David T Surofchek, CIMA®
Managing Director, Wealth Management, Financial Advisor, Executive Financial Services Director, Alternative Investments Director, Family Wealth Director
Phone:
(719) 577-6308(719) 577-6308
Contigo Wealth Management Group at Morgan Stanley
David T Surofchek, CIMA®Jason Chao, CFP®, CIMA®Scott Martin, CRPS®Jorge Rodriguez, CIMA®, CFSAnn Ries, CFP®, CRPS®, CDFA®Grace Lobato, CRPS®Stella Esparza, CFP®
Direct:
(719) 577-6305(719) 577-6305
Industry Award WinnerOur Mission Statement
Contigo is our commitment to walk alongside clients through every stage of their financial lives—serving as a steady, trusted partner who brings thoughtful guidance, clear advice, and a consistent presence as we navigate opportunities and challenges together, aligned with you at every step.
Our Story
At Contigo Wealth Management Group at Morgan Stanley, our name reflects our philosophy. Contigo is a Spanish word meaning "with you," and it defines how we partner with individuals and families who have achieved meaningful professional and financial success. As wealth grows, so do its complexities—and navigating those decisions alone can become increasingly time consuming and overwhelming. Our clients are often on a journey shaped by important transitions: from career growth to retirement, from wealth accumulation to thoughtful distribution, and from managing finances independently to working with a dedicated advisory team.
Clients who choose Contigo Wealth Management Group want the freedom to focus on what matters most in their lives today—family, purpose, and community—while knowing they have advisors with them to help manage the complexities of their financial household. They seek a relationship grounded in presence, partnership, and continuity, with a team that remains closely aligned through every stage of life.
Our approach begins with you. We take the time to understand what is meaningful in your life and use that foundation to develop strategies aligned with your goals, values, and long-term vision. Because complex financial lives benefit from multiple perspectives, you gain access to a team of professionals who bring a breadth of experience and insight, allowing us to deliver thoughtful, objective, and practical solutions—always with your best interests at the center.
The process starts with an in-depth conversation that goes well beyond investments. It leads to a personalized plan designed to help manage financial risk, protect, and transition wealth, and support the people and causes that matter most to you. Contigo is our commitment to walk alongside you—listening closely, standing present, and moving forward together, every step of the way.
Services Include
- Wealth ManagementFootnote1
- Asset Management
- Executive Benefit ServicesFootnote2
- Financial PlanningFootnote3
- Retirement PlanningFootnote4
- 401(k) Rollovers
- 529 PlansFootnote5
- Alternative InvestmentsFootnote6
- Cash ManagementFootnote7
- Estate Planning StrategiesFootnote8
- Lending Products
- Stock Option PlansFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Designations & Awards
At Contigo Wealth Management Group at Morgan Stanley, our work is grounded in continuous learning, professional excellence, and advice designed to grow and adapt with our clients over time. The awards and professional designations featured here reflect that dedication.
Each recognition reflects advanced training, specialized knowledge, and a commitment to maintaining high standards across financial planning, portfolio construction, family wealth strategies, and client service. More than credentials, they demonstrate the care, discipline, and responsibility we bring to every client relationship.
For our clients, this translates to working with a team that remains engaged, informed, and thoughtful in its approach. It means your financial strategy benefits from multiple perspectives, ongoing education, and a shared focus on making sound decisions—both now and for the future.
Click through the images to explore each award and designation, and learn how they contribute to the way we serve you.
Each recognition reflects advanced training, specialized knowledge, and a commitment to maintaining high standards across financial planning, portfolio construction, family wealth strategies, and client service. More than credentials, they demonstrate the care, discipline, and responsibility we bring to every client relationship.
For our clients, this translates to working with a team that remains engaged, informed, and thoughtful in its approach. It means your financial strategy benefits from multiple perspectives, ongoing education, and a shared focus on making sound decisions—both now and for the future.
Click through the images to explore each award and designation, and learn how they contribute to the way we serve you.
