Teri Twarkins Kelley, CFP®, CIMA®, CRPS®
Managing Director, Wealth Management, Financial Advisor, Family Wealth Director, Chartered Advisor in Philanthropy
Phone:
(480) 922-7826(480) 922-7826
Viewpoint Wealth Management Group at Morgan Stanley
Teri Twarkins Kelley, CFP®, CIMA®, CRPS®Matthew Gimmelli, CFA®Megan Osbrink, CFP®, QPFCScott LadriganMonika Kotowski, CFP®Dylan Cooper Hoffman, CFP®
Direct:
(480) 922-7826(480) 922-7826
Toll-Free:
(800) 347-5107(800) 347-5107
Industry Award WinnerOur Mission Statement
We work with successful families and C-Suite executives to simplify the complex, mitigate tax burdens, and to provide a clear path forward throughout their financial lives.
Our Story
Significant wealth opens the door to unique opportunities, but also generates complex challenges. The Viewpoint Wealth Management Group is highly experienced in working with successful families, individuals, C-Suite executives, and retirees to maximum reward and minimize risk. We're here to help you build wealth, protect assets, mitigate tax burdens, and achieve as many of your life's goals as possible.
What sets us apart.
Our clients deserve a higher level of service and we're driven to exceed their expectations. We are positioned to support their short-term needs and long-term goals because of our people, our practice, and our process. That's why we continually seek to educate ourselves for the benefit of our clients. Above all, we believe in doing the right thing.
Comprehensive corporate service solutions.
We're also entrusted by corporations to provide first-class retirement programs and executive planning services. From stock plan reinvestment to corporate cash management—our goal is to create programs that attract and retain the right talent.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A Wealth of Opportunities for Your Family
While the Viewpoint Wealth Management Group is a seasoned financial services team—we're really a group of nice people who understand the importance of family. We provide next gen education to heighten your adult children's financial savvy and offer sophisticated lending strategies that can make it easier for them to buy a home or start a business. Above all, we ensure that your wealth gets transferred on your terms and in the most tax-efficient way possible.
Trust & Estate Planning
We work collaboratively with your attorney to create the plan that fits your family. And for clients with highly complex estates, we can provide access to our Family Office Resources team.
Next Gen Education
We provide your adult children and grandchildren understand with valuable lessons about money management, investing, entrepreneurship, estate planning and what it means to be the beneficiary of a trust.
Lifestyle Advisory Group ($10M in AUM)
Planning for the future is important—and so is living for today. Select clients will get to experience an elite range of concierge services, including:
- Buying, leasing, or sharing a jet
- College and admissions counseling
- Eldercare services
- Experiences, Travel and Luxury Vacations
- Tickets to Theater, Concerts and Sporting Events
Family Office Resources ($25M in AUM)
Significant wealth raises a whole new level of complex challenges and multigenerational issues. We can provide direct access to Morgan Stanley's Family Office Resources, which includes:
- 60 former CPAS and attorneys
- Experts in Generational Wealth Transfer
- Strategists that help minimize tax obligations
- Experts in philanthropic giving
Our Latest Viewpoint
Viewpoint Wealth Management Group's Latest Market Outlook
Teri Twarkins Kelley, CFP®, CIMA®, CRPS® Managing Director& Matt Gimmelli CFA®, Senior Portfolio Management Director for Viewpoint Wealth Management Group will be answering top questions we receive from clients and explain recent market events.
Click the link below to watch the video!
Spotlight on Matt Gimmelli
Matthew A. Gimmelli is a Chartered Financial Analyst®, Executive Director, and Senior Portfolio Management Director with Viewpoint Wealth Management Group. With over 20 years of experience in the financial services industry, Matt concentrates on Portfolio Management, manager oversight and research for Viewpoint Wealth Management Group clients.
Click the link below to watch Matt's video!
Spotlight on Monika Kotowski
Monika Kotowski manages client relationships for Viewpoint Wealth Management Group clients. She has extensive experience in discovery and learning what's most important to our clients. Monika is a client favorite, working with families to understand their needs and make smart decisions that allow them to accomplish their lifelong goals.
Click the link below to watch Monika's video!
Spotlight On Scott Ladrigan
Scott Ladrigan is a Investment Consultant with Viewpoint Wealth Management Group at Morgan Stanley. With over 20 years in the financial services industry, Scott focuses on custom investment solutions as well as investment research and portfolio management.
Click the link below to watch Scott's video!
