Chuck Jarrett
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director, Family Wealth Advisor
Phone:
(757) 597-9627(757) 597-9627
The Oyster Point Group at Morgan Stanley
Direct:
(757) 597-9627(757) 597-9627
Toll-Free:
(800) 622-3430(800) 622-3430
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Welcome
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you strive to preserve and grow your wealth. You'll have access to some of the world's most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices
Frequently Asked Questions
Who is The Oyster Point Group at Morgan Stanley?
The Oyster Point Group is a wealth management team at Morgan Stanley in Newport News, Virginia. The team is led by Chuck Jarrett, a Senior Portfolio Management Director, Financial Advisor, and Family Wealth Advisor with Morgan Stanley since 2000, and James Hicks, a Financial Advisor and Financial Planning Specialist. Together, they serve individuals, families, business owners, and retirees.
What services does The Oyster Point Group provide?
The Oyster Point Group provides comprehensive wealth management services including retirement planning, 401(k) rollovers, investment management, financial planning, estate planning strategies, generational wealth transfer, trust accounts, 529 education savings plans, and business planning. They also serve corporate clients through Morgan Stanley at Work equity and retirement programs.
Who does The Oyster Point Group typically work with?
The team works with established families, pre-retirees and retirees, business owners, and working professionals. They serve clients navigating complex financial decisions including retirement transitions, generational wealth planning, estate strategies, and corporate equity compensation.
What makes The Oyster Point Group different from other financial advisors in Newport News?
The Oyster Point Group combines over three decades of local presence on the Virginia Peninsula with a structured, five-step consultative wealth process and specialized credentials, including Chuck Jarrett's Family Wealth Advisor and Portfolio Management Director designations and James Hicks' Financial Planning Specialist designation — backed by Morgan Stanley's global investment platform and resources.
What is a Family Wealth Advisor at Morgan Stanley?
A Family Wealth Advisor is a specialized Morgan Stanley designation for advisors who work with clients on complex, multi-generational wealth challenges including estate planning strategies, family governance, wealth transfer, and legacy planning. Chuck Jarrett holds this designation and focuses on helping established families preserve and transfer wealth across generations.
Does The Oyster Point Group help with 401(k) rollovers?
Yes. The Oyster Point Group specializes in helping business owners and professionals navigate 401(k) rollovers, evaluate retirement plan options, and build personalized financial plans.
Does The Oyster Point Group work with business owners?
Yes. The team advises business owners on succession planning, qualified retirement plans, business financial planning, and pre-liquidity event strategies. They work with business owners across Newport News and the broader Hampton Roads area who are preparing for a sale, transition, or long-term ownership strategy. They also help business owners establish and manage SIMPLE IRA, SEP IRA, and 401k plans.
Where is The Oyster Point Group located?
The Oyster Point Group is located primarily at 701 Town Center Drive, Suite 902, Newport News, Virginia 23606. Chuck Jarrett also has an office at 222 Central Park Avenue, Suite 1800, Virginia Beach, Virginia 23462. They serve clients throughout twenty-six states.
How do I get started with The Oyster Point Group?
You can call the team directly at (757) 597-9637 or submit a contact request on this page. The first step is a no-obligation introductory meeting where the team learns about your financial goals, your family situation, and what you are looking to accomplish before any recommendations are made.
Is The Oyster Point Group registered and regulated?
Yes. Chuck Jarrett and James Hicks are registered with Morgan Stanley Smith Barney LLC, a registered broker-dealer and investment adviser. You can verify their credentials and background at no cost through FINRA's BrokerCheck at brokercheck.finra.org.
What are the IRA contribution limits for 2026?
For 2026, you may contribute up to $7,500 to an IRA (or $8,600 if you are age 50 or older), limited to 100% of your earned income (whichever is less). This is the maximum total you can contribute across all Traditional and Roth IRAs combined.
What type of accounts can we open?
Morgan Stanley offers a broad set of account registrations across personal, trust/estate, business/entity, education, retirement/workplace, and non-custody/non-transactional accounts. To find out more, you can call the team directly at (757) 597-9637 or submit a contact request on this page.
When do I start taking Required Minimum Distributions?
Individuals start taking RMDs for Traditional, Rollover, SEP, SAR-SEP, and SIMPLE IRAs the year they reach "RMD Age," which depends on date of birth. If you were born before 7/1/1949, your RMD age is 70 ½. If you were born between 6/30/1949 – 12/31/1950, your RMD age is 72. If you were born between 1/1/1951 – 12/31/1959, your RMD age is 73. Finally, if you were born 1/1/1960 or later, your RMD age is 75.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
Our Five Step Consultative Process ensures that we dot all the i's and cross all the t's. Every client is offered the same experience, start to finish, and this process is crucial to developing the most efficient and accurate wealth strategy and lasting relationship.
Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Detailed Discovery
• Define needs, goals, expectations
• Learn more about family– including children, interests, careers, dependents, parents, etc.
• Previous/current experience with advisor– likes and dislikes
• Current investments
• LifeView Plan
• Learn more about family– including children, interests, careers, dependents, parents, etc.
• Previous/current experience with advisor– likes and dislikes
• Current investments
• LifeView Plan
Analysis
• Explain detailed findings on current investments
• Recommend a broad picture plan based on defined needs, goals and expectations
• Discuss inputs and results of LifeView Plan to confirm accuracy and complete understanding
• Set expectation going forward
• Recommend a broad picture plan based on defined needs, goals and expectations
• Discuss inputs and results of LifeView Plan to confirm accuracy and complete understanding
• Set expectation going forward
Presentation
• Propose investment implementation based on all information gathered
• Interpret results of the LifeView Plan
• Explain Client Experience
• Interpret results of the LifeView Plan
• Explain Client Experience
Implementation
• Authorize necessary paperwork
• Collect "new account profile" information
• Collect all necessary statements for transfers
• Provide service expectation packet
• Collect "new account profile" information
• Collect all necessary statements for transfers
• Provide service expectation packet
Continuum
• 45 day Check-In: Statement Review/Online Access Set Up/OneView Enrollment/E-Delivery
• Monthly/Quarterly Outreach
• Quarterly/Semi Annual Client Review
• Monthly/Quarterly Outreach
• Quarterly/Semi Annual Client Review
Distinguished Community Contribution
We are proud to announce that Chuck, one of our dedicated Financial Advisors, has been honored with a Distinguished Community Contribution award for his outstanding contributions to "Here for the Girls," a breast cancer awareness organization. His commitment to making a difference exemplifies the values we uphold at Morgan Stanley.
Outstanding Community Service Acknowledgement
Here, Chuck shares his deeply inspiring story in his own words.
Click Here to WatchINSIGHTS & INFORMATION
Here at Morgan Stanley, we strive to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future. I am a firm believer of giving my clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
Home Affordability Still Under Pressure
Our Co-Heads of Securitized Product Research Jay Bacow and James Egan discuss the outlook for mortgage rates and the U.S. housing market in 2026.
What’s Driving U.S. Growth in 2026
Our Chief U.S. Economist Michael Gapen breaks down how growth, inflation and the AI revolution could play out in 2026.
The New Technologies for Longer, Healthier Lives
Revolutionary ways to prevent and treat disease can add decades to people's lives. Here's what investors should know about the opportunities in the longevity theme
Overcoming Your 5 Biggest Retirement Challenges
While saving for a retirement is an important topic, it's at least as important as what comes next: Your plan of action once you enter retirement.
Location
701 Town Center Dr
Suite 902
Newport News, VA 23606
US
Direct:
(757) 597-9627(757) 597-9627
Toll-Free:
(800) 622-3430(800) 622-3430
Meet The Oyster Point Group
Phone:
(757) 597-9640(757) 597-9640
Amanda Hayes
Client Service Associate
Phone:
(757) 597-9622(757) 597-9622
Jordan Chellew
Team Administrator
Phone:
(757) 597-9637(757) 597-9637
About Chuck Jarrett
Chuck has been a Financial Advisor with Morgan Stanley since 2000. He holds B.S. degrees in Accounting and Finance from Ferrum College and is an Executive Director and Senior Portfolio Management Director within The Oyster Point Group. Chuck focuses on helping individuals, families and business owners achieve their financial goals, by providing advice on Investment Planning; Retirement Planning; Insurance Planning; Tax Planning; Estate Planning Strategies; Intergenerational Wealth Transfer Planning; and Educational Savings Planning. Working with a network of highly skilled professionals, he is dedicated in providing high-quality advice and integrated wealth management solutions that can simplify and enhance the quality of his clients’ lives. Chuck lives with his wife Elizabeth, and their three children Payton, Brooke, and Hudson in Williamsburg. When not working Chuck enjoys heading to OBX with his family, playing golf and volunteering for local organizations to give back to his community.
