Mike Manson
Private Banker
Deborah B Errath, CFP®
Senior Vice President, Wealth Management,
Financial Advisor
Direct:
(312) 419-3292(312) 419-3292
Toll-Free:
(800) 621-2842(800) 621-2842
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
My Story and Services
As a financial advisor with Morgan Stanley I focus on working with a select group of senior executives, business owners and their multi- generational families. In this role I develop customized financial plans and implement investment strategies using a goals- based approach to total wealth management. My philosophy emphasizes building and preserving wealth, while remaining ever mindful of fees and taxes. I bring a comprehensive knowledge of the unique financial needs of senior executive clients. My experience includes wealth transfer strategies, executive compensation, 401(k) rollovers, pension option strategies, deferred compensation and diversification out of a concentrated position. My passion for serving business owners stems from my background as the owner of a successful media services company for more than 20 years prior to joining Morgan Stanley. Based in Chicago, I work with clients across the country and travel extensively for meetings. I am well versed on all types of insurance products including long-term care, and I hold the Series 7 and 66 securities licenses. I have earned the Certified Financial Planner designation. This is awarded to candidates who not only meet rigorous experience and ethics requirements but who successfully complete a curriculum of financial planning coursework and pass the CFP Certification Examination. Final accreditation marks proficiency in financial planning, risk management, investing, investment tax planning, retirement and employee benefits and estate planning strategies. Working closely with your tax, legal and other professional advisors I can help you design strategic and tactical solutions to help reach your long term goals. I was recently named to the 2025 Forbes Top Women Wealth Advisors Best-In-State.
I have a B.S. from Northwestern University and am fluent in Spanish. I have served on the advisory council of the Hathaway Brown School, a college preparatory school in Cleveland, Ohio where I also attended. I live in Winnetka, Illinois and have two grown sons and a daughter.
2025 Forbes Top Women Wealth Advisors Best-In-State
Source: Forbes (Awarded Feb 2025). Data compiled by SHOOK Research LLC based for the period 9/30/23–9/30/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025
I have a B.S. from Northwestern University and am fluent in Spanish. I have served on the advisory council of the Hathaway Brown School, a college preparatory school in Cleveland, Ohio where I also attended. I live in Winnetka, Illinois and have two grown sons and a daughter.
2025 Forbes Top Women Wealth Advisors Best-In-State
Source: Forbes (Awarded Feb 2025). Data compiled by SHOOK Research LLC based for the period 9/30/23–9/30/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025
Securities Agent: CA, NH, IL, DC, SC, UT, OH, MO, MA, NY, NJ, MN, CO, AZ, PA, OR, IN, FL, CT, WI, TX, MI, GA, WA, MS; General Securities Representative; Investment Advisor Representative
NMLS#: 1270204
NMLS#: 1270204
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Adapting to Our Evolving World
It is no secret that our economy and our world are evolving at a rapid pace, and with that, we must be cognizant of the changes taking place in how we invest. Take a look at these resources to help you navigate the evolving world of AI and technology, and stay ahead of the curve in the digital age.
Tech and Innovation: 2030 Outlook
Discover how technology and innovation are transforming industries and shaping the future, driven by necessity and new possibilities for a smarter, more connected world
Learn more
How Generative AI Could Reshape Work
Generative AI is set to impact a wide poised to reshape the future of work, unlocking new opportunities, enhancing creativity and transforming industries across the globe.
Learn more
Retail Technology Trends
From AI-driven customer experiences to advanced supply chain solutions, retailers are looking for opportunities to drive growth and meet changing customer expectations.
Learn More
Sustainable Investing
ESG factors and technology are driving innovation and creating new opportunities in pursuit of a more sustainable and resilient global economy.
Learn moreWomen Without Limits
Women’s investment needs and concerns often are very different than men’s. That is why I'm committed to creating opportunities for women in their careers, their wealth planning and their communities. I'm closing the gap and helping empower females throughout every stage of their lives, with tangible resources, advice and stories.
Plan For Your Financial Future
Women make up half the population but for so long have been treated like a niche demographic in financial services. Today, women are largely responsible for their families' financial decision-making, and we hold the majority of consumer spending power. Certainly, we are anything but a niche.
Learn More
A Womans Guide
Women face a unique set of financial challenges. I have witnessed the power of education and trusted guidance to transform a woman's relationship with money.
Learn More
Creating A Road Map
Women control a third of total U.S. household financial assets yet have often been overlooked by the financial industry. This guide is designed to help women understand their power and create a road map for their future.
Learn More
529 Plans: A Powerful Tool to Save for Education
With costs so high, many students and parents are taking on significant student loan debt to pay for college. Though education costs continue to climb, starting to save early can make a difference.
Learn More
Wealth Management Resources for Women
I work hard to empower women to take control of their wealth. I understand firsthand the unique financial challenges that women face. The page below contains topics surrounding financial planning for women and is a great resource. It contains tools, articles, and content, and is a great reflection of the conversations I have with clients every day.
Read HereE-Tools
Morgan Stanley is at the forefront of technology in the industry. As a part of our services, these resources are readily available for clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts. Our Spending and Budgeting Tool makes it easy for you and your Financial Advisor to see your complete financial picture.
