Nikki Ranck
Private Banker
Carina Flores, QPFC
Financial Advisor,
Financial Planning Specialist
Direct:
(480) 922-7977(480) 922-7977
My Mission Statement
Whether you’re running a company, managing a household, or preparing for a change, my role is to bring clarity, guidance, and execution to that process. I believe in fostering a relationship with each client that allows me to build the optimal strategy, not just for where you are now, but for where you are going.
My Story and Services
Carina Flores joined Morgan Stanley in 2019 and dedicates her time building long-term trusted relationships with clients and their families with the objective of providing them with peace of mind around the complexities of financial planning and investing. Before becoming an Investment Advisor, Carina was a relationship manager to the executive leadership of Fortune 500 companies with a global law firm. She then served as an advisor to her family’s small business while attending business school, implementing growth strategies to prepare for its acquisition. This experience prepared her to work with entrepreneurs to help them navigate the various financial decisions that come with running and exiting a successful business.
Carina was named to Morgan Stanley's Pacetter's Club for 2024, a group of the Firm's successful Financial Advisors who demonstrate the highest professional standards, first class client service, and set the standard of growth for early-stage Financial Advisors.
Carina holds a Bachelor of Arts in Political Science from the University of Arizona and a Master of Global Management from Thunderbird School of Global Management. She is a member of ACG Arizona Young Dealmakers to keep a pulse on the local economy and on the middle market landscape. In her free time, she enjoys hiking in Arizona's diverse terrain and practicing yoga.
Carina was named to Morgan Stanley's Pacetter's Club for 2024, a group of the Firm's successful Financial Advisors who demonstrate the highest professional standards, first class client service, and set the standard of growth for early-stage Financial Advisors.
Carina holds a Bachelor of Arts in Political Science from the University of Arizona and a Master of Global Management from Thunderbird School of Global Management. She is a member of ACG Arizona Young Dealmakers to keep a pulse on the local economy and on the middle market landscape. In her free time, she enjoys hiking in Arizona's diverse terrain and practicing yoga.
Services Include
- Financial PlanningFootnote1
- Asset Management
- Business PlanningFootnote2
- 401(k) Rollovers
- Stock Option PlansFootnote3
- Trust AccountsFootnote4
- Estate Planning StrategiesFootnote5
- Business Succession PlanningFootnote6
- Corporate Retirement PlansFootnote7
- Corporate Investment SolutionsFootnote8
- Cash Management and Lending ProductsFootnote9
- Alternative InvestmentsFootnote10
Securities Agent: AR, TN, NY, MA, DE, UT, IA, NV, TX, IL, OH, FL, CO, OR, WI, MI, GA, CA, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 2292946
CA Insurance License #: 4302538
NMLS#: 2292946
CA Insurance License #: 4302538
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Your Story, My Guidance
I work with purpose-driven entrepreneurs, established business owners, retirees, and families who want to take control of their financial lives, optimize their business and personal decisions, and prepare for what’s next. I help bring a structured approach to tackling the next challenge on your horizon including: scaling, transitioning, or simply living with more financial confidence.
My approach to wealth management is goals-based planning and rules-based investing. With proper asset allocation and risk mitigation, together we focus on long-term returns along with your personalized strategy using the firm's premier perspectives, insights and vast resources.
My approach to wealth management is goals-based planning and rules-based investing. With proper asset allocation and risk mitigation, together we focus on long-term returns along with your personalized strategy using the firm's premier perspectives, insights and vast resources.
Women
In today's dynamic world, women are increasingly taking charge of their financial destinies. Whether you're advancing in your career, managing the complexities of a household, steering a business towards success, or thoughtfully planning your legacy, I am dedicated to supporting women in achieving financial independence and security. My mission is to empower you to take control of your financial future with clarity and confidence.
I understand that each woman's financial journey is unique, and I am committed to providing personalized guidance tailored to your specific needs and goals. My approach is built on a foundation of education, empowerment, and long-term relationships.
I understand that each woman's financial journey is unique, and I am committed to providing personalized guidance tailored to your specific needs and goals. My approach is built on a foundation of education, empowerment, and long-term relationships.
Rising Professionals and Wealth Builders
Whether you're building wealth through equity compensation, ESOP participation, or rising income as a
medical or corporate professional, I provide guidance to help you turn your earning power into lasting
financial security. I work with individuals navigating key moments in their financial lives such as career
growth, student loan repayment, liquidity events, and long-term planning.
My goal is to bring clarity to areas that often feel overwhelming, including today’s complex student loan
landscape. From choosing the right repayment plan to preparing for potential tax consequences tied to
forgiveness, I help clients move forward with confidence.
medical or corporate professional, I provide guidance to help you turn your earning power into lasting
financial security. I work with individuals navigating key moments in their financial lives such as career
growth, student loan repayment, liquidity events, and long-term planning.
My goal is to bring clarity to areas that often feel overwhelming, including today’s complex student loan
landscape. From choosing the right repayment plan to preparing for potential tax consequences tied to
forgiveness, I help clients move forward with confidence.
Business Owners and Entrepreneurs
I work closely with business owners to align personal financial goals with the day-to-day realities of running and growing a business. Whether you’re focused on maximizing retirement, contributions through 401(k) or cash balance plans, improving business, efficiency, or preparing a future transition or exit, I bring both strategic financial guidance and practical insight.
