Benjamin Brennan, CFP®
Group Director
Phone:
(703) 556-8185(703) 556-8185
Claire M. S. Meade
First Vice President, Wealth Management,
Financial Advisor,
Financial Planning Specialist,
Family Wealth Advisor,
Insurance Planning Director,
Portfolio Manager
Direct:
(703) 556-8107(703) 556-8107
Toll-Free:
(800) 356-6492(800) 356-6492
My Mission Statement
My experience, access to intellectual capital, and dedicated personal service creates a unique client service experience in how I care for my clients to help them define and develop their life goals.
Welcome!
I began my career in the Financial Services industry over 20 years ago. My clients are busy people - they don't have the time, resources, or perhaps just the interest in managing their own assets -- I worry about their retirement so that they can focus on what's happening in their life now.
My practice focuses on financial planning based investment management. I work with clients to develop personalized financial plans by helping them to set specific goals and objectives to plan for retirement, to make investment decisions, to save for college, and to manage their insurance needs.
I grew up in Northern Virginia. I graduated from the University of Virginia, earning a degree in Rhetoric & Communications Studies as well as a Master’s of Education. After positions as a television news reporter and in marketing, I returned to working for my family’s staffing service, managing one of their offices. I found my true calling, in financial services, when my family’s Financial Advisor suggested that I come work with him at Solomon Smith Barney after my parents sold their business. I went on to build my own practice, drawing on my small business experience to help business owners and a wide-array of clients including corporate executives, professionals, and families working hard to build wealth for college expenses and retirement.
In addition, I have served on the board of the non-profits such as Washington Women’s Leadership Initiative and enjoy volunteering for youth sports and other community activities. I am married to my college sweetheart, John, and live with our two sons in Oak Hill, VA.
My practice focuses on financial planning based investment management. I work with clients to develop personalized financial plans by helping them to set specific goals and objectives to plan for retirement, to make investment decisions, to save for college, and to manage their insurance needs.
I grew up in Northern Virginia. I graduated from the University of Virginia, earning a degree in Rhetoric & Communications Studies as well as a Master’s of Education. After positions as a television news reporter and in marketing, I returned to working for my family’s staffing service, managing one of their offices. I found my true calling, in financial services, when my family’s Financial Advisor suggested that I come work with him at Solomon Smith Barney after my parents sold their business. I went on to build my own practice, drawing on my small business experience to help business owners and a wide-array of clients including corporate executives, professionals, and families working hard to build wealth for college expenses and retirement.
In addition, I have served on the board of the non-profits such as Washington Women’s Leadership Initiative and enjoy volunteering for youth sports and other community activities. I am married to my college sweetheart, John, and live with our two sons in Oak Hill, VA.
Securities Agent: WV, VT, VA, UT, TN, SD, SC, RI, PA, OR, OK, NY, NV, NM, NH, ND, NC, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, HI, GA, MT, FL, DE, DC, NJ, CT, CO, CA, OH, AZ, AR, AL, WA, TX; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1421405
CA Insurance License #: 0140007
NMLS#: 1421405
CA Insurance License #: 0140007
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
Discover: It's All About You
Learning about you is crucial before we can provide you with advice. That's why we begin with a process that is centered on you. Guided by a robust discovery process, we gain an understanding of your life - the people, activities, things and ideas that are important to you - including your needs and aspirations. Once we understand your life goals, we develop a truly personalized wealth strategy.
Create: A Personalized Plan to Address Your Goals
Using our suite of tools we can create your personal roadmap to help achieve and protect your goals - a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Act: Implementing Financial Solutions
We tailor our product and investment recomendations to meet the needs uncovered in the weatlh planning process. We determine appropriate strategies for helping to protect and grow your wealth, including preserving your assets for your heirs.
Adjust: Helping to Keep You on Track as Life Changes
Over time, your needs and priorities evolve. Meanwhile, markets shift, interest rates fluctuate and tax laws change. That's why building and monitoring your wealth strategy should be a continual process, adjusting and adapting to your changing circumstances.
