Senior Vice President, Financial Advisor, Portfolio Management Director, Family Wealth Advisor, Lending Specialist
Phone:
(910) 481-8585(910) 481-8585
Cardinal Point East Group at Morgan Stanley
Patricia CollieDavid Price, CFP®Louis A. Burney, JrNathan J Smith, CRPC®Tiffany Barlow, CFP®, CAIAChristina TaylorCraig CollieAleasha ConroyKelly Renegar
Direct:
(910) 509-1102(910) 509-1102
Direct:
(910) 481-8592(910) 481-8592
Direct:
(910) 481-8573(910) 481-8573
Our Mission Statement
Guiding clients as they navigate all aspects of their financial lives to achieve their unique goals.
Our Story and Services
There are many phases in your financial life. Working together, we will guide you to preserve and enhance your wealth with a focus on the priorities that matter the most to you and your family.
Our team of seasoned Financial Advisors will assist you in defining your goals and develop a customized plan to address your specific financial needs and aspirations. We utilize the vast array of intellectual capital at Morgan Stanley, including access to Family Office Resources.
We develop long-standing relationships based on trust. Integrity is the foundation for everything we do.
In 2025, our team was named as one of Forbes's Best In-State Wealth Management Teams in North Carolina.
Named to the 2025 Forbes Best-In-State Wealth Management Teams Ranking
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24.
In 2024, our team was named as one of Forbes's Best In-State Wealth Management Teams in North Carolina. In addition, Patty Collie was also named as one of Forbes Top Women Wealth Advisors Best-In-State in North Carolina.
Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC for the period 3/31/22-3/31/23
Forbes Top Women Best-In-State Wealth Advisors Source: Forbes.com (Awarded Feb 2024) Data compiled by SHOOK Research LLC for the period 9/30/22-9/30/23
Services Include
- Professional Portfolio ManagementFootnote1
- Estate Planning StrategiesFootnote2
- Financial PlanningFootnote3
- Retirement PlanningFootnote4
- Fixed IncomeFootnote5
- Cash Management and Lending ProductsFootnote6
- Life InsuranceFootnote7
- Business Succession PlanningFootnote8
- Trust AccountsFootnote9
- Philanthropic ManagementFootnote10
- Alternative InvestmentsFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
OUR SIX-STEP PROCESS
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your needs. In our experience working with clients, we have developed a step-by-step approach to service:
1. Introductory Call
We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we all agree to move forward, we’ll schedule our next meeting and request important financial information.
2. Get To Know You Meeting
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you’ve prepared and define your priorities.
3. Financial & Estate Plan Development
Here, we utilize proprietary financial and estate planning tools to develop a personalized and detailed plan with recommendations to help you grow, preserve and transfer your wealth.
4. Implementation
In this step, we present appropriate strategies that are designed to work together to achieve your goals. Upon your approval, we open new accounts for you at Morgan Stanley and initiate our investment recommendations. We’ll also begin to implement other strategies we’ve discussed. These often encompass tax minimization strategies, as well as risk management and estate planning techniques.
5. Plan Monitoring
Holistic plans change over time as your personal and family situations change. We are here to revisit your plan regularly to make tactical changes to help meet the needs of our ever-changing situations and environment.
6. Ongoing Service
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. As we begin to execute each strategy, we’ll set up tools so you have immediate access to your account information. And because markets and personal needs evolve over time, we set up ongoing meetings to help ensure your plan remains on schedule to achieve your goals.
Forbes' Best In-State Wealth Management Teams of 2024 & 2025
We are proud to share The Cardinal Point East Group has been named among Forbes's Best In-State Wealth Management Teams for 2024 & 2025.
Thank you to our valuable clients for your continuous support.
Source: Forbes (Awarded 2024, 2025) Data compiled by SHOOK Research LLC based on time period from 6/30/22-6/30/24.
Thank you to our valuable clients for your continuous support.
Source: Forbes (Awarded 2024, 2025) Data compiled by SHOOK Research LLC based on time period from 6/30/22-6/30/24.
Patty Collie named as one of Forbes Top Women Wealth Advisors Best-In-State in North Carolina 2024 & 2025
We are proud to share that our team member, Patty Collie, has been named by Forbes as one of the Top Women Wealth Advisors Best-In-State for North Carolina 2024 & 2025.
