Mark K Farley, CFP®
Senior Vice President, Financial Advisor, Senior Portfolio Management Director
Phone:
(212) 893-6425(212) 893-6425
Falcon Point Group at Morgan Stanley
Our Mission Statement
We empower you to achieve – and maintain – financial success by navigating life’s inevitable transitions with more confidence and control. We do this by leveraging the deep experience of our team and the world-class resources of Morgan Stanley.
Providing Family Wealth Management with Wisdom, Vision, and Insight
Our family 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.
As a multigenerational team serving multigenerational families, we understand the importance of family and leaving a lasting legacy. Working together, we manage your wealth, bringing decades of wisdom and a seamless continuity in our values. Above all, we deliver a forward-thinking approach that not only offers sound financial advice, but a balance of perspectives that can help empower you to make informed decisions as your career and your life evolve.
We are proud of the high level of care we deliver to our clients locally and around the country and welcome the opportunity to deliver this same level of excellence to you and your family.
We look forward to speaking with you soon.
As a multigenerational team serving multigenerational families, we understand the importance of family and leaving a lasting legacy. Working together, we manage your wealth, bringing decades of wisdom and a seamless continuity in our values. Above all, we deliver a forward-thinking approach that not only offers sound financial advice, but a balance of perspectives that can help empower you to make informed decisions as your career and your life evolve.
We are proud of the high level of care we deliver to our clients locally and around the country and welcome the opportunity to deliver this same level of excellence to you and your family.
We look forward to speaking with you soon.
Awards & Accolades
- Falcon Point Group at Morgan Stanley Named to Forbes 2024-2026 Best-In-State Wealth Management Teams
- Mark K Farley, CFP®, Named to Forbes 2024 & 2025 Best-In-State Wealth Advisors
- Mary Beth Sullivan Named to Forbes 2024-2026 Best-In State Women Advisors
- Source: Forbes.com (Awarded 2024, 2025, 2026) Data Compiled By Shook Research LLC Based On 12-Month Period Concluding in March of the Year Prior to Issuance of the Award
- Source: Forbes.com (Awarded 2024, 2025) Data Compiled By Shook Research LLC Based On 12-Month Period Concluding in June of the Year Prior to Issuance of the Award
- Source: Forbes.com (Awarded 2024, 2025, 2026) Data Compiled By Shook Research LLC Based On 12-Month Period Concluding in September of the Year Prior to Issuance of the Award
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- 401(k) Rollovers
- Trust AccountsFootnote4
- Professional Portfolio ManagementFootnote5
- Planning for Education FundingFootnote6
- Cash Management and Lending ProductsFootnote7
- Life InsuranceFootnote8
- AnnuitiesFootnote9
- Alternative InvestmentsFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Suite of Services
As your wealth grows, so does its complexities and the resources needed to manage it effectively. We leverage our experience and and broader relationships within Morgan Stanley to deliver innovative strategies that are tailored to your needs. We look forward to speaking with you to understand your challenges, so we can map out a strategy to help achieve your particular priorities and goals.
Wealth Management
Wealth management brings various dimensions of your life together. We listen carefully to understand the connections across your family and business to develop an integrated strategy that is uniquely yours.
Retirement Planning
One of our key areas of strength is helping you prepare for and thrive in retirement. From IRAs to RMDs, we manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with confidence.
Estate Planning Strategies
Delivering an estate to the next generation or favorite charity requires more attention than families often realize. We coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset titling and beneficiary designation requirements, incorporating best practices to help enhance results.
Life Insurance
Life’s risks can manifest themselves in many ways – from loss of life to loss of health – and have the potential to impair the efficiency of a thoughtfully developed plan. We proactively help address these concerns in a number or ways, ranging from insurance reviews to liquidity strategies.
Banking and Lending Services
We believe it’s important to consider all aspects of your finances when building your plan for the future. We offer a broad array of lending solutions that work together to complement your existing investment strategy.
Philanthropy
Morgan Stanley doesn’t do philanthropy the usual way. Our approach is rooted in creating significant and meaningful impact for people in the communities where we live and work, both by collaborating long-term with leading nonprofit organizations and by mobilizing our employees to leverage their collective talents to help make the world a better place.
