Sante Bologna
Registered Client Service Associate
Phone:
(248) 723-5328(248) 723-5328
David J. Aquilina
Executive Director,
Financial Advisor,
Portfolio Management Director
Direct:
(248) 938-1813(248) 938-1813
My Mission Statement
Developing tailored strategies to help our clients achieve their financial goals.
My Story and Services
David’s curiosity in the financial services stemmed largely from his experiences as a child growing up and recognizing early on the importance of having sound wealth planning and investment management advice. Today he is passionately committed to creating a meaningful difference in the lives of his clients by helping them achieve confidence and financial prosperity. In fact, he focuses in full wealth integration which requires a clear understanding of your wealth coordination, investment management, risk management, legacy planning - which are all driven by your wealth and lifestyle goals. He works with a select number of families, including business owners. David is committed to helping you simplify, organize and coordinate all aspects of your wealth so you can focus on what matter most to you.
Over the years, David has thoroughly enjoyed seeing his client base evolve into multi-generational relationships and as a result, legacy and retirement planning have played a bigger role. David believes establishing relationships with each one of his clients is important so he can help them deal with any significant life event that may affect their wealth planning and investment management. David was introduced to the financial services industry in 1993 as an intern at Smith Barney and now has his Series 7, Series 63 and Series 65 registrations including life and health insurance licenses.
Dave believes he has a responsibility to give back to his community and future generations - he did this through his extensive involvement with the Birmingham/Bloomfield Hills Soccer (BBSC). He’s had the pleasure of assisting his son’s team for the last four years where he thoroughly enjoys the life lessons team sports have to offer children as well as getting then outdoors and active. David also was the head coach for both his son and daughter’s teams at Farmington Hills Soccer.
David enjoys keeping busy with his three young kids, Madeline (14), Aiden (12) and Amelia (8) and there is no shortage of action! With the kids attending Detroit Country Day, he is constantly supporting them with their homework and various school endeavors. David’s motto is being a Country Day dad is like having another full-time job! “It’s worth every second and with them being busy, it keeps them out of trouble and better prepares them for college. I’m doing everything I can to make them happy, responsible and successful.”
Lastly, David graduated magna cum laude from the University of Michigan - Dearborn, School of Management in 1993 with a B.S.A. where he majored in finance and minored in accounting. While attending U-M Dearborn, David started the Native American Student Association which is still going strong today.
Over the years, David has thoroughly enjoyed seeing his client base evolve into multi-generational relationships and as a result, legacy and retirement planning have played a bigger role. David believes establishing relationships with each one of his clients is important so he can help them deal with any significant life event that may affect their wealth planning and investment management. David was introduced to the financial services industry in 1993 as an intern at Smith Barney and now has his Series 7, Series 63 and Series 65 registrations including life and health insurance licenses.
Dave believes he has a responsibility to give back to his community and future generations - he did this through his extensive involvement with the Birmingham/Bloomfield Hills Soccer (BBSC). He’s had the pleasure of assisting his son’s team for the last four years where he thoroughly enjoys the life lessons team sports have to offer children as well as getting then outdoors and active. David also was the head coach for both his son and daughter’s teams at Farmington Hills Soccer.
David enjoys keeping busy with his three young kids, Madeline (14), Aiden (12) and Amelia (8) and there is no shortage of action! With the kids attending Detroit Country Day, he is constantly supporting them with their homework and various school endeavors. David’s motto is being a Country Day dad is like having another full-time job! “It’s worth every second and with them being busy, it keeps them out of trouble and better prepares them for college. I’m doing everything I can to make them happy, responsible and successful.”
Lastly, David graduated magna cum laude from the University of Michigan - Dearborn, School of Management in 1993 with a B.S.A. where he majored in finance and minored in accounting. While attending U-M Dearborn, David started the Native American Student Association which is still going strong today.
Securities Agent: NC, IL, FL, DE, WA, TN, NY, NJ, MT, OH, AK, MA, GA, CA, AZ, VA, TX, MN, LA, DC, UT, HI, MO, AR, SC, OR, NM, CO, WI, PA, NV, NH, KS, IN, CT, WV, MI, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 2559107
NMLS#: 2559107
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Financial Planning Process
Discovery Conversation
I invest the time to learn about you and your family; your assets and liabilities and the risk exposures, enables me to formulate strategies and customize the relationship to your needs.
