Senior Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®
Phone:
(859) 231-9576(859) 231-9576
The Brown Biggins Group at Morgan Stanley
Direct:
(859) 231-9500(859) 231-9500
Toll-Free:
(800) 354-9559(800) 354-9559
Industry Award WinnerOur Mission Statement
Our mission is to empower our clients financially by offering them tailored advice and solutions that are designed to help them attain financial independence and freedom at every stage of their lives.
About Us
With several years of combined experience*, the Brown Biggins Group works to thoroughly understand your financial needs, identify your goals, and align necessary resources to meet or exceed them.
Some examples of this are:
- Providing personalized planning that encompasses all phases of life through investment management, goals analyses and insurance implementation
- Utilizing vast education, experience and resources to deliver unbiased recommendations
- Conducting comprehensive research in order to build appropriate investment portfolios
- Ongoing continuous follow up, monitoring and modifying your plan to fit specific needs
- Emphasizing service in all stages throughout the planning process
*Individual industry experience as of 2025: Christy Brown - 25 years, Emily Biggins- 12 years
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Disclosures:
2024 - 2025 Forbes Best-In- State Wealth Management Teams
Source: Forbes.com (Awarded 2024 - 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Some examples of this are:
- Providing personalized planning that encompasses all phases of life through investment management, goals analyses and insurance implementation
- Utilizing vast education, experience and resources to deliver unbiased recommendations
- Conducting comprehensive research in order to build appropriate investment portfolios
- Ongoing continuous follow up, monitoring and modifying your plan to fit specific needs
- Emphasizing service in all stages throughout the planning process
*Individual industry experience as of 2025: Christy Brown - 25 years, Emily Biggins- 12 years
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Disclosures:
2024 - 2025 Forbes Best-In- State Wealth Management Teams
Source: Forbes.com (Awarded 2024 - 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Recognition
- 2025 Forbes Best-In-State Wealth Management Teams
- 2024 Forbes Best-In-State Wealth Management Teams
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A PERSONALIZED FINANCIAL STRATEGY DESIGNED TO HELP MEET YOUR UNIQUE FINANCIAL GOALS AND OBJECTIVES
In the past, financial planning used to be a relatively straightforward process, where the primary focus was on accumulating wealth and transitioning to conservative investment vehicles that could provide retirees with stable retirement income and principal stability. However, in today's rapidly evolving world, financial planning has become significantly more intricate, particularly with regards to transforming a lifetime of savings into a sustainable source of income for individuals who are living longer, healthier, and more active lives.
We recognize that navigating the current financial landscape can be a challenging task. As such, we place a premium on attentive service, which is grounded in listening to our clients' unique needs, concerns, and objectives. Our ultimate objective is to equip you with the tools and knowledge to help you make informed financial decisions and secure your financial future.
No matter what your financial aspirations may be, you can rely on us to help create a strategy that is designed to help meet your unique needs.
We recognize that navigating the current financial landscape can be a challenging task. As such, we place a premium on attentive service, which is grounded in listening to our clients' unique needs, concerns, and objectives. Our ultimate objective is to equip you with the tools and knowledge to help you make informed financial decisions and secure your financial future.
No matter what your financial aspirations may be, you can rely on us to help create a strategy that is designed to help meet your unique needs.
Education is a cornerstone for our team and each of these designations represents a deeper level of knowledge that helps us understand your goals from every angle. By staying current, and continually sharpening our expertise, we are able to offer more thoughtful strategies, clearer guidance, and solutions that truly fit your needs. We stay committed to learning in order to fully support our mission of empowering you in your financial life.
- Christy Brown
- Emily Biggins
- Katherine Wright
CFP® professionals have in- depth knowledge of investments, tax planning, retirement planning, risk management, and estate planning. - Christy Brown
CEPA® advisors take a holistic approach integrating business, personal, and financial goals to maximize the value and success of a business exit. - Emily Biggins
CPWA® professionals help address unique challenges of high-net-worth individuals and families in the areas of tax management, wealth transfer, legacy planning and family dynamics.
CFP® – CERTIFIED FINANCIAL PLANNER®
CEPA® – CERTIFIED EXIT PLANNING ADVISOR®
CPWA® – CERTIFIED PRIVATE WEALTH ADVISOR®
Forbes Best in State Wealth Management Teams 2024-20205
The annual Forbes/SHOOK Best-In-State Wealth Management Teams list uses quantitative and qualitative data, including interviews, to rank teams.
2024-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
MORGAN STANLEY'S SUITE OF CUTTING-EDGE DIGITAL TOOLS
Digital technology has revolutionized the way we communicate, consume, transact, and travel. At Morgan Stanley, we have developed a suite of cutting-edge digital tools that are specifically designed to optimize every aspect of your financial life. Our offerings are tailored to meet the unique needs of our clients and provide unparalleled convenience and efficiency.
