Managing Director, Wealth Management, Financial Advisor, Global Sports and Entertainment Director, Senior Portfolio Manager, NFLPA Registered Institutional Player Financial Advisor
Phone:
(410) 583-4840(410) 583-4840
Orchard Wealth Management at Morgan Stanley
Our Mission Statement
Helping business owners, seasoned corporate executives, multi-generational families, professional athletes, and successful young professionals make better decisions about their cash flow, grow their business, and manage their personal wealth.
OUR STORY AND SERVICES
At Orchard Wealth Management, we look to build a relationship with you for decades and generations to come. Our aim is help you make better decisions about your cash flow, grow your business and manage your personal wealth. Our mission is to help preserve, deploy and diversify your wealth in a manner that seeks to ensure your lifestyle and legacy objectives are met now and well into the future.
As your wealth management team, you can expect:
Experience+Engagement: Our Financial Advisors draw upon years of experience to help you navigate the unique opportunities and challenges your wealth presents. Whether you're contemplating retirement, selling a business, executing stock options or pursuing a philanthropic passion, our credentials have you covered.
Our team's credentials include: 3 Managing Directors, 5 CFP® Professionals, 2 Family Wealth Directors, 3 Senior Portfolio Management Director, a Portfolio Management Director, a Certified Investment Management Analysist®, an Alternative Investments Director, a Global Sports and Entertainment Director and NFLPA Registered Institutional Player Financial Advisor, and 5 dedicated Client Service Associates.
Transparency+Mindfulness: Our goal is to provide you with timely and responsive communication that gives you the information you need to make better, more proactive decisions.
Commitment+Advocacy: We take the responsibility you place in us seriously. This is why we approach our relationship with the level of acumen, compassion and coordination that we feel you truly deserve.
Our Services:
We are a multidisciplinary team of dedicated professionals versed in investments, planning and a wholistic wealth management approach. We work beyond traditional asset management to execute a wealth strategy that helps clients to maintain optimal financial health while focusing energy on their key life priorities.
Services include:
- Highly dedicated financial advisors who focus on identifying potential financial solutions for prospective, current and former professional athletes and entertainers.
- Estate planning strategies that aim to transfer wealth in a tax-efficient manner
- Philanthropy advisory sessions that articulate and bring to life charitable goals
- Strategic cash management and lending solutions
- Exit and succession planning strategies that seek to optimize value and manage taxes
- Concierge-level administrative support 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. 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. 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 ANNOUNCEMENT:
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
In The Press
Forbes: Best-In-State Wealth Management Teams (2023 - 2025)
We are excited to share that The Orchard Wealth Management Group at Morgan Stanley has been named on the inaugural Forbes Best-In-State Wealth Management Teams list! It is an honor to be recognized by Forbes/SHOOK Research in representing this distinct group of experienced wealth managers with a proven track record of success.
2023, 2024, 2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
Read More2023, 2024, 2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
Mason Champion Named 2025 Pride of the Lions Award
Mason Champion was awarded with the "2025 Pride of the Lions" award that recognizes outstanding Penn State PGM alumna/us who demonstrated excellence in the golf industry over the past five years. Mason teaches at the annual "Fairway$ & Green$: Personal Finance" class at Penn State, which is a two-day event at Baltimore County Club where they discuss the implications of future career and financial choices with students. Mason attended Penn State University and he sincerely enjoys opportunity to continuously be involved with his alma mater.
Build a Dream Team for Your Career
Assembling a team of professionals to manage your career—and your money—is essential to help put you in the best position to thrive. Here’s how to do it.
Read More
The Surprising Connection Between Golf and Investing
Did you know that the tried-and-true habits of top golfers can also be applied to how you invest?
Read More
How Thinking Like a Golfer Can Help You Ride Out Market Mayhem
Getting through dramatic market swings like this one takes a few different skills, these skills are almost precisely the conditions that golfers deal with, says Mason Champion, senior VP and sports and entertainment director at Morgan Stanley.
Read More
John Magiros Named Forbes Top Next-Gen Advisors 2020
John is among the country’s top next-gen advisors represent the future of the wealth management industry.
Forbes Top Next-Gen Wealth Advisors (2020)
Source: Forbes.com (Awarded Jul 2020) Data compiled by SHOOK Research LLC based on time period from 3/31/19 - 3/31/20.
Read MoreForbes Top Next-Gen Wealth Advisors (2020)
Source: Forbes.com (Awarded Jul 2020) Data compiled by SHOOK Research LLC based on time period from 3/31/19 - 3/31/20.
