Patricia A Marsh, CFP®
Senior Vice President, Financial Advisor, Family Wealth Director, Insurance Planning Director, Portfolio Manager
Phone:
(312) 917-7539(312) 917-7539
Center Gen Wealth Management Group at Morgan Stanley
Chicago:
(312) 917-7511(312) 917-7511
Toll-Free:
(844) 424-3873(844) 424-3873
Our Mission Statement
With more than 130 years of experience counseling families through life’s changes, we deliver insight, wisdom and proactive planning while seeking to protect your financial future.
About Our Team
Center Gen Wealth Management Group at Morgan Stanley focuses on working with individual clients and their families at every stage of their financial life. Whether you are just starting your first job, getting ready to enjoy a well-earned retirement, needing guidance in the wealth transfer of your estate, or at any stage in between, Center Gen Wealth Management Group at Morgan Stanley is here to help you and your family.
Our clients are the center of everything we do, and we want you to know that you are surrounded by a group of multi-generational professionals that are here to help you, your family, and your friends, navigate your financial world through every life stage. The continuity we have formed through our team's intentional design means someone on our team will always know you.
Our team fosters a collaborative environment, which allows us to create an enhanced level of service to help you meet your financial objectives in this ever-changing environment. This also provides additional perspective, generational alignment, continuity, diversity, and capitalizes on the background and many talents possessed by the collective group.
Services Include
- 401(k) Rollovers
- AnnuitiesFootnote1
- Asset Management
- Financial PlanningFootnote2
- Fixed IncomeFootnote3
- Life InsuranceFootnote4
- Long Term Care InsuranceFootnote5
- Philanthropic Services
- Planning for Education FundingFootnote6
- Professional Portfolio ManagementFootnote7
- Retirement PlanningFootnote8
- Trust AccountsFootnote9
- Wealth ManagementFootnote10
- Cash Management and Lending ProductsFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Approach
Our Approach To Portfolio Management
As your portfolio has grown, so too has its complexity and the resources needed to manage it. As Financial Advisors, we have the knowledge, experience and commitment necessary to manage your investments on an ongoing, fully discretionary basis, providing you with objective advice on critical financial matters.
Working closely with you, we will develop an investment strategy focused clearly on your objectives - one that reflects your lifestyle expectations, cash flow needs, risk tolerance and aspirations for your family. From there, we will help you build a portfolio informed by the resources and insight available from Morgan Stanley, one of the world's largest financial firms.
When you look at wealth management from a long-term perspective, one thing becomes clear: It's your future, not just your money. And over time, we can help you navigate the noise and distractions of challenging markets, providing a disciplined sense of focus on what's most important - your progress towards your goals.
Working closely with you, we will develop an investment strategy focused clearly on your objectives - one that reflects your lifestyle expectations, cash flow needs, risk tolerance and aspirations for your family. From there, we will help you build a portfolio informed by the resources and insight available from Morgan Stanley, one of the world's largest financial firms.
When you look at wealth management from a long-term perspective, one thing becomes clear: It's your future, not just your money. And over time, we can help you navigate the noise and distractions of challenging markets, providing a disciplined sense of focus on what's most important - your progress towards your goals.
Wisdom That Is Anything But Conventional
The financial markets are dynamic and unpredictable. We work to counter that inherent uncertainty by taking a proactive, consultative approach rooted in a deep knowledge of your needs and dreams, your risk tolerance and your time horizon. Drawing on our own insight, as well as Morgan Stanley's global research, we are able to make informed recommendations and design a flexible investment management plan that is uniquely yours.
1. Establish goals, objectives and risk tolerance
2. Develop asset allocation strategy and investment strategy
3. Construct portfolio and execute investment strategy
4. Monitor progress and make necessary adjustments
1. Establish goals, objectives and risk tolerance
2. Develop asset allocation strategy and investment strategy
3. Construct portfolio and execute investment strategy
4. Monitor progress and make necessary adjustments
Our Financial Standards
Financial relationships are built on a foundation of trust, integrity and transparency. Whether we are managing your portfolio or assisting you in developing a wealth plan to guide you and your family, our concern is what best meets your objectives and expectations regardless of market conditions. Thus we developed defined Financial Standards.
Our Approach To Portfolio Management
We have the knowledge, experience and commitment necessary to manage your investments on an ongoing, fully discretionary basis, providing you with objective advice on critical financial matters. When you look at wealth management from a long-term perspective, one thing becomes clear: It's your future, not just your money.
