Charles Moehrke Jr.
Executive Director, Financial Advisor, Family Wealth Director, Portfolio Management Director
Phone:
(919) 490-7181(919) 490-7181
The Brightleaf Group at Morgan Stanley
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Clients
The Brightleaf Group, formed more than twenty years ago, came together to address the increasingly complex array of needs our clients were expressing to us. We sought to bring together a group of like-minded, value-focused individuals, each with different areas of interest and experience.
Our belief is that having several individuals, each with different areas of expertise, allows us to understand our clients’ needs more thoroughly, and to propose solutions that not only meet but exceed their wishes.
While every client has a Relationship Manager from within our team, all of the collective resources of the group, encompassing over 200 years of experience, are brought to bear to address any issues that may arise.
We strive to become a valued advocate for our clients by deeply understanding their goals and dreams, then establishing clear and simple strategies to help obtain them. Frequent and open communication, interaction and effective follow through are critical to this endeavor. This will help ensure that we are addressing our client’s current and ever-changing needs as well as planning for future generations.
Our belief is that having several individuals, each with different areas of expertise, allows us to understand our clients’ needs more thoroughly, and to propose solutions that not only meet but exceed their wishes.
While every client has a Relationship Manager from within our team, all of the collective resources of the group, encompassing over 200 years of experience, are brought to bear to address any issues that may arise.
We strive to become a valued advocate for our clients by deeply understanding their goals and dreams, then establishing clear and simple strategies to help obtain them. Frequent and open communication, interaction and effective follow through are critical to this endeavor. This will help ensure that we are addressing our client’s current and ever-changing needs as well as planning for future generations.
Services Include
- 401(k) Rollovers
- Alternative InvestmentsFootnote1
- AnnuitiesFootnote2
- Corporate Retirement PlansFootnote3
- Estate Planning StrategiesFootnote4
- Financial PlanningFootnote5
- Lending Products
- Life InsuranceFootnote6
- Long Term Care InsuranceFootnote7
- Philanthropic Services
- Planning for Education FundingFootnote8
- Retirement PlanningFootnote9
- Sustainable InvestingFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Beliefs
Client Experience
We believe that we're responsible for delivering extraordinary client experiences. Foundational elements of this include fairness, respect, transparency, integrity, and competence.
Communcation
We believe in candid, two-way communication. We welcome and encourage feedback and questions. We place a heightened emphasis on listening.
Avoid Surprises
We believe in avoiding surprises.
Collaboration with Other Specialists
We believe in collaborating with the other professional advisors in your life, examples of which include CPA's, Attorneys, and/or Insurance Specialists.
Speak the Truth
We believe in speaking the truth, regardless of how difficult it may be.
Understanding Your Goals
We believe in beginning each relationship with a profound level of understanding of your goals, aspirations, concerns and fears.
Long-Term Goals
We believe in establishing and working towards long-term goals. We expect to build a plan targeted towards the attainment of these objectives. We expect all of us to be committed to the achievements of that plan.
Creating a Plan
We believe we are here to develop a plan that you can follow with confidence.
Family Involvement
We believe, if you'll allow us, in involving multiple generations of your family in the process. This provides greater long-term clarity to all family members.
Owning Equity
We believe that owning equity (stocks) in the world's greatest companies is a core building block in the wealth creating and preservation process.
The most valuable aspect of our business is the relationship we have with our clients. In this page, we give you an overview of our values, our life milestones, as well as fees and how we encompass each client's financial wealth. Thank you for your consideration of the Brightleaf Group to support your financial journey. To learn more on how to get started, below is some useful information:
Our Value Proposition
How does the Brightleaf Group handle the different aspects of your financial planning? Take a look at our Value Proposition to find out how we prioritize the 6 important aspects of your financial journey.
Our Value PropositionOur Life Milestones
Depending on what stage of life you're at, it's important to ask yourself certain questions to get yourself on track in terms of your finances. Do you have an Emergency Fund?> What are your long-term goals? Are you maximizing your 401k/IRA/Roth opportunities? Check out our Life Milestones to find out if you are asking yourself the right questions. and to find out what your current financial focus should be.