Prepared For Anything
The Morgan Stanley process begins with you, your investment objectives, and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals.
The sophisticated suite of tools and the extensive list of resources that Morgan Stanley offers, allows us to implement the Morgan Stanley wealth management process and translate your goals into reality.
The sophisticated suite of tools and the extensive list of resources that Morgan Stanley offers, allows us to implement the Morgan Stanley wealth management process and translate your goals into reality.
Goals Planning System (GPS)
Working with Morgan Stanley and its advanced wealth management technology is an ideal way to access advice and build a coherent wealth plan. Working together we can uncover your needs, manage risk, and build a customized plan to help you reach your financial goals. GPS is our financial planning software. It helps define what you want out of life, so we can create a financial framework to bring these goals to fruition.
To learn more, watch this video:
LifeView Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs.
LifeView Questionnaire
Aladdin - Intelligent Risk Management
There’s a chance your portfolio may be at risk, but how you manage that risk is what matters. Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to help better enable risk to be effectively monitored and managed.
Portfolio Risk Platform – Powered by AladdinAwards
2023, 2024, 2025 Forbes Top Women Wealth Advisors Best-In-State
Source: Forbes.com (Awarded 2023, 2024, 2025) Data compiled by SHOOK Research LLC based on 12-month time period concluding in September of year prior to issuance of the award. https://mgstn.ly/3WT0Yi7
Five Star Professionals Wealth Manager 2015-2017, 2019-2023
2015-2017, 2019-2023 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2015, 2016 2017, 2019. 2020, 2021, 2022, and 2023) These awards were determined through an evaluation process conducted by Five-Star Professional, based on objective criteria, during the following periods:
2015 Award - 2/14/15 - 8/10/15
2016 Award - 3/2/16 - 8/30/16
2017 Award - 2/8/17 - 8/22/17
2019 Award - 12/31/18 - 8/9/19
2020 Award - 1/27/20 - 8/21/20
2021 Award - 1/4/21 - 7/23/21
2022 Award - 1/10/22 - 8/26/22
2023 Award - 1/9/23 - 7/31/23
https://www.morganstanley.com/disclosures/awards-disclosure.html
Source: fivestarprofessional.com (Awarded 2015, 2016 2017, 2019. 2020, 2021, 2022, and 2023) These awards were determined through an evaluation process conducted by Five-Star Professional, based on objective criteria, during the following periods:
2015 Award - 2/14/15 - 8/10/15
2016 Award - 3/2/16 - 8/30/16
2017 Award - 2/8/17 - 8/22/17
2019 Award - 12/31/18 - 8/9/19
2020 Award - 1/27/20 - 8/21/20
2021 Award - 1/4/21 - 7/23/21
2022 Award - 1/10/22 - 8/26/22
2023 Award - 1/9/23 - 7/31/23
https://www.morganstanley.com/disclosures/awards-disclosure.html
Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded Oct 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
Resources and Information for You
Check out some videos made by me about various topics.
Light Bulbs, Ice Cream, and Lunch
What do light bulbs, ice cream, and lunch have to do with your retirement?
Watch my video on planning for your retirement to find out!
Watch hereWatch my video on planning for your retirement to find out!
529 Plans
529 Plans may be a great way to pay for your children or grandchildren to attend college. Starting the process early can help limit how much needs to be borrowed.
Watch here to learn more about 529 Plans
Forbes 2023 Top Women Wealth Advisors Best-In-State
Happy to announce that I was named to Forbes 2023 Top Women Wealth Advisors Best-In-State!
Source: Forbes (Awarded Feb 2023) Data compiled by SHOOK Research LLC based on time period from 9/30/21 - 9/30/22 https://mgstn.ly/3WT0Yi7
Watch hereSource: Forbes (Awarded Feb 2023) Data compiled by SHOOK Research LLC based on time period from 9/30/21 - 9/30/22 https://mgstn.ly/3WT0Yi7
Medicare 101: What Every Woman Should Know
See my video for an event I hosted alongside some other financial advisors at Morgan Stanley. Be on the lookout for more events in the future!