WHO WE WORK WITH
The Falcon Point Group at Morgan Stanley is equipped to work with everyone from successful professionals to business owners to generations of families. We take great pride in the fact that our clients come to us not only for investment assistance, but guidance on virtually all financial matters.
Families
Helping families navigate complex financial decisions and develop a plan to achieve their financial goals is something we pride ourselves on. Each family is unique and requires a plan dedicated to their specific needs.
Working Professionals
We provide valuable guidance to working professionals in developing a comprehensive financial plan to help achieve your short - and long-term goals. As a team we offer advice on topics such as budgeting, debt management, retirement planning, investment strategies, and tax-efficient planning strategies.
Business Owners
We can help business owners navigate complex financial regulations and provide advice on financial issues that may arise during the life cycle of the business. By working with us, business owners can make informed decisions and potentially better position their business for long-term success.
Charities and Foundations
At the Falcon Point Group we support individuals, families, corporate and private foundations, and non-profit organizations by offering a suite of services to help define and realize clients' charitable missions.
Managing Your Money in the 21st Century
We offer a broad array of modern wealth tools to manage your wealth more effectively in today’s busy world. We would be glad to assist you in signing up or learning more about these services.
Morgan Stanley Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
Learn More
E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures for necessary paperwork. There is no registration process to begin using E-Sign – all you need is a valid email address and phone number.
Learn MoreLocation
399 Park Ave
12th Fl
New York, NY 10022
US
Direct:
(212) 893-6364(212) 893-6364
Meet Falcon Point Group
John Troisi, CFP®
Senior Vice President, Financial Advisor, Portfolio Management Director, Financial Planning Specialist
Phone:
(212) 893-6412(212) 893-6412
Mary Beth Sullivan
Senior Vice President, Financial Advisor, Financial Planning Specialist, Senior Portfolio Management Director
Phone:
(212) 893-6434(212) 893-6434
Catherine S Fawls
Vice President, Financial Advisor
Phone:
(212) 893-6364(212) 893-6364
Eugenie Osipova
Senior Client Service Associate
Phone:
(212) 893-6394(212) 893-6394
Oliver Orman
Registered Client Service Associate
Phone:
(212) 893-7606(212) 893-7606
About Mark K Farley
Mark brings a lifetime of experience to his role as team leader and founding partner of The Falcon Point Group at Morgan Stanley. He is responsible for bringing the team together and shaping its strategic vision. He also manages investment portfolios and provides financial planning services to his many clients. Mark is proud to be a vital member of Morgan Stanley’s history and its predecessor brands for nearly 40 years. His goals-based process, which includes a commitment to ongoing education and outstanding service, earned him recognition on the Forbes “Best-in-State Wealth Advisors” list in 2021 and 2022.
Growing up in a family committed to theology and ministry, Mark took a different path, combining his desire to help others with his passion for finance. He began his career in 1978 at an editorial services firm, where he covered hundreds of annual meetings and analyst meetings for Forbes 500 companies. This led to an opportunity to work at Drexel, Burnham and Lambert, an early predecessor firm of Morgan Stanley in 1983. He has been an invaluable member of the firm ever since at what Mark likes to call his “financial ministry.”
An education advocate, Mark remains committed to advanced learning for himself and his clients. A graduate of Colgate University, he earned his CERTIFIED FINANCIAL PLANNER™ designation in 2013. Over the years, he has also achieved important certifications at Morgan Stanley, including Portfolio Management Director and Senior Investment Management Consultant. These credentials demonstrate Mark’s commitment to a world-class client experience. He draws upon his deep knowledge to provide clients with tailored advice, based on the most effective wealth management strategies for today’s complex markets.
Mark believes balance is vital to a happy life. Outside of the office, he is a voracious reader, enjoying 150 books a year on a broad array of topics from finance and history to politics and science. Born in Manhattan, Mark moved regularly as a young boy as his father was one of the top theologians in the world. Today, he lives in Stamford, CT with his wife, Dianne, who is active in a number of local nonprofits. Every Friday, you can find Mark playing a complex strategy game with the same group of friends he has played with for the past 40 years.
