The dos Santos Group

Clarity Across Complexity
Wealth management is about stewardship — of your future and the legacy you choose to build. Often, that stewardship transcends generations. Sometimes, it crosses borders too. Almost always, it involves navigating consequential decisions within evolving financial landscapes.

Our team is uniquely positioned to manage your financial complexity with clarity, discretion, and precision. We have the experience to help anticipate every challenge. We have the resources to deliver tailored solutions. Most importantly, we have the passion and drive to help safeguard the future you envision, delivering wealth management service at the highest level.

Cross-Border. Cross-Generational
At our heart, we are independent thinkers who ask "why not?" and stay relentlessly available, because our clients often live globally, think multigenerational, and operate with intense complexity. From founders planning for a liquidity event, to executives navigating concentrated equity, to families managing multijurisdictional wealth, we work tirelessly to help bring clarity, strategy, and alignment to your financial life.

Direct Portfolio Management. Transparent by Design
We don't outsource your portfolio. We manage it directly — every position, every trade, across public and private markets. That means when you call, you're talking to the decision-makers. We know what you own. We know why you own it. And above all, we know how your investments fit into your big picture goals and priorities. This is real transparency. Real customization. Real accountability.

Distinctive Access. Uncompromising Service
Whether you're navigating concentrated stock, exploring private investments, or planning across borders, our team offers uncompromising access and service. We welcome the complex, the curious, and the committed — because building wealth is just the beginning.

For a second opinion about your current investments, or to talk about your goals, call us at (212) 893-6310.

Services Include
  • Lifestyle Planning
  • Alternative Investments
  • Legacy Planning
  • Investment Management
  • Tailored Lending
  • Business Planning
  • Professional Collaboration
  • Insurance Strategy
  • Cash Management
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