Our digital tools are designed to enhance your financial experience in a variety of ways. From seamless communication channels that allow you to easily connect with our team, to user-friendly interfaces that make managing your accounts a breeze, our digital technology is built with your needs in mind. Our tools also provide advanced features that streamline transactions, making it easier than ever to securely move and manage your money.
Experience the future of finance with our cutting-edge digital technology and unlock new possibilities for managing your financial affairs
Our digital tools are designed to enhance your financial experience in a variety of ways. From seamless communication channels that allow you to easily connect with our team, to user-friendly interfaces that make managing your accounts a breeze, our digital technology is built with your needs in mind. Our tools also provide advanced features that streamline transactions, making it easier than ever to securely move and manage your money.
Experience the future of finance with our cutting-edge digital technology and unlock new possibilities for managing your financial affairs
Morgan Stanley Online and MS Mobile
Morgan Stanley Online (MSO) offers a wide range of features beyond accessing your account balance and activity. With MSO, you can efficiently manage everyday financial tasks such as bill payments, fund transfers, and expedited transactions with eAuthorizations, saving you time and effort.
Morgan Stanley OnlineTotal Wealth View
Total Wealth View provides a macro view of your wealth by aggregating accounts from multiple sources into one secure platform. Leveraging this innovative feature, our team can provide more personalized advice, tailored specifically to your unique financial situation. Experience the power of Total Wealth View to confidently manage your financial future.
Total Wealth VieweAuthorizations
eAuthorizations is a highly secure and efficient electronic transaction approval solution offered by Morgan Stanley. With a single click on the Morgan Stanley Online or Mobile App, users can authorize transactions with confidence, knowing that their sensitive information is protected through robust security protocols.
eAuthorizations Client GuideDigital Vault
With the Digital Vault, on Morgan Stanley Online and the Mobile App, you can easily and securely access, upload, or share life's most important documents. Whether it's wills, deeds, financial statements, or tax fillings, the Digital Vault enables you to manage all of your records in one location, while maintaining the highest levels of data security and privacy.
Digital Vault Client GuideeSign
Our clients can take advantages of an efficient and streamlined document management process, which expedites the receipt, review, and execution of essential documents without the delays often associated with traditional mailing methods. The seamless utilization of our eSign feature only requires a valid email address and phone number to commence, making it a hassle-free process for our valued users.
eDelivery
eDelivery provides Morgan Stanley Online registered clients with convenient and flexible access to important documents in an electronic format, eliminating the need for paper copies. The platform supports a wide range of documents including statements, trade confirmations, prospectuses, tax documents, syndicate offerings, shareholder communications, and portfolio reports.
eDelivery Client GuideWealth Education For The Next Generation
At Morgan Stanley, we believe that knowledge is the key to unlocking future success, and we’re excited to share our thought leadership and experience with you! Hosted by Caroline Gundeck, Head of UHNW Client and Field Engagement and Charline Burgess, Senior Wealth Education Specialist, you will learn about financial concepts, investing, and money management in a fun and interactive way.
Money & Saving: May 5, 2025
During this session learn key strategies in budgeting, investing, and planning for a secure financial future. Gain practical tips and tools to enhance money management skills and transform your financial approach to achieve long-term success.
Watch Replay Here
Navigating Joint Finances: April 4, 2025
This session will guide your clients through the essential conversations to have before marriage, ensuring they align on finances and communication – key pillars for building a strong and lasting foundation together.
Watch Replay Here
Home Buying: March 3, 2025
This session will educate your clients on the home buying process, and the decisions you will need to make along the way, helps make it easier to make well-informed choices that align with your overall goals, priorities and vision for the future.
Watch Replay Here
Understanding Market Dynamics: February 3, 2025
Join us for a session featuring Caroline Gundeck, Head of UHNW Client and Field Engagement, Charline Burgess, Senior Wealth Education Specialist, and Kevin Demers, Investment Strategist, as they present a broader understanding of investment indices, market cycles and the critical role of timing in investment success.
Watch Replay Here
Cybersecurity: June 3, 2024
Our third session of this series will explore the skills that are important to safeguard your online identity and assets, from common cyber threats to learning best practices for secure online transactions. This session will cover practical strategies to stay safe in today’s digital landscape
Watch Replay Here
Exploring Investments: Stocks, Bonds, and Beyond: July 1, 2023
Our fourth session will dive into the fundamentals of investing, from understanding market dynamics, defining asset classes such as stocks and bonds and other investment vehicles, as well as discussing asset allocation and diversification, this session will provide valuable insights to kickstart your investment journey.
Watch Replay Here
Health is Wealth with Dr. Kim Henderson: Monday, September 9, 2024
Join us for a session featuring Dr. Kim Henderson, Head of Wealth Management Health & Wellness Education who will provide us with insights into managing healthcare, investing in preventative care, and cultivating healthy habits that could lead to long- term prosperity.
