Phone:
(518) 742-2071(518) 742-2071
Costello-Baitinger Group at Morgan Stanley
Direct:
(518) 793-4181(518) 793-4181
Our Mission Statement
Helping our clients meet their life goals is at the forefront of our practice. Our team is built with experience, intellectual capital, and dedicated personal service.
Our Story and Services
The Costello Baitinger Group at Morgan Stanley officially formed in June of 2023. Jacob, Matt, and Ed have combined decades worth of industry experience, and are dedicated to providing their clients with exceptional services.
As your Financial Advisors, The Costello Baitinger Group can help you define your goals and strive to meet them. Working together, they want to help you preserve and grow your wealth -- putting you and your family's objectives first. You will have access to some of the world's most seasoned and respected investment professionals, a premier trading and execution platform, and a full spectrum of investment choices.
As your Financial Advisors, The Costello Baitinger Group can help you define your goals and strive to meet them. Working together, they want to help you preserve and grow your wealth -- putting you and your family's objectives first. You will have access to some of the world's most seasoned and respected investment professionals, a premier trading and execution platform, and a full spectrum of investment choices.
Services Include
- AnnuitiesFootnote1
- Alternative InvestmentsFootnote2
- 529 PlansFootnote3
- Cash ManagementFootnote4
- Corporate Retirement PlansFootnote5
- Financial PlanningFootnote6
- Life InsuranceFootnote7
- Long-term Care InsuranceFootnote8
- Retirement PlanningFootnote9
- Trust ServicesFootnote10
- Wealth PlanningFootnote11
- Wealth ManagementFootnote12
- 401(k) Rollovers
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Location
86 Glen Street 3rd
Fl
Glens Falls, NY 12801
US
Direct:
(518) 793-4181(518) 793-4181
Meet Costello-Baitinger Group
Financial Advisor, Senior Portfolio Manager, Associate Vice President
Phone:
(518) 742-2081(518) 742-2081
Phone:
(518) 742-2065(518) 742-2065
Christopher Coppola
Registered Client Service Associate
Phone:
(845) 485-2806(845) 485-2806
About Edward Costello
A Financial Advisor with 30 years of experience, Edward Costello is committed to helping guide clients through difficult financial matters to make informed decisions about retirement. Ed believes that honesty and focusing on the facts are of utmost importance when working with clients, and he sees these principles as foundational to any successful investment strategy or financial plan.
Ed began his career in financial services as a Commercial Loan Officer at National Westminster Bank, where he was responsible for helping find credit solutions for small and medium-sized businesses. Working in this capacity instilled in Ed the importance of understanding the complete financial picture of companies, from their revenue and income, to their assets and liabilities, to their cash flows. This knowledge would become invaluable as he transitioned to financial advisory in 1995 at Merrill Lynch, where he would have to understand not only the financial position of companies to invest in, but also the specific financial situation of each client that he served. Ed has continued to rely on these skills after joining Morgan Stanley in 2010 and considers them to be at the core of any recommendation that he makes to clients.
Ed believes education to be a lifelong pursuit that he is committed to. He is a 1990 graduate of Baruch College with a Bachelor of Business Administration concentrating in Marketing, with a Minor in Finance. He also received a Master’s in Theology from St. Joseph’s Seminary in 2016, and earned the CERTIFIED FINANCIAL PLANNER™ professional designation from the CFP® Board of Standards, Inc.
Ed is originally from Long Island, New York, but moved upstate in 2019 and settled on Cossayuna Lake. Outside of work, Ed enjoys cooking, traveling, learning, and spending time with his wife Evelyn and their two sons, Jake and Matthew. He also donates his time to St. Joseph’s Church in Greenwich, and the Cossayuna Lake Association.
Ed began his career in financial services as a Commercial Loan Officer at National Westminster Bank, where he was responsible for helping find credit solutions for small and medium-sized businesses. Working in this capacity instilled in Ed the importance of understanding the complete financial picture of companies, from their revenue and income, to their assets and liabilities, to their cash flows. This knowledge would become invaluable as he transitioned to financial advisory in 1995 at Merrill Lynch, where he would have to understand not only the financial position of companies to invest in, but also the specific financial situation of each client that he served. Ed has continued to rely on these skills after joining Morgan Stanley in 2010 and considers them to be at the core of any recommendation that he makes to clients.
Ed believes education to be a lifelong pursuit that he is committed to. He is a 1990 graduate of Baruch College with a Bachelor of Business Administration concentrating in Marketing, with a Minor in Finance. He also received a Master’s in Theology from St. Joseph’s Seminary in 2016, and earned the CERTIFIED FINANCIAL PLANNER™ professional designation from the CFP® Board of Standards, Inc.
