Dana Jordan
Private Banker
Gio Ozkan
Financial Advisor,
Workplace Advisor - Equity Compensation
Direct:
(516) 227-5672(516) 227-5672
My Mission Statement
Customized investment and financial strategies for clients like you
My Story and Services
For Gio, it's all about access.
Growing up in Brooklyn, New York, he watched his immigrant parents work hard for everything they have. They were protective of their finances and understandably so, trusted few people when it related to preserving and growing their wealth.
Who knew any better? It is why Gio got into this business - to provide access and understanding of personal finance, helping create security and stability, so families can live their lives without worry and plan for generations to come.
Gio provides wealth management and retirement planning services for his clients at Morgan Stanley, taking a comprehensive approach to developing and implementing investment, liability and risk management strategies that help clients build, preserve and transfer their wealth.
Gio joined Morgan Stanley Private Bank in 2013 as an analyst and worked his way up to Private Banker in Boston, where he helped solve clients’ lending needs and provided strategic insight to business professionals, real estate owners and high-net-worth individuals. Prior to his career in financial services, Gio had several opportunities to try out for the New York Jets after having been recruited to play football at the University at Buffalo, where he served as a captain of the team and graduated with a degree in finance.
Gio is also on the Board of Directors for a SaaS company based out of Boston, MA. The company is a mobile panic button and communications platform designed to save lives.
A native of Istanbul, Turkey, and currently a resident of New York City, Outside of spending time with his family, Gio is an avid cyclist and enjoys golfing and pickleball.
Growing up in Brooklyn, New York, he watched his immigrant parents work hard for everything they have. They were protective of their finances and understandably so, trusted few people when it related to preserving and growing their wealth.
Who knew any better? It is why Gio got into this business - to provide access and understanding of personal finance, helping create security and stability, so families can live their lives without worry and plan for generations to come.
Gio provides wealth management and retirement planning services for his clients at Morgan Stanley, taking a comprehensive approach to developing and implementing investment, liability and risk management strategies that help clients build, preserve and transfer their wealth.
Gio joined Morgan Stanley Private Bank in 2013 as an analyst and worked his way up to Private Banker in Boston, where he helped solve clients’ lending needs and provided strategic insight to business professionals, real estate owners and high-net-worth individuals. Prior to his career in financial services, Gio had several opportunities to try out for the New York Jets after having been recruited to play football at the University at Buffalo, where he served as a captain of the team and graduated with a degree in finance.
Gio is also on the Board of Directors for a SaaS company based out of Boston, MA. The company is a mobile panic button and communications platform designed to save lives.
A native of Istanbul, Turkey, and currently a resident of New York City, Outside of spending time with his family, Gio is an avid cyclist and enjoys golfing and pickleball.
Services Include
- Alternative InvestmentsFootnote1
- Business Succession PlanningFootnote2
- Cash Management and Lending ProductsFootnote3
- Certificates of DepositFootnote4
- Divorce Financial AnalysisFootnote5
- Endowments and FoundationsFootnote6
- Estate Planning StrategiesFootnote7
- Executive Financial ServicesFootnote8
- Fixed IncomeFootnote9
- Institutional ServicesFootnote10
- LGBT+ Planning ServicesFootnote11
- Planning for Individuals with Special Needs and their Families
- Professional Portfolio ManagementFootnote12
- Stock Option PlansFootnote13
- Retirement PlanningFootnote14
- Sustainable InvestingFootnote15
- SyndicateFootnote16
- Trust AccountsFootnote17
- Wealth ManagementFootnote18
- 401(k) Rollovers
- 529 PlansFootnote19
Securities Agent: OR, UT, WA, WY, WV, WI, VT, VI, VA, TX, TN, SD, SC, RI, PR, PA, OK, OH, NY, NM, NJ, NH, ND, NC, MT, MS, MO, MN, MI, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, CT, CO, CA, ME, AZ, AR, AL, AK, NV, NE; General Securities Representative; Investment Advisor Representative
NMLS#: 1433181
NMLS#: 1433181
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My Process
My work with you starts with one or more in-depth, exploratory meetings. I need to understand your unique financial situation so I can offer you the best possible advice and solutions.
