Craig Foreman, CIMA®, QPFC
Executive Director, Financial Advisor
Phone:
(425) 202-0653(425) 202-0653
Foreman Rial Group at Morgan Stanley
Direct:
(425) 202-0659(425) 202-0659
Our Mission Statement
Providing experienced, personalized wealth management guidance that reflects each client’s unique goals, values, and priorities through thoughtful listening, trusted advice, and ongoing support.
Our Story and Services
Our Philosophy
Guided by experience. Focused on what matters to you.
At Foreman Rial, we recognize that wealth management is about more than investments—it's about the people, aspirations, and values behind them. We combine decades of experience, thoughtful guidance, and personalized service to help individuals and families navigate life's financial decisions with confidence. Whether addressing complex wealth strategies or everyday questions, our team is committed to understanding what matters most to you and helping you pursue your goals with clarity and purpose.
Our Approach
No two clients are alike, which is why we don't believe in a one-size-fits-all approach. We begin by listening and learning about your goals, priorities, concerns, and the people who matter most to you. From there, we help you make informed decisions and develop strategies that reflect your unique circumstances. As your life changes, we remain a trusted resource, providing thoughtful guidance and support along the way.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WEALTH MANAGEMENT BUILT ON A FOUNDATION OF TRUST
For nearly a century, Morgan Stanley has been a global leader in financial services. At Morgan Stanley Wealth Management, exclusive access to vast resources, combined with our unique capabilities, gives our team the means to support our client's goals at every stage in their lives.
Putting Clients First for 90+ Years
For 90 years, Morgan Stanley has put our clients at the center of all that we do. We harness the capabilities and insights of our integrated team to help clients raise, manage and allocate capital, and we continuously evolve to create a better future in the communities where we live and work.
Adopting Artificial Intelligence
Morgan Stanley's Firmwide AI team unifies our organization's efforts to harness the full power of AI and steward its use in line with our Core Values. Our research and tools embody human-centric design, help protect our data and systems, and incorporate robust controls and oversight.
Financial Planning
Morgan Stanley Financial Planning can show you a 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 award winning tools- Goals Planning System (GPS) and LifeView.
Tax Management Services
Morgan Stanley Total Tax 365 offers a full spectrum of tax-efficient solutions to help mitigate the tax drag on your portfolio—so you can keep more of what you earn and improve after-tax returns.
Family Office Capabilities
When it comes to providing institutional-level support for your family office, scale matters. Our offering aims to bring together specialized investment services and operational support to enhance your life and legacy.
Best-In-Class Cybersecurity
Morgan Stanley proactively defends our systems and monitors our digital landscapes to anticipate issues before they arise and responds appropriately when they do. The Firm is actively supporting a multitude of layers of security.
PERSONALIZED SOLUTIONS
Our investment strategies utilize Morgan Stanley's many resources and are customized to help give each client what they want, and need, at every stage of their financial life through retirement, taking into consideration taxes, estate planning and any other goals they have.
Products and Planning
You want to make a long-term financial plan, manage day-to-day cash, and prepare for the unexpected. Our team has the planning capabilities, personalized support and innovative solutions you're looking for. We can help you manage your financial life—so you can stay focused on what truly matters.
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.
Portfolio Management Insights
Our team strives to help investors find fresh perspectives and develop deeper understanding about markets and economies. Learn more about portfolio management with our experts and see how they deliver insights with clarity and transparency.
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Donor Advised Funds
A solution that may help you execute planned giving, offer an efficient way to donate complex and illiquid assets, and simplify charitable giving reporting while potentially mitigating taxes. Bring philanthropy into your wealth plan and help amplify the impact of your giving through the Morgan Stanley Global Impact Funding Trust (MS GIFT).
Cash Management and Lending Solutions
At Morgan Stanley, we offer unique cash management and lending solutions to complement your investments and help simplify your finances.
BUSINESS OWNER ADVISORY
We support business owners and corporate executives through key financial milestones, including business transitions, liquidity events, and equity-based planning.
Selling a Business
If you have poured years—maybe even decades—of your life into building a business, the time to sell may come with mixed emotions. Figuring out what comes after this significant milestone can seem daunting. We work with business owners to create a clear financial plan to help ensure the best outcome for founders, families and businesses.
Building a Family Enterprise That Lasts
While building a successful family business is a remarkable accomplishment in its own right, positioning future generations to build on that foundation can be far more challenging. Many founders want to continue creating long-term wealth for their families even after their succession.
Managing a Concentrated Stock Position
Executives who receive equity compensation often face a dilemma. While the link between company performance and share price may drive their personal wealth, many executives often find their investment portfolios overly concentrated in a single stock.
Supporting Founders and Entrepreneurs
As a company founder, you're aiming to scale your business, manage your personal wealth and take care of your employees. Morgan Stanley offers integrated solutions that support both your own financial goals and your company's growth. Explore our capital raising, wealth planning and workplace solutions.
