Brooke Lowery, CFP®, CIMA®
Senior Vice President, Wealth Advisor, Financial Planning Specialist
Phone:
(360) 992-7989(360) 992-7989
Brooke Lowery, CFP®, CIMA®
Senior Vice President,
Wealth Advisor,
Financial Planning Specialist
Direct:
(360) 992-7989(360) 992-7989
Industry Award WinnerMy Mission Statement
Financial wellness is deeply personal and extends far beyond dollars and cents.
My mission is to help individuals and families create a life of freedom and fulfillment—one where their money supports their goals, sustains their health, and empowers them to live purposefully and fearlessly, no matter what the future holds.
My mission is to help individuals and families create a life of freedom and fulfillment—one where their money supports their goals, sustains their health, and empowers them to live purposefully and fearlessly, no matter what the future holds.
WELCOME
As your dedicated Wealth Advisor, I strive to deliver a personalized experience to first define your goals then, create a customized plan to help you achieve them, leveraging a vast array of resources and tools only available to clients of Morgan Stanley.
Working with me, you can expect:
- A personal relationship and proactive communication from me and my team
- A detailed financial strategy based on your unique goals
- Guidance on how to set up your estate strategy so your legacy is protected
- Flexibility, so when changes happen in your life or in the market, we'll review your plan and navigate accordingly.
What sets me apart:
I focus on helping you create legacies that last. Many of my clients have created multi-generational wealth and have been faced with the complex financial planning challenges that come with that level of success. To that end, I share my extensive network of experienced professionals to discuss various tax, trust, and estate strategies with you and your personal advisors, help facilitate the implementation of those strategies, and focus on the integration of your investment plans.
Estate Planning: An effective estate plan supports the people you care about the most long after you are gone.
Milestone Financial Planning: Retirement, Education Funding, Home Purchase, Inheritance, Career Transitions
Investment Education for Your Entire Family: Prepare your children for a lifetime of success by teaching them about the value of money
Tax Planning: I look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results.
Services Include
- Retirement PlanningFootnote1
- Wealth ManagementFootnote2
- Estate Planning StrategiesFootnote3
- Professional Portfolio ManagementFootnote4
- Sustainable InvestingFootnote5
- 401(k) Rollovers
- LGBT+ Planning ServicesFootnote6
- Financial PlanningFootnote7
- Business Succession PlanningFootnote8
- Divorce Financial AnalysisFootnote9
- Planning for Education FundingFootnote10
- Trust ServicesFootnote11
- Wealth PlanningFootnote12
- Trust AccountsFootnote13
- Philanthropic ManagementFootnote14
- Asset Management
Securities Agent: IL, MT, AL, WY, PA, MN, OR, NV, NY, AK, MI, FL, SD, AZ, WA, HI, CO, TX, MD, ID, CA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1636253
NMLS#: 1636253
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WITHOUT A PLAN, A GOAL IS JUST A DREAM
Your wealth represents your life's work, your family's legacy, your dreams for retirement, and your children's future. As your dedicated personal Wealth Advisor, I take the time to listen to your story, analyze your financial information, then craft a plan and present a solution custom-fit to your unique experience and goals.
LEGACIES THAT LAST
Those who created multi-generational wealth are soon faced with complex financial planning challenges that have a significant impact on the size and scope of their legacy. Some clients worry about the nuts and bolts—asset allocation, investment selection, tax planning—while others want to coach younger generations on how to become good stewards of family wealth and how to be an effective philanthropist, or wonder how a family will make joint decisions after a large inheritance.
To assist with these issues, we provide access to experienced professionals who are available to discuss various tax, trust and estate strategies with you and your personal advisors, help facilitate the implementation of those strategies, and focus on the integration of your investment plans.
To assist with these issues, we provide access to experienced professionals who are available to discuss various tax, trust and estate strategies with you and your personal advisors, help facilitate the implementation of those strategies, and focus on the integration of your investment plans.
Estate Planning
You have worked long and hard to achieve success and build wealth for you and your family. View questions/answers, definitions and ideas for structuring your personal trust as you prepare to meet with an Estate Planning Attorney.