Digital Tools
Our comprehensive suite of digital tools are designed to help enhance most aspects of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Learn More About Total Wealth ViewThe ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Cash Plus
The Morgan Stanley CashPlus Brokerage Account can be an excellent tool for your cash management needs. This is a great modern alternative to banking, providing more value and more protection. You can set up bill pay, make deposits, and protect your identity with just a few clicks. Click the link below to learn more.
Learn More About Cash Plus
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology to help reach your financial goals.
Learn About Our Planning ToolsEquity compensation can be powerful — and complicated.
When managed thoughtfully, equity compensation can be one of the most impactful parts of your financial picture. But vesting schedules, tax implications, and concentrated stock positions can also create uncertainty and missed opportunities.
Our team works with professionals who receive equity compensation to help them understand what they have, make informed decisions, and integrate their workplace benefits into a broader financial strategy that supports both short-term priorities and long-term goals.
Our team works with professionals who receive equity compensation to help them understand what they have, make informed decisions, and integrate their workplace benefits into a broader financial strategy that supports both short-term priorities and long-term goals.
A Thoughtful, Integrated Approach
Our team has received specialized training to support company-specific equity compensation plans and works closely with clients to ensure their workplace benefits are aligned with their long-term financial strategy.
Equity compensation is often one of the most complex — and personal — components of financial planning. Our role is to help bring clarity, structure, and perspective to each decision along the way.
If you’d like to better understand your equity compensation — or want help making sense of upcoming vesting, exercise, or sale decisions — we’d be happy to start the conversation.
Schedule a conversation to talk through your equity compensation and how it fits into your overall financial plan.
Equity compensation is often one of the most complex — and personal — components of financial planning. Our role is to help bring clarity, structure, and perspective to each decision along the way.
If you’d like to better understand your equity compensation — or want help making sense of upcoming vesting, exercise, or sale decisions — we’d be happy to start the conversation.
Schedule a conversation to talk through your equity compensation and how it fits into your overall financial plan.
Location
121 South Tejon St
Suite 700
Colorado Springs, CO 80903
US
Direct:
(719) 577-6305(719) 577-6305
Meet Contigo Wealth Management Group
Executive Director, Wealth Management, Financial Advisor, Family Wealth Director, Executive Financial Services Director, Alternative Investments Director, Insurance Planning Director, Senior Portfolio Management Director
Phone:
(719) 577-6310(719) 577-6310
Scott Martin, CRPS®
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director, Lending Specialist
Phone:
(719) 577-6342(719) 577-6342
Ann Ries, CFP®, CRPS®, CDFA®
Senior Vice President, Wealth Management, Financial Advisor, Lending Specialist
Phone:
(719) 577-6333(719) 577-6333
Jorge Rodriguez, CIMA®, CFS
First Vice President, Wealth Management, Financial Advisor, Executive Financial Services Director, Workplace Advisor - Equity Compensation, Financial Planning Specialist, Alternative Investments Director
Phone:
(719) 577-6318(719) 577-6318
Grace Lobato, CRPS®
Financial Advisor
Phone:
(719) 577-6307(719) 577-6307
Phone:
(719) 577-6320(719) 577-6320
Jeff Jonasen
Assistant Vice President, Business Development Director
Phone:
(719) 577-6386(719) 577-6386
Lanelle Morin
Group Director
Phone:
(719) 475-3617(719) 475-3617
Evan Kay, CIMA®
Investment Consultant
Phone:
(719) 577-6382(719) 577-6382
Arthur Marsden
Registered Client Service Associate
Phone:
(719) 577-6352(719) 577-6352
Riley Schwartzkopf
Registered Client Service Associate
Phone:
(719) 577-6348(719) 577-6348
Keaton Campbell
Wealth Management Analyst
Phone:
(719) 577-6344(719) 577-6344
Terrell Parker
Registered Client Service Associate
Phone:
(719) 577-6316(719) 577-6316
About David T Surofchek
David Surofchek started his tenure at Morgan Stanley in 2000. David earned his Bachelor's degree in Accounting from Ferris State University in Big Rapids, Michigan. David has a strong focus in Financial Planning, Alternatives Investments, and Working with Corporate Executives. He was named one of Forbes Best-in-State Wealth Advisors in 2019, 2020, 2021 and 2022, and was named to Barron's Top 1,200 Advisors list in 2021 and 2022.
