Matt Hansen, CFP®, CEPA®
Executive Director, Financial Advisor
Phone:
(858) 613-8151(858) 613-8151
Hansen Wealth Management Group at Morgan Stanley
Direct:
(858) 613-8151(858) 613-8151
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
At Hansen Wealth Management Group, we take a comprehensive approach to Wealth Management that evolves alongside our clients and their businesses. We work closely with business owners to design customized strategies for each stage of their journey, from building enterprise value and leveraging balance sheet strength to securing credit lines and financing to support growth. Through Morgan Stanley's Investment Banking and Capital Markets resources, we help clients evaluate opportunities to sell, merge, or go public, and develop thoughtful plans for what comes next. Our team also provides guidance on managing liquidity events and creating a sustainable retirement strategy after transition. Whether navigating the complexities of business ownership, preserving family wealth, or pursuing new opportunities, our goal is to help clients make confident, well-informed decisions at every step.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Keeping Yourself Financially Educated
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets. We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. Check out the provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth.
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read this Weeks Report
Global Investment Committee On The Markets
A monthly publication that summarizes the Global Investment Committee's market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out the latest edition here.
GIC On The Markets
What Should I Do With My Money Podcast
Managing our money is one of the most important aspects of our lives, and yet, many people don’t have someone they can depend on for help when they need it. In this podcast, we match real people with financial advisors to try and help them solve the complex issues facing their financial lives.
Check It Out Here
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief U.S. Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen HereEducation is a cornerstone for our team and each of these designations represents a deeper level of knowledge that helps us understand your goals from every angle. By staying current, and continually sharpening our expertise, we are able to offer more thoughtful strategies, clear guidance, and solutions that truly fit your needs. We stay committed to learning in order to fully support our mission of empowering you in your financial life.
- Matt Hansen
- CFP® professionals have in-depth knowledge of investments, tax planning, retirement planning, risk management, and estate planning.
- Matt Hansen
- Nicole Choi
- CEPA® advisors take a holistic approach integrating business, personal, and financial goals to maximize the value and success of a business exit.
CFP® – CERTIFIED FINANCIAL PLANNER®
CEPA® – CERTIFIED EXIT PLANNING ADVISOR®
Exit Planning
If you are contemplating an exit from your business, there are a multitude of personal, business, tax, estate, and financial factors involved in making this important decision. Planning ahead with the help of your professional advisors is essential for mitigating risk, enhancing business value, and ensuring that the exit helps you achieve your most important goals.
Exit Planning Checklist
A well-structured exit plan not only safeguards your financial interests but also ensures a smooth transition for all stakeholders involved. Please refer to the linked Exit Planning Checklist for detailed guidance.
Comprehensive Solutions
We understand the unique challenges and opportunities that come with managing family wealth, Through Morgan Stanley's Family Office Resources, we offer exclusive access to a comprehensive suite of services tailored to meet the complex needs of multi-generational families. Our approach is grounded in trust, transparency, and a deep commitment to preserving and growing your legacy for generations to come.
Family Office Resources Overview
Specialized wealth management services tailored for ultra-high-net-worth families, addressing complex, multigenerational financial issues. These services include estate planning, family governance, wealth education, philanthropy management, and investment strategy, all integrated with private wealth advisor support.
Estate Planning Strategies
Morgan Stanley's Estate Planning Strategies provide guidance on preserving and transferring wealth efficiently across generations, incorporating tax planning, trusts, and charitable giving.
Wealth Strategies
Morgan Stanley's Wealth Strategies provide tailored investment planning tools to help clients align their portfolios with estate plans, tax situations, and financial goals. They focus on strategic asset allocation, risk management, and long-term growth, considering individual circumstances like liquidity needs and beneficiary profiles.
Portfolio Construction
These services offer customized investment solutions through its Outsourced Chief Investment Officer (OCIO) platform, leveraging 30 years of experience. They provide tailored asset allocation, manager selection, risk management, and comprehensive reporting for ultra-high-net-worth families and institutions.
Philanthropy Management
This helps individuals, families, and foundations achieve their charitable goals through customized strategies, donor-advised funds, and operational support. We offer advisory services, grant-making solutions, and educational resources to maximize philanthropic impact.
Lifestyle Advisory
Signature Access and Lifestyle Advisory provides bespoke solutions for ultra-high-net-worth clients, including travel and concierge services, health and security advisory, tangible asset management, and financial administration. It also offers exclusive access to the Reserved Living & Giving loyalty program.
Location
6041 La Flecha
Rancho Santa Fe, CA 92067
US
Direct:
(858) 613-8151(858) 613-8151
Meet Hansen Wealth Management Group
Gabriel "Gabe" Mendoza
Finanical Advisor
Phone:
(858) 613-8152(858) 613-8152
Nicole Choi
Wealth Management Associate
Phone:
(858) 613-8153(858) 613-8153
Nic Trounce
Registered Client Service Associate
Phone:
(858) 613-8169(858) 613-8169
About Me
Matt Hansen serves as the Executive Director of the Hansen Wealth Management Group at Morgan Stanley. With more than two decades of experience in wealth management, Matt focuses on helping entrepreneurs align their personal financial plans with their broader business strategies. He guides clients through critical phases of business growth and transition, including mergers, sales, and public offerings, while providing tailored financial and wealth management advice. Matt has obtained his CERTIFIED FINANCIAL PLANNER® certification and CERTIFIED EXIT PLANNING ADVISOR® certification and is a graduate of Southern Utah University. He resides in the Rancho Santa Fe area with his wife and three children.
