Daniel Finn, CFP®
Executive Director, Wealth Management, Wealth Advisor, Senior Portfolio Management Director
Phone:
(781) 416-2428(781) 416-2428
The Insignia Group at Morgan Stanley
Daniel Finn, CFP®Julie Winston, CFP®, CDFA®, CPWA®Christopher Tracy, CFP®Eugene Clark, CFP®Janet McCormick, CFA®Eugene H. Clark IV
Direct:
(781) 431-6710(781) 431-6710
Toll-Free:
(800) 767-7462(800) 767-7462
Our Mission Statement
Helping clients pursue personalized financial strategies with clarity, purpose and disciplined guidance
About Us
At the Insignia Group at Morgan Stanley, we believe wealth management is most effective in a collaborative environment and that your future deserves the highest level of clarity, purpose and experience. Helping clients establish a clear understanding of their current financial situation and how they envision their future sets the stage for success. Purposefully crafting wealth and investment management strategies and designing a course of action with our clients, sets that journey in motion. Implementing the plan means proactively adapting to help meet the evolving needs of our clients and the changing markets. People have many different financial goals; and we work with each client to align with their short and long term financial goals.
Team Awards
5 Star Wealth Management - Boston Magazine
Daniel Finn named 5 Star Wealth Manager by Boston Magazine in: 2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024, and 2025
2012 -2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2025) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2012 Award - 05/18/2011 - 11/6/2011
2013 Award - 05/18/2012 - 11/6/2012
2014 Award - 05/18/2013 - 11/6/2013
2015 Award - 05/18/2014 - 11/6/2014
2016 Award - 05/18/2015 - 11/6/2015
2017 Award - 05/18/2016 - 11/6/2016
2018 Award - 05/18/2017 - 11/6/2017
2019 Award - 04/18/2018 - 11/6/2018
2020 Award - 04/01/2019 - 12/13/2019
2021 Award - 05/25/2020 - 11/30/2020
2022 Award - 05/24/2021 - 11/19/2021
2023 Award - 05/23/2022 - 01/06/2023
2024 Award - 04/10/2023 - 10/31/2023
2025 Award - 04/10/2024 - 10/31/2024
5 Star Wealth Management - Boston Magazine
Julie Winston named a 5 Star Wealth Manager by Boston Magazine in: 2013, 2014, 2015, 2016, 2018, 2019, 2020, 2021, 2022, 2023, 2024 and 2025
2013 -2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2013-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2013 Award - 05/18/2012 - 11/6/2012
2014 Award - 05/18/2013 - 11/6/2013
2015 Award - 05/18/2014 - 11/6/2014
2016 Award - 05/18/2015 - 11/6/2015
2017 Award - 05/18/2016 - 11/6/2016
2018 Award - 05/18/2017 - 11/6/2017
2019 Award - 04/18/2018 - 11/6/2018
2020 Award - 04/01/2019 - 12/13/2019
2021 Award - 05/25/2020 - 11/30/2020
2022 Award - 05/24/2021 - 11/19/2021
2023 Award - 05/23/2022 - 01/06/2023
2024 Award - 04/10/2023 - 10/31/2023
2025 Award - 04/10/2024 - 10/31/2024
5 Star Wealth Management - Boston Magazine
Christopher Tracy named a 5 Star Wealth Manager by Boston Magazine in: 2023, 2024 and 2025
2023 -2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2023-2025) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2023 Award - 05/23/2022 - 01/06/2023
2024 Award - 04/10/2023 - 10/31/2023
2025 Award - 04/10/2024 - 10/31/2024
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Insignia Group Planning Process
A meaningful plan begins with understanding the full picture. Our planning process is designed to help organize your financial life, clarify your priorities and create a framework for decision-making. From discovery through implementation and ongoing review, each step is built around your goals and evolving needs.
As advisors, we believe managing each client relationship with prudence, a long-term perspective and adherence to the highest standards of ethical behavior and personal responsibility is paramount.
Confidentiality
We understand confidentiality is core to any financial relationship. We recognize your personal and financial data is your private information, and we are committed to keeping it secure and confidential. At Morgan Stanley, we employ a full suite of strategies designed to help safeguard your assets, support secure online interactions and help keep your personal information confidential.