Our Clients
We serve a select clientele of accomplished business owners, corporate executives, professionals, and their families. Our clients lead busy lives, balancing multiple professional, personal and community commitments. While they all share complex, multigenerational challenges associated with financial success, they also tend to face planning challenges specific to the ways in which they created their wealth:
Viewpoint Wealth Managment Approach
As you reach a certain level of financial success, managing your assets can turn into a full-time job, or even become an overwhelming challenge. The investment choices available to you become more varied and complex, and the strategies to efficiently transfer wealth and fulfill your philanthropic ambitions become increasingly sophisticated.
Senior Executives
Business owners typically have the greater part of their personal wealth linked to the fortunes of their companies. We help these clients manage cash flow, access capital and uncover risks that might jeopardize the future value and continuity of their businesses. When it comes time to monetize their enterprises or pass them to the next generation, we work with their attorneys and accountants to formulate and implement highly customized and fully comprehensive pre--liquidity plans.
Business Owners
Business owners typically have the greater part of their personal wealth linked to the fortunes of their companies. We help these clients manage cash flow, access capital and uncover risks that might jeopardize the future value and continuity of their businesses. When it comes time to monetize their enterprises or pass them to the next generation, we work with their attorneys and accountants to formulate and implement highly customized and fully comprehensive pre--liquidity plans.
Professionals
Professionals nearing retirement often need help customizing plans to support their lifestyles. These individuals may also be concerned with planning their estates to provide for family members and/or charitable organizations without excessive tax liability or conflict among heirs.
Creating a more powerful Corporate Services program
Viewpoint Wealth Management Group understands today's competitive landscape that corporations face when it comes to recruiting and retaining the right talent. We will work with you to structure plans that enable C-Suite executives and senior management to recognize the power of your offerings, including:
- 401k planning
- Stock plan reinvestment
- Corporate cash management
- Corporate borrowing opportunities
- Financial wellness education
- Executive wealth planning services
Location
14850 North Scottsdale Road
6th Floor
Scottsdale, AZ 85254
US
Direct:
(480) 922-7826(480) 922-7826
Toll-Free:
(800) 347-5107(800) 347-5107
Meet Viewpoint Wealth Management Group
Matthew Gimmelli, CFA®
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(480) 922-7976(480) 922-7976
Megan Osbrink, CFP®, QPFC
First Vice President, Financial Advisor, Corporate Retirement Director, Senior Portfolio Manager, Workplace Advisor - Equity Compensation
Phone:
(480) 502-6072(480) 502-6072
Scott Ladrigan
First Vice President, Investment Consultant
Phone:
(480) 624-5703(480) 624-5703
Monika Kotowski, CFP®
Associate Vice President, Investment Consultant
Phone:
(480) 922-7901(480) 922-7901
Dylan Cooper Hoffman, CFP®
Financial Advisor
Phone:
(480) 922-7892(480) 922-7892
Megan Engle, QPFC
Wealth Management Associate, Financial Planning Specialist
Phone:
(480) 922-7835(480) 922-7835
Chris Gillespie
Portfolio Associate
Phone:
(480) 922-7834(480) 922-7834
Fernando Sandoval Luna
Registered Client Service Associate
Phone:
(480) 624-5734(480) 624-5734
About Teri Twarkins Kelley
Teri Twarkins Kelley, CFP®, CIMA®, CRPS®
Managing Director
Family Wealth Director
Chartered Advisor in Philanthropy
Teri leads our wealth planning practice where she is responsible for client engagement with corporate executives and business owners. Her practice includes uniquely successful executives, entrepreneurs, and multi-generational families. Teri provides her clients with investment wealth planning to include employing sophisticated tax and debt strategies to help them define and reach objectives.
Helping clients make educated decisions has been Teri’s passion throughout her career. She believes in forming personal relationships with her clients to help them identify and articulate their unique goals for themselves, their businesses, and their families. As a Chartered Advisor in Philanthropy, Teri enjoys working with families to help them develop their philanthropic goals and instill belief systems within the family.
Prior to joining Smith Barney in 2003, Teri was a product manager for a large national bank and in sales for a dog toy company. She received her M.B.A. from Arizona State University’s W.P. Carey School of Business and her B.A. in Communication Studies from the University of Alabama at Birmingham. She completed the Certified Investment Management Analyst® program at Wharton School at University of Pennsylvania and earned the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation from the Certified Financial Planner® Board of Standards, an independent regulatory organization.
Teri serves on the national board for Women’s Leadership Alliance, an organization whose mission is to attract more women into the business of financial advice, and to support and empower them as they develop. Teri has been on various community boards and committees to include Arizona Cactus Pine Girl Scout Council, Northern Arizona Healthcare, Boys & Girls Club of Central Arizona, Lowell Observatory Foundation, Forest Highlands Foundation, McDowell Sonoran Conservancy. Her community engagement passion is for youth, education, youth sports, and the environment.