Source: Forbes.com (Awarded 2024, 2025) Data compiled by SHOOK Research LLC for the period 9/30/22 - 9/30/24.
Source: Forbes.com (Awarded 2024, 2025) Data compiled by SHOOK Research LLC for the period 9/30/22 - 9/30/24.
Certified Financial Planner® (CFP®) - David Price, Tiffany Barlow
CERTIFIED FINANCIAL PLANNER™ certification is the standard for financial planning. CFP® professionals meet rigorous education, training and ethical standards, and are committed to serving their clients' best interests today to prepare them for a more secure tomorrow.
Chartered Retirement Planning Counselor (CRPC®) - Nathan Smith
The Chartered Retirement Planning CounselorSM , or CRPC® program, is a designation program for financial professionals. This program enables experienced advisors, who are focused on retirement planning for individuals, define a “road map to retirement.” There is a focus on clients’ pre- and post-retirement needs, as well as issues related to asset management and estate planning.
Chartered Alternative Investment Analyst (CAIA) - Tiffany Barlow
Chartered Alternative Investment Analyst (CAIA) is a professional designation granted by the Chartered Alternative Investment Analyst Association to candidates who have completed Level I and Level II examinations. The alternative investments that a Chartered Alternative Investment Analyst is trained to assess include hedge funds, venture capital, private equity, funds of funds, derivatives, and real estate investments.
Portfolio Management Director - Patty Collie
This designation is given to a select group of Morgan Stanley financial advisors. It allows them to offer portfolio management services directly to their clients, rather than delegating that responsibility to third-party portfolio managers.
Senior Portfolio Manager - David Price
The Portfolio Manager title is available only to Financial Advisors who meet certain expectations, including several years of experience, a strong compliance record, suitable investment discipline and passing required exams. This title allows Financial Advisors to manage investment advisory accounts on a discretionary basis.
Family Wealth Advisor - Patty Collie
Family Wealth Advisors must demonstrate professional knowledge and experience in a range of specialties including estate planning, alternative investments, control and restricted securities, lending, hedging and monetization, and business succession planning. This designation also entitles our team to specialized access to a variety of family advisory services including, family governance and dynamics, philanthropy management and lifestyle advisory.
Lending Specialist (LS) - Patty Collie
Lending Specialists (LS) have enhanced knowledge on home loans and securities-based lending to better serve their clients. The Lending Specialist designation provides Advisors with additional training and added capabilities to enhance their expertise and effectiveness in delivering the full breadth of Morgan Stanley lending offerings to clients.
Digital Resources
Our goal is simple: “To be the firm where the most talented, trusted advisors in the industry leverage cutting-edge technology and deliver customized wealth management solutions to their clients and their families to enable them to achieve their life goals.” The Firm strives to ensure it serves clients on market-leading technology platforms that are resilient, safe, efficient, smart, fast and flexible.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your external account information, you will benefit from more informed and comprehensive wealth planning, and convenient connectivity.
Learn More
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll Today
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn More
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit our Security CenterMonthly Outlooks & Updates
We strive to simplify complex financial ideas into a digestible format so that our clients can truly understand the work which goes into planning for their financial future and livelihood. We are firm believers in providing our clients with as many resources as possible so that they may stay informed on the latest market trends, analyses, and outlooks. The resources below provide in-depth analysis on current market events and finance topics that are affecting the business world today.
Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
Morgan Stanley Portfolio Insights
Preparing for Your Estate Plan
You have worked long and hard to achieve
success and build wealth for you and your
family. There have been numerous challenges
along the way. You may be at a point now
where your greatest challenge is preserving
your wealth and building a plan for its
transition to those you choose in a way
you choose.
Read Heresuccess and build wealth for you and your
family. There have been numerous challenges
along the way. You may be at a point now
where your greatest challenge is preserving
your wealth and building a plan for its
transition to those you choose in a way
you choose.
Understanding Your Retirement Plan Options When You Leave a Job
You have several choices for what to do with your qualified retirement plan when you leave a job. Deciding among them is an important step in managing your retirement savings over time.