Introductory Meeting (15 - 20 minutes)
• Address your initial questions, needs and concerns
• Overview of who we are, what we do and how we do it so you will know exactly what to expect and whether it makes sense to schedule a follow-up/discovery meeting
• Overview of who we are, what we do and how we do it so you will know exactly what to expect and whether it makes sense to schedule a follow-up/discovery meeting
Discovery Meeting (45 - 60 minutes)
• We want to learn about you and will ask about 7 key areas we consider fundamental to understand your needs and how we can be helpful
• Values – what is important to you and why?
• Goals – what are you trying to accomplish?
• Relationships – who are the most significant people in your life?
• Finances – assets, liabilities, income, expenses and risk tolerance
• Advisors – who are your trusted advisors (CPA, attorney, etc.)?
• Process – how involved do you want to be in managing your finances?
• Interests – what do you enjoy and what motivates you?
• Values – what is important to you and why?
• Goals – what are you trying to accomplish?
• Relationships – who are the most significant people in your life?
• Finances – assets, liabilities, income, expenses and risk tolerance
• Advisors – who are your trusted advisors (CPA, attorney, etc.)?
• Process – how involved do you want to be in managing your finances?
• Interests – what do you enjoy and what motivates you?
Financial Plan and Investment Strategy Review Meeting (60 minutes)
• Review 1-page summary (“Mind Map”) of the 7 key areas discussed in the Discovery Meeting
• Review investment strategy, risk metrics and tax-efficiency
• Discuss strategies to diversify out of concentrated stock positions, if applicable
• Propose strategies to create a sustainable income stream, if needed
• Review investment strategy, risk metrics and tax-efficiency
• Discuss strategies to diversify out of concentrated stock positions, if applicable
• Propose strategies to create a sustainable income stream, if needed
Comprehensive Wealth Planning Meeting (60 minutes)
• Review comprehensive Financial Plan
• What is the current probability of achieving your goals and what actions can be taken to improve the probability of success
• Investment Proposal based on your personal goals and risk tolerance
• Retirement Planning
• Insurance and Risk Management Analysis
• Liability Planning
• Cash Flow Planning
• Tax Mitigation Strategies
• Wealth Transfer / Trust and Estate Planning Considerations
• Education Planning (if applicable)
• Philanthropy Management (if applicable)
• What is the current probability of achieving your goals and what actions can be taken to improve the probability of success
• Investment Proposal based on your personal goals and risk tolerance
• Retirement Planning
• Insurance and Risk Management Analysis
• Liability Planning
• Cash Flow Planning
• Tax Mitigation Strategies
• Wealth Transfer / Trust and Estate Planning Considerations
• Education Planning (if applicable)
• Philanthropy Management (if applicable)
Mutual Commitment Meeting (15 minutes)
• Confirmation of commitment, expectations of each other and review of next steps
Ongoing Standard of Care
• Open communication
• Quarterly monitor sent to secure Morgan Stanley Online in-box updating progress toward goals
• Periodic portfolio reviews
• Due diligence on investments
• Annual review of your comprehensive financial plan
• Ad-hoc meetings and calls, as needed
• Quarterly monitor sent to secure Morgan Stanley Online in-box updating progress toward goals
• Periodic portfolio reviews
• Due diligence on investments
• Annual review of your comprehensive financial plan
• Ad-hoc meetings and calls, as needed
CORPORATE SOLUTIONS WITH MORGAN STANLEY AT WORK
- When launching a new equity plan for employees (e.g. ESPP launch, new equity type issued)
- When going global and expanding their equity plan into new jurisdictions/countries
- If dissatisfied with their current provider/platform
- When there's plan-impacting action happening (e.g. merger/acquisition, going from public to private)
- When looking for additional participant offerings to enhance their current benefits program (e.g. financial wellness, retirement planning)
- Equity Compensation Services
- Equity Award Analysis
- Specialized Solutions
- Education
- Financial Guidance
- Perks
- Recordkeeping and Plan Design
- Portfolio Construction
- Wealth Management Services
- Student Loan Repayment
- College Savings
- Student Loan Refinancing
- Defined Contribution Consulting
- Solutions-Oriented Plans
- Fiduciary Investment Oversight
Equity Solutions for Public Companies
We help corporate clients and prospects get the most from their equity compensation benefits with cutting-edge technology that's customizable and scalable. Whether they're newly public, expanding globally or looking to evolve their equity compensation management offering, we're able to help with their end-to-end equity compensation solutions. Situations when public market clients may be looking for equity compensation management help include:
