Isaac Simon
Senior Vice president, Financial Advisor, Portfolio Manager Director
Phone:
(212) 903-7760(212) 903-7760
Gwen Parks
Financial Advisor,
Financial Planning Specialist
Direct:
(212) 903-7745(212) 903-7745
Toll-Free:
(800) 733-4793(800) 733-4793
My Mission Statement
Working with you to preserve and grow wealth for your long-term goals
My Story
As a Financial Advisor and Financial Planning Specialist at Morgan Stanley, my approach includes a disciplined planning process to understand my clients’ goals and values. I am committed to developing the appropriate strategies to achieve these goals and delivering tailored advice to my clients. As your Financial Advisor, my goal is to be there for you and your family and help you build and preserve the wealth you’ve worked so hard to achieve.
I currently hold my Series 7, 66 and Life, Accident and Health Insurance license.
I joined Morgan Stanley in September 2017 as a Digital Advisor and then Wealth Advisor Associate covering Western New York and then moved to New York City in May 2019 covering Park Avenue Plaza. I focus on financial planning and digital strategies. 2020 I joined my team: The Simon-Marra-Le Group at Morgan Stanley.
Prior to joining the firm, I worked for a global medical imaging company headquartered in Rochester, NY. I held several positions in Supply Chain Management (US&C Supply and Demand Planner), Financial Planning and Analysis (Corporate Analyst) and Global Internal Audit (Internal Auditor).
I grew up in upstate (Rochester) New York and graduated from Syracuse University with a B.S in Finance and Supply Chain Management.
A strong believer in giving back, outside of work I support a number of organizations including a volunteer and member of the Syracuse University Alumni Clubs. I served on the Rochester board for 4 years and served as the Treasurer for 2 years.
I also enjoy exploring New York City, traveling, cooking and spending time with family and friends.
I currently hold my Series 7, 66 and Life, Accident and Health Insurance license.
I joined Morgan Stanley in September 2017 as a Digital Advisor and then Wealth Advisor Associate covering Western New York and then moved to New York City in May 2019 covering Park Avenue Plaza. I focus on financial planning and digital strategies. 2020 I joined my team: The Simon-Marra-Le Group at Morgan Stanley.
Prior to joining the firm, I worked for a global medical imaging company headquartered in Rochester, NY. I held several positions in Supply Chain Management (US&C Supply and Demand Planner), Financial Planning and Analysis (Corporate Analyst) and Global Internal Audit (Internal Auditor).
I grew up in upstate (Rochester) New York and graduated from Syracuse University with a B.S in Finance and Supply Chain Management.
A strong believer in giving back, outside of work I support a number of organizations including a volunteer and member of the Syracuse University Alumni Clubs. I served on the Rochester board for 4 years and served as the Treasurer for 2 years.
I also enjoy exploring New York City, traveling, cooking and spending time with family and friends.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- 401(k) Rollovers
- Planning for Education FundingFootnote3
- 529 PlansFootnote4
- Wealth ManagementFootnote5
- Cash Management and Lending ProductsFootnote6
- Sustainable InvestingFootnote7
- Long Term Care InsuranceFootnote8
- Life InsuranceFootnote9
- AnnuitiesFootnote10
Securities Agent: MS, AL, CA, WI, AZ, VT, OR, CT, NV, NY, FL, DE, PR, CO, PA, TX, NM, NJ, NC, IL, WA, VA, OK, NH, MI, DC, SC, MA, OH, MO, ME, MD, LA, KY, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1918446
NMLS#: 1918446
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
As Financial Advisors with Morgan Stanley, our relationship with our clients is central to all we do. We take the time to get to know them, working closely to help identify and prioritize their financial needs and goals that matter most. Then based on our discussions, we help develop a personalized financial plan that serves as a road-map for the future.
Today, it’s natural to have questions about your retirement, even if you’ve saved and planned for it. We are committed to providing premier service and focus on helping clients successfully navigate the inevitable complexities that come with wealth.
My most important goal: to help you achieve your objectives, providing guidance and resources to build and preserve your wealth.