Financial Planning Questionnaire
Creation and Presentation of Financial Plan
Following our conversation, I aim to form an understanding of everything in your financial life. Your circumstance drives the development of a personalized financial strategy. Tailored to help meet your specific needs, I address areas such as insurance, education planning, retirement, and estate planning strategies. I will present to you this roadmap and would love to hear your thoughts.
Document Checklist
Ongoing Review
In coordination with your other advisors, I conduct ongoing reviews and comprehensive reporting to help ensure that your strategy adapts to changing financial and family needs.
Tools & Resources
My strategy leverages modern wealth tools and cutting-edge technology. By providing you with the tools you need, I can help you come one step closer to achieving your financial goals.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
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Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
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eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll Today
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit our Security Center
2025 Tax Tables
This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
View Here
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential, manage unrealized gains and help keep more of what you earn.
Learn More
Preferred Savings
Take advantage of our Preferred Savings Program for Qualifying Cash offer with flexible options and more ways to save. There are two ways you may participate, either 1) bring new cash deposits from external sources or 2) use proceeds from the sale, income or distribution from securities in your eligible Morgan Stanley brokerage accounts.
Learn More
CD Rates
Get More Value For Your Cash With This Competitive New Money CD Offer From Morgan Stanley. Your funds will continue to receive a premium rate once the CD matures, making this offer an attractive option for your cash management strategy.
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Reserved Living & Giving
Reserved Living & Giving is a complimentary loyalty program, with over 50 offers and discounts from premier brands, designed to enhance your lifestyle beyond traditional wealth management services. The program provides access to exclusive partner offers, insights from Morgan Stanley thought leaders and inspiring philanthropic stories.
Learn MoreIn the News
Hand picked topics where all things related to finance, lifestyle, and events can be found. I look forward to provide my clients with not only market and finance resources, but also with other helpful resources that can have a huge impact on you and your loved ones. Enjoy!
What Should I Do With My Money?
On this award-winning podcast, we match real people, asking real questions about their money, with experienced Financial Advisors. From prenups to passing a legacy to their children, from affording a dream home to literally wanting to save the planet, our guests discuss what matters the most to them and you get answers to some of the questions you might have yourself.
Wealth Education for the Next Generation Series
Catch up on the an exciting journey into the world of finance and wealth education. At Morgan Stanley, we believe that knowledge is the key to unlocking future success, and we're excited to share our thought leadership and experience with you! Hosted by Caroline Gundeck, Head of UHNW Client and Field Engagement and Charline Burgess, Senior Wealth Education Specialist, you will learn about financial concepts, investing, and money management in a fun and interactive way.
The GIC Weekly
The Global Investment Committee (GIC) is a group of seasoned investment professionals who meet regularly to discuss the global economy and markets. The committee determines the investment outlook that guides our advice to clients.
US Policy Pulse
Monthly publication that assesses the market relevance of recent domestic policy events; with an additional emphasis on election season.
Can Empty Offices Solve the U.S. Housing Shortage?
A dearth of residential housing and oversupply of vacant office space has raised interest in the idea of real-estate conversion. However, converting underused office space into residential space faces many economic and logistical hurdles. The complexity of building and zoning regulations in different cities may add extra limitations for would-be investors.
Larry Fitzgerald Jr. Talks Philanthropy, Investing and Leadership After the NFL
Larry Fitzgerald Jr. is known for being a renowned NFL wide receiver, but he's also a passionate investor, entrepreneur and philanthropist. After transitioning from professional football, he's focused on opportunities to support innovation, mental and physical health, and financial education. His investments focus on companies that enrich people's lives and help underserved communities.
