Eugenie ("Jane") Osipova
Senior Client Service Associate
Phone:
(212) 893-6394(212) 893-6394
Edwina Early Annicelli
Vice President, Private Wealth Management,
Financial Advisor,
Senior Portfolio Manager
Direct:
(212) 271-0487(212) 271-0487
Toll-Free:
(800) 233-9195(800) 233-9195
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
My Story and Services
Edwina is a Vice President, Financial Advisor and Senior Portfolio Manager with Morgan Stanley, relying on over 25 years of experience managing assets for private clients. She is responsible for all investment and financial planning for clients, leveraging her knowledge to carefully invest in alternative investments.
She began her financial career with Smith Barney in 1997 and has been with the firm ever since. Edwina works closely with corporate executives and their families, as well as sophisticated financial professionals managing their personal investments. Her wealth management practice is built on a foundation of trust, transparency, and integrity—three critical elements essential to the relationships we have built with the professionals, business owners, and families we have proudly served over the past 40 years.
Prior to joining Morgan Stanley, she worked in merchandising at Tiffany & Company and was a buyer at Barneys New York.
A strong believer in giving back to the community, Edwina participates in foundations and philanthropic endeavors. When she is not at work, Edwina likes to spend time with her family, travel, play tennis, bike ride, and read. She lives in NYC and Sag Harbor. Edwina has two daughters: Katie, who graduated in 2024 from the University of St. Andrews, and Casey, who is a senior at the University of Michigan.
She began her financial career with Smith Barney in 1997 and has been with the firm ever since. Edwina works closely with corporate executives and their families, as well as sophisticated financial professionals managing their personal investments. Her wealth management practice is built on a foundation of trust, transparency, and integrity—three critical elements essential to the relationships we have built with the professionals, business owners, and families we have proudly served over the past 40 years.
Prior to joining Morgan Stanley, she worked in merchandising at Tiffany & Company and was a buyer at Barneys New York.
A strong believer in giving back to the community, Edwina participates in foundations and philanthropic endeavors. When she is not at work, Edwina likes to spend time with her family, travel, play tennis, bike ride, and read. She lives in NYC and Sag Harbor. Edwina has two daughters: Katie, who graduated in 2024 from the University of St. Andrews, and Casey, who is a senior at the University of Michigan.
Securities Agent: NC, MI, TX, VA, WI, UT, PA, NY, NJ, MD, MA, IL, FL, DE, CT, CO, CA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1476745
NMLS#: 1476745
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Approach
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
My Clients
I am privileged to work with a broad range of High Net Worth Families, Business Owners, Corporate Executives, Individuals Experiences Change of Life Events, Non-Profit Organizations, and Financial Professionals. I take pride in building long-term relationships with my clients, as well as maintaining an exceptional level of professionalism.
High Net Worth Individuals and Families
I have experience working with high-net-worth individuals and families, providing comprehensive wealth management services -- including investment management, tax-efficient investment planning, estate planning strategies and risk management -- tailored to help meet the unique goals and needs of you and your family.
Business Owners
We provide dedicated guidance on the financial aspects of running a successful business on both sides of the balance sheet, including tax-efficient investment planning, employee benefits, succession planning, and more.
Corporate Executives
Custom tailored advice and strategies to help you manage your unique financial needs, including executive compensation, wealth preservation strategies, and retirement planning.
Change of Life Events
In cases of marriage, birth of a child, change in employment, inheritance, or retirement, is is important to have a plan in place to be prepared for financial implications along with prepared strategies to help achieve your goals.
Non-Profit Organizations
I help non-profit organizations use their assets to pursue their mission, serving as a proactive and collaborative advisor to help our clients grow their social and financial capital.
Financial Professionals
As a dedicated financial advisor, I collaborate with professionals like you, leveraging our firm's robust resources to help optimize your financial strategies.
PLANNING FOR YOUR UNIQUE FINANCIAL NEEDS & GOALS
Through each stage of your financial life, we can help assist you in managing the complexity of it all.
Executive Financial Services
Strategic guidance for corporate executives' unique needs.