OUR CLIENTS:
Everything we do is focused on our valued clients. Our practice is built on the development of deep and enduring relationships and the delivery of comprehensive wealth management services. Our clients include:
• Individuals and Families
• Family Offices
• Corporate Executives
• Business Owners
• Non-Profits
Today, it’s natural to have questions about your retirement, even if you’ve saved and planned for it. We are committed to providing premier service and focus on helping clients successfully navigate the inevitable complexities that come with wealth.
My most important goal: to help you achieve your objectives, providing guidance and resources to build and preserve your wealth.
OUR CLIENTS:
Everything we do is focused on our valued clients. Our practice is built on the development of deep and enduring relationships and the delivery of comprehensive wealth management services. Our clients include:
• Individuals and Families
• Family Offices
• Corporate Executives
• Business Owners
• Non-Profits
My Team
Visit The Simon-Marra-Parks Group at Morgan Stanley.
https://advisor.morganstanley.com/the-simon-marra-parks-group
https://advisor.morganstanley.com/the-simon-marra-parks-group
Awards & Recognitions
Forbes Best-In-State Wealth Management Teams
2025 Forbes
Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24
Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24
2024 Forbes
Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2024) Data compiled by SHOOK Research LLC for the period 3/31/22-3/31/23
Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2024) Data compiled by SHOOK Research LLC for the period 3/31/22-3/31/23
Financial Planning / Retirement Planning
As Financial Advisors with Morgan Stanley, our relationship with our clients is central to all we do. We take the time to get to know them, working closely to help identify and prioritize their financial needs and goals that matter most. Then based on our discussions, we help develop a personalized financial plan that serves as a road-map for the future.
Today, it’s natural to have questions about your retirement, even if you’ve saved and planned for it. We are committed to providing premier service and focus on helping clients successfully navigate the inevitable complexities that come with wealth.
My most important goal: to help you achieve your objectives, providing guidance and resources to build and preserve your wealth.
Today, it’s natural to have questions about your retirement, even if you’ve saved and planned for it. We are committed to providing premier service and focus on helping clients successfully navigate the inevitable complexities that come with wealth.
My most important goal: to help you achieve your objectives, providing guidance and resources to build and preserve your wealth.
Financial Planning / Retirement Planning
Compiling a full financial picture — that takes both your life goals and your life stage into consideration — is the starting point to a meaningful retirement analysis.
The first step in creating a personalized financial strategy is to develop a thorough understanding of your financial goals and the resources available to fund them. This document will help define and prioritize these goals and identify your resources. In addition, please gather statements for any accounts not held at Morgan Stanley, which will be helpful when discussing resources to fund your financial goals.
Click --> WORKSHEET: Financial Planning / Retirement PlanningThe first step in creating a personalized financial strategy is to develop a thorough understanding of your financial goals and the resources available to fund them. This document will help define and prioritize these goals and identify your resources. In addition, please gather statements for any accounts not held at Morgan Stanley, which will be helpful when discussing resources to fund your financial goals.
Location
55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 903-7745(212) 903-7745
Toll-Free:
(800) 733-4793(800) 733-4793
Fax:
(212) 903-7701(212) 903-7701
Meet My Team
Michael Marra, CFP®, CRPS®
Financial Advisor, CERTIFIED FINANCIAL PLANNER™, Chartered Retirement Plans Specialist, Senior Portfolio Manager
Phone:
(212) 649-8610(212) 649-8610
Joshua Friedman, CFP®
Vice President, Director of Business Strategy, CERTIFIED FINANCIAL PLANNER™*
Phone:
(212) 903-7767(212) 903-7767
Carmen Ortiz
Senior Client Service Associate
Phone:
(212) 903-7775(212) 903-7775
About Isaac Simon
Isaac seeks to understand clients’ goals, values, and circumstances, and then he customizes strategies designed to target their objectives and help them maintain the financial independence they’ve worked their whole lives to achieve. In addition to applying his investment acumen to portfolio construction and wealth planning, Isaac sees tremendous value in his experience as an educator and coach, because it helps him communicate the importance of financial planning and its core concepts to his clients.
BACKGROUND AND EXPERIENCE
Isaac began his career in 1996 at J.B. Oxford, a brokerage financial services firm, and moved to UBS in 2001. He later formed an advisory team at Morgan Stanley in 2014. Isaac graduated from the State College at Buffalo with a B.A. in business administration.