Our Life MilestonesFees and Commissions
We highly value the relationship we have with our clients. Each one has different goals and strategies, depending on their needs and stage of life. Reach out to us if you'd like to learn more about how Morgan Stanley gets compensated and benefits from our services.
Getting Started
You feel ready to embark on your financial journey: you have a minimum of $500,000 in investible assets and believe that the Brightleaf Group is a great fit for you. Now what? Click the Contact Us button at the top of this page to schedule your introductory meeting!
Check out our Newsletters and the Global Investment Committee on the Markets reports to stay up to date with the latest market information and timely updates from our team.
GIC On The Markets: April 2025
Read the April 2025 Report Here
Monthly Newsletter
Stay up to date with current trends, news, and other insights. Click the link below to read our Monthly Newsletter!
Read our March 2025 Newsletter Here
Thoughts on the Market Podcast Series
What’s Weighing on U.S. Consumer Confidence?
Listen to our financial podcast, featuring perspectives from leaders within Morgan Stanley and their perspectives on the forces shaping markets today.
Listen to the PodcastListen to our financial podcast, featuring perspectives from leaders within Morgan Stanley and their perspectives on the forces shaping markets today.
Thoughts on the Market Podcast Series
Faceoff: U.S. vs. European Equities
Listen to our financial podcast, featuring perspectives from leaders within Morgan Stanley and their perspectives on the forces shaping markets today.
Listen to the PodcastListen to our financial podcast, featuring perspectives from leaders within Morgan Stanley and their perspectives on the forces shaping markets today.
Upcoming Firm Events
We hope you will join us for this upcoming event.
AI Revolution: The Breakthrough, the Buzz and a Blueprint for the Future
We invite you to watch the replay from our thought-provoking conversation on artificial intelligence (AI) with James Dyett, OpenAI's Head of Enterprise & Strategic Sales, Keith Weiss, Morgan Stanley's Head of U.S. Software Research Jeff McMillan, Morgan Stanley's Head of Firmwide Artificial Intelligence, recorded on Monday, March 24.
CRC4303146 03/2025
Online
Additional Replays
Location
6340 Quadrangle Drive
Ste 300
Chapel Hill, NC 27517
US
Direct:
(919) 490-7104(919) 490-7104
Meet The Brightleaf Group
Lori R Stark, CFP®
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director, Financial Planning Specialist
Phone:
(919) 490-7139(919) 490-7139
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(919) 490-7100(919) 490-7100
Elizabeth Bass, CFP®
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(919) 490-7170(919) 490-7170
Benjamin Baumberger, CFP®
First Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(919) 490-7122(919) 490-7122
Jessica Hacker
Portfolio Associate, Financial Planning Associate, Chartered Retirement Planning Counselor ®
Phone:
(919) 490-7104(919) 490-7104
Gareth Livesay, CFP®
Wealth Management Associate
Phone:
(919) 490-7144(919) 490-7144
Anita Reaves
Portfolio Associate, Financial Planning Associate
Phone:
(919) 490-7183(919) 490-7183
Maria Horta
Portfolio Associate
Phone:
(919) 490-7184(919) 490-7184
About Charles Moehrke Jr.
A long-time lover of puzzles, I enjoy solving complex problems, breaking them down to their individual parts, and then rebuilding them in a logical fashion to produce a positive result. Similarly, I believe that accomplishing favorable outcomes for our clients depends on paying attention to the small details of their lives. Developing a deep understanding of our clients and what is important to them, enables me to organize the pieces with the goal of helping them and their families live enriched and fulfilling lives.
Having begun my collegiate education studying economics at Mercer University in Atlanta, I transferred to Georgia State University, majoring in finance. After three decades of experience helping clients and their families achieve their financial goals, and extensive study in areas such as family dynamics and governance, philanthropy, wealth transfer, business succession planning, taxation and risk management, I earned Morgan Stanley’s Family Wealth Director certification.
I serve on the Board of Advisors for the Preston Robert Tisch Brain Tumor Center at Duke University and on the Board of Advisors for the Program in the Humanities and Human Values at the University of North Carolina at Chapel Hill.
My wife and I live in Cary, NC. We have three adult children and two grandchildren.