Ed is originally from Long Island, New York, but moved upstate in 2019 and settled on Cossayuna Lake. Outside of work, Ed enjoys cooking, traveling, learning, and spending time with his wife Evelyn and their two sons, Jake and Matthew. He also donates his time to St. Joseph’s Church in Greenwich, and the Cossayuna Lake Association.
Securities Agent: NC, RI, NY, MO, PA, MD, CO, WI, GA, DE, VA, CA, TN, AL, IL, MA, CT, UT, DC, TX, OR, NH, FL, VT, SC, NJ, IN, AZ; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1326766
NMLS#: 1326766
About Matthew Baitinger
As a Financial Advisor at Morgan Stanley, we believe that consistent contact and a highly personal touch is the key to making clients feel as though they are not just an account. We work closely with individuals and families in the Glens Falls office to help them build, preserve, and pass on their wealth through customized advice that takes each client need into account.
Prior to joining Morgan Stanley, Matt worked as a Sales and Service Specialist at Bank of America and, after a subsequent acquisition, Berkshire Bank. Here he developed the skill of servicing client requests while also developing an understanding of what products may best serve their needs. Matt then brought these skills to Morgan Stanley in 2015 as a Client Service Associate where, after completing his Series 7 and 66 licenses, he later took up his current role as a Financial Advisor. In 2021, 2022, and 2023, Matt achieved Pacesetter's Club, a recognition that acknowledges his commitment to the clients he serves.
Originally from Saratoga Springs, Matt is a graduate of Adirondack Community College with an AAS in Business Administration in 2010, and Empire State College with a BS in Business, Management, and Economics in 2018. Matt received the Chartered Retirement Plan Specialist and the Chartered Retirement Planning Counselor designations from The College for Financial Planning in 2021 and 2022, respectively. Matt has also received his Senior Portfolio Manager designation and Insurance Planning Director designation, valuable designations to have as he continues to service clients' financial and retirement planning goals.
Outside of work, Matt enjoys spending time with his wife, two kids, and three dogs and playing golf.
Prior to joining Morgan Stanley, Matt worked as a Sales and Service Specialist at Bank of America and, after a subsequent acquisition, Berkshire Bank. Here he developed the skill of servicing client requests while also developing an understanding of what products may best serve their needs. Matt then brought these skills to Morgan Stanley in 2015 as a Client Service Associate where, after completing his Series 7 and 66 licenses, he later took up his current role as a Financial Advisor. In 2021, 2022, and 2023, Matt achieved Pacesetter's Club, a recognition that acknowledges his commitment to the clients he serves.
Originally from Saratoga Springs, Matt is a graduate of Adirondack Community College with an AAS in Business Administration in 2010, and Empire State College with a BS in Business, Management, and Economics in 2018. Matt received the Chartered Retirement Plan Specialist and the Chartered Retirement Planning Counselor designations from The College for Financial Planning in 2021 and 2022, respectively. Matt has also received his Senior Portfolio Manager designation and Insurance Planning Director designation, valuable designations to have as he continues to service clients' financial and retirement planning goals.
Outside of work, Matt enjoys spending time with his wife, two kids, and three dogs and playing golf.
Securities Agent: CT, OR, NY, MO, UT, SC, NC, IN, CO, CA, PA, NH, WI, VT, AZ, NJ, MA, GA, RI, AL, TN, DC, TX, VA, MD, FL, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 1805362
NMLS#: 1805362
About Jacob Costello
Jacob has been in the financial services industry for 4 years. Initially, he started his career working as a client service associate for Morgan Stanley. This role allowed him to gain significant experience in financial regulations, systems, and services. After growing in this role, Jacob transitioned into a Financial Advisor role with the Costello-Baitinger Group.
Jacob identifies himself as a holistic financial advisor. His priority is to gain a deep understanding of each client and use a comprehensive financial plan to help guide their decisions. Through this process, Jacob can provide the highest level of service possible to each client and help ensure it is unique to their needs.
Prior to his career at Morgan Stanley, Jacob attended Siena College in Latham, NY. During his time at Siena, he was heavily involved in the Stack Center, Siena’s entrepreneurship program. Additionally, Jacob was the founder and president of the Fishing Club at Siena College.
Jacob currently resides in Corinth, NY with his wife, Molly and his Labrador, Maisy. He is extremely passionate about the outdoors and can be found backpacking and fishing on weekends. He currently sits on the Siena College School of Business Council and remains heavily involved with the school.
