Our Story

The skills needed to achieve financial success are not always consistent with the talents necessary to grow and manage significant wealth. Holistic financial planning requires attention to a broad range of disciplines, ranging from investment management to insurance protection to estate planning strategies.  The process of building a fulfilling career – or a great company – may not leave you with the time or means to focus on your personal finances. Being successful in business, however, does teach you how to delegate effectively.

At The Forte, Mason D’Amico Group at Morgan Stanley, we liken our relationship with you to that of a “CEO” and “CFO” of a successful organization. You serve as the “CEO,” setting the vision; we act as your “CFO,” helping turn that vision into reality through the implementation of a comprehensive set of strategies that is well structured and coordinated striving to achieve results. As we begin to work together, we are confident you will come to regard us as seasoned wealth management professionals, here to help you make more informed decisions on any financial challenge you face. We are committed to helping you preserve and build your investment portfolio and will work seeking to strengthen your family’s financial wellness now and for generations to come.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Who We Work With

Our clients are much more than a portfolio of assets – they are professionals and families with active lives, who seek a team of seasoned advisors who will provide them with thorough, unbiased and carefully considered guidance on a full range of financial topics. When you work with us, you will be treated with respect, care and an unwavering commitment to you and your family.
    Icon Image
    Corporate Executives
    Whether you require the advice or capital required to potentially grow your business or simply a plan which can build your assets and on your continued success, our team is ready to help you meet your goals.
    Icon Image
    Business Owners & Entrepreneurs
    Whether you require assistance navigating the sale or transfer of your business, the advice or capital required to grow the business, or simply a plan which can help preserve your assets and build on your continued success, The Forte, Mason, D'Amico Group is properly equipped to help you.
    Icon Image
    Corporate Professionals
    No matter the realm of your profession, whether that be legal, technological or medical based, we are here to help you create a customized plan tailored to your goals.
    Icon Image
    Multi-Generational Families
    While all multi-generational families face complex financial issues, each has its own challenges, opportunities and aspirations. Based on a deep understanding of these factors, we can help you create a customized, comprehensive plan to help you achieve your unique vision of a successful life and legacy for both you and your family

Working With You

Your achievements reflect substantial effort. As your team of advisors, we work just as hard on your behalf, committing our experience, knowledge and skills to helping you achieve your personal and professional goals.

Over the years, we’ve developed a disciplined four-step consulting process to uncover your most important goals, so we may design and implement appropriate solutions to help enable you achieve – and maintain – financial success.
    Icon Image
    1: Getting to Know You and Your Goals
    We begin with an in-depth conversation where we listen carefully to understand what is important to you, your family and your legacy. We learn about the values that shape your decisions and identify any challenges and circumstances unique to your personal situation.
    Icon Image
    2: Formulate Strategy
    Next, we review your current and future financial situation, help determine the likelihood of reaching your goals and address any potential shortfalls or the impact of unexpected life events. In this step, we may also contact your CPA and estate attorney to understand your existing estate plan, so we can ensure the strategies we recommend are cohesive and fully coordinated.
    Icon Image
    3: Implementation
    Here, we present a customized wealth management plan with specific strategies designed to help achieve your particular goals. Upon your approval, we set into motion a course of action that is focused on aligning your values with your vision for the future.
    Icon Image
    4: Monitor and Review
    Once your plan is underway, we oversee the progress towards your goals through ongoing calls and meetings. We may recommend adjustments over time, due to changing market conditions or changes in your circumstances, to help keep you on track towards achieving your goals.

Awards & Philanthropy

Forbes - Forbes Best-In-State Wealth Management Teams (The FMD Group) 1/2025 (#14 in CT)
Forbes - Best-In-State Wealth Advisors (Steve) 4/2024
Forbes - Best-In-State Wealth Advisors (Steve) 4/2023
Forbes - Best-In-State Next-Gen Wealth Advisors (Steve) 8/2022
Forbes - Best-In-State Wealth Advisors (Steve) 2/2022
Forbes - Top Next-Gen Wealth Advisors (Steve) 9/2021
Forbes - Best-In-State Wealth Advisors (Steve) 2/2021
Forbes - Top Next-Gen Wealth Advisors (Steve) 7/2020
Forbes - Best-In-State Next-Gen Wealth Advisors (Steve) 09/2019
Forbes - America’s Top Next-Gen Wealth Advisors (Steve) 03/2018
PLANADVISER’s Top 100 Retirement Plan Advisers (Steve, Mike, Roger) 02/2018
Forbes - America’s Top Next-Gen Wealth Advisors (Steve) 07/2017

