Adriana Sferle
Assistant Vice President, Business Development Associate
Phone:
(210) 277-4469(210) 277-4469
Ian Davis
Senior Vice President,
Financial Advisor,
Alternative Investments Director
Direct:
(210) 277-4422(210) 277-4422
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
About Us
Ian manages a multi-generational wealth management practice serving a select number of professionals, families and businesses. His goal is simple: to serve as your trusted advisor, through every stage of life so that you can look to the future with anticipation rather than apprehension.
Securities Agent: PA, IN, WA, TX, OK, NH, LA, CT, OH, MI, AL, NV, NJ, HI, AZ, NM, NC, MD, KS, DC, MS, IL, FL, NY, DE, VA, UT, SC, MN, CO, CA, WY, MT, GA, AK, VI, PR; General Securities Representative; Investment Advisor Representative
NMLS#: 2463339
NMLS#: 2463339
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
More About Ian
After attending Alleyn’s College in London, Ian began his career in financial services on the London International Financial Futures exchange, where he handled the execution of large institutional orders in equity and interest rate futures contracts for GNI Ltd. Discovering that portfolio management was his true passion, he moved to the United States and started his career as a financial advisor at Merrill Lynch in 2004. There, he focused on Modern Portfolio Theory, Asset allocation and Retirement Planning.
Ian joined Morgan Stanley in 2008, where he continues to hone his craft in building globally diversified portfolios. Over the years, he has earned a reputation for providing highly personalized advice and investment consulting services.
Ian joined Morgan Stanley in 2008, where he continues to hone his craft in building globally diversified portfolios. Over the years, he has earned a reputation for providing highly personalized advice and investment consulting services.
Ian's Process
Ian's goal is to be an essential advisor to his clients by bringing experience and a vast array of resources to the table to help them manage all aspects of their life. While each relationship is unique, his process is reflective of three core principles:
Collaborative Approach: Ian relies on an interactive wealth planning process that begins with listening. With a complete understanding of your current picture and future goals, the plan is to come up with and agree on a concise plan of action. It's very important to address your approach frequently, ensuring that the proper changes can be made or addressed.
Comprehensive Solutions: Ian's approach to investing is based on a clear philosophy, and is tied to your stated goals and financial plan. Working with your CPA and Attorney allows Ian and his team to conduct their best possible work.
Personal Attention: To be successful, it's imperative to establish strong forms of communication. It's Ian's goal to provide his clients with the attention they need for more than just their finances. He has an approach to service that demands the highest standards of accessibility, availability, and responsiveness for his clients.
Collaborative Approach: Ian relies on an interactive wealth planning process that begins with listening. With a complete understanding of your current picture and future goals, the plan is to come up with and agree on a concise plan of action. It's very important to address your approach frequently, ensuring that the proper changes can be made or addressed.
Comprehensive Solutions: Ian's approach to investing is based on a clear philosophy, and is tied to your stated goals and financial plan. Working with your CPA and Attorney allows Ian and his team to conduct their best possible work.
Personal Attention: To be successful, it's imperative to establish strong forms of communication. It's Ian's goal to provide his clients with the attention they need for more than just their finances. He has an approach to service that demands the highest standards of accessibility, availability, and responsiveness for his clients.
Current Events & News
Here at Morgan Stanley, we strive to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future. Ian is a firm believers of giving his clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
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.
Read HereThoughts on the Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen Here2023 Outlook: Business Travel Bounces Back
Corporate travel budgets are recovering to pre-COVID levels, our new survey finds. See where companies are spending in the year ahead.
Learn MoreInvesting in 2023
U.S. equities may disappoint in 2023, but patient investors can find potential income and returns in other markets. Chief Investment Officer, Lisa Shalett shares some of her thoughts on the market and what the typical investor should prepare for in the new year.
Learn MoreMorgan Stanley Investment Management
Check out valuable insights from various thought leaders at Morgan Stanley in our Investment Management Insights homepage.
