Tracy L. Knopp
Vice President, Director of Business Strategy
Phone:
(502) 562-5102(502) 562-5102
Gary R. Grigg, CFP®, CDFA®
Executive Director, Wealth Management,
Financial Advisor,
Senior Portfolio Management Director
Direct:
(502) 562-5114(502) 562-5114
Toll-Free:
(800) 488-4880(800) 488-4880
My Mission Statement
We are committed to help guide our clients with care so they may focus on areas of their lives that bring them joy, meaning, and purpose
Our Business is People and Their Financial Well Being
For more than 25 years, Gary Grigg has been helping individuals and families pursue their financial goals as a Financial Advisor at Morgan Stanley. He believes successful wealth management begins with understanding each client’s complete financial picture and developing personalized strategies that evolve alongside their lives, priorities, and the markets.
Throughout his career, Gary has built his practice on the belief that every client deserves thoughtful guidance tailored to their unique goals and circumstances. Whether planning for retirement, managing investments, preparing for a major life transition, or creating strategies to preserve and transfer wealth, his focus is on helping clients make informed decisions with confidence and clarity. By combining experience, personalized service, and a disciplined approach, Gary works to build lasting relationships that span generations.
Gary earned dual degrees in Economics and Finance from Indiana University before obtaining his CFP® certification in 2008 and his CDFA™ designation in 2011. These credentials, combined with more than three decades in the financial services industry, have strengthened his ability to help clients navigate complex financial decisions while keeping their long-term goals at the center of every recommendation.
Outside the office, Gary enjoys spending time with his wife, Nikki, and their three daughters, Molly, Emily, and Susie. He also enjoys boating, running, traveling, and the arts.
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.
Throughout his career, Gary has built his practice on the belief that every client deserves thoughtful guidance tailored to their unique goals and circumstances. Whether planning for retirement, managing investments, preparing for a major life transition, or creating strategies to preserve and transfer wealth, his focus is on helping clients make informed decisions with confidence and clarity. By combining experience, personalized service, and a disciplined approach, Gary works to build lasting relationships that span generations.
Gary earned dual degrees in Economics and Finance from Indiana University before obtaining his CFP® certification in 2008 and his CDFA™ designation in 2011. These credentials, combined with more than three decades in the financial services industry, have strengthened his ability to help clients navigate complex financial decisions while keeping their long-term goals at the center of every recommendation.
Outside the office, Gary enjoys spending time with his wife, Nikki, and their three daughters, Molly, Emily, and Susie. He also enjoys boating, running, traveling, and the arts.
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.
Services Include
- Financial PlanningFootnote1
- Corporate Retirement PlansFootnote2
- Retirement PlanningFootnote3
- Professional Portfolio ManagementFootnote4
- Divorce Financial AnalysisFootnote5
- Estate Planning StrategiesFootnote6
- Lending Products
- Cash ManagementFootnote7
- Planning for Education FundingFootnote8
- Wealth ManagementFootnote9
Securities Agent: NC, DC, SC, MO, CO, KY, IN, AZ, VA, TN, OH, DE, KS, WA, NY, IL, GA, FL, CA, MS, LA, WI, OR, NJ, MT, TX, AL, MI, MD, MA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1433342
NMLS#: 1433342
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
THE CFP® PROFESSIONAL
Obtaining the Certified Financial Planner (CFP®) certification is a rigorous process that requires individuals to demonstrate their dedication and expertise in the field. To earn the CFP® designation, candidates must complete a comprehensive education program, pass a challenging exam, accumulate years of relevant experience, and adhere to strict ethical standards.