2025 Forbes Best-In-State Wealth Management Teams: Source: Forbes (Award Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24.
​2017-2023 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (2017-2023). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
​2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Source: planadviser.com (Awarded May 2018) Data compiled by ISS Media based on time period from 1/1/17-12/31/17.

“We make a living by what we get, but we make a life by what we give.” – Winston Churchill

The members of the Forte, Mason, D’Amico Group have a strong commitment towards bettering our local communities. We live in a world where talent is equally distributed but opportunity is not. We feel it’s our personal responsibility as decent human beings to provide time, energy and sponsorship dollars towards these tremendous organizations so that they may continue provide for those in need. Such organizations include:

The Center for Family Justice – Bridgeport, CT
The Child and Family Guidance Center – Bridgeport, CT
St. Vincent Medical Center Foundation – Bridgeport, CT
Chapel Haven – New Haven, CT
Operation Hope – Fairfield, CT
Autism Speaks – New York, NY
Wounded Warrior Project – Jacksonville, FL
National MS Society – New York, NY
Friends of Canton Football – Canton, CT
Canton Little League - Canton, CT
Canton Travel Basketball - Canton, CT

60 Seconds with Steve

    Icon Image
    60 Seconds with Steve- Episode #16
    The top 3 largest components of the average consumer balance sheet are: "Stock/Bond Investments other than pensions or money markets" at 41%, Homes 26% and Pensions at 19%. This week we're breaking down where all the assets are. How do you stack up?
    Please Click Here to Watch
    Icon Image
    60 Seconds with Steve- Episode #15
    What does the federal government's balance sheet look like? How much do they tax us? Where do they spend all that money? Let's have a look at the federal budget in this week's episode of 60SWS. Enjoy!
    Please Click Here to Watch
    Icon Image
    60 Seconds with Steve- Episode #14
    Are stocks cheap? This week I introduce you to a fundamental indicator called the P/E Ratio. We use this in the industry to estimate how cheap or expensive a stock price is. The numbers are encouraging!
    Please Click Here to Watch
    Icon Image
    60 Seconds with Steve- Episode #13
    Oil - who's producing it? How much do we need to survive? Who do we buy it from and sell it to? All these questions answered in this week's "60SWS".
    Please Click Here to Watch
    Icon Image
    60 Seconds with Steve- Episode #12
    "Fed Tightening" - Every day we hear this term but few understand exactly what it means. Here is a short video explaining why it's important to you!
    Please Click Here to Watch
    Icon Image
    60 Seconds with Steve- Episode #11
    It's been a rough year in the market... no doubt about that. The perfect storm of rising interest rates, inflation, lower corporate earnings and the Russia/Ukraine conflict have triggered Stocks AND Bonds to decrease across the board.

    This is my guide for Market Corrections. Enjoy.
    Please Click Here to Watch
    Icon Image
    60 Seconds with Steve- Episode #10
    What does it mean to be "Rich???" Well, after nearly 20 years in this business, this is what I think defines it best...at least monetarily.
    Please Click Here to Watch
    Icon Image
    60 Seconds with Steve- Episode #9
    College, how much is it today? How much additional earning potential can you expect to receive from your degree? What is the best way to save?
    Please Click Here to Watch
    Icon Image
    60 Seconds with Steve- Episode #8
    ESG Investing - What is it? How can I get involved?
    Please Click Here to Watch
    Icon Image
    60 Seconds With Steve- Episode #7
    How does Medicare work?
    Please Click Here to Watch
    Icon Image
    60 Seconds With Steve- Episode #6
    Why are unemployment numbers not back to pre-COVID levels? Where did all the workers go?
    Please Click Here to Watch
    Icon Image
    60 Seconds With Steve- Episode #5
    Inflation- what are the drivers?
    Please Click Here to Watch
    Icon Image
    60 Seconds With Steve- Episode #4
    How do we protect your accounts at Morgan Stanley? How can you protect yourselves?
    Please Click Here to Watch
    Icon Image
    60 Seconds With Steve- Episode #3
    Consumer Spending .
    Please Click Here to Watch
    Icon Image
    60 Seconds With Steve- Episode #2
    Social Security.
    Please Click Here to Watch
    Icon Image
    60 Seconds With Steve- Episode #1
    Bonds & Interest Rates.
    Please Click Here to Watch

