David Gambelin
Managing Director, Wealth Advisor, Investment Consultant, Lending Specialist
Phone:
(408) 947-3701(408) 947-3701
David Gambelin
Managing Director, Wealth Management,
Wealth Advisor,
Investment Management Consultant,
Lending Specialist
Direct:
(408) 947-3701(408) 947-3701
Toll-Free:
(800) 444-4752(800) 444-4752
Industry Award WinnerMy Mission Statement
Working with you to help preserve and grow wealth for your long-term goals
About Us
As your Wealth Advisor, I can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together, I can help you with preserving and growing your wealth. 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
Securities Agent: AR, ID, WI, NM, NJ, LA, HI, VA, UT, TX, OK, NV, IN, OH, MO, CO, OR, GA, CA, WA, DC, AZ, WY, FL, PA, NY, TN, NC, MI, ME, MD, MA, IL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1290709
CA Insurance License #: 0D90176
NMLS#: 1290709
CA Insurance License #: 0D90176
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
I believe success in achieving important financial goals starts with a comprehensive wealth strategy. I will help you define what is most important to you and then formulate the strategies that are suited for your needs - whether you are accumulating wealth, investing for income, solidifying your retirement plan or devising a distribution approach that meets your lifestyle and legacy goals. Each financial decision is different for everyone and we can work together to find the most suitable solution for you.
Step 1: Introduction
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle and your future goals.
Step 2: Discovery
Work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan
Map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your accounts helping ensure a comprehensive financial plan.
Step 4: Action Items / Next Steps
Follow up with you regarding our analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits, and insurance coverage.
Step 5: Implementation
Focus on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustment, and saving/benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
How We are Different
We are committed to you. We have walked in your shoes and will take the weight off your shoulders.
We take the weight off your shoulders. We help prioritize your financial action items to relieve you of the mental burden.
We have walked in your shoes. David was previously a teacher and has a keen understanding of the ins and outs of keeping your finances in check to ensure your family is set for the future.
In order to develop a strategic strategy and create an appropriate investment portfolio, we will examine every aspect of your financial situation.
Our team is accessible. If you are ready to develop a purposeful wealth plan which defines your money values, clarifies goals, and builds a road-map forward, please contact our team today.
Awards and Associations
Thanks to the unwavering commitment to helping clients and families reach their investment goals, David Gambelin has been awarded with the following industry awards and recognitions.
Morgan Stanley President’s Club
From 2022 to present, David joined the Firm’s prestigious President’s Club, an elite group composed of the Firms top Financial Advisors. The appointment recognizes David’s consistent creativity and excellence in providing a wide range of investment products and wealth management services to his clients.
Morgan Stanley Chairman's Committee
From 2005 through 2021, David joined the Firm’s Chairman Committee. David’s appointment was a reward for consistent excellence and ingenuity.
Wharton School of Business
Bachelors of Science, University of California, Santa Barbara
Monthly Outlooks & Updates
David strives to simplify complex financial concepts into a digestible format so that our clients can truly understand the work which goes into planning for their financial future. We are firm believers in providing our clients with as many resources as possible so that they may stay informed on the latest market trends, analyses, and outlooks. The resources below provide in-depth analysis on current market events and finance topics that are affecting the business world today.
2025 Outlook
Global growth is likely to slow in 2025 and 2026 as the shock of higher U.S. tariffs crimps demand around the world.
Learn More
Thoughts on the Market with Andrew Sheets
Each week, Chief Cross-Asset Strategist Andrew Sheets, or a member of his team, shares podcasts offering perspective on the forces shaping the markets as well as insights on investment opportunities and risk across global asset classes. Click the link below to listen to the latest edition.
Listen Here
Global Investment Committee: On The Markets
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out the latest edition below.
Learn More
The Global Investment Committee Weekly
Weekly insights into global markets, asset classes and economic trends from the Global Investment Committee, Morgan Stanley’s team of seasoned investment professionals.
Learn More
2024 Federal Income Tax Tables
Each year, the tax bill highlights how significantly taxes can impact your journey toward your financial goals — and highlights the value of integrating tax-efficient strategies into your investment process.
As tax filing deadlines approach, you can prepare for this year’s taxes and next year’s planning with the updated 2024 tax tables.
Learn MoreAs tax filing deadlines approach, you can prepare for this year’s taxes and next year’s planning with the updated 2024 tax tables.
Location
225 W Santa Clara St
Suite 900
San Jose, CA 95113
US
Direct:
(408) 947-3701(408) 947-3701
Toll-Free:
(800) 444-4752(800) 444-4752
Fax:
(408) 998-2633(408) 998-2633
Meet My Team
Jasmine Loh
Assistant Vice President, Business Development Director, Financial Planning Specialist¹
Phone:
(408) 947-3742(408) 947-3742
Ashley McCrary
Portfolio Associate
Phone:
(408) 947-3762(408) 947-3762
Connor Gambelin
Financial Advisor, Financial Planning Specialist
Phone:
(408) 947-3754(408) 947-3754
About David Gambelin
Prior to his start at Morgan Stanley, David was a high school educator. While working as a history/business teacher, David’s passion was to work in the financial industry. The career change was a smooth transition. He went from helping high school students with learning life lessons to helping adults learn and plan for their financial goals and future.
Twenty years as a Wealth Advisor at Morgan Stanley, David works with clients to develop a comprehensive wealth strategy along with devising an approach to meet their unique lifestyle and goals. An Alumni of UC Santa Barbara and Wharton School of Business, David has been named in Forbes Best-In-State Wealth Advisors in California since 2018.
