Danny O'Brien
Associate Private Banker
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
My Story and Services
Hayden DuPont is a Financial Advisor with Wealth Management for Morgan Stanley. He focuses on investment research and financial planning services. Hayden first began his career at Morgan Stanley in 2020 where he joined The Corcoran Ciarelli Group at Morgan Stanley, where he served as a PWM Associate for the team for 3 years. In 2023, Hayden partnered with Chris Rall where he began his practice under the new partnership. Together, they work with clients to define objectives such as time horizon, liquidity needs, return expectations, cash flow, and income requirements to cultivate unique and custom financial plans for each of their clients. Hayden currently holds Series 7 and 66 security licenses as well as those in health and life insurance.
Hayden graduated from Moravian University in Bethlehem, PA where he majored in Economics and Political Science. During his time at Moravian, Hayden was inducted into Omicron Delta Epsilon: International Economics Honor Society and Pi Sigma Alpha: National Political Science Honor Society. Hayden was also a member of the lacrosse team where he served as captain for 2 years.
Hayden and his wife Kiersten happily reside in Newtown Square, PA with their Black Lab Franklin. Hayden spends most of his spare time spending time with his family, taking Franklin on adventures and golfing with friends.
As your Financial Advisor, Hayden can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for your individual needs. By leveraging access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices, Hayden can help you to preserve and grow your wealth.
Hayden graduated from Moravian University in Bethlehem, PA where he majored in Economics and Political Science. During his time at Moravian, Hayden was inducted into Omicron Delta Epsilon: International Economics Honor Society and Pi Sigma Alpha: National Political Science Honor Society. Hayden was also a member of the lacrosse team where he served as captain for 2 years.
Hayden and his wife Kiersten happily reside in Newtown Square, PA with their Black Lab Franklin. Hayden spends most of his spare time spending time with his family, taking Franklin on adventures and golfing with friends.
As your Financial Advisor, Hayden can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for your individual needs. By leveraging access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices, Hayden can help you to preserve and grow your wealth.
Services Include
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Executive Financial ServicesFootnote3
- Financial PlanningFootnote4
- Cash Management and Lending ProductsFootnote5
- Stock Option PlansFootnote6
- Estate Planning StrategiesFootnote7
- Trust ServicesFootnote8
- Endowments and FoundationsFootnote9
- Philanthropic ManagementFootnote10
- Retirement PlanningFootnote11
- Qualified Retirement PlansFootnote12
- Business Succession PlanningFootnote13
- AnnuitiesFootnote14
- Trust AccountsFootnote15
- Art AdvisoryFootnote16
Securities Agent: DC, CT, VT, VA, UT, OK, PR, NV, GA, NJ, AZ, AK, MI, OR, NM, NC, ME, LA, CA, WV, IL, AL, WA, TN, SC, OH, MT, MA, DE, PA, MD, CO, NY, FL, TX, RI, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 2583965
NMLS#: 2583965
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Rall Group at Morgan Stanley
Our professional credentials and areas of focus provide you with complimentary perspectives and access to a broad array of solutions. Our relationship with you is built on trust and transparency. We work with clients to define objectives such as time horizon, liquidity needs, return expectations, cash flow, and income requirements. We are greatly committed to putting your investment interests first and will strive to be your trusted advisor as we work to help build, grow and protect your financials assets and ultimately achieve your financial goals.
- We have over 60 years of combined financial industry experience.
- Our extensive industry experience has allowed us to develop time tested strategic financial solutions. Experience is the best teacher.
- We bring the strength of our team to you on every aspect of your financial well-being.
- Earning your trust & satisfaction is how we judge ourselves.
- When you partner with our team you gain access the global resources of -Morgan Stanley.
- We use robust discovery and planning tools to strategically design a portfolio to improve your chances of financial success.
- We collaborate with accounting, legal and estate planning professional to round out the financial expertise necessary to meet your needs.
- We strive to address our clients priorities and create a legacy for generations.
- With the combined resources of Morgan Stanley and The Rall Group we can accommodate our client's needs with demonstrated excellence.
