Christi Edwards
Edwards Pharris Wealth Management Group at Morgan Stanley
Direct:
(615) 298-6554(615) 298-6554
Our Mission Statement
We craft highly customized investment
and wealth planning strategies based on
your specific needs and goals.
and wealth planning strategies based on
your specific needs and goals.
Welcome
We are a seven-member wealth management team led by three highly experienced Financial Advisors, Christi Edwards, Jason Pharris and David Darst. Our financial advisors are hands-on investment managers with a true passion for their craft and deep commitment to our clients. We provide recommendations based on our clients individual investment goals and risk tolerance.
Our clients are exceptional people. They have built thriving businesses, led major corporations, and achieved extraordinary success in the sports and entertainment industry, all while raising families and contributing to their communities. Such active lives often leave little time to address the many complex challenges of managing the wealth they have created along the way.
Serving as their go-to financial advisors, we help our clients create and implement comprehensive wealth management plans based on their specific needs and goals. We strive to support our clients when they face even the most complex issues. With access to the vast resources of Morgan Stanley, we strive to help our clients preserve and grow their assets, seek to create the legacy they want to leave and support the people, causes and institutions that mean the most to them. We work towards implementing strategies that focus on what is most important to them.
Thanks to the confidence our clients have placed in us, we were named to the list of 2024 and 2025 Forbes Best-in-State Wealth Management Teams, ranking #2 in the state of Tennessee both years.
2024-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024-2025)Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure/
Our clients are exceptional people. They have built thriving businesses, led major corporations, and achieved extraordinary success in the sports and entertainment industry, all while raising families and contributing to their communities. Such active lives often leave little time to address the many complex challenges of managing the wealth they have created along the way.
Serving as their go-to financial advisors, we help our clients create and implement comprehensive wealth management plans based on their specific needs and goals. We strive to support our clients when they face even the most complex issues. With access to the vast resources of Morgan Stanley, we strive to help our clients preserve and grow their assets, seek to create the legacy they want to leave and support the people, causes and institutions that mean the most to them. We work towards implementing strategies that focus on what is most important to them.
Thanks to the confidence our clients have placed in us, we were named to the list of 2024 and 2025 Forbes Best-in-State Wealth Management Teams, ranking #2 in the state of Tennessee both years.
2024-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024-2025)Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure/
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- Estate Planning StrategiesFootnote4
- Retirement PlanningFootnote5
- Executive Financial ServicesFootnote6
- Lending Products
- Business PlanningFootnote7
- Stock Plan ServicesFootnote8
- Corporate Retirement PlansFootnote9
- Fixed IncomeFootnote10
- Trust AccountsFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
We work with a select national clientele of high-achieving individuals and families who have complex financial lives. Some of the challenges and opportunities they face are widely shared, while others are more common to the ways in which they have created their wealth. Our clients include:
Entrepreneurs
Drawing on extensive experience working with successful entrepreneurs and business owners at virtually every stage of their company’s development, we can offer advice that straddles the border between your personal and professional financial lives. This includes working with you to help ensure that your succession or preliquidity planning considers all of the potential opportunities available to you.
Corporate Executives
We have extensive experience working with senior executives who have complex incentive compensation packages and concentrated equity positions in public companies. We strive to offer strategies to help simplify your financial life and strategies to help maximize the after-tax value of your equity awards and integrate it into a holistic financial plan. Our services include:
• Striving to help you understand the characteristics of your equity awards, their value and tax considerations.
• Developing strategies to integrate equity compensation into your broader financial plans.
• Working with your CPA and other advisors to create option exercise strategies designed to help manage your tax obligations.
• Executing strategies designed to help maximize the value of employer stock grants and employee stock purchase plans.
Athletes and Entertainers
As Global Sports and Entertainment Directors, our financial advisors understand the complexities and pressures facing high-achieving professionals in the sports and entertainment industries. Drawing on this experience, we strive to help our clients make informed choices about how they save, spend, invest, borrow, preserve and give. We draw on an extensive range of resources to help you address your unique immediate financial challenges, and to create comprehensive plans to help you reach your long-term goals.
Families in Transition
We have worked with many families who are facing a major change in their financial circumstances due to divorce or the death of a spouse. We offer an experienced perspective to help our clients assess their situations, reassess their goals and reallocate their resources to help provide the support they require.
Entrepreneurs
Drawing on extensive experience working with successful entrepreneurs and business owners at virtually every stage of their company’s development, we can offer advice that straddles the border between your personal and professional financial lives. This includes working with you to help ensure that your succession or preliquidity planning considers all of the potential opportunities available to you.
Corporate Executives
We have extensive experience working with senior executives who have complex incentive compensation packages and concentrated equity positions in public companies. We strive to offer strategies to help simplify your financial life and strategies to help maximize the after-tax value of your equity awards and integrate it into a holistic financial plan. Our services include:
• Striving to help you understand the characteristics of your equity awards, their value and tax considerations.
• Developing strategies to integrate equity compensation into your broader financial plans.
• Working with your CPA and other advisors to create option exercise strategies designed to help manage your tax obligations.
• Executing strategies designed to help maximize the value of employer stock grants and employee stock purchase plans.
Athletes and Entertainers
As Global Sports and Entertainment Directors, our financial advisors understand the complexities and pressures facing high-achieving professionals in the sports and entertainment industries. Drawing on this experience, we strive to help our clients make informed choices about how they save, spend, invest, borrow, preserve and give. We draw on an extensive range of resources to help you address your unique immediate financial challenges, and to create comprehensive plans to help you reach your long-term goals.