Code of Conduct
As your advisors, we are proud to uphold our firm’s personal code of conduct and work diligently to provide appropriate strategies, products and services that put your interests above all else. We believe it is essential that our clients know not only what their advisor recommends, but why they recommend it.
Planning
We can help bring order to your financial life by assisting you in organizing your financial and personal affairs. We can prepare a comprehensive financial plan and work with you to help establish your goals and agree upon an implementation plan.
Accountability
We maintain a close personal and working relationship with our clients by scheduling frequent market and portfolio updates.
Proactive Communication
During times of significant market volatility, we seek to communicate proactively and work with you to plan for changing financial and family needs.
CYBERSECURITY CENTER & RESOURCES
At The Insignia Group at Morgan Stanley, helping you protect your financial information, accounts and loved ones is an important part of our commitment to you. As cyber threats and financial scams continue to evolve, staying informed and knowing how to respond can make a meaningful difference.
Explore these cybersecurity resources for practical guidelines on protecting your accounts, strengthening your online security, recognizing common scams and safeguarding your family, including older adults who may be especially vulnerable to financial exploitation. You'll also find information on how to report suspicious activity or contact Morgan Stanley if you believe your personal information or accounts may have been compromised.
- Believe you may be the victim of fraud or identity theft
- Suspect your phone or email may have been compromised
- Notice suspicious account activity
- Receive a questionable call, email or text that appears to be from Morgan Stanley
Protect Your Account
Morgan Stanley invests heavily in cybersecurity and fraud prevention technology and employs world-class talent to lead these efforts. Our in-house cyber defense organization works closely with industry and government partners to continuously evaluate and respond to an evolving threat landscape.
Spot & Stop Scams
Scammers use social engineering, or false pretenses, to try and convince victims to divulge personal information or part with their funds. Find out how to recognize common signs of a scam and respond quickly if something doesn't seem right.
Strengthen Your Cybersecurity
Hacks, data breaches, ransomware, deepfakes – if these terms sound scary and overwhelming, you're not alone. Fortunately, there are simple steps you can take today to harden your defenses.
Safeguard Older Adults
Older adults are disproportionately targeted by scams and can be potential victims of financial exploitation. Learn how to recognize warning signs that can help protect yourself and the people you care about.
Keep Your Family Safe
From marriage to parenthood, blending families and supporting intergenerational needs, every life stage brings new security considerations. Discover ways to help protect your family's accounts, information and financial well-being.
Report an Issue or Concern
We are available 24/7 to help you. Contact us immediately at 888-454-3965 if you:
MODERN WEALTH TOOLS & RESOURCES
Morgan Stanley's comprehensive suite of digital resources has been carefully designed to help enhance each and every aspect of your financial portfolio and life. Learn more about some of the Modern Wealth Management Tools that we offer to our valued clients.
Morgan Stanley Online
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorizations.
Learn More
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool.
Learn More
Total Wealth View
View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you'll benefit from more informed wealth planning, secure data access and convenient connectivity.
Learn More
Digital Vault
Digital Vault allows for easy sharing and convenient access to your most important documents from wills and deeds to financial statements and tax filings. Easily manage your encrypted financial records all in one place.
Learn More
eDelivery
eDelivery provides you with the ability to view statements and other documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Learn More
Cyber Security Resources
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More
Family Office Resources
Morgan Stanley Family Office Resources provides specialized, technical knowledge to select clients across a broad range of family wealth management issues. Our core capabilities span three complimentary areas of focus including Governance & Legacy, Wealth Strategies and Signature Access.