Most recently, Teri was named to Forbes Best-In-State Wealth Advisors (2021-2024), Forbes Top Women Wealth Advisors (2020-2024), and Barron’s Top 1200 (2023).
A runner, cyclist and former triathlete, Teri has qualified for and raced multiple Boston Marathons, competed in five Ironman triathlons to include the elite Kona World Championship. She and her husband have two adult children, two elementary age boys and a Goldendoodle named Leia. They love spending time in Flagstaff, sand in their toes and adventure travel.
2021-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2021-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2020-2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2020-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2023) Data compiled by Barron's based on time period from Sept 2021 - Sept 2022.
Managing Director
Family Wealth Director
Chartered Advisor in Philanthropy
Teri leads our wealth planning practice where she is responsible for client engagement with corporate executives and business owners. Her practice includes uniquely successful executives, entrepreneurs, and multi-generational families. Teri provides her clients with investment wealth planning to include employing sophisticated tax and debt strategies to help them define and reach objectives.
Helping clients make educated decisions has been Teri’s passion throughout her career. She believes in forming personal relationships with her clients to help them identify and articulate their unique goals for themselves, their businesses, and their families. As a Chartered Advisor in Philanthropy, Teri enjoys working with families to help them develop their philanthropic goals and instill belief systems within the family.
Prior to joining Smith Barney in 2003, Teri was a product manager for a large national bank and in sales for a dog toy company. She received her M.B.A. from Arizona State University’s W.P. Carey School of Business and her B.A. in Communication Studies from the University of Alabama at Birmingham. She completed the Certified Investment Management Analyst® program at Wharton School at University of Pennsylvania and earned the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation from the Certified Financial Planner® Board of Standards, an independent regulatory organization.
Teri serves on the national board for Women’s Leadership Alliance, an organization whose mission is to attract more women into the business of financial advice, and to support and empower them as they develop. Teri has been on various community boards and committees to include Arizona Cactus Pine Girl Scout Council, Northern Arizona Healthcare, Boys & Girls Club of Central Arizona, Lowell Observatory Foundation, Forest Highlands Foundation, McDowell Sonoran Conservancy. Her community engagement passion is for youth, education, youth sports, and the environment.
Most recently, Teri was named to Forbes Best-In-State Wealth Advisors (2021-2024), Forbes Top Women Wealth Advisors (2020-2024), and Barron’s Top 1200 (2023).
A runner, cyclist and former triathlete, Teri has qualified for and raced multiple Boston Marathons, competed in five Ironman triathlons to include the elite Kona World Championship. She and her husband have two adult children, two elementary age boys and a Goldendoodle named Leia. They love spending time in Flagstaff, sand in their toes and adventure travel.
2021-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2021-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2020-2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2020-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2023) Data compiled by Barron's based on time period from Sept 2021 - Sept 2022.
Securities Agent: IA, HI, UT, MD, MA, GA, AR, TX, TN, SC, OR, DC, NV, NC, MI, CO, WI, PA, NM, MN, AK, OK, CT, WA, OH, NY, KY, KS, ID, CA, AZ, MO, IN, FL, DE, WY, VA, NJ, IL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1460467
CA Insurance License #: 0E94560
NMLS#: 1460467
CA Insurance License #: 0E94560
About Matthew Gimmelli
Matthew A. Gimmelli, CFA®
Managing Director, Financial Advisor
Senior Portfolio Management Director
Financial Advisor
Matthew Gimmelli is a Chartered Financial Analyst® (CFA), Managing Director and Senior Portfolio Management Director for Viewpoint Wealth Management Group at Morgan Stanley. As one of the senior partners, Matt concentrates on portfolio management, investment oversight and research for Viewpoint Wealth Management Group clients.
As a Chartered Financial Analyst® (CFA), Matt holds an elite certification that incorporates investment theory, advanced research and analytical skills, and portfolio management. Matt draws on this vast depth of knowledge to create, implement, and manage investment portfolios for clients which are led by their specific objectives. He incorporates a fundamental approach to portfolio construction and works closely with the team’s relationship managers to uncover opportunities to enhance individual client investment strategies.
Matt also oversees research and investment due diligence for Viewpoint Wealth Management Group. This entails vetting best-fit solutions for individual and institutional clients around tax-smart investing, alternative investments, and various investment vehicles. He effectively manages internal resources and relationships with external funds managers in order to provide access to key investment opportunities for our clients while controlling overall expense. He is proficient in managing needs for clients within the Executive Financial Services and Institutional segments of Morgan Stanley. This includes leading 10b5-1 transactions for public company insiders, corporate cash management, and investment oversight for corporate retirement and endowment funds.