Learn MoreOur Suite of Digital Tools
Morgan Stanley's suite of financial wealth management technology makes it easier for my clients to view and manage their finances. It allows for a more in-depth view of a client's finances, allowing me to provide more customized advice and better service so you can make better decisions.
Morgan Stanley Online and MS Mobile
Morgan Stanley Online (MSO) has a variety of features beyond simply viewing your account balance and activity. They include:
- eAuthorizations: Authorize transactions securely, with a single click on Morgan Stanley Online and the Morgan Stanley Mobile App.
- Manage everyday finances such as paying bills online, sending money or transferring funds.
- Access to Morgan Stanley's current market research, as well as our financial education center.
Morgan Stanley Online Registration- eAuthorizations: Authorize transactions securely, with a single click on Morgan Stanley Online and the Morgan Stanley Mobile App.
- Manage everyday finances such as paying bills online, sending money or transferring funds.
- Access to Morgan Stanley's current market research, as well as our financial education center.
Digital Vault
No more searching for vital financial documents. The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored using encryption, guarded by Morgan Stanley's industry-leading cyber-security tools and team.
Keeping important documents and financial records organized and readily available is one of the best gifts you can give to those you love. In the event of catastrophe or serious illness, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors.
Learn MoreKeeping important documents and financial records organized and readily available is one of the best gifts you can give to those you love. In the event of catastrophe or serious illness, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors.
Spending + Budgeting Tool
Efficiently track spending habits, easily categorize various expenses and create budgets across all of your accounts from both Morgan Stanley and other financial institutions. By sharing this information with me, I can help you align your daily spending to your long-term goals.
More Information on the Spending + Budgeting Tool
Total Wealth View
Total Wealth View allows you to link your financial information from other accounts at other institutions directly to your Morgan Stanley Online or Mobile App profile.
The ability to view all your assets in one place allows me to deliver advice based on your entire financial picture, rather than just based on the piece here at Morgan Stanley.
Learn MoreThe ability to view all your assets in one place allows me to deliver advice based on your entire financial picture, rather than just based on the piece here at Morgan Stanley.
eDelivery
An average of 7 people touch your paper mail on its way to your mailbox. Our secure eDelivery protects your personal information from falling into the wrong hands, allowing me to provide you with a faster response, more securely.
LifeView®
With LifeView®, we'll define a portfolio that gets you to, and lasts you through, your retirement years. We'll create a financial framework to make sure we're on track in both phases of your retirement.
You'll Benefit From:
- A plan designed to achieve your goals, tailored to your specific risk preferences and circumstances
- Comprehensive monitoring
- Adjustments made for changes in the market
You'll Benefit From:
- A plan designed to achieve your goals, tailored to your specific risk preferences and circumstances
- Comprehensive monitoring
- Adjustments made for changes in the market
Specializations
We leverage our unique position and our affiliates to source innovative strategies from among the most knowledgeable investment minds in the business, Employing rigorous due diligence to identify, evaluate and select each alternative investment product on our platform, we work to identify the managers that we believe are highly qualified to help our clients meet their objectives. Your choices will depend on your goals, objectives, and risk tolerance. Take a look at some of my services below, as well as our Alternative Investments Homepage.
Private Credit
Exchange Funds
1031 Exchanges
Private Real Estate
Private Equity
Private Placements, Variable Annuities, & Life Insurance
Estate Planning
Professional Portfolio Management
Alternative Investments
Cash Management
Retirement Services
Location
7600 Broadway
Ste 100
San Antonio, TX 78209
US
Direct:
(210) 277-4422(210) 277-4422
Meet My Team
Jeff Bowers
Senior Registered Associate
Phone:
(210) 277-4419(210) 277-4419
Debra Fryatt
Senior Client Service Associate
Phone:
(210) 277-4446(210) 277-4446
About Adriana Sferle
Adriana is a Wealth Management Associate with The Double Pendulum Wealth Management Group and I've been with the team since 2007. In 2008, I graduated from The University of Texas at San Antonio with a degree in management with an international business concentration. I earned my certification in the Essentials of Investment Consulting through the Investment Management Consultant's Association in 2012. I handle preliminary investment advisor research, performance reporting, and analytical tasks for the team. I hold the following licenses: Series 7, 65 and 63.