GETTING TO KNOW ISAAC
Isaac grew up in upstate New York and currently resides in Manhattan with his wife, Sandi, and two children, Ryan and Ava. In his spare time, he enjoys volunteering, working out, and traveling. Isaac has been involved with Coalition for the Homeless since 2006, and he received the Advisor with Heart Award from Registered Rep magazine in 2012, an honor that recognizes industry professionals who are deeply committed to charitable causes. In 2017, Isaac won the Community Leadership award from Morgan Stanley.
BACKGROUND AND EXPERIENCE
Isaac began his career in 1996 at J.B. Oxford, a brokerage financial services firm, and moved to UBS in 2001. He later formed an advisory team at Morgan Stanley in 2014. Isaac graduated from the State College at Buffalo with a B.A. in business administration.
GETTING TO KNOW ISAAC
Isaac grew up in upstate New York and currently resides in Manhattan with his wife, Sandi, and two children, Ryan and Ava. In his spare time, he enjoys volunteering, working out, and traveling. Isaac has been involved with Coalition for the Homeless since 2006, and he received the Advisor with Heart Award from Registered Rep magazine in 2012, an honor that recognizes industry professionals who are deeply committed to charitable causes. In 2017, Isaac won the Community Leadership award from Morgan Stanley.
Securities Agent: VA, MO, LA, WA, TN, SC, NV, NH, PR, OH, NC, AZ, MI, FL, CT, CA, WI, MA, KY, HI, DC, NY, NM, PA, TX, OR, NJ, ME, DE, AL, MS, VT, OK, MD, IL, CO, GA; General Securities Representative; Investment Advisor Representative
About Michael Marra, CFP®, CRPS®
Michael is dedicated to providing guidance for virtually all aspects of clients’ financial lives, which starts by customizing a structured plan that aligns with their objectives. By working closely with clients to help them identify and prioritize their retirement, lifestyle, and legacy goals, he can align his recommendations accordingly. Michael believes that clients can gain confidence in their financial futures by growing their relationship with a knowledgeable financial professional who is committed to looking out for their best interests and concerns.
BACKGROUND AND EXPERIENCE
Michael began his financial services career as a Client Service Associate with Ameriprise Financial. He came to Morgan Stanley in 2012 to work as a Wealth Advisory Associate, where he gained experience developing detailed financial plans and strategies for clients, and he moved into the Financial Advisor role in 2014. Michael is a CERTIFIED FINANCIAL PLANNER® professional and has attained the Chartered Retirement Plans SpecialistSM designation through the College for Financial Planning. Additionally, he holds the Series 7, 66, and Life and Health Insurance licenses.
GETTING TO KNOW MICHAEL Michael lives on Long Island with his wife, Gina, and enjoys golfing, skiing, and traveling in his free time.
BACKGROUND AND EXPERIENCE
Michael began his financial services career as a Client Service Associate with Ameriprise Financial. He came to Morgan Stanley in 2012 to work as a Wealth Advisory Associate, where he gained experience developing detailed financial plans and strategies for clients, and he moved into the Financial Advisor role in 2014. Michael is a CERTIFIED FINANCIAL PLANNER® professional and has attained the Chartered Retirement Plans SpecialistSM designation through the College for Financial Planning. Additionally, he holds the Series 7, 66, and Life and Health Insurance licenses.
GETTING TO KNOW MICHAEL Michael lives on Long Island with his wife, Gina, and enjoys golfing, skiing, and traveling in his free time.
Securities Agent: PR, NC, PA, MA, GA, DC, CO, VA, OH, MO, MI, ME, CA, AZ, AL, VT, SC, NY, NJ, WI, TX, OK, NM, WA, OR, NV, MS, IL, FL, NH, HI, MD, KY, DE, CT; General Securities Representative; Investment Advisor Representative
About Joshua Friedman, CFP®
Josh is the team’s Director of Business Strategy, focusing on operations and administration. He is responsible for client trading, portfolio reporting, investment research, and assistance with cash management and lending services.
BACKGROUND AND EXPERIENCE Josh began his career at Morgan Stanley in 2010 and has held a variety of roles at the firm, including providing order entry support and working on the financial planning desk. By collaborating with thousands of the firm’s advisors through these positions, he gained valuable insight about Morgan Stanley resources that he uses today as he works with clients. Josh joined the team as a Client Service Associate in 2014, and he has earned the Series 7, 66, and Life and Health Insurance licenses, as well as the CERTIFIED FINANCIAL PLANNER®* designation. He graduated from Rutgers University with a B.A. in economics.