Matt was named to Barrons Top 1200 Advisors (2023), Forbes Best-In-State Wealth Advisors (2021-2022). He received his B.S. in Finance from Arizona State University and has excelled within the field of Wealth Management for nearly 30 years. Personally, Matt enjoys golf, Cowboys football, and spending time with his wife Christa and their two adult children.
NMLS#: 1460466
Disclosures:
Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2023) Data compiled by Barron's based on time period from Sept 2021 - Sept 2022.
Source: Forbes.com (Awarded Feb 2021) Data compiled by SHOOK Research LLC based on time period from 6/30/19 - 6/30/20.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Managing Director, Financial Advisor
Senior Portfolio Management Director
Financial Advisor
Matthew Gimmelli is a Chartered Financial Analyst® (CFA), Managing Director and Senior Portfolio Management Director for Viewpoint Wealth Management Group at Morgan Stanley. As one of the senior partners, Matt concentrates on portfolio management, investment oversight and research for Viewpoint Wealth Management Group clients.
As a Chartered Financial Analyst® (CFA), Matt holds an elite certification that incorporates investment theory, advanced research and analytical skills, and portfolio management. Matt draws on this vast depth of knowledge to create, implement, and manage investment portfolios for clients which are led by their specific objectives. He incorporates a fundamental approach to portfolio construction and works closely with the team’s relationship managers to uncover opportunities to enhance individual client investment strategies.
Matt also oversees research and investment due diligence for Viewpoint Wealth Management Group. This entails vetting best-fit solutions for individual and institutional clients around tax-smart investing, alternative investments, and various investment vehicles. He effectively manages internal resources and relationships with external funds managers in order to provide access to key investment opportunities for our clients while controlling overall expense. He is proficient in managing needs for clients within the Executive Financial Services and Institutional segments of Morgan Stanley. This includes leading 10b5-1 transactions for public company insiders, corporate cash management, and investment oversight for corporate retirement and endowment funds.
Matt was named to Barrons Top 1200 Advisors (2023), Forbes Best-In-State Wealth Advisors (2021-2022). He received his B.S. in Finance from Arizona State University and has excelled within the field of Wealth Management for nearly 30 years. Personally, Matt enjoys golf, Cowboys football, and spending time with his wife Christa and their two adult children.
NMLS#: 1460466
Disclosures:
Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2023) Data compiled by Barron's based on time period from Sept 2021 - Sept 2022.
Source: Forbes.com (Awarded Feb 2021) Data compiled by SHOOK Research LLC based on time period from 6/30/19 - 6/30/20.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Securities Agent: NC, MO, TN, HI, AZ, PA, OH, MD, KY, DC, VA, TX, NV, AR, AK, WA, OK, NY, MI, IN, ID, DE, CA, OR, NE, MN, IA, GA, WY, WI, UT, SC, MA, KS, FL, IL, NM, CT, CO, NJ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1460466
CA Insurance License #: 0H35699
NMLS#: 1460466
CA Insurance License #: 0H35699
About Megan Osbrink
Megan Osbrink is a Vice President, Certified Financial Planner (CFP®) and Portfolio Manager with Viewpoint Wealth Management Group at Morgan Stanley. She leverages her diverse background to help identify key opportunities for her clients and to drive a cohesive financial strategy.
Megan received her B.A. in Finance and a minor in Spanish from the University of Arizona in 2006. She went on to complete an intensive credit and risk management program sponsored by Wells Fargo Bank with an emphasis on middle market commercial lending working with clients between $15MM-$500MM in revenue. Subsequently, Megan received her Certificate in Financial Planning from the Pepperdine Graziadio Business School and earned her CFP designation in 2020. Megan has shown proficiency in portfolio construction, investment management, and planning around executive stock based compensation strategies as evidenced by the Portfolio Manager and Workplace Advisor – Equity Compensation designations earned most recently. Megan is also a Qualified Plan Financial Consultant (QPFC) which is the professional credential to demonstrate her proficiency in supporting qualified retirement plan administration, design, compliance, and fiduciary duties.
Megan works to ensure her clients feel heard, educated, and in-touch with their current financial strategy. She is highly proactive, organized and entrepreneurial which helps her to develop out-of-the-box solutions for her clients and their businesses. Her extensive knowledge and experience reinforces her ability to help manage complex pre and post retirement needs with the service mindset that one would expect from their elite providers. Megan’s sole aim is to help her clients maximize their own time, affording them the ability to stay focused on their families and/or professional goals. They find comfort knowing that she is dedicated to their financial well-being and will actively communicate items that require their attention.