Watch hereLocation
1650 Tysons Blvd
Suite 1000
McLean, VA 22102
US
Direct:
(703) 556-8107(703) 556-8107
Toll-Free:
(800) 356-6492(800) 356-6492
Fax:
(703) 879-7599(703) 879-7599
Meet My Team
Joey Veizaga-Soto
Registered CSA
Phone:
(703) 556-6374(703) 556-6374
Sharayah Reed
Portfolio Associate
Phone:
(703) 556-8156(703) 556-8156
Van Tran
Registered CSA
Phone:
(703) 556-8141(703) 556-8141
Deji Onitiri
Registered CSA
Phone:
(703) 556-6376(703) 556-6376
Reimy Saavedra
Wealth Management Associate, Financial Planning Specialist
Phone:
(703) 556-6374(703) 556-6374
About Benjamin Brennan
As Group Director of the MSCT, Ben is responsible for oversight of all client service related matters, client relationship management, account maintenance, and practice management. Ben is committed to delivering the highest level of professionalism and exemplary service in every client interaction. He prides himself on understanding clients’ specific needs, developing solutions collaboratively, and communicating those solutions efficiently with the client.
Ben is a 2014 graduate from Franklin and Marshall College in Lancaster, PA with a major in Business and a minor in Economics. After graduation, he became Series 7 and 66 registered, insurance licensed, and has held the CFP® designation since 2018. Ben has 10+ years of experience with Morgan Stanley as a Registered Client Service Associate, with particular interest in business development and financial planning.
Ben has one son, Theo, and is happiest when spending time with him!
Ben is a 2014 graduate from Franklin and Marshall College in Lancaster, PA with a major in Business and a minor in Economics. After graduation, he became Series 7 and 66 registered, insurance licensed, and has held the CFP® designation since 2018. Ben has 10+ years of experience with Morgan Stanley as a Registered Client Service Associate, with particular interest in business development and financial planning.
Ben has one son, Theo, and is happiest when spending time with him!
About Joey Veizaga-Soto
Joey received his bachelor’s degree in economics from James Madison University in the summer of 2024. He joined Morgan Stanley as a Registered CSA and is part of the Wealth Management team. He grew up in Falls Church, VA. He holds his SIE license, Series 66 license, Series 7 license and VA Life, Annuity, and Health Insurance license. Joey is committed to providing the highest level of professionalism and service when it comes to having those client interactions. He is also fluent in Spanish.
Outside of work, Joey plays soccer on weekends and weekdays as he's part of an FXA team. He loves to spend time with his family and loves to eat his mom’s homemade food every afternoon. He loves spending time with his dog Milo, especially when they go on their daily long walks.
Outside of work, Joey plays soccer on weekends and weekdays as he's part of an FXA team. He loves to spend time with his family and loves to eat his mom’s homemade food every afternoon. He loves spending time with his dog Milo, especially when they go on their daily long walks.
About Sharayah Reed
With over a decade of experience in the financial services industry, Sharayah has a diverse background that has included banking, lending, and brokerage services. Sharayah began her financial career at Wells Fargo in 2012, where she held the role of Private Banker. She joined Morgan Stanley in January 2020 and is passionate about providing the highest level of service to all clients. She holds a Series 7 license, Series 63 license, Series 65 license, and Life and Variable insurance license.
Sharayah is a 2012 alumna of Old Dominion University where she earned her Bachelor of Science in Interdisciplinary Studies. She was born and raised in Winchester, Virginia, and currently resides in Winchester with her children, Liam and Mila. Sharayah and family are food enthusiasts and love trying new establishments and introducing the children to a variety of foods. In her free time, she enjoys watching her son play soccer, her daughter in gymnastics, reading a good book, and journaling.