Corporate Retirement Solutions
To meet the goals of your organization, you need the right partner. Whether you're seeking workplace financial benefits or customized investment strategies, we offer a powerful range of solutions.
Morgan Stanley At Work
Whether you're a global corporation or a growing start-up, we understand your needs and offer tailored solutions and technology to help meet them.
RESEARCH AND DIGITAL TOOLS
As a Morgan Stanley client, you have access to a suite of digital tools and resources aimed at helping you manage your finances with greater ease.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Insights and Ideas
Our clients benefit from access to the intellectual capital of our Global Investment Committee, a group of leading market thinkers uniquely dedicated to providing high-quality, industry-leading investment ideas to Wealth Management clients.
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, as well as a complete view of your assets and liabilities whether they are held at Morgan Stanley or elsewhere.
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Thoughts on the Market Podcast
Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Location
4000 Carillon Point
Suite 600
Kirkland, WA 98033
US
Direct:
(425) 202-0659(425) 202-0659
Meet Foreman Rial Group
John Rial, CFP®
Executive Director, Financial Advisor
Phone:
(425) 202-0659(425) 202-0659
Cole Foreman, QPFC
Senior Vice President, Financial Advisor
Phone:
(425) 202-0655(425) 202-0655
Rachel Teo, CRPC®
Assistant Vice President, Wealth Management Associate
Phone:
(425) 202-0623(425) 202-0623
Helen Tran
Assistant Vice President, Wealth Management Associate
Phone:
(425) 202-0640(425) 202-0640
About Me
Craig Foreman is a Financial Advisor with nearly four decades of wealth management experience. Before joining Morgan Stanley, he began his career with Merrill Lynch Wealth Management in 1986 and co-founded one of the firm’s first wealth management teams in the Pacific Northwest in 1998.
Craig works with families, business owners, executives, and entrepreneurs, helping them navigate complex financial decisions and align their investment strategies with their goals, values, and long-term priorities. His areas of focus include equity management, portfolio design, concentrated stock strategies, philanthropic planning, and customized portfolio construction.
As a qualified Portfolio Manager, Craig designs and manages personalized investment strategies that may include individual securities, model portfolios, and third-party investment solutions. He holds the Certified Investment Management Analyst® designation and earned a Bachelor of Science in Industrial Engineering from Stanford University, where he was a varsity basketball letterman. Craig is a longtime Bellevue resident and enjoys spending time with his sons, Cole and Dylan.
Craig works with families, business owners, executives, and entrepreneurs, helping them navigate complex financial decisions and align their investment strategies with their goals, values, and long-term priorities. His areas of focus include equity management, portfolio design, concentrated stock strategies, philanthropic planning, and customized portfolio construction.
As a qualified Portfolio Manager, Craig designs and manages personalized investment strategies that may include individual securities, model portfolios, and third-party investment solutions. He holds the Certified Investment Management Analyst® designation and earned a Bachelor of Science in Industrial Engineering from Stanford University, where he was a varsity basketball letterman. Craig is a longtime Bellevue resident and enjoys spending time with his sons, Cole and Dylan.
Securities Agent: AL, AZ, CA, CO, CT, DE, FL, GA, HI, ID, IL, MD, MA, MI, MT, NV, NJ, NM, NY, NC, OK, OR, PA, SC, TN, TX, UT, VA, WA, WV; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
About Me
John Rial is a Financial Advisor with more than 30 years of experience helping entrepreneurs, business owners, executives, and families pursue their financial goals through personalized wealth management strategies. He focuses on sophisticated investment planning, concentrated stock planning, restricted stock strategies, hedging and monetization techniques, and customized portfolio management.
John’s approach is collaborative and strategic, helping clients evaluate current opportunities while planning for long-term financial decisions. As a qualified Portfolio Manager, he manages personalized investment strategies tailored to each client’s needs and objectives. He is a CERTIFIED FINANCIAL PLANNER® professional and holds Series 7, 9, 10, 31, 63, and 65 FINRA registrations.
Originally from Pittsburgh, John earned a Bachelor of Science from Pennsylvania State University and served in the U.S. Navy during Operations Desert Shield, Desert Storm, and Noble Eagle. Outside of work, he enjoys golf, tennis, horseback riding, and supporting local nonprofit organizations.
John’s approach is collaborative and strategic, helping clients evaluate current opportunities while planning for long-term financial decisions. As a qualified Portfolio Manager, he manages personalized investment strategies tailored to each client’s needs and objectives. He is a CERTIFIED FINANCIAL PLANNER® professional and holds Series 7, 9, 10, 31, 63, and 65 FINRA registrations.