I am a native of Romania where my family still resides today. I became a United States citizen in 2011 and am fluent in multiple languages: primarily Romanian and English. Away from work, I enjoy volunteering in the community and spending time with my husband John and our three children - Sebastian, Gabriela and Oliver.
I am a native of Romania where my family still resides today. I became a United States citizen in 2011 and am fluent in multiple languages: primarily Romanian and English. Away from work, I enjoy volunteering in the community and spending time with my husband John and our three children - Sebastian, Gabriela and Oliver.
About Jeff Bowers
Scott is a Senior Registered Associate with Hunter Stanco Group and have been with the team since February, 2021. I joined after working 5 years as a senior investment professional with J.P. Morgan here in the San Antonio area. I hold licenses for the Series 7 and 66. My role is primarily focused on handling day-to-day operations. I also work closely with Third Party Administrators in servicing our qualified retirement plans.
I was born and raised in Houston, TX and attended college at the University of Oklahoma to study Energy Management and Finance. I moved to San Antonio in 2016 after graduation and started my career in finance. I have a lovely wife named Jaclyn and a basset hound mix named Lucy. Some of our hobbies include golfing, camping, and hiking. We also love cheering on our favorite sports teams including our local San Antonio FC soccer team.
I was born and raised in Houston, TX and attended college at the University of Oklahoma to study Energy Management and Finance. I moved to San Antonio in 2016 after graduation and started my career in finance. I have a lovely wife named Jaclyn and a basset hound mix named Lucy. Some of our hobbies include golfing, camping, and hiking. We also love cheering on our favorite sports teams including our local San Antonio FC soccer team.
About Debra Fryatt
Drawing on nearly 30 years of experience in the financial services industry, Debra provides a wide range of administrative support services for Ian's clients. Her many responsibilities include account opening, fund transfers, retirement distributions, performance reporting and general account maintenance. She is always available to answer client's questions and assist them in a wide range of services from statement queries to online account access. Being fully licensed, Debra is also able to help clients with trades, when Ian is unavailable.
Highly adept at handling a broad range of responsibilities quickly and professionally, Debra enjoys providing what Ian calls white glove service to every client. Working with investors since 1986, Debra not only knows how to meet their specific needs, she knows how to anticipate them as well.
Born in the U.S. and raised in England, Debra journeyed to California in 1981, where she began attending San Francisco City College. She moved to San Antonio in 1985 and soon after, started her financial services career with Dean Witter. Over the years, she has worked at several nationally-recognized firms, including Smith Barney and Wells Fargo. She returned to the Morgan Stanley family in 2011 and began working immediately with Ian. Debra currently holds the Series 3, 7, 63 and 65 licenses.
Highly adept at handling a broad range of responsibilities quickly and professionally, Debra enjoys providing what Ian calls white glove service to every client. Working with investors since 1986, Debra not only knows how to meet their specific needs, she knows how to anticipate them as well.
Born in the U.S. and raised in England, Debra journeyed to California in 1981, where she began attending San Francisco City College. She moved to San Antonio in 1985 and soon after, started her financial services career with Dean Witter. Over the years, she has worked at several nationally-recognized firms, including Smith Barney and Wells Fargo. She returned to the Morgan Stanley family in 2011 and began working immediately with Ian. Debra currently holds the Series 3, 7, 63 and 65 licenses.
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 Ian Davis today.
1Morgan 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
2Alternative 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.
3Morgan 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Investing 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Investors 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.
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.
Awards Disclosures | Morgan Stanley
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
2Alternative 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.
3Morgan 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Investing 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Investors 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.
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.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