Personally, she enjoys leading an active lifestyle and spending time with her two daughters, Keira and Annie, whom she continues to learn from every day. She is passionate about animal welfare and causes that support women and children.
"Enjoy the little things, for one day you may look back and realize they were the big things." Robert Brault
Megan received her B.A. in Finance and a minor in Spanish from the University of Arizona in 2006. She went on to complete an intensive credit and risk management program sponsored by Wells Fargo Bank with an emphasis on middle market commercial lending working with clients between $15MM-$500MM in revenue. Subsequently, Megan received her Certificate in Financial Planning from the Pepperdine Graziadio Business School and earned her CFP designation in 2020. Megan has shown proficiency in portfolio construction, investment management, and planning around executive stock based compensation strategies as evidenced by the Portfolio Manager and Workplace Advisor – Equity Compensation designations earned most recently. Megan is also a Qualified Plan Financial Consultant (QPFC) which is the professional credential to demonstrate her proficiency in supporting qualified retirement plan administration, design, compliance, and fiduciary duties.
Megan works to ensure her clients feel heard, educated, and in-touch with their current financial strategy. She is highly proactive, organized and entrepreneurial which helps her to develop out-of-the-box solutions for her clients and their businesses. Her extensive knowledge and experience reinforces her ability to help manage complex pre and post retirement needs with the service mindset that one would expect from their elite providers. Megan’s sole aim is to help her clients maximize their own time, affording them the ability to stay focused on their families and/or professional goals. They find comfort knowing that she is dedicated to their financial well-being and will actively communicate items that require their attention.
Personally, she enjoys leading an active lifestyle and spending time with her two daughters, Keira and Annie, whom she continues to learn from every day. She is passionate about animal welfare and causes that support women and children.
"Enjoy the little things, for one day you may look back and realize they were the big things." Robert Brault
Securities Agent: MO, MI, VA, OH, DE, NJ, IL, HI, CO, AZ, WA, KY, KS, AR, NM, MN, MA, IN, ID, IA, CA, WY, TX, TN, OR, AK, UT, PA, MD, SC, NC, FL, WI, NY, GA, CT, OK, DC, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1819611
CA Insurance License #: 0M88520
NMLS#: 1819611
CA Insurance License #: 0M88520
About Scott Ladrigan
Scott Ladrigan
First Vice President
Investment Consultant
Scott Ladrigan is a Investment Consultant with Viewpoint Wealth Management Group at Morgan Stanley. With over 20 years in the financial services industry, Scott focuses on custom investment solutions as well as investment research and portfolio management.
A graduate of Arizona State University, Scott earned his Bachelor’s Degree in 2000 and joined Morgan Stanley in the Operations and Sales Division after graduation. Scott has spent over 20 years with the firm, first as a Relationship Manager and then as a Business Development Manager. As Relationship Manager, Scott monitored and helped manage client relationships to ensure a consistently positive experience for the firm’s clients. As Business Development Manager, he explored potential business relationships by analyzing market strategies and evaluating risk, priorities, and opportunities. Scott completed Morgan Stanley’s rigorous Financial Advisor Associate Program, an intense 36-month training and development program in the fundamentals of wealth accumulation and management for high net worth individuals.
Scott works closely with his clients to determine their needs in the present and their goals for the future. Utilizing Morgan Stanley’s comprehensive LifeView® Financial Goal Analysis tool, he helps to construct sophisticated wealth management strategies based on those targets while incorporating tax mitigation, risk tolerance, and cash flow needs. Deeply committed to ongoing review, Scott evaluates and adjusts each financial plan to help ensure it remains clearly focused on his clients’ objectives.
In his free time, Scott enjoys time spent with his son, classic automobiles, skateboarding, snowboarding, waterskiing, barbequing and exploring OHV trails in southwestern United States from his home base in Scottsdale.
A LifeView Financial Goal Analysis is based on the methodology, estimates, and assumptions, as described in your report, as well as personal data provided by you. It should be considered a working document that can assist you with your objectives. Morgan Stanley makes no guarantees as to future results or that an individual’s investment objectives will be achieved. The responsibility for implementing, monitoring and adjusting your goal analysis or financial plan rests with you. After your Financial Advisor delivers your report to you, if you so desire, your Financial Advisor can help you implement any part that you choose; however, you are not obligated to work with your Financial Advisor or Morgan Stanley.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using LifeView Goal Analysis : When your Financial Advisor prepares and delivers a Financial Goal Analysis (i.e., when using LifeView Goal Analysis), they will be acting in a brokerage capacity. 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
First Vice President
Investment Consultant
Scott Ladrigan is a Investment Consultant with Viewpoint Wealth Management Group at Morgan Stanley. With over 20 years in the financial services industry, Scott focuses on custom investment solutions as well as investment research and portfolio management.