Watch Replay HereLocation
444 East Main St
Ste 111
Lexington, KY 40507
US
Direct:
(859) 231-9500(859) 231-9500
Toll-Free:
(800) 354-9559(800) 354-9559
Meet The Brown Biggins Group
Phone:
(859) 231-9555(859) 231-9555
Isabella Hofmann
Registered Client Service Associate
Phone:
(859) 231-9548(859) 231-9548
Katherine Wright, CFP
Registered Client Service Associate
Phone:
(859) 231-9512(859) 231-9512
About Christy Brown
Christy is one of the founding members of the Brotherton Brown Group which started in 2008. Originally from Bowling Green, Kentucky, she received her Bachelor of Arts degree in Business Administration from Transylvania University in Lexington, KY. Christy started at Smith Barney as a Client Service Associate, and upon obtaining her FINRA securities licenses she began working with clients as a Financial Advisor in June 2006.
In 2008, she earned the designation Chartered Retirement Planning Counselor℠, and in 2011, she became a CERTIFIED FINANCIAL PLANNER™.
Christy is the Portfolio Management Director for Brown Biggins Group. She focuses on investment management as well as financial and retirement planning strategies for individuals, families, and organizations in Lexington and across the US.
When Christy is not assisting clients with their financial goals, she enjoys traveling, being outdoors, and photography as well as community involvement. She served as a former board member for Kidney Health Alliance of Kentucky and Junior League of Lexington. She has participated in leadership programs such as Leadership Lexington, Leadership Central Kentucky, and Leadership Kentucky.
Christy was recognized in the Forbes Top Women Wealth Advisors Best-In-State and Best-In State in 2023, 2024, & 2025 .
2023 - 2025 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2023 - 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
In 2008, she earned the designation Chartered Retirement Planning Counselor℠, and in 2011, she became a CERTIFIED FINANCIAL PLANNER™.
Christy is the Portfolio Management Director for Brown Biggins Group. She focuses on investment management as well as financial and retirement planning strategies for individuals, families, and organizations in Lexington and across the US.
When Christy is not assisting clients with their financial goals, she enjoys traveling, being outdoors, and photography as well as community involvement. She served as a former board member for Kidney Health Alliance of Kentucky and Junior League of Lexington. She has participated in leadership programs such as Leadership Lexington, Leadership Central Kentucky, and Leadership Kentucky.
Christy was recognized in the Forbes Top Women Wealth Advisors Best-In-State and Best-In State in 2023, 2024, & 2025 .
2023 - 2025 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2023 - 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: IN, GA, AZ, NM, MS, IL, ME, KY, FL, TX, OH, HI, MO, WV, LA, VA, UT, PA, NC, CA, NY, DE, TN, SC, MI, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1279384
NMLS#: 1279384
About Emily K. Biggins
Emily joined the Brotherton Brown Group in 2015 as a Client Service Associate after relocating to Lexington from Cincinnati, where she worked for two years as a Client Relationship Manager at an independent financial firm. Originally from Akron, Ohio she received her Bachelors of Science degree in Business Administration with a double major in marketing and finance from the University of Dayton in 2013. She received her CERTIFIED FINANCIAL PLANNER® designation in the spring of 2017 and transitioned into the role of Financial Advisor in the summer of 2018. Now as the Brown Biggins Group, Emily’s main emphasis is helping clients identify and assess specific financial goals. Together, she and Christy build investment and insurance recommendations to assist clients in reaching financial independence. In 2025 Emily became a Certified Private Wealth Advisor® professional which allows her to assist clients with advanced wealth management strategies including tax and legacy planning.
When Emily is not assisting clients, she enjoys skiing, hiking, running and cheering on her favorite sports teams with her husband Eric and chasing around her toddler William. Emily also enjoys giving back to the Lexington area. She served as Treasurer for Girls on the Run Central Kentucky from 2018 to 2024. She is an active member of the Junior League of Lexington and where she has served on the board of their Charity Horse Show and sat on the Community Education and Research Committee for two years. Additionally, Emily is a graduate of the 2021-2022 Leadership Lexington Class through Commerce Lexington where she connected with other leaders and learned about the city of Lexington.
When Emily is not assisting clients, she enjoys skiing, hiking, running and cheering on her favorite sports teams with her husband Eric and chasing around her toddler William. Emily also enjoys giving back to the Lexington area. She served as Treasurer for Girls on the Run Central Kentucky from 2018 to 2024. She is an active member of the Junior League of Lexington and where she has served on the board of their Charity Horse Show and sat on the Community Education and Research Committee for two years. Additionally, Emily is a graduate of the 2021-2022 Leadership Lexington Class through Commerce Lexington where she connected with other leaders and learned about the city of Lexington.