Planning for Your Meeting with an Estate Planning Attorney
Securing Your Legacy
An effective estate plan can help you support the people and institutions you care about most, long after you are gone. We provide access to the broad range of services needed to create an enduring legacy that passes along your values as well as your assets.
Wealth Planning Tools and Techniques
Raising Money Savvy Kids
As a parent, you want to prepare your children for a lifetime of success. Teaching your kids about the value of money—how to earn it, what you can do with it, what it means to you—can help them establish a healthy relationship with money so they make smart, informed decisions about their financial futures.
Prepare for Your Role as Chief Financial Parent
Financial Literacy for Any Stage of Your Life
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
Make Financial Literacy a Family Affair
Tax Planning
Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results
We are backed by sophisticated technology that enables us to look across multiple accounts and products to determine the right combination of securities and positions to sell for client needs.
The decisions you make today can help you save for years to come. Use the resources found in the link below to help get started.
View Tax-Aware Strategies HereWe are backed by sophisticated technology that enables us to look across multiple accounts and products to determine the right combination of securities and positions to sell for client needs.
The decisions you make today can help you save for years to come. Use the resources found in the link below to help get started.
Family Office Resources
Family Office Resources at Morgan Stanley addresses the full breadth of your wealth on an individual level to create a personalized plan for your unique needs. I will work together with the Family Office Resources specialists to curate and navigate an expansive suite of highly specialized resources for your complex challenges of managing significant wealth. The advanced strategies offered in our suite of services include, but are not limited to, Charitable Giving, Tax Efficient Investment Strategies, Diversifying Concentrated Stock Positions, Crafting a Strategy for Estate Planning and Aligning Investments with your Core Values.
Family Office ResourcesAccess Digital Tools, Research, and monthly perspectives
Our comprehensive suite of digital tools, research, and newsletters enhances nearly every aspect of your financial life, helping you stay informed, secure, and in control.
Morgan Stanley Online (MSO)
→ 24/7 access to account balances, holdings, and transaction history.
→ Transfer funds, authorize transactions, and pay bills securely.
→ Consolidate your financial picture for better-informed decision-making.
→ Encrypted platform for safe and seamless online access.
Learn More→ Transfer funds, authorize transactions, and pay bills securely.
→ Consolidate your financial picture for better-informed decision-making.
→ Encrypted platform for safe and seamless online access.
December Updates & Insights
Click Here to View
Morgan Stanley Mobile App
→ Securely access your Morgan Stanley accounts anytime, anywhere.
→ Use the same login credentials as Morgan Stanley Online for convenience.
→ View portfolio performance and execute key transactions on the go.
→ Integrated alerts to monitor account activity and market movements.
Learn More→ Use the same login credentials as Morgan Stanley Online for convenience.
→ View portfolio performance and execute key transactions on the go.
→ Integrated alerts to monitor account activity and market movements.
November Updates & Insights
Click Here to View
Total Wealth View
→ Consolidate all your assets—including external accounts—into one dashboard.
→ Gain a complete financial picture to guide investment and wealth planning.
→ Enjoy secure data access and connectivity for better-informed advice.
Learn More→ Gain a complete financial picture to guide investment and wealth planning.
→ Enjoy secure data access and connectivity for better-informed advice.
October Updates & Insights
Click Here to View
Digital Vault
→ Centralized, encrypted storage for your most important financial documents.
→ Access and share items like wills, deeds, tax filings, and statements securely.
→ Reduce paperwork clutter and ensure critical files are easily retrievable.
Learn More→ Access and share items like wills, deeds, tax filings, and statements securely.
→ Reduce paperwork clutter and ensure critical files are easily retrievable.
September Updates & Insights
Click Here to View
Cybersecurity Resources
→ Centralized, encrypted storage for your most important financial documents.
→ Access and share items like wills, deeds, tax filings, and statements securely.
→ Reduce paperwork clutter and ensure critical files are easily retrievable.
Learn More→ Access and share items like wills, deeds, tax filings, and statements securely.
→ Reduce paperwork clutter and ensure critical files are easily retrievable.
August Updates & Insights
Click Here to View
E-Authorization
→ Digitally authorize transactions and approvals without physical paperwork.
→ Enhance security with encrypted digital signatures.
→ Reduce turnaround time for financial actions and approvals.