Jacob identifies himself as a holistic financial advisor. His priority is to gain a deep understanding of each client and use a comprehensive financial plan to help guide their decisions. Through this process, Jacob can provide the highest level of service possible to each client and help ensure it is unique to their needs.
Prior to his career at Morgan Stanley, Jacob attended Siena College in Latham, NY. During his time at Siena, he was heavily involved in the Stack Center, Siena’s entrepreneurship program. Additionally, Jacob was the founder and president of the Fishing Club at Siena College.
Jacob currently resides in Corinth, NY with his wife, Molly and his Labrador, Maisy. He is extremely passionate about the outdoors and can be found backpacking and fishing on weekends. He currently sits on the Siena College School of Business Council and remains heavily involved with the school.
Securities Agent: AL, RI, NJ, NC, VA, UT, SC, OR, MD, FL, GA, IL, DC, CT, WI, VT, PA, MO, DE, TX, IN, CO, NH, TN, NY, MA, CA, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 2549344
NMLS#: 2549344
About Christopher Coppola
Christopher’s professional experience began at a young age having grown up working within his family’s restaurant business. From this, his work ethics and customer service skills were established and further developed.
After moving to Italy following high school and having lived, studied and worked there for over 8 years, Christopher furthered his experience in communication and relationship building, which he believes to be the foundation of the financial services industry. Christopher began his career in financial services at Rhinebeck Bank initially as a relationship banker and later being promoted into a managerial role following his transition into wealth management.
Christopher has a Bachelor of Arts in Anthropology from L'Universita' di Roma La Sapienza , and a Master of Arts in International Relations from Webster University.
When Christopher is not working, he focuses primarily on advocating for land conservation, with a passion for the outdoors and environmental research with over 10 years of experience as a volunteer at the Carey Institute of Ecosystem Studies in Millbrook, NY.
After moving to Italy following high school and having lived, studied and worked there for over 8 years, Christopher furthered his experience in communication and relationship building, which he believes to be the foundation of the financial services industry. Christopher began his career in financial services at Rhinebeck Bank initially as a relationship banker and later being promoted into a managerial role following his transition into wealth management.
Christopher has a Bachelor of Arts in Anthropology from L'Universita' di Roma La Sapienza , and a Master of Arts in International Relations from Webster University.
When Christopher is not working, he focuses primarily on advocating for land conservation, with a passion for the outdoors and environmental research with over 10 years of experience as a volunteer at the Carey Institute of Ecosystem Studies in Millbrook, NY.
Contact Edward Costello
Contact Matthew Baitinger
Contact Jacob Costello
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
Michael Ryan
Private Banker
Emilio LaPietra, CFP®
Financial Planning Director, Vice President
About Michael Ryan
Michael Ryan is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey and New York.
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.
Michael began his career in financial services in 2010 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Citigold Relationship Manager for Citibank in Queens, NY. Michael was also a Private Client Banker with JP Morgan Chase Bank in New Jersey.
Michael is a graduate of Ramapo College where he received a Bachelor of Science with a concentration in Law and Society Studies. He lives at the Jersey Shore with his family. Outside of the office, Michael donates his time to the Juvenile Diabetes Research Foundation. He enjoys playing golf, skiing, the beach, and spending time with his family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Michael began his career in financial services in 2010 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Citigold Relationship Manager for Citibank in Queens, NY. Michael was also a Private Client Banker with JP Morgan Chase Bank in New Jersey.
Michael is a graduate of Ramapo College where he received a Bachelor of Science with a concentration in Law and Society Studies. He lives at the Jersey Shore with his family. Outside of the office, Michael donates his time to the Juvenile Diabetes Research Foundation. He enjoys playing golf, skiing, the beach, and spending time with his family.
NMLS#: 600637
About Emilio LaPietra
Emilio LaPietra is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Central Eastern New York. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Emilio began his career in financial services in 2010, and joined Morgan Stanley in 2020. Prior to his current position, he worked at Fidelity Investments.
Emilio graduated from The College of Saint Rose and holds his Certified Financial Planner® designation . He lives in Saratoga Springs, New York.
Emilio began his career in financial services in 2010, and joined Morgan Stanley in 2020. Prior to his current position, he worked at Fidelity Investments.
Emilio graduated from The College of Saint Rose and holds his Certified Financial Planner® designation . He lives in Saratoga Springs, New York.
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Costello-Baitinger Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative 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.
3Investors 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.
4Morgan 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
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
6Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9When 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.
10Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
11Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
12Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative 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.
3Investors 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.
4Morgan 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
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
6Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9When 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.
10Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
11Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
12Morgan 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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