Learn More
MS Reserved
Reserved Living & Giving is a tiered complementary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn More
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
Listen to the Latest Episode
GIC On the Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read the Latest Report
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read the Latest Report
2026 Federal Tax Tables
This document outlines the 2026 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
View 2026 Federal Tax RatesLocation
112 Worcester Street
Wellesley, MA 02481
US
Direct:
(781) 431-6710(781) 431-6710
Toll-Free:
(800) 767-7462(800) 767-7462
Meet The Insignia Group
Julie Winston, CFP®, CDFA®, CPWA®
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(781) 416-2430(781) 416-2430
Christopher Tracy, CFP®
First Vice President, Wealth Management, Financial Advisor
Phone:
(781) 431-6783(781) 431-6783
Phone:
(781) 431-6795(781) 431-6795
Janet McCormick, CFA®
Financial Advisor, Portfolio Manager
Phone:
(781) 431-6755(781) 431-6755
Phone:
(508) 870-7005(508) 870-7005
Dana Donovan
Senior Registered Associate, Portfolio Associate
Phone:
(781) 431-6705(781) 431-6705
Diane Burke
Registered Associate, Portfolio Associate
Phone:
(508) 870-7063(508) 870-7063
Lauren Schoenberger
Registered Client Service Associate
Phone:
(781) 431-6752(781) 431-6752
Michael Baur
Registered Client Service Associate
Phone:
(781) 431-6739(781) 431-6739
About Daniel Finn
Daniel Finn is an Executive Director, Wealth Advisor, and a Family Wealth Director with the Insignia Group at Morgan Stanley in Wellesley, Massachusetts. As co-founder of the Insignia Group, Dan brings more than 25 years of wealth management experience to serve an exclusive group of high-net-worth families, business owners and foundations.
Dan understands the myriad of complexities associated with substantial wealth and the importance of leveraging the global capabilities and vast resources of Morgan Stanley to help clients achieve their long-term goals. He is a passionate advocate for his clients and is committed to remain at the forefront of the wealth management field to better serve them. Dan is a Certified Financial Planner®, a designation he has held since 2002, and has earned Morgan Stanley’s Family Wealth Director title, which is awarded to a select few of the firm’s senior consultants who have successfully completed advanced studies and consistently demonstrated in-depth knowledge in this highly specialized area.
Throughout his career, Dan has received numerous honors for his work. The Financial Times recognized him as one of the top 400 Financial Advisors in the United States in 2015 and 2016. Additionally, Dan serves as the Co-Chair on the Advisory Board of Morgan Stanley’s Consulting Group. In addition, he chairs the Committee on Global Investment Office and Product Development and advises on a business line that manages over $2.0 trillion in client assets across the firm.
Dan is invested in his community of Natick, MA and is actively involved with several non-profit organizations. When not in the office or volunteering, Dan enjoys cooking, skiing and traveling with his wife Dana and their three children.
Disclosures
2015 and 2016 Financial Times 400 Top Financial Advisors
Source: ft.com. Data compiled by the Financial Times based the following time periods:
Awarded 2016; data 9/30/13 - 9/30/15
Awarded 2015; data 9/30/13 - 9/30/14
Dan understands the myriad of complexities associated with substantial wealth and the importance of leveraging the global capabilities and vast resources of Morgan Stanley to help clients achieve their long-term goals. He is a passionate advocate for his clients and is committed to remain at the forefront of the wealth management field to better serve them. Dan is a Certified Financial Planner®, a designation he has held since 2002, and has earned Morgan Stanley’s Family Wealth Director title, which is awarded to a select few of the firm’s senior consultants who have successfully completed advanced studies and consistently demonstrated in-depth knowledge in this highly specialized area.
Throughout his career, Dan has received numerous honors for his work. The Financial Times recognized him as one of the top 400 Financial Advisors in the United States in 2015 and 2016. Additionally, Dan serves as the Co-Chair on the Advisory Board of Morgan Stanley’s Consulting Group. In addition, he chairs the Committee on Global Investment Office and Product Development and advises on a business line that manages over $2.0 trillion in client assets across the firm.
Dan is invested in his community of Natick, MA and is actively involved with several non-profit organizations. When not in the office or volunteering, Dan enjoys cooking, skiing and traveling with his wife Dana and their three children.
