Phone:
(516) 336-0810(516) 336-0810
Industry Award WinnerOur Mission Statement
The Endeavor Group at Morgan Stanley combines a unique blend of talent, experience, and knowledge; all geared towards one purpose: to deliver a comprehensive financial strategy designed to support you as you save, preserve, and grow your wealth.
Our Story and Services
The Endeavor Group is a full-service wealth management team. The essence of our group is a deep personal connection to our clients combined with the value of professional collaboration. As your Financial Advisors, we will partner with you, taking the time to understand your individual needs and ambitions. This deep understanding will lay the foundation for a lasting relationship with you and those important to you. Ultimately, we aim for your financial success, stability, and security. By providing you with goal-oriented financial planning and wealth management, we will help you move smartly and strategically towards the future you envision.
The Endeavor Group believes that insightful wealth management can improve our clients’ lives, and it has been our focus and our passion throughout all market conditions. As your financial advisors, with access to the full range of resources and specialists at Morgan Stanley, we are well positioned to guide you towards your goals and desires.
The Endeavor Group believes that insightful wealth management can improve our clients’ lives, and it has been our focus and our passion throughout all market conditions. As your financial advisors, with access to the full range of resources and specialists at Morgan Stanley, we are well positioned to guide you towards your goals and desires.
Our Dedication
- Kathy holds the prestigious Certified Investment Management Analyst (CIMA®) designation, as well as Chartered Retirement Planning Consultant (CRPC®), highlighting her professional dedication to the critical importance of Retirement savings and income planning.
- Sari is a Senior Vice President, Chartered Retirement Planning Consultant (CRPC®) and designated Portfolio Manager, focused on allocation of client’s assets and expert selection of fixed income and equity solutions for more than 20 years.
- Amanda is a Financial Planning Specialist, focused on taking a holistic approach to each client and providing solutions to grow and preserve their wealth.
- Kathy, Sari and Amanda pride themselves on their skills and experience, but it is dedication to providing highly personalized wealth management services to their clients that sets them apart.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Planning for Education FundingFootnote5
- Cash Management and Lending ProductsFootnote6
- LGBT+ Planning ServicesFootnote7
- Life InsuranceFootnote8
- Long Term Care InsuranceFootnote9
- Corporate Retirement PlansFootnote10
- Asset Management
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Safeguarding your digital life.
In today's day and age, online security is of the utmost importance. Morgan Stanley proactively defends our systems and monitors our digital landscapes to ensure that issues, whether anticipated or occurring, are dealt with in the proper manner.
Curious as to what is included in our security process? Security includes the following: Strong encryption protocols designed to protect your data, continuous monitoring to detect and prevent fraudulent activity, routine testing of our systems identify potential vulnerabilities, and independent reviews by outside security firms to penetration test our applications and evaluate our processes.
For more about cybersecurity and protecting your digital presence, below find some helpful resources.
Curious as to what is included in our security process? Security includes the following: Strong encryption protocols designed to protect your data, continuous monitoring to detect and prevent fraudulent activity, routine testing of our systems identify potential vulnerabilities, and independent reviews by outside security firms to penetration test our applications and evaluate our processes.
For more about cybersecurity and protecting your digital presence, below find some helpful resources.
YOUR GUIDE TO EFFICIENT PLANNING
Prepare for Tax Day
The countdown to Tax Day has begun. Here are some steps you can take as the deadline approaches.
Learn More Here
Tax-Efficient Investing
Tax-efficient investing techniques may help you lower your tax burden and increase your long-term wealth.
Here Are Some Strategies to Consider
Tax Strategies for Retirement
Taking steps to minimize the impact of taxes on your retirement portfolio can help you enjoy more of your nest egg.
These Ideas May Help
Tax-Smart Giving
Whether you want to donate to charity or invest in a loved-one’s future, there are tax‐aware ways to make your giving go further.
Learn More Here
LifeView Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs.
Portfolio Risk Platform
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Learn More Here
Spending & Budgeting
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool. We make it easy for you and your financial advisor to oversee trends in your financial life.
Spending & Budgeting ToolModern Wealth Tools & Resources
Morgan Stanley's comprehensive suite of digital tools are designed to enhance every aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that are available.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online today
Reserved Living & Giving
Reserved Living & Giving is a complimentary loyalty program available to Morgan Stanley Clients with a minimum of $1M in AUM. As a reserved member, clients will have access to exclusive partner offers and discounts, as well as thought leadership content and a variety of lifestyle and personal finance topics.