GETTING TO KNOW JOSH Josh grew up in Marlboro, New Jersey, and currently lives in Long Island City. He is an avid sports fan and plays in several flag football and basketball leagues. In addition, he enjoys cooking, volunteering, and golfing in his free time.
*This role cannot solicit or provide investment advice
BACKGROUND AND EXPERIENCE Josh began his career at Morgan Stanley in 2010 and has held a variety of roles at the firm, including providing order entry support and working on the financial planning desk. By collaborating with thousands of the firm’s advisors through these positions, he gained valuable insight about Morgan Stanley resources that he uses today as he works with clients. Josh joined the team as a Client Service Associate in 2014, and he has earned the Series 7, 66, and Life and Health Insurance licenses, as well as the CERTIFIED FINANCIAL PLANNER®* designation. He graduated from Rutgers University with a B.A. in economics.
GETTING TO KNOW JOSH Josh grew up in Marlboro, New Jersey, and currently lives in Long Island City. He is an avid sports fan and plays in several flag football and basketball leagues. In addition, he enjoys cooking, volunteering, and golfing in his free time.
*This role cannot solicit or provide investment advice
About Carmen Ortiz
Carmen assists clients with all aspects of account service, including wire transfers, administrative changes, and Morgan Stanley Online. She enjoys building relationships by helping clients address a wide range of account-related needs, and her goal is to exceed their service expectations, both initially and continually over the long term.
BACKGROUND AND EXPERIENCE Carmen has spent most of her career at Morgan Stanley and joined the firm in 1999. Prior to Morgan Stanley, she worked in the banking industry for 10 years. As a result of her tenure, she is highly knowledgeable about firm resources and processes, which helps her serve clients efficiently and accurately.
GETTING TO KNOW CARMEN Born and raised in New York, Carmen lives in Queens with her husband, Jorge. Outside the office, she loves to crochet and has put these skills to work for Morgan Stanley’s Loops of Love charity. Carmen also enjoys spending time with her nieces and nephews, reading, going for walks, and spending afternoons in her back yard gardening.
BACKGROUND AND EXPERIENCE Carmen has spent most of her career at Morgan Stanley and joined the firm in 1999. Prior to Morgan Stanley, she worked in the banking industry for 10 years. As a result of her tenure, she is highly knowledgeable about firm resources and processes, which helps her serve clients efficiently and accurately.
GETTING TO KNOW CARMEN Born and raised in New York, Carmen lives in Queens with her husband, Jorge. Outside the office, she loves to crochet and has put these skills to work for Morgan Stanley’s Loops of Love charity. Carmen also enjoys spending time with her nieces and nephews, reading, going for walks, and spending afternoons in her back yard gardening.
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
About Tony Silva
Tony Silva is a Private Banker serving Morgan Stanley’s Wealth Management offices in New York City.
Tony began his career in financial services in 1995 and joined Morgan Stanley in 2015 as a Pipeline Manager in our Home Loans organization. In 2017, he was promoted to Project Manager on that team. Tony assumed his current position in February, 2018. Prior to his tenure at the firm, Tony held a number of roles at mortgage financing institutions.
Tony received a Bachelor of Science in Management from Rutgers University. He and his family reside in Livingston, New Jersey.
When not at the office, Tony enjoys traveling, playing soccer, and spending time with family and friends.
Tony began his career in financial services in 1995 and joined Morgan Stanley in 2015 as a Pipeline Manager in our Home Loans organization. In 2017, he was promoted to Project Manager on that team. Tony assumed his current position in February, 2018. Prior to his tenure at the firm, Tony held a number of roles at mortgage financing institutions.
Tony received a Bachelor of Science in Management from Rutgers University. He and his family reside in Livingston, New Jersey.
When not at the office, Tony enjoys traveling, playing soccer, and spending time with family and friends.
NMLS#: 217945
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Wealth Management
From My Desk
6 Financially Smart Ways to Start 2025
Wealth Management
Global Investment Office
Portfolio Insights
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Gwen Parks today.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
4Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
6Morgan 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
7Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
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For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
4Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
6Morgan 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
7Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
