Beau Branley
Registered Client Service Associate
Phone:
(206) 628-8867(206) 628-8867
Chad Reibman, CFP®
Managing Director, Wealth Management,
Financial Advisor
Direct:
(206) 628-4448(206) 628-4448
My Mission Statement
Dedicated, client-focused, and trusted financial service to help you grow and preserve your wealth
About us
Chad Reibman loves what he does, and it was love at first sight.
He started over 30 years ago at Smith Barney/Shearson Lehman, in their internship program while studying finance at USC. Over the years he has grown a comprehensive wealth management practice that spans the country and the wide range of his client's needs.
He is a licensed CERTIFIED FINANCIAL PLANNER, holds Series 7 Series 63 licenses, is a Morgan Stanley designated Managing Director for Wealth Management, Senior Portfolio Management Director, and a Lending Specialist. Chad was named Forbes' Best-In-State 2020, 2021, 2022, 2023 and 2024.
His team is equally passionate and skilled:
- Beau Branley has a finance degree and experience in banking. He has obtained his series 7 and 63 license while supporting clients through exceptional service.
You've worked hard to create your wealth, Chad Reibman's team works hard to grow and preserve it. Let us free you up to pursue your interests, causes you're passionate about and spend time with the people you love.
"2020-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2020-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award."
Services Include
- Wealth ManagementFootnote1
- Wealth PlanningFootnote2
- Retirement PlanningFootnote3
- Professional Portfolio ManagementFootnote4
- Planning for Education FundingFootnote5
- 401(k) Rollovers
- Cash Management and Lending ProductsFootnote6
- Alternative InvestmentsFootnote7
- Asset Management
- Certificates of DepositFootnote8
- Executive Financial ServicesFootnote9
- Municipal BondsFootnote10
- Philanthropic ManagementFootnote11
- Planning for Individuals with Special Needs and their Families
Securities Agent: MT, MA, FL, AZ, TX, NY, GA, NJ, NH, CO, CA, UT, PA, NM, VA, LA, HI, OR, WA, NV, MD, AK, NC, MI, ID; General Securities Representative; Investment Advisor Representative
NMLS#: 530326
NMLS#: 530326
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Why Choose Us
What makes this team stand out is they will be there, continuing to listen and advise, through all the ups and downs. They pick up the phone. Together with you, they develop a plan with an eye for detail including everything from equity compensation, tax considerations and even strategic use of lending solutions. They use their combined 50+ years' experience to help steady the ship so that you can weather any storm and enjoy the ride.
Awards and Recognition:
Chad was named Forbes' Best-In-State 2020, 2021, 2022, 2023 and 2024 for the State of California.
2020-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2020-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
- Up to $1MM Identity Theft Insurance
- Access to dedicated Fraud Resolution Specialists
- Self-service Lock/Unlock of your Experian report
- Social Security Number Trace
- ChildSecure® monitoring for up to 10 children under 18
Morgan Stanley Online
With Morgan Stanley Online, you can have your investments and everyday finances always just a few clicks away. The platform is available online and on the Morgan Stanley Mobile App.
Online Security Center
Safeguarding your assets and personal information is among our highest priorities. Learn about our extensive security measures and use our resources and ideas to help protect yourself online.
CashPlus
The Morgan Stanley CashPlus Brokerage Account offers flexibility to simplify your finances with direct deposits, a debit card, easy bill payments, mobile check deposits, and seamless money transfers via Zelle®, wires and transfers.
Experian Credit & Identity Protection
Morgan Stanley has partnered with Experian® to offer an exclusive identity and credit protection suite of solutions accessible and complimentary with a Morgan Stanley CashPlus Brokerage Account.
Enjoy seamless access to modern cash management tools alongside premium security offerings, including:
Equity compensation & Stock options
Your stock plans can be a powerful resource for building your wealth and future. But like all resources, extracting the most benefits takes planning. With 50+ combined years of experience working with executives in tech, high-growth companies, and other professionals, we provide tailored consulting services to help you optimize your equity for long-term wealth.