Disclosures
2015 and 2016 Financial Times 400 Top Financial Advisors
Source: ft.com. Data compiled by the Financial Times based the following time periods:
Awarded 2016; data 9/30/13 - 9/30/15
Awarded 2015; data 9/30/13 - 9/30/14
Securities Agent: ME, AK, NH, KY, GA, AZ, AL, WA, NE, FL, VA, MI, IL, WY, PA, OH, VT, RI, NJ, ND, NC, WI, SC, NV, DE, DC, TX, CO, CA, OR, NY, MA, LA, TN, MT, MN, CT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 176232
NMLS#: 176232
About Julie Winston
Julie Winston is a Senior Vice President, Financial Advisor and Certified Financial Planner® with the Insignia Group at Morgan Stanley in Wellesley, Massachusetts. She also holds the Certified Divorce Financial Analyst designation, reflecting her extensive understanding of the often-complex financial situations concerning separation and divorce. Julie co-founded the Insignia Group with colleague Daniel Finn in January 2012. She has over two decades of experience in financial services and has established a stellar reputation for creating holistic financial plans for high-net-worth families, business owners and divorcees.
While service is important to every financial advisor, it holds a special meaning to Julie. In the process of blazing her successful path in the business world, Julie had an equally rewarding 22-year career in the U.S. military, underscoring her steadfast devotion to her country. Julie last served in the Massachusetts Army National Guard as a Lieutenant Colonel, retiring in 2017. Throughout her military career, Julie served in a number of leadership roles including company commander, battalion executive officer, battalion commander and finished her career as a brigade operations officer for the 151 RSG. Earlier in her military career, she served as the Executive Officer for the 726th Finance Battalion in Afghanistan. During her tour of duty, Julie worked with the Central Bank of Afghanistan to help stabilize the Afghani currency, streamlined how the U.S. military worked with local vendors and contractors and liaised between the Afghan banking association, the U.S. military and Da Afghanistan Bank. She was awarded the Bronze Star Medal for her exceptional leadership and accomplishments toward the strategic mission in theater.
In her work with the Insignia Group, Julie applies the same commitment and courage as she did in the military. Julie works closely with clients to help navigate the market and economic environment in pursuit of their unique financial goals. Julie holds a BBA from the University of Massachusetts Amherst and a master's degree in Financial Planning from Bentley University, reflecting her deep commitment to providing prudent and thorough guidance in all areas of financial planning. In addition to being a good communicator and listener, she is well-organized, highly adept at building collaborative relationships, and prides herself on continuously updating her financial knowledge base to provide thoughtful strategies.
When she isn’t serving her clients, Julie enjoys hiking, skiing, gardening and spending time with her family. She also volunteers with her daughter’s Girl Scout troop and currently serves on her town’s Finance Committee. Julie lives in Holliston with her two children, Olivia and Sean.
Disclosures
2013-2023 Five Star Wealth Manager Award Source: fivestarprofessional.com (Awarded 2013-2023)The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
While service is important to every financial advisor, it holds a special meaning to Julie. In the process of blazing her successful path in the business world, Julie had an equally rewarding 22-year career in the U.S. military, underscoring her steadfast devotion to her country. Julie last served in the Massachusetts Army National Guard as a Lieutenant Colonel, retiring in 2017. Throughout her military career, Julie served in a number of leadership roles including company commander, battalion executive officer, battalion commander and finished her career as a brigade operations officer for the 151 RSG. Earlier in her military career, she served as the Executive Officer for the 726th Finance Battalion in Afghanistan. During her tour of duty, Julie worked with the Central Bank of Afghanistan to help stabilize the Afghani currency, streamlined how the U.S. military worked with local vendors and contractors and liaised between the Afghan banking association, the U.S. military and Da Afghanistan Bank. She was awarded the Bronze Star Medal for her exceptional leadership and accomplishments toward the strategic mission in theater.
In her work with the Insignia Group, Julie applies the same commitment and courage as she did in the military. Julie works closely with clients to help navigate the market and economic environment in pursuit of their unique financial goals. Julie holds a BBA from the University of Massachusetts Amherst and a master's degree in Financial Planning from Bentley University, reflecting her deep commitment to providing prudent and thorough guidance in all areas of financial planning. In addition to being a good communicator and listener, she is well-organized, highly adept at building collaborative relationships, and prides herself on continuously updating her financial knowledge base to provide thoughtful strategies.