Having begun my collegiate education studying economics at Mercer University in Atlanta, I transferred to Georgia State University, majoring in finance. After three decades of experience helping clients and their families achieve their financial goals, and extensive study in areas such as family dynamics and governance, philanthropy, wealth transfer, business succession planning, taxation and risk management, I earned Morgan Stanley’s Family Wealth Director certification.
I serve on the Board of Advisors for the Preston Robert Tisch Brain Tumor Center at Duke University and on the Board of Advisors for the Program in the Humanities and Human Values at the University of North Carolina at Chapel Hill.
My wife and I live in Cary, NC. We have three adult children and two grandchildren.
Securities Agent: FL, IL, PA, OR, AZ, WV, VA, NV, NH, ME, GA, WI, WA, TX, OH, NC, MS, NY, NM, LA, SC, MA, CT, CO, TN, NJ, MI, UT, WY, VT, MN, DE, AL, DC, MO, KS, CA, MD; General Securities Principal; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1253100
NMLS#: 1253100
About Lori R Stark
Lori brings experience in the financial services industry since 1991. She is dedicated to the financial planning aspects of our business, using information gathered from clients to develop effective long term financial planning strategies. A native of Durham, Lori graduated from the University of North Carolina at Greensboro in 1991 with a BS degree in Management Marketing with a minor in Economics. She joined the Durham office of Morgan Stanley (or a predecessor firm) that same year.
She lives in Raleigh with her youngest daughter. Family plays a major role in Lori’s outside life, juggling her daughters’ tennis, dance and many volunteer activities.
She lives in Raleigh with her youngest daughter. Family plays a major role in Lori’s outside life, juggling her daughters’ tennis, dance and many volunteer activities.
Securities Agent: WI, KS, HI, GA, CT, WV, TX, NC, UT, NV, LA, IL, VA, SC, NH, MO, FL, DE, AL, WA, VT, MS, NY, NJ, IA, CO, TN, ME, MD, MA, AZ, SD, PA, OH, MN, MI, OR, NM, DC, CA, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 1288093
NMLS#: 1288093
About David Pottenger
Dave has been married to his wife, Sara, for 39 years. They are the proud parents of two daughters, Tatum and Megan. Upon graduating from Davidson College in 1979, Dave joined Morgan Stanley (or a predecessor firm) in Charlotte.
He moved to Durham in 1989 where, for most of the next 26 years, he served as Branch Manager for that office. In 2015 Dave relinquished the role of Branch Manager in order to devote all of his time and energy to the team and its advisory practice. Community engagement plays an important role in Dave’s life also. He has served in leadership capacities with Westminster Presbyterian Church, Hope Valley Country Club, NC Museum of Life and Science, Durham Community Shelter for Hope, The Forest at Duke, YMCA, Executive Service Corps, Durham Academy, Davidson College.
He moved to Durham in 1989 where, for most of the next 26 years, he served as Branch Manager for that office. In 2015 Dave relinquished the role of Branch Manager in order to devote all of his time and energy to the team and its advisory practice. Community engagement plays an important role in Dave’s life also. He has served in leadership capacities with Westminster Presbyterian Church, Hope Valley Country Club, NC Museum of Life and Science, Durham Community Shelter for Hope, The Forest at Duke, YMCA, Executive Service Corps, Durham Academy, Davidson College.
Securities Agent: NJ, KS, OR, DC, WY, OH, IL, NH, ME, DE, VT, NM, CO, CA, WA, VA, TN, NC, MO, MD, MA, GA, AZ, AL, TX, SD, MN, LA, FL, WV, MS, CT, UT, MI, WI, SC, PA, NY, NV; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1288396
NMLS#: 1288396
About Elizabeth Bass
Elizabeth was born and raised in Durham. She graduated from the University of Alabama and lived in Birmingham for three years before returning home to be closer to family.
Elizabeth joined Morgan Stanley as a Wealth Advisory Associate which is a role dedicated to financial planning. She worked with Morgan Stanley advisors throughout the Triangle to create personalized financial plans which track client’s progress towards achieving their financial goals. Through this process, Elizabeth became passionate about helping others prepare for retirement and decided to join the Brightleaf Group and pursue her career as a financial advisor. Elizabeth is married and lives in Durham where she is very active in the community through nonprofit work. She is the mother to two beautiful children.