David has 26 years of experience in the financial services industry. He is a Managing Director in Wealth Management, a Financial Advisor, an Executive Financial Services Director, and an Alternative Investments Director. His responsibilities include building deep relationships with his executive clients, who work for Fortune 100 companies. David focuses on his experience with high level executives - and is highly adept at building relationships and maintaining trust.
At his time at Ferris State University, David was a decorated collegiate wrestler, earning All-American honors all 4 years of eligibility and finishing as a national runner-up his senior year. After college competition he lived at the Olympic training center for seven years whilst training for the Greco Roman Olympic team, and was named as an alternate for the 1996 and 2000 USA Olympic Greco Roman wrestling teams. David has continued his involvement with the USA Wrestling organization in different capacities over the years, including his involvement as a coach, volunteer, and as a donor. David and his wife now dedicate their time to their three sons, in helping them excel in their academic and athletic pursuits.
David has 26 years of experience in the financial services industry. He is a Managing Director in Wealth Management, a Financial Advisor, an Executive Financial Services Director, and an Alternative Investments Director. His responsibilities include building deep relationships with his executive clients, who work for Fortune 100 companies. David focuses on his experience with high level executives - and is highly adept at building relationships and maintaining trust.
At his time at Ferris State University, David was a decorated collegiate wrestler, earning All-American honors all 4 years of eligibility and finishing as a national runner-up his senior year. After college competition he lived at the Olympic training center for seven years whilst training for the Greco Roman Olympic team, and was named as an alternate for the 1996 and 2000 USA Olympic Greco Roman wrestling teams. David has continued his involvement with the USA Wrestling organization in different capacities over the years, including his involvement as a coach, volunteer, and as a donor. David and his wife now dedicate their time to their three sons, in helping them excel in their academic and athletic pursuits.
Securities Agent: WI, VA, SC, IL, NJ, ND, NC, MI, MD, KY, WY, SD, OK, NY, CT, AR, UT, TX, OR, NM, MS, ME, AL, MT, LA, HI, CO, VT, NV, NE, MO, MN, MA, ID, CA, IA, DE, DC, AZ, OH, KS, GA, WA, PA, IN, FL, TN, NH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1339257
CA Insurance License #: 0D45755
NMLS#: 1339257
CA Insurance License #: 0D45755
About Jason Chao
Jason Chao began his investment career in 2005. As a Financial Advisor, Executive Financial Services Director, and Portfolio director, his primary responsibilities include financial planning with corporate executives, working with concentrated stock positions, and 10b5-1 plans.
Jason is a Certified Financial Planner™ and has earned the Certified Investment Management Analyst® certification from the Yale School of Management. He holds the Family Wealth Director and Executive Financial Services Director designations and is a Senior Vice President. Jason joined less than 4% of Morgan Stanley Financial Advisors who have completed the firm’s rigorous Family Wealth Director program as of December 2022. Catered to the needs of ultra-high net worth clients, this designation allows Jason and his team specialized access to the firm’s Family Office Resources. With 18 years of industry experience, Jason focuses on working with senior level management and executives, as well as equity compensation and executive benefits. With his in depth knowledge and understanding of the distinctive planning complexities when it comes to the various forms of executive compensations, Jason and his team strive to work with your family to safely assist your journey from successful career to an impactful retirement and seeking to secure your legacy for future generations.