When she isn’t serving her clients, Julie enjoys hiking, skiing, gardening and spending time with her family. She also volunteers with her daughter’s Girl Scout troop and currently serves on her town’s Finance Committee. Julie lives in Holliston with her two children, Olivia and Sean.
Disclosures
2013-2023 Five Star Wealth Manager Award Source: fivestarprofessional.com (Awarded 2013-2023)The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Securities Agent: AL, NJ, VA, NH, MA, TX, NV, GA, DC, CO, WI, RI, DE, ME, PA, CT, CA, TN, NE, ND, MI, OR, VT, NY, NC, MT, AK, SC, KY, FL, AZ, OH, LA, IL, WA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282421
NMLS#: 1282421
About Christopher Tracy
Christopher Tracy is a Certified Financial Planner® and First Vice President with the Insignia Group at Morgan Stanley in Wellesley, Massachusetts. Chris has spent his entire career with Morgan Stanley, which he joined in 2008. He is deeply committed to providing holistic financial planning advice to affluent families seeking to simplify their often-complex financial lives.
Chris is passionate about helping his clients achieve their many investment goals within their desired time frame. He believes every good investment strategy starts with a financial plan to ensure that investment portfolios are intentionally aligned with each client’s unique goals and objectives. Chris utilizes his CERTIFIED FINANCIAL PLANNER™ designation to draw on his knowledge of relevant practice areas, his industry experience, and the resources of Morgan Stanley to deliver a first-class modern wealth management experience. Some of the most rewarding moments in his career have been helping clients navigate difficult financial decisions to realize successful outcomes.
In addition to working with families to accomplish their goals, Chris serves on the Insignia Group’s investment committee. Chris spearheads the team’s new product research, performing due diligence on investments for the team’s model portfolios and trading.
Chris earned his Bachelor of Science in Economics and Finance from Bentley University. He lives in Framingham with his lovely wife Kate, an oncology nurse at the Dana Farber Cancer Institute, and their two daughters. Chris most enjoys spending time with his family and his hobbies include playing hockey, golf, tennis and hiking the White Mountains of New Hampshire.
5 Star Wealth Manager by Boston Magazine in: 2023, 2024, and 2025
2023 -2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2023-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2023 Award - 05/23/2022 - 01/06/2023
2024 Award - 04/10/2023 - 10/31/2023
2025 Award - 04/10/2024 - 10/31/2024
Chris is passionate about helping his clients achieve their many investment goals within their desired time frame. He believes every good investment strategy starts with a financial plan to ensure that investment portfolios are intentionally aligned with each client’s unique goals and objectives. Chris utilizes his CERTIFIED FINANCIAL PLANNER™ designation to draw on his knowledge of relevant practice areas, his industry experience, and the resources of Morgan Stanley to deliver a first-class modern wealth management experience. Some of the most rewarding moments in his career have been helping clients navigate difficult financial decisions to realize successful outcomes.
In addition to working with families to accomplish their goals, Chris serves on the Insignia Group’s investment committee. Chris spearheads the team’s new product research, performing due diligence on investments for the team’s model portfolios and trading.
Chris earned his Bachelor of Science in Economics and Finance from Bentley University. He lives in Framingham with his lovely wife Kate, an oncology nurse at the Dana Farber Cancer Institute, and their two daughters. Chris most enjoys spending time with his family and his hobbies include playing hockey, golf, tennis and hiking the White Mountains of New Hampshire.
5 Star Wealth Manager by Boston Magazine in: 2023, 2024, and 2025
2023 -2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2023-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2023 Award - 05/23/2022 - 01/06/2023
2024 Award - 04/10/2023 - 10/31/2023
2025 Award - 04/10/2024 - 10/31/2024
Securities Agent: AL, WA, VT, NE, IL, FL, CT, MT, CA, VA, RI, ND, NC, KY, AK, WI, TN, NH, LA, GA, DC, TX, SC, NJ, MA, CO, AZ, DE, NV, OR, OH, NY, MI, ME, MD, PA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1384980
NMLS#: 1384980
About Eugene Clark
Eugene (Gene) H. Clark V is a CERTIFIED FINANCIAL PLANNER® (CFP®) and Financial Advisor at Morgan Stanley with more than 20 years of wealth management experience. He has been with the firm since 2007, and in 2019 he partnered with his father to form the Clark Group, which merged into The Insignia Group in 2024.
