Kari Groot
Portfolio Associate
Phone:
(425) 202-0663(425) 202-0663
Brian P Sullivan, CFP®, CIMA®
Senior Vice President,
Financial Advisor,
Senior Portfolio Management Director
Direct:
(425) 455-8061(425) 455-8061
Toll-Free:
(800) 733-6650(800) 733-6650
Industry Award WinnerMy Mission Statement
By building a relationship based on communication and trust, we focus on financial planning to help clients pursue what is most important in their lives.
Story and Services
As a CERTIFIED FINANCIAL PLANNER® practitioner and a Certified Investment Management Analyst®, I help individual and institutional clients make decisions to build, manage and protect their wealth through a personalized and disciplined process.
Success in achieving important financial goals starts with a comprehensive wealth strategy. This helps us define what is most important to you so we can formulate strategies that are suited for your needs, whether you are accumulating wealth, investing for growth and income or solidifying your retirement spending plan with a distribution approach that helps meet your lifestyle and legacy goals.
Your financial success is my top priority. By working with me you will have confidence and peace of mind that you’re on track to meet your financial goals, allowing you to focus on what's important to you.
The Strength of Morgan Stanley Wealth Management
Morgan Stanley serves many of the world’s most sophisticated and demanding institutional and individual investors. Our global presence and experience allow us to provide our clients with financial advice, integrated solutions and intelligence across all the world’s major markets.
Morgan Stanley Wealth Management Clients have entrusted a total of more than $6.0 trillion in assets with Morgan Stanley as of January, 1st, 2025, making us one of the world’s leading wealth management firms. We strive for excellence in advising clients and helping them manage their wealth.
Whether you are looking for a financial advisor or wanting a second opinion, I welcome you to schedule an appointment and explore the opportunity of working together toward your financial goals.
Please see the link below to my Morgan Stanley team website:
Success in achieving important financial goals starts with a comprehensive wealth strategy. This helps us define what is most important to you so we can formulate strategies that are suited for your needs, whether you are accumulating wealth, investing for growth and income or solidifying your retirement spending plan with a distribution approach that helps meet your lifestyle and legacy goals.
Your financial success is my top priority. By working with me you will have confidence and peace of mind that you’re on track to meet your financial goals, allowing you to focus on what's important to you.
The Strength of Morgan Stanley Wealth Management
Morgan Stanley serves many of the world’s most sophisticated and demanding institutional and individual investors. Our global presence and experience allow us to provide our clients with financial advice, integrated solutions and intelligence across all the world’s major markets.
Morgan Stanley Wealth Management Clients have entrusted a total of more than $6.0 trillion in assets with Morgan Stanley as of January, 1st, 2025, making us one of the world’s leading wealth management firms. We strive for excellence in advising clients and helping them manage their wealth.
Whether you are looking for a financial advisor or wanting a second opinion, I welcome you to schedule an appointment and explore the opportunity of working together toward your financial goals.
Please see the link below to my Morgan Stanley team website:
Securities Agent: MD, CA, MN, ID, UT, NY, MA, NV, NC, MT, FL, AZ, IA, OR, CO, WA, HI, GA, WY, TX, IN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278577
NMLS#: 1278577
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
I work with a wide range of clients including successful multigenerational families, corporate executives, and business owners. Though all my clients have unique issues and needs- all appreciate my sincerity, unbiased opinion, proactive management and straightforward process in helping them achieve their financial goals.
Life Stages
Whatever stage in life or period of transition you are in, I can help. A change in employers can be an ideal time to decide what you want to do with your accumulated retirement funds. Whether it’s rolling over to an IRA or leaving the funds in your former employer’s 401(k) plan, call or email to see how I can assist you make informed decisions.
My Service
My commitment centers on a continual assessment of your goals, investments & performance while working with your other advisors, CPAs or Attorneys, to help you identify potential opportunities, reduce fees and simplify your life. To learn more, call or send an email.