Together, we will develop an investment strategy focused clearly on your objectives - one that reflects your lifestyle expectations, cash flow needs, risk tolerance and aspirations for your family.
Together, we will develop an investment strategy focused clearly on your objectives - one that reflects your lifestyle expectations, cash flow needs, risk tolerance and aspirations for your family.
Wisdom That Is Anything But Conventional
The financial markets are dynamic and unpredictable. We work to counter that inherent uncertainty by taking a proactive, consultative approach rooted in a deep knowledge of your needs and dreams, your risk tolerance and your time horizon.
1. Establish goals, objectives and risk tolerance
2. Develop asset allocation strategy and investment strategy
3. Construct portfolio and execute investment strategy
4. Monitor progress and make necessary adjustments
1. Establish goals, objectives and risk tolerance
2. Develop asset allocation strategy and investment strategy
3. Construct portfolio and execute investment strategy
4. Monitor progress and make necessary adjustments
A Steadfast Commitment
Fulfilling our commitment requires that we focus on the factors influencing your well-being, now and in the future: family considerations, lifestyle and spending needs, charitable aspirations, legacy goals - every dimension of life that intersects with your finances.
Our Financial Standards
Our Financial Standards are the foundation for a consistent, disciplined investment process. When we design portfolios, our advice is driven by your personal and unique financial objectives. We recognize that as people enter different stages of life, their concerns and financial needs change. We understand these life cycles and the impact to your financial life.
Earning Your Confidence
Our experienced group of advisors provides you with objective advice that starts with a thorough understanding of your needs. Our extensive knowledge of financial markets and customized financial planning provides a perspective based on a team approach. We expect this discipline and commitment to you will serve as a source of reassurance and comfort in today’s economic environment as well as in the years to come.
Integrating Your Wealth And Your Life
We recognize that you have the freedom to set and pursue new goals, explore new passions and shape your legacy. The talented professionals on our team combine intellectual capital, financial acumen, and extensive resources to create customized solutions and deliver personal service. As your financial stewards, we help you make the most of the unique opportunities you create for yourself, your family, your business and your legacy.
Our Team's Awards & Recognitions
Forbes Best-In-State Wealth Management Teams
Our Team
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes Best-In-State Wealth Women Advisors
Patti Marsh & Michelle Hughes
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisor
Patti Marsh
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Working Mother & SHOOK Research's Top Wealth Advisor Moms
Michelle Hughes
Source: Workingmother.com (Awarded Oct 2020). Data compiled by SHOOK Research LLC based on time period from 3/31/19 - 3/31/20.
Five Star Chicago Wealth Manager Award Winner
Michelle Hughes
Source: fivestarprofessional.com (Awarded 2018-2023; 2015-2016) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2015 Award - 02/4/2015 - 08/3/2015
2016 Award - 02/26/2016 - 08/19/2016
2018 Award - 01/12/2018 - 08/17/2018
2019 Award - 01/7/2019 - 08/9/2019
2020 Award - 01/6/2020 - 08/7/2020
2021 Award - 12/28/2020 - 08/6/2021
2022 Award - 01/24/2022 - 07/29/2022
2023 Award - 01/09/2023 - 07/31/2023
Instructions & Guides
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients, with informational videos or instructional guides attached below.
Location
227 West Monroe St
Suite 3400
Chicago, IL 60606
US
Direct:
(312) 917-7511(312) 917-7511
Toll-Free:
(844) 424-3873(844) 424-3873
Meet Center Gen Wealth Management Group
Michelle C Hughes, CRPC®
Senior Vice President, Financial Advisor, Portfolio Manager, Family Wealth Advisor, Financial Planning Specialist, Insurance Planning Director
Phone:
(312) 917-7537(312) 917-7537
Phone:
(312) 648-1356(312) 648-1356
Phone:
(708) 226-5479(708) 226-5479
Mary Anderson
Senior Registered Client Service Associate
Phone:
(312) 917-7534(312) 917-7534
Paula Romo
Client Service Associate
Phone:
(312) 648-3565(312) 648-3565
About Patricia A Marsh
In the many years that Patricia has worked in the financial industry, she has always put her clients’ needs first. She takes the time to understand their financial objectives, evaluate their situation, and provide them with appropriate investment recommendations. She places special emphasis on quality ideas within the context of a comprehensive financial plan. Her ultimate goal is to build successful portfolios with the trust and confidence of her clients.