Get Started
MS Mobile App
With the Morgan Stanley Mobile App, you’ll have the freedom to manage your investments and instantly access a suite of personal cash management tools.
Your Financial World. On the Go.
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our cutting edge tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
529 Education Savings Plans
529 plans offer a flexible, tax-advantaged way to invest for education expenses while helping to improve estate planning. Gain fiduciary oversight of your education funding strategy within the context of your broader portfolio through the exclusive Morgan Stanley National Advisory 529 Plan.
529 Plan Options at Morgan Stanley
Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
Morgan Stanley Portfolio Insights
Morgan Stanley Mobile App
Securely access your Morgan Stanley account–from virtually anywhere.
The Way We Do Business
As we work together, we view ourselves as your allies and partners. Our ongoing discussions form the basis of our relationship.
Step I
Our initial conversations will help us understand the most defining insights about you – from the values that inspire you to your most important proprieties and concerns. That’s how we learn what you would like your wealth to accomplish now and over time.
Step II
Our next step will be to review all assets and liabilities on your personal balance sheet so we can assess where you stand today. We will also talk about risk – how much is too much when it comes to your strategy? It’s important we understand your comfort level with risk, so that we can develop an appropriate plan, tailored for your future.
Step III
After closely analyzing this information, we gladly collaborate with your other trusted advisors to ensure that our collective guidance is consistent and aligned. Once our assessment is complete, we will provide you with a recommended strategy tailored to your needs and goals, investing time to educate you about the details of your plan.
Step IV
Our final step in the process is implementing the strategy you’ve agreed to – putting to work for you the full range of global resources Morgan Stanley has to offer.
Our work as wealth advisors is never quite done. The key to maintaining the success of your financial plan over time is reviewing that plan and having the foresight and flexibility to adapt to changes and new developments in your life. By working closely with you at every stage we can be proactive in making adjustments and rebalancing our investment portfolio to ensure that you consistently stay on track to achieve your goals.
Our work as wealth advisors is never quite done. The key to maintaining the success of your financial plan over time is reviewing that plan and having the foresight and flexibility to adapt to changes and new developments in your life. By working closely with you at every stage we can be proactive in making adjustments and rebalancing our investment portfolio to ensure that you consistently stay on track to achieve your goals.
Location
Two Jericho Plaza
Jericho, NY 11753
US
Direct:
(516) 336-0774(516) 336-0774
Meet The Endeavor Group
Phone:
(516) 336-0774(516) 336-0774
Phone:
(516) 336-0771(516) 336-0771
Tom Asprinio, CIMA®
Director of Business Strategy
Phone:
(516) 336-0791(516) 336-0791
About Kathryn Castelli
Starting with her first Wall Street firm in 1994, through Morgan Stanley today, Kathryn has always sown the seeds of a solid, long-standing financial planning practice, now celebrating client and extended family relationships nurtured over a quarter-century. Kathryn’s consultative process begins with an in-depth discussion of current finances and future objectives. Her focus on retirement planning goes well beyond providing investment advice, often uncovering areas overlooked, which can impact the ability to execute on what is planned. For Kathryn, maintaining the financial independence and lifestyle clients have worked their whole lives to achieve is the primary focus. She values the unique goals, values and circumstances of each relationship that determine the strategies developed on their behalf.
To Kathryn, her career as an advisor means investing time and energy into her clients, as well as herself, the financial services industry, and the community. Before becoming an advisor, Kathryn held full-time Legal and Compliance roles while completing her Business Management degree at Fordham University, graduating with honors. She finished top ten in advisor training, the only female out of 100 new advisors, and spent almost a decade at Merrill Lynch before being recruited to her current home at Morgan Stanley in 2011. Kathryn holds Certified Investment Management Analyst (CIMA®) and Chartered Retirement Planning Counselor (CRPC®) designations, both of which require ongoing education and adherence to the highest industry and ethical standards.
