Steven Gold
Managing Director, Private Wealth Advisor, Senior Portfolio Manager
Phone:
(305) 507-6967(305) 507-6967
Morgan Stanley Private Wealth Management
Gold Wealth Management
Direct:
(305) 507-6967(305) 507-6967
Our Mission Statement
Our mission is to simplify complexity and deliver clear, personalized financial guidance that helps empower clients to make confident decisions and achieve their long-term goals.
WELCOME
We built this team around a simple idea: financial advice should feel personal, thoughtful, and built around you – not a one-size-fits-all solution.
From the beginning, our focus has been on building meaningful, long-term relationships. We believe the best possible outcomes come from truly understanding our clients – their goals, their families, their businesses, and the moments that matter most along the way. That understanding allows us to provide advice that is not only strategic, but relevant and timely.
As our clients’ lives have grown more complex, so has our approach. We’ve intentionally built a team that combines experience, perspective, and access to a broad range of resources – so we can simplify that complexity and deliver clear, actionable guidance. Whether it’s navigating a major life transition, growing a business, or planning for the next generation, we aim to be a steady resource though every stage.
At our core, we see ourselves as more than advisors – we act as a central point of coordination for our clients’’ financial lives. By bringing together investment strategy, planning, and ongoing advice, we help create a more cohesive and efficient experience.
Our goal is simple: to provide clarity in complex situations, confidence in important decisions, and a long-term relationship you can rely on.
From the beginning, our focus has been on building meaningful, long-term relationships. We believe the best possible outcomes come from truly understanding our clients – their goals, their families, their businesses, and the moments that matter most along the way. That understanding allows us to provide advice that is not only strategic, but relevant and timely.
As our clients’ lives have grown more complex, so has our approach. We’ve intentionally built a team that combines experience, perspective, and access to a broad range of resources – so we can simplify that complexity and deliver clear, actionable guidance. Whether it’s navigating a major life transition, growing a business, or planning for the next generation, we aim to be a steady resource though every stage.
At our core, we see ourselves as more than advisors – we act as a central point of coordination for our clients’’ financial lives. By bringing together investment strategy, planning, and ongoing advice, we help create a more cohesive and efficient experience.
Our goal is simple: to provide clarity in complex situations, confidence in important decisions, and a long-term relationship you can rely on.
Capabilities
- 10b5-(1) Programs
- Alternative InvestmentsFootnote1
- Asset AllocationFootnote2
- Business Succession PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Family Governance & Wealth Education
- Insurance SolutionsFootnote5
- Investment Management
- Hedging Strategies
- Philanthropy Management
- Pre-Liquidity Planning
- Private Investments
- Securities Based LendingFootnote6
- Single Family Office Services
- Tax, Trust & Estate AdvisoryFootnote7
- Cash Management & LendingFootnote8
- Corporate Retirement PlansFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
About PWM
Founded in 1977, Private Wealth Management is the division of Morgan Stanley Wealth Management that is dedicated to serving the firm’s most affluent clients, including some of the world’s most accomplished entrepreneurs, executives and stewards of multigenerational wealth. Functioning as an exclusive investment boutique within a global financial firm, we deliver sophisticated solutions that leverage the intellectual capital and insight of Morgan Stanley’s substantial global resources. Drawing on a deep understanding of your financial life, our goal is to help you:
- Manage investments with an unwavering focus on your financial strategy and personal goals
- Create comprehensive, multigenerational wealth management plans based on your needs, challenges and the values that guide your life and legacy
- Simplify financial complexity to help you achieve clarity and control
Private Wealth Management Highlights
- Approximately 300 teams specialized in assisting individuals and families with $20MM+ in investable assets
- Over $1.2 trillion in AUM
- Comprising 26% of the Barron’s Top 100 Financial Advisors list for 2025
- Direct access to ultra high net worth experts in philanthropy, family dynamics, wealth transfer, lifestyle advisory and other areas of interest to ultra high net worth families
1 Morgan Stanley Wealth Management, September 2025
Source: Barron's (Awarded March 2025) This ranking was determined based on an evaluation process conducted by Barron's for the period Oct 2023-Sept 2024. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on an algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the assessment of Barron's and may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
OUR SUITE OF DIGITAL TOOLS
Today's digital tools are changing the way we organize, monitor, and manage our financial lives. My digital capabilities are designed to make your experience simpler, more secure, and more connected. Below are several Morgan Stanley resources that can help you stay informed, organized, and in control.