Learn More→ Enhance security with encrypted digital signatures.
→ Reduce turnaround time for financial actions and approvals.
July Updates & Insights
Click Here to View
GIC Weekly Research Reports
→ Receive curated insights from Morgan Stanley’s Global Investment Committee.
→ Stay informed about market trends, investment strategies, and economic outlooks.
→ Gain timely research to support your investment decisions.
Learn More→ Stay informed about market trends, investment strategies, and economic outlooks.
→ Gain timely research to support your investment decisions.
June Updates & Insights
Click Here to View
Certified Financial Planner - CFP®
A CERTIFIED FINANCIAL PLANNER™ has in-depth knowledge of the financial planning process, tax planning, employee benefits and retirement planning, estate planning, investment management, and insurance. Brooke Lowery holds this designation.
Certified Investment Management Analyst - CIMA®
The Certified Investment Management Analyst® (CIMA®) certification is designed specifically for financial professionals who serve as advanced investment consultants to high net worth families and institutional investors. Brooke Lowery holds this designation.
Pacesetter's Club Member 2020, 2021, 2022, 2023, 2024
Morgan Stanley's Pacesetter's Club is a global recognition program for Financial Advisors who, early in their career, have demonstrated the highest professional standards and first class client service. Brooke Lowery has been a member since 2020.
Members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Pacesetter’s Club membership is no guarantee of future performance.
Members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Pacesetter’s Club membership is no guarantee of future performance.
Eastern Washington University
Brooke Lowery graduated with honors, holding a double major in Economics and Finance.
- Wyman Economic Honors Award, 2009
- Wyman Economic Honors Award, 2009
2024 & 2025 FORBES TOP NEXT-GEN WEALTH ADVISORS BEST-IN-STATE
For 2024, I was ranked #46 in Forbes as one of the top next generation wealth advisors in the state of Washington.
For 2024, I was ranked #17 in Forbes as one of the top next generation wealth advisors in the state of Washington.
Source: Source: Forbes (Awarded 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Award DisclosuresFor 2024, I was ranked #17 in Forbes as one of the top next generation wealth advisors in the state of Washington.
Source: Source: Forbes (Awarded 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
2025 FORBES BEST-IN-STATE WEALTH ADVISORS
For 2025, I was ranked #187 in Forbes as one of the top wealth advisors in the state of Washington ( High Net Worth list).
Source: Forbes (Awarded April 2025) Data compiled by SHOOK Research LLC based on time period from 6/30/23 - 6/30/24.
Award DisclosuresSource: Forbes (Awarded April 2025) Data compiled by SHOOK Research LLC based on time period from 6/30/23 - 6/30/24.
2025 FORBES TOP WOMEN WEALTH ADVISORS BEST-IN-STATE
For 2025, I was ranked #47 in Forbes as one of the top wealth advisors in the state of Washington.
Source: Forbes (Awarded Feb 2025). Data compiled by SHOOK Research LLC based for the period 9/30/23–9/30/24.
Award DisclosuresSource: Forbes (Awarded Feb 2025). Data compiled by SHOOK Research LLC based for the period 9/30/23–9/30/24.
Location
1701 SE Columbia River Dr
Ste 120
Vancouver, WA 98661
US
Direct:
(360) 992-7989(360) 992-7989
Meet My Team
Katie Attebery
Wealth Management Associate
Phone:
(541) 617-6007(541) 617-6007
Melanie Graves
Senior Registered Client Service Associate
Phone:
(503) 221-7626(503) 221-7626
Miranda Frasier
Client Service Associate
Phone:
(541) 617-6027(541) 617-6027
About Brooke Lowery
Brooke focuses on guiding families through critical moments of their lives where their emotional and financial needs intersect. She leads with practical knowledge, detail orientation, and reliability, resulting in deep long-lasting relationships. Brooke is a Certified Financial Planner (CFP), an industry standard of excellence providing extensive and detailed life planning. She is also a Certified Investment Management Analyst (CIMA), providing independent analysis, including deep risk analysis, of investments customized to her clients.