Coats & Cuts Charity Event
Mason Champion had the opportunity to support Baltimore Ravens Cornerback, Arthur Maulet, and his foundation at their annual Coats & Cuts charity event. Coats & Cuts provides meals and winter clothing to those in need across the Baltimore area. Mason has participated in this event for the past two years, and this year, they were able to provide over 100 people with winter essentials, warm meals, and haircuts. Arthur Maulet is an inspiration on and off the field, and a tremendous supporter of the Baltimore Community. A special thanks to Sandra Richards, Head of Global Sports and Entertainment at Morgan Stanley for her continued support of this initiative. We are so proud of our Morgan Stanley colleagues for partnering with Arthur and with Paul’s Place in order to make a difference! #coatsandcuts #NFL #MorganStanley
Disclaimer: The link contains links to third party websites that are not affiliated with Morgan Stanley. These links are provided only as a convenience. The inclusion of any link is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by Morgan Stanley of any information contained in any third party website.
Disclaimer: The link contains links to third party websites that are not affiliated with Morgan Stanley. These links are provided only as a convenience. The inclusion of any link is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by Morgan Stanley of any information contained in any third party website.
Strategic Partners
Orchard Wealth Management is proud to work in conjunction with the following Strategic Partners:
Joe Romano
Orchard Wealth Management partners with Joseph Romano to create comprehensive strategies in the areas of estate, tax, legal and family governance for our clients. Utilizing a multi-disciplinary approach, he is able to bring Morgan Stanley’s wide range of specialists to focus on identifying potential solutions affecting the ultra-high net worth client space. Through the use of both internal and external resources, Joseph works with client’s accountants and attorneys to develop deep intergenerational strategies. Joseph brings the firm’s intellectual capital to our clients through sophisticated trust modeling, tax analysis, legal review and investment analysis. Joseph also teaches and grades advisors who enroll in the Morgan Stanley Family Wealth Director program and works closely with Morgan Stanley Gift. He is a frequent lecturer for the firm and actively speaks on topics ranging from tax strategy, diversity and governance.
Andrew Lask
Orchard Wealth Management partners with Andrew Lask to provide service and client care to our Sports and Entertainments clients, working in LPGA, PGA of America, and NFL.
To learn more about Andrew, click hereScott Quinto
Orchard Wealth Management partners with Scott Quinto to provide extended service, elite level client care and planning to our clients. Scott is dedicated to working with our high net worth individuals, family offices, endowments and foundations. In addition, Scott holds the Morgan Stanley Middle Markets Group designation which allows him to provide research and offer the firm’s resources to institutional accounts.
Manage Your Wealth & Stay Updated
2025 Tax Table
This helpful resource outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Access the 2025 federal tax tables
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Morgan Stanley Online
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Total Wealth View
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Online Security Center
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your goals.
Goals Based Planning
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC Weekly Report
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
On The Markets Report
Morgan Stanley's "What's Next?" Podcast
Bringing you revealing stories about the world of business, finance, technology, and beyond
Latest Episode
Lessons In Leadership
A Morgan Stanley speaker series by invitation-only, giving you the chance to sit in on conversations with artists, politicians, economists, and athletes.
Stay tuned to receive additional updates on this truly unique opportunity.
Stay tuned to receive additional updates on this truly unique opportunity.
Keeping The Equality Conversation Going
Please see the additional links below on helpful resources, discussions, and articles. Conversations from DCP Entertainment Podcasts like Touré Show (Stories from successful black professionals) (business, entertainment, politics, athletics, and activists)
Learn More
Thoughts On The Market Podcast
Market commentary on a daily basis, covering various topics surrounding the current financial landscape. Available subscription through Apple & Spotify, please take a moment to listen here!
Latest Episode
Global Sports & Entertainment
Our GSE Directors are leading professionals in our industry, each passionately dedicated to serving the unique needs of our valued GSE clients. Together, we forge an unshakable bond that sets Morgan Stanley GSE apart as an industry standout.
Learn MorePersonalized Client Experience
At Morgan Stanley, we have witnessed the power of education and trusted guidance to transform a woman's relationship with money. There's no doubt about it - women face a unique set of financial challenges. That is why we are committed to empowering women with the knowledge and tools needed to achieve your goals: whether you're buying a home, starting a family, navigating a divorce, caring for a loved one, or giving back to a cause you care about.
Wealth Accumulation -
During this phase individuals are primarily focused on acquiring the assets they are likely to need to help meet their long term financial goals while balancing their short-term financial needs.
Wealth Planning / Wealth Preservation -
As individuals move further into their financial journey, the focus may gradually shift from asset growth to thinking about how they are protecting their families and their portfolios from unexpected adversity or market volatility and how they can continue to do so in the future.
Wealth Utilization -
At some point, most individuals will need to draw on their accumulated resources to fund specific needs, such as college tuition costs or retirement expenses.
Wealth Transfer -
Many affluent individuals hope to leave a sizable legacy for their children, their grandchildren, and/or their communities.
Women & Wealth Defined -
Please see our additional Morgan Stanley resources by clicking the link below. Reach out to our team with any questions you may have!