As a client of ours, you can trust that you are working with professionals who have undergone rigorous training and have a deep understanding of the financial industry. We take a holistic approach to financial planning, taking into account various factors such as investments, taxes, retirement planning, estate planning, and risk management, among others. Please find below additional information regarding the CFP® designation and how our services can provide you valuable assistance:
As a client of ours, you can trust that you are working with professionals who have undergone rigorous training and have a deep understanding of the financial industry. We take a holistic approach to financial planning, taking into account various factors such as investments, taxes, retirement planning, estate planning, and risk management, among others. Please find below additional information regarding the CFP® designation and how our services can provide you valuable assistance:
Education
Completing a 2-3 year coursework program at a CFP® Board-approved institution is a crucial step for individuals seeking to become CFP® professionals. However, the education and learning process does not end there. Continuous education is required for recertification, ensuring that CFP® professionals remain well-versed in the latest financial planning knowledge and skills to provide exceptional service to their clients.
Examination
Earning the CFP® designation is a significant achievement in the competitive job market of financial planning. Candidates must pass a rigorous 7 hour exam that tests their knowledge of tax planning, retirement planning, investment management, estate planning, and insurance. The credential demonstrates professionalism and dedication to providing expert financial advice.
Experience
Individuals who wish to utilize the CFP® trademarks must first obtain certification as a financial planning professional under the CFP® designation. To earn this recognition, they must acquire a considerable amount of practical experience in financial planning services. This rigorous requirement ensures that only qualified and capable professionals are authorized to use the esteemed CFP® trademarks.
Ethics
As a CFP® professional, there is a paramount obligation to uphold the guiding principles of integrity, objectivity, competence, fairness, confidentiality, professionalism, and diligence. These ethical mandates are essential components of the CFP® Board's Code of Ethics, which underscores the profession's commitment to unparalleled standards of conduct. The Rules of Conduct further underscore the CFP® professional's duty to place the client's interests above all else, reflecting the profession's unwavering commitment to acting in the client's best interests.
CRAFTING YOUR PERSONALIZED WEALTH MANAGEMENT JOURNEY
My commitment lies in helping you realize your financial aspirations through a bespoke approach to wealth management that caters to your distinct requirements and ambitions. Acknowledging that every individual possesses unique financial circumstances, I firmly believe in creating a customized strategy that perfectly aligns with your specific situation.
I start by conducting a thorough assessment of your current financial standing, paving the way for the development of a tailor-made plan that encompasses both your immediate and long-term objectives. Recognizing that your financial landscape may evolve over time, I diligently review and adapt your strategy on a regular basis, ensuring its relevance and alignment with your ever-changing needs and goals. Our continuous partnership and collaboration is pivotal for you in attaining your financial success, learn more about my process below:
I start by conducting a thorough assessment of your current financial standing, paving the way for the development of a tailor-made plan that encompasses both your immediate and long-term objectives. Recognizing that your financial landscape may evolve over time, I diligently review and adapt your strategy on a regular basis, ensuring its relevance and alignment with your ever-changing needs and goals. Our continuous partnership and collaboration is pivotal for you in attaining your financial success, learn more about my process below:
Explore:
Your path begins with an in-depth dialogue, aimed at gaining a comprehensive understanding of your needs, lifestyle, family dynamics, and your envisioned future.
Provide Advice:
Together, we collaborate to formulate portfolio strategies that not only help you achieve your desired outcomes but also safeguard them for the future.
Execute:
By meticulously assessing various accounts and products, I assist you in implementing solutions that are tailored to your unique strategy.
Monitor Progress:
I monitor your progress, helping you overseeing your expenditure and savings, ensuring you remain steadfast on the path towards your goals.
Goals Planning System (GPS)
Our proprietary integrated planning tool, the Goals Planning System (GPS), represents the culmination of Morgan Stanley's intellectual prowess and expertise. This intuitive and streamlined platform serves as an evaluation tool, providing insights on whether you are "On Track" to accomplish your financial objectives.
Discover More
Spending and Budgeting Tool
As your partner at Morgan Stanley, you gain access to our robust Spending and Budgeting tool. This empowering resource offers valuable insights into cash flows across multiple accounts, tracks spending patterns, and provides comprehensive analysis of income and expenses. It equips you with the ability to adjust your spending behavior and make meaningful strides towards your financial goals.