Brooke’s ethos is one of learning and improvement. Her professional interests include Behavioral Finance, the study of the psychological effects of investors and financial markets. She counsels her clients to manage the human and emotional element of investing for the long term. Brooke also offers estate and generational strategy and execution to her clients. Her professional engagement goes beyond her client roster to organizing and speaking at local events such as Women At Morgan Stanley (W@MS), Women Entrepreneur Organization (WEO), Women In Networking (WIN).
Brooke earned a double major in Finance and Economics from Eastern Washington University while playing basketball. Brooke began her career immediately after graduating at Morgan Stanley. She was mentored by her father, a Morgan Stanley advisor of over 35 years. Brooke continues to improve upon her father’s legacy in delivering excellence to clients. She is privileged and honored to serve her clients. Their financial wellbeing, growth, success, and legacy is sacred to her.
Brooke enjoys backpacking the wilderness of the PNW and the volcanoes of the world. She is an active part of the community and values charitable contributions. She gives her time to nonprofits, like the Humane Society of SW Washington where she enjoys being a large dog rehabilitator. Other passions include historic building restoration with her husband, dancing, live music, standup comedy, and spending time with her family.
Brooke’s ethos is one of learning and improvement. Her professional interests include Behavioral Finance, the study of the psychological effects of investors and financial markets. She counsels her clients to manage the human and emotional element of investing for the long term. Brooke also offers estate and generational strategy and execution to her clients. Her professional engagement goes beyond her client roster to organizing and speaking at local events such as Women At Morgan Stanley (W@MS), Women Entrepreneur Organization (WEO), Women In Networking (WIN).
Brooke earned a double major in Finance and Economics from Eastern Washington University while playing basketball. Brooke began her career immediately after graduating at Morgan Stanley. She was mentored by her father, a Morgan Stanley advisor of over 35 years. Brooke continues to improve upon her father’s legacy in delivering excellence to clients. She is privileged and honored to serve her clients. Their financial wellbeing, growth, success, and legacy is sacred to her.
Brooke enjoys backpacking the wilderness of the PNW and the volcanoes of the world. She is an active part of the community and values charitable contributions. She gives her time to nonprofits, like the Humane Society of SW Washington where she enjoys being a large dog rehabilitator. Other passions include historic building restoration with her husband, dancing, live music, standup comedy, and spending time with her family.
Securities Agent: IL, MT, AL, WY, PA, MN, OR, NV, NY, AK, MI, FL, SD, AZ, WA, HI, CO, TX, MD, ID, CA; General Securities Representative; Investment Advisor Representative; Managed Futures
About Katie Attebery
Katie Attebery is a Wealth Management Associate at Morgan Stanley. As the team lead, Katie directs and oversees the execution of all client service needs and communication to ensure each client receives a personalized and high touch experience. She also supports Brooke directly through participation in calls and meetings, gathering all pertinent information and action items, and seeing them through to completion.
Katie returned to the financial services industry by joining Morgan Stanley in 2025, after taking a short break to run her own business, a successful fitness studio in San Diego, while she was also being honored to serve as a lululemon Ambassador. Prior to that, Katie worked for a large multinational wealth management firm in multiple leadership positions, where she honed her client service skills. She holds a bachelor’s degree in Economics from Vanderbilt University and a Masters of Business Administration from Willamette University.
Katie has lived up and down the West Coast for over 20 years and now resides in Central Oregon with her husband and menagerie of animals. She is passionate about fitness and personal wellness and enjoys exploring all the Pacific Northwest has to offer, from the vineyards of Walla Walla to the rugged Oregon coast.
Katie returned to the financial services industry by joining Morgan Stanley in 2025, after taking a short break to run her own business, a successful fitness studio in San Diego, while she was also being honored to serve as a lululemon Ambassador. Prior to that, Katie worked for a large multinational wealth management firm in multiple leadership positions, where she honed her client service skills. She holds a bachelor’s degree in Economics from Vanderbilt University and a Masters of Business Administration from Willamette University.
Katie has lived up and down the West Coast for over 20 years and now resides in Central Oregon with her husband and menagerie of animals. She is passionate about fitness and personal wellness and enjoys exploring all the Pacific Northwest has to offer, from the vineyards of Walla Walla to the rugged Oregon coast.