Taxable Portfolios
One of the main tax strategies I employ is direct indexing. In a nutshell, direct indexing seeks to replicate an existing stock index, such as the S&P 500 or the Russell 3000, in a taxable account. Through a separately managed account, an investment manager establishes direct ownership of individual stocks that make up the chosen index. Using optimization software, the manager typically includes a sample of the index constituents, which allows for close mirroring of the index's performance. With direct indexing, you have access to potential tax savings not typically possible when you own an index-tracking fund. You also tend to have more flexibility when it comes to the individual stocks you choose to own.
The Benefits of Direct Indexing
Learn more about the potential advantages of a direct indexing strategy and how it can help you meet your financial goals.
Investing Smarter with Direct Indexing
Amid volatile markets, investors might consider direct indexing, which offers portfolio customization and the ability to pursue tax-efficient strategies within passive investing.
Your Guide to Tax-Efficient Planning
The tax decisions you make today can help you save for years to come. Consider these tax-smart strategies for your financial plan.
Location
40701 Woodward Ave.
Ste 200
Bloomfield Hills, MI 48304
US
Direct:
(248) 938-1813(248) 938-1813
Meet My Team
Karee Moore
Senior Client Service Associate
Phone:
(248) 723-1807(248) 723-1807
About Sante Bologna
Sante Bologna is a Registered Client Service Associate who joined Morgan Stanley in 2023. His passion for investing, business success stories, and personal wealth-building began at a young age when he was gifted a bond by his grandfather. Sante graduated from Oakland University in Auburn Hills, MI, with a degree in marketing.
Before Morgan Stanley, Sante helped run his family’s auto repair business, Patriot Auto Services, in Warren. In 2018 and 2021, he embarked on medical mission trips to Kenya with his father and stepmother. He also volunteers with the St. Baldrick’s Foundation, supporting fundraisers to fight childhood cancer. An avid golfer and seasonal hockey player, Sante enjoys participating in a summer golf league and winter hockey. He also has a love for time spent in northern Michigan, where he learned to sail on Walloon Lake. He currently lives in Rochester Hills with his beloved family and four dogs.
Before Morgan Stanley, Sante helped run his family’s auto repair business, Patriot Auto Services, in Warren. In 2018 and 2021, he embarked on medical mission trips to Kenya with his father and stepmother. He also volunteers with the St. Baldrick’s Foundation, supporting fundraisers to fight childhood cancer. An avid golfer and seasonal hockey player, Sante enjoys participating in a summer golf league and winter hockey. He also has a love for time spent in northern Michigan, where he learned to sail on Walloon Lake. He currently lives in Rochester Hills with his beloved family and four dogs.
About Karee Moore
Karee Moore is a Senior Client Service Associate with Morgan Stanley. Karee transitioned to Morgan Stanley with David Aquilina in 2023. Prior to Morgan Stanley, Karee was with Wells Fargo Advisors for 15 years in both Operations and Service Associate roles.
Karee currently lives in Macomb, MI with her husband Brian and her two children, son Ryker and daughter Sloane. The family is very active in the martial arts. Karee, Ryker and Sloane are all members of the Zen Bei Butoku Kai organization. They love training together as a family. Sloane is currently prepping for her level 2 Junior Black Belt. Aside from karate, Karee loves spending time with friends and family, reading, singing karaoke, going on long weekend trips, and cooking. The family is also active in the community helping organizations such as Gleaners and Neighbors United. Karee is a co-leader of her daughters Girl Scout Troop and are happy to spend the time together; as her husband Brian also coaches Ryker’s flag football team every season.
Karee currently lives in Macomb, MI with her husband Brian and her two children, son Ryker and daughter Sloane. The family is very active in the martial arts. Karee, Ryker and Sloane are all members of the Zen Bei Butoku Kai organization. They love training together as a family. Sloane is currently prepping for her level 2 Junior Black Belt. Aside from karate, Karee loves spending time with friends and family, reading, singing karaoke, going on long weekend trips, and cooking. The family is also active in the community helping organizations such as Gleaners and Neighbors United. Karee is a co-leader of her daughters Girl Scout Troop and are happy to spend the time together; as her husband Brian also coaches Ryker’s flag football team every season.
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 David J. Aquilina today.
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.
2Morgan 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.
3When 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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
CRC 4665150 (8/2025)