Referrals
The introductions that I have received from my clients' business and personal contacts are greatly appreciated. If I can be of assistance to your colleagues, family or friends in helping them to achieve their financial goals, have them reach out.
Family Planning
I emphasize financial planning for the entire family. As a CERTIFIED FINANCIAL PLANNIER® practitioner I am here to bring clarity and focus on what matters most to you. Understanding your family's financial picture is critical to your financial independence and long-term success. I will bring clarity to your financial goals and provide understanding to the solutions deployed, so you can be confident in your plan and your family's future.
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our cutting edge tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Investment Advisory
Manage your investments within a holistic advisory relationship and take advantage of integrated tax, risk management and estate planning benefits across your entire wealth strategy—backed by leading insights and one of the financial industry's most comprehensive, multi-award-winning advisory platform.
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income. From simplified vehicles available more broadly to institutional strategies, the platform supports a goals-based approach for asset allocation tailored to investor needs.
Morgan Stanley Alternative Investments
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential, manage unrealized gains and help keep more of what you earn.
Learn More
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
Security Center
Safeguarding your assets and information is one of our highest priorities, but you also have a critical role to play. Check out our collection of practical takeaways and best practices from our cybersecurity professionals, then explore a few of the ways we help protect you.
Read MoreWhat do the CFP® and CIMA® designations mean and what it means to YOU
Being a CFP® or Certified Financial Planner® practitioner, means that one has met the rigorous educational and testing requirements required to attain this certification. Certified Financial Planner® practitioners also agree to adhere to the CFP Board’s strict code of ethics, professional responsibility standards and meet ongoing education requirements.
Although many professionals may call themselves “Financial Planners,” only those who have fulfilled the rigorous requirements of the CFP® Board can display the CFP® mark. It indicates in-depth knowledge of issues such as investment planning, tax planning, retirement planning, insurance planning and estate planning. This helps us to facilitate better, more impactful advisement with you, your accountants and attorneys.
Being a CIMA® or Certified Investment Management Analyst means that one has completed extensive training, including instruction at the University of Pennsylvania’s Wharton School, a leading school of finance; and agreed to adhere to the Investment Management Consultants Association’s code of ethics and meet ongoing education requirements.
A CIMA® is more qualified to manage investment portfolios and often manages portfolios for high net worth and institutional clients. Their training and experience is in advanced investment consulting, developing investment policy guidelines, optimization of portfolio strategies, quantitative and qualitative selection criteria for manager searches and monitoring of portfolio performance. This leads to better structure and consistency in portfolio management.
BA - Business/Finance Western Washington University
Certified Financial Planner® practitioner
Certified Investment Management Analyst®
Series 7 - General Securities Representative
Series 65 - Registered Investment Advisor
Series 63 - Uniform Securities Law
Series 31 - Managed Futures Funds
Insurance - Life, Disability & Long Term Care
1995 - Present: Financial Advisor at Morgan Stanley
1991 - 1995: Financial Operations at Microsoft Corporation
Although many professionals may call themselves “Financial Planners,” only those who have fulfilled the rigorous requirements of the CFP® Board can display the CFP® mark. It indicates in-depth knowledge of issues such as investment planning, tax planning, retirement planning, insurance planning and estate planning. This helps us to facilitate better, more impactful advisement with you, your accountants and attorneys.
Being a CIMA® or Certified Investment Management Analyst means that one has completed extensive training, including instruction at the University of Pennsylvania’s Wharton School, a leading school of finance; and agreed to adhere to the Investment Management Consultants Association’s code of ethics and meet ongoing education requirements.
A CIMA® is more qualified to manage investment portfolios and often manages portfolios for high net worth and institutional clients. Their training and experience is in advanced investment consulting, developing investment policy guidelines, optimization of portfolio strategies, quantitative and qualitative selection criteria for manager searches and monitoring of portfolio performance. This leads to better structure and consistency in portfolio management.