About Melanie Graves
Melanie Graves is located in the Morgan Stanley Portland office. She has worked in various roles in the financial services industry since 2006 and joined Morgan Stanley in 2020.
Melanie graduated from Portland State University with a Bachelor of Art Degree in Communication Studies and Spanish.
Melanie is Series 7 and 66 registered. In her free time, Melanie enjoys hiking with her dog, reading, and traveling.
Melanie graduated from Portland State University with a Bachelor of Art Degree in Communication Studies and Spanish.
Melanie is Series 7 and 66 registered. In her free time, Melanie enjoys hiking with her dog, reading, and traveling.
About Miranda Frasier
Miranda Frasier is a Client Service Associate at Morgan Stanley. She provides essential support to the team in multiple capacities. From scheduling, to administrative support, to data management, she ensures that every interaction is handled with care and attention to detail. Miranda’s background in marketing analytics allows her to approach client service with a unique perspective, blending creativity with strategy to help communicate complex ideas in a clear and meaningful way.
Before joining Morgan Stanley, Miranda worked in marketing and analytics, managing paid media strategies, data infrastructure, and performance dashboards. She has a passion for turning data into stories and helping people make confident, informed decisions, a skillset that now complements her work in wealth management.
Miranda grew up in Washington and graduated from Washington State University in 2019 with a B.A. in Digital Marketing. Now residing in Bend, Oregon, she enjoys photography, live music, and exploring new places whenever she can.
Before joining Morgan Stanley, Miranda worked in marketing and analytics, managing paid media strategies, data infrastructure, and performance dashboards. She has a passion for turning data into stories and helping people make confident, informed decisions, a skillset that now complements her work in wealth management.
Miranda grew up in Washington and graduated from Washington State University in 2019 with a B.A. in Digital Marketing. Now residing in Bend, Oregon, she enjoys photography, live music, and exploring new places whenever she can.
Awards and Recognition
Forbes Top Next-Gen Wealth Advisors Best-In-State
2024-2025 Forbes Top Next-Gen Wealth Advisors Best-in-State Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Forbes Best-In-State Wealth Advisors
Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24.
Forbes Top Women Wealth Advisors Best-In-State
Forbes Top Women Wealth Advisors Best-In-State Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC for the period 9/30/23 - 9/30/24.
3
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
Andrew Downey
Associate Private Banker
Matthew Putterman
Planning Associate
About Andrew Downey
Andrew Downey is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Oregon, Idaho, Montana, Alaska, and
Washington.
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.
Andrew began his career in financial services in 2003 and joined Morgan Stanley in 2025 as an Associate Private Banker. Prior to joining the firm, he was a Relationship Manager at the First Republic Bank/J.P. Morgan Chase.
Andrew is a graduate of Portland State University, where he received a Bachelor of Science in Accounting. He lives with his family in Forest
Grove, Oregon. Outside of the office, Andrew enjoys watching his kids sporting events, golfing, and wine tasting with his wife in the Willamette Valley.
Washington.
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.
Andrew began his career in financial services in 2003 and joined Morgan Stanley in 2025 as an Associate Private Banker. Prior to joining the firm, he was a Relationship Manager at the First Republic Bank/J.P. Morgan Chase.
Andrew is a graduate of Portland State University, where he received a Bachelor of Science in Accounting. He lives with his family in Forest
Grove, Oregon. Outside of the office, Andrew enjoys watching his kids sporting events, golfing, and wine tasting with his wife in the Willamette Valley.
NMLS#: 1027096
About Matthew Putterman
Matthew Putterman is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Matthew provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Binghamton University and received the Financial Planning Specialist® designation from the College for Financial Planning. Matthew is originally from Brooklyn, NY and currently resides in Brooklyn, NY.
He earned his undergraduate degree from Binghamton University and received the Financial Planning Specialist® designation from the College for Financial Planning. Matthew is originally from Brooklyn, NY and currently resides in Brooklyn, NY.
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When 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.
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When 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.
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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.
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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’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.
5Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact 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.
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 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.
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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
11Morgan 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.
12Morgan 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.
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.
13Morgan 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.
14Products 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
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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’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.
5Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact 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.
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 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.
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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
11Morgan 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.
12Morgan 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.
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.
13Morgan 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.
14Products 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)