Gene helps individuals and families pursue their financial goals through comprehensive planning and investment advice, including retirement planning, portfolio management, insurance planning, education funding, and broader family wealth management. He takes time to understand each client’s full situation—both the numbers and the personal context—so he can build customized strategies, explain recommendations clearly, and stay engaged through regular check-ins and ongoing reviews.
Gene is part of a 10-person team that brings diverse perspectives to support a high-touch client experience. Before Morgan Stanley, he began his career at Merrill Lynch in 2006 and served in the Massachusetts and New Hampshire Air National Guard. He earned a B.A. in Economics (minor in Business Administration) from the University of New Hampshire, holds insurance licenses (Health, Variable, and Life), and speaks German.
Outside of work, Gene participates in charitable events including the Rodman Ride for Kids and the Run to Home Base. He lives in Cumberland, Rhode Island with his wife, Susan, their two sons, Henry and Alex, and their golden retriever, Lucy, He also enjoys running, mountain biking, swimming, and camping with his family.
Gene helps individuals and families pursue their financial goals through comprehensive planning and investment advice, including retirement planning, portfolio management, insurance planning, education funding, and broader family wealth management. He takes time to understand each client’s full situation—both the numbers and the personal context—so he can build customized strategies, explain recommendations clearly, and stay engaged through regular check-ins and ongoing reviews.
Gene is part of a 10-person team that brings diverse perspectives to support a high-touch client experience. Before Morgan Stanley, he began his career at Merrill Lynch in 2006 and served in the Massachusetts and New Hampshire Air National Guard. He earned a B.A. in Economics (minor in Business Administration) from the University of New Hampshire, holds insurance licenses (Health, Variable, and Life), and speaks German.
Outside of work, Gene participates in charitable events including the Rodman Ride for Kids and the Run to Home Base. He lives in Cumberland, Rhode Island with his wife, Susan, their two sons, Henry and Alex, and their golden retriever, Lucy, He also enjoys running, mountain biking, swimming, and camping with his family.
Securities Agent: VT, HI, FL, DE, CO, CA, TX, TN, CT, AZ, WI, NY, GA, MI, LA, SC, PA, NH, VA, AK, WA, RI, NV, NC, ME, MA, KY, NJ, NE, MT, IL, OH, DC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1913310
NMLS#: 1913310
About Janet McCormick
Janet joined Morgan Stanley in 2018 after 27 years at Fidelity Investments, including many years as a Portfolio Manager of $13 billion in multi-asset portfolios. As a CFA Charterholder since 2000, she leverages her extensive investment management knowledge to benefit her clients, providing calm, insightful, and compassionate guidance through the inevitable ups and downs of market cycles.
Having emigrated from South Korea as a teenager, Janet deeply understands the challenges and opportunities of navigating unfamiliar environments. Whether you are a divorcee or widower rebuilding your life, a retiree needing help with your pension or 401(k), a person of the sandwich generation planning for your children's inheritance and your own retirement, or someone seeking change, she will work with you to meet your unique needs.
Janet lives in Dover and contributes to her community as a member of her town's Warrant Committee and her alma maters' alumni boards. She studied Chemistry at University of California at Berkeley and received her MBA from Vanderbilt University. Janet has two children, Connor and Molly, and two German Shepherds. In her free time, she enjoys skiing, traveling, kayaking, and making wood-fired pizza with her partner, John.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Having emigrated from South Korea as a teenager, Janet deeply understands the challenges and opportunities of navigating unfamiliar environments. Whether you are a divorcee or widower rebuilding your life, a retiree needing help with your pension or 401(k), a person of the sandwich generation planning for your children's inheritance and your own retirement, or someone seeking change, she will work with you to meet your unique needs.
