Robert Harvie
The Winter Park Group at Morgan Stanley
The Winter Park Difference
The Winter Park Group has been working together to help clients reach their financial goals since 1990. The team’s financial advisors bring together their collective knowledge and experience to give clients a unique experience from the first meeting. Robert and Kent utilize their extensive education and involvement teaching financial planning and investing classes at various institutions to introduce the financial planning process from an educational perspective.
Robert and Kent are able to put the combination of a CFP©, CIMA© and CFA© designations together to implement a holistic service model that assists their clients with not only investments, but tax efficiency, asset allocation and risk management as well. The team approaches financial planning as a collaborative process to help maximize a Client’s potential for meeting life goals through smart financial advice that integrates relevant elements of the Client’s personal and financial circumstances. The process begins by developing a plan and then applying investment selection combined with asset allocation while consistently remaining tax aware with ongoing monitoring to ensure that a client’s plan is still aligned with their goals as cost effectively as possible. Finally, each portfolio manager sets themselves apart with their own portfolio structure developed and refined over many years.
With over thirty-four years of portfolio management experience and an extensive academic background, which includes an MBA and a Masters of Applied Economics, Kent manages each client’s portfolio using Modern Portfolio Theory, assessing risk and return ratios to match each client’s short and long term goals. Relying on historical economic cycles, his portfolios combine active and passive indexing strategies to focus on returns, as well as market risk. Kent developed his investment portfolio in 1994 and continues his portfolio strategies exactly the same today.
After helping Clients navigate the difficult 2001 Tech Bubble and the 2008 Financial Crisis the team began to consider other risk management strategies. Over the last 10 years Robert developed and refined a suite of quantitative tactical models designed to benefit from the dissimilar return streams of low or non-correlated beta factors. Each model is rules based with a systematic rebalance. The models are adaptive in nature by adjusting to different market conditions in composition, including the ability to move to cash in bear markets. Robert employs a direct indexing strategy that owns the underlying positions within the index or combination of indexes they follow which allows the opportunity to participate in individual stock growth, take advantage of dividends and tax efficiently manage gains / losses on an individual position basis.
The Winter Park Group has clients across the country and supports several philanthropic organizations. Outside of the office, the team enjoys taking some time off trekking and mountaineering together. For the team’s 20th anniversary, Robert and Kent took a trip to Tanzania, Africa to climb Mount Kilimanjaro.
If you have over $500,000 of investable assets and would be interested in our portfolios or direct indexing strategies we would welcome the opportunity to review your current situation to see how we can help achieve your financial goals. To learn more contact us today.
This material is intended only for clients and prospective clients of the Portfolio Management program. It has been prepared solely for informational purposes only and is not an offer to buy or sell or a solicitation of any offer to buy or sell any security or other financial instrument, or to participate in any trading strategy.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Holdings are subject to change daily, so any securities discussed in this material may or may not be included in your account if you invest in this investment strategy. Past performance of any security is not a guarantee of future performance. There is no guarantee that this investment strategy will work under all market conditions. Do not assume that any holdings mentioned were, or will be, profitable.
The performance, holdings, sector weightings, portfolio traits and other data for an actual account may differ from that in this material due to various factors including the size of an account, cash flows within an account, and restrictions on an account.
Top holdings, sector allocation, portfolio statistics and credit quality are based on the recommended portfolio for new investors as of the date specified. Holdings lists indicate the largest security holdings by allocation weight as of the specified date. Other data in this material is believed to be accurate as of the date this material was prepared unless stated otherwise. Data in this material may be calculated by Morgan Stanley or by third party providers licensed by the Financial Advisors or Morgan Stanley.
Material in this presentation has been obtained from sources that we believe to be reliable, but we do not guarantee its accuracy, completeness or timeliness. Third party data providers make no warranties or representations relating to the accuracy, completeness or timeliness of the data they provide and are not liable for any damages relating to this data.
Morgan Stanley Wealth Management has no obligation to notify you when information in this presentation changes.
Indices are unmanaged. An investor cannot invest directly in an index.