Jason earned his Bachelor's degree in English and Writing from Southern Oregon University, and his MBA in Finance and Management from the University of Colorado at Colorado Springs. While at the Southern Oregon University, Jason was a member of the wrestling team where he received Academic All-American honors. Prior to his career in the financial industry, Jason was an athlete at the Olympic Training Center, where he competed in the sport of Greco-Roman wrestling. He was a participant in the 2004 US Olympic Team Trials in Greco-Roman Wrestling. Jason remains active in the sport of wrestling by coaching local youth and high school teams. In his spare time, Jason is an avid scuba diver and mountain biker.
Disclaimer:
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Jason is a Certified Financial Planner™ and has earned the Certified Investment Management Analyst® certification from the Yale School of Management. He holds the Family Wealth Director and Executive Financial Services Director designations and is a Senior Vice President. Jason joined less than 4% of Morgan Stanley Financial Advisors who have completed the firm’s rigorous Family Wealth Director program as of December 2022. Catered to the needs of ultra-high net worth clients, this designation allows Jason and his team specialized access to the firm’s Family Office Resources. With 18 years of industry experience, Jason focuses on working with senior level management and executives, as well as equity compensation and executive benefits. With his in depth knowledge and understanding of the distinctive planning complexities when it comes to the various forms of executive compensations, Jason and his team strive to work with your family to safely assist your journey from successful career to an impactful retirement and seeking to secure your legacy for future generations.
Jason earned his Bachelor's degree in English and Writing from Southern Oregon University, and his MBA in Finance and Management from the University of Colorado at Colorado Springs. While at the Southern Oregon University, Jason was a member of the wrestling team where he received Academic All-American honors. Prior to his career in the financial industry, Jason was an athlete at the Olympic Training Center, where he competed in the sport of Greco-Roman wrestling. He was a participant in the 2004 US Olympic Team Trials in Greco-Roman Wrestling. Jason remains active in the sport of wrestling by coaching local youth and high school teams. In his spare time, Jason is an avid scuba diver and mountain biker.
Disclaimer:
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Securities Agent: NH, DE, WY, WA, VT, VA, UT, TX, TN, SD, PA, OR, OK, OH, NY, NV, NM, NJ, NE, ND, NC, SC, MT, MS, MO, MN, MI, ME, MD, WI, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DC, CT, CO, CA, AZ, AR, AL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1261831
CA Insurance License #: 0I37653
NMLS#: 1261831
CA Insurance License #: 0I37653
About Scott Martin
Scott started in the financial industry in 1999 and holds the Chartered Retirement Plans Specialist professional designation. He resides in Colorado Springs with his wife Corina and their two children. He is an avid outdoors man and enjoys hiking, biking and camping with his family. Scott is originally from Wisconsin where swam competitively for the University of Wisconsin - Whitewater.
Securities Agent: IL, NE, IN, CT, CA, SD, OR, MO, AL, WA, OK, CO, VT, TX, TN, MS, UT, MN, WY, MD, ND, NC, OH, WI, MA, NY, KY, NM, ID, HI, IA, KS, FL, MT, GA, AR, SC, PA, NJ, NV, LA, ME, MI, AZ, VA, DC, NH, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 1312629
CA Insurance License #: 0I96057
NMLS#: 1312629
CA Insurance License #: 0I96057
About Ann Ries
Drawing upon her extensive experience in organizational and management roles, Ann offers a comprehensive range of financial services to her clients. Her primary focus encompasses investment planning, comprehensive financial planning, and assisting clients in achieving their short- and long-term financial objectives.
Ann embarked on her career journey with Morgan Stanley in 2005. Throughout that time, she has attained the CFP® (Certified Financial Planner) designation from the Certified Financial Planning Board in 2014, followed by the CRPS® (Certified Retirement Planning Specialist) designation from the College of Financial Planning in 2018. Additionally, Ann earned her CDFA (Certified Divorce Financial Analyst) designation from the Institute for Divorce Financial Analysts, further enriching her skillset.