Location

500 Post Rd E
3rd Flr
Westport, CT 06880
US
Direct:
(203) 222-4098(203) 222-4098
741 Boston Post Rd
Madison, CT 06443
US
Direct:
(203) 499-4917(203) 499-4917
433 S Main St
#100
West Hartford, CT 06110
US
Direct:
(860) 313-7140(860) 313-7140

Meet Forte, Mason, D'Amico Group

About William M Forte

For nearly 24 years, Mike has been providing highly customized advice and retirement planning services to business owners, retirement plan participants and individuals who have made personal sacrifices to be in a position to outsource the important role of money management. With a passion for comprehensive wealth planning, Mike delivers objective advice through exceptional “high touch” service to the companies and families he proudly serves.

Mike understands the importance of hard work, focus and the power of compounding. Upon receiving his two-year M.B.A. degree in only one year while working nights and playing Division 2 football, he set out to be a Financial Advisor at Smith Barney, a predecessor firm of Morgan Stanley. Inspired by his grandfather, he knew at an early age he wanted help people achieve their financial goals. His grandfather had the foresight to invest in blue-chip stocks in the 1930s, generating income for his grandmother and bequeathing over a million dollars to his children.

As an experienced Financial Advisor, Mike deepened his professional competence by earning his Corporate Retirement Director (CRD) and Government Entity Specialist designations at Morgan Stanley. He focuses on developing financial strategies for his clients that are appropriate to help meet their specific wealth management needs, whether they are planning for retirement, buying a new home, managing debt or insuring their family legacy. He takes great pride in his approachable style for helping them make well-informed decisions and maintaining the discipline necessary to navigate the most challenging of markets. He also helps them oversee and manage their finances, so they can take care of the people they love, spend more time pursuing the activities they enjoy and support the causes that are most important to them.

Originally from Mansfield, Massachusetts, Mike attended high school a Xaverian Brothers in Westwood. He later earned his Business and M.B.A. degrees from the University of New Haven. Mike and his wife, Julie, currently live in Canton, Connecticut and are the proud parents of Vincent and Catherine. Mike is heavily involved in coaching his children’s various sporting activities, which include baseball, soccer, softball, basketball and football. In his free time, he enjoys spending as much time as possible with his family, playing music and relishing the simple things in life.

NMLS# 190574
CA Insurance License #0I11289
Securities Agent: KS, MA, OK, ID, FL, AZ, OH, NH, NC, CT, NJ, IN, CA, UT, PA, MT, ME, GA, NY, WY, WA, VA, SC, CO, IL, MS, MN, MD, IA, DE, VT, TX, RI, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 190574

About Roger J Mason

An experienced professional, Roger focuses on portfolio management and tax efficient strategies for high net worth individuals in the greater New York City area and around the country. He serves as the team’s lead portfolio manager, effectively managing two Portfolio Management strategies for the team. He utilizes Morgan Stanley’s world class research capabilities on a daily basis and studies a variety of technical indicators to actively manage the portfolios for the clients of The Forte Mason D’Amico Group.

Roger grew up in a household focused on finance, as his grandfather, father and two uncles were CPAs. This experience enables him to be more attuned to the issues investors commonly share. As a member of Morgan Stanley’s Professional Alliance Program since 2001, he has built a strong network of accountants and legal professionals. He believes it is critical to work closely with a client’s tax and estate professionals to ensure the strategies he recommends are working in tandem to help optimize performance.

With his extensive portfolio management experience, Roger has developed a strong understanding of macro economics and has cultivated skills in investment management and stock selection. He has built two portfolio management strategies for his clients that involve a broad array of important stock criteria, including P/E ratio, PEG ratio, short interest, debt vs. cash flow and price-to-book. He also looks at stocks from a technical standpoint, using MACD, RSI and moving averages.