Morgan Stanley and its Financial Advisors do not provide tax or legal advice. Individuals should seek advice based on their particular circumstances from an independent tax or legal advisor.
Equity securities may fluctuate in response to news on companies, industries, market conditions and the general economic environment. Companies cannot assure or guarantee a certain rate of return or dividend yield; they can increase, decrease or totally eliminate their dividends without notice.
Robert and Kent are able to put the combination of a CFP©, CIMA© and CFA© designations together to implement a holistic service model that assists their clients with not only investments, but tax efficiency, asset allocation and risk management as well. The team approaches financial planning as a collaborative process to help maximize a Client’s potential for meeting life goals through smart financial advice that integrates relevant elements of the Client’s personal and financial circumstances. The process begins by developing a plan and then applying investment selection combined with asset allocation while consistently remaining tax aware with ongoing monitoring to ensure that a client’s plan is still aligned with their goals as cost effectively as possible. Finally, each portfolio manager sets themselves apart with their own portfolio structure developed and refined over many years.
With over thirty-four years of portfolio management experience and an extensive academic background, which includes an MBA and a Masters of Applied Economics, Kent manages each client’s portfolio using Modern Portfolio Theory, assessing risk and return ratios to match each client’s short and long term goals. Relying on historical economic cycles, his portfolios combine active and passive indexing strategies to focus on returns, as well as market risk. Kent developed his investment portfolio in 1994 and continues his portfolio strategies exactly the same today.
After helping Clients navigate the difficult 2001 Tech Bubble and the 2008 Financial Crisis the team began to consider other risk management strategies. Over the last 10 years Robert developed and refined a suite of quantitative tactical models designed to benefit from the dissimilar return streams of low or non-correlated beta factors. Each model is rules based with a systematic rebalance. The models are adaptive in nature by adjusting to different market conditions in composition, including the ability to move to cash in bear markets. Robert employs a direct indexing strategy that owns the underlying positions within the index or combination of indexes they follow which allows the opportunity to participate in individual stock growth, take advantage of dividends and tax efficiently manage gains / losses on an individual position basis.
The Winter Park Group has clients across the country and supports several philanthropic organizations. Outside of the office, the team enjoys taking some time off trekking and mountaineering together. For the team’s 20th anniversary, Robert and Kent took a trip to Tanzania, Africa to climb Mount Kilimanjaro.
If you have over $500,000 of investable assets and would be interested in our portfolios or direct indexing strategies we would welcome the opportunity to review your current situation to see how we can help achieve your financial goals. To learn more contact us today.
This material is intended only for clients and prospective clients of the Portfolio Management program. It has been prepared solely for informational purposes only and is not an offer to buy or sell or a solicitation of any offer to buy or sell any security or other financial instrument, or to participate in any trading strategy.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Holdings are subject to change daily, so any securities discussed in this material may or may not be included in your account if you invest in this investment strategy. Past performance of any security is not a guarantee of future performance. There is no guarantee that this investment strategy will work under all market conditions. Do not assume that any holdings mentioned were, or will be, profitable.
The performance, holdings, sector weightings, portfolio traits and other data for an actual account may differ from that in this material due to various factors including the size of an account, cash flows within an account, and restrictions on an account.
Top holdings, sector allocation, portfolio statistics and credit quality are based on the recommended portfolio for new investors as of the date specified. Holdings lists indicate the largest security holdings by allocation weight as of the specified date. Other data in this material is believed to be accurate as of the date this material was prepared unless stated otherwise. Data in this material may be calculated by Morgan Stanley or by third party providers licensed by the Financial Advisors or Morgan Stanley.
Material in this presentation has been obtained from sources that we believe to be reliable, but we do not guarantee its accuracy, completeness or timeliness. Third party data providers make no warranties or representations relating to the accuracy, completeness or timeliness of the data they provide and are not liable for any damages relating to this data.
Morgan Stanley Wealth Management has no obligation to notify you when information in this presentation changes.
Indices are unmanaged. An investor cannot invest directly in an index.
Morgan Stanley and its Financial Advisors do not provide tax or legal advice. Individuals should seek advice based on their particular circumstances from an independent tax or legal advisor.