A graduate of Arizona State University, Scott earned his Bachelor’s Degree in 2000 and joined Morgan Stanley in the Operations and Sales Division after graduation. Scott has spent over 20 years with the firm, first as a Relationship Manager and then as a Business Development Manager. As Relationship Manager, Scott monitored and helped manage client relationships to ensure a consistently positive experience for the firm’s clients. As Business Development Manager, he explored potential business relationships by analyzing market strategies and evaluating risk, priorities, and opportunities. Scott completed Morgan Stanley’s rigorous Financial Advisor Associate Program, an intense 36-month training and development program in the fundamentals of wealth accumulation and management for high net worth individuals.
Scott works closely with his clients to determine their needs in the present and their goals for the future. Utilizing Morgan Stanley’s comprehensive LifeView® Financial Goal Analysis tool, he helps to construct sophisticated wealth management strategies based on those targets while incorporating tax mitigation, risk tolerance, and cash flow needs. Deeply committed to ongoing review, Scott evaluates and adjusts each financial plan to help ensure it remains clearly focused on his clients’ objectives.
In his free time, Scott enjoys time spent with his son, classic automobiles, skateboarding, snowboarding, waterskiing, barbequing and exploring OHV trails in southwestern United States from his home base in Scottsdale.
A LifeView Financial Goal Analysis is based on the methodology, estimates, and assumptions, as described in your report, as well as personal data provided by you. It should be considered a working document that can assist you with your objectives. Morgan Stanley makes no guarantees as to future results or that an individual’s investment objectives will be achieved. The responsibility for implementing, monitoring and adjusting your goal analysis or financial plan rests with you. After your Financial Advisor delivers your report to you, if you so desire, your Financial Advisor can help you implement any part that you choose; however, you are not obligated to work with your Financial Advisor or Morgan Stanley.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using LifeView Goal Analysis : When your Financial Advisor prepares and delivers a Financial Goal Analysis (i.e., when using LifeView Goal Analysis), they will be acting in a brokerage capacity. 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
NMLS#: 1426081
CA Insurance License #: 0L08255
CA Insurance License #: 0L08255
About Monika Kotowski
Monika Kotowski
Associate Vice President
Investment Consultant
Monika Kotowski manages client relationships for Viewpoint Wealth Management Group clients. She has extensive experience in discovery and learning what’s most important to our clients. Monika is a client favorite, working with families to understand their needs and make smart decisions that allow them to accomplish their lifelong goals.
Monika also oversees financial planning for Viewpoint. Her background includes various activities within the team, to include marketing and institutional and private client operations.
Associate Vice President
Investment Consultant
Monika Kotowski manages client relationships for Viewpoint Wealth Management Group clients. She has extensive experience in discovery and learning what’s most important to our clients. Monika is a client favorite, working with families to understand their needs and make smart decisions that allow them to accomplish their lifelong goals.
Monika also oversees financial planning for Viewpoint. Her background includes various activities within the team, to include marketing and institutional and private client operations.
NMLS#: 2594418
About Dylan Cooper Hoffman
Dylan Cooper Hoffman
Financial Advisor
Dylan Cooper Hoffman is a Financial Advisor within the Viewpoint team. She’s focused on uncovering client needs and delivering value across financial planning and investment strategies.
Dylan’s background with Morgan Stanley is in understanding the needs of stock plan participants and providing guidance on how to diversify and protect their wealth as it is accumulated through stock grants.
Dylan attended Northern Arizona University, where she graduated with a B.S. in Investment Finance. Upon graduation, she worked at Vanguard where she found her passion in building relationships with clients. She later transitioned to Morgan Stanley in 2018, and since obtained her Certified Financial Planner (CFP®) designation.
Born and raised in Arizona, Dylan loves to cook and considers herself a self-made (wannabe) chef. Outside of the office, you can find her scouting out a new restaurant with her husband and two doodle dogs Stanley and Drexler.
Financial Advisor
Dylan Cooper Hoffman is a Financial Advisor within the Viewpoint team. She’s focused on uncovering client needs and delivering value across financial planning and investment strategies.
Dylan’s background with Morgan Stanley is in understanding the needs of stock plan participants and providing guidance on how to diversify and protect their wealth as it is accumulated through stock grants.
Dylan attended Northern Arizona University, where she graduated with a B.S. in Investment Finance. Upon graduation, she worked at Vanguard where she found her passion in building relationships with clients. She later transitioned to Morgan Stanley in 2018, and since obtained her Certified Financial Planner (CFP®) designation.
Born and raised in Arizona, Dylan loves to cook and considers herself a self-made (wannabe) chef. Outside of the office, you can find her scouting out a new restaurant with her husband and two doodle dogs Stanley and Drexler.
Securities Agent: NH, HI, OR, MN, VI, PA, NJ, ID, DC, WY, WV, FL, CO, AK, UT, MI, CA, TN, SD, RI, OK, NY, VA, TX, NE, MS, ME, MD, MA, KS, IN, AR, SC, PR, GA, ND, MO, IA, DE, AL, OH, NV, NM, NC, LA, KY, IL, CT, AZ, WI, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 2597490
CA Insurance License #: 4474621
NMLS#: 2597490
CA Insurance License #: 4474621
About Megan Engle
Megan Engle
Portfolio Associate
Financial Planning Associate
Megan is a Portfolio Associate & Financial Planning Specialist with the Viewpoint Wealth Management Group at Morgan Stanley. With over 20 years of experience in the financial services industry, Megan manages administrative operations and client services. She makes a difference by redefining what is to fulfill customer’s needs better than they thought possible.
Starting out in the financial services industry in 1999, Megan helped oversee all day-to-day client service first at Merrill Lynch, and then at UBS where she spent eight years. As a valued member of the Viewpoint Wealth Management Group at Morgan Stanley, Megan prides herself on the concierge-level customer service she provides for her clients. Always proactive in her client dealings, she manages new client onboarding, 401K rollovers, estate distributions and workflow for the team.
Outside of work, Megan enjoys spending time with her family, roading, and getting her hands dirty with DIY projects. When asked what her favorite part of working with the team is, Megan said “I enjoy being part of the Viewpoint Wealth Management family where the culture of treating people with respect, listening and always have the clients best interest in mind is a perfect match for my ‘do the right thing’ attitude.”
Portfolio Associate
Financial Planning Associate
Megan is a Portfolio Associate & Financial Planning Specialist with the Viewpoint Wealth Management Group at Morgan Stanley. With over 20 years of experience in the financial services industry, Megan manages administrative operations and client services. She makes a difference by redefining what is to fulfill customer’s needs better than they thought possible.
Starting out in the financial services industry in 1999, Megan helped oversee all day-to-day client service first at Merrill Lynch, and then at UBS where she spent eight years. As a valued member of the Viewpoint Wealth Management Group at Morgan Stanley, Megan prides herself on the concierge-level customer service she provides for her clients. Always proactive in her client dealings, she manages new client onboarding, 401K rollovers, estate distributions and workflow for the team.
Outside of work, Megan enjoys spending time with her family, roading, and getting her hands dirty with DIY projects. When asked what her favorite part of working with the team is, Megan said “I enjoy being part of the Viewpoint Wealth Management family where the culture of treating people with respect, listening and always have the clients best interest in mind is a perfect match for my ‘do the right thing’ attitude.”
About Chris Gillespie
Chris Gillespie
Senior Registered Client Service Associate
Chris has been with Morgan Stanley since 2014 as a registered associate. Passionate about making the client experience always a positive one, she is responsible for the day to day administrative and operational needs of financial advisors and clients.
Born and raised in Michigan, Chris now resides in Arizona with her husband of 29 years and their Boston Terrier, “Cooper”. Chris is excited to be near family after being apart from her siblings for more than 15 years.
Outside of the office, her passions include volunteering, golfing, reading and spending time with her husband John and Cooper.
Fun Fact: Over the course of 4 years Chris and John fostered about 15 West Highland White Terriers. They were “foster flunkies” and adopted 3 of them for their own
Senior Registered Client Service Associate
Chris has been with Morgan Stanley since 2014 as a registered associate. Passionate about making the client experience always a positive one, she is responsible for the day to day administrative and operational needs of financial advisors and clients.
Born and raised in Michigan, Chris now resides in Arizona with her husband of 29 years and their Boston Terrier, “Cooper”. Chris is excited to be near family after being apart from her siblings for more than 15 years.
Outside of the office, her passions include volunteering, golfing, reading and spending time with her husband John and Cooper.
Fun Fact: Over the course of 4 years Chris and John fostered about 15 West Highland White Terriers. They were “foster flunkies” and adopted 3 of them for their own
About Fernando Sandoval Luna
Fernando joined Viewpoint Wealth Management Group at Morgan Stanley in January 2024. His role is supporting clients in their day-to-day account needs and providing operational support to the team.
Fernando began his career at Morgan Stanley in 2021. Born and raised in California, Fernando received his Bachelor’s degree from The University of California, with a degree in Economics.
Outside of the office, you can catch Fernando trying out the newest restaurants, spending time with friends, and attending gym classes.
Fernando began his career at Morgan Stanley in 2021. Born and raised in California, Fernando received his Bachelor’s degree from The University of California, with a degree in Economics.
Outside of the office, you can catch Fernando trying out the newest restaurants, spending time with friends, and attending gym classes.
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Awards and Recognition
Forbes America's Top Wealth Management Teams
2023-2025 Forbes America's Top Wealth Management Teams Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year the award was issued.
Barron's Top 1,200 Financial Advisors: State-by-State
2024-2025 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State) Source: Barrons.com (Awarded 2024-2025). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Forbes America's Top Women Wealth Advisors
2024-2025 Forbes America's Top Women Wealth Advisors (formerly referred to as Forbes Top Women Wealth Advisors) Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in September of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisors
2024-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
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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
Nikki Ranck
Private Banker
Clint Eddy
Family Office Resource Generalist
About Nikki Ranck
Nikki Ranck is a Private Banker serving Morgan Stanley Wealth Management offices in Arizona and New Mexico.
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.
Nikki began her career in financial services in 2006 and joined Morgan Stanley in 2022 as a Private Banker. Prior to joining the firm, she was a Senior Client Service Associate at JP Morgan’s Private Bank. She also served as a Mortgage Banker and Branch Manager at JP Morgan Chase, and a Service Manager and Personal Banker at Wells Fargo Bank, N.A.
Nikki lives in Scottsdale, Arizona with her family. Outside of the office, she enjoys traveling and spending time with her family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Nikki began her career in financial services in 2006 and joined Morgan Stanley in 2022 as a Private Banker. Prior to joining the firm, she was a Senior Client Service Associate at JP Morgan’s Private Bank. She also served as a Mortgage Banker and Branch Manager at JP Morgan Chase, and a Service Manager and Personal Banker at Wells Fargo Bank, N.A.
Nikki lives in Scottsdale, Arizona with her family. Outside of the office, she enjoys traveling and spending time with her family.
NMLS#: 1075581
About Clint Eddy
Clint Eddy is an Executive Director with the Family Office Resources (FOR) team at Morgan Stanley. As a Generalist with FOR he helps clients and Advisors curate and navigate an expansive suite of highly specialized resources to address the complex, multifaceted challenges of managing significant wealth so clients may make complicated decisions confidently.
Prior to joining Morgan Stanley in 2022, Clint was a Wealth Strategist at Merrill Lynch for over 15 years. Clint also practiced tax and business law at the law firm of Fox Rothschild for over six years. He was a member of the firm’s Estate Planning and Tax and Corporate Transactions groups. Clint is a member of Washington State Bar Association (WSBA) and is actively involved in the WSBA’s Real Property, Probate and Trust section. He is the co-author of the Washington Partnership and Limited Liability Company Deskbook and was named a “Rising Star” by Washington Law and Politics magazine.
Clint received his Master of Laws in Taxation from the University of Washington School of Law, his Juris Doctor from the University of Oregon School of Law, and his Bachelor of Arts from the University of Washington. He is Series 7 and 66 licensed.
Outside of work Clint is an avid, but admittedly, pretty awful skier. He and his fiancé live in Seattle with their 10 year old Boston Terrier named Annie.
Prior to joining Morgan Stanley in 2022, Clint was a Wealth Strategist at Merrill Lynch for over 15 years. Clint also practiced tax and business law at the law firm of Fox Rothschild for over six years. He was a member of the firm’s Estate Planning and Tax and Corporate Transactions groups. Clint is a member of Washington State Bar Association (WSBA) and is actively involved in the WSBA’s Real Property, Probate and Trust section. He is the co-author of the Washington Partnership and Limited Liability Company Deskbook and was named a “Rising Star” by Washington Law and Politics magazine.
Clint received his Master of Laws in Taxation from the University of Washington School of Law, his Juris Doctor from the University of Oregon School of Law, and his Bachelor of Arts from the University of Washington. He is Series 7 and 66 licensed.
Outside of work Clint is an avid, but admittedly, pretty awful skier. He and his fiancé live in Seattle with their 10 year old Boston Terrier named Annie.
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
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
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
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Portfolio Insights
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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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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
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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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
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
Small Business Retirement Plans
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Viewpoint Wealth Management Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan 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.
6Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
7Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
8Morgan 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan 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.
6Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
7Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
8Morgan 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)