Having supported owners through growth, succession, and successful exits—including within my own family—I understand how personal and complex these decisions can be. My goal is to simplify what’s often overwhelming and to help you translate years of work into long-term financial freedom for yourself, your family, and your team.
Having supported owners through growth, succession, and successful exits—including within my own family—I understand how personal and complex these decisions can be. My goal is to simplify what’s often overwhelming and to help you translate years of work into long-term financial freedom for yourself, your family, and your team.
Select Institutions
I serve nonprofit organizations, foundations, and endowments, bringing the depth of Morgan Stanley’s
institutional platform directly to your mission.
Through our Outsourced Chief Investment Office (OCIO), I provide access to a dedicated team of investment professionals who support governance, portfolio construction, risk oversight, and ongoing
reporting. Together, we act as an extension of your team, helping you fulfill fiduciary responsibilities
while keeping your capital aligned with your organization’s long-term goals.
You’ll experience a high-touch advisory relationship supported by the scale, structure, and institutional
rigor of a world-class investment office.
institutional platform directly to your mission.
Through our Outsourced Chief Investment Office (OCIO), I provide access to a dedicated team of investment professionals who support governance, portfolio construction, risk oversight, and ongoing
reporting. Together, we act as an extension of your team, helping you fulfill fiduciary responsibilities
while keeping your capital aligned with your organization’s long-term goals.
You’ll experience a high-touch advisory relationship supported by the scale, structure, and institutional
rigor of a world-class investment office.
Multigenerational Families
Families with layered financial needs such as education funding, caregiving, and legacy planning
benefit from a holistic approach. I work across generations to align values, simplify wealth transfer, and help families grow together.
benefit from a holistic approach. I work across generations to align values, simplify wealth transfer, and help families grow together.
Your Life, Your Plan
Planning is not a one-time event.
Life, markets, and priorities evolve. Financial decisions rarely happen in isolation. My planning process is designed to provide structure, clarity, and guidance as circumstances change, not just at a single point in time.
Financial planning is the foundation of how I work.
1. Discover: Getting to Know You
I begin by understanding what matters most to you. This includes your goals, values, family dynamics, career path, business interests, and responsibilities, not just your balance sheet.
Outcome: Clarity around your priorities and what success truly looks like for you.
2. Design: Building Your Strategy
Using the information gathered, I design a strategy aligned with your timeline, risk tolerance, tax considerations, and liquidity needs. Investments are a tool, not the plan itself.
Outcome: A strategy designed to support your broader financial life.
3. Implement: Your Personalized Portfolio
I put the plan into action through thoughtful execution across accounts, investment vehicles, and structures. Where appropriate, I coordinate with tax, estate, and business professionals to support efficient implementation.
Outcome: A strategy implemented intentionally and efficiently.
4. Refine: Tax-Aware and Estate Planning
As your plan is implemented, I focus on tax-aware decision-making and estate planning considerations. This includes reviewing how assets are positioned across account types and evaluating estate strategies to support long-term efficiency and legacy goals.
Outcome: A plan designed to support tax awareness, flexibility, and thoughtful wealth transfer.
5. Evolve: Ongoing Plan Assessment
Planning is ongoing. I continuously assess progress, update assumptions, and adjust strategies as your life, markets, and priorities change.
Outcome: A living plan that evolves alongside your life.
Planning-Only (Fee-Based) Advice
I offer financial planning through a transparent, fee-based approach focused on clarity, coordination, and long-term decision-making.
Planning is independent of investment implementation and designed to evolve as circumstances change. Some clients engage me solely for financial planning, while others choose to implement strategies through ongoing advisory services.
Engagements are structured in advance based on scope and complexity, so expectations are clear from the outset.
Location
14850 N Scottsdale Rd
Suite 600
Scottsdale, AZ 85254
US
Direct:
(480) 922-7977(480) 922-7977
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
About Nikki Ranck
Nikki Ranck is a Private Banker serving Morgan Stanley Wealth Management offices in Arizona and New Mexico.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Nikki began her career in financial services in 2006 and joined Morgan Stanley in 2022 as a Private Banker. Prior to joining the firm, she was a Senior Client Service Associate at JP Morgan’s Private Bank. She also served as a Mortgage Banker and Branch Manager at JP Morgan Chase, and a Service Manager and Personal Banker at Wells Fargo Bank, N.A.
Nikki lives in Scottsdale, Arizona with her family. Outside of the office, she enjoys traveling and spending time with her family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Nikki began her career in financial services in 2006 and joined Morgan Stanley in 2022 as a Private Banker. Prior to joining the firm, she was a Senior Client Service Associate at JP Morgan’s Private Bank. She also served as a Mortgage Banker and Branch Manager at JP Morgan Chase, and a Service Manager and Personal Banker at Wells Fargo Bank, N.A.
Nikki lives in Scottsdale, Arizona with her family. Outside of the office, she enjoys traveling and spending time with her family.
NMLS#: 1075581
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Wealth Management
Global Investment Office
Portfolio Insights
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
Rational Investing in an Age of Uncertainty
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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
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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
Ready to start a conversation? Contact Carina Flores today.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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.
3Morgan 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.
4Morgan 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.
5Morgan 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.
6Morgan 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.
7When 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.
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 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
10Alternative 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 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.
2Morgan 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.
3Morgan 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.
4Morgan 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.
5Morgan 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.
6Morgan 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.
7When 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.
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 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
10Alternative 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 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)