Read More
Contact Us
Our team is made up of dedicated professionals that specialize in specific areas of the business. Please do not hesitate to reach out to us with any questions you may have when it comes to women & wealth planning. See details below:
Beverly Britten Moore
Senior Vice President, Wealth Advisor
Beverly.moore@morganstanley.com
+1 410-494-8297
Susan Scarborough
Vice President, Financial Advisor
Susan.Pm.Scarborough@morganstanley.com
+1 410 494-8350
Beverly Britten Moore
Senior Vice President, Wealth Advisor
Beverly.moore@morganstanley.com
+1 410-494-8297
Susan Scarborough
Vice President, Financial Advisor
Susan.Pm.Scarborough@morganstanley.com
+1 410 494-8350
Location
2330 W Joppa Road
Ste 255
Lutherville, MD 21093
US
Direct:
(410) 494-8295(410) 494-8295
Toll-Free:
(800) 662-2576(800) 662-2576
3801 PGA Boulevard
Suite 700
Palm Beach Gardens, FL 33410
US
Direct:
(561) 694-7031(561) 694-7031
Meet Orchard Wealth Management
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(410) 494-1860(410) 494-1860
Managing Director, Wealth Management, Financial Advisor, Family Wealth Director, Alternative Investments Director
Phone:
(410) 494-1875(410) 494-1875
Vice President, Financial Advisor, Financial Planning Specialist, Workplace Advisor – Equity Compensation, First Vice President
Phone:
(410) 583-4847(410) 583-4847
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(561) 694-7031(561) 694-7031
Phone:
(410) 583-4848(410) 583-4848
First Vice President, Wealth Management, Financial Advisor, Global Sports and Entertainment Director, Senior Portfolio Manager, Alternative Investments Director
Phone:
(212) 401-0545(212) 401-0545
David Noble
Vice President, Financial Advisor, Portfolio Manager
Phone:
(561) 776-6470(561) 776-6470
Phone:
(410) 583-4859(410) 583-4859
Tim Marino
Vice President, Wealth Management, Financial Advisor
Phone:
(561) 776-6438(561) 776-6438
Timothy Kidd
Financial Advisor, Portfolio Manager
Phone:
(561) 694-7015(561) 694-7015
Phone:
(410) 494-1874(410) 494-1874
Brooke M. Coligan
Financial Advisor, Financial Planning Specialist
Phone:
(410) 583-4846(410) 583-4846
Lori Benson
Senior Client Service Associate
Phone:
(410) 494-8292(410) 494-8292
Annakate Cross
Wealth Management Associate, Financial Planning Associate
Phone:
(410) 494-8378(410) 494-8378
Jillian Magiros
Group Director
Phone:
(410) 494-8295(410) 494-8295
Fred Davis
Registered Client Service Associate
Phone:
(410) 583-4856(410) 583-4856
Carrie Frost
Client Service Associate
Phone:
(410) 494-8355(410) 494-8355
Mary Dispaldo
Registered Client Service Associate
Phone:
(410) 494-8099(410) 494-8099
Ben Mohan
Registered Client Service Associate
Phone:
(410) 602-6408(410) 602-6408
About Mason Champion
When most people think of a Managing Director, Financial Advisor at a wealth management firm, they don’t typically picture someone who works closely with NFL, MLB, and PGA athletes or artists in the world of hip hop. Yet Mason Champion has built a career at the intersection of disciplined financial strategy and individuals with high-performance lives.
He oversees a practice serving more than a thousand families worldwide, guiding clients through complex tax considerations, multigenerational wealth planning, and philanthropic strategy. His mission is simple but ambitious: to help clients make informed decisions that can create lasting impact for their families and for the causes they care about most.
While many advisory teams focus primarily on markets and returns, Mason begins somewhere deeper. Every relationship starts with understanding a client’s values, priorities, and long-term vision. From there, he designs highly customized financial plans grounded in disciplined investment management. Clients are drawn to his steady perspective, thoughtful counsel, and ability to navigate both opportunity and risk with clarity and composure.
Mason’s appreciation for wealth is shaped by personal experience. Raised in a hardworking family, he learned early the value of discipline, integrity, and perseverance. Those principles guided him through college and into a career that began humbly running errands and supporting senior advisors at Credit Suisse First Boston. Through hard work and determination, he rose to help build and grow a multibillion-dollar advisory practice. Having experienced both financial constraint and financial abundance, Mason brings empathy and perspective to every client conversation.
Mason is deeply committed to education, mentorship, and expanding financial literacy—particularly within collegiate athletic programs and underserved communities.
A former PGA Head Golf Coach at The Boys’ Latin School of Maryland, Mason continues to blend his passion for sports with leadership and mentorship. He has been active in numerous professional and community organizations, including serving on advisory boards and committees within the NFLPA and Morgan Stanley, as well as the Baltimore Country Club Board of Governors.