Originally from Pittsburgh, John earned a Bachelor of Science from Pennsylvania State University and served in the U.S. Navy during Operations Desert Shield, Desert Storm, and Noble Eagle. Outside of work, he enjoys golf, tennis, horseback riding, and supporting local nonprofit organizations.
Securities Agent: OK, IL, CO, WA, VA, MA, GA, SC, CT, NC, MT, FL, AZ, UT, OR, NV, MD, ID, WV, TN, DE, CA, NY, AL, HI, TX, NJ, MI, PA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 526765
NMLS#: 526765
About Me
Cole Foreman is a Financial Advisor who works with individuals, families, business owners, and retirement plan participants to help them make informed financial decisions and pursue long-term goals. He focuses on investor education, helping clients better understand complex financial topics in a clear and approachable way.
Before joining Morgan Stanley, Cole began his wealth management career with Merrill in 2018 after several years in executive and leadership roles across the corporate and media sectors. His broad business background helps inform his work with clients and plan sponsors. As a Certified Plan Fiduciary Advisor, he supports employer-sponsored retirement plans and provides participant education and resources.
Cole holds FINRA Series 7 and Series 66 registrations. A Bellevue native, he graduated from Washington State University in 2014 and remains active in the university’s alumni community. Outside the office, he enjoys golf, tennis, and cheering on the Cougars and Seahawks.
Before joining Morgan Stanley, Cole began his wealth management career with Merrill in 2018 after several years in executive and leadership roles across the corporate and media sectors. His broad business background helps inform his work with clients and plan sponsors. As a Certified Plan Fiduciary Advisor, he supports employer-sponsored retirement plans and provides participant education and resources.
Cole holds FINRA Series 7 and Series 66 registrations. A Bellevue native, he graduated from Washington State University in 2014 and remains active in the university’s alumni community. Outside the office, he enjoys golf, tennis, and cheering on the Cougars and Seahawks.
Securities Agent: AL, AZ, CA, CO, CT, DE, FL, GA, HI, ID, IL, MD, MA, MI, MT, NV, NH, NJ, NY, NC, OK, OR, PA, SC, TN, TX, UT, VA, WA, WV, WI; General Securities Representative; Investment Advisor Representative
About Rachel Teo
Rachel Teo is a Wealth Management Associate with more than 15 years of financial services industry experience. She plays an important role in supporting advisors and clients by helping implement wealth planning strategies, coordinating complex service requests, and supporting the team’s day-to-day operations.
Rachel began her career at Bank of America in 2010 and joined the Foreman Rial Group in 2015. Known for her organization, responsiveness, and attention to detail, she is committed to helping clients feel informed, supported, and cared for throughout their experience.
Rachel holds FINRA Series 7 and Series 66 registrations and earned the Chartered Retirement Planning Counselor™ designation through the College for Financial Planning®. Originally from Jakarta, Indonesia, she graduated from the University of Washington and lives in the Pacific Northwest with her husband, two children, and their double doodle.
Rachel began her career at Bank of America in 2010 and joined the Foreman Rial Group in 2015. Known for her organization, responsiveness, and attention to detail, she is committed to helping clients feel informed, supported, and cared for throughout their experience.
Rachel holds FINRA Series 7 and Series 66 registrations and earned the Chartered Retirement Planning Counselor™ designation through the College for Financial Planning®. Originally from Jakarta, Indonesia, she graduated from the University of Washington and lives in the Pacific Northwest with her husband, two children, and their double doodle.
About Helen Tran
Helen Tran is a Wealth Management Associate with more than a decade of experience in the industry. Her career began at Bank of America in 2012, and joined the team in 2020, bringing a client-focused mindset and strong operational discipline to her role.
Helen works closely with clients and advisors to coordinate wealth management strategies, support complex service needs, and help the team’s day-to-day operations run smoothly. Known for her responsiveness and attention to detail, she strives to help clients feel informed and supported throughout their financial journey.
Helen holds FINRA Series 7 and Series 66 registrations. Born and raised in Vietnam, she brings a deep appreciation for hard work, resilience, and community to her professional and personal life. Outside of work, Helen enjoys traveling, exploring different cultures, and cooking for family and friends.
Helen works closely with clients and advisors to coordinate wealth management strategies, support complex service needs, and help the team’s day-to-day operations run smoothly. Known for her responsiveness and attention to detail, she strives to help clients feel informed and supported throughout their financial journey.
Helen holds FINRA Series 7 and Series 66 registrations. Born and raised in Vietnam, she brings a deep appreciation for hard work, resilience, and community to her professional and personal life. Outside of work, Helen enjoys traveling, exploring different cultures, and cooking for family and friends.
Contact Craig Foreman
Contact John Rial
Contact Cole Foreman
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
Small Business Retirement Plans
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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:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Foreman Rial 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.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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.
5Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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.
5Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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)
