Tracy L. Knopp
Vice President, Director of Business Strategy
Phone:
(502) 562-5102(502) 562-5102
Gary R. Grigg, CFP®, CDFA®
Senior Vice President,
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
Together my team and I work with a select group of families to help them work towards and maintain financial prosperity by implementing strategies that seek to maximize growth, preserve assets, and promote a tax efficient transfer of personal wealth. Our consultative process begins with an in-depth discussion of your current finances and future objectives. We’ll address issues you might have overlooked that can have a significant impact on your ability to retire as planned. Finally, we’ll determine how we can help you adjust your investment strategy as necessary to accommodate changing conditions and meet any unforeseen expenses and income demands that may arise during retirement. For me and my team, retirement planning means more than providing my clients with investment advice. It means helping them maintain the financial independence they’ve worked their whole lives to achieve. It means striving to ensure they have the means to pursue what’s most important to them. And it means understanding them as people with unique goals, values and circumstances that determine the strategies I develop on their behalf.
Gary Grigg attended Indiana University and double majored in Economics and Finance. Gary has worked in the finance industry since 1993. In fact, Gary has worked at Morgan Stanley for the past 20 years! In an effort to offer clients the most comprehensive financial planning tools, Gary obtained the prestigious CFP® (Certified Financial Planner) designation in 2008. Furthermore, Gary obtained the CDFA™ (Certified Divorce Financial Analysts) designation in 2011 in an effort to offer clients and prospective clients advice on the financial aspects of divorce and asset equality. Gary, along with his team, strives to offer the best advice with sound investment portfolios to help clients achieve a comfortable retirement. Gary and his wife, Nikki, have three daughters: Molly, Emily and Susie. His daughters are avid volleyball players. When Gary and his family are not participating in the Union Volleyball club they are intentional to set aside time to stay connected as a family with fun activities such as boating, running, traveling and the arts.
Gary was recently showcased for his commitment to clients and their future by being recognized in the Forbes Best-In-State Wealth Advisor for 2023 and 2024.
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.
"2023 Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22."
"2024 Forbes Best-In-State Wealth Advisors"
Source: Forbes.com (Awarded Apr 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
Gary Grigg attended Indiana University and double majored in Economics and Finance. Gary has worked in the finance industry since 1993. In fact, Gary has worked at Morgan Stanley for the past 20 years! In an effort to offer clients the most comprehensive financial planning tools, Gary obtained the prestigious CFP® (Certified Financial Planner) designation in 2008. Furthermore, Gary obtained the CDFA™ (Certified Divorce Financial Analysts) designation in 2011 in an effort to offer clients and prospective clients advice on the financial aspects of divorce and asset equality. Gary, along with his team, strives to offer the best advice with sound investment portfolios to help clients achieve a comfortable retirement. Gary and his wife, Nikki, have three daughters: Molly, Emily and Susie. His daughters are avid volleyball players. When Gary and his family are not participating in the Union Volleyball club they are intentional to set aside time to stay connected as a family with fun activities such as boating, running, traveling and the arts.
Gary was recently showcased for his commitment to clients and their future by being recognized in the Forbes Best-In-State Wealth Advisor for 2023 and 2024.
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.
"2023 Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22."
"2024 Forbes Best-In-State Wealth Advisors"
Source: Forbes.com (Awarded Apr 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
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: CA, MS, LA, NY, KY, IN, AZ, VA, TN, OH, DE, NM, KS, TX, AL, MI, MD, MA, DC, SC, MO, CO, WI, NC, OR, NJ, WA, IL, GA, FL; 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
Gary R. Grigg, CFP®, CDFA®
Financial Advisor, Senior Vice President, Senior Portfolio Management Director
About Tracy L. Knopp
Since beginning her career in January of 1990, Tracy has worked up the ranks from Receptionist to Administrative Assistant, Wealth Management Associate, and Financial Advisor. Over the course of her career, Tracy has obtained the Series 7, 66 FINRA Securities Licenses as well as NFA Series 31 and State Insurance Licenses. Completing the education and exam procedures for each of these licenses have allowed Tracy to walk alongside the team's clients providing assistance with real world experiences and providing insight to wealth management strategies that help to navigate complex financial paths.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
About Katelyn Bronger
Katelyn Bronger is a Registered Client Services Associate, passionate about helping individuals and families make smart financial decisions. With over eight years of experience in the industry, Katelyn has dedicated her career to educating her clients and the future generation on the importance of understanding their finances.
As an organized and efficient individual, Katelyn is committed to providing her clients with the best possible service. She is dedicated to making investing easy to understand, and her ultimate goal is to make the financial lives of the people she comes into contact with better.
Katelyn is happily married and has two young children, whom she adores. In her free time, she enjoys traveling to Gatlinburg whenever she gets the chance. She is also proficient in American Sign Language, having taken courses in college.
Katelyn attended the University of Louisville, where she earned her Bachelor’s Degree in Political Science. Her passion for finance and helping others led her to pursue a career in the industry, where she has been making a positive impact for the past eight years.
With her extensive knowledge and dedication to her clients, Katelyn is the perfect person to turn to when seeking assistance with your financial journey.
As an organized and efficient individual, Katelyn is committed to providing her clients with the best possible service. She is dedicated to making investing easy to understand, and her ultimate goal is to make the financial lives of the people she comes into contact with better.
Katelyn is happily married and has two young children, whom she adores. In her free time, she enjoys traveling to Gatlinburg whenever she gets the chance. She is also proficient in American Sign Language, having taken courses in college.
Katelyn attended the University of Louisville, where she earned her Bachelor’s Degree in Political Science. Her passion for finance and helping others led her to pursue a career in the industry, where she has been making a positive impact for the past eight years.
With her extensive knowledge and dedication to her clients, Katelyn is the perfect person to turn to when seeking assistance with your financial journey.
About Gary R. Grigg
Securities Agent: CA, MS, LA, NY, KY, IN, AZ, VA, TN, OH, DE, NM, KS, TX, AL, MI, MD, MA, DC, SC, MO, CO, WI, NC, OR, NJ, WA, IL, GA, FL; General Securities Representative; Investment Advisor Representative; Managed Futures
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
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
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
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
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact Gary R. Grigg today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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.
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
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.
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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.
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