More Than Net Wealth

Whether managing wealth across generations, navigating life in multiple locations, or planning for the future, our clients face important decisions. We help them approach each one with clarity, thoughtful strategy, and intention. Here’s who we support:
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    Multigenerational Families
    One Family. Many Futures: We serve both the wealth creators building their legacy and the next generation tasked with carrying on the mission. For many clients, we work closely with children and grandchildren to provide education, guidance, and planning with the same attention we give to their parents and grandparents.
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    International Clients
    Global Reach. Individual Focus: Roughly half our clients have international or cross-border needs — and for good reason. Domitilia M. dos Santos is one of the few International Client Advisors at Morgan Stanley, authorized to open and manage accounts in over 68 countries. Fluent in five languages and deeply versed in the nuances of global portfolio construction, tax planning, and compliance, she offers unparalleled access and insight to clients navigating the unique intricacies of international finance — as well as to Morgan Stanley financial advisors seeking strategic partnership on complex cross-border matters.
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    Business Owners
    From Growth to Exit and Everything In Between: We work with entrepreneurs, founders, and family-run businesses to help build wealth that extends beyond the business. Whether you’re scaling, planning for succession, or preparing for a liquidity event, we help you structure and preserve what you’ve built — and turn it into long-term, multigenerational wealth.
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    Executives with Concentrated Stock
    We Help You Diversify Without Derailing: If you're a company executive or work in a tightly regulated industry, you know the challenge: limited trading windows, complex rules, and too much wealth riding on one stock. We help you unwind concentrated positions with precision needed to stay compliant, reduce risk, and turn equity into long-term flexibility.
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    Rising Professionals and Wealth Builders
    Earning Strongly. Planning Smartly: We work with individuals in the early stages of significant wealth accumulation — those often earning high incomes, receiving equity compensation, or on track to manage substantial assets in the future. Through thoughtful cash flow modeling, equity strategy, and access to private investment opportunities, we help you plan early for your long-term goals.
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    Select Institutions
    Impact Focused. Always: We work with a limited number of institutions that present distinctive, multifaceted challenges — where nuanced strategies and personalized service are essential. Our approach prioritizes thoughtful solutions tailored to the complexity of each institution’s unique financial landscape.
Aligning Impact with Opportunity
Years ago, during a period of market volatility, we worked with a client who regularly made charitable donations but was still facing a significant tax burden each year. After a thoughtful review of their holdings and overall financial picture, we identified a more strategic path forward. By aligning their contributions with a timely tax opportunity, we helped them dramatically expand their charitable impact while also realizing a meaningful deduction. The result was a simple yet sophisticated shift — one that elevated both purpose and financial efficiency, helping to reduce tax consequences through timely, well-informed advice.
Generations of Trust
What started as a chance connection with one of our clients years ago, grew into a relationship that has spanned decades and crossed continents. Over the years, the client trusted us through key life milestones — from sending their kids off to college and graduate school, and even relocating internationally. Two decades after first meeting, the client entrusted us once again to open an account for the next generation — their grandchildren. Today, we provide that same dedicated support and global guidance to multiple generations of the family, building trust that stands the test of time.
Service Beyond 9-5
While we pride ourselves on being a steady guide for our clients during life’s most pivotal moments, we also believe that it’s the small moments — those timely acts of service — that sometimes make all the difference. For example, while traveling abroad on vacation, a client suddenly found their credit card wasn’t working, causing an unexpected disruption. Even though their primary advisor was also on vacation, she immediately sprang into action — connecting the client with technical support and ensuring a swift resolution. This dedication exemplifies our commitment to being available whenever and wherever our clients need us, delivering seamless support that goes far beyond traditional office hours.
At the Dos Santos Group, wealth management isn’t just a service — it’s a lifelong relationship built on trust. That’s why we root our approach in more than just deep technical capabilities; we also aim to truly understand what matters most to you and adapt as your goals evolve.
    Your Story, Your Strategy
    We start by learning your full story — goals, challenges, legacy plans. Then we build a custom strategy engineered to evolve seamlessly with changing markets and life stages. Our multilingual team operates without borders, managing sophisticated portfolios and multigenerational dynamics with relentless focus and agility.
    The Drivers Behind Success
    • Rigorous financial diagnostics paired with your ambitions
    • Bespoke portfolio architecture tailored to your distinct needs
    • Dynamic oversight and nimble execution in real time
    • Seamless collaboration with your trusted legal and tax experts
    • Multi-generational education and stewardship (with fluency in English, Portuguese, French, Spanish, Italian and Hindi)
    • Elite accessibility, available well beyond traditional hours
    Core Values in Action
    We’re not just advisors — we’re guardians of your wealth and legacy. It is a responsibility we do not take lightly. Every day, we work tirelessly to deliver advice that serves your best interests with transparency, integrity, and discretion. We do not shy away from tough conversations, and we hold ourselves accountable to the highest standards — powered by Morgan Stanley’s unwavering principles, we:
    • Operate with uncompromising integrity and ownership
    • Lead through innovation and relentless pursuit of excellence
    • Put client interests at the absolute center of everything we do
    • Champion diversity as a source of strength and insight
    • Give back with purpose, shaping communities and future leaders
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If you are looking for a financial advisor in New York City with Portuguese roots, multilingual capabilities and extensive experience addressing sophisticated wealth needs, connect with Domitilia to discuss your priorities.

Guidance for an International Financial Life

Maintaining financial interests outside one's home country may create additional strategic, administrative and compliance considerations. Morgan Stanley International Wealth Management was established to help address these challenges through experienced perspective, focused resources and personalized service.

We begin by learning about each client's family, financial circumstances, priorities and preferences. We then help develop a customized strategy that can evolve as markets, goals and family needs change. This reflects Morgan Stanley's disciplined wealth-planning process, from discovery and asset allocation through implementation and ongoing assessment.

Who We Help

The dos Santos Group provides experienced financial guidance to clients at different stages of building and managing wealth, including:

  • Entrepreneurs preparing for or navigating a business sale
  • Executives managing rollovers, stock options or concentrated positions
  • Individuals and families with financial interests in the U.S. and abroad.
  • Globally mobile professionals and internationally connected families
  • Young professionals beginning to build meaningful wealth
  • Families preparing for retirement or transferring wealth to the next generation
How We Can Help

Depending on each client's circumstances, our work may include:

  • Financial and goals-based planning
  • Investment strategy and portfolio management
  • Coordination with clients' independent tax and legal advisors
  • Retirement and rollover planning
  • Executive stock and concentrated-position strategies
  • Access to non-traditional investments including sports, infrastructure and venture
  • Cash management and lending solutions
  • Currency exposure and risk-management considerations
  • Family governance and wealth education
  • Succession and multigenerational planning
  • Philanthropic planning

Through Morgan Stanley, The dos Santos Group can also connect clients with investment specialists, private bankers, institutional capabilities and third-party professionals. The firm's international platform includes wealth planning, risk management and investment capabilities across public and private markets.