Patti has helped clients with a wide range of financial needs, including retirement planning, fixed income asset portfolios, insurance and lending. Professionally she has earned the designation of CERTIFIED FINANCIAL PLANNER™. Those awarded this certification have completed extensive training and experience requirements and are held to rigorous ethical standards. Her comprehensive background in planning gives her a unique understanding of the complexity facing the clients and families that her group serves. As a CFP® and Family Wealth Director, Patti combines her years of experience with the full depth of the global financial powerhouse of Morgan Stanley to enhance and protect the wealth of Ultra High Net Worth families and individuals. Taking pride in being proactive and innovative, Patti uses alternative investments, insurance planning, and tailored lending to deliver a dynamic wealth planning framework that adapts to the changing needs of our clients and their families through time. Patti continually strives to combine exemplary customer service with sound investment advice. This dynamic combination of experience and education results in long lasting relationships with her clientele.
Patti has BS degree in Finance from the University of Illinois at Chicago. She enjoys spending time with her husband and two children. The family is usually found hiking, camping and enjoying outdoor adventures in their spare time.
Patti has helped clients with a wide range of financial needs, including retirement planning, fixed income asset portfolios, insurance and lending. Professionally she has earned the designation of CERTIFIED FINANCIAL PLANNER™. Those awarded this certification have completed extensive training and experience requirements and are held to rigorous ethical standards. Her comprehensive background in planning gives her a unique understanding of the complexity facing the clients and families that her group serves. As a CFP® and Family Wealth Director, Patti combines her years of experience with the full depth of the global financial powerhouse of Morgan Stanley to enhance and protect the wealth of Ultra High Net Worth families and individuals. Taking pride in being proactive and innovative, Patti uses alternative investments, insurance planning, and tailored lending to deliver a dynamic wealth planning framework that adapts to the changing needs of our clients and their families through time. Patti continually strives to combine exemplary customer service with sound investment advice. This dynamic combination of experience and education results in long lasting relationships with her clientele.
Patti has BS degree in Finance from the University of Illinois at Chicago. She enjoys spending time with her husband and two children. The family is usually found hiking, camping and enjoying outdoor adventures in their spare time.
Securities Agent: MO, TX, SD, AL, MT, VA, MD, IN, ID, FL, CA, AZ, TN, LA, KS, IA, WY, AR, WI, NE, HI, DC, WA, NV, NJ, MN, KY, CO, SC, NY, NM, RI, MA, IL, DE, PA, OH, NC, OR, MI, GA, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1253174
CA Insurance License #: 0K54706
NMLS#: 1253174
CA Insurance License #: 0K54706
About Michelle C Hughes
Michelle is a Financial Advisor with the Center Gen Wealth Management Group at Morgan Stanley with over 23 years of experience in the financial services industry. Prior to joining the team in 2004, her previous work experience at Fidelity Investments and Draper and Kramer Mortgage Corp provided her a thorough understanding of both assets and liabilities. Her depth of knowledge enables her to anticipate, plan and implement some of her group’s most complex client objectives that include a client’s assets, as well as their lending and insurance needs. Her disciplined approach allows her to remain proactive with their clients, ensuring a superior level of client care.
Professionally, Michelle has earned the designation of a CHARTERED RETIREMENT PLANNING COUNSELORSM. Those obtaining the CRPC® designation are experienced advisors, with a financial planning designation specializing in personal retirement planning. While addressing pre and post retirement concerns, Michelle goes beyond the numbers to offer clients guidance on the emotional and lifestyle transition that retirement can bring. Along with anticipating, planning and executing strategies that encompass all points of a person’s financial life, Michelle is able to deliver comprehensive retirement planning that is intentional and insightful, bridging the gaps between Social Security, Medicare, employer retirement plans, lending and insurance solutions, to craft a custom solution for each individual, no matter their goals and needs. As a Financial Planning Specialist, Michelle has completed extensive training and experience requirements at Morgan Stanley and is held to rigorous ethical standards. Michelle has also earned Morgan Stanley’s Family Wealth Advisor designation after completing an accreditation program focused on the skills needed to deliver comprehensive, family-centric wealth management. Working closely with families allows her to understand family circumstances beyond finances. Michelle guides families toward individual and collective goals while delivering a standard of care that takes into account a family’s best interest and full financial picture across multiple generations.
Michelle has earned recognition as an advisor from multiple publications over her career:
2020 Top Wealth Advisor Moms - Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Five Star Chicago Wealth Manager Award Winner: 2015-2016, 2018-2023
Michelle holds a BS degree in Finance from Northern Illinois University. She and her husband spend most of their free time actively engaged with their children’s many school and sporting events. As a family, they love traveling and spending time outdoors.