View Here
What's Your Relationship with Wealth? For Many, It's Complicated.
If they are going to be successful, family conversations about wealth often require us to engage in deep, introspective analysis to understand our own personal values and opinions, as well as what drives and motivates us.
View Here
Taking Control of Your Finances After Divorce or Death of a Spouse
Divorce or the death of a spouse can turn the best laid financial plans upside down. An income stream dries up; assets may be divided; in short, where life had a feeling of certainty, you may now be standing on shifting ground.
Read Here
Women & Wealth: Planning for Your Financial Future
Armed with education and a plan, women can feel more confident about their financial goals and how they’ll achieve them.
Read HereLocation
1111 Military Cutoff Rd
Wilmington, NC 28405
US
Direct:
(910) 509-1102(910) 509-1102
1990 Fordham Drive
Suite 200
Fayetteville, NC 28304
US
Direct:
(910) 481-8592(910) 481-8592
6340 Quadrangle Drive
Suite 300
Chapel Hill, NC 27517
US
Direct:
(910) 481-8573(910) 481-8573
Meet Cardinal Point East Group
Vice President, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Senior Portfolio Manager
Phone:
(910) 509-1143(910) 509-1143
Phone:
(910) 509-1141(910) 509-1141
Phone:
(910) 481-8575(910) 481-8575
Tiffany Barlow, CFP®, CAIA
First Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Branch Manager
Phone:
(910) 509-1133(910) 509-1133
Christina Taylor
Assistant Vice President, Director of Business Strategy
Phone:
(910) 481-8573(910) 481-8573
Craig Collie
Assistant Vice President, Wealth Management Associate
Phone:
(910) 481-8576(910) 481-8576
Aleasha Conroy
Registered Associate, Financial Planning Associate
Phone:
(910) 509-1102(910) 509-1102
Kelly Renegar
Senior Client Service Associate
Phone:
(910) 481-8592(910) 481-8592
About Patricia Collie
As your Financial Advisor, I seek to understand you and your family and what you want to achieve. We genuinely care about you as a person and will treat you and your family with the utmost respect. I will develop an action plan to assist you to move forward toward your goals. Together, we will monitor the progress, track the results, and make any necessary adjustments along the way.
As your Family Wealth Advisor, I use a “family office” style comprehensive approach to address all your needs. We make available a vast array of resources through a collaborative effort with Morgan Stanley specialists.
As your Portfolio Manager, I seek to preserve your capital and grow your wealth by using a total return approach with appropriate levels of diversification and custom asset allocation to help manage risk based on your goals.
Experience:
1983 - Present: Morgan Stanley*
1983 - Present: Financial Advisor
1987 – 2013: Branch Manager
* Including predecessor firms
Education:
•BA Degree, North Carolina State University
•Series 7, 63, 65 License; Insurance License; Commodities License
•Series 8 Supervisory License
•College of Financial Planning Certification Professional Education Program
•Portfolio Management Designation
•Family Wealth Advisor Designation
As your Family Wealth Advisor, I use a “family office” style comprehensive approach to address all your needs. We make available a vast array of resources through a collaborative effort with Morgan Stanley specialists.
As your Portfolio Manager, I seek to preserve your capital and grow your wealth by using a total return approach with appropriate levels of diversification and custom asset allocation to help manage risk based on your goals.
Experience:
1983 - Present: Morgan Stanley*
1983 - Present: Financial Advisor
1987 – 2013: Branch Manager
* Including predecessor firms
Education:
•BA Degree, North Carolina State University
•Series 7, 63, 65 License; Insurance License; Commodities License
•Series 8 Supervisory License
•College of Financial Planning Certification Professional Education Program
•Portfolio Management Designation
•Family Wealth Advisor Designation
Securities Agent: MD, SC, PA, VA, NH, MA, AZ, NY, NC, MN, DE, AL, WA, TX, NJ, IL, GA, FL, WI, OH, HI, DC, CO, CA, UT; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1316469
NMLS#: 1316469
About David Price
After graduating from the University of North Carolina - Wilmington with a BS in Accounting, I began my professional career with a local multi-million dollar corporation where I remained for over 20 years, holding the position of General Manager and Controller. My greatest satisfaction in business management came from developing strategies to attain specific objectives. I get the same satisfaction from assisting families accomplish their financial goals through a focus on comprehensive wealth planning, income solutions, principal preservation and legacy planning strategies. I have earned the CERTIFIED FINANCIAL PLANNER™ designation from the Certified Financial Planner Board of Standards, Inc. and have achieved the Morgan Stanley designation of Financial Planning Specialist.