Hayden DuPont - Financial Advisor
Hayden DuPont is a Financial Advisor with Wealth Management for Morgan Stanley. He focuses on investment research and financial planning services. Hayden first began his career at Morgan Stanley in 2020 where he joined The Corcoran Ciarelli Group at Morgan Stanley, where he served as a PWM Associate for the team for 3 years. In 2023, Hayden partnered with Chris Rall where he began his practice under the new partnership. Together, they work with clients to define objectives such as time horizon, liquidity needs, return expectations, cash flow, and income requirements to cultivate unique and custom financial plans for each of their clients. Hayden currently holds Series 7 and 66 security licenses as well as those in health and life insurance.
Hayden graduated from Moravian University in Bethlehem, PA where he majored in Economics and Political Science. During his time at Moravian, Hayden was inducted into Omicron Delta Epsilon: International Economics Honor Society and Pi Sigma Alpha: National Political Science Honor Society. Hayden was also a member of the lacrosse team where he served as captain for 2 years.
Hayden and his wife Kiersten happily reside in Newtown Square, PA with their Black Lab Franklin. Hayden spends most of his spare time spending time with his family, taking Franklin on adventures and golfing with friends.
NMLS# 2583965
Chris Rall - Senior Vice President, Portfolio Management Director, U.S. Government Entity Specialist, Financial Planning Specialist, Financial Advisor
An investment professional in the financial services industry since 1995, Chris began his career with Prudential Securities prior to joining Morgan Stanley in 2006. Chris's area of focus is in Asset Allocation, Risk Management, Investment Planning, Portfolio Construction and Maintenance as well as Financial Planning. He strives to accomplish clients' financial objectives by implementing personalized financial management solutions tailored to meet each client's individual needs. Chris' professional designations include Financial Planning Specialist, Senior Portfolio Manager, Government Entity Specialist and Financial Advisor. He is also a member of the Century Club.
Chris received his M.B.A. from St. Joseph's University and a B.A. from Pennsylvania State University as well as completing Undergraduate Business Administration Curriculum ~ The Wharton School of Business, University of Pennsylvania.
Originally from the western suburbs of Philadelphia, Chris has lived outside the city since 1975. He's a 15 year veteran volunteer guide at Philadelphia Museum of Art (PMA), Vice Chair on the PMA's Corporate Executives Board, and an honored representative on the PMA's Campaign Cabinet Board. Chris has been active in the Philadelphia Committee on Foreign Relations for 15 years. He's also a graduate of the fine arts program and sits on the alumni board of The Barnes Foundation in Philadelphia. Chris' greatest joy comes from traveling with his family.
NMLS#: 1376611
ENJOY LIFE THE WAY YOU ENVISIONED IT
Our client focus process consists of a multi-step deep understanding of our clients' and their particular needs. We are committed to building relationships that inspire a level of confidence from our clients.
Step 1 - Introduction
Completing a thorough analysis of your current portfolio's allocation, risk level, fees, and return compared to the benchmark.
Step 2- Analysis
Discussing the findings of the analysis in conjunction with your goals and risk tolerance to determine a plan of action for your investments.
Total Tax 365
Total Tax 365 is our full spectrum of year-round, active tax management solutions, tailored to help you minimize tax drag in your portfolio.
Step 3- Strategy
Building a custom-made portfolio and provide you education of investment strategy and products.
Step 4- Continual Strategy Check Ins
Checking-in with you frequently to offer account updates and current firm articles and research.
Intelligent Withdrawals
Intelligent Withdrawal gives us the ability to look across multiple accounts and products to identify the right combination of securities and tax lots to sell so you can help meet spending needs while making the most out of your hard-earned money.
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Composing your annual performance report and discuss past and current goals to adjust the portfolio accordingly.
Morgan Stanley Impact Quotient
The Morgan Stanley Impact Quotient™ application gives our clients new customizable insights into the social and environmental impact of their investment portfolios.
VALUABLE TOOLS AND RESOURCES
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources, which provide some helpful perspectives on the economy, capital markets, and Morgan Stanley.
Morgan Stanley Online (MSO)
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity. Features include paperless documents, bill pay and secure account management.
Thoughts on the Markets Podcast
With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Total Wealth View
With this service, you can view all your investments together – whether they are held at Morgan Stanley or elsewhere. When you add your external 401(k), as well as your checking, savings and brokerage accounts to this portal, all your assets will be in one place, providing a current and comprehensive view of your wealth.
GIC On the Markets
GIC On the Markets The latest edition of "On the Markets," a monthly collection of the most timely research and strategy from Morgan Stanley & Co., Morgan Stanley Wealth Management and external partners.