2020 Top Wealth Advisor Moms - Working Mother Magazine - Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded Oct 2020) Data compiled by SHOOK Research LLC based on time period from 3/31/19 - 3/31/20.
Five Star Chicago Wealth Manager Award Winner: 2015, 2016, 2018, 2019, 2020, 2021 - 2015, 2016, 2018, 2019, 2020, 2021 Five Star Wealth Manager Award Source: fivestarprofessional.com (2015, 2016, 2018, 2019, 2020, 2021) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Professionally, Michelle has earned the designation of a CHARTERED RETIREMENT PLANNING COUNSELORSM. Those obtaining the CRPC® designation are experienced advisors, with a financial planning designation specializing in personal retirement planning. While addressing pre and post retirement concerns, Michelle goes beyond the numbers to offer clients guidance on the emotional and lifestyle transition that retirement can bring. Along with anticipating, planning and executing strategies that encompass all points of a person’s financial life, Michelle is able to deliver comprehensive retirement planning that is intentional and insightful, bridging the gaps between Social Security, Medicare, employer retirement plans, lending and insurance solutions, to craft a custom solution for each individual, no matter their goals and needs. As a Financial Planning Specialist, Michelle has completed extensive training and experience requirements at Morgan Stanley and is held to rigorous ethical standards. Michelle has also earned Morgan Stanley’s Family Wealth Advisor designation after completing an accreditation program focused on the skills needed to deliver comprehensive, family-centric wealth management. Working closely with families allows her to understand family circumstances beyond finances. Michelle guides families toward individual and collective goals while delivering a standard of care that takes into account a family’s best interest and full financial picture across multiple generations.
Michelle has earned recognition as an advisor from multiple publications over her career:
2020 Top Wealth Advisor Moms - Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Five Star Chicago Wealth Manager Award Winner: 2015-2016, 2018-2023
Michelle holds a BS degree in Finance from Northern Illinois University. She and her husband spend most of their free time actively engaged with their children’s many school and sporting events. As a family, they love traveling and spending time outdoors.
2020 Top Wealth Advisor Moms - Working Mother Magazine - Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded Oct 2020) Data compiled by SHOOK Research LLC based on time period from 3/31/19 - 3/31/20.
Five Star Chicago Wealth Manager Award Winner: 2015, 2016, 2018, 2019, 2020, 2021 - 2015, 2016, 2018, 2019, 2020, 2021 Five Star Wealth Manager Award Source: fivestarprofessional.com (2015, 2016, 2018, 2019, 2020, 2021) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Securities Agent: VA, OH, DC, AL, MT, SD, NV, IL, FL, DE, CT, TX, SC, MA, LA, RI, NE, NC, MD, KY, KS, CA, TN, OR, NM, NJ, ID, GA, PA, CO, WY, IN, WI, WA, MO, MN, IA, NY, MI, AZ, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 1270050
CA Insurance License #: 0K71351
NMLS#: 1270050
CA Insurance License #: 0K71351
About Me
Securities Agent: WA, VT, VI, VA, UT, TX, TN, SD, SC, RI, PR, PA, OR, OK, OH, NY, NV, NM, NJ, NH, NE, ND, NC, MT, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, AK, WY, MS, WV, WI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2460917
NMLS#: 2460917
About Me
As a financial advisor at Morgan Stanley, I leverage my years of experience in the financial services industry to provide customized and comprehensive solutions for my clients' financial needs. I work with individuals, families, and businesses across various sectors and regions, offering them personalized advice and guidance on financing, investment planning, wealth management, and retirement planning.
My mission is to build long-lasting relationships with my clients by understanding their unique situations and objectives, and helping them navigate the complex and dynamic financial landscapes. I use the latest financial software and tools to analyze their portfolios, identify opportunities and risks, and create tailored strategies that align with their values and aspirations. I also collaborate with my team here at Morgan Stanley, who support me in delivering exceptional service and value to my clients.
I reside in the south suburb of Peotone, with my loving husband and two energetic sons. I'm deeply rooted in our vibrant community, and I dedicate time to various Peotone organizations and foundations, driven by my passion to give back and foster community growth.
Outside of my community involvement, my heart finds solace in the tranquil waters of the North Woods of Wisconsin. Fishing and boating there provide moments of serenity and peace which help replenish my spirit and invigorate my zest for life.