Sharayah is a 2012 alumna of Old Dominion University where she earned her Bachelor of Science in Interdisciplinary Studies. She was born and raised in Winchester, Virginia, and currently resides in Winchester with her children, Liam and Mila. Sharayah and family are food enthusiasts and love trying new establishments and introducing the children to a variety of foods. In her free time, she enjoys watching her son play soccer, her daughter in gymnastics, reading a good book, and journaling.
About Van Tran
Van joined Morgan Stanley in summer 2025 right after her graduation from Hobart and William Smith Colleges, located upstate New York, with a double major in Economics and Mathematics. Originally came from Vietnam, Van has a diverse background and can speak fluently English, Vietnamese, and conversational level of French.
Joining the Wealth Management team, Van serves as a Client Services Associate to support the team and clients. She is currently holding the SIE, the Series 66, and will soon obtain the Series 7. Outside of work, Van loves working out, hanging out with friends and families, travelling, and exploring different local cuisines.
Joining the Wealth Management team, Van serves as a Client Services Associate to support the team and clients. She is currently holding the SIE, the Series 66, and will soon obtain the Series 7. Outside of work, Van loves working out, hanging out with friends and families, travelling, and exploring different local cuisines.
About Deji Onitiri
Deji graduated from New York University in 2023, with a major in Sports Management. He was born in England and currently resides in Rockville, Maryland. He holds his Series 7 and Series 66 licenses. Outside of work, Deji enjoys watching documentaries, trying new restaurants, and staying physically active.
About Reimy Saavedra
Reimy joined Morgan Stanley in 2018 and serves as a Wealth Management Associate. His responsibilities include business development, stock/industry research and trading/execution for HNW/UHNW individuals, foundations, and institution.
He grew up in Alexandria, Virginia and studied Finance at George Mason University. He holds a Series 7 license, Series 66 license and is currently working towards the Virginia life, Health, and Variable insurance license. Reimy is passionate about traveling and spending time with his family.
He grew up in Alexandria, Virginia and studied Finance at George Mason University. He holds a Series 7 license, Series 66 license and is currently working towards the Virginia life, Health, and Variable insurance license. Reimy is passionate about traveling and spending time with his family.
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
Liam Drennan
Private Banker
Cody Stimson
Planning Associate
About Liam Drennan
Liam Drennan is a Private Banker serving Morgan Stanley Wealth Management offices in Virginia and Maryland.
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.
Liam began his career in financial services in 2019 and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was an Associate at the Janney Montgomery Scott. He also served as a Relationship Manager at Wells Fargo Business Banking.
Liam is a graduate of the George Mason University, where he received a Bachelor’s Degree in Economics. He lives in Arlington, Virginia. Outside of the office, Liam enjoys running, hiking, and playing golf with friends.
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.
Liam began his career in financial services in 2019 and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was an Associate at the Janney Montgomery Scott. He also served as a Relationship Manager at Wells Fargo Business Banking.
Liam is a graduate of the George Mason University, where he received a Bachelor’s Degree in Economics. He lives in Arlington, Virginia. Outside of the office, Liam enjoys running, hiking, and playing golf with friends.
NMLS#: 2284330
About Cody Stimson
Cody Stimson 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 the 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. Cody 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 Kennesaw State University and received the Financial Planning Specialist® designation from the College for Financial Planning. Cody is originally from Marietta, Georgia and currently resides in Sandy Springs, Georgia.
He earned his undergraduate degree from Kennesaw State University and received the Financial Planning Specialist® designation from the College for Financial Planning. Cody is originally from Marietta, Georgia and currently resides in Sandy Springs, Georgia.
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.
When 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.
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.
When 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.
Wealth Management
From My Desk
Study Links Good Financial Habits to Achieving Happiness
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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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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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.
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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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Claire M. S. Meade today.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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.
3Morgan 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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
6Investors 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.
7Products 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.
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.
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2Morgan 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.
3Morgan 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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
6Investors 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.
7Products 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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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:
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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.
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CRC 4665150 (8/2025)