Within Morgan Stanley's Wealth Management Division, Ann holds the position of Vice President and serves as a dedicated Financial Advisor. Her leadership extends beyond her professional role as she served as the Past-President of the Colorado Springs Estate Planning Council. Furthermore, she holds a National Security Advisor Certificate. Ann's educational foundation is built upon a B.S. degree in accounting, which she earned from the National American University in 1999. Complementing her bachelor's degree, she also holds an Associate of Applied Science degree.
Ann has been a resident of Colorado Springs since 1984. She finds joy in outdoor activities and treasures quality time spent with family and friends. Committed to community service, she regularly volunteers with Care and Share, contributing to charitable causes and will be a Board member for the “Colorado Springs Nursery Centers Foundation Board” starting in January of 2024.
Ann embarked on her career journey with Morgan Stanley in 2005. Throughout that time, she has attained the CFP® (Certified Financial Planner) designation from the Certified Financial Planning Board in 2014, followed by the CRPS® (Certified Retirement Planning Specialist) designation from the College of Financial Planning in 2018. Additionally, Ann earned her CDFA (Certified Divorce Financial Analyst) designation from the Institute for Divorce Financial Analysts, further enriching her skillset.
Within Morgan Stanley's Wealth Management Division, Ann holds the position of Vice President and serves as a dedicated Financial Advisor. Her leadership extends beyond her professional role as she served as the Past-President of the Colorado Springs Estate Planning Council. Furthermore, she holds a National Security Advisor Certificate. Ann's educational foundation is built upon a B.S. degree in accounting, which she earned from the National American University in 1999. Complementing her bachelor's degree, she also holds an Associate of Applied Science degree.
Ann has been a resident of Colorado Springs since 1984. She finds joy in outdoor activities and treasures quality time spent with family and friends. Committed to community service, she regularly volunteers with Care and Share, contributing to charitable causes and will be a Board member for the “Colorado Springs Nursery Centers Foundation Board” starting in January of 2024.
Securities Agent: NE, NC, AR, WA, OR, NM, MN, ME, KS, ID, IA, OH, NH, CT, AZ, WI, UT, MI, HI, CO, CA, WY, OK, ND, FL, DE, SD, NY, KY, DC, TX, MO, MA, GA, AL, VA, SC, PA, LA, IL, NV, MD, TN, NJ, MT, MS, IN, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 1587181
CA Insurance License #: 4154829
AR Insurance License #: 6632018
NMLS#: 1587181
CA Insurance License #: 4154829
AR Insurance License #: 6632018
About Jorge Rodriguez
Jorge joined the team in 2012. He has held several positions within the team and currently focuses on assisting the advisors with financial planning, portfolio management, and client relationship management. Jorge holds a BS degree in Finance from the University of Colorado. In addition, he has completed the Accredited Portfolio Management Advisor course through the College for Financial Planning.
Jorge is an avid soccer fan and enjoys traveling in his spare time.
Jorge is an avid soccer fan and enjoys traveling in his spare time.
Securities Agent: AZ, SD, MT, FL, VT, OR, NM, NE, ND, MS, MN, ME, KS, IA, HI, DC, NC, KY, GA, CO, TX, CA, TN, PA, IN, IL, DE, CT, AL, WI, NY, MI, OK, OH, NJ, NH, ID, AR, WA, SC, MO, MA, LA, WY, VA, MD, UT, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1655526
CA Insurance License #: #0M57061
NMLS#: 1655526
CA Insurance License #: #0M57061
About Grace Lobato
Grace is a passionate and client-focused Financial Advisor at Morgan Stanley with six years of experience helping individuals and families plan for what matters most—today and for generations to come. She brings a fresh perspective to wealth management, with a strong emphasis on next-generation planning and a deep commitment to building and maintaining meaningful client relationships.
Grace holds a Bachelor of Science in Marketing and a Master of Business Administration from Colorado State University–Pueblo. She also holds the Chartered Retirement Plans Specialist℠ (CRPS®) designation and is a designated professional in Equity Compensation. Her approach is grounded in strategy, transparency, and care—developing tailored plans that reflect each client’s unique goals and values.