Morgan Stanley Online
Conveniently manage your investments and everyday finances in one secure place through Morgan Stanley Online.
Total Wealth View
Link your Morgan Stanley and outside accounts to create a more complete view of you financial picture. This can help support better planning, more personalized advice, and a clearer understanding of your overall wealth.
Portfolio Risk Platform
Using advanced analytics, the Portfolio Risk Platform helps evaluate portfolio exposures, identify key risk factors, and provide insights into holdings and potential performance outcomes.
Digital Vault
Securely store and share important documents, including statements, tax records, and authorization forms, with your Financial Advisor through Digital Vault's encrypted platform.
INVESTOR RESOURCES
Our goal is to break down complex financial topics into clear, actionable insights so you can make confident, informed decisions. The resources below offer timely market perspectives and expert analysis to help you better understand current trends and uncover future opportunities.
GIC Weekly Report
Each week, Lisa Shalett and the Global Investment Committee provide a detailed overview of market activity, asset class performance, and the key themes influencing global markets.
On the Markets Report
Gain insights from Morgan Stanley's thought leaders on equities, fixed income, monetary policy, and more – helping you stay informed and prepared for what's ahead.
Thoughts on the Market Podcast
Hear from Mike Wilson and other Morgan Stanley strategists as they break down current market conditions and share practical perspectives on today's evolving financial landscape.
2026 Tax Tables
Stay up to date on changing tax policies and how they may affect your financial plan. The 2026 Tax Tables provide key insights to help you plan more effectively and remain aligned with your goals.
Location
200 South Biscayne Blvd. Suite 1400
Miami, FL 33131
US
Direct:
(305) 507-6967(305) 507-6967
Meet Gold Wealth Management
Thomas Duggan, CEPA®
First Vice President, Investment Consultant
Phone:
(305) 507-6968(305) 507-6968
Danisbel Conesa
Vice President, PWM Chief of Staff
Phone:
(305) 507-6969(305) 507-6969
Kierstyn Abreu
PWM Wealth Management Associate
Phone:
(305) 507-6970(305) 507-6970
About Me
With more than two decades of experience guiding affluent individuals, families and business owners, Steve Gold strives to help clients make informed decisions that align with their values and long-term vision. Steve’s relationship-driven approach begins with listening—seeking to understand each client’s goals for family, lifestyle, legacy and philanthropy—before developing disciplined strategies that integrate investment management with retirement, tax-efficient investing, estate-planning strategies and risk considerations.
Steve launched his career at Morgan Stanley in 2000, spent 21 years at UBS, and returned to Morgan Stanley as a Managing Director in Private Wealth Management. Recognized as a Senior Portfolio Manager, he also holds the Certified Private Wealth Advisor® (CPWA) and Certified Exit Planning Advisor (CEPA®) designations, underscoring his commitment to thoughtful planning for complex wealth events.
Active in the community, Steve is the Immediate Past President of the Zeta Beta Tau Foundation Board, serves on the University of Miami President’s Council, and is Vice Chair of the Greater Miami Jewish Federation’s South Dade Board. He and his wife, Avi, live in Pinecrest, Florida, with their two children and French bulldog, Cookie.
Steve launched his career at Morgan Stanley in 2000, spent 21 years at UBS, and returned to Morgan Stanley as a Managing Director in Private Wealth Management. Recognized as a Senior Portfolio Manager, he also holds the Certified Private Wealth Advisor® (CPWA) and Certified Exit Planning Advisor (CEPA®) designations, underscoring his commitment to thoughtful planning for complex wealth events.