A graduate of St. Michael’s College with a B.S. degree in Business Administration, Roger has remained committed to professional development. Since beginning his financial services career at Morgan Stanley in 2000, he has earned important credentials, including his Certified Retirement Planning Specialist (CRPS®) designation in 2015, Corporate Retirement Director in 2016.

Originally from Westbrook, Roger has enjoyed living on the shoreline in Clinton, CT for the past seven years. He loves to spend time with his son, Ryan, fishing, boating and kayaking on the water. With family settled in Naples, FL, he also visits Florida regularly.

NMLS# 1272708

Technical analysis is the study of past price and volume trends of a security in an attempt to predict the security's future price and volume trends. Its limitations include but are not limited to: the lack of fundamental analysis of a security's financial condition, lack of analysis of macro economic trend forecasts, the bias of the technician's view and the possibility that past participants were not entirely rational in their past purchases or sales of the security being analyzed. Investors using technical analysis should consider these limitations prior to making an investment decision.
Securities Agent: MA, DC, TN, NC, MD, WY, NJ, MT, MN, KS, UT, SC, PA, RI, OR, MI, FL, CA, NH, MS, DE, AZ, NV, IL, ID, WA, OK, NY, VT, OH, ME, WV, VA, MO, IA, CT, CO, TX, IN, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1272708

About Steven D D'Amico

A seasoned professional of 20 years, Steven enjoys working with financially successful professionals, corporate executives and business owners, providing highly personalized advice through a disciplined wealth management approach. His diverse background in the financial services industry enables him to help his clients understand the intricate details of their personal wealth. He focuses on what is most important to each client, so he can develop a customized plan striving to build, preserve and transition their wealth.

A graduate of the University of Connecticut where he earned his degree in Finance with an Economics minor, Steven began his career in financial services at Morgan Stanley in 2003. Over the years, he has remained committed to professional development, receiving the Alternative Investments Director designation in 2019, earning his Chartered Retirement Plans Specialist® (CRPS®) certification from The College for Financial Planning in 2016 and his Corporate Retirement Director (CRD) designation from Morgan Stanley in 2016. In 2023 and 2022 he ranked on the Forbes Best-In-State Wealth Advisors List. In 2021 he was ranked on the Forbes Best-In-State Wealth Advisor List and the Forbes Top Next-Gen Wealth Advisors List. In 2020 he was 1 of 6 people named "Top Next-Gen Wealth Advisors" by Forbes in Connecticut (and the only advisor from Morgan Stanley). In 2019 he ranked #10 on the Forbes Best-In-State (CT) list and took the #1 spot at Morgan Stanley. In 2017 and 2018, he was honored by Forbes as one of “America’s Top Next-Generation Advisors,” named “Top 100 Retirement Plan Advisors” in the country by PlanAdvisor Magazine, and was highlighted in the “Top Plan Advisors Under 40” category by the National Association of Plan Advisors (NAPA).

With Steven’s extensive experience, he has developed a strong understanding of the equity markets and is well versed in high-end alternative investments, specifically private equity, hedge funds and real estate offerings that are available to accredited investors and qualified purchasers. He has cultivated dedicated skills in 401(k) plans with an emphasis on risk management, investment evaluation and replacement, sponsor education and plan design. Steven’s ultimate objective is to be the last financial advisor you will ever need.

Steven’s passion for working with his clients is equaled only by his dedication to his community and his family. He and his wife, Yasmeen, sponsor and support a number of important causes, including the Center for Family Justice, St. Vincent Medical Center Foundation, Operation Hope, The Child and Family Guidance Center, Chapel Haven and Wounded Warrior Foundation to name a few.

A native of Connecticut, Steven and his wife Yasmeen currently live in Southport with their son Pierce and 2 dogs Bailey and Daisy. Steven enjoys spending quality time with friends and family, skiing, hiking, boating, tennis, photography, singing Sinatra, traveling and playing the piano. He also enjoys spending time in New York City exploring museums, art galleries, and restaurants and vows to visit one new country every year.

​2019, 2021, 2022, 2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2021, 2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.