Outside the office, Grace enjoys staying active, exploring the outdoors, and spending quality time with her family and friends.
Grace holds a Bachelor of Science in Marketing and a Master of Business Administration from Colorado State University–Pueblo. She also holds the Chartered Retirement Plans Specialist℠ (CRPS®) designation and is a designated professional in Equity Compensation. Her approach is grounded in strategy, transparency, and care—developing tailored plans that reflect each client’s unique goals and values.
Outside the office, Grace enjoys staying active, exploring the outdoors, and spending quality time with her family and friends.
Securities Agent: WA, HI, WY, WI, WV, RI, LA, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 2318732
NMLS#: 2318732
About Stella Esparza
Stella has been an advisor at Morgan Stanley since the November 2024. She began her career with the firm in July 2021 as a Registered Client Service Associate. However, she has been working with the Contigo Wealth Management Group since 2018, which she was a Summer Intern in the summer of 2018 and 2019.
In May 2021, Stella graduated Summa Cum Laude from the University of Colorado Denver with degrees in Finance, Accounting and Financial Management. During her time at CU Denver, she was a part of many community outreach programs, including being a mentor for scholarship recipients. She believes that opportunity shaped her into the woman she is today, and she hopes to continue to help people in the future.
In 2024 she earned the CERTIFIED FINANCIAL PLANNER® designation, which she would describe as one of the most rewarding certifications of her career thus far.
In her free time, Stella loves to hang out with her family and their three Yorkie puppies. She likes to say that having three sisters’ means that her life is never boring. When not with her family, she is usually trying to find the next restaurant to try or reading a novel at home
In May 2021, Stella graduated Summa Cum Laude from the University of Colorado Denver with degrees in Finance, Accounting and Financial Management. During her time at CU Denver, she was a part of many community outreach programs, including being a mentor for scholarship recipients. She believes that opportunity shaped her into the woman she is today, and she hopes to continue to help people in the future.
In 2024 she earned the CERTIFIED FINANCIAL PLANNER® designation, which she would describe as one of the most rewarding certifications of her career thus far.
In her free time, Stella loves to hang out with her family and their three Yorkie puppies. She likes to say that having three sisters’ means that her life is never boring. When not with her family, she is usually trying to find the next restaurant to try or reading a novel at home
Securities Agent: OH, WI, SC, PA, NH, DE, SD, NY, NE, LA, KY, MD, KS, AL, CO, ME, IA, ND, ID, DC, CA, VA, TX, NM, WY, VT, IL, FL, AZ, TN, IN, HI, GA, AR, OK, NJ, MS, MN, MA, CT, WA, UT, OR, NV, NC, MT, MO, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 2667078
NMLS#: 2667078
About Jeff Jonasen
Jeff Jonasen has worked in the financial services industry since 2005. The early years of his career were spent supporting retirement plan participants with their 401k needs at T. Rowe Price. In 2008, Jeff joined Charles Schwab where he worked in variety of capacities, leading multiple business units. During his professional career Jeff has led multiple teams of financial services professionals in supporting corporate clients and plan participants with their financial wellness needs.
Jeff has a bachelor’s degree in Business Administration from Colorado Mesa University, and holds his FINRA Series 6, 7, 63, 66, 9 & 10 securities licenses.
In his spare time, you will find Jeff making memories with his wife Shelly and two boys Ryker and Weston. They enjoy spending their family time in the mountains fly fishing, biking, hiking, and snowboarding.
Jeff has a bachelor’s degree in Business Administration from Colorado Mesa University, and holds his FINRA Series 6, 7, 63, 66, 9 & 10 securities licenses.
In his spare time, you will find Jeff making memories with his wife Shelly and two boys Ryker and Weston. They enjoy spending their family time in the mountains fly fishing, biking, hiking, and snowboarding.