Mason lives in Hunt Valley, Maryland, with his family. Outside of work, he remains passionate about coaching, teaching, and helping others build meaningful, enduring legacies.
He oversees a practice serving more than a thousand families worldwide, guiding clients through complex tax considerations, multigenerational wealth planning, and philanthropic strategy. His mission is simple but ambitious: to help clients make informed decisions that can create lasting impact for their families and for the causes they care about most.
While many advisory teams focus primarily on markets and returns, Mason begins somewhere deeper. Every relationship starts with understanding a client’s values, priorities, and long-term vision. From there, he designs highly customized financial plans grounded in disciplined investment management. Clients are drawn to his steady perspective, thoughtful counsel, and ability to navigate both opportunity and risk with clarity and composure.
Mason’s appreciation for wealth is shaped by personal experience. Raised in a hardworking family, he learned early the value of discipline, integrity, and perseverance. Those principles guided him through college and into a career that began humbly running errands and supporting senior advisors at Credit Suisse First Boston. Through hard work and determination, he rose to help build and grow a multibillion-dollar advisory practice. Having experienced both financial constraint and financial abundance, Mason brings empathy and perspective to every client conversation.
Mason is deeply committed to education, mentorship, and expanding financial literacy—particularly within collegiate athletic programs and underserved communities.
A former PGA Head Golf Coach at The Boys’ Latin School of Maryland, Mason continues to blend his passion for sports with leadership and mentorship. He has been active in numerous professional and community organizations, including serving on advisory boards and committees within the NFLPA and Morgan Stanley, as well as the Baltimore Country Club Board of Governors.
Mason lives in Hunt Valley, Maryland, with his family. Outside of work, he remains passionate about coaching, teaching, and helping others build meaningful, enduring legacies.
Securities Agent: AL, VT, VA, UT, TN, SD, NM, NE, MD, MA, GA, AR, WA, SC, OR, OK, MI, ME, CT, CA, WI, PA, KY, DC, NH, ID, CO, MN, FL, RI, WV, PR, NC, LA, IN, IL, NV, NJ, WY, TX, OH, NY, HI, DE, AZ, MO, KS; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255479
NMLS#: 1255479
About Dominic Nicolini
Dominic Nicolini is a Managing Director, Senior Portfolio Management Director, and Financial Advisor with 20 years of industry experience, all with Morgan Stanley. His primary role within Orchard Wealth Management is constructing and managing customized client investment portfolios. Dominic believes that genuinely understanding each client’s unique financial position, objectives, and tolerance for risk are the key factors in building an individualized wealth program.
A native of Merrillville, Indiana, Dominic attended the United States Naval Academy in Annapolis, Maryland where he was the captain of the NCAA Division 1 baseball team. He graduated with a B.S. in Political Science and served in the Unites States Navy as a Naval Aviator before joining Morgan Stanley. In 2011, Dominic earned the CERTIFIED FINANCIAL PLANNER™ designation, completing a comprehensive accreditation curriculum to best provide clients with retirement, investment, insurance, and tax planning. In 2019, Dominic attended Columbia University and received his designation as a CERTIFIED PORTFOLIO MANAGER™ from the Academy of Certified Portfolio Managers. In 2018 and 2019, Dominic was named to Forbes Magazine’s Top Next-Gen Wealth Advisor’s list. In 2020, Dominic was named by Morgan Stanley to the President’s Club, a group composed of the firm’s top Financial Advisors.
Dominic resides in Lutherville with his wife Kristin, daughters Sutton and Campbell, his sons Quinn and Peyton, and the family boxer, Chopper. Outside of the office, Dominic enjoys nothing more than spending time with his family: travelling, taking his kids to museums, and coaching their youth sports. He is an avid fan of Navy football, Indiana University basketball, and the Chicago White Sox.
Dominic is a founder and board member of the LD1940 fund, a 501(c)3 memorial fund that provides scholarships and retreat activity funding for children undergoing treatment for cancer. He is also an active fundraiser, runner, and volunteer with Athletes Saving Athletes, a local nonprofit organization that pairs young individuals whom have limited mobility with volunteer runners so that they may participate together in racing.
2018 and 2019 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2018, 2019). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
A native of Merrillville, Indiana, Dominic attended the United States Naval Academy in Annapolis, Maryland where he was the captain of the NCAA Division 1 baseball team. He graduated with a B.S. in Political Science and served in the Unites States Navy as a Naval Aviator before joining Morgan Stanley. In 2011, Dominic earned the CERTIFIED FINANCIAL PLANNER™ designation, completing a comprehensive accreditation curriculum to best provide clients with retirement, investment, insurance, and tax planning. In 2019, Dominic attended Columbia University and received his designation as a CERTIFIED PORTFOLIO MANAGER™ from the Academy of Certified Portfolio Managers. In 2018 and 2019, Dominic was named to Forbes Magazine’s Top Next-Gen Wealth Advisor’s list. In 2020, Dominic was named by Morgan Stanley to the President’s Club, a group composed of the firm’s top Financial Advisors.