Janet lives in Dover and contributes to her community as a member of her town's Warrant Committee and her alma maters' alumni boards. She studied Chemistry at University of California at Berkeley and received her MBA from Vanderbilt University. Janet has two children, Connor and Molly, and two German Shepherds. In her free time, she enjoys skiing, traveling, kayaking, and making wood-fired pizza with her partner, John.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Securities Agent: NY, NV, LA, GA, WA, NE, WI, TX, KY, SC, MT, VA, OH, MA, CT, AK, CO, VT, PA, NJ, MI, ME, FL, DE, NH, NC, IL, TN, DC, CA, AZ, RI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1739957
NMLS#: 1739957
About Eugene H. Clark IV
Eugene H. Clark IV is a First Vice President and Financial Advisor at Morgan Stanley. He has over 35 years of experience in the financial services industry and has been with Morgan Stanley since 2007. Eugene and his son, Eugene (Gene) Clark V, have partnered to form the Clark Group to support a wide variety of clients in seeking to make their financial dreams become a reality. In order to broaden the resources available to their clients, the Clark Group merged with the Insignia Group in early 2024.
Eugene has always been intrigued by the markets and the economy, and enjoys working with people on a personal basis. In partnership with The Insignia Group, he strives to provide each client with a highly customized investment plan to help ensure they can both enjoy their wealth and remain financially independent for years to come. The team draws upon its broad knowledge and Morgan Stanley’s intellectual capital and vast resources to deliver solutions for a wide variety of needs.
Eugene looks at every individual as a unique person; each with different goals, risk tolerance, life style and values. His personal approach is tailored to help clients achieve and maintain their goals while taking minimal risk. His teamwork, discipline and skill-set, have helped build a successful practice driven by long standing, trusting relationships. He takes pride that many clients have worked with the team for decades, including families whom they have served for multiple generations.
Eugene received his Master of Business Administration in Quantitative Methods from Bucknell University and a Bachelor of Arts in Political Science from the University of Kentucky. He is a 15-year member of the Cumberland Beagle Club and speaks German fluently. Eugene is married and has 3 grown children and 5 young grandchildren. He is very proud to have his oldest son, Gene Clark, who has joined him in his practice to support their clients’ financial objectives for future generations.
Eugene has always been intrigued by the markets and the economy, and enjoys working with people on a personal basis. In partnership with The Insignia Group, he strives to provide each client with a highly customized investment plan to help ensure they can both enjoy their wealth and remain financially independent for years to come. The team draws upon its broad knowledge and Morgan Stanley’s intellectual capital and vast resources to deliver solutions for a wide variety of needs.
Eugene looks at every individual as a unique person; each with different goals, risk tolerance, life style and values. His personal approach is tailored to help clients achieve and maintain their goals while taking minimal risk. His teamwork, discipline and skill-set, have helped build a successful practice driven by long standing, trusting relationships. He takes pride that many clients have worked with the team for decades, including families whom they have served for multiple generations.
Eugene received his Master of Business Administration in Quantitative Methods from Bucknell University and a Bachelor of Arts in Political Science from the University of Kentucky. He is a 15-year member of the Cumberland Beagle Club and speaks German fluently. Eugene is married and has 3 grown children and 5 young grandchildren. He is very proud to have his oldest son, Gene Clark, who has joined him in his practice to support their clients’ financial objectives for future generations.
Securities Agent: TX, FL, NH, NY, NJ, RI, PA, NV, IL, LA, AZ, AK, TN, MI, ME, CO, SC, NC, CT, VT, OH, DE, CA, NE, KY, GA, DC, WA, WI, VA, MT, MA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 39660
NMLS#: 39660
About Dana Donovan
Dana leads the administrative responsibilities for the Insignia Group by coordinating with our operations team to facilitate the processing of account documents, cash transfers, and other essential tasks. Her attention to detail, organization, and communication results in a consistently positive experience for our team's clients. Dana joined the Insignia Group in 2019 with 14 years of finance and accounting experience.
Outside of the office, Dana enjoys spending time with her family and taking weekend trips to Wolfeboro, New Hampshire to her family’s lake house. Dana lives in Norwood, Massachusetts with her husband and son.
Outside of the office, Dana enjoys spending time with her family and taking weekend trips to Wolfeboro, New Hampshire to her family’s lake house. Dana lives in Norwood, Massachusetts with her husband and son.