Kathryn has been happily married for over 30 years and raised 3 children during her career. She has previously volunteered for the SIFMA Foundation, teaching and judging The Stock Market Game, and has held various roles on committees and boards supporting organizations that impact her children, their friends, and their community in Bayside, Queens. A Bronx native, she voluntarily provides ongoing mentorship to students in Fordham University’s business school through their Alumni Mentorship Network.
2025 & 2026 - Forbes Best-In-State Wealth Management Teams
[Source: Forbes (Awarded Jan 2025 & 2026). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/25.
To Kathryn, her career as an advisor means investing time and energy into her clients, as well as herself, the financial services industry, and the community. Before becoming an advisor, Kathryn held full-time Legal and Compliance roles while completing her Business Management degree at Fordham University, graduating with honors. She finished top ten in advisor training, the only female out of 100 new advisors, and spent almost a decade at Merrill Lynch before being recruited to her current home at Morgan Stanley in 2011. Kathryn holds Certified Investment Management Analyst (CIMA®) and Chartered Retirement Planning Counselor (CRPC®) designations, both of which require ongoing education and adherence to the highest industry and ethical standards.
Kathryn has been happily married for over 30 years and raised 3 children during her career. She has previously volunteered for the SIFMA Foundation, teaching and judging The Stock Market Game, and has held various roles on committees and boards supporting organizations that impact her children, their friends, and their community in Bayside, Queens. A Bronx native, she voluntarily provides ongoing mentorship to students in Fordham University’s business school through their Alumni Mentorship Network.
2025 & 2026 - Forbes Best-In-State Wealth Management Teams
[Source: Forbes (Awarded Jan 2025 & 2026). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/25.
Securities Agent: GA, WA, VA, LA, IL, FL, ME, CT, NY, MD, PA, NH, NC, CA, AZ, VT, TX, OR, OH, NV, NM, MT, DC, NJ, CO, UT, RI, SC, MA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1274567
NMLS#: 1274567
About Sari Warsaw
With more than two decades of experience in wealth management, Sari works with individuals, families, professionals, and business owners to help them navigate financial complexity and make confident long-term decisions. Her approach centers on developing comprehensive wealth management strategies that align investment planning with each client’s broader financial goals.
Sari takes a thoughtful, planning-first approach to wealth management, helping clients simplify their financial lives while staying focused on the long-term objectives that matter most to them. She believes strong client relationships are built on trust, clear communication, and a deep understanding of each client’s priorities.
Before joining Morgan Stanley in 2019, Sari spent 15 years advising clients at UBS and Smith Barney. She earned her Bachelor of Science in Marketing from the Kelley School of Business at Indiana University and holds the Chartered Retirement Planning Counselor (CRPC®) designation. Sari has also been named to Morgan Stanley’s prestigious Pacesetter’s Club, recognizing a select group of the firm’s successful Financial Advisors.
A lifelong Long Island resident, Sari is deeply committed to her community. She is the co-founder and Treasurer of the Gold Ribbon Riders, a nonprofit organization dedicated to raising funding and awareness for pediatric cancer research.
Outside the office, Sari enjoys spending time with her husband Steven and their three children, Max, Skylar, and Avery. Much of her free time is spent on the sidelines of sports fields cheering on her kids and enjoying time with family and friends.
2026 - Forbes Best-In-State Wealth Management Teams
[Source: Forbes (Awarded Jan 2026). Data compiled by SHOOK Research LLC based for the period 3/31/24–3/31/25.
https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025]
Sari takes a thoughtful, planning-first approach to wealth management, helping clients simplify their financial lives while staying focused on the long-term objectives that matter most to them. She believes strong client relationships are built on trust, clear communication, and a deep understanding of each client’s priorities.
Before joining Morgan Stanley in 2019, Sari spent 15 years advising clients at UBS and Smith Barney. She earned her Bachelor of Science in Marketing from the Kelley School of Business at Indiana University and holds the Chartered Retirement Planning Counselor (CRPC®) designation. Sari has also been named to Morgan Stanley’s prestigious Pacesetter’s Club, recognizing a select group of the firm’s successful Financial Advisors.
A lifelong Long Island resident, Sari is deeply committed to her community. She is the co-founder and Treasurer of the Gold Ribbon Riders, a nonprofit organization dedicated to raising funding and awareness for pediatric cancer research.
Outside the office, Sari enjoys spending time with her husband Steven and their three children, Max, Skylar, and Avery. Much of her free time is spent on the sidelines of sports fields cheering on her kids and enjoying time with family and friends.