Local Access. Global Perspective.

For individuals searching for a local financial advisor, a financial advisor in New York or a wealth advisor near me, our group offers local accessibility supported by international experience and the global resources of Morgan Stanley.

Domitilia's background includes a J.D. from Rutgers, service as an Associate Legal Officer with the United Nations and more than 30 years as a FINRA Arbitrator and Hearing Officer. She formed the dos Santos Group in 1992 and is a Senior Director of Morgan Stanley's Portfolio Management Group and a member of the firm's 2025 President's Club.

International Client Advisors are supported in developing an understanding of the economic and business environments in which their clients live and work, including the investment challenges and opportunities associated with particular regions.

A Global Outlook—and the Discipline to Go the Distance

Domitilia has visited 167 countries and completed more than 320 marathons in 43 countries. She has broken two Guinness World Records, including completing seven marathons in seven days on seven continents.

That endurance reflects the same qualities she brings to client relationships: preparation, discipline, perspective and commitment to long-term goals.

Location

399 Park Ave 12th
Fl
New York, NY 10022
US
Direct:
(212) 893-6310(212) 893-6310

Meet dos Santos Group

Photo of Paranj R. Patel

Paranj R. Patel, CFA®*, CFP®*, RMA®*, CEPA**

Assistant Vice President, Portfolio Management Associate
Phone:
(212) 893-6312(212) 893-6312
Photo of Adam M. Goldstein

Adam M. Goldstein, CAIA®*

Wealth Management Associate, Financial Planning Specialist*
Phone:
(212) 893-6314(212) 893-6314
Photo of Callie Ballaine

Callie Ballaine

Registered Client Service Associate
Phone:
(212) 893-7656(212) 893-7656
Photo of Alexander Kalemkeridis

Alexander Kalemkeridis

Client Service Associate

About Domitilia M. dos Santos

Domitilia M. dos Santos believes that every client, whether they’re an entrepreneur who just sold their company, a successful executive with two rollovers and stock options, or a young professional just starting out, deserves top-notch service and experienced financial guidance. For all of her extensive experience during more than three decades years in financial services, managing the assets of small institutional investors and high net worth private clients, Domitilia still derives great joy from helping people who are in the process of building their wealth. Her goal is to make every single client a better-informed investor.

Domitilia was born in Faro, Portugal and was the first in her family to graduate college when she received her bachelor’s degree from Drew University and then her J.D. from Rutgers. Fluent in Portuguese, Spanish and French, she joined the Secretariat of the United Nations as an Associate Legal Officer right out of law school. Pursuing her entrepreneurial dreams, Domitilia became a Financial Advisor, first with Merrill Lynch and then with Morgan Stanley, forming the dos Santos Group in 1992. She has achieved multiple Morgan Stanley designations and is also a member of the firm’s 2025 President’s Club and a Senior Director of its Portfolio Management Group. Domitilia has served as an Arbitrator and Hearing Officer with Financial Industry Regulatory Authority (FINRA) for more than 30 years.

A passionate runner, Domitilia has completed more than 320 marathons in 43 countries and has visited 167 countries total. Domitilia has broken 2 Guinness World Records for completing 7 marathons in 7 days in 7 continents and for being the oldest female to complete the Antarctica marathon. She is a Life Member of New York Road Runners, as well as a member of Marathon Maniacs, Marathon Globetrotters, and the 50 States Marathon Club. Despite her devotion to her clients and running, Domitilia slows down long enough to champion the arts in New York City as a supporter of The Metropolitan Opera, Carnegie Hall and Lincoln Center.