Discover MoreYOUR One Stop Shop For All Things Morgan Stanley Research
At Morgan Stanley, we believe that a solid foundation in financial education is essential in gaining valuable insights into investment strategies and developing disciplined decision-making abilities. This in turn, leads to better long-term outcomes. With this in mind, we are dedicated to providing our clients with vital information on managing wealth effectively in today’s dynamic global markets.
To support this commitment, we have curated an array of resources that emphasize the fundamental investment strategies and concepts integral to our practice. We have made these resources easily accessible by providing links, and we encourage you to return frequently to deepen your understanding of the topics that impact your overall financial health.
To support this commitment, we have curated an array of resources that emphasize the fundamental investment strategies and concepts integral to our practice. We have made these resources easily accessible by providing links, and we encourage you to return frequently to deepen your understanding of the topics that impact your overall financial health.
On The Markets Research Report
Morgan Stanley’s esteemed thought leaders offer a comprehensive market commentary that provides in-depth insights on a variety of topics, including global equities, fixed income, monetary policy, and more.
Read The Latest Report
Thoughts On The Market Podcast
Gain valuable insights into the market's dynamics from the perspective of Mike Wilson, the highly respected Chief Investment Officer and Chief Equity Strategist for Morgan Stanley, and his team. Listen to the Team's dialogue encompassing diverse viewpoints on the latest trends in the financial marketplace, exploring the various forces that are shaping the industry.
Listen To The Latest EpisodeGIC Weekly Research Report
In this weekly analysis of markets, asset class performance, and fixed income, Lisa Shalett, Head of the Global Investment Office, provides her expert insights and a comprehensive perspective.
Read The Latest Report
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast delivers insightful narratives that illuminate the intricate workings of the business, finance, and technology landscapes. The Podcast provides listeners with a deeper understanding of diverse industries, making it an engaging and informative experience.
Check Out The Latest Episode
Global Insights Report
Stay informed about regional trends in international markets with Morgan Stanley's global multi-asset publication. Combining economic data and policy insights, this publication provides a thorough analysis for a deeper understanding of market dynamics.
Read The Latest Report
Tax Smart Investing
Tax management that is integrated into your investment process may help you grow your wealth. When it comes to tax-aware investing, you should think ahead—not just at tax time, but throughout the investment process. Tax-smart strategies may help lead to better overall outcomes.
Learn More HereOUR SUITE OF DIGITAL TOOLS
Digital technology is centered on how people communicate, consume, transact and travel. Our suite of digital tool offerings are designed to optimize every aspect of your financial life. Below, outlines a few of the technologies we have to offer our clients.
Morgan Stanley Online and MS Mobile
In addition to providing access to your account balance and activity, Morgan Stanley Online (MSO) offers a vast set of features designed to facilitate your daily financial management needs. With MSO, you can effortlessly handle various everyday tasks such as bill payments, sending money, fund transfers, and expedite transactions with a single click using eAuthorizations. These features are designed to streamline and simplify your financial management processes, ultimately saving you time and effort.
Morgan Stanley OnlineTotal Wealth View
With Total Wealth View, you can see your complete financial picture by aggregating your accounts from multiple sources in one place, allowing for a holistic view of your wealth. By leveraging this feature we can offer personalized and comprehensive advice, tailored to your specific financial situation, while also ensuring the security and privacy of your financial data.
Total Wealth VieweAuthorizations
eAuthorizations allows you to approve transactions electronically and securely with just a single click on Morgan Stanley Online and Mobile App.
eAuthorizations Client GuideDigital Vault
With the Digital Vault, on Morgan Stanley Online and the Mobile App, you can easily and securely access, upload, or share life's most important documents. Whether it's wills, deeds, financial statements, or tax fillings, the Digital Vault enables you to manage all of your records in one location, while maintaining the highest levels of data security and privacy.