Executive Services
While business leaders are busy driving change for a company, our Executive Services team provides specialized expertise in equity compensation so they can keep taking the company to new heights. At Morgan Stanley, we can provide a dedicated team provides concierge-level support for executives' equity compensation, from 10b5-1 trading plans to form filing related to Rule 144 transactions, to access to wealth management and tax-optimization strategies, helping them navigate their complex financial needs with greater confidence and certainty. Some of our services include:
Financial Wellness
The more knowledgeable employees are in their finances, the more confident they can be in work and life. That's why we include Financial Wellness with every service we provide. Through a powerful combination of education, digital tools and financial guidance from our professionals, Financial Wellness is designed to address the unique needs of employees and empower their financial journey at every stage, giving employees the confidence to take charge of their finances. These services include:
Deferred Compensation
With Morgan Stanley at Work, we have access to a range of Nonqualified Deferred Compensation plan services and will help guide your company in picking the ones that best fit the needs of your company and employees. We can help review and evaluate available plan designs and informal funding strategies through a needs-based assessment, provide manager selection support and investment-related insights to help informally fund a non-qualified deferred compensation plan, and provide participants with plan education through a Morgan Stanley Financial Advisor.
Saving and Giving
Saving and Giving benefits can make a real difference in employees' lives as they can support the things that matter most to them—like saving for education and repaying student loans. Companies can show that they are committed to employees' priorities with leading-edge solutions that help them chart a path toward financial well-being. These services include:
Retirement Solutions
Retirement Services maintains relationships with service providers to offer an array of product solutions for retirement plans of all sizes. We also have relationships with investment-only providers who offer value-added tools and resources. Some of our services include:
Goals Planning System
Goals Planning System (GPS) is Morgan Stanley's own integrated planning tool. Built on the Firm's intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is "On Track" to achieving their financial goals.
Start Planning Now
Tax Management Services
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential, manage unrealized gains and help keep more of what you earn.
Learn More about Morgan Stanley Total Tax 365
Retirement Planning
Saving for retirement is a lifelong process that relies on defined financial planning strategies. We help guide you through this process each step of the way toward achieving their retirement goals.
Learn More on How to Save Smart for Retirement
Direct Investing
Do you have large unrealized gains, but want to diversify without triggering a large tax bill? Direct Indexing can help you realize losses and mitigate your capital gains tax, while still participating in the market.
Learn More How to Seek More Out of Your Investments
Intelligent Risk Management
There's a chance your portfolio may be at risk, but how you manage that risk is what matters.
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed
Learn More about Morgan Stanley Portfolio Risk PlatformPortfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed
2026 Tax Tables
Taxes can affect your investment returns more than you might realize. Prepare for taxes with the updated 2026 tax tables.
Consult your personal tax advisor for detailed assistance with your tax returns, then contact me for insights into your portfolio and the value that tax-efficient strategies could add to your investment process and financial health.
2026 Tax TablesConsult your personal tax advisor for detailed assistance with your tax returns, then contact me for insights into your portfolio and the value that tax-efficient strategies could add to your investment process and financial health.
On Retirement- Volatility Update
A complete wealth strategy consists of more than investments. Risk management can play a role in achieving your goals as well. A review of your risk management plan can provide you with additional information to help you make informed decisions about your goals.
Addressing Retirement Income in Volatile Markets
Cash Management and Lending Solutions
At Morgan Stanley, we offer unique cash management and lending solutions to complement your investments and help simplify your finances.