BA - Business/Finance Western Washington University
Certified Financial Planner® practitioner
Certified Investment Management Analyst®
Series 7 - General Securities Representative
Series 65 - Registered Investment Advisor
Series 63 - Uniform Securities Law
Series 31 - Managed Futures Funds
Insurance - Life, Disability & Long Term Care
1995 - Present: Financial Advisor at Morgan Stanley
1991 - 1995: Financial Operations at Microsoft Corporation
We strive to give our clients as many resources as possible to stay informed about the latest market trends, analyses, and outlooks. Below are Morgan Stanley resources that update in real time. Feel free to check out the links below as they may be beneficial to you or someone you know, and don't hesitate to reach out if you have any questions.
The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance, and fixed income.
Read More
Thoughts on the Market Webcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen Here
On the Markets - Monthly
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy, and more.
Read More
2025 Outlooks
Investors can read featured articles by Morgan Stanley forecasting the outlook for the global economy in 2025.
Read More
5 Common Myths About Retirement Planning
Even if you’re decades away from retirement, there’s no time like the present to start planning. Discover five common misconceptions to avoid and how to build healthy wealth habits today.
Read More
Preparing for Your Meeting with an Estate Planning Attorney
You have worked long and hard to achieve success and build wealth for you and your family. There have been numerous challenges along the way. You may be at a point now where your greatest challenge is preserving your wealth and building a plan for its transition to those you choose in a way you choose.
Read More
2024 Year-End Tax Reminders
This document provides high-level summaries of complex tax rules.
Read More
6 Financially Smart Ways to Start 2025
Heading into 2025, it’s time to take stock of your budget, debt and investments—and check them against your financial goals. These six steps can get you started.
Read More
Goals-Based Planning
Our number one goal is to help you figure out how to best pursue your goals. Watch how working with us can help.
Learn More
Future Milestones - Financial Planning
Preparation is crucial for reaching your financial milestones. Effective goals-based planning involves more than just knowing various investment types—it requires a tailored approach to evaluating opportunities, determining customized asset allocations and aligning them with your long-term goals.
Learn More
Equity Compensation - Financial Planning
Your equity compensation can be a powerful resource for building your wealth and your future. But like all resources, extracting the most benefits takes planning.
Learn More
Planning for Retirement - Financial Planning
When preparing for retirement, at some point almost everyone struggles with one question: How can I plan for retirement when I have urgent short-term financial needs?
Learn MoreLocation
4000 Carillon Point
Ste 600
Kirkland, WA 98033
US
Direct:
(425) 455-8061(425) 455-8061
Toll-Free:
(800) 733-6650(800) 733-6650
Fax:
(425) 462-0651(425) 462-0651
Meet My Team
Shea Sullivan
Financial Advisor
Phone:
(425) 202-1999(425) 202-1999
About Kari Groot
Kari plays an integral role in the day to day operations of the team and dedicates herself to serving our clients’ needs with the highest level of customer care. Her problem-solving ability and attention to detail are invaluable for investigating and resolving questions. A motivated self-starter who enjoys tackling challenges, Kari is committed to ongoing professional development and is constantly adding to the depth and breadth of her experience and knowledge within the financial industry. She pays attention to detail so big jobs get done in a logical series of steps.
Kari came to Morgan Stanley* in 1997, rising quickly through the ranks from Receptionist to Registered Associate. Prior to entering the financial services industry, Kari worked as a manager in the restaurant industry for eight years. She earned her Associate’s Degree in Accounting Technology from Green River Community College.
A Washington native, Kari lives in Auburn. She is an active member of Valley View Christian Church in Kent and, in her spare time, she enjoys spending time with her family and relaxing at their family cabin on Fox Island.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Kari came to Morgan Stanley* in 1997, rising quickly through the ranks from Receptionist to Registered Associate. Prior to entering the financial services industry, Kari worked as a manager in the restaurant industry for eight years. She earned her Associate’s Degree in Accounting Technology from Green River Community College.