Digital Vault Client GuideeSign
Our clients benefit from a streamlined document management process, enabling them to swiftly receive, review, and execute necessary documents without any of the delays associated with the physical mailing process. Using the eSign feature is an effortless process that only requires a valid email address and phone number to begin.
eDelivery
eDelivery offers our clients the convenience and flexibility of accessing their statements and other important documents in an electronic format, eliminating the need for paper copies. Clients who are registered in Morgan Stanley Online may enroll in eDelivery. The platform currently supports a wide range of documents including statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
eDelivery Client GuideLocation
4969 US Highway 42
Suite 1200
Louisville, KY 40222
US
Direct:
(502) 562-5114(502) 562-5114
Toll-Free:
(800) 488-4880(800) 488-4880
Fax:
(502) 562-5159(502) 562-5159
Meet My Team
Katelyn Bronger
Registered Client Service Associate
Phone:
(502) 394-4019(502) 394-4019
About Tracy L. Knopp
Tracy L. Knopp serves as Vice President and Director of Business Strategy, helping oversee the operational and strategic direction of the practice. With extensive experience in financial services and client relationship management, Tracy plays a key role in supporting both the team and the clients they serve.
Tracy is responsible for helping coordinate the day-to-day operations of the practice while working to enhance the overall client experience. Her thoughtful approach, leadership, and organizational skills help ensure clients receive attentive and personalized service.
Known for her professionalism and commitment to excellence, Tracy works closely with the team to help implement processes and strategies that support long-term client relationships and operational efficiency.
Outside of work, Tracy values spending time with her husband, son, family and friends. Tracy also enjoys staying involved in her community with service projects and personal growth opportunities. Her dedication to service and attention to detail make her an integral part of the team and a dedicated resource for clients.
Tracy is responsible for helping coordinate the day-to-day operations of the practice while working to enhance the overall client experience. Her thoughtful approach, leadership, and organizational skills help ensure clients receive attentive and personalized service.
Known for her professionalism and commitment to excellence, Tracy works closely with the team to help implement processes and strategies that support long-term client relationships and operational efficiency.
Outside of work, Tracy values spending time with her husband, son, family and friends. Tracy also enjoys staying involved in her community with service projects and personal growth opportunities. Her dedication to service and attention to detail make her an integral part of the team and a dedicated resource for clients.
About Katelyn Bronger
Katelyn Bronger serves as a Registered Client Service Associate and plays an important role in delivering a high level of service and support to clients. With more than ten years of experience in the financial services industry, she is committed to helping individuals and families feel confident and informed throughout their financial journey.
Known for her organization, responsiveness, and attention to detail, Katelyn works closely with clients to help ensure their needs are handled efficiently and professionally. She is passionate about making the financial process approachable and strives to create a positive experience for every client interaction.
Katelyn attended the University of Louisville, where she earned her bachelor’s degree in Political Science. Her passion for helping others and interest in finance led her to pursue a career in the industry, where she has built lasting relationships through dedicated client service and support.
Outside of the office, Katelyn enjoys spending time with her husband and two children, traveling, and making family memories whenever possible. She also studied American Sign Language during college and values opportunities to continue learning and connecting with others.
Known for her organization, responsiveness, and attention to detail, Katelyn works closely with clients to help ensure their needs are handled efficiently and professionally. She is passionate about making the financial process approachable and strives to create a positive experience for every client interaction.
Katelyn attended the University of Louisville, where she earned her bachelor’s degree in Political Science. Her passion for helping others and interest in finance led her to pursue a career in the industry, where she has built lasting relationships through dedicated client service and support.
Outside of the office, Katelyn enjoys spending time with her husband and two children, traveling, and making family memories whenever possible. She also studied American Sign Language during college and values opportunities to continue learning and connecting with others.
Wealth Management
From My Desk
Michael Wilson: Monthly Investment Perspectives Webcast
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
Article Image
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
Article Image
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
Article Image
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Gary R. Grigg 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley’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.
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, charitable giving, philanthropic planning and other legal matters.
6Morgan 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.
7Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Morgan 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.
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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley’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.
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, charitable giving, philanthropic planning and other legal matters.
6Morgan 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.
7Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Morgan 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.
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:
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