Securities Agent: TN, MO, PA, OH, ME, WV, NY, NM, CA, TX, SC, MD, KY, GA, AZ, NC, IN, HI, DE, VA, IL, MS, MI, UT, LA, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1786403
NMLS#: 1786403
About Isabella Hofmann
Isabella, a proud graduate of the University of Kentucky with a degree in Finance and Business Management, embarked on her journey in the financial services with Morgan Stanley in 2022. While in school, she had the privilege to intern with Houchens Insurance Group, where she honed her skills in client management, working hand-in-hand with producers. This experience gave her unique insights, drawing parallels between working with producers in the insurance world and financial advisors in the services industry.
Born and raised in Louisville, KY, Isabella cherishes her tight-knit family, consisting of her parents, a younger sister, and two small dogs that she adores. She carries the same devotion and care into her work life, aiming to treat Morgan Stanley's clients with the same dedication and respect she'd wish for her own family.
An active member of her childhood church, Isabella has always been committed to her community. Over the years, she has taken part in numerous philanthropic endeavors through her church. She holds a special place in her heart for the Alzheimer's Research Foundation, a charity she is deeply affiliated with.
When she's not assisting clients, Isabella enjoys many activities outside of work from the adrenaline of working out to the joys of traveling. She's an avid concert-goer and has a love for music festivals. Above all, she treasures quality time with family and friends, cherishing the relationships she has built over the years.
To Isabella, these bonds are paramount, and she aims to mirror this sentiment in her professional life. She wants her clients to know that the standard of service she provides at Morgan Stanley is the same she'd want her loved ones to experience: rooted in trust, dedication, and a genuine commitment to their best interests.
Born and raised in Louisville, KY, Isabella cherishes her tight-knit family, consisting of her parents, a younger sister, and two small dogs that she adores. She carries the same devotion and care into her work life, aiming to treat Morgan Stanley's clients with the same dedication and respect she'd wish for her own family.
An active member of her childhood church, Isabella has always been committed to her community. Over the years, she has taken part in numerous philanthropic endeavors through her church. She holds a special place in her heart for the Alzheimer's Research Foundation, a charity she is deeply affiliated with.
When she's not assisting clients, Isabella enjoys many activities outside of work from the adrenaline of working out to the joys of traveling. She's an avid concert-goer and has a love for music festivals. Above all, she treasures quality time with family and friends, cherishing the relationships she has built over the years.
To Isabella, these bonds are paramount, and she aims to mirror this sentiment in her professional life. She wants her clients to know that the standard of service she provides at Morgan Stanley is the same she'd want her loved ones to experience: rooted in trust, dedication, and a genuine commitment to their best interests.
About Katherine Wright
Katherine joins the Brown Biggins Group as a Registered Client Service Associate after spending 2 years in the financial industry with another firm. While in her previous role, she received her Series 7 and 66 licenses to become fully registered and built her foundation in understanding the importance of client service. She has since obtained her CERTIFIED FINANCIAL PLANNER®* designation in July 2025. Prior to entering the financial services industry, Katherine spent more than three years teaching public school choir where she sharpened her passion for helping others. A native Lexingtonian, Katherine is a proud Bryan Station High School alumnus and graduated from the University of Kentucky with a bachelor’s degree in choral music education.
Aside from her professional world, Katherine enjoys singing, playing various instruments, volunteering with Habitat for Humanity, volunteering as the community service chair and president-elect with Rotary Club, serving on the board of directors for OperaLEX, and attending services at the Church of the Good Shepherd. Katherine also enjoys experiencing other cultures through international travel and is fluent in Spanish.
Katherine brings her enthusiasm for helping clients and building lasting client relationships to her work every day. Katherine’s work is one of the primary joys of her life, and she aims to show this joy through her interactions with each client.
*This role cannot solicit or provide investment advice.
Aside from her professional world, Katherine enjoys singing, playing various instruments, volunteering with Habitat for Humanity, volunteering as the community service chair and president-elect with Rotary Club, serving on the board of directors for OperaLEX, and attending services at the Church of the Good Shepherd. Katherine also enjoys experiencing other cultures through international travel and is fluent in Spanish.
Katherine brings her enthusiasm for helping clients and building lasting client relationships to her work every day. Katherine’s work is one of the primary joys of her life, and she aims to show this joy through her interactions with each client.
*This role cannot solicit or provide investment advice.
Contact Christy Brown
Contact Emily K. Biggins
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2024-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Wealth Management
From Our Team
Donor Advised Funds: A Smart Way to Manage Your Giving
Wealth Management
Global Investment Office
Portfolio Insights
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
5 Steps to Create a Budget
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Ready to start a conversation? Contact The Brown Biggins Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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.
4When 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.
5Morgan 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
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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.
4When 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.
5Morgan 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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