Digital Vault
The Digital Vault on Morgan Stanley Online allows you to build a centralized document library where all documents are stored using encryption.
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Morgan Stanley Ideas
Read our perspective on what's shaping the world today, and tomorrow. We cover topics ranging from health care, sustainability, macroeconomics and technology.
PROTECTING YOUR ONLINE SECURITY
Your security is our top priority. Morgan Stanley proactively defends our systems and monitors our digital landscapes to anticipate issues before they arise and respond appropriately when they do.
The firm is actively supporting multiple layers of security. Security includes the following; Strong encryption protocols designed to protect your data, continuous monitoring to help detect and prevent fraudulent activity in your accounts, routine testing of our systems to identify potential vulnerabilities, and independent reviews by outside security firms to penetration test our applications and evaluate our processes.
Cybersecurity Best Practices
- Safeguarding your personal information is one of our highest priorities. While many of us continue to work from home we find ourselves utilizing technology more now than ever. For some tips and tricks that can help you be more secure check out our cybersecurity center.
Security Features and Proactive Defense
- Multi-Factor Authentication (MFA)
- Alerts and Notifications
- Automatic Session Time Out
- VoiceID
- Fraud Detection and Prevention
- Digital Tools
- Cybersecurity Fusion Centers
- Threat Landscape Monitoring
- Employee Training and Testing
Client Service Team
Christine Gallo - Registered Senior Client Service Associate
Phone:
(610) 892-4413(610) 892-4413
Email:christine.gallo@morganstanley.com
Christine Gallo serves as a Senior Registered Client Service Associate with Morgan Stanley Wealth Management and is a member of Chris Rall’s team. Her primary responsibility is to handle the day-to-day operational and administrative responsibilities. She is committed to providing outstanding customer service and does so through her attention to detail. She holds the Series 7, Series 63, Series 65 and PA Life/Health Accident Insurance licenses.
She has been in the industry for over 20 years. Prior to joining Morgan Stanley, Christine worked at TIAA as a Registered Client Service Associate and has held various roles within brokerage operations and relationship management with firms such as Vanguard, BlackRock and J.P. Morgan.
Outside the office, Christine lives in Media, PA. In her free time, she enjoys volunteering and spending time with friends and family.
She has been in the industry for over 20 years. Prior to joining Morgan Stanley, Christine worked at TIAA as a Registered Client Service Associate and has held various roles within brokerage operations and relationship management with firms such as Vanguard, BlackRock and J.P. Morgan.
Outside the office, Christine lives in Media, PA. In her free time, she enjoys volunteering and spending time with friends and family.
Location
3803 West Chester Pike
Ste 200
Newtown Square, PA 19073
US
Direct:
(610) 430-1914(610) 430-1914
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 Danny O'Brien
Danny O’Brien is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Pennsylvania and New Jersey.
Associate Private Bankers partner with Private Bankers and 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.
Danny began his career in financial services in 2021 and joined Morgan Stanley in 2024 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Banker at JP Morgan Chase.
Danny is a graduate of the West Chester University of Pennsylvania, where he received a Bachelors in Finance. He lives in Philadelphia, Pennsylvania. Outside of the office, Danny enjoys traveling and supporting Philadelphia sports teams.
Associate Private Bankers partner with Private Bankers and 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.
Danny began his career in financial services in 2021 and joined Morgan Stanley in 2024 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Banker at JP Morgan Chase.
Danny is a graduate of the West Chester University of Pennsylvania, where he received a Bachelors in Finance. He lives in Philadelphia, Pennsylvania. Outside of the office, Danny enjoys traveling and supporting Philadelphia sports teams.
NMLS#: 2504068
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
Global Investment Office
Portfolio Insights
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 Hayden DuPont today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan Stanley 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.
5Morgan 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
6Morgan 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
9Morgan 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.
10Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
11When 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.
12When 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.
13Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
14Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Morgan 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.
16Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley does not assist with buying or selling art in any way and merely provides information to clients interested learning more about the different types of art markets at a high level. Any client interested in buying or selling art should consult with their own independent art advisor.
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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:
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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.
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*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan Stanley 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.
5Morgan 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
6Morgan 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
9Morgan 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.
10Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
11When 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.
12When 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.
13Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
14Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Morgan 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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