Spending and Budgeting Tool
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Enroll in eDelivery
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Learn More About Digital VaultClient Service Team
James B Johnson - Registered Associate
Phone:
(312) 443-6063(312) 443-6063
Email:james.b.johnson@morganstanley.com
James Johnson joined Morgan Stanley in 2024 and serves as a Registered Associate. He prides himself on developing personal relationships with clients to understand their aspirations and tailor his service to meet their goals. He enjoys thinking about clients’ finances in the broader context of their lives, helping them to feel secure in their long-term plan.
James recently moved to Chicago from Seattle, where he graduated from the Foster School of Business at the University of Washington with a BA in Business Administration. In his free time, he enjoys skiing, travel, and finding ways to practice French.
James recently moved to Chicago from Seattle, where he graduated from the Foster School of Business at the University of Washington with a BA in Business Administration. In his free time, he enjoys skiing, travel, and finding ways to practice French.
Craig Yong - Registered Associate
Phone:
(312) 827-6941(312) 827-6941
Email:craig.yong@morganstanley.com
Craig Yong joined Morgan Stanley in 2024 as a Registered Associate, leaving his previous role as a chef in a Michelin starred restaurant. Craig leverages his previous experience in client facing roles as a tech consultant and as an entrepreneur, where he managed relationships with clients, business partners, and customers.
Craig moved to Chicago from Singapore to attend the University of Illinois at Chicago, where he graduated with a BA in Economics. In his free time, Craig enjoys cooking, aquarium keeping, and Brazilian jiu jitsu.
Craig moved to Chicago from Singapore to attend the University of Illinois at Chicago, where he graduated with a BA in Economics. In his free time, Craig enjoys cooking, aquarium keeping, and Brazilian jiu jitsu.
David McColl - Client Relationship Analyst
Phone:
(312) 827-6994(312) 827-6994
Email:david.mccoll@morganstanley.com
David McColl joined Morgan Stanley in 2025 and serves as a Client Relationship Analyst. He is passionate about forming and developing client relationships in order to understand their goals to personalize his service to best meet their needs. David is dedicated to helping clients navigate their financial journeys with clarity, trust, and strategic insight.
David recently moved back to Chicago after graduating from the University of Dayton with a BA in Finance. In his free time, David enjoys running on Chicago’s lake front, traveling to new places, rooting for Chicago’s sports teams, and playing tennis or golf with his friends and family.
David recently moved back to Chicago after graduating from the University of Dayton with a BA in Finance. In his free time, David enjoys running on Chicago’s lake front, traveling to new places, rooting for Chicago’s sports teams, and playing tennis or golf with his friends and family.
Location
233 S Wacker Dr
Ste 8600
Chicago, IL 60606
US
Direct:
(312) 419-3292(312) 419-3292
Toll-Free:
(800) 621-2842(800) 621-2842
Fax:
(312) 419-3515(312) 419-3515
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
Andrew Starkey, CFP®
Financial Planning Director, Assistant Vice President
About Mike Manson
Mike Manson is a Private Banker serving Morgan Stanley Private Wealth Management and Wealth Management offices in Illinois.
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.
Mike began his career in financial services in 2010 and joined Morgan Stanley in 2019 as an Associate Private Banker. Prior to joining the firm, he was a Senior Wealth Strategist and Banking Consultant at UBS. He also was a Bank Manager at BMO Harris Bank.
Mike is a graduate of Roosevelt University, where he received a Bachelor of Business Administration in Accounting. He also received a Post-Baccalaureate Certificate in Finance from Northwestern University.
Mike and his family reside in Glenview, Illinois. Outside of the office, Mike enjoys early morning workouts, golf, and playing 12-inch softball.
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.
Mike began his career in financial services in 2010 and joined Morgan Stanley in 2019 as an Associate Private Banker. Prior to joining the firm, he was a Senior Wealth Strategist and Banking Consultant at UBS. He also was a Bank Manager at BMO Harris Bank.
Mike is a graduate of Roosevelt University, where he received a Bachelor of Business Administration in Accounting. He also received a Post-Baccalaureate Certificate in Finance from Northwestern University.
Mike and his family reside in Glenview, Illinois. Outside of the office, Mike enjoys early morning workouts, golf, and playing 12-inch softball.
NMLS#: 728335
About Andrew Starkey
Andrew Starkey is an Assistant Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management office in Chicago, Illinois. He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Andrew began his career in financial services in 2017 and joined Morgan Stanley in 2021. Prior to his current position, he worked as a Wealth Management Associate at Morgan Stanley and a paraplanner in Minneapolis, Minnesota.
Andrew graduated from the University of St. Thomas and holds his CERTIFIED FINANCIAL PLANNER™ designation. Andrew moved to Chicago, Illinois in 2021 from Minneapolis, Minnesota, where he was born and raised. Outside of work, Andrew enjoys exploring Chicago with his wife and dog, traveling back to Minnesota and Colombia to visit with family, and playing basketball with his friends on the weekend.
Andrew began his career in financial services in 2017 and joined Morgan Stanley in 2021. Prior to his current position, he worked as a Wealth Management Associate at Morgan Stanley and a paraplanner in Minneapolis, Minnesota.
Andrew graduated from the University of St. Thomas and holds his CERTIFIED FINANCIAL PLANNER™ designation. Andrew moved to Chicago, Illinois in 2021 from Minneapolis, Minnesota, where he was born and raised. Outside of work, Andrew enjoys exploring Chicago with his wife and dog, traveling back to Minnesota and Colombia to visit with family, and playing basketball with his friends on the weekend.
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 Deborah B Errath 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.
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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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
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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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), 4763067 (9/2025)
