-term financial objectives.
Morgan Stanley Impact Quotient®, launched in July 2019, is a sustainable investing analytics and reporting application designed to help Wealth Management clients better understand how their portfolios align with social and environmental objectives.
What this means for you:
If sustainable or impact investing is important to you, we can help evaluate how those priorities may be incorporated into your investment strategy while remaining focused on your long-term financial objectives.
Client Service Team
Allan Jay, CFP® - Senior Vice President, Financial Advisor, Family Wealth Director
Phone:
(203) 356-0844(203) 356-0844
Email:allan.jay@morganstanley.com
Securities Agent: IN, MT, TX, NY, MI, MA, HI, WI, VI, AZ, WA, UT, AK, OR, NJ, GA, SC, PA, NV, VA, RI, NH, DE, CA, ME, MD, FL, DC, OH, NC, IL, IA, CT, AL, VT, OK, MN, KS, NM, CO; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
Helaine Devore - Senior Client Service Associate
Phone:
(203) 356-0841(203) 356-0841
Email:Helaine.Devore@morganstanley.com
Location
4 Landmark Square 2nd
Floor
Stamford, CT 06901
US
Direct:
(203) 967-7020(203) 967-7020
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
Angelo Loumbas
Family Office Resource Generalist
Chris Smith
Trust Specialist
About Ryan Clay
Ryan Clay is an Associate Private Banker serving Morgan Stanley Wealth Management offices in New York, Connecticut, and Massachusetts.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Ryan began his career in financial services in 2017 and joined Morgan Stanley in 2025 as an Associate Private Banker. Prior to joining the firm, he was a Wealth Management Banker at UBS. He also served as a Regional Lending Manager at the Advisor Credit Exchange.
Ryan is a graduate of Drew University, where he received a Bachelor of Arts in Economics. He lives in Hoboken, New Jersey with his wife. Outside of the office, Ryan enjoys spending time with friends and family, cooking, and training for his next marathon.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Ryan began his career in financial services in 2017 and joined Morgan Stanley in 2025 as an Associate Private Banker. Prior to joining the firm, he was a Wealth Management Banker at UBS. He also served as a Regional Lending Manager at the Advisor Credit Exchange.
Ryan is a graduate of Drew University, where he received a Bachelor of Arts in Economics. He lives in Hoboken, New Jersey with his wife. Outside of the office, Ryan enjoys spending time with friends and family, cooking, and training for his next marathon.
NMLS#: 2258834
About Angelo Loumbas
Angelo is the Family Office Resources Generalist in the Northeast Region. Angelo provides in depth knowledge to ultra-high net worth (UHNW) clients and Financial Advisors across a broad range of family wealth and family office management matters. His area of focus includes family governance, wealth education,, strategic estate and financial planning, philanthropy management, lifestyle advisory, and customized asset allocation and portfolio construction. Angelo has over 25 years’ experience advising wealthy families, business owners, and philanthropic organizations.
Originally from Chicago and now residing in Westchester County, New York, , Angelo practiced law for 15 years and represented UHNW clients, closely held businesses, and major philanthropic organizations. He is admitted to the Society of Trust and Estate Practitioners and has been asked to speak over the years before tax, trust and estate committees of estate planning councils and other organizations. Angelo has also contributed thought leadership through Morgan Stanley’s Family Legacy and Governance Institute leadership series and authored an article for Barrons.com, “Should I Invest in My Kid’s Start-Up? Financial Advisors Can Help Clients Decide” (2023).
Angelo has been advising UHNW clients in the financial services industry for over 17 years, with 13 of those years at Morgan Stanley in Chicago and New York. He earned his J.D. from Indiana University at Bloomington, his M.B.A. from the University of Notre Dame, and B.A. from DePaul University. He also holds his Series 7, 66 and 24 licenses. In addition, Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club (2009-2010).
Originally from Chicago and now residing in Westchester County, New York, , Angelo practiced law for 15 years and represented UHNW clients, closely held businesses, and major philanthropic organizations. He is admitted to the Society of Trust and Estate Practitioners and has been asked to speak over the years before tax, trust and estate committees of estate planning councils and other organizations. Angelo has also contributed thought leadership through Morgan Stanley’s Family Legacy and Governance Institute leadership series and authored an article for Barrons.com, “Should I Invest in My Kid’s Start-Up? Financial Advisors Can Help Clients Decide” (2023).
Angelo has been advising UHNW clients in the financial services industry for over 17 years, with 13 of those years at Morgan Stanley in Chicago and New York. He earned his J.D. from Indiana University at Bloomington, his M.B.A. from the University of Notre Dame, and B.A. from DePaul University. He also holds his Series 7, 66 and 24 licenses. In addition, Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club (2009-2010).
About Chris Smith
Chris Smith is an Executive Director and Head of Morgan Stanley’s Trust Services Group. As a 30-year employee of Morgan Stanley, Chris is responsible for maintaining the “Open Architecture” trustee platform, which consists of thirteen third-party trust companies who can serve in a fiduciary, agency or custodial role for ultra-high-net worth client trust accounts. Chris and the Trust Services Group help Advisors, clients, prospects and the professional community understand the corporate trustee services available through Morgan Stanley and how our corporate trustee partners can be used to provide fiduciary solutions for clients. This involves reviewing trust document and statements as well as analyzing family dynamics. Chris then uses this information to recommend one or more of the firm’s third-party corporate trustee partners to possibly serve as trustee, co-trustee or administrative agent for a client trust account.
Prior to joining Morgan Stanley (Dean Witter), Chris worked in the Retirement Plans department of Prudential Securities and prior to that the District Agency department of Prudential Insurance Company. Chris holds a Bachelor of Arts degree in Communication/Journalism and Psychology from St. John Fisher College in Rochester, NY. He lives in Saratoga Springs, NY with his wife Sharon and two boys, Ryan and Michael and has a passion for golf, skiing and horse racing.
Prior to joining Morgan Stanley (Dean Witter), Chris worked in the Retirement Plans department of Prudential Securities and prior to that the District Agency department of Prudential Insurance Company. Chris holds a Bachelor of Arts degree in Communication/Journalism and Psychology from St. John Fisher College in Rochester, NY. He lives in Saratoga Springs, NY with his wife Sharon and two boys, Ryan and Michael and has a passion for golf, skiing and horse racing.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Morgan Stanley 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 trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley 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.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
Morgan Stanley, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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 trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley 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.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
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
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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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
Iran Conflict: Seven Takeaways for Investors
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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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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
Ready to start a conversation? Contact Brian Jay today.
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.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Alternative 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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Municipal 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Morgan 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
8Morgan 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.
9When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10When 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.
11When 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.
12Morgan 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.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Morgan 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.
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 and other legal matters.
15Products 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.
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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Alternative 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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Municipal 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Morgan 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
8Morgan 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.
9When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10When 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.
11When 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.
12Morgan 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.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Morgan 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.
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 and other legal matters.
15Products 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.
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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