Dominic resides in Lutherville with his wife Kristin, daughters Sutton and Campbell, his sons Quinn and Peyton, and the family boxer, Chopper. Outside of the office, Dominic enjoys nothing more than spending time with his family: travelling, taking his kids to museums, and coaching their youth sports. He is an avid fan of Navy football, Indiana University basketball, and the Chicago White Sox.
Dominic is a founder and board member of the LD1940 fund, a 501(c)3 memorial fund that provides scholarships and retreat activity funding for children undergoing treatment for cancer. He is also an active fundraiser, runner, and volunteer with Athletes Saving Athletes, a local nonprofit organization that pairs young individuals whom have limited mobility with volunteer runners so that they may participate together in racing.
2018 and 2019 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2018, 2019). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Securities Agent: AZ, WY, VT, SC, NV, NJ, IL, GA, DE, CO, AR, VA, OH, HI, ME, KY, CA, WI, IN, OR, MN, CT, TN, ID, UT, MO, MI, MD, LA, KS, TX, PR, PA, OK, NM, FL, AL, WA, NY, NH, MA, WV, SD, NE, NC, DC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1297707
NMLS#: 1297707
About John Magiros
John Magiros, CFP® Family Wealth Directors at Morgan Stanley and is co-founder of Orchard Wealth Management at Morgan Stanley. He primarily works with entrepreneurs, high net worth families, and high trajectory young professionals. His focus is on helping them make the best financial decisions for themselves and their stakeholders throughout the different stages of their journey. John accomplishes this with custom, full spectrum advice that incorporates client personal values as well as by providing specialized resources for complex needs.
John’s interest in personal wealth management began at the University of Maryland where he graduated with dual degrees in Economics and Psychology in 2005. These areas of study allowed him to find the link between the personalized lens through which people view the world and the resulting financial decisions people make. This connection motivated John to continue to strengthen his acumen in helping people uncover their true decision drivers, and led to the pursuit of his Financial Advisor role. Over his 12 year tenure in the wealth management field, John has developed a specialized service model and philosophy to successfully address his client’s needs. The foundation of this model is based on a client-first-always mentality and minimizing the unknown to develop more predictable outcomes.
In pursuit of his passion for helping responsible businesses, John serves on advisory boards of emerging companies as well as providing informal guidance on the topics of growth, gathering resources, and strategic planning. He also co-founded the non-profit Volunteering Untapped ™ in 2013 to lower the barrier to civic engagement for millennials in US cities, create real impact, and find friendship amongst their community.
John lives in Cockeysville, MD with his wife Kristen, daughter Andi, and 2 dogs Kevin! and Fern. When he’s not in the office, John enjoys spending time with his family, playing the drums, and rooting for the University of Maryland’s basketball team.
John’s interest in personal wealth management began at the University of Maryland where he graduated with dual degrees in Economics and Psychology in 2005. These areas of study allowed him to find the link between the personalized lens through which people view the world and the resulting financial decisions people make. This connection motivated John to continue to strengthen his acumen in helping people uncover their true decision drivers, and led to the pursuit of his Financial Advisor role. Over his 12 year tenure in the wealth management field, John has developed a specialized service model and philosophy to successfully address his client’s needs. The foundation of this model is based on a client-first-always mentality and minimizing the unknown to develop more predictable outcomes.
In pursuit of his passion for helping responsible businesses, John serves on advisory boards of emerging companies as well as providing informal guidance on the topics of growth, gathering resources, and strategic planning. He also co-founded the non-profit Volunteering Untapped ™ in 2013 to lower the barrier to civic engagement for millennials in US cities, create real impact, and find friendship amongst their community.
John lives in Cockeysville, MD with his wife Kristen, daughter Andi, and 2 dogs Kevin! and Fern. When he’s not in the office, John enjoys spending time with his family, playing the drums, and rooting for the University of Maryland’s basketball team.