​2017, 2018, 2020, 2021 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2017, 2018, 2020, 2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.

2017-2018 PLANADVISER Retirement Plan Adviser of the Year (previously referred to as PLANSPONSOR Retirement Plan Adviser of the Year)
Source: planadviser.com (Awarded 2017-2018) Data compiled by ISS Media during the period from 1/1 – 12/31 of the year preceding the award.

2017-2018 NAPA's Top Retirement Plan Advisors Under 40 (Aces) (previously referred to as NAPA's Top Retirement Plan Advisors Under 40 (Young Guns))
Source: Source: napa-net.org (Awarded 2017-2018) Data compiled by NAPA from Aug of the year prior to the award – Aug of the year the award was given.
Securities Agent: OR, NC, MA, ID, DC, GA, TN, OH, NJ, AZ, MT, WA, DE, CA, NH, IN, MS, MN, ME, IL, IA, FL, CT, CO, WY, TX, RI, VT, SC, PA, OK, KS, UT, NY, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 1272967
CA Insurance License #: OI13103

About Thomas Aldrich

Tom graduated from the University of Connecticut with a degree in Marketing. He has his Series 7, Series 66, Life and Health Insurance Licenses. He has been with the firm since 2011. Tom's main roles within the group include 401(k) platform and fund analysis. He's responsible for assisting with plan conversions, allocation models, and helping execute rollovers for plan participants.

About Glenn Karwic

Glenn was the Complex Risk Officer, Vice President, in Morgan Stanley's West Hartford office before joining the Forte, Mason, D'Amico Group as Senior Registered Associate. He has been responsible for a wide range of Compliance, Risk, and Operations functions throughout his career. Glenn has his FINRA Series 3, 7, 9, 10, 24, 51, and 66 licenses. 

About Joann Carballera

Joann has been with Morgan Stanley for over 20 years. She is a graduate of the Fashion Institute of Technology (FIT) in New York City. She has her Series 7 General Securities Representative, Series 66 Uniform Combined State Law & Investment Advisor and Series 63 licenses. Joann brings her tremendous experience, knowledge, and attention to detail to our practice.
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
4 Financially Smart Ways to Take Money Out of Retirement Accounts
Article Image

4 Financially Smart Ways to Take Money Out of Retirement Accounts

Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.

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
2025 Global Economic Outlook: U.S. Policies May Temper Global Growth
Article Image

2025 Global Economic Outlook: U.S. Policies May Temper Global Growth

Global growth is likely to be around 3% in 2025 and 2026, as tariff and immigration policies begin to slow the U.S. economy late next year, and China's underperformance restrains emerging markets.

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
Taking Control of Your Finances After Death of a Spouse
Article Image

Taking Control of Your Finances After Death of a Spouse

Financial planning after a divorce or death can be trying, but with the right approach and the right advice you can turn a difficult situation into empowerment.

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
  • Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image

Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

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
Donor Advised Funds: A Smart Way to Manage Your Giving 
Article Image

Donor Advised Funds: A Smart Way to Manage Your Giving 

There’s more to charitable giving than you may realize. Here’s one method that may be a tax-efficient way to give and can help maximize your impact.

Retirement for Plan Sponsors

End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
  • Plan Evaluation
  • Investment Management
  • Plan Management Support
  • Plan Participant Education
State of the Workplace Study 2023
Article Image

State of the Workplace Study 2023

Explore Morgan Stanley at Work’s State of the Workplace III Financial Benefits Study results. Discover workforce challenges and how to stay competitive.

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.
The Business Case for a Financially Resilient Workforce
Article Image

The Business Case for a Financially Resilient Workforce

In the face of turbulent markets, the word “resilience” may be top of mind. Broadly speaking, resilience is the ability to “bounce back” when encountering life’s inevitable challenges.
Ready to start a conversation? Contact Forte, Mason, D'Amico Group today.
Market Information Delayed 20 Minutes
1Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.

Back to top



2When 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.

Back to top



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.

Back to top



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, charitable giving, philanthropic planning and other legal matters.

Back to top



5Morgan 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.

Back to top



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.

Back to top



7When 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.

Back to top



8Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.

Back to top



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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney.  The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.

Awards Disclosures
CRC 6491812 (04/2024)