About Diane Burke
Diane boasts over 25 years of industry experience. In her free time she enjoys gardening.
Exams: Series 7 and Series 66
Exams: Series 7 and Series 66
About Lauren Schoenberger
Lauren joined the team at Morgan Stanley in 2025 after spending over a decade in higher education in college athletics. Additionally, she brings 5 years of small business experience, supporting all areas of business operations for Seaworthy Coffee Roasters. Lauren is passionate about working collaboratively to help others achieve their goals.
Outside of the office, she enjoys hiking the trails in the White Mountains and catching live music.
Outside of the office, she enjoys hiking the trails in the White Mountains and catching live music.
About Michael Baur
Michael joined the team at Morgan Stanley in 2026 and is a Registered Client Service Associate after starting his career with Fidelity. He graduated from the University of Colorado with a degree in Information Science and a minor in business. Michael is passionate about helping others and having an impact on their goals as well as a strong interest in finance.
Outside of the office, he enjoys surfing and spending time with friends and family.
Outside of the office, he enjoys surfing and spending time with friends and family.
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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
Adam Steinbuch
Financial Planning Associate
Todd Vogel
Private Banker
Richard Land
Private Banker
About Adam Steinbuch
Adam Steinbuch is a Financial 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. Adam 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 master’s degree from the University of Albany and received the Financial Planning Specialist® designation from the College for Financial Planning. Adam is originally from and currently resides in Croton on Hudson, NY.
He earned his master’s degree from the University of Albany and received the Financial Planning Specialist® designation from the College for Financial Planning. Adam is originally from and currently resides in Croton on Hudson, NY.
About Todd Vogel
Todd Vogel is a Private Banker serving Morgan Stanley Wealth Management offices in Massachusetts.
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.
Todd began his career in financial services in 1997, and joined Morgan Stanley in 2016. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch.
Todd is a graduate of Bates College, where he received a Bachelor of Arts in Political Science, and Clark University, where he received his Master of Business Administration. He lives in Newton, MA with his family. Outside of the office, Todd enjoys coaching for the Newton Boys and Girls Soccer Clubs.
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.
Todd began his career in financial services in 1997, and joined Morgan Stanley in 2016. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch.
Todd is a graduate of Bates College, where he received a Bachelor of Arts in Political Science, and Clark University, where he received his Master of Business Administration. He lives in Newton, MA with his family. Outside of the office, Todd enjoys coaching for the Newton Boys and Girls Soccer Clubs.
NMLS#: 1150893
About Richard Land
Richard D. Land is a Private Banker serving Morgan Stanley Wealth Management offices in Massachusetts and Connecticut.
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.
Richard began his career in financial services in 2004 and joined Morgan Stanley in 2019 as an Associate Private Banker. He was promoted to Private Banker in 2022. Prior to joining Morgan Stanley, Richard was a Managing Director at Fieldpoint Private Bank and Trust. He also served as an Ultra High Net Worth Associate Private Banker at Citi Private Bank. Richard was a Business Banking Officer, and Personal Banker at Citibank N.A.
Richard is a graduate of Saint Michael’s College, where he received a Bachelor of Arts in Political Science with a concentration in Economics. He lives in Windham, New Hampshire with his family. Outside the office, Richard enjoys staying active outdoors, fishing, snowboarding, camping, hunting, and traveling.
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.
Richard began his career in financial services in 2004 and joined Morgan Stanley in 2019 as an Associate Private Banker. He was promoted to Private Banker in 2022. Prior to joining Morgan Stanley, Richard was a Managing Director at Fieldpoint Private Bank and Trust. He also served as an Ultra High Net Worth Associate Private Banker at Citi Private Bank. Richard was a Business Banking Officer, and Personal Banker at Citibank N.A.
Richard is a graduate of Saint Michael’s College, where he received a Bachelor of Arts in Political Science with a concentration in Economics. He lives in Windham, New Hampshire with his family. Outside the office, Richard enjoys staying active outdoors, fishing, snowboarding, camping, hunting, and traveling.
NMLS#: 722158
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
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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
Iran Conflict: Seven Takeaways for Investors
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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 The Insignia Group 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 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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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 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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