Securities Agent: WY, CA, TX, TN, OR, NV, NE, GA, AZ, NC, MO, MA, PR, OH, NY, MN, MD, KS, WI, WA, UT, MI, IN, AL, ME, LA, KY, DE, CO, VT, RI, OK, NJ, DC, ID, WV, VA, SD, NH, HI, SC, PA, AR, NM, IL, FL, CT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1401614
NMLS#: 1401614
About Matthew J Riggin
Securities Agent: KS, CA, OK, OH, NE, GA, CT, SC, PA, NY, HI, CO, AL, WA, NM, MO, ME, LA, TN, MN, IN, FL, WY, NJ, MD, VA, UT, TX, NC, AZ, WI, PR, NV, NH, MA, KY, ID, DE, WV, OR, MI, IL, DC, AR, VT, SD; General Securities Representative; Investment Advisor Representative
NMLS#: 1398717
NMLS#: 1398717
About Don Wilber
Securities Agent: NE, MA, KY, WI, NV, NJ, NY, MN, FL, OH, NH, MI, CT, TX, AZ, AL, SC, PA, ME, GA, DE, WA, VT, UT, MO, HI, CO, CA, VA, NC, AR, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 521733
NMLS#: 521733
About Me
James Lillie is a Senior Vice President and Wealth Management Advisor who has over 35 years of Industry experience in Financial Services.
Jim graduated from Lafayette College with honors in Economics and Finance. He holds the Certified Private Wealth Advisor® designation from the Investments & Wealth Institute through the University of Chicago Booth School of Business. He holds the Certified Investment Management Analyst® designation from the Investments & Wealth Institute in conjunction with the
Wharton School, University of Pennsylvania and IMCA. Jim holds the CERTIFIED FINANCIAL PLANNER certification awarded by the Certified Financial Planner Board of Standards, Inc.
Jim is a committee member for the Baltimore Estate Planning Council and can work with your attorney in coordinating your wealth distribution strategy.
Jim lives in Phoenix, Maryland with his wife Marina and his 2 sons. He enjoys riding his horses, fishing and hunting with his dog.
Jim graduated from Lafayette College with honors in Economics and Finance. He holds the Certified Private Wealth Advisor® designation from the Investments & Wealth Institute through the University of Chicago Booth School of Business. He holds the Certified Investment Management Analyst® designation from the Investments & Wealth Institute in conjunction with the
Wharton School, University of Pennsylvania and IMCA. Jim holds the CERTIFIED FINANCIAL PLANNER certification awarded by the Certified Financial Planner Board of Standards, Inc.
Jim is a committee member for the Baltimore Estate Planning Council and can work with your attorney in coordinating your wealth distribution strategy.
Jim lives in Phoenix, Maryland with his wife Marina and his 2 sons. He enjoys riding his horses, fishing and hunting with his dog.
Securities Agent: TX, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, UT, VA, VT, WA, WI, WV, WY, MS; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 532981
NMLS#: 532981
About J. Scott Quinto
An experienced wealth management professional with more than 30 years of industry experience, Scott is dedicated to providing customized advice and investment strategies to high net worth individuals, family offices, endowments and foundations in the New York metropolitan area. His comprehensive approach includes a thorough planning process and a commitment to providing outstanding service.
Scott began his career in financial services as a traditional broker at Paine Webber in 1992. Over the years, Scott has had the opportunity to work at several large financial institutions, including First Union (formerly Everen Securities), Oppenheimer and Credit Suisse. He joined Morgan Stanley in 2015, then became a Certificated Portfolio Manager after studying at Columbia University in 2018. He continues to build trust with clients by upholding transparency, and delivering an exceptional client experience. Scott delivers high quality service, guided by a distinctive value proposition that prioritizes trustworthiness, productivity and a dedication to asking the right questions to understand and meet his clients financial needs.
Scott grew up in a Spanish speaking household in Manhattan and is fluent in Spanish. He is a member of the Morgan Stanley Wealth Management Multicultural Networking Group and the Latino Employee Networking Group. Scott actively participates in the exciting world of e-sports and entertainment as a Global Sports and Entertainment Director. He works with business managers, athletes and entertainers in the field.
Scott attended Fordham University where he studied finance. He participates in the foster home program for North Shore Animal league and is a CrossFit and basketball aficionado.
Scott began his career in financial services as a traditional broker at Paine Webber in 1992. Over the years, Scott has had the opportunity to work at several large financial institutions, including First Union (formerly Everen Securities), Oppenheimer and Credit Suisse. He joined Morgan Stanley in 2015, then became a Certificated Portfolio Manager after studying at Columbia University in 2018. He continues to build trust with clients by upholding transparency, and delivering an exceptional client experience. Scott delivers high quality service, guided by a distinctive value proposition that prioritizes trustworthiness, productivity and a dedication to asking the right questions to understand and meet his clients financial needs.
Scott grew up in a Spanish speaking household in Manhattan and is fluent in Spanish. He is a member of the Morgan Stanley Wealth Management Multicultural Networking Group and the Latino Employee Networking Group. Scott actively participates in the exciting world of e-sports and entertainment as a Global Sports and Entertainment Director. He works with business managers, athletes and entertainers in the field.
Scott attended Fordham University where he studied finance. He participates in the foster home program for North Shore Animal league and is a CrossFit and basketball aficionado.
