Brad Hull
Senior Vice President, Market Manager
Phone:
(505) 889-2898(505) 889-2898
Welcome to the Morgan Stanley Farmington Branch!
Morgan Stanley
Farmington Branch Office
You define success, we help you achieve it
4801 N Butler
Ste 14101
Farmington, NM 87401
US
Branch:
(505) 327-6201(505) 327-6201
Branch Manager
Heather HolmesPhone:
(505) 326-9332(505) 326-9332
About Morgan Stanley Farmington Branch
Welcome to the Morgan Stanley Farmington Branch. We specialize in serving accomplished individuals, families, and institutions who aim to grow and safeguard their wealth, optimize their tax strategies, and establish enduring legacies. Our dedicated financial advisor teams are committed to providing exceptional client service and connecting you with the comprehensive resources available at Morgan Stanley.
Morgan Stanley's core values are foundational principles that guide the firm's actions and decisions. These core values include:
1. Do the Right Thing: This involves acting with integrity, thinking like an owner to create long-term shareholder value, and valuing and rewarding honesty and character.
2. Put Clients First: This value emphasizes keeping the client's interests first, working with colleagues to deliver the best of the firm to every client, and listening to what the client is saying and needs.
3. Lead with Exceptional Ideas: This involves winning by breaking new ground, leveraging different perspectives to gain new insight, driving innovation, and being vigilant about what can be improved.
4. Commit to Diversity and Inclusion: This value focuses on valuing individual and cultural differences as a defining strength, championing an environment where all employees feel a sense of belonging, are heard, seen, and respected, and expecting everyone to challenge behavior counter to the culture of inclusion. It also includes attracting, developing, and retaining talent that reflects the full diversity of society.
5. Give Back: This involves serving communities generously with expertise, time, and money, building a better firm for the future by contributing to the culture, and developing talent through mentoring and sponsorship.
Morgan Stanley assists its clients through a comprehensive range of wealth management services designed to help them achieve their financial goals. The firm offers personalized financial advisory services, leveraging a wide array of proprietary and third-party products to create customized financial plans. Clients benefit from access to institutional-caliber managers, portfolio solutions, and innovative investment opportunities. Morgan Stanley's wealth management capabilities include investment advisory services, securities-based lending, risk management, and alternative investments. The firm also provides socially responsible investing options, risk-based allocation models, and lending and cash management solutions. Additionally, Morgan Stanley offers traditional investments such as mutual funds, individual retirement accounts, and tax-efficient portfolios, as well as alternative investments like hedge funds and private equity funds. Clients can also access insured solutions, capital markets services, and value-added services like donor-advised funds and tax management strategies. The firm emphasizes a personalized approach, utilizing state-of-the-art technology to mitigate taxes and assess risk factors, ensuring that clients receive tailored advice and solutions that align with their financial objectives.
We invite you to stop in or give us a call to discuss your sophisticated needs, aspirations, and challenges. Together, we’ll forge a path that seeks to preserve your wealth and create potential new opportunities to help you get more out of life, do more for your family, and support the causes you care about most in the community.
Morgan Stanley's core values are foundational principles that guide the firm's actions and decisions. These core values include:
1. Do the Right Thing: This involves acting with integrity, thinking like an owner to create long-term shareholder value, and valuing and rewarding honesty and character.
2. Put Clients First: This value emphasizes keeping the client's interests first, working with colleagues to deliver the best of the firm to every client, and listening to what the client is saying and needs.
3. Lead with Exceptional Ideas: This involves winning by breaking new ground, leveraging different perspectives to gain new insight, driving innovation, and being vigilant about what can be improved.
4. Commit to Diversity and Inclusion: This value focuses on valuing individual and cultural differences as a defining strength, championing an environment where all employees feel a sense of belonging, are heard, seen, and respected, and expecting everyone to challenge behavior counter to the culture of inclusion. It also includes attracting, developing, and retaining talent that reflects the full diversity of society.
5. Give Back: This involves serving communities generously with expertise, time, and money, building a better firm for the future by contributing to the culture, and developing talent through mentoring and sponsorship.
Morgan Stanley assists its clients through a comprehensive range of wealth management services designed to help them achieve their financial goals. The firm offers personalized financial advisory services, leveraging a wide array of proprietary and third-party products to create customized financial plans. Clients benefit from access to institutional-caliber managers, portfolio solutions, and innovative investment opportunities. Morgan Stanley's wealth management capabilities include investment advisory services, securities-based lending, risk management, and alternative investments. The firm also provides socially responsible investing options, risk-based allocation models, and lending and cash management solutions. Additionally, Morgan Stanley offers traditional investments such as mutual funds, individual retirement accounts, and tax-efficient portfolios, as well as alternative investments like hedge funds and private equity funds. Clients can also access insured solutions, capital markets services, and value-added services like donor-advised funds and tax management strategies. The firm emphasizes a personalized approach, utilizing state-of-the-art technology to mitigate taxes and assess risk factors, ensuring that clients receive tailored advice and solutions that align with their financial objectives.