2026 - Forbes Best-In-State Wealth Management Teams
[Source: Forbes (Awarded Jan 2026). Data compiled by SHOOK Research LLC based for the period 3/31/24–3/31/25.
https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025]
Securities Agent: GA, IL, WA, MD, MA, UT, SC, NC, OR, OH, NH, AZ, VA, LA, DC, CA, VT, RI, NM, NJ, ME, FL, CT, CO, TX, PA, NY, MT; General Securities Representative; Investment Advisor Representative
NMLS#: 2081790
NMLS#: 2081790
About Amanda Zanfini
Amanda Zanfini is a Financial Advisor passionate about helping individuals and families turn goals into actionable plans. Starting as an intern, Amanda discovered early on that the financial services industry offers a meaningful way to help people make confident decisions—and she has never looked back.
In her more than 15 years with Morgan Stanley, Amanda has cultivated a deep understanding of how advisory practices operate and what clients need from their wealth management team. In previous roles she worked directly with Financial Advisors and their teams as a Support Professional, then as a Branch Service Manager, where she developed a strong foundation in client service, practice management, and thoughtful problem-solving. Today, she works directly with clients—partnering with them through financial planning to help their wealth work as hard as they do and to create more options at every stage of life.
Amanda earned a B.A. in Economics from Stony Brook University and holds the Series 7, 66, 9, and 10 licenses, as well as the Life, Accident and Health Insurance license.
A Long Island native, Amanda enjoys spending time with family and friends and staying active year-round. In her free time, she can often be found skiing, at the beach, hiking, or enjoying concerts and live music.
In her more than 15 years with Morgan Stanley, Amanda has cultivated a deep understanding of how advisory practices operate and what clients need from their wealth management team. In previous roles she worked directly with Financial Advisors and their teams as a Support Professional, then as a Branch Service Manager, where she developed a strong foundation in client service, practice management, and thoughtful problem-solving. Today, she works directly with clients—partnering with them through financial planning to help their wealth work as hard as they do and to create more options at every stage of life.
Amanda earned a B.A. in Economics from Stony Brook University and holds the Series 7, 66, 9, and 10 licenses, as well as the Life, Accident and Health Insurance license.
A Long Island native, Amanda enjoys spending time with family and friends and staying active year-round. In her free time, she can often be found skiing, at the beach, hiking, or enjoying concerts and live music.
Securities Agent: IN, AK, SD, NM, NJ, LA, DC, WA, VA, PR, NE, ND, NC, AZ, WI, MT, IA, DE, CT, AL, MS, HI, AR, NY, MN, ME, VT, UT, SC, OK, OH, TX, MA, WY, RI, OR, KS, IL, CO, WV, NV, NH, MO, MI, MD, ID, FL, CA, VI, TN, PA, KY, GA; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 2828456
NMLS#: 2828456
About Tom Asprinio
Tom was formerly Director of Business Strategy for an institutional services team here at Morgan Stanley, prior to which he was a Service Manager in the Western Long Island Complex. Tom got his start at Merrill, as team lead for the margin and option department. He will hold an integral role on our team, working with you to address unique needs from your relationship with our team and firm. Tom provides guidance on firm innovations and services, as well as updates within Morgan Stanley to help customize your experience.
Tom graduated with a Bachelor of Science degree in Economics and a minor in Business Administration from University of Rhode Island. He currently holds Series 7, 66, 9 and 10 licenses. Tom lives in Jericho, minutes from our office with his wife and beautiful two-year-old twins. He enjoys golfing and skiing when not spending time with his family.
Tom graduated with a Bachelor of Science degree in Economics and a minor in Business Administration from University of Rhode Island. He currently holds Series 7, 66, 9 and 10 licenses. Tom lives in Jericho, minutes from our office with his wife and beautiful two-year-old twins. He enjoys golfing and skiing when not spending time with his family.
Contact Kathryn Castelli
Contact Sari Warsaw
Contact Amanda Zanfini
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2025-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2025-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
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
Article Image
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
Iran Conflict: Seven Takeaways for Investors
Article Image
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
Article Image
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
Article Image
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
Ready to start a conversation? Contact The Endeavor 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan 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
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan 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
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