- Understand the details of your equity package, e.g., stock options, RSUs, vesting schedules, tax issues
- Manage risk, such as overconcentration of a single stock
- Work with the emotional decisions along the way
- Integrate equity benefits into a personalized goal-based plans most suitable for you
- Stock Option Planning: Understand your options and articulate a plan that will maximize this valuable asset and exercise them strategically.
- Concentrated Stock Diversification: Manage the risks of concentrated positions with personalized diversification strategies and mitigate market risk.
- Employee Stock Purchase Plans (ESPP): Provide guidance and insights from tax planning, risk management, to leveraging positions that optimize your gains.
- Tax-Efficient Strategies: Understand AMT, capital gains, and other key considerations to maximize your tax liability.
- Trusted Partner: Equity plans can feel overwhelming. With a focus on transparency and trust, our team is here to empower you to make decisions with confidence every step of the way.
- Tailored for You: Every equity plan is different. We listen to your unique needs and customize strategy that best suit your situation.
- Future-focused: It's more than just your equity. We ensure our strategies align with your broader life and financial goals.
How To Make The Most of Your Stock Plan
Your stock plan is an important benefit. Here's how I can help you make the most of it:
Understanding Your Equity Award Plan
Equity awards are a recognition of your hard work. Let's help put them to good use.
Leveraging an innovative analysis platform, my team provides strategy and perspective to help your leaders maximize the impact of their equity.
How I Can Help You
Why Work With Us
Outlooks & Updates
We strive to provide our clients with as many resources as possible so that they stay informed on the latest market trends, analyses, and outlooks. Check back regularly to learn more about the topics that impact your overall wealth.
Stock Market Outlook 2025
After two strong years for stocks, more muted gains are likely in 2025, with opportunities in U.S. stocks, growth and value. Click the link to read more.
Stock Market Outlook
On the Markets
On the Markets is a monthly collection of timely research and strategy across Morgan Stanley. Check out this month's edition on policy risk, stick inflation, and international rotation weigh on US equities.
On the Markets
How to Plan Instead of Panic
How do you weather a market crash? A study of nearly 120,000 investors reveals the value of having a sound financial plan to help keep you on track.
How to Plan Instead of Panic
Protecting Retirement Savings During Volatility
Concerned about market losses impacting your retirement plan? Learn about five strategies that may help protect your savings.
Protecting Retirement Savings
5 Common Myths about Retirement Planning
Even if you’re decades away from retirement, there’s no time like the present to start planning. Discover five common misconceptions to avoid and how to build healthy wealth habits today.
Retirement Planning
Health Care Costs in Retirement
Health care costs are rising—especially for retirees, and some may need long-term care. Let's focus on planning for these expenses to help protect your retirement savings.
Health Care CostsPreparing for Tax Season
With the Tax Season here, we've gathered resources to help you stay organized and explore potential savings strategies. As always, please don't hesitate to reach out to us with any questions or further guidance.
How to Access Your Tax Forms
1. Log into your account via Morgan Stanley Online
2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
Log in to Morgan Stanley Online2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
Federal Tax Tables 2025
If you are interested in seeing the updated tax tables and other details for 2025, see all additional information here.
Click to See Tables
4 Key Tax Questions for Investors to Consider
Factoring the impact of taxes into your investment decisions can help you keep more of your hard-earned money, both now and in the future.
Explore the Questions Here
5 Tax-Smart Ways to Build Wealth
Even small tax adjustments in your portfolio can yield significantly more wealth over time. As lawmakers debate the tax code, here are several strategies to consider.
Click to Learn More
Steps that May Reduce Taxes on Your Income and Portfolio
There are several steps you can take to mitigate taxes and help potentially boost your after-tax returns.
Click to Learn More
Tax-Smart Strategies for Retirement
Smart tax planning can help you save more for retirement and keep more of what you’ve already saved. Consider these tax-efficient retirement planning strategies.