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Estate Planning Strategies
Along the way, we will be by your side. We will examine your tax and estate planning strategies to help ensure that your asset allocation analysis appropriately reflects your tax and estate planning's tax features.
Click Here to Learn More
Tax-efficient Management
There are many tax-smart strategies for your financial plan. We'll help you make the tax decisions today that can help you save for years to come.
Click Here to Learn MoreInvestor Resources
I believe that financial education enhances your understanding of my investment strategy and discipline, ultimately leading to better long-term decision-making. Therefore, I am dedicated to providing you with essential information to manage your wealth more effectively in today’s global markets.
I have curated a selection of resources that reinforce the fundamental tools, investment strategies, and concepts integral to my practice. You will find links to these materials, and I encourage you to visit frequently to explore the tools and topics that influence your overall wealth.
I have curated a selection of resources that reinforce the fundamental tools, investment strategies, and concepts integral to my practice. You will find links to these materials, and I encourage you to visit frequently to explore the tools and topics that influence your overall wealth.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn more about Morgan Stanley Online
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn more about Total Wealth View
Goals Based Planning
Working with me, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn more about our Planning Tools
Morgan Stanley CashPlus
Access your cash anytime and anywhere with a Morgan Stanley CashPlus Account, the next generation of cash management at Morgan Stanley. CashPlus allows you to easily manage your cash on the go with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn more about CashPlusLocation
399 Park Ave 12th
Fl
New York, NY 10022
US
Direct:
(212) 271-0487(212) 271-0487
Toll-Free:
(800) 233-9195(800) 233-9195
Fax:
(631) 727-8172(631) 727-8172
Meet My Team
About Eugenie ("Jane") Osipova
Jane is a Senior Client Service Associate at The Falcon Point Group with more than 17 years of industry experience. A results-driven professional, she is committed to building strong relationships with clients and the various business units within Morgan Stanley. Jane’s primary responsibilities include assisting clients quickly and efficiently, and overseeing various, tasks that support the day-to-day management of the Group’s growing wealth management practice.
From the largest task to the smallest request, Jane works diligently in an effort to exceed client expectations. Her core responsibilities are essential to enabling the team to carry out its mission of helping financially successful individuals and families plan, invest, and lead fulfilling lives. She coordinates various operational and client service activities, including opening new accounts, moving cash and securities, and taking client orders.
Growing up in Moscow and Berlin, Jane has been living in Manhattan for nearly 30 years. She graduated cum laude from Hunter College in 1998. Prior to joining Morgan Stanley in 2007, she was a Compliance Officer at Bishop Rosen and a Sales Assistant at Monarch Capital. Jane maintains her FINRA Series 7, 63, and 24 licenses.
Outside of the office, Jane’s favorite activities include reading, enjoying the arts, and watching movies, a favorite pastime as she has studied cinematography and the history of movies.
From the largest task to the smallest request, Jane works diligently in an effort to exceed client expectations. Her core responsibilities are essential to enabling the team to carry out its mission of helping financially successful individuals and families plan, invest, and lead fulfilling lives. She coordinates various operational and client service activities, including opening new accounts, moving cash and securities, and taking client orders.
Growing up in Moscow and Berlin, Jane has been living in Manhattan for nearly 30 years. She graduated cum laude from Hunter College in 1998. Prior to joining Morgan Stanley in 2007, she was a Compliance Officer at Bishop Rosen and a Sales Assistant at Monarch Capital. Jane maintains her FINRA Series 7, 63, and 24 licenses.
Outside of the office, Jane’s favorite activities include reading, enjoying the arts, and watching movies, a favorite pastime as she has studied cinematography and the history of movies.
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
Craig Champagnie
Private Banker
Colin Brady, CFP®
Financial Planning Director, Vice President
Mary Beth Powers
Trust Specialist
Angelo Loumbas
Family Office Resource Generalist
About Craig Champagnie
Craig Champagnie 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.
Craig began his career in financial services in 2005, and joined Morgan Stanley in 2017 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Banker, Business Banker, and Branch Manager at the JP Morgan Chase Bank.