My wife, Suzanne, and I both grew up in Wilmington. We have two married sons and our dogs are certainly a big part of our family.
I enjoy giving back by serving in our community especially supporting the local Salvation Army. In my spare time, I enjoy playing golf, boating, and spending time with my family.
My wife, Suzanne, and I both grew up in Wilmington. We have two married sons and our dogs are certainly a big part of our family.
I enjoy giving back by serving in our community especially supporting the local Salvation Army. In my spare time, I enjoy playing golf, boating, and spending time with my family.
Securities Agent: PR, NY, CO, SC, PA, DE, NH, NC, MN, IL, GA, CA, NJ, DC, AL, OH, MT, MD, HI, WA, MO, MA, WV, VA, TX, FL; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1375312
NMLS#: 1375312
About Louis A. Burney, Jr
Louis Burney is a First Vice President at Morgan Stanley in our Wilmington, NC branch. He is a Wilmington native and a graduate of UNC-Wilmington. He began his career at Smith Barney in 1993. Louis and his wife Stephanie have one son that is attending the University of Mississippi. Louis is involved in the community as a member Cape Fear Community College board of trustees and as a member of New Hanover County ABC Board. He has also served a member of the New Hanover County Museum Board, Airlie Gardens Foundation, and the USS North Carolina (SSN-777) commissioning committee. In his spare time, you, a likely to find him on the water or on his property in Pender County.
Securities Agent: CA, WA, TX, NH, CO, MA, AL, VA, SC, OH, NC, FL, DC, GA, PA, NV, MN, HI, DE, NY, MD, IL, CT, NJ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2129873
NMLS#: 2129873
About Nathan J Smith
Nathan Smith is a Senior Vice President at Morgan Stanley and the current branch manager of our Fayetteville NC branch. He grew up in Fayetteville NC. He and his wife, Nellie Jo live with their two children in Eastover North Carolina. Nathan began his career in the Trust Office at Bank of America and started at Morgan Stanley in 2007. He is a graduate of Campbell University with a degree in Trust Management and Financial Planning. In his spare time you will see him playing golf or coaching one of his children’s sports teams.
Experience:
Senior Vice President, Branch Manager, Financial Advisor - Morgan Stanley Wealth Management - 2007 - Present
Assistant Vice President, Trust Officer - First Citizens Bank - 2003-2007
Assistant Vice President, Trust Officer - Bank of America - 2000-2003
Education:
Campbell University - BBA, Trust Management & Financial Planning
Experience:
Senior Vice President, Branch Manager, Financial Advisor - Morgan Stanley Wealth Management - 2007 - Present
Assistant Vice President, Trust Officer - First Citizens Bank - 2003-2007
Assistant Vice President, Trust Officer - Bank of America - 2000-2003
Education:
Campbell University - BBA, Trust Management & Financial Planning
Securities Agent: NY, WI, TX, FL, IN, MO, RI, WA, VA, UT, TN, SD, SC, PR, OK, OH, NV, NM, NE, ND, NC, MT, MS, MN, MD, MA, IL, HI, GA, DE, DC, CT, CO, CA, AZ, AR, AL, AK, IA, ID, KS, KY, LA, ME, MI, NH, NJ, OR, PA, VI, VT, WV, WY; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1364393
NMLS#: 1364393
About Tiffany Barlow
Tiffany Barlow graduated from the University of North Carolina at Chapel Hill with a degree in Economics. Soon after graduation, Tiffany started her 22-year career in the financial services industry. She joined Morgan Stanley in 2006 and has gained useful experiences from working in many branch roles. As a Financial Advisor Tiffany applies her vast experience to assist clients achieve their goals. Every person has unique goals, and through discovery she partners with client to navigate the client thru the different life stages and planning is the cornerstone of this process. Tiffany holds Series 3, 7, 9, 10, 24, 66 and life and health insurance licenses, NMLS and CFP certifications.