Explore the Full Suite of Offerings
Intelligent Withdrawal Tools
Intelligent Withdrawal gives us the ability to look across multiple accounts and products to identify the right combination of securities and tax lots to sell so you can help meet spending needs while making the most out of your hard-earned money.
Learn How we can help you with Tax—Smart Strategies for Selling Securities
How Will You Pay Your Tax Bill
There are a variety of options to paying your tax bill. Learn some of the pros and cons for each.
Common Approaches to Managing the Payment
Education Planning
Education is a major investment and expense that often requires years of careful, advanced planning. help you approach a variety of educational expenses, such as tuition, extension programs and advanced professional training, with appropriate funding strategies for each unique situation.
Learn More on How to Invest for the Future
Buying a Home? How Cash Offers Can Give You an Edge
In hot housing markets, cash can help you get what you want. There are strategies that can help you make an all-cash offer.
Strategies to Raise Funds for an All-Cash Offer
Planning to Fund Long- Term Care Expenses
Health care costs are rising — especially for retirees, and some may need long-term care. Learn the moves you can make to help prepare yourself.
Learn More on How to Protect Your Retirement Savings
Ways to Help with a Home Purchase
High home prices and mortgage rates are putting the dream of homeownership out of reach for many would-be buyers. Learn how you can help a loved one break into a tough market.
Learn how to help Fist Time Home Buyer Buy a HomeDonor Advised Fund
With MS GIFT, your charitable giving becomes streamlined, strategic, and deeply personal. Whether you're making a single grant or managing a multi-year giving plan, the MS GIFT platform makes it easy—with intuitive tools, seamless advisor collaboration, and thoughtful support every step of the way.
Learn More How to Simplify your philanthropy and maximize your impact.
Preferred Savings Program
Once you open a Morgan Stanley Brokerage Account, you can make the most of your idle cash with our competitive Preferred Savings Program.
Help Keep Your Cash Working for You
Morgan Stanley Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes, and generate income. From simplified vehicles available more broadly to institutional strategies, the platform supports a goals-based approach for asset allocation tailored to investor needs.
Learn More about the Innovative Strategies for Your Portfolio
Preferred Certificates of Deposit (CDs)
When you are looking to grow your wealth, CDs may be used as a reliable and low-risk part of your overall investment strategy. You can lock in a fixed interest rate, generating a predictable return over a set period of time.
Lock in a Competitive Rate
Signature Savings Account
Put your reserved cash to work with the new Signature Savings Account from Morgan Stanley Private Bank, National Association, Member FDIC. You must be a Morgan Stanley client to open an account.
No minimum deposit to get started. No account or maintenance fees. FDIC protection up to $500,000.
No minimum deposit to get started. No account or maintenance fees. FDIC protection up to $500,000.
Your account, your way. simplify & streamline your finances in one place.
Log in to Morgan Stanley Online and manage all your investments and everyday finances securely with us. Because you Manage your investments with Morgan Stanley, you now have a better way of managing your cash needs with a CashPlus Brokerage Account.
eSignature
No forms, no faxes. A fast and secure way to sign documents on your computer or mobile device. Ask me about eSign.
Digital Vault
Easy document sharing. Convenient access. Enhanced security. Seamless collaborate with Morgan Stanley. Digital Vault lets you easily and securely manage and store life's most important documents such as financial statements, tax filings and other relevant files.
eAuthorizations
No forms, no faxes. eAuthorizations allows you to approve transactions electronically and securely with one click. Ask me how.
Total Wealth View
Total Wealth View allows you to add your non Morgan Stanley accounts into one place. This allows a clearer more holistic view of your entire financial picture and is a great up to date snap shot of your total net worth.
Financial Management Tools
View a Snapshot of your Finances. Use our financial management tools to analyze your cash flow, discover trends and save smarter.
Reserved Living & Giving
Save on travel, dining, holiday gifts and access to exclusive offers. Reserved Living & Giving is a tiered complimentary loyalty program for eligible Morgan Stanley clients designed to deliver additional value beyond wealth management.
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery to securely save, print, send, and receive documents at any time.