Growing up in a family committed to theology and ministry, Mark took a different path, combining his desire to help others with his passion for finance. He began his career in 1978 at an editorial services firm, where he covered hundreds of annual meetings and analyst meetings for Forbes 500 companies. This led to an opportunity to work at Drexel, Burnham and Lambert, an early predecessor firm of Morgan Stanley in 1983. He has been an invaluable member of the firm ever since at what Mark likes to call his “financial ministry.”
An education advocate, Mark remains committed to advanced learning for himself and his clients. A graduate of Colgate University, he earned his CERTIFIED FINANCIAL PLANNER™ designation in 2013. Over the years, he has also achieved important certifications at Morgan Stanley, including Portfolio Management Director and Senior Investment Management Consultant. These credentials demonstrate Mark’s commitment to a world-class client experience. He draws upon his deep knowledge to provide clients with tailored advice, based on the most effective wealth management strategies for today’s complex markets.
Mark believes balance is vital to a happy life. Outside of the office, he is a voracious reader, enjoying 150 books a year on a broad array of topics from finance and history to politics and science. Born in Manhattan, Mark moved regularly as a young boy as his father was one of the top theologians in the world. Today, he lives in Stamford, CT with his wife, Dianne, who is active in a number of local nonprofits. Every Friday, you can find Mark playing a complex strategy game with the same group of friends he has played with for the past 40 years.
Securities Agent: MO, CA, NC, MA, DE, RI, MT, LA, IL, NV, NM, OR, WA, TX, SC, KS, FL, DC, CO, PR, IN, VT, VA, TN, NY, NJ, ME, MD, GA, CT, AZ, AK, WY, WI, UT, PA, OH, MI, KY, WV, NH, MN; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1312762
NMLS#: 1312762
About John Troisi
John is a CERTIFIED FINANCIAL PLANNER™, Portfolio Management Director, and founding partner of The Falcon Point Group at Morgan Stanley. He has been providing financial advice to executives, business owners, and generational families in the New York metropolitan area and around the country for over 30 years. He is committed to helping clients successfully navigate the financial complexities they face through comprehensive financial planning and investment management. For John, professional achievement is measured in terms of client well-being and goal attainment.
John’s career was shaped early by a family deeply committed to helping others achieve financial security. His father, Larry Troisi, spent more than 50 years as a financial advisor at Morgan Stanley, inspiring John to pursue a profession that combined his interest in the markets with a genuine desire to serve others. John earned a B.A. in Economics and English Literature from New York University in 1993. After beginning his career at PaineWebber (now UBS), he joined Smith Barney in 1998, a predecessor firm of Morgan Stanley. John and Larry worked side by side for more than two decades until Larry’s retirement in 2020.
With over three decades of investment experience, John has developed a strong understanding of the interplay between markets and the underlying economic and credit environment. He has developed specialized skills constructing equity and fixed income portfolios utilizing a conservative approach. John believes strongly in investing in the highest quality equity and fixed income securities to achieve a targeted rate of return commensurate with his client’s objectives and risk level.
A native New Yorker, John was born in Queens, grew up on Long Island, and has lived in New York City for over 30 years. He is active with various charity organizations in his community. When he is not working, John’s favorite activities include travel, learning about new cultures, and staying active. He loves to hike, bike, camp, and mountain climb. He has hiked to Mount Everest Base Camp in Nepal as well as climbed the Grand Teton Mountains in Wyoming.
John’s career was shaped early by a family deeply committed to helping others achieve financial security. His father, Larry Troisi, spent more than 50 years as a financial advisor at Morgan Stanley, inspiring John to pursue a profession that combined his interest in the markets with a genuine desire to serve others. John earned a B.A. in Economics and English Literature from New York University in 1993. After beginning his career at PaineWebber (now UBS), he joined Smith Barney in 1998, a predecessor firm of Morgan Stanley. John and Larry worked side by side for more than two decades until Larry’s retirement in 2020.