Securities Agent: MO, OH, VI, NY, NH, MI, KS, IN, IL, WY, SD, NV, MD, CA, AZ, UT, TN, DC, PA, OR, NC, MS, ID, CO, SC, ND, LA, HI, CT, MN, NM, NJ, AR, VA, TX, OK, MT, MA, GA, FL, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 2687763
NMLS#: 2687763
About Gabriel "Gabe" Mendoza
Gabe Mendoza is a Financial Advisor at Morgan Stanley, where he helps individuals, families, and business owners achieve clarity and confidence in their financial lives. With over eight years of experience in the financial services industry, Gabe brings a deep understanding of complex wealth management, tax-efficient investment strategy, and business liquidity events.
Before joining Morgan Stanley, Gabe worked at UBS, where he developed a strong foundation in comprehensive financial planning and client service. He earned his Bachelor’s degree in Business Administration with an emphasis in Finance from California State University San Marcos.
Gabe has a particular passion for helping clients solve complex financial challenges and align their wealth with their long-term goals. He works closely with business owners and executives, guiding them through the financial intricacies of growing, transitioning, or selling their businesses; ensuring their business goals and personal wealth strategies are fully integrated. He also works with individuals and families to design personalized financial plans that help them build, protect, and transfer wealth with confidence.
Outside of work, Gabe enjoys playing beach volleyball, exploring the U.S. National Parks, and discovering new coffee roasts. He and his wife reside in Encinitas and share a passion for traveling the world to experience new cultures.
Before joining Morgan Stanley, Gabe worked at UBS, where he developed a strong foundation in comprehensive financial planning and client service. He earned his Bachelor’s degree in Business Administration with an emphasis in Finance from California State University San Marcos.
Gabe has a particular passion for helping clients solve complex financial challenges and align their wealth with their long-term goals. He works closely with business owners and executives, guiding them through the financial intricacies of growing, transitioning, or selling their businesses; ensuring their business goals and personal wealth strategies are fully integrated. He also works with individuals and families to design personalized financial plans that help them build, protect, and transfer wealth with confidence.
Outside of work, Gabe enjoys playing beach volleyball, exploring the U.S. National Parks, and discovering new coffee roasts. He and his wife reside in Encinitas and share a passion for traveling the world to experience new cultures.
Securities Agent: AR, FL, TX, OR, NC, NY, MN, CA, KS, IL, UT, NJ, ND, MD, DC, TN, SD, OK, MT, LA, CO, MS, GA, VA, SC, NV, NM, IN, ID, OH, MA, AZ, WY, WA, VI, PA, MO, MI, CT, NH, HI; General Securities Representative; Investment Advisor Representative
About Nicole Choi
Nicole brings 18 years of financial services experience, both in wealth management and risk/compliance. 6 of those years have been working with Matt Hansen, first in 2008-2012 and then rejoining the team in 2023. She supports Hansen Wealth Management Group, and obtained her CERTIFIED EXIT PLANNING ADVISOR® designation in 2023. Nicole spends her free time in the gym, hiking, playing pickleball and working on her new home.
AR, AZ, CA, CT, FL, GA, ID, LA, MA, MT, NV, NM, NY, OH, PA, SC, TN, TX, UT, VA, WA; General Securities Principal; General Securities Representative
About Nic Trounce
Nic Trounce is a returning Client Service Associate at Morgan Stanley and a new addition to the Rancho Santa Fe branch. He is enthusiastic about working with the Hansen Wealth Management Group and is eager to learn and contribute in any way possible. Nic has been with Morgan Stanley for over six years, having previously worked at the UTC branch as a Client Service Associate and on the E*TRADE side of Morgan Stanley in a Client Service/Relationship Management capacity. Before joining ETRADE/Morgan Stanley, he gained experience in both the insurance and logistics industries. Nic holds a degree in Business Management from BYU-I and has always been fascinated by finance, which ultimately led him to the industry.
Nic resides in the Rancho Penasquitos area of San Diego with his wife, Paige, and their two young sons, Russell (6) and Johnny (2). Outside of work, Nic and his wife are dedicated parents to their energetic boys. In his spare time, he enjoys reading, playing or watching basketball (particularly the Lakers), playing golf, and attending car shows.
Nic resides in the Rancho Penasquitos area of San Diego with his wife, Paige, and their two young sons, Russell (6) and Johnny (2). Outside of work, Nic and his wife are dedicated parents to their energetic boys. In his spare time, he enjoys reading, playing or watching basketball (particularly the Lakers), playing golf, and attending car shows.
Contact Matt Hansen
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
Russ Gallen
Private Banker
Brett Fordyce
Planning Associate
About Russ Gallen
Russ Gallen is a Private Banker serving Morgan Stanley Wealth Management offices in California.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending
solutions.
Russ began his career in financial services in 2001, and joined Morgan Stanley in 2019 as a Private Banker. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch.
Russ is a graduate of Arizona State University, where he received a Bachelor of Science in Finance. He lives in Solana Beach, California. Outside of the office, Russ enjoys golf, tennis and traveling.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending
solutions.
Russ began his career in financial services in 2001, and joined Morgan Stanley in 2019 as a Private Banker. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch.
Russ is a graduate of Arizona State University, where he received a Bachelor of Science in Finance. He lives in Solana Beach, California. Outside of the office, Russ enjoys golf, tennis and traveling.
NMLS#: 684961
About Brett Fordyce
Brett Fordyce is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Brett provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
Brett earned his undergraduate and postgraduate degrees from Queensland University of Technology in Brisbane, Australia and received the Financial Planning Specialist® designation from the College for Financial Planning. Brett is originally from South Africa and currently resides in New York City.
Brett earned his undergraduate and postgraduate degrees from Queensland University of Technology in Brisbane, Australia and received the Financial Planning Specialist® designation from the College for Financial Planning. Brett is originally from South Africa and currently resides in New York City.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When 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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When 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.
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Hansen Wealth Management Group 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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.
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)