Securities Agent: AL, OH, FL, AZ, WV, SC, MD, GA, DC, TN, PR, NE, LA, PA, NH, CT, VT, RI, MA, KY, IL, CA, VA, TX, OR, NJ, KS, ID, HI, CO, WY, UT, MT, NM, MI, DE, WI, NV, NC, MN, IN, AR, WA, SD, NY, MO, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 1435724
NMLS#: 1435724
About David Noble
• Experience prior to joining Morgan Stanley* includes Citi Personal Wealth Management (Citibank), 23 years and Lincoln National Life Insurance, 2 years
• David works closely with his clients and their families to provide tailored solutions in the areas of investing, retirement planning, cash management, insurance, and lending.
• David provides detailed service, comprehensive financial planning with periodic reviews to ensure clients investment plan remains on track with life plan
• Series 7 - General Securities Representative, Series 65 - Investment Advisory Agent, Series 63 - Investment Advisory Agent & Uniform State Exam • Licensed: Life, Health, Variable Annuity & Long Term Care Insurance
• Licensed in the following states: AL, AZ, CA, CO, CT, DC, DE, FL, GA, IA, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NJ, NV, NY, OH, OK, PA, SC, SD, TN, TX, VA, WA, WI
• University of North Florida - Bachelor of Business Administration 1991
• Awarded to Citibank Global Chairman’s Conference 2004, 2005
Personal
• Married to Andrea 25 years
• Lives in Tequesta, FL
• Enjoys playing golf, tennis, and baseball
• Born in Oklahoma City, OK
• David works closely with his clients and their families to provide tailored solutions in the areas of investing, retirement planning, cash management, insurance, and lending.
• David provides detailed service, comprehensive financial planning with periodic reviews to ensure clients investment plan remains on track with life plan
• Series 7 - General Securities Representative, Series 65 - Investment Advisory Agent, Series 63 - Investment Advisory Agent & Uniform State Exam • Licensed: Life, Health, Variable Annuity & Long Term Care Insurance
• Licensed in the following states: AL, AZ, CA, CO, CT, DC, DE, FL, GA, IA, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NJ, NV, NY, OH, OK, PA, SC, SD, TN, TX, VA, WA, WI
• University of North Florida - Bachelor of Business Administration 1991
• Awarded to Citibank Global Chairman’s Conference 2004, 2005
Personal
• Married to Andrea 25 years
• Lives in Tequesta, FL
• Enjoys playing golf, tennis, and baseball
• Born in Oklahoma City, OK
Securities Agent: MA, DC, CT, AL, WV, PR, OK, MI, ME, KY, IN, FL, DE, CO, WI, NY, NJ, NH, MD, MN, LA, KS, ID, WA, TX, RI, NE, WY, PA, OH, VA, TN, MS, VI, UT, SD, NM, IL, HI, GA, VT, SC, OR, NV, CA, AZ, AR, MO, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 1589613
NMLS#: 1589613
About Stephen
Stephen Ross is a Vice President and Senior Financial Advisor with over 20 years' experience in the Financial Services Industry.
Steve is a graduate of the Pennsylvania State University. He holds Retirement Management Advisor® designation through the Investments & Wealth Institute, the Certified Divorce Financial Analyst® designation through the Institute for Divorce Financial Analysts, and the Certified Plan Fiduciary Advisor® designation through the National Association of Plan Advisors.
Steve lives in Perry Hall, Maryland with his wife and 3 children. He enjoys golfing, as well coaching and playing sports with his children.
Steve is a graduate of the Pennsylvania State University. He holds Retirement Management Advisor® designation through the Investments & Wealth Institute, the Certified Divorce Financial Analyst® designation through the Institute for Divorce Financial Analysts, and the Certified Plan Fiduciary Advisor® designation through the National Association of Plan Advisors.
Steve lives in Perry Hall, Maryland with his wife and 3 children. He enjoys golfing, as well coaching and playing sports with his children.
Securities Agent: UT, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, VA, VT, WA, WI, WV, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 532913
NMLS#: 532913
About Tim Marino
• Experience prior to joining Morgan Stanley* includes Citi Personal Wealth Management (Citibank), Bank of America, HSBC Bank USA, & PNC Financial Services Group
• Tim works closely with his clients and their families to provide tailored solutions in the areas investing, retirement planning, cash management, and lending.
• Series 7 - General Securities Representative, Series 65 - Investment Advisory Agent, Series 66 - Combined Investment Advisory Agent & Uniform State Exam
• Licensed: Life, Health, Variable Annuity & Long Term Care Insurance
• Seton Hall University- Bachelor of Science in Finance
• W. Paul Stillman School of Business Leadership Studies
• Eagle Scout & Community Volunteer Service Award Winner
Personal
• Married to Nicole with 2 children, AJ (13) and Wyatt (12)
• Lives in Palm Beach Gardens, FL
• Enjoys being outside with his family, camping, skiing, and visiting the National Parks
• Tim works closely with his clients and their families to provide tailored solutions in the areas investing, retirement planning, cash management, and lending.