My mission is to build long-lasting relationships with my clients by understanding their unique situations and objectives, and helping them navigate the complex and dynamic financial landscapes. I use the latest financial software and tools to analyze their portfolios, identify opportunities and risks, and create tailored strategies that align with their values and aspirations. I also collaborate with my team here at Morgan Stanley, who support me in delivering exceptional service and value to my clients.
I reside in the south suburb of Peotone, with my loving husband and two energetic sons. I'm deeply rooted in our vibrant community, and I dedicate time to various Peotone organizations and foundations, driven by my passion to give back and foster community growth.
Outside of my community involvement, my heart finds solace in the tranquil waters of the North Woods of Wisconsin. Fishing and boating there provide moments of serenity and peace which help replenish my spirit and invigorate my zest for life.
Securities Agent: FL, MD, LA, VA, RI, NY, IL, AR, TX, PA, CA, NV, NM, IA, CO, SD, NC, OR, IN, ID, DE, CT, MO, WY, SC, OH, MT, MN, MI, DC, AZ, WI, NE, GA, AL, WA, TN, NJ, MA, KY, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 438780
NMLS#: 438780
About Mary Anderson
Mary started in the industry in 1991 with the Center Gen Wealth Management Group and has been with Morgan Stanley since 2008. She holds the Series 7, Series 66, and Series 63 Licenses.
She has been married for 29 years, and has two sons and a daughter. She and her family enjoy spending time together playing games, swimming in their pool and entertaining friends.
Mary volunteers in her church community when opportunities are present, and she also enjoys participating in various benefits for the Garden Center for persons with developmental disabilities.
She has been married for 29 years, and has two sons and a daughter. She and her family enjoy spending time together playing games, swimming in their pool and entertaining friends.
Mary volunteers in her church community when opportunities are present, and she also enjoys participating in various benefits for the Garden Center for persons with developmental disabilities.
Contact Patricia A Marsh
Contact Michelle C Hughes
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Contact Christine Wirtschoreck
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
Rosanne Peel
Private Banker
Andrew Ghimpeteanu
Planning Associate
About Rosanne Peel
Rosanne Peel is a Private Banker serving Morgan Stanley Wealth Management offices in Chicago.
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.
Rosanne began her financial services career in 1987 and joined Morgan Stanley in 2022. Prior to that, she was a Senior Private Banker at BMO Family Office. She also served as a Marketing Manager in the Business Development Group at TD Securities, a Private Banking Relationship Manager at Toronto Dominion Bank and a Private Banking Relationship Manager at Marine Midland Bank/HSBC.
Rosanne is a graduate of University of Delaware, where she received a Bachelor of Science in Business Administration. She and her family currently reside in Winnetka, IL.
From 2014 to 2019, Rosanne dedicated her time to The Auxiliary of the Woman’s Board of the Rush University Medical Center as a Member before transitioning to an Associate Member in 2019. Outside of the office, Rosanne enjoys staying active outdoors by hiking and scuba-diving. She also enjoys playing tennis, traveling and cooking.
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.
Rosanne began her financial services career in 1987 and joined Morgan Stanley in 2022. Prior to that, she was a Senior Private Banker at BMO Family Office. She also served as a Marketing Manager in the Business Development Group at TD Securities, a Private Banking Relationship Manager at Toronto Dominion Bank and a Private Banking Relationship Manager at Marine Midland Bank/HSBC.
Rosanne is a graduate of University of Delaware, where she received a Bachelor of Science in Business Administration. She and her family currently reside in Winnetka, IL.
From 2014 to 2019, Rosanne dedicated her time to The Auxiliary of the Woman’s Board of the Rush University Medical Center as a Member before transitioning to an Associate Member in 2019. Outside of the office, Rosanne enjoys staying active outdoors by hiking and scuba-diving. She also enjoys playing tennis, traveling and cooking.
NMLS#: 800017
About Andrew Ghimpeteanu
Andrew Ghimpeteanu is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Andrew provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Bentley University and received the Financial Planning Specialist® designation from the College for Financial Planning. Andrew is originally from Atlanta, GA and currently resides in Alpharetta, GA.
He earned his undergraduate degree from Bentley University and received the Financial Planning Specialist® designation from the College for Financial Planning. Andrew is originally from Atlanta, GA and currently resides in Alpharetta, GA.
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
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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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
Donor Advised Funds: A Smart Way to Manage Your Giving
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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.
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
Ready to start a conversation? Contact Center Gen Wealth Management 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.
1Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
2Morgan 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.
3Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Morgan 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.
8When 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.
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.
10Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
11Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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
1Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
2Morgan 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.
3Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Morgan 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.
8When 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.
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.
10Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
11Morgan 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
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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)