About Lanelle Morin
With more than 21 years of industry experience, Lanelle is dedicated to operational excellence and a client-first approach grounded in care, responsiveness, and attention to detail. As the team’s Service Lead, she focuses on delivering exceptional support across all administrative and service needs, including coordinating team activities, helping develop and implement client strategies, and ensuring a seamless client experience. Known for her trustworthiness and reliability, she values long-term relationships and takes pride in helping clients navigate financial decisions through every stage of life, serving as the team’s “concierge” for exceptional service.
Outside of work, Lanelle is a proud mom to a son who serves as a firefighter in the United States Air Force. She and her husband, Pete, live in Colorado Springs with their two dogs. In her free time, she enjoys reading, hiking, camping, and relaxing at the lake.
Outside of work, Lanelle is a proud mom to a son who serves as a firefighter in the United States Air Force. She and her husband, Pete, live in Colorado Springs with their two dogs. In her free time, she enjoys reading, hiking, camping, and relaxing at the lake.
About Evan Kay
Evan began working at Morgan Stanley in September 2022 as a Client Service Associate. Evan spent the previous two years working as a tax preparer for Nelson & Company in Colorado Springs straight out of college.
Evan graduated from Colorado State University in 2018, receiving a dual degree in Accounting and Corporate Finance. While there, he was a member in clubs of both Accounting and Finance, and excelled (or tried) in every intramural sport available. He then returned in 2019 to complete his Masters in Accountancy with a concentration in taxation.
Evan is a licensed, non-practicing CPA who wishes to use this dedicated knowledge to help the team in any aspect. When Evan is not working or studying for his next exam, you can find him watching his favorite sports teams or on the golf course.
Evan graduated from Colorado State University in 2018, receiving a dual degree in Accounting and Corporate Finance. While there, he was a member in clubs of both Accounting and Finance, and excelled (or tried) in every intramural sport available. He then returned in 2019 to complete his Masters in Accountancy with a concentration in taxation.
Evan is a licensed, non-practicing CPA who wishes to use this dedicated knowledge to help the team in any aspect. When Evan is not working or studying for his next exam, you can find him watching his favorite sports teams or on the golf course.
About Arthur Marsden
Arthur is a former college football player whose work ethic and team first mentality continues to guide him. Outside work, Arthur is a music enthusiast and plays the electric guitar. Originally from Atlanta, Arthur made the move to Colorado Springs to join the team.
About Riley Schwartzkopf
Riley began her journey with the team as a Summer Analyst in 2024 and officially joined full-time as a Client Service Associate after graduating magna cum laude from the University of Oklahoma with a bachelor’s degree in finance. In her role as a Client Service Associate, Riley is committed to delivering excellent service and building lasting relationships with clients by providing exceptional support every step of the way.
Outside of work, Riley passionately supports nonprofit organizations seeking opportunities to give back. In her spare time, chances are you’ll find Riley on a hike, camping, proudly cheering on her alma mater in every sport, or buried in a good book.
Outside of work, Riley passionately supports nonprofit organizations seeking opportunities to give back. In her spare time, chances are you’ll find Riley on a hike, camping, proudly cheering on her alma mater in every sport, or buried in a good book.
About Keaton Campbell
Keaton Campbell joins the team as a Wealth Management Analyst, supporting our planning and investment process through research, analysis, and thoughtful preparation. Keaton comes from a background of active trading, derivatives, and helping clients navigate mercurial markets. Keaton’s work helps ensure decisions are informed, coordinated, and aligned with each client’s broader goals.
About Terrell Parker
Terrell Parker joins us as a Registered Client Service Associate, bringing a strong focus on organization, responsiveness, and day-to-day client support. Terrell plays a key role in keeping things running smoothly behind the scenes so our clients experience consistency and care at every touchpoint.