Securities Agent: AZ, VA, TX, SC, AK, UT, MT, ME, MA, DE, OH, NJ, MI, IL, PA, IA, HI, WA, NC, AR, WV, KY, DC, CT, AL, OR, IN, MN, GA, TN, CA, NY, MO, MD, FL, CO; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288107
NMLS#: 1288107
About James Hicks
James was born and raised in Minnesota and moved to the Tidewater area as a teenager. He went on to graduate from Hampton Roads Academy and then went to Christopher Newport University, joining the Men’s Lacrosse team. While attending CNU James was active on campus and pursued a double major in Finance and Accounting. James went on to graduate from the Luter School of Business in 2019. While attending university in his senior year, James began an internship with TD Ameritrade in Newport News and then continued working with them in Columbia Maryland upon graduation and got his Series 7 and Series 66 Licenses and became registered as an Investment Adviser Representative and Registered Representative.
In 2020 James moved to Arlington Virginia and accepted a position with E*TRADE as a Financial Consultant in the Washington DC Branch, working with clients on navigating retirement plan options as well as helping advise them on portfolio allocation and financial planning. James eventually found his way back to the Tidewater area, joining The Oyster Point Group in June of 2022. As a member of the team, James is focused on helping to identify your goals and concerns and prioritize them, to create your financial goal plan. As well as financial planning, James can help clients with cash management solutions and working with our internal Private Bankers. With Morgan Stanley, James also holds the Financial Planning Specialist designation.
James lives in Newport News and enjoys exploring local breweries, hiking, running, cooking, and bourbon.
James additionally serves as a Board Member for the Peninsula Alumni Chapter at CNU and is active in the community.
Disclaimer:
Private Bankers are employees of Morgan Stanley Private Bank, National Association, Member FDIC.
In 2020 James moved to Arlington Virginia and accepted a position with E*TRADE as a Financial Consultant in the Washington DC Branch, working with clients on navigating retirement plan options as well as helping advise them on portfolio allocation and financial planning. James eventually found his way back to the Tidewater area, joining The Oyster Point Group in June of 2022. As a member of the team, James is focused on helping to identify your goals and concerns and prioritize them, to create your financial goal plan. As well as financial planning, James can help clients with cash management solutions and working with our internal Private Bankers. With Morgan Stanley, James also holds the Financial Planning Specialist designation.
James lives in Newport News and enjoys exploring local breweries, hiking, running, cooking, and bourbon.
James additionally serves as a Board Member for the Peninsula Alumni Chapter at CNU and is active in the community.
Disclaimer:
Private Bankers are employees of Morgan Stanley Private Bank, National Association, Member FDIC.
Securities Agent: AK, MO, UT, MI, VA, KY, HI, FL, WV, TX, NJ, IL, GA, CA, AL, MT, MN, IA, CO, AR, OH, MD, IN, SC, NY, DE, WA, OR, ME, DC, TN, NC, CT, AZ, PA, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 2403250
NMLS#: 2403250
About Amanda Hayes
Amanda joined the team in January 2026, bringing a diverse background in accounting, administration, and security from her roles as a Tax Paraprofessional at PBMares, LLP and Site Access Registration Administrator at Jefferson Lab.
She has over seventeen years of administrative experience that has given her strong organization, time management, and problem-solving skills. Amanda has earned her associate’s degree in accounting from Bryant and Stratton College.
Residing in Newport News with her fiancé, 2 dogs and 2 horses, Amanda enjoys trail riding with her horses, going to the beach, and reading.
She has over seventeen years of administrative experience that has given her strong organization, time management, and problem-solving skills. Amanda has earned her associate’s degree in accounting from Bryant and Stratton College.
Residing in Newport News with her fiancé, 2 dogs and 2 horses, Amanda enjoys trail riding with her horses, going to the beach, and reading.
About Jordan Chellew
Jordan Chellew is a senior Finance major at Old Dominion University and expects to graduate in May 2026. Jordan has earned the Securities Industry Essentials (SIE) credential and is currently pursuing the Series 7 license.
Jordan previously interned with The Oyster Point Group and is excited to return to the team as a Team Administrator.
Outside of the office, Jordan enjoys spending time with family and friends, reading, and playing with a puppy.
Jordan previously interned with The Oyster Point Group and is excited to return to the team as a Team Administrator.
Outside of the office, Jordan enjoys spending time with family and friends, reading, and playing with a puppy.
Contact Chuck Jarrett
Contact James Hicks
Wealth Management
Global Investment Office
Portfolio Insights
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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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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Oyster Point Group today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley’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.
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
6Morgan 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.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley’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.
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
6Morgan 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.
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)