Families in Transition
We have worked with many families who are facing a major change in their financial circumstances due to divorce or the death of a spouse. We offer an experienced perspective to help our clients assess their situations, reassess their goals and reallocate their resources to help provide the support they require.
Dedicated Advice
Morgan Stanley Global Sports & Entertainment is a specialized wealth management division of Morgan Stanley that focuses exclusively on addressing the unique needs of top professionals like you, in the sports and entertainment industry.
As Global Sports and Entertainment Directors, Christi Edwards and Jason Pharris have the dedicated experience, continuing education and access to world-class resources needed to understand the complexities and pressures facing high-achieving professionals in the sports and entertainment industries, and to help them make smart choices about how they save, spend, invest, borrow, preserve and give.
Their focus is working with established and emerging industry executives, writers, producers, musicians, etc. helping to provide advanced experience in their field, an extensive range of resources needed to address their unique immediate financial challenges, and to create comprehensive plans to help reach their long-term goals.
As Global Sports and Entertainment Directors, Christi Edwards and Jason Pharris have the dedicated experience, continuing education and access to world-class resources needed to understand the complexities and pressures facing high-achieving professionals in the sports and entertainment industries, and to help them make smart choices about how they save, spend, invest, borrow, preserve and give.
Their focus is working with established and emerging industry executives, writers, producers, musicians, etc. helping to provide advanced experience in their field, an extensive range of resources needed to address their unique immediate financial challenges, and to create comprehensive plans to help reach their long-term goals.
Resources for You
We want to provide you with the most recent, timely, and important information so you can feel informed and educated during these difficult times. We will be periodically updating these links in order to keep the most important information top of mind.
4.00% Annual Percentage Yield Preferred Savings
Take advantage of our Preferred Savings Program for Qualifying Cash† offer with flexible options and more ways to save. There are two ways you may participate, either 1) bring new cash deposits from external sources or 2) use proceeds from the sale, income or distribution from securities in your eligible Morgan Stanley brokerage accounts.
Learn More
Social Security COLA Increase
The Social Security Benefits and Supplemental Security Income (SSI) payments will see a 2.5% increase in 2025.
Learn More
2024 Tax Tables
These tables outline the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information
Access Here
2025 Tax Tables
Make sure you're prepared for tax season by checking out the 2025 Tax Tables
Access HereOur Awards & Recognitions
Christi Edwards and Jason Pharris have been recognized in numerous financial publications:
Forbes Best-In-State Wealth Management Teams
2025: #2 in Tennessee
2024: #2 in Tennessee
2024-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2024: #2 in Tennessee
2024-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisors
2024: Christi #11, Jason #18 in Tennessee
2023: Christi #18, Jason #27 in Tennessee
2022: Christi #8, Jason #25 in Tennessee
2021: Christi #11 & Jason #28 in Tennessee
2020: Christi #10 & Jason #22 in Tennessee
2019: Christi
2018: Christi
2018-2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2018-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2023: Christi #18, Jason #27 in Tennessee
2022: Christi #8, Jason #25 in Tennessee
2021: Christi #11 & Jason #28 in Tennessee
2020: Christi #10 & Jason #22 in Tennessee
2019: Christi
2018: Christi
2018-2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2018-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Barron's Top 1,200 Financial Advisors: State-by-State
2022: Christi #15 in Tennessee
2021: Christi #11 & Jason #17 in Tennessee
2020: Christi #9 & Jason #18 in Tennessee
2019: Christi #11 & Jason #18 in Tennessee
2018: Christi #6 & Jason #12 in Tennessee
2017: Christi #12 in Tennessee
2016: Christi #15 in Tennessee
2015: Christi #17 in Tennessee
2014: Christi #11 in Tennessee
2014-2022 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 2014-2022). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
2021: Christi #11 & Jason #17 in Tennessee
2020: Christi #9 & Jason #18 in Tennessee
2019: Christi #11 & Jason #18 in Tennessee
2018: Christi #6 & Jason #12 in Tennessee
2017: Christi #12 in Tennessee
2016: Christi #15 in Tennessee
2015: Christi #17 in Tennessee
2014: Christi #11 in Tennessee
2014-2022 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 2014-2022). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Forbes Top Women Wealth Advisor Best-In-State
2024: Christi #1 in Tennessee
2023: Christi #1 in Tennessee
2023-2024 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 2023-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2023: Christi #1 in Tennessee
2023-2024 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 2023-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Forbes America's Top Women Wealth Advisors
2024: Christi #92
2023: Christi #93
2022: Christi
2021: Christi
2020: Christi
2019: Christi
2018: Christi
2018-2024 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 2018-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2023: Christi #93
2022: Christi
2021: Christi
2020: Christi
2019: Christi
2018: Christi
2018-2024 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 2018-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Location
3102 West End Ave
Ste 200
Nashville, TN 37203
US
Direct:
(615) 298-6554(615) 298-6554
Meet Edwards Pharris Wealth Management Group
Jason Pharris
David W Darst
William Brandon
Client Service Associate
Phone:
(615) 298-6531(615) 298-6531
Tammy Nevil
Wealth Management Associate
Phone:
(615) 298-6552(615) 298-6552
Lisa A. Strane
Vice President, Business Development Director
Phone:
(615) 298-6553(615) 298-6553
Rodney Toothman
Assistant Vice President, Portfolio Management Associate Director
Phone:
(615) 298-6538(615) 298-6538
Wealth Management
Global Investment Office
Portfolio Insights
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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
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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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
Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
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 Edwards Pharris Wealth Management Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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.
3Morgan 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.
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 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.
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.
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.
9When 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.
10Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
11Morgan 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.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
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 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.
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.
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.
9When 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.
10Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
11Morgan 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.
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)