We invite you to stop in or give us a call to discuss your sophisticated needs, aspirations, and challenges. Together, we’ll forge a path that seeks to preserve your wealth and create potential new opportunities to help you get more out of life, do more for your family, and support the causes you care about most in the community.
Services Provided
- Retirement PlanningFootnote1
- Saving for CollegeFootnote2
- Maintaining Cash Flow
- Long-term Care InsuranceFootnote3
- Traditional Investments
- Alternative InvestmentsFootnote4
- Insurance ServicesFootnote5
- Investing with ImpactFootnote6
- Legacy PlanningFootnote7
- Succession PlanningFootnote8
- Family Mission Statements
- Next Generation EducationFootnote9
- Lending SolutionsFootnote10
- Cash Management SolutionsFootnote11
Our Team at Morgan Stanley Farmington Branch
Heather Holmes
Associate Vice President, Resident Manager
Phone:
(505) 326-9332(505) 326-9332
Jessie Maestas
Assistant Vice President, Business Service Officer
Phone:
(505) 889-2897(505) 889-2897
About Brad Hull
As Market Manager for New Mexico, Brad’s leadership helps drive growth in the Albuquerque, Santa Fe, and Farmington markets. Brad is responsible for recruiting and retaining employees, developing cohesive teams, managing risk, driving revenue growth, and maintaining a superior and consistent level of client service. Brad helps advisors focus on business planning, marketing, training and development, strategic partnering and teaming to bring the full capabilities of Morgan Stanley to each client’s unique needs.
Brad has over 25 years of experience in leadership as a manager, investment banker, and financial advisor with Morgan Stanley, Merrill Lynch, Bay Capital Partners, Baird and Smith Barney. Brad earned an MBA from the University of Denver’s Daniels College of Business and a Bachelor of Science in Finance from Colorado State University.
Brad has over 25 years of experience in leadership as a manager, investment banker, and financial advisor with Morgan Stanley, Merrill Lynch, Bay Capital Partners, Baird and Smith Barney. Brad earned an MBA from the University of Denver’s Daniels College of Business and a Bachelor of Science in Finance from Colorado State University.
About Heather Holmes
eather is a Morgan Stanley Financial Advisor and the Resident Manager for the Farmington NM branch. Heather began her career in the financial industry in 2014, joining Morgan Stanley in 2019. She holds various licenses and registrations including the Securities license, Series 7, and Series 63/65. She also holds the supervisory licenses Series 9 and 10 as well as Insurance licenses for Life, Health, and Variable Annuity Contracts.
Heather grew up in Farmington NM, graduating from Farmington High School in 1998. Heather was a division 1 NCAA College softball pitcher for Syracuse University, where she earned her degree in 2002. She then went on to receive a Master’s Level degree from the University of Denver in 2003. After her time pitching for Syracuse, she was asked to join the Great Britain International Women’s Softball team, which provided her an opportunity for international travel. She was able to visit many countries and meet an array of people during her time with the team.
Although Heather left the area in 1998 to pursue higher education and to explore other cities, she and her husband Matt returned to Farmington in 2010 after the birth of their first child. They now have two children, who participate with local schools, sports, and activities. Heather and Matt are residents of the Foothills area and enjoy being involved in the community and plan to take advantage of all the amazing things it has to offer.
Heather grew up in Farmington NM, graduating from Farmington High School in 1998. Heather was a division 1 NCAA College softball pitcher for Syracuse University, where she earned her degree in 2002. She then went on to receive a Master’s Level degree from the University of Denver in 2003. After her time pitching for Syracuse, she was asked to join the Great Britain International Women’s Softball team, which provided her an opportunity for international travel. She was able to visit many countries and meet an array of people during her time with the team.
Although Heather left the area in 1998 to pursue higher education and to explore other cities, she and her husband Matt returned to Farmington in 2010 after the birth of their first child. They now have two children, who participate with local schools, sports, and activities. Heather and Matt are residents of the Foothills area and enjoy being involved in the community and plan to take advantage of all the amazing things it has to offer.
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Branch Address
4801 N Butler
Ste 14101
Farmington, NM 87401
US
Branch:
(505) 327-6201(505) 327-6201
Fax:
(505) 325-4105(505) 325-4105
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
Sean Lavin
Trust Specialist
Clint Eddy
Family Office Resource Generalist
About Rick Dombrowski
Rick Dombrowski is a Private Banker serving Morgan Stanley Wealth Management offices in Arizona.
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.
Rick began his career in financial services in 1996, and joined Morgan Stanley in 2014 as a Private Banker. Prior to joining the firm, he was a Private Banker at BBVA Compass. He also served as a Credit Analyst,
Private Banker and Regional Credit Manager at Wells Fargo Bank, N.A.
Rick is a graduate of Arizona State University, where he received a Bachelor of Science in Finance. He lives in Scottsdale, Arizona with his family. Outside of the office, Rick enjoys music, skiing, and traveling.
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.