Craig is a graduate of the The State University of New York, Stony Brook, where he received a Bachelor of Arts in Economics. He lives in Wantagh, New York with his family. Outside of the office, Craig donates his time to The SIFMA Foundation. He enjoys fitness training and playing golf, football and basketball.
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.
Craig began his career in financial services in 2005, and joined Morgan Stanley in 2017 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Banker, Business Banker, and Branch Manager at the JP Morgan Chase Bank.
Craig is a graduate of the The State University of New York, Stony Brook, where he received a Bachelor of Arts in Economics. He lives in Wantagh, New York with his family. Outside of the office, Craig donates his time to The SIFMA Foundation. He enjoys fitness training and playing golf, football and basketball.
NMLS#: 626539
About Colin Brady
Colin Brady is a Vice President and Financial Planning Director serving Morgan Stanley’s 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 the last 5 years working as a Wealth Management Advisor with TIAA. In his time at TIAA, he advised clients in 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 Financial Planner® designation. Colin lives in Stewart Manor, New York with his wife, Lauren, and his son, Liam. Outside of work, Colin enjoys spending time with his family, cooking and golfing.
Colin began his career in financial services in 2011 and joined Morgan Stanley in 2022. Prior to his current position, he spent the last 5 years working as a Wealth Management Advisor with TIAA. In his time at TIAA, he advised clients in 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 Financial Planner® designation. Colin lives in Stewart Manor, New York with his wife, Lauren, and his son, Liam. Outside of work, Colin enjoys spending time with his family, cooking and golfing.
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.
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.
About Angelo Loumbas
Angelo is the Family Office Resources Generalist in the Northeast Region. Angelo provides in depth knowledge to ultra-high net worth (UHNW) clients and Financial Advisors across a broad range of family wealth and family office management matters. His area of focus includes family governance, wealth education,, strategic estate and financial planning, philanthropy management, lifestyle advisory, and customized asset allocation and portfolio construction. Angelo has over 25 years’ experience advising wealthy families, business owners, and philanthropic organizations.
Originally from Chicago and now residing in Westchester County, New York, , Angelo practiced law for 15 years and represented UHNW clients, closely held businesses, and major philanthropic organizations. He is admitted to the Society of Trust and Estate Practitioners and has been asked to speak over the years before tax, trust and estate committees of estate planning councils and other organizations. Angelo has also contributed thought leadership through Morgan Stanley’s Family Legacy and Governance Institute leadership series and authored an article for Barrons.com, “Should I Invest in My Kid’s Start-Up? Financial Advisors Can Help Clients Decide” (2023).
Angelo has been advising UHNW clients in the financial services industry for over 17 years, with 13 of those years at Morgan Stanley in Chicago and New York. He earned his J.D. from Indiana University at Bloomington, his M.B.A. from the University of Notre Dame, and B.A. from DePaul University. He also holds his Series 7, 66 and 24 licenses. In addition, Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club (2009-2010).
Originally from Chicago and now residing in Westchester County, New York, , Angelo practiced law for 15 years and represented UHNW clients, closely held businesses, and major philanthropic organizations. He is admitted to the Society of Trust and Estate Practitioners and has been asked to speak over the years before tax, trust and estate committees of estate planning councils and other organizations. Angelo has also contributed thought leadership through Morgan Stanley’s Family Legacy and Governance Institute leadership series and authored an article for Barrons.com, “Should I Invest in My Kid’s Start-Up? Financial Advisors Can Help Clients Decide” (2023).
Angelo has been advising UHNW clients in the financial services industry for over 17 years, with 13 of those years at Morgan Stanley in Chicago and New York. He earned his J.D. from Indiana University at Bloomington, his M.B.A. from the University of Notre Dame, and B.A. from DePaul University. He also holds his Series 7, 66 and 24 licenses. In addition, Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club (2009-2010).
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
Morgan Stanley, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
Morgan Stanley, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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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
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.
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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Ready to start a conversation? Contact Edwina Early Annicelli today.
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
5Morgan 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.
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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
5Morgan 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.
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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)