Read the Strategies HereLocation
601 Union Street
Suite 5200
Seattle, WA 98101
US
Direct:
(206) 628-4448(206) 628-4448
Fax:
(206) 628-4425(206) 628-4425
Meet My Team
About Beau Branley
Beau Branley joined Morgan Stanley Wealth Management after working with Key Investment Services. He graduated with a degree in finance from Washington State University and recently obtained his Series 7 license. He enjoys working with clients to help them through his exceptional service. Beau likes to golf, travel and spend time with friends and family.
Hear From My Clients
For over three decades, Chad has been my financial advisor and wealth manager. In that period of time, we have survived corrections in the market and celebrated the upswings in the financial world. I know of no other financial advisor or wealth manager whom I would trust implicitly to manage my investments and retirement account. As a family practitioner for over four decades, I would regard Chad as the specialist I would entrust the care of my family and myself without reserve.
William
Verified ClientDecember 18, 2024
Chad is one of the great ones! He has watched over our personal wealth journey for the past 20 years. A consummate professional in his chosen vocation. His ability to pair ones risk tolerance, where one is on life’s journey and uncovering investments that match those criteria has always amazed me.
We appreciate his caring and approachable nature and has become a friend.
Thank you, Chad, for all you do!
Dan and Barb
Verified ClientDecember 19, 2024
Chad has been a trusted advisor to our family for over 25 years. As our needs and financial goals have evolved, Chad has been instrumental in guiding us through these changes. His ability to adapt to evolving circumstances and provide tailored advice has been invaluable. His proactive approach ensures that our financial plans remain relevant and effective. We highly recommend Chad to anyone seeking a knowledgeable and reliable financial advisor.
Don
Verified ClientDecember 19, 2024
We were referred to Chad by our good friends. Meeting Chad and getting the opportunity to collaborate with him to enhance our financial future has enabled us to weather some significant changes in our lives. He has the foresight to bring ideas to us and include us in the decision making process such that we are not making knee jerk decisions. Most importantly he brings us access to investments that we never would have seen without him. Thank you, Chad!
Eric and Katherine
Verified ClientDecember 25, 2024
Chad Reibman has been our investment advisor for the past 20 years and we couldn’t be happier. Chad listens well, understands our goals, and answers our questions with his great knowledge of the investment world. He is immediately responsive to phone calls, emails, and texts. In addition, Chad has a wonderful support team who are also readily available to take care of any questions that come up. His pleasant and caring personality make it a pleasure to work with him. We hope he never retires!
Michael and Shainie
Verified ClientDecember 22, 2024
If there are two things Chad knows—they are magic and finance. Both require skills that I don’t have and a deep knowledge that I do not possess. Luckily, I don’t need to be an expert because I have Chad working with me to help me understand finances, strategize on what steps get me closest to my goals, and conjure up creative strategies that leave me feeling excited about saving and investing. We completely trust Chad and have no doubt that he is always looking out for our best interests.
Peter and Erin
Verified ClientDecember 25, 2024
We met Chad at a pivotal point in our investing efforts; this meeting changed our financial trajectory.
His signature blend of knowledge, integrity, professionalism, curiosity, and likability is award-winning! Working with Chad has been educational and growth-minded. His astute suggestions and genuine concern for our financial well-being and wealth management journey have given us clarity and a sense of well-being. Working with Chad positively impacted our investing ideas and confidence.
Jenny
Verified ClientJanuary 2, 2025
I have had the privilege of working with Chad for about 15 years, and my only regret is that I didn't meet him sooner. His guidance, trustworthiness, and communication have been invaluable, not only in good markets but especially in times of instability. Beyond his professional guidance, Chad is a genuinely good person who sincerely cares about me and my family. Thanks to his knowledge and direction, I was able to retire earlier than I had originally planned, for which I’m eternally grateful.
Daryl
Verified ClientJanuary 5, 2025
We have worked with Chad for 7-years and couldn't be more pleased. His communication and sage advice has been truly excellent. Outside of Chad's exceptional handling of our investments, I have found him to be a very experienced, dedicated, and trustworthy person overall. He responds quickly to our needs and handles things promptly and competently. I would highly recommend Chad as a highly client-focused broker.
Jay
Verified ClientJanuary 8, 2025
Chad has been managing our financial portfolio for nearly 25 years. He has always acted with integrity, honesty, and reliability. Chad has answered difficult questions with concise and verifiable responses, provided us with invaluable advice for our overall retirement plan, and considered our unique needs and risk tolerance. Our children are also now his clients. We are deeply grateful to Chad.
Don and Janine
Verified ClientJanuary 13, 2025
Chad makes effective investments, is terrific at explaining how money works and is thoughtful about helping me plan for the future. I appreciate that Chad has taken the time to get to know me–and that he checks in regularly to see how I am doing. He is reassuring in a volatile world and has been a warm, steady presence during big life events and personal transitions. I place a high value on the highly personal service Chad offers.
Chad’s team are wonderful and responsive too!
Anne
Verified ClientJanuary 29, 2025
What I like about Chad: He keeps me very well informed on movement in my portfolio; he seems to have an innate understanding of where to allocate funds that is the best for my goals; he answers my calls promptly, and if I have a stock I want to purchase, he listens to me. He also has excellent people working with him; people there to support me along with Chad. All in all, I think Chad Reibman is a very smart man when it comes to my money and a man I can trust. And that’s a lot.
Bob
Verified ClientMarch 3, 2025
When we met Chad Reibman, we had come late to the retirement saving and investing strategy. With Chad’s considerable knowledge of the market, he has led us through the investment journey. We are pleased with his continued efforts and look forward to many years working with him.
Linda and Mike
Verified ClientMarch 9, 2025
I have been associated with Mr. Chad Reibman for over 14 years. He guided me through the ups and downs of the market and, in the process, has become a very good friend. Over the years I’ve received outstanding service from Chad and his team. He’s been a pleasure to work with. If I must mention a regret, it would be that we didn't meet years sooner. Thank you Chad for your guidance and friendship.
Ernie
Verified ClientMarch 12, 2025
I appreciate your friendship as much as I appreciate your management of my family’s wealth. For three generations you have become an essential team member, and the fourth generation will certainly continue this legacy. On top of that, when my business partner signed on with you, your customized individual approach allowed him to gain confidence and trust. Thank you for helping me strategize a great retirement plan. You are the best!
Heather
Verified ClientMarch 23, 2025
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
3846129 9/24
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 Rylan Nordquist
Rylan Nordquist is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Washington.
Associate Private Bankers partner with Private Bankers and 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.
Rylan began his career in financial services in 2012, and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Banker at JP Morgan Chase.
Rylan is a graduate of Le Moyne College in Syracuse New York, where he received a double Major of Bachelor Science in Finance and Management Analysis. He lives in Seattle, Washington with his wife, Emily. Outside of the office, Rylan enjoys playing music, hiking, boating, and spending time with family and friends.
Associate Private Bankers partner with Private Bankers and 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.
Rylan began his career in financial services in 2012, and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Banker at JP Morgan Chase.
Rylan is a graduate of Le Moyne College in Syracuse New York, where he received a double Major of Bachelor Science in Finance and Management Analysis. He lives in Seattle, Washington with his wife, Emily. Outside of the office, Rylan enjoys playing music, hiking, boating, and spending time with family and friends.
NMLS#: 1272286
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, 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
This is a video content
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
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 Chad Reibman today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
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.
3When 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.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5When 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.
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
7Alternative 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.
8Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
9Morgan 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.
10Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
11Products 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
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.
3When 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.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5When 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.
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
7Alternative 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.
8Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
9Morgan 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.
10Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
11Products 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.
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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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