Contact David T Surofchek
Contact Jason Chao
Contact Scott Martin
Contact Ann Ries
Contact Jorge Rodriguez
Contact Grace Lobato
Contact Stella Esparza
Awards and Recognition
Forbes Best-In-State Wealth Advisors
Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded Jan 2020) Data compiled by SHOOK Research LLC based on time period from 6/30/18 - 6/30/19.
Forbes Best-In-State Wealth Advisors
Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded Feb 2021) Data compiled by SHOOK Research LLC based on time period from 6/30/19 - 6/30/20.
Forbes Best-In-State Wealth Advisors
Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Forbes Best-In-State Wealth Advisors
Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC for the period from 6/30/21 - 6/30/22.
Forbes Best-In-State Wealth Advisors
Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC for the period 6/30/22 - 6/30/23
Forbes Best-In-State Wealth Advisors
Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24.
Barron's Top 1,200 Financial Advisors: State-by-State
Barron's Top 1,200 Financial Advisors: State-by-State Source: barrons.com (Awarded Mar 2021) Data compiled by Barron's based on time period from Sept 2019- Sept 2020.
Barron's Top 1,200 Financial Advisors: State-by-State
Barron's Top 1,200 Financial Advisors: State-by-State Source: barrons.com (Awarded Mar 2022) Data compiled by Barron's based on time period from Sept 2020 - Sept 2021.
Barron's Top 1,200 Financial Advisors: State-by-State
Barron's Top 1,200 Financial Advisors: State-by-State Source: barrons.com (Awarded Mar 2024) Data compiled by Barron's for the period Oct 2022-Sept 2023.
Barron's Top 1,200 Financial Advisors: State-by-State
Barron's Top 1,200 Financial Advisors: State-by-State Source: barrons.com (Awarded Mar 2025) Data compiled by Barron's for the period Oct 2023-Sept 2024.
Forbes Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Forbes Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23.
Forbes Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
13
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
Fred Frillman
Private Banker
Mark T Curtis
Managing Director, Stock Plan Director, Financial Planning Specialist, Family Wealth Director, International Client Advisor, Investing with Impact Director
About Fred Frillman
Fred Frillman is a Private Banker serving Morgan Stanley Wealth Management offices in Colorado, Utah, and Wyoming.
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.
Fred began his career in financial services in 1995 and joined Morgan Stanley in 2022 as a Private Banker. Prior to joining the firm, he was a Sr. Wealth Management Lending Officer at Bank of America/Merrill Lynch.
Fred is a graduate of the University of Missouri – St. Louis, where he received a Bachelor of Science in Business Administration. He lives in Colorado Springs, Colorado with his family. Outside of the office, Fred enjoys trail running, mountain climbing, skiing, and playing golf. He has completed the Pikes Peak Ascent & Marathon races a combined 7 times. In November of 2023, Fred completed the NYC Marathon as part of the Morgan Stanley & Friends Team that raises funds each year for the American Cancer Society.
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.
Fred began his career in financial services in 1995 and joined Morgan Stanley in 2022 as a Private Banker. Prior to joining the firm, he was a Sr. Wealth Management Lending Officer at Bank of America/Merrill Lynch.
Fred is a graduate of the University of Missouri – St. Louis, where he received a Bachelor of Science in Business Administration. He lives in Colorado Springs, Colorado with his family. Outside of the office, Fred enjoys trail running, mountain climbing, skiing, and playing golf. He has completed the Pikes Peak Ascent & Marathon races a combined 7 times. In November of 2023, Fred completed the NYC Marathon as part of the Morgan Stanley & Friends Team that raises funds each year for the American Cancer Society.
NMLS#: 792152
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
Morgan Stanley Wealth Management Financial Advisors can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
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
Morgan Stanley Wealth Management Financial Advisors can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Wealth Management
Global Investment Office
Portfolio Insights
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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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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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 Contigo Wealth Management 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan 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.
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.
5Investors 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.
6Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
7Morgan 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
8Morgan 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan 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.
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.
5Investors 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.
6Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
7Morgan 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
8Morgan 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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)