As a native eastern North Carolinian, Tiffany currently lives in Wilmington, NC with her husband, Todd. She enjoys spending time with her family, watching her Tar Heels, and baking. Outside of the office Tiffany is involved with the Wilmington Rotary and is on the board of the Cape Fear Community College Foundation.
As a native eastern North Carolinian, Tiffany currently lives in Wilmington, NC with her husband, Todd. She enjoys spending time with her family, watching her Tar Heels, and baking. Outside of the office Tiffany is involved with the Wilmington Rotary and is on the board of the Cape Fear Community College Foundation.
Securities Agent: MS, IA, NC, NM, SD, WV, VA, SC, PA, NH, MT, MA, LA, AZ, WY, DE, CT, NJ, MO, AK, TN, PR, NE, ND, ME, VI, RI, OH, KY, ID, HI, CO, MI, NV, VT, WI, WA, OR, OK, KS, AL, UT, TX, NY, GA, CA, AR, DC, FL, IL, IN, MD, MN; BM/Supervisor; General Securities Principal; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 2489819
NMLS#: 2489819
About Christina Taylor
Christina Taylor is the Director of Business Strategy for Cardinal Point East Group. She focuses on the development, implementation, and management of the team’s overall business processes to build longstanding client relationships. Christina is a graduate from the University of Florida and moved to North Carolina in 2011. She began her career at Morgan Stanley in 2015 as a Client Service Associate in Raleigh and was most recently a Business Service Manager for the Chapel Hill, Fayetteville, and Asheville branches. Christina joined Cardinal Point East Group in 2022 and sits in the Chapel Hill branch. She holds her Series 7, 9, 10, and 66 licenses. Christina lives with her husband in Durham, NC and their two cats. When away from the office, you will usually find Christina hiking on trail, traveling through Europe, or curled up with a good book.
Securities Agent: NM, UT, HI, OK, PA, RI, WV, MD, MN, MA, GA, TX, WI, SD, AR, NJ, NY, OH, SC, PR, WA, VA, CO, NH, CT, FL, OR, AZ, IA, NV, ND, DC, IN, NE, NC, MS, MI, MO, ME, MT, LA, KY, IL, KS, AL, DE, CA, AK; BM/Supervisor; General Securities Representative; Investment Advisor Representative
About Aleasha Conroy
Aleasha Conroy is a Registered Associate for the Cardinal Point East Group. Aleasha grew up in a very small town in Ohio and lived in several different states including North Carolina, where she moved back to in 2016. Aleasha started working in the financial industry in 2015 and became licensed in 2018. She started with Morgan Stanley in 2022.
Outside of the office, Aleasha enjoys spending time with her spouse, Chris, and their two children, Adalynn & Bryson. They also have two 13 year old pups named Reba & Turbo. In her free time Aleasha enjoys traveling, being outdoors (preferably the beach), attending her son's baseball games, and her daughter's dance class/recitals.
Outside of the office, Aleasha enjoys spending time with her spouse, Chris, and their two children, Adalynn & Bryson. They also have two 13 year old pups named Reba & Turbo. In her free time Aleasha enjoys traveling, being outdoors (preferably the beach), attending her son's baseball games, and her daughter's dance class/recitals.
About Kelly Renegar
Kelly is a native of Fayetteville, NC and joined Morgan Stanley in 2008 after graduating from Campbell University with a degree in Mass Communications. As Senior Client Service Associate with over 15 years of experience, Kelly has a well-rounded skill set providing the team with operational support and account servicing.
Her interests include spending time with family, her husband Gray, 7-year-old son Whit and dog Hank. In her limited spare time she enjoys a good book and cooking.
Her interests include spending time with family, her husband Gray, 7-year-old son Whit and dog Hank. In her limited spare time she enjoys a good book and cooking.
Contact Patricia Collie
Contact David Price
Contact Louis A. Burney, Jr
Contact Nathan J Smith
Contact Tiffany Barlow
Wealth Management
Global Investment Office
Portfolio Insights
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
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
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
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
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 Cardinal Point East Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
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 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.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Morgan 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
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
11Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
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 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.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Morgan 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
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
11Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