Elizabeth joined Morgan Stanley as a Wealth Advisory Associate which is a role dedicated to financial planning. She worked with Morgan Stanley advisors throughout the Triangle to create personalized financial plans which track client’s progress towards achieving their financial goals. Through this process, Elizabeth became passionate about helping others prepare for retirement and decided to join the Brightleaf Group and pursue her career as a financial advisor. Elizabeth is married and lives in Durham where she is very active in the community through nonprofit work. She is the mother to two beautiful children.
Securities Agent: GA, CT, OR, NJ, NH, ME, MA, DE, VT, NV, TN, NM, AZ, VA, NY, KS, CO, WV, WI, WA, TX, PA, MD, UT, MS, IL, AL, SC, MI, CA, OH, MO, LA, FL, DC, WY, SD, NC, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 1395659
NMLS#: 1395659
About Benjamin Baumberger
A graduate of The Ohio State University with a Bachelor of Science degree in Finance. I started my career with Morgan Stanley immediately after graduation in 2008 and have held various roles within the firm, including a Technology Trainer, Wealth Advisor Associate and now a Financial Advisor. Having earned my Certified Financial Planner ™ designation in 2019, I enjoy the process of curating financial plans that are tailored to each specific individual.
I enjoy running and exploring national and state parks with my wife and two children. I live in Apex and am involved in soccer and golf with my kids and in the community.
I enjoy running and exploring national and state parks with my wife and two children. I live in Apex and am involved in soccer and golf with my kids and in the community.
Securities Agent: KS, CA, VA, NY, MS, FL, CT, CO, WA, PA, NJ, VT, OR, NM, MN, WI, TX, NV, NH, MO, MA, IL, GA, DE, OH, WV, UT, SC, LA, WY, TN, NC, ME, MD, AZ, AL, MI, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1809631
NMLS#: 1809631
About Jessica Hacker
Jessica is a Portfolio Associate and Financial Planning Associate who has worked in the financial services industry since 2005. She began working with the Gresham Pottenger Stark Group in 2013. Jessica has a Bachelor of Arts degree from the University of North Carolina at Chapel Hill.
Jessica manages many of the team’s functions and initiatives, as well as assists clients with any service or operational needs. She holds the necessary securities licenses (Series 7 & 66) to enter client investment orders.
Jessica resides in Durham, North Carolina with her husband and dog. She enjoys reading, cooking, yoga, playing the ukulele, and spending time with her family and friends.
Jessica manages many of the team’s functions and initiatives, as well as assists clients with any service or operational needs. She holds the necessary securities licenses (Series 7 & 66) to enter client investment orders.
Jessica resides in Durham, North Carolina with her husband and dog. She enjoys reading, cooking, yoga, playing the ukulele, and spending time with her family and friends.
About Gareth Livesay
Gareth is a Wealth Management Associate who has been working in financial services and banking since 2018 and has been with Morgan Stanley since 2021. Prior to that, he worked as a teacher, a career that established the passion for lifelong learning and discovery that he carries forward in service to the team’s clients. Gareth is a North Carolina native and holds a BA in Philosophy from Duke University.
Gareth assists the team with client service, operations, and financial planning. He enjoys finding creative solutions to client needs and considers the connections he makes with clients to be the most rewarding aspect of his work.
Gareth resides in Chapel Hill with his spouse and their rambunctious tabby-cat. In his free time, he enjoys cooking, reading, writing and exploring new restaurants around the Triangle.
Gareth assists the team with client service, operations, and financial planning. He enjoys finding creative solutions to client needs and considers the connections he makes with clients to be the most rewarding aspect of his work.
Gareth resides in Chapel Hill with his spouse and their rambunctious tabby-cat. In his free time, he enjoys cooking, reading, writing and exploring new restaurants around the Triangle.
About Anita Reaves
Along with a quiet calmness and patience, I bring my love of teaching to the client service arena. More comfortable behind the scenes, I work to provide a pleasurable experience in helping cater to the specific needs of each of our clients.