CashPlus: A Modern Alternative to Banking
With a CashPlus brokerage account, you can manage your cash and get more value with no cash management fees, unlimited ATM Fee rebates, comprehensive protection, and a seamless digital experience. Contact me to discuss or click here. Terms apply.
CashPlus: Exclusive $895 Annual Engagement Bonus
Check out Morgan Stanley's American Express Credit Card for elevated benefits and enjoy exclusive benefits for Morgan Stanley members only.
CashPlus: Make Your Switch in Three Simple Steps
It's Easy to switch to a Modern Alternative to Banking with CashPlus Brokerage Account. Follow these steps to get started.
CashPlus: Identity and Credit Protection from Experian
Open a CashPlus brokerage account, then enroll and enjoy a complimentary Identity and Credit Protection provided by Experian. Learn more about the solutions offered to help you protect your identity and credit.
Money Movement Instructions
Our Step by Step guide lays out the foundation and walks you through the process of transferring money from Morgan Stanley to another bank or vice versa.
Deposit Checks
Save time and money on trips to the branch or mailing checks. Follow the below steps and deposit checks drawn on a U.S. bank anytime, anywhere from your mobile device.
Online Bill Pay
Morgan Stanley payments provides simplicity and allows you to add payees, make one- time and recurring payments.
Morgan Stanley Digital Tools
As our dependence on technology continues to increase staying safe and secure online has never been more important. Learn how utilizing Morgan Stanley's Digital Tools such as eAuthorization, eDelivery, eSign and Digital Vault can help improve your security.
Online Security Center
MS Invests a significant amount of time and capital on developing cutting edge and fully integrated technology that help safeguard your assets and personal information. The benefit to you is that you can rest easy knowing that your information is secure. Additional tips and best practices on protecting your assets can be found in our Online Security Center.
Multi-Factor Authentication
As our dependence on technology continues to increase, staying safe and secure online has never been more important. leveraging more than one authentication factor to confirm your identity.
Social Media Safety for Kids
The internet can be a risky playground for kids and teens. It's important to educate our children about how to engage with others online and explain what content is ok to share.
Protecting Your Social Security Number (SSN)
How to help protect your Social Security Number from theft.
Password Security
Your passwords are the keys to your digital life. Learn how to create and store strong passwords to help safeguard your accounts and information.
Password Managers
A strong password is your first line of defense. Learn how password managers can be a critical step in protecting your sensitive information.
Top 5 Cyber Tips
Many of us are moving everyday activities online—from school to socializing with friends and even medical appointments. You can help protect yourself and your personal information by applying some simple cyber best practices.
Location
1200 Franklin Avenue 2nd
Fl
Garden City, NY 11530
US
Direct:
(516) 227-5672(516) 227-5672
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Andrew Bertalli, CFP®
Financial Planning Director, Vice President
Angelo Loumbas
Family Office Resource Generalist
About Dana Jordan
Dana Jordan is a Private Banker serving Morgan Stanley Wealth Management offices in New York.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Dana began her career in financial services in 2017 when she joined Morgan Stanley as a Lending Analyst in Private Banking Operations. She most recently returned to the firm in 2022. Prior to joining the firm, she was a Mortgage Professional at JP Morgan Private Bank.
Dana is a graduate of Loyola University Maryland, where she received a Bachelor of Business Administration in Finance She lives in Long Island, New York. Outside of the office, Dana donates her time to the American Legion Auxiliary Unit 1006. She is a Senior Gold Medalist and USFSA (U.S. Figure Skating Association) member, and enjoys partaking in CrossFit.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Dana began her career in financial services in 2017 when she joined Morgan Stanley as a Lending Analyst in Private Banking Operations. She most recently returned to the firm in 2022. Prior to joining the firm, she was a Mortgage Professional at JP Morgan Private Bank.
Dana is a graduate of Loyola University Maryland, where she received a Bachelor of Business Administration in Finance She lives in Long Island, New York. Outside of the office, Dana donates her time to the American Legion Auxiliary Unit 1006. She is a Senior Gold Medalist and USFSA (U.S. Figure Skating Association) member, and enjoys partaking in CrossFit.