Equity securities may fluctuate in response to news on companies, industries, market conditions and the general economic environment. Companies cannot assure or guarantee a certain rate of return or dividend yield; they can increase, decrease or totally eliminate their dividends without notice.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
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Get Started TodayYour Wealth Management Team
Family Wealth Director is a rare distinction, earned by less than 5% of Morgan Stanley’s 16,000 Financial Advisors. The designation is given to those who have extensive experience working with ultra-high net worth families, and who have undergone specialized training. Family Wealth Directors then have direct access to an extensive range of resources needed to help highly affluent families manage the complex, multigenerational challenges of managing significant wealth.
As your Family Wealth Director, Robert Harvie will work with you and your family to develop a comprehensive plan that incorporates issues of family dynamics, wealth transfer, asset protection strategies, and location and business succession planning. The focus will be on helping you:
1) Maintain family unity across generations
2) Easing administration burdens by managing some of the most complex aspects of your life
3) Protect your assets and transfer them efficiently to the next generation and the causes and institutions you support
4) Develop strategies that pass down family values as well as family assets
5) Access specialized ultra-high net worth resources and strategies tailored specifically to your needs and goals
Just as a business owner has a thorough knowledge of a company’s opportunities, risks, capital structure and financial objectives, your Family Wealth Director begins by developing a similar understanding of you and your family. Robert translates this knowledge into strategy and process and works with you to help manage not only your investments but also your balance sheet and liquidity needs. The global resources of Morgan Stanley and coordination with outside advisors will likely include specialists in areas such as risk management, customized liquidity strategies and income and estate taxation.
We are dedicated to providing you with strategies and resources that can help you achieve your retirement goals in today’s changing financial environment. The Retirement Standard is meant to help connect all the pieces of your financial life with a comprehensive plan of action designed to help put you on a path to the retirement you envision.
As your Family Wealth Director, Robert Harvie will work with you and your family to develop a comprehensive plan that incorporates issues of family dynamics, wealth transfer, asset protection strategies, and location and business succession planning. The focus will be on helping you:
1) Maintain family unity across generations
2) Easing administration burdens by managing some of the most complex aspects of your life
3) Protect your assets and transfer them efficiently to the next generation and the causes and institutions you support
4) Develop strategies that pass down family values as well as family assets
5) Access specialized ultra-high net worth resources and strategies tailored specifically to your needs and goals
Just as a business owner has a thorough knowledge of a company’s opportunities, risks, capital structure and financial objectives, your Family Wealth Director begins by developing a similar understanding of you and your family. Robert translates this knowledge into strategy and process and works with you to help manage not only your investments but also your balance sheet and liquidity needs. The global resources of Morgan Stanley and coordination with outside advisors will likely include specialists in areas such as risk management, customized liquidity strategies and income and estate taxation.
We are dedicated to providing you with strategies and resources that can help you achieve your retirement goals in today’s changing financial environment. The Retirement Standard is meant to help connect all the pieces of your financial life with a comprehensive plan of action designed to help put you on a path to the retirement you envision.
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Suite 500
Winter Park, FL 32789
US
Direct:
(407) 740-4927(407) 740-4927
Meet The Winter Park Group
Kent Akins
Jordan Scott
Luis Alvarez
Registered Client Service Associate
Phone:
(407) 740-4987(407) 740-4987
Lana Bull
Senior Registered Client Service Associate
Phone:
(407) 740-4941(407) 740-4941
Renee Schrader
Wealth Management Associate
Phone:
(407) 740-4927(407) 740-4927
About Luis Alvarez
Luis Alvarez is a Registered Client Service Associate with Morgan Stanley. He assists clients with effectively navigating the various services that the Firm provides as well as other general requests and inquiries.
Luis was born in San Juan, Puerto Rico and raised on the east coast of PR. He moved to Kissimmee, Florida in 2010. His interest for finance began in high school and was stoked through avid market research. Specifically, he developed a passion for technical analysis, order flows, and options. Luis earned his A.S. in Business Administration and his B.A. in Business and Organizational Leadership. Luis previously worked for Charles Schwab as a broker on the retail line with a focus on exceptional customer service including account maintenance, trading, money movement, and other client requests. In his free time, he enjoys spending time with his family and friends, playing basketball and weightlifting.