Having earned a B. S. in Finance, with a concentration in Risk Management and Insurance and a minor in Spanish, from the University of North Carolina at Greensboro, I have worked in the financial services industry for over 30 years, and have been with the Moehrke Baumberger Group since 2003 before merging with The Brightleaf Group in 2024.
I am a lifelong learner and have multiple interests ranging from Bible study, music, amateur radio, reading and writing fiction, and learning other languages, recently Korean, so I can listen to BTS and watch my beloved Korean Dramas without the subtitles.
My husband, Scott, and I have been married for over 30 years. We have one adult son and two cats.
Having earned a B. S. in Finance, with a concentration in Risk Management and Insurance and a minor in Spanish, from the University of North Carolina at Greensboro, I have worked in the financial services industry for over 30 years, and have been with the Moehrke Baumberger Group since 2003 before merging with The Brightleaf Group in 2024.
I am a lifelong learner and have multiple interests ranging from Bible study, music, amateur radio, reading and writing fiction, and learning other languages, recently Korean, so I can listen to BTS and watch my beloved Korean Dramas without the subtitles.
My husband, Scott, and I have been married for over 30 years. We have one adult son and two cats.
About Maria Horta
Maria is a Portfolio Associate who has been with Morgan Stanley since 2000. She began her career with the firm as a Client Service Associate at Morgan Stanley Dean Witter in Palm Beach, Florida, where she also served as an Administrative Assistant to the Branch Manager. After relocating to North Carolina in 2023 to be closer to family, she continued her work with Morgan Stanley, supporting Financial Advisors and assisting clients with service and operational needs. She holds the necessary securities licenses (Series 7, 63 & 65) to enter client investment orders.
A proud first-generation Latina, Maria enjoys building strong client relationships and providing exceptional service. She finds joy in traveling, dancing, and hosting gatherings, but most of all, she cherishes spending time with her family.
Maria resides in Hillsborough, North Carolina, with her husband, her high school sweetheart of 46 years. She is a proud mother of two amazing daughters and a devoted grandmother to two adorable grandchildren.
A proud first-generation Latina, Maria enjoys building strong client relationships and providing exceptional service. She finds joy in traveling, dancing, and hosting gatherings, but most of all, she cherishes spending time with her family.
Maria resides in Hillsborough, North Carolina, with her husband, her high school sweetheart of 46 years. She is a proud mother of two amazing daughters and a devoted grandmother to two adorable grandchildren.
Contact Charles Moehrke Jr.
Contact Lori R Stark
Contact David Pottenger
Contact Elizabeth Bass
Contact Benjamin Baumberger
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
Kristina Shifflett
Private Banker
About Kristina Shifflett
Kristina Shifflett is a Private Banker serving Morgan Stanley Wealth Management offices in North Carolina and Virginia.
Private Bankers partner with 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.
Kristina began her career in financial services in 1995, and joined Morgan Stanley in 2005 as a Client Service Associate. Prior to joining the firm, she was an Operations Manager at Wachovia Securities.
Kristina lives in Raleigh, North Carolina with her dog Rosco. Outside of the office, she enjoys traveling, spending time with her children, puzzles, baking, gardening, and crafting.
Private Bankers partner with 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.
Kristina began her career in financial services in 1995, and joined Morgan Stanley in 2005 as a Client Service Associate. Prior to joining the firm, she was an Operations Manager at Wachovia Securities.
Kristina lives in Raleigh, North Carolina with her dog Rosco. Outside of the office, she enjoys traveling, spending time with her children, puzzles, baking, gardening, and crafting.
NMLS#: 1709833
Private Bankers, Ultra High Net Worth (“UHNW”) Sales Specialists, Lending Advisors, Mortgage Consultants, Relationship Managers, 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
This is a video content
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
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
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
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
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Brightleaf Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Alternative 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.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3When 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.
4Morgan 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.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8When 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.
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 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.
10The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame 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
1Alternative 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.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3When 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.
4Morgan 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.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8When 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.
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 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.
10The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame 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
CRC 6491812 (04/2024), 3582895 (6/2024)