Rick began his career in financial services in 1996, and joined Morgan Stanley in 2014 as a Private Banker. Prior to joining the firm, he was a Private Banker at BBVA Compass. He also served as a Credit Analyst,
Private Banker and Regional Credit Manager at Wells Fargo Bank, N.A.
Rick is a graduate of Arizona State University, where he received a Bachelor of Science in Finance. He lives in Scottsdale, Arizona with his family. Outside of the office, Rick enjoys music, skiing, and traveling.
NMLS#: 512436
About Sean Lavin
Sean is a Regional Trust Specialist for Morgan Stanley based in Los Angeles. He is responsible for supporting Private Wealth Advisors and their clients’ legal counsel in developing trust and fiduciary solutions for families, institutions and charities. Sean works closely with clients and their legal and strategic advisors to help educate them on appropriate trust vehicles designed to meet the clients’ specific goals and objectives. Sean also provides advice on how to utilize the fiduciary services available through the Morgan Stanley’s comprehensive third party trustee platform that is available to clients.
Sean joined Morgan Stanley in 1999 including several years as a Senior Vice President and Regional Trust Specialist with Smith Barney and Citi Trust. Prior to then, Sean was a Senior Trust Officer with Merrill Lynch / Bank of America.
Sean graduated from the University of Southern California with a bachelor’s degree in business administration and received his master’s degree in business administration from the UCLA Anderson School of Management. Sean holds the Certified Financial Planner and Certified Trust and Financial Advisor designations and is Series 7 and 66 licensed.
Sean joined Morgan Stanley in 1999 including several years as a Senior Vice President and Regional Trust Specialist with Smith Barney and Citi Trust. Prior to then, Sean was a Senior Trust Officer with Merrill Lynch / Bank of America.
Sean graduated from the University of Southern California with a bachelor’s degree in business administration and received his master’s degree in business administration from the UCLA Anderson School of Management. Sean holds the Certified Financial Planner and Certified Trust and Financial Advisor designations and is Series 7 and 66 licensed.
About Clint Eddy
Clint Eddy is an Executive Director with the Family Office Resources (FOR) team at Morgan Stanley. As a Generalist with FOR he helps clients and Advisors curate and navigate an expansive suite of highly specialized resources to address the complex, multifaceted challenges of managing significant wealth so clients may make complicated decisions confidently.
Prior to joining Morgan Stanley in 2022, Clint was a Wealth Strategist at Merrill Lynch for over 15 years. Clint also practiced tax and business law at the law firm of Fox Rothschild for over six years. He was a member of the firm’s Estate Planning and Tax and Corporate Transactions groups. Clint is a member of Washington State Bar Association (WSBA) and is actively involved in the WSBA’s Real Property, Probate and Trust section. He is the co-author of the Washington Partnership and Limited Liability Company Deskbook and was named a “Rising Star” by Washington Law and Politics magazine.
Clint received his Master of Laws in Taxation from the University of Washington School of Law, his Juris Doctor from the University of Oregon School of Law, and his Bachelor of Arts from the University of Washington. He is Series 7 and 66 licensed.
Outside of work Clint is an avid, but admittedly, pretty awful skier. He and his fiancé live in Seattle with their 10 year old Boston Terrier named Annie.
Prior to joining Morgan Stanley in 2022, Clint was a Wealth Strategist at Merrill Lynch for over 15 years. Clint also practiced tax and business law at the law firm of Fox Rothschild for over six years. He was a member of the firm’s Estate Planning and Tax and Corporate Transactions groups. Clint is a member of Washington State Bar Association (WSBA) and is actively involved in the WSBA’s Real Property, Probate and Trust section. He is the co-author of the Washington Partnership and Limited Liability Company Deskbook and was named a “Rising Star” by Washington Law and Politics magazine.
Clint received his Master of Laws in Taxation from the University of Washington School of Law, his Juris Doctor from the University of Oregon School of Law, and his Bachelor of Arts from the University of Washington. He is Series 7 and 66 licensed.
Outside of work Clint is an avid, but admittedly, pretty awful skier. He and his fiancé live in Seattle with their 10 year old Boston Terrier named Annie.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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
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.
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Tax laws are complex and are subject to change. 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. 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.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Alternative 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6The returns on a portfolio consisting primarily of sustainable investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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, charitable giving, philanthropic planning and other legal matters.
8Morgan 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.
9Tax laws are complex and are subject to change. 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. 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.
10Morgan 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
11Morgan 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
Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).
The investments and products listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments or products, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. The appropriateness of a particular investment or product will depend upon an investor's individual circumstances and objectives.
Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Tax laws are complex and are subject to change. 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. 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.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Alternative 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6The returns on a portfolio consisting primarily of sustainable investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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, charitable giving, philanthropic planning and other legal matters.
8Morgan 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.
9Tax laws are complex and are subject to change. 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. 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.
10Morgan 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
11Morgan 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
Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).
The investments and products listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments or products, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. The appropriateness of a particular investment or product will depend upon an investor's individual circumstances and objectives.
Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
Awards Disclosures | Morgan Stanley
CRC 4665150 (08/2025)