NMLS#: 1974422
About Andrew Bertalli
Andrew Bertalli is a vice president and financial planning director, serving Morgan Stanley Wealth Management offices in eastern Long Island, NY. He is responsible for helping financial advisors with their clients' and prospects' financial planning needs.
Andrew began his career in financial services in 2000 and joined Morgan Stanley in 2022. Prior to his current position, Andrew served high-net-worth clients for over 17 years. Andrew also has worked at Charles Schwab, USAA, and TIAA.
Andrew graduated from Saint Francis College and has a BS in business. Andrew holds his CERTIFIED FINANCIAL PLANNER™ designation. Andrew lives on Long Island with his wife and children. Outside of work, Andrew likes to keep fit and spend time with his family. Andrew holds a private pilot license and served in the US Navy.
Andrew began his career in financial services in 2000 and joined Morgan Stanley in 2022. Prior to his current position, Andrew served high-net-worth clients for over 17 years. Andrew also has worked at Charles Schwab, USAA, and TIAA.
Andrew graduated from Saint Francis College and has a BS in business. Andrew holds his CERTIFIED FINANCIAL PLANNER™ designation. Andrew lives on Long Island with his wife and children. Outside of work, Andrew likes to keep fit and spend time with his family. Andrew holds a private pilot license and served in the US Navy.
About Angelo Loumbas
Angelo is the Family Office Resources Generalist in the Northeast Region. Angelo provides in depth knowledge to ultra-high net worth (UHNW) clients and Financial Advisors across a broad range of family wealth and family office management matters. His area of focus includes family governance, wealth education,, strategic estate and financial planning, philanthropy management, lifestyle advisory, and customized asset allocation and portfolio construction. Angelo has over 25 years’ experience advising wealthy families, business owners, and philanthropic organizations.
Originally from Chicago and now residing in Westchester County, New York, , Angelo practiced law for 15 years and represented UHNW clients, closely held businesses, and major philanthropic organizations. He is admitted to the Society of Trust and Estate Practitioners and has been asked to speak over the years before tax, trust and estate committees of estate planning councils and other organizations. Angelo has also contributed thought leadership through Morgan Stanley’s Family Legacy and Governance Institute leadership series and authored an article for Barrons.com, “Should I Invest in My Kid’s Start-Up? Financial Advisors Can Help Clients Decide” (2023).
Angelo has been advising UHNW clients in the financial services industry for over 17 years, with 13 of those years at Morgan Stanley in Chicago and New York. He earned his J.D. from Indiana University at Bloomington, his M.B.A. from the University of Notre Dame, and B.A. from DePaul University. He also holds his Series 7, 66 and 24 licenses. In addition, Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club (2009-2010).
Originally from Chicago and now residing in Westchester County, New York, , Angelo practiced law for 15 years and represented UHNW clients, closely held businesses, and major philanthropic organizations. He is admitted to the Society of Trust and Estate Practitioners and has been asked to speak over the years before tax, trust and estate committees of estate planning councils and other organizations. Angelo has also contributed thought leadership through Morgan Stanley’s Family Legacy and Governance Institute leadership series and authored an article for Barrons.com, “Should I Invest in My Kid’s Start-Up? Financial Advisors Can Help Clients Decide” (2023).
Angelo has been advising UHNW clients in the financial services industry for over 17 years, with 13 of those years at Morgan Stanley in Chicago and New York. He earned his J.D. from Indiana University at Bloomington, his M.B.A. from the University of Notre Dame, and B.A. from DePaul University. He also holds his Series 7, 66 and 24 licenses. In addition, Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club (2009-2010).
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Gio Ozkan today.
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.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan 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
4Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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, charitable giving, philanthropic planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
11Morgan 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.
12Morgan 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.
13Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
14When 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.
15Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
16Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
17Morgan 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.
18Morgan 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.
19Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan 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
4Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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, charitable giving, philanthropic planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
11Morgan 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.
12Morgan 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.
13Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
14When 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.
15Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
16Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
17Morgan 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.
18Morgan 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.
19Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