Luis was born in San Juan, Puerto Rico and raised on the east coast of PR. He moved to Kissimmee, Florida in 2010. His interest for finance began in high school and was stoked through avid market research. Specifically, he developed a passion for technical analysis, order flows, and options. Luis earned his A.S. in Business Administration and his B.A. in Business and Organizational Leadership. Luis previously worked for Charles Schwab as a broker on the retail line with a focus on exceptional customer service including account maintenance, trading, money movement, and other client requests. In his free time, he enjoys spending time with his family and friends, playing basketball and weightlifting.
About Lana Bull
Lana Bull began her career as a registered representative in 2007 at Bank of America in Charlotte, NC and in 2010 joined Charles Schwab in Maitland, FL. She started with Morgan Stanley in 2018 as a Registered Service Associate and became a Client Service Associate in 2021. In 2024, she joined the Winter Park Group as a Senior Registered Client Service Associate. Her primary responsibility is to handle daily operational and administrative responsibilities. She holds both the Series 7 and 66 licenses.
Lana graduated from UNC Charlotte with a Bachelor of Science in Business Administration degree Finance with a minor in Economics.
In her free time, Lana enjoys traveling and spending time with her family and friends.
Lana graduated from UNC Charlotte with a Bachelor of Science in Business Administration degree Finance with a minor in Economics.
In her free time, Lana enjoys traveling and spending time with her family and friends.
About Renee Schrader
Renee Schrader began her career with Morgan Stanley in 2017 and joined The Winter Park Group in 2025. Renee is a vital team member ensuring clients receive timely and tailored service. Her extensive background in Human Resources has enabled her to build lasting relationships with our clients and their families. Renee graduated from Upper Iowa University with her Bachelor of Science in Human Service and a business minor. She is both Series 7 and 66 licensed.
Outside of work, she enjoys spending time with family, volunteering, and getting outdoors.
Outside of work, she enjoys spending time with family, volunteering, and getting outdoors.
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
Rachael Crapsi, CFP®, CPWA®
Financial Planning Director, Vice President
About Rachael Crapsi
Rachael Crapsi, CFP®, CPWA® is a financial planning director serving Morgan Stanley’s Wealth Management offices in Florida. She is responsible for helping financial advisors with their clients’ financial planning needs.
Rachael began her career in financial services in 2012 and joined Morgan Stanley in 2022. Prior to her current position, she has worked as a financial advisor in Cincinnati, OH at JP Morgan and Fifth Third Private Bank, serving affluent families by developing authentic, lasting relationships while helping to preserve, build and transfer wealth.
She is a graduate of The Ohio State University where she earned degrees in Finance and International Business with a focus in Mandarin. Rachael holds her CERTIFIED FINANCIAL PLANNER® and CERTIFIED PRIVATE WEALTH ADVISOR® designations.
Originally from Buffalo, New York, Rachael now resides in Jacksonville, Florida. Outside of work, she enjoys playing soccer, traveling and cooking.
DISCLOSURE:
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 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.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC# 4732896 08/2025
Rachael began her career in financial services in 2012 and joined Morgan Stanley in 2022. Prior to her current position, she has worked as a financial advisor in Cincinnati, OH at JP Morgan and Fifth Third Private Bank, serving affluent families by developing authentic, lasting relationships while helping to preserve, build and transfer wealth.
She is a graduate of The Ohio State University where she earned degrees in Finance and International Business with a focus in Mandarin. Rachael holds her CERTIFIED FINANCIAL PLANNER® and CERTIFIED PRIVATE WEALTH ADVISOR® designations.
Originally from Buffalo, New York, Rachael now resides in Jacksonville, Florida. Outside of work, she enjoys playing soccer, traveling and cooking.
DISCLOSURE:
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 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.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC# 4732896 08/2025
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.
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.
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Winter Park 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.
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
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
CRC 4665150 (8/2025)