Active in the community, Steve is the Immediate Past President of the Zeta Beta Tau Foundation Board, serves on the University of Miami President’s Council, and is Vice Chair of the Greater Miami Jewish Federation’s South Dade Board. He and his wife, Avi, live in Pinecrest, Florida, with their two children and French bulldog, Cookie.
Securities Agent: NJ, FL, PA, IL, NC, MN, MI, IN, GA, WV, VT, MD, CO, CA, AZ, WI, WA, UT, TX, OH, ID, MA, IA, PR, NY, CT, AK, VA, NV; General Securities Representative; Investment Advisor Representative
About Thomas Duggan
Tom has over 30 years of Fixed Income, Trading, Investment management, and Wealth Management experience. He develops personalized wealth strategies, creates asset allocation models, and reviews portfolio holdings for individual clients. He was a former member of the Chicago Board of Trade; concentrating on Fixed Income Options and yield curve trading. Tom is a CEPA® and works with business owners and C-suite executives to helps clients do advanced planning for liquidity events/business sales. He holds a Bachelor of Science in Economics from the University of Illinois at Chicago.
About Danisbel Conesa
Danisbel joined our team in 2015 is our team PWM Chief of Staff. In her role, she is responsible for the teams daily administrative support and working to meet the ongoing needs of our clients, helping ensure they receive the highest level of service and overseeing the client service professionals on our team. She has a Bachelor in Supervision & Management from Miami Dade College. Danisbel lives in Miami, FL with her husband Phillip and her son Grayson.
About Kierstyn Abreu
Kierstyn Abreu is a PWM Wealth Management Associate dedicated to delivering the best possible experience for every client. She assists with daily client requests, helping ensure each interaction is handled with care and professionalism. Kierstyn manages the process for our clients experience with insurance solutions, education/financial planning, mortgages, lending, and estate planning strategies. She began her journey with the team as an intern in 2023, transitioned to a full time associate, and is now a registered Wealth Management Associate. She holds a bachelor's degree in finance at Florida International University.
Contact Steven Gold
Wealth Management
Global Investment Office
Portfolio Insights
Managing Significant Wealth
- Investment Management
- Wealth Transfer & Philanthropy
- Cash Management & Lending
- Family Governance & Wealth Education
- Lifestyle Advisory
- Business Services
Insights and Outcomes
Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
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.
2Asset Allocation does not assure a profit or protect against loss in declining financial markets.
3Morgan 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Borrowing against securities may not be appropriate for everyone. You should be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures below.
Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Important Risk Information for Securities Based Lending: You need to understand that: (1) Sufficient collateral must be maintained to support your loan(s) and to take future advances; (2) You may have to deposit additional cash or eligible securities on short notice; (3) Some or all of your securities may be sold without prior notice in order to maintain account equity at required maintenance levels. You will not be entitled to choose the securities that will be sold. These actions may interrupt your long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as “Morgan Stanley”) reserves the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase your collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason.
With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan.
7Morgan Stanley Smith Barney LLC and its affiliates and their employees (including Financial Advisors and Private Wealth Advisors) are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.
8Morgan 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
9When 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.
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.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
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.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
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
Awards Disclosures | Morgan Stanley
2Asset Allocation does not assure a profit or protect against loss in declining financial markets.
3Morgan 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Borrowing against securities may not be appropriate for everyone. You should be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures below.
Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Important Risk Information for Securities Based Lending: You need to understand that: (1) Sufficient collateral must be maintained to support your loan(s) and to take future advances; (2) You may have to deposit additional cash or eligible securities on short notice; (3) Some or all of your securities may be sold without prior notice in order to maintain account equity at required maintenance levels. You will not be entitled to choose the securities that will be sold. These actions may interrupt your long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as “Morgan Stanley”) reserves the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase your collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason.
With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan.
7Morgan Stanley Smith Barney LLC and its affiliates and their employees (including Financial Advisors and Private Wealth Advisors) are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.
8Morgan 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
9When 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.
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.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
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.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
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
Awards Disclosures | Morgan Stanley
CRC 4677197 (7/2025)