Below is a list of additional memberships and clubs which Domitilia is a part of:

The Economic Club of New York (ECNY)
The Trilateral Commission
Concordia
French Institute Alliance Française
Circulo Eca de Queiroz
Gremio Literario
Cervantes Institute
Circumnavigator’s Club
FAE (Forum de Administradores e Gestores de Empresas)
Conselho da Diaspora Portuguesa
SEDES
The Portuguese American Leadership Council of the United States (PALCUS)
Portugal-US Chamber of Commerce
Instituto de Medicina Molecular
Instituto Portuguese Corporate Governance
International Club of Portugal
New York Philharmonic
The Metropolitan Opera
Carnegie Hall
Lincoln Center
Alvin Ailey Dance Theatre
Irish Repertory Theatre
92nd Street NY
Joyce Theatre
Portfolio Management Institute (PMI)
Association of Professional Investment Consultants (APIC)
Circulo Richard Wagner
Back on My Feet

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.
Securities Agent: MI, TX, RI, MA, KY, GA, TN, PA, OR, MD, NC, IA, FL, CT, VA, CA, OH, NJ, WY, WA, OK, MO, DC, AL, NV, IL, NY, LA, DE, CO, UT; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279548

About Paranj R. Patel

Paranj Patel focuses on developing financial plans and conducting portfolio risk analyses for the clients of the dos Santos Group. As the group’s Wealth Management Analyst he also regularly tracks and reports on how client plans and portfolios are faring based on shifts and trends in the economy and markets. Paranj enjoys discussing and reviewing investment strategies and Morgan Stanley’s range of resources with clients, in an effort to help inform and empower them.

Growing up in India, Paranj knew he wanted to help others. He eventually became fascinated by numbers and business and decided to study Entrepreneurship and Finance at the Kelley School of Business at Indiana University. It was there that he realized he could combine his goals and interests by following a career in the financial advisory business. After graduating, Paranj became an Investment Advisor at Allied Millenial Partners before joining Morgan Stanley in 2020. He has obtained his Certified Financial Planner, Chartered Financial Analyst, Retirement Management Advisor, and Certified Exit Planning Advisor certifications.* Paranj is a member of the Portfolio Management Institute, and Association of Professional Investment Consultants.

While Paranj likes to play tennis, he admits that his love for business and finance spills over into his spare time. He obsessively spends much of his out of office time studying the financial markets and international economics and researching companies, much to his girlfriend’s chagrin.

*This role cannot solicit or provide investment advice

About Adam M. Goldstein

Adam Goldstein is the first point of contact whenever someone calls or emails the dos Santos Group. As the Wealth Management Associate of the group, he is responsible for responding to all client requests and questions in a timely, efficient manner. He focuses on all aspects of the Group’s operations and takes pride in the attention to detail, accuracy, accountability, and he provides clients with the highest level of service possible and ensures all clients are presented to the Firm’s robust products and policies.

Born in New Jersey, Adam is a graduate of the Kelley School of Business at Indiana University, interned in finance at the Corcoran Group, a New York City real estate brokerage, and then at Morgan Stanley Wealth Management. Upon graduation, he joined Better, an online mortgage and real estate firm and became an Operations Coordinator. He joined Morgan Stanley in 2022 and earned his Series 7 and 66 licenses and Financial Planning Specialist* title shortly after. Adam is a member of the Portfolio Management Institute, and Association of Professional Investment Consultants.

Adam is an avid New York sports fan, and he still roots for his Hoosiers on the football field & basketball court. Adam lives in Manhattan and continues to pursue his love of golf and attends the various musical and cultural events that New York City has to offer.

*This role cannot solicit or provide investment advice

About Callie Ballaine

Callie Ballaine works closely with the group to support client relationships and help ensure a seamless service experience. She assists with client requests, coordinates administrative and operational processes, and helps the group deliver thoughtful and responsive support to clients.

Prior to joining Morgan Stanley, Callie was an Associate at Ridgetop Research, partnering with hedge funds, private equity firms, and venture capital clients on primary research initiatives that provided industry insights to support investment decisions.

Callie graduated from St. Lawrence University with a degree in Data Science and Communications. Originally from Seattle, Washington, she enjoys staying active and spending time outdoors. Outside of work, Callie teaches fitness classes and is an avid runner.

