Desiree J. Davenhill
Senior Registered Client Service Associate
Phone:
(503) 534-3427(503) 534-3427
Don Zabudsky, CIMA®, CPWA®
Managing Director,
Executive Financial Services Director,
Senior Portfolio Management Director,
Alternative Investments Director,
Financial Advisor
Lake Oswego:
(503) 221-8708(503) 221-8708
Toll-Free:
(800) 767-7824(800) 767-7824
Industry Award WinnerMy Mission Statement
To serve as a trusted advisor to my clients, providing thoughtful plans to build, preserve and transfer wealth.
My Story and Services
When your financial life reaches a certain level of complexity — equity compensation from a tech career, a business you’re preparing to sell, wealth you want to protect across generations, or philanthropic goals you want to fund strategically — you may benefit from a coordinated team of professionals working together to help address your financial priorities.
That’s the experience I’ve built over 30 years.
As a Managing Director at Morgan Stanley, I lead the 45 North Wealth Management Group — a 12-person team providing access to Family Office resources for affluent families and business owners. We can coordinate with your CPAs, estate attorneys, insurance specialists, and trust advisors. I aim to serve as a central point of coordination—helping to facilitate communication and keep efforts aligned with your goals
This type of coordinated approach has often been associated with very high-net-worth families. Our approach is designed to help extend coordination and attention to a broader range of eligible clients.
My areas of focus include tax management strategies, estate planning strategies and multi-generational wealth transfer considerations, business succession and exit planning, equity compensation strategies for tech executives, risk management planning, charitable and philanthropic planning, retirement income strategies, 401(k) rollovers, corporate retirement plans, and alternative investments.
I earned my Certified Investment Management Analyst® (CIMA®) designation through The Wharton School at the University of Pennsylvania and my Certified Private Wealth Advisor® (CPWA®) through the Investments & Wealth Institute. I’ve been named a Forbes Best-In-State Wealth Advisor (#8 in Oregon) every year from 2022 to 2025, and to Morgan Stanley’s President’s Club in 2022, 2023, and 2024.
I began my career in 1995 with Dean Witter and have been with Morgan Stanley since 2009. I’m a member of the Investments & Wealth Institute and serve on the Friends of Doernbecher Board at OHSU.
Outside the office, I enjoy traveling, basketball, boating, and time with my wife Erica, our three boys, and our Bernese Mountain Dog. Erica also runs Z Candles, a hand-poured soy candle business and candle-making studio in Lake Oswego.
If you’re a successful individual or family looking for a more coordinated approach to your wealth, or a professional interested in collaborating to support shared clients through a unified team approach, I’d welcome a conversation.
Disclosures:
Morgan Stanley Wealth Management President’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. President’s Club membership is no guarantee of future performance.
2022-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award. Award Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure/
That’s the experience I’ve built over 30 years.
As a Managing Director at Morgan Stanley, I lead the 45 North Wealth Management Group — a 12-person team providing access to Family Office resources for affluent families and business owners. We can coordinate with your CPAs, estate attorneys, insurance specialists, and trust advisors. I aim to serve as a central point of coordination—helping to facilitate communication and keep efforts aligned with your goals
This type of coordinated approach has often been associated with very high-net-worth families. Our approach is designed to help extend coordination and attention to a broader range of eligible clients.
My areas of focus include tax management strategies, estate planning strategies and multi-generational wealth transfer considerations, business succession and exit planning, equity compensation strategies for tech executives, risk management planning, charitable and philanthropic planning, retirement income strategies, 401(k) rollovers, corporate retirement plans, and alternative investments.
I earned my Certified Investment Management Analyst® (CIMA®) designation through The Wharton School at the University of Pennsylvania and my Certified Private Wealth Advisor® (CPWA®) through the Investments & Wealth Institute. I’ve been named a Forbes Best-In-State Wealth Advisor (#8 in Oregon) every year from 2022 to 2025, and to Morgan Stanley’s President’s Club in 2022, 2023, and 2024.
I began my career in 1995 with Dean Witter and have been with Morgan Stanley since 2009. I’m a member of the Investments & Wealth Institute and serve on the Friends of Doernbecher Board at OHSU.
Outside the office, I enjoy traveling, basketball, boating, and time with my wife Erica, our three boys, and our Bernese Mountain Dog. Erica also runs Z Candles, a hand-poured soy candle business and candle-making studio in Lake Oswego.
If you’re a successful individual or family looking for a more coordinated approach to your wealth, or a professional interested in collaborating to support shared clients through a unified team approach, I’d welcome a conversation.
Disclosures:
Morgan Stanley Wealth Management President’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. President’s Club membership is no guarantee of future performance.
2022-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award. Award Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure/
Securities Agent: RI, CO, WI, MD, KY, AL, VT, UT, MS, GA, WV, NM, MT, IL, IA, CA, AZ, OR, OK, NJ, MO, ME, LA, IN, MN, ID, DE, DC, CT, WA, TX, TN, SD, SC, NY, NH, MA, AK, HI, PA, OH, KS, AR, WY, NV, VA, NE, ND, NC, MI, FL; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1261845
CA Insurance License #: 0L50264
NMLS#: 1261845
CA Insurance License #: 0L50264
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Managing Your Money In the 21st Century
Morgan Stanley offers a comprehensive suite of tools to manage your wealth more effectively in today's busy world. We are happy to assist you in signing up for any of those.
Morgan Stanley Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on the mobile app.
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Morgan Stanley Ideas Podcast
Bringing you revealing stories about the world of business, finance, technology and beyond.