With over three decades of investment experience, John has developed a strong understanding of the interplay between markets and the underlying economic and credit environment. He has developed specialized skills constructing equity and fixed income portfolios utilizing a conservative approach. John believes strongly in investing in the highest quality equity and fixed income securities to achieve a targeted rate of return commensurate with his client’s objectives and risk level.
A native New Yorker, John was born in Queens, grew up on Long Island, and has lived in New York City for over 30 years. He is active with various charity organizations in his community. When he is not working, John’s favorite activities include travel, learning about new cultures, and staying active. He loves to hike, bike, camp, and mountain climb. He has hiked to Mount Everest Base Camp in Nepal as well as climbed the Grand Teton Mountains in Wyoming.
Securities Agent: KY, DC, AZ, NE, NM, TX, RI, NY, DE, SC, NH, ME, KS, FL, VT, NV, MI, LA, CA, TN, PA, MA, IL, AK, VA, NJ, GA, WA, OR, NC, MD, IN, WY, MN, CT, CO, WV, WI, UT, PR, OH, MT, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 1312577
NMLS#: 1312577
About Mary Beth Sullivan
Mary Beth is a Portfolio Management Director, Financial Planning Specialist, and founding partner of The Falcon Point Group at Morgan Stanley, a highly skilled advisory team located in Manhattan. With more than 40 years of industry experience, she focuses on meeting the needs of individuals and families who have accumulated a higher level of wealth. Mary Beth empowers clients to achieve new levels of success through a personalized approach to financial planning and investment management.
Growing up in Pittston, PA, Mary Beth always had sights on becoming a teacher. After earning her B.S. degree in Education from Misericordia University, she taught on the post-secondary school levels, while completing her Master’s degree at Trenton State College. While teaching proved to be a very fulfilling vocation, Mary Beth felt something was missing. In 1981, she made a career-changing decision to combine her passion for helping others with her interest in finance. Becoming a Financial Advisor was the perfect fit. Mary Beth joined Smith Barney, which later became a part of the Morgan Stanley family, and today she enjoys educating clients on how to make more informed and confident decisions about their wealth.
Mary Beth’s desire to help others is equaled only by her dedication to her community. Over the years, she has been involved with many educational and civic organizations. She is the President Emeritus of the Union League Club of New York City, an organization she has actively supported for more than 25 years. She is a Trustee Emeritus on the Board of Trustees of Misericordia University and served as a Board member on the U.S. Army War College Foundation Board.
Outside of the office, Mary Beth enjoys exploring the sights and sounds of New York City, her home for 40 years. Travel is a favorite activity when she can get away, and reading provides her with great joy and relaxation.
Growing up in Pittston, PA, Mary Beth always had sights on becoming a teacher. After earning her B.S. degree in Education from Misericordia University, she taught on the post-secondary school levels, while completing her Master’s degree at Trenton State College. While teaching proved to be a very fulfilling vocation, Mary Beth felt something was missing. In 1981, she made a career-changing decision to combine her passion for helping others with her interest in finance. Becoming a Financial Advisor was the perfect fit. Mary Beth joined Smith Barney, which later became a part of the Morgan Stanley family, and today she enjoys educating clients on how to make more informed and confident decisions about their wealth.
Mary Beth’s desire to help others is equaled only by her dedication to her community. Over the years, she has been involved with many educational and civic organizations. She is the President Emeritus of the Union League Club of New York City, an organization she has actively supported for more than 25 years. She is a Trustee Emeritus on the Board of Trustees of Misericordia University and served as a Board member on the U.S. Army War College Foundation Board.
Outside of the office, Mary Beth enjoys exploring the sights and sounds of New York City, her home for 40 years. Travel is a favorite activity when she can get away, and reading provides her with great joy and relaxation.
Securities Agent: UT, CA, WV, WA, OR, NY, NJ, NC, MD, CT, CO, AZ, VT, VA, MN, ME, GA, MT, MO, MI, OH, NM, KY, AK, SC, RI, PR, NE, KS, WI, TN, MA, IN, TX, NH, LA, IL, WY, PA, NV, FL, DE, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1312811
NMLS#: 1312811
About Catherine S Fawls
An experienced Financial Advisor, Katie is dedicated to the continued growth and success of The Falcon Point Group and the broad array of clients they proudly serve. As Chief Operating Officer for the Group, she is responsible for helping implement the team’s strategic vision. Katie combines her extensive operational knowledge with her excellent relationship management skills to identify service solutions that deepen client relationships and ensure a premium client experience.