Hear From Our Clients

I began working with Domitilia dos Santos in 1986. I was new to investing. We talked through using the Peter Lynch approach to investing in companies I understood. I speak to the team almost every week to execute different aspects of my financial plan. The team is attentive and professional.
checkmarkVerified Client
The dos Santos Group is an exceptional team that is very responsive, always taking our calls in a friendly manner and spending quality time with us. They provide comprehensive services and access to opportunities. We trust their guidance and have consolidated various accounts with Morgan Stanley, allowing a complete view of our finances. Knowing that the team is watching our investments provides tremendous confidence. We cannot recommend their services enough!
checkmarkVerified Client
The dos Santos Group offers exceptional financial advisory. They present expert guidance and tailored strategies. Having been a client for over 20 years, I highly recommend their professional, attentive service. Such a trustworthy and reliable team delivers effective, personalized planning. Their meticulous approach instills confidence. I am thrilled to be a part of such a valuable partnership for my financial security. The team's expertise and dedication are truly commendable.
checkmarkVerified Client
Having been clients of Domitilia and her team for over 30 years, we can confidently say that they have helped steer us through both good and tough economic times to our present state of comfortable retirement. The attentiveness of the dos Santos Group to our requests and needs has always been exemplary. They are quick to respond and eager to help. Though we are certainly not their biggest client, they still make us feel that way.
checkmarkVerified Client
I have had an account with Morgan Stanley for nearly 30 years, and for most of that time I have lived overseas. The time difference and currency exchange issues have never been a problem. The service I have had from the team has always been exemplary. All questions, requests for information, financial planning, fund transfers, etc. have been handled promptly and professionally.
checkmarkVerified Client

Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.

5285589 3/2026

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
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Chris Devlin

Private Banker
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Colin Brady, CFP®

Financial Planning Director, Vice President
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Mary Beth Powers

Trust Specialist

About Chris Devlin

Christopher Devlin is a Private Banker serving Morgan Stanley Wealth Management offices in New York.

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.

Chris began his career in financial services in 2018 and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Banker at JPMorgan Chase. He also served as a Financial Consultant at AXA Advisors.

Chris is a graduate of Bucknell University, where he received a Bachelor of Arts in Economics. He lives in New York City. Outside of the office, Chris is an active Swim Across America participant, and enjoys cheering on Philadelphia sports teams, spending time with family, and traveling.
NMLS#: 1863460

About Colin Brady

Colin Brady is a first vice president and financial planning director serving Morgan Stanley Wealth Management office at 399 Park Ave in New York City. He is responsible for helping financial advisors with their clients' and prospects' financial planning needs.

Colin began his career in financial services in 2011 and joined Morgan Stanley in 2022. Prior to his current position, he spent five years working as a wealth management advisor with TIAA. During that time, he advised clients with various financial planning needs such as retirement, asset management, income generation, estate & legacy planning, and charitable giving.

Colin graduated from Pace University and holds his CERTIFIED FIANCIAL PLANNER™ designation. Colin lives in Stewart Manor, New York, with his wife, Lauren, and children, Liam and Cassidy. Outside of work, Colin enjoys spending time with his family, cooking and golfing.





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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.



© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.

About Mary Beth Powers

Mary Beth Powers is Executive Director and Trust Specialist for Morgan Stanley covering the New York Metro region, responsible for presenting Morgan Stanley’s third-party trustee partner platform to Morgan Stanley Wealth Management Financial Advisors, clients and prospects. Leveraging the capabilities of our trust company partners, Mary Beth assists to identify appropriate fiduciary solutions, which are essential to the management, preservation and transfer of accumulated wealth. This process includes coordination with the client’s financial, legal and tax advisors to ensure proper trust planning implementation.

Mary Beth has worked in the trust and estate services industry for over thirty years, primarily handling trust new business opportunities. Before joining Morgan Stanley, Mary Beth spent ten years as a senior vice president and regional trust specialist with Citigroup Trust in NYC.

Mary Beth received a Bachelor of Science from Seton Hall University, South Orange, New Jersey and is Series 7 and 63 licensed. She resides with her husband and family in Blauvelt, New York.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.

Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.

Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.

Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.

You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.

Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.

Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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 trusts, estate planning, charitable giving, philanthropic planning and other legal matters.

Morgan Stanley 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.

Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.

Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.

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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)