• Series 7 - General Securities Representative, Series 65 - Investment Advisory Agent, Series 66 - Combined Investment Advisory Agent & Uniform State Exam
• Licensed: Life, Health, Variable Annuity & Long Term Care Insurance
• Seton Hall University- Bachelor of Science in Finance
• W. Paul Stillman School of Business Leadership Studies
• Eagle Scout & Community Volunteer Service Award Winner
Personal
• Married to Nicole with 2 children, AJ (13) and Wyatt (12)
• Lives in Palm Beach Gardens, FL
• Enjoys being outside with his family, camping, skiing, and visiting the National Parks
Securities Agent: VA, MO, MA, IN, HI, AL, PA, NM, NJ, ME, WA, KS, CT, WV, VT, SD, MS, CA, PR, IL, ID, DE, TN, NV, GA, CO, UT, SC, OR, OK, OH, NC, MN, MI, TX, KY, WY, RI, NE, MD, WI, VI, NH, FL, AZ, AR, NY, LA, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1042555
CA Insurance License #: 0H93415
NMLS#: 1042555
CA Insurance License #: 0H93415
About Timothy Kidd
• Experience prior to joining Morgan Stanley* includes American Express Financial Advisors, Ohio Savings Securities (Amtrust Bank), IFMG Securities (Bank United), Citi Personal Wealth Management (Citibank)
• His mission is to take his clients financial situation and build a bridge to facilitate their ideal life
• He is particularly committed to providing detailed service, comprehensive financial planning with periodic reviews to ensure her client's investment plan remain on track with their life plan
• Series 7 - General Securities Representative, Series 65 - Investment Advisory Agent, Series 66 - Combined Investment Advisory Agent & Uniform State Exam
• Licensed: Life, Health, Variable Annuity & Long Term Care Insurance
Personal
• Born in Frankfurt, Germany
• Lives in Jupiter with his wife, Jessica
• His mission is to take his clients financial situation and build a bridge to facilitate their ideal life
• He is particularly committed to providing detailed service, comprehensive financial planning with periodic reviews to ensure her client's investment plan remain on track with their life plan
• Series 7 - General Securities Representative, Series 65 - Investment Advisory Agent, Series 66 - Combined Investment Advisory Agent & Uniform State Exam
• Licensed: Life, Health, Variable Annuity & Long Term Care Insurance
Personal
• Born in Frankfurt, Germany
• Lives in Jupiter with his wife, Jessica
Securities Agent: MD, DE, MS, HI, GA, WV, TN, NV, AZ, WI, VI, SD, SC, NJ, LA, KY, IN, VA, TX, RI, NY, NM, NH, NC, ME, ID, FL, WY, WA, OR, MA, IL, DC, AL, VT, PA, OK, CT, CO, CA, UT, OH, NE, MN, PR, MO, AR, MT, MI, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 1589614
NMLS#: 1589614
About Johnathon Raver
Securities Agent: WY, VA, IL, DE, CO, TX, MO, CT, CA, WV, UT, NJ, VT, RI, PA, NY, NC, NV, NM, MS, KY, DC, SD, NH, TN, NE, MI, LA, HI, SC, PR, MA, IN, AZ, AR, AL, WA, OR, OH, MN, MD, WI, MT, ME, KS, GA, FL, OK; General Securities Representative; Investment Advisor Representative
NMLS#: 467695
NMLS#: 467695
About Brooke M. Coligan
Securities Agent: IN, MN, OK, OH, NV, MI, MA, GA, VA, TX, TN, RI, ND, FL, NJ, MD, KY, ID, DE, WI, PA, NY, MO, LA, AZ, HI, PR, WA, UT, SD, NH, MT, AR, WV, IL, CT, CO, SC, NM, NE, NC, MS, KS, IA, CA, VT, OR, DC, AL, WY, ME; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2716574
NMLS#: 2716574
About Fred Davis
Frederick Davis is a Registered Senior Wealth Management Client Associate who has over 25 years of industry experience in Financial Services. He is a graduate of the University of Baltimore.
Fred lives in Pikesville, Maryland with his wife Cyndy. He enjoys cooking, golf, travel and playing with his dogs, Max and Harry.
Fred lives in Pikesville, Maryland with his wife Cyndy. He enjoys cooking, golf, travel and playing with his dogs, Max and Harry.
Contact Mason Champion
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Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
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- Private Banking Solutions
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
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Ready to start a conversation? Contact Orchard Wealth Management today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley 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.
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
4When 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.
5When 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.
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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley 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.
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
4When 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.
5When 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.
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.
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)