Growing up on Long Island, Katie always had an interest in the financial markets, learning first-hand about the industry from her father who built a career working on the institutional side of the business. Katie also loved learning about people and their personal stories. Becoming a Financial Advisor brings these two passions together.
After earning her B.A. degree in History from Providence College, Katie joined Morgan Stanley in 2006 as a Client Service Associate. This led to new and broader opportunities and in 2013, she joined the firm’s Financial Advisory Associate program, a rigorous and selective 36-month training and development program that fully prepared Katie to take on all the responsibilities of a Financial Advisor.
Today, she enjoys working closely with clients to understand their specific goals to develop a customized plan that aligns with their priorities and timelines. Katie was named to Morgan Stanley’s Pacesetter’s Club from 2017 through 2020, a recognition that honors top young advisors at the firm. Outside of the office, Katie is an avid skier and runner. She also loves to travel and enjoys every opportunity to see different parts of the world.
Growing up on Long Island, Katie always had an interest in the financial markets, learning first-hand about the industry from her father who built a career working on the institutional side of the business. Katie also loved learning about people and their personal stories. Becoming a Financial Advisor brings these two passions together.
After earning her B.A. degree in History from Providence College, Katie joined Morgan Stanley in 2006 as a Client Service Associate. This led to new and broader opportunities and in 2013, she joined the firm’s Financial Advisory Associate program, a rigorous and selective 36-month training and development program that fully prepared Katie to take on all the responsibilities of a Financial Advisor.
Today, she enjoys working closely with clients to understand their specific goals to develop a customized plan that aligns with their priorities and timelines. Katie was named to Morgan Stanley’s Pacesetter’s Club from 2017 through 2020, a recognition that honors top young advisors at the firm. Outside of the office, Katie is an avid skier and runner. She also loves to travel and enjoys every opportunity to see different parts of the world.
Securities Agent: LA, ME, VT, VA, PR, PA, OH, MN, MA, CO, KS, FL, CT, AK, NE, MT, MO, MD, WI, NM, MI, AL, WA, NY, NJ, GA, IN, UT, TX, WY, TN, OR, IL, DE, CA, RI, NV, AZ, NH, NC, KY, DC, WV, SC; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1282734
NMLS#: 1282734
About Eugenie 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 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 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.
About Oliver Orman
Oliver Orman is a Registered Client Service Associate at Morgan Stanley Wealth Management, where he supports the delivery of comprehensive wealth management solutions to individuals and families. With a foundation in investment management, retirement planning, and client service, Oliver is committed to building trusted relationships and providing timely, thoughtful support to clients and advisors.
Oliver earned his Bachelor of Arts from the University of Guelph in 2024, with coursework in project management, managerial economics, and econometrics. Prior to joining Morgan Stanley, he worked as a Registered Representative at New York Life Insurance Company, where he conducted comprehensive financial planning, analyzed insurance needs, educated clients on financial products, and built lasting client relationships through regular communication and reviews.
He holds his SIE, Series 7, and Series 66 licenses. Outside of the office, Oliver enjoys staying active through exercise, playing soccer, and listening to podcasts.
Oliver earned his Bachelor of Arts from the University of Guelph in 2024, with coursework in project management, managerial economics, and econometrics. Prior to joining Morgan Stanley, he worked as a Registered Representative at New York Life Insurance Company, where he conducted comprehensive financial planning, analyzed insurance needs, educated clients on financial products, and built lasting client relationships through regular communication and reviews.
He holds his SIE, Series 7, and Series 66 licenses. Outside of the office, Oliver enjoys staying active through exercise, playing soccer, and listening to podcasts.
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
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- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Falcon Point Group today.
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.
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.
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6When 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.
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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
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Alternative 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.
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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.
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.
6When 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.
7Morgan 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
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Alternative 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.
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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:
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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.
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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)