A Bay Area native, David resides in Willow Glen with his family. He is an avid sports fan and loves skiing and spin classes. He also enjoys traveling and visiting his twins at their respective colleges.
Professional Details – Series 7, 66, 31
Wharton School of Business & University of California, Santa Barbara
Twenty years as a Wealth Advisor at Morgan Stanley, David works with clients to develop a comprehensive wealth strategy along with devising an approach to meet their unique lifestyle and goals. An Alumni of UC Santa Barbara and Wharton School of Business, David has been named in Forbes Best-In-State Wealth Advisors in California since 2018.
A Bay Area native, David resides in Willow Glen with his family. He is an avid sports fan and loves skiing and spin classes. He also enjoys traveling and visiting his twins at their respective colleges.
Professional Details – Series 7, 66, 31
Wharton School of Business & University of California, Santa Barbara
Securities Agent: AR, ID, WI, NM, NJ, LA, HI, VA, UT, TX, OK, NV, IN, OH, MO, CO, OR, GA, CA, WA, DC, AZ, WY, FL, PA, NY, TN, NC, MI, ME, MD, MA, IL; General Securities Representative; Investment Advisor Representative; Managed Futures
CA Insurance License #: 0G16921
CA Insurance License #: 0G16921
About Jasmine Loh
Jasmine started her work experience at Cisco Systems and Prudential Financial after earning her B.S. in Managerial Economics from UC Davis in 2001. She began her career at Morgan Stanley in 2004 where she obtained her securities licenses while working in Branch Operations and as an assistant to the Branch Manager. In 2006, she joined David as a Registered Client Service Associate. In her current role as Business Development Director, Jasmine is responsible for managing the team’s overall business and client service as well as overseeing the team’s operational, marketing and strategic planning. She collaborates closely with her team to ensure that all clients receive an elevated service experience. As a Financial Planning Specialist, she works with David on creating financial plans for their valued clients.
Jasmine resides in San Jose with her husband and two sons. She is active in her sons’ sports and activities. In her spare time, she enjoys traveling, camping and connecting with family and friends.
Professional Details - Series 7, 63, 66, 31
Bachelors of Science Managerial Economics, University of California, Davis
¹ Disclaimer: This role cannot solicit or provide investment advice.
Jasmine resides in San Jose with her husband and two sons. She is active in her sons’ sports and activities. In her spare time, she enjoys traveling, camping and connecting with family and friends.
Professional Details - Series 7, 63, 66, 31
Bachelors of Science Managerial Economics, University of California, Davis
¹ Disclaimer: This role cannot solicit or provide investment advice.
CA Insurance License #: 0G16921
About Ashley McCrary
Ashley began her career in the financial service industry in 2008 at Scottrade. In 2013, she began working with Morgan Stanley in San Jose. As a Portfolio Associate, her primary responsibilities include opening and maintaining client accounts, asset transfers, assisting clients with using the various online tools and other administrative duties. She currently holds a CA Insurance License and Series 7 and 66 designations.
Ashley was born and raised in San Jose where she still currently resides with her husband. She is a huge fan of the Giants, Sharks, Warriors and Dallas Cowboys. In her spare time, she enjoys spending time and traveling with her friends and family.
Professional Details - Series 7, 66
Ashley was born and raised in San Jose where she still currently resides with her husband. She is a huge fan of the Giants, Sharks, Warriors and Dallas Cowboys. In her spare time, she enjoys spending time and traveling with her friends and family.
Professional Details - Series 7, 66
CA Insurance License #: 0L90868
About Connor Gambelin
Connor graduated Cum Laude from Tulane University with a bachelor’s degree in Finance. During his time at Tulane, Connor was a member of the invitation-only Darwin Fenner Student Managed Fund and Burkenroad Reports, gaining experience in portfolio management and equity research respectively. He was also a defenseman all four years on the school's lacrosse team.
In his current role as a Financial Advisor and dedicated Financial Planning Specialist, Connor is responsible for assisting in investment management as well as developing comprehensive financial plans tailored to meet the unique needs of each client. Since joining the team, Connor has been instrumental in guiding clients through complex financial landscapes ensuring they achieve their long-term financial goals.
Connor is an avid Bay Area sports fan and in his spare time enjoys long-distance running, road cycling, skiing, and surfing.
Professional Details - Series 7, 66
Bachelors of Science in Management, Tulane University
In his current role as a Financial Advisor and dedicated Financial Planning Specialist, Connor is responsible for assisting in investment management as well as developing comprehensive financial plans tailored to meet the unique needs of each client. Since joining the team, Connor has been instrumental in guiding clients through complex financial landscapes ensuring they achieve their long-term financial goals.
Connor is an avid Bay Area sports fan and in his spare time enjoys long-distance running, road cycling, skiing, and surfing.
Professional Details - Series 7, 66
Bachelors of Science in Management, Tulane University
Securities Agent: IL, CO, WY, TX, NV, FL, NY, NC, MD, MA, ID, CA, AZ, AR, UT, OK, CT, OR, ME, OH, NM, NJ, LA, GA, VA, TN, MO, MI, PA, IN, DC, WI, WA, HI; General Securities Representative; Investment Advisor Representative
CA Insurance License #: 4510528
CA Insurance License #: 4510528
Awards and Recognition
Forbes Best-In-State Wealth Advisors
2018-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2018-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
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 Gambelin today.
1Investors 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.
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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
7When 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.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
10Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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
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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
7When 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.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
10Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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)