A Washington native, Kari lives in Auburn. She is an active member of Valley View Christian Church in Kent and, in her spare time, she enjoys spending time with her family and relaxing at their family cabin on Fox Island.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
About Shea Sullivan
Growing up in Issaquah, Washington and currently living in Kirkland, I am fortunate to be a PNW local. I am also a proud graduate of Gonzaga University, with a degree in Finance and Business. My experiences during college deepened my curiosity in finance and led me to a career in investments and advisory.
I started my career at Parametric Portfolio Associates while finishing college. In 2022, Parametric and Eaton Vance were acquired by Morgan Stanley. Working as an internal partner provided a path to work with my father Brian Sullivan as a financial advisor, educating and advising clients through their dynamic financial needs. My prior background at an investment management firm like Parametric gives me unique insights into the multiple partners we now leverage in our practice.
Outside of work I enjoy spending time with family and friends. We take regular trips to Lake Chelan, ski/snowboard trips, and enjoy being outdoors. I am also an avid sports fan rooting for Gonzaga basketball, the Seattle Seahawks, and Seattle Mariners to name a few.
I started my career at Parametric Portfolio Associates while finishing college. In 2022, Parametric and Eaton Vance were acquired by Morgan Stanley. Working as an internal partner provided a path to work with my father Brian Sullivan as a financial advisor, educating and advising clients through their dynamic financial needs. My prior background at an investment management firm like Parametric gives me unique insights into the multiple partners we now leverage in our practice.
Outside of work I enjoy spending time with family and friends. We take regular trips to Lake Chelan, ski/snowboard trips, and enjoy being outdoors. I am also an avid sports fan rooting for Gonzaga basketball, the Seattle Seahawks, and Seattle Mariners to name a few.
Securities Agent: UT, OR, MT, MN, AZ, NV, MA, IN, CO, IA, CA, NY, NC, WA, GA, TX, MD, ID, HI, WY, FL; General Securities Representative; Investment Advisor Representative
Awards and Recognition
Five Star Wealth Advisor
(2012 – 2025) Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2025) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2012 Award – 5/12/2011 - 10/30/2011
2013 Award – 5/12/2012 – 10/30/2012
2014 Award – 5/12/2013 – 10/30/2013
2015 Award – 5/12/2014 – 10/30/2014
2016 Award – 5/12/2015 – 10/30/2015
2017 Award – 3/26/2016 – 11/18/2016
2018 Award – 4/25/2017 – 11/6/2017
2019 Award – 4/23/2018 – 11/9/2018
2020 Award – 4/1/2019 – 11/13/2019
2021 Award – 4/27/2020 – 10/30/2020
2022 Award – 5/10/2021 – 11/30/2021
2023 Award – 4/18/2022 – 10/21/2022
2024 Award – 5/15/2023 – 11/30/2023
2025 Award - 5/15/2024 - 11/29/2024
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
Wilson Calansingin
Associate Private Banker
About Wilson Calansingin
Wilson Calansingin is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Washington State.
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.
Wilson began his career in financial services in 2006, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
Wilson is a graduate of Ateneo de Manila University, where he received a Business Management degree with a focus in Finance. He lives in Tacoma, Washington. Outside of the office, Wilson enjoys golfing.
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.
Wilson began his career in financial services in 2006, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
Wilson is a graduate of Ateneo de Manila University, where he received a Business Management degree with a focus in Finance. He lives in Tacoma, Washington. Outside of the office, Wilson enjoys golfing.
NMLS#: 711776
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, 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
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
Wealth Management
Global Investment Office
Portfolio Insights
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
Ready to start a conversation? Contact Brian P Sullivan today.
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.
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.
2When 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.
3Morgan 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.
4Morgan 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
5Alternative 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.
6Morgan 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.
7Morgan 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.
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.
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
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.
2When 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.
3Morgan 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.
4Morgan 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
5Alternative 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.
6Morgan 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.
7Morgan 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.
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.
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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