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Goals Planning System (GPS)
GPS is our financial planning software. It helps define what you want out of life, so we can create a financial framework to bring these goals to fruition.
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GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
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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.
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On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
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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.
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Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends i the financial marketplace.
Click here to listenI help successful individuals and entities pursue their financial goals through dynamic investment options designed to help achieve long term objectives. I am committed to a transparent, process oriented culture designed to help you achieve, maintain, and ultimately transfer wealth.
The investment vehicles and strategic approach that make up the foundation of your financial plan will be based solely on your needs and circumstances. With the resources of a diverse team of professionals, coupled with the stability and innovation of Morgan Stanley, I am committed to advising your with a high level of personal attention and responsiveness
The investment vehicles and strategic approach that make up the foundation of your financial plan will be based solely on your needs and circumstances. With the resources of a diverse team of professionals, coupled with the stability and innovation of Morgan Stanley, I am committed to advising your with a high level of personal attention and responsiveness
2021, 2022, 2023 Forbes Best-In-State Wealth Advisors
Donald Zabudsky was named as #8 to the Forbes list of Best-in-State Wealth Advisors of 2023.
2021-2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2021-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2023?cid=whmt-smfa-2023for-13818
2021-2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2021-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2023?cid=whmt-smfa-2023for-13818
Morgan Stanley President's Club 2022, 2023, 2024
Don has been named to the firm's prestigious Presidents Club, an elite group composed of the firms top Financial Advisors, in 2022, 2023, and 2024. The appointment recognizes Don's consistent creativity and excellence in providing a wide range of investment products and wealth management services to his clients.
CIMA®
This certification, offered and recognized by the Investments & Wealth Institute, indicates that Advisors have the knowledge, experience and skills necessary to build better quality investment portfolios.
CPWA®
This certification, offered and recognized by the Investments & Wealth Institute, is an advanced professional certification for advisors who serve high-net-worth clients. It’s designed for seasoned professionals who seek the latest, most advanced knowledge and techniques to address the sophisticated needs of clients.
2024 Forbes Best-in-State Wealth Management Teams
The 45 North Group was named on Forbes' 2024 Best-in-State Wealth Management Teams annual ranking.
[Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23.(https://www.morganstanley.com/disclosures/awards-disclosure/)]
Click Here to Learn More[Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23.(https://www.morganstanley.com/disclosures/awards-disclosure/)]
My Services
Financial Planning
Your goals, assets, liabilities and other important information are gathered and analyzed. I then use my perspective and experience with other unique clients like you to make recommendations on spending, giving and living.
Wealth Management
I take a holistic approach to bring all aspects of your financial life together. I use my analysis and experience to develop a customized plan for you.
Retirement Planning
This is paramount in ensuring a successful retirement. I bring intense focus on this process. You have worked hard to get where you are. Now it is up to me to help you live the retirement you have always dreamed of.
Corporate Retirement Plans
I work with companies to develop and manage their corporate retirement plans. Let me bring my experience and resources to the table to take this burden off of you.
Business Succession Planning
A lot of thought and planning goes into a successful succession strategy. I can help you navigate the requirements of working with other professionals to achieve the results you want.
Asset Management
Based on your goals, assets, and input, I create an investment strategy tailored to your unique needs.
Business Planning
I can help you by sharing my experience in helping other business owners just like you. I have ideas and strategies to help grow or sell your business.
401(k) Rollovers
If you have a 401(k) from a previous job, I make it easy to consolidate your assets into one account so you can monitor your progress and investment results in one place. This helps simplify your financial life, keeps you organized and makes your money work harder for you.
We host regular workshops on retirement readiness for tech professionals and advanced planning roundtables for affluent families. To receive an invitation to our next event, contact Desiree Davenhill at 503.534.3427 or desiree.davenhill@morganstanley.com.
Details
- Speaker: Donald Zabudsky, CIMA® CPWA®, Managing Director, Executive Financial Services Director, Senior Portfolio Management Director, Financial Advisor
- Date: TBD
- Time: 12 pm Noon PST
- Where: Zoom – details provided upon RSVP
Location
4800 Meadows Rd
Ste 400
Lake Oswego, OR 97035
US
Direct:
(503) 221-8708(503) 221-8708
Toll-Free:
(800) 767-7824(800) 767-7824
Meet My Team
Brady Suddendorf
Registered Client Service Associate
Phone:
(503) 221-8609(503) 221-8609
About Brady Suddendorf
Brady is a Cincinnati native who graduated from the University of Cincinnati in 2020 with a B.A. in Finance and Entrepreneurship. He joined Morgan Stanley in 2022 in Baltimore, Maryland where he supported a Baltimore based team. Recently, he moved with his girlfriend to NW Portland where he’d later join our team in May of 2024. Brady is fully licensed and currently handles all things client service related.
Awards and Recognition
Forbes Best-In-State Wealth Advisors
2022-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
2
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
Matthew Putterman
Planning Associate
About Matthew Putterman
Matthew Putterman is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Matthew provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Binghamton University and received the Financial Planning Specialist® designation from the College for Financial Planning. Matthew is originally from Brooklyn, NY and currently resides in Brooklyn, NY.
He earned his undergraduate degree from Binghamton University and received the Financial Planning Specialist® designation from the College for Financial Planning. Matthew is originally from Brooklyn, NY and currently resides in Brooklyn, NY.
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.
When 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.
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.
When 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.
Wealth Management
From My Desk
Are You Prepared for Tax Day?
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Boosting Participation in Your Company's 401(k) Plan
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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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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
Insights and Outcomes
Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
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 Don Zabudsky today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
3Alternative 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley 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.
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.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
3Alternative 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley 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.
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.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
