Supriya A. Jagnanan
Private Banker
Irene Liu (劉艾玲）
Financial Advisor,
Portfolio Manager,
International Client Advisor,
Alternative Investments Director
Direct:
(212) 296-0238(212) 296-0238
My Mission Statement
Understanding the unique needs of high net worth individuals with cross-border holdings and multi-national family ties and helping them prosecute a comprehensive plan, always with their best interest in mind.
About Me
At Wharton Business School, in my Game Theory class, I learned about the Agency Problem, where there is conflict of interest inherent in any relationship when one party is expected to act in another's best interests. Unfortunately, this problem exists in many relationships not because of any malintent, but because of over-reliance on marketing teams and lack of true understanding of the risks and trade-offs.
For families with significant wealth, it's even more important to seek out advisors who will act in the family's best interest. I follow a disciplined process when I filter investments for my clients as I believe that trust is earned over a long period of time.
I am an International Client Advisor and Portfolio Manager with Morgan Stanley in Manhattan, New York. Before I became an Advisor, I worked on the institutional side in Sales, Marketing, and Structuring. My experiences through the 1998 Asian flu/LTCM bankruptcy, bursting of the 2000 dot com bubble, 9/11, recession of 2004, the Great Financial crisis of 2008, European Credit crisis 2011, and COVID 2020 have shaped my investment philosophy about how important it is to formulate a macroeconomic view and to be aware of the cycles in equities and fixed income markets. I honed a disciplined process managing investments and lending for high net worth executives/founders and their families with a razor focus on risk, sharpened by over two decades of experience in both the capital and derivatives markets. I also work closely with estate and trust advisors with specific cross border experience to facilitate structures for multi-generational wealth transfer and other client goals.
I immigrated from Taiwan when I was eight and truly understand the challenges of first generation immigrants between establishing ourselves to dealings with parents who don't understand US culture, investments or taxes. Fluent in mandarin, I work closely with first generation immigrant families whose patriarch or matriarch remain in China, Taiwan, or Hong Kong.
Prior to joining Morgan Stanley, I was a Director at BNP Paribas and Bear Stearns responsible for Structured Products Origination and Sales. My clients were regional broker/dealers and Financial Advisors.
Education
• The WHARTON SCHOOL, University of Pennsylvania Master of Business
Administration, Finance
• University of California, Berkeley Master of Science, Operations
Research
• University of California, Berkeley Bachelor of Science, Industrial Engineering & Operations Research
• Webb Schools of California
• Castilleja School
• Series 7, 63 & 65 Licensed
• CA, NJ, and NY Insurance Licensed
For families with significant wealth, it's even more important to seek out advisors who will act in the family's best interest. I follow a disciplined process when I filter investments for my clients as I believe that trust is earned over a long period of time.
I am an International Client Advisor and Portfolio Manager with Morgan Stanley in Manhattan, New York. Before I became an Advisor, I worