Kimberly Emerson
Private Banker
Chay Rankin, M.B.A., CFP®, ChFC®
Executive Director, Wealth Management,
Financial Advisor,
Global Sports and Entertainment Director,
NFLPA Registered Institutional Player Financial Advisor
Direct:
(614) 798-3251(614) 798-3251
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Plan Today and Protect Tomorrow!
Plan Today and Protect Tomorrow!
Helping Deal with the Challenges of Self-Made Wealth
You’ve made it. Your hard work and sacrifices have provided you and your family with the type of wealth you’d dreamed of when you first began pursuing your goals. You now have the resources to enhance your life today and build for your future. However your success isn’t without challenges.
For more than 25 years I have helped people like you reach your goals for today and protect your dreams for tomorrow. My experience provides the planning and investment know-how to help you make the most efficient use of your money as possible, to help you protect your family and to assist you in your philanthropic efforts. I’m also able to draw on the expertise and resources of Morgan Stanley to help meet your unique borrowing, insurance and lifestyle needs. My personal background also helps me understand where you came from, where you are and where you want to be in the future.
I grew up in Columbus, Ohio. Winning an academic scholarship to Ohio State and then landing an internship at Key Bank inspired me to study business and finance. I earned a bachelor’s degree in business and went on to receive an M.B.A. from Franklin University. After beginning my career in banking, I moved to Merrill Lynch and then Huntington Financial Advisors. I joined Morgan Stanley in 2023. I hold both the Certified Financial Planner™ and Chartered Financial Consultant credentials giving me the training to address the planning, investing and insurance needs of both individuals and businesses. Giving back is central to my values, so I’m an active board member in a number of local organizations that work with at-risk youth. My wife is an anesthesiologist and an Associate dean of Ohio State’s Medical School. We live just outside Columbus with our two daughters.
Please reach out so we can schedule either an in-person or Zoom meeting to discuss how I can help preserve and grow your wealth today and protect your family’s future.
For more than 25 years I have helped people like you reach your goals for today and protect your dreams for tomorrow. My experience provides the planning and investment know-how to help you make the most efficient use of your money as possible, to help you protect your family and to assist you in your philanthropic efforts. I’m also able to draw on the expertise and resources of Morgan Stanley to help meet your unique borrowing, insurance and lifestyle needs. My personal background also helps me understand where you came from, where you are and where you want to be in the future.
I grew up in Columbus, Ohio. Winning an academic scholarship to Ohio State and then landing an internship at Key Bank inspired me to study business and finance. I earned a bachelor’s degree in business and went on to receive an M.B.A. from Franklin University. After beginning my career in banking, I moved to Merrill Lynch and then Huntington Financial Advisors. I joined Morgan Stanley in 2023. I hold both the Certified Financial Planner™ and Chartered Financial Consultant credentials giving me the training to address the planning, investing and insurance needs of both individuals and businesses. Giving back is central to my values, so I’m an active board member in a number of local organizations that work with at-risk youth. My wife is an anesthesiologist and an Associate dean of Ohio State’s Medical School. We live just outside Columbus with our two daughters.
Please reach out so we can schedule either an in-person or Zoom meeting to discuss how I can help preserve and grow your wealth today and protect your family’s future.
Securities Agent: WY, WV, VA, TX, TN, SC, RI, PR, PA, OK, OH, NY, NV, NM, NJ, NC, MT, MO, MI, MD, MA, LA, KY, KS, IL, GA, FL, DC, CO, CA, AZ, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 2556381
NMLS#: 2556381
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
UNDERSTAND. ADVISE. DELIVER.
Morgan Stanley Global Sports & Entertainment is a specialized wealth management division of Morgan Stanley that focuses exclusively on addressing the unique needs of top professionals like you, in the sports and entertainment industry.
As a Global Sports and Entertainment Director, Chay has the dedicated experience, continuing education and access to world-class resources needed to understand the complexities and pressures facing high-achieving professionals in the sports and entertainment industries, and to help them make smart choices about how they save, spend, invest, borrow, preserve and give.
Chay focuses on working with established and emerging players/coaches in professional sports as well as sports industry executives. Working exclusively in sports and entertainment, Chay understands the unique demands that come with a player, coach or industry executive. His experience understanding schedules, variability of income, and the demands that come from life inside and outside of the sports profession, enables Chay the ability to tap into a range of resources needed to address the unique immediate financial challenges, and to create comprehensive plans to help reach their long-term goals.
As a Global Sports and Entertainment Director, Chay has the dedicated experience, continuing education and access to world-class resources needed to understand the complexities and pressures facing high-achieving professionals in the sports and entertainment industries, and to help them make smart choices about how they save, spend, invest, borrow, preserve and give.
Chay focuses on working with established and emerging players/coaches in professional sports as well as sports industry executives. Working exclusively in sports and entertainment, Chay understands the unique demands that come with a player, coach or industry executive. His experience understanding schedules, variability of income, and the demands that come from life inside and outside of the sports profession, enables Chay the ability to tap into a range of resources needed to address the unique immediate financial challenges, and to create comprehensive plans to help reach their long-term goals.
You're Unique and We Know Why
There’s nothing common about you—not your talent, your drive, your achievements or even your challenges. From your variable income streams to your taxes, from your obligations to your aspirations, “typical” is not part of your vocabulary. You need distinctive financial strategies that can match your lifestyle and career trajectory.
Concentrated Experience in Capable Hands
Morgan Stanley Global Sports & Entertainment was developed to respond to the specific needs of sports and entertainment professionals at every stage of their careers. Chay understands your unique financial opportunities and challenges. He knows how money flows from your work to your wallet and live in your world, day in, day out, crafting innovative financial strategies as their chosen career.
Tailored Advice to Help Meet Your Life's Goals
You can leverage the vast resources of Morgan Stanley, one of the world’s largest and most respected wealth management firms, to address any objective, from helping build and preserve wealth, start a philanthropic foundation, expand your brand. Whatever aspirations you have for yourself, your family and your community, Chay can present strategies, products and services customized to help you reach your goals, your way.
Embrace the Power of Team
You have a handful of people who have supported you, encouraged you and watched your back. Chay routinely works in partnership with other trusted advisors to guide financial decision-making. He supports and respects your personal confidants, combining his strengths to help bring you greater success.
We're Changing the Narrative
The media is filled with stories of successful athletes and entertainers who have surprising financial setbacks. Chay is committed to changing that storyline. He's developed financial education programs for sports and entertainment veterans and emerging talents, including collegiate athletes, to help them avoid common mishaps. It’s part of his mission to give back to the community and provide sports and entertainment professionals the skills to help make smart choices around their finances and wealth.
Additional Resources
Equity for Endorsement? What to KnowUsing Your Income to Potentially Grow Your Wealth
It took more than just brains. Years of study, student loans, and sleep deprivation have paid off. Healing was always the goal, not an exceptional income. That welcome unintended result has come with countless benefits, along with some side effects.
A very comfortable income early in your career may have enabled you to get by without having to gain expertise in personal or business finance. However, as a physician you understand the importance of specialized training and experience. My mission is to lend you my training and experience to ensure that your stream of income lasts as long as possible and is used efficiently and effectively to help grow your wealth for the future. Our goal is to provide you and your family with options as you near retirement age, ranging from practicing for as long as you'd like to selling your practice and devoting yourself to other interests and pursuits.
Solutions We May Consider:
- Student loan repayment strategies
- Malpractice insurance
- Disability insurance
- Employment contracts
- Supplemental IRAs and Roth IRAs
- Alternative investments
- Analysis of investment proposals
- Complete or partial sale of practice
Helping Overcome the Obstacle of Illiquid Wealth
Whether you became an entrepreneur early on or turned to it as a second act after another successful career, you've likely been pouring most of your time and energy into growing the business. At some point you may find much of your wealth concentrated and illiquid, tied up in the value of your business.
In order to prepare for launching another business, your own retirement, or your family's future, there may come a time when you'll need to tap into the wealth you've built through your business. That can also mean developing succession plans that may involve family dynamics as well as finances.
As an advisor to you and your family I'll be striving to help you balance your personal interests and the business's interests. We'll be looking to maximize the wealth you're able to draw from the business while helping minimize the tax ramifications. We'll also be trying to determine whether the business should remain in the family or be sold to outside parties or perhaps employees.
Solutions we may consider:
- Key Man insurance
- Family discussions of management and ownership transition
- Grantor retained annuity trusts
- Intentionally defective grantor trusts
- Inter family loans and self-canceling installment notes
- Employee stock ownership plans
- IPO, LBO other sale to private equity investor
- Sale to a strategic acquirer
Repaying your community’s support
I believe that those of us who have achieved success should give back to our communities both through our time and our donations.
Having benefited from scholarships and internships, I'm called to do what I can to help at-risk youth and families. I'm currently the Chairman of the Board of Directors of The Buckeye Ranch, one of our county's leading providers of emotional, behavioral and mental health services for children, young adults and families. I'm Vice-Chair of the Board of Community for New Direction, which is dedicated to preventing the youthful use of alcohol, tobacco and other drugs, as well as violence by youth in our communities. Most recently I've joined the Board of Trustees of St. Stephen's Community House, which provides health care and nutrition to families at risk.
Most of my clients share my drive to repay their communities for the support they received early in their lives. Drawing on my own experiences and my planning training, I'm able to help them manage their own philanthropic efforts and pass along the blessings of charitable giving to their family members.
Solutions we may consider:
- Investing with impact
- Philanthropy management
- Maximizing the impact of contributions
- Charity research and analysis
- Foundation strategies
- Grant-making strategies
- Board development
- Legacy planning
Location
545 Metro Place South
Suite 300
Dublin, OH 43017
US
Direct:
(614) 798-3251(614) 798-3251
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
Kimberly Nute Jones, CFP®
Financial Planning Director, Vice President
About Kimberly Emerson
Kimberly Emerson is a Private Banker serving Morgan Stanley Wealth Management offices in Ohio.
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.
Kimberly began her career in financial services in 2001, and joined Morgan Stanley in 2015. Prior to joining the firm, she was a Private Banking Relationship Manager at FC Bank. Kimberly has also been a Wealth Management Banker at Merrill Lynch, as well as a Private Banking Relationship Manager at Fifth Third and KeyBank.
Kimberly is a graduate of Ohio Dominican University where she received a Bachelor of Arts in Business Administration. She and her family reside in Blacklick, Ohio. Outside of the office, Kimberly enjoys sporting events, concerts, and spending time with her family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kimberly began her career in financial services in 2001, and joined Morgan Stanley in 2015. Prior to joining the firm, she was a Private Banking Relationship Manager at FC Bank. Kimberly has also been a Wealth Management Banker at Merrill Lynch, as well as a Private Banking Relationship Manager at Fifth Third and KeyBank.
Kimberly is a graduate of Ohio Dominican University where she received a Bachelor of Arts in Business Administration. She and her family reside in Blacklick, Ohio. Outside of the office, Kimberly enjoys sporting events, concerts, and spending time with her family.
NMLS#: 767178
About Kimberly Nute Jones
Kimberly is a Vice President and Financial Planning Director serving Morgan Stanley’s Private Wealth Management offices in Illinois, Indiana, Michigan, Minnesota and Pennsylvania. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Kimberly began her career in financial services in 1991 and joined Morgan Stanley in 2012. Prior to her current role, Kimberly was a Senior Executive Financial Planner at Goldman Sachs Ayco in Deerfield, Illinois and an Associate Vice President and Financial Advisor in Morgan Stanley’s Oak Brook Illinois complex. Kimberly currently serves on Morgan Stanley’s Great Lakes Region Diversity Council and is a member of several firm-led affinity groups. She is an active member of Women Investment Professionals (WIP), and the Association of African American Financial Advisors (Quad A).
Kimberly currently serves on the Museum of Science and Industry’s Black Creativity Advisory Council, sit on various national and local committees for the National Coalition of 100 Black Women, and plans events for Go Fish NFP, a nonprofit organization started by her children.
Kimberly earned her Bachelor of Science degree in Financial Counseling and Planning from Purdue University, West Lafayette, Indiana, Master's degree in Education with distinction from Saint Xavier University in Chicago, and Certified Financial Planning certificate program from Northwestern University School of Professional Studies, Evanston, Illinois. She currently holds her Certified Financial Planner® designation. Kimberly lives in Flossmoor, Illinois with her husband, two children and their dog. In her spare time, Kimberly enjoys doing genealogical research and traveling with her family and friends.
Kimberly began her career in financial services in 1991 and joined Morgan Stanley in 2012. Prior to her current role, Kimberly was a Senior Executive Financial Planner at Goldman Sachs Ayco in Deerfield, Illinois and an Associate Vice President and Financial Advisor in Morgan Stanley’s Oak Brook Illinois complex. Kimberly currently serves on Morgan Stanley’s Great Lakes Region Diversity Council and is a member of several firm-led affinity groups. She is an active member of Women Investment Professionals (WIP), and the Association of African American Financial Advisors (Quad A).
Kimberly currently serves on the Museum of Science and Industry’s Black Creativity Advisory Council, sit on various national and local committees for the National Coalition of 100 Black Women, and plans events for Go Fish NFP, a nonprofit organization started by her children.
Kimberly earned her Bachelor of Science degree in Financial Counseling and Planning from Purdue University, West Lafayette, Indiana, Master's degree in Education with distinction from Saint Xavier University in Chicago, and Certified Financial Planning certificate program from Northwestern University School of Professional Studies, Evanston, Illinois. She currently holds her Certified Financial Planner® designation. Kimberly lives in Flossmoor, Illinois with her husband, two children and their dog. In her spare time, Kimberly enjoys doing genealogical research and traveling with her family and friends.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
Ready to start a conversation? Contact Chay Rankin, M.B.A. today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
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.
2When 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.
3Alternative 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.
4Products 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.
5Morgan 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
6Morgan 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.
7Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
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.
2When 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.
3Alternative 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.
4Products 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.
5Morgan 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
6Morgan 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.
7Morgan 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.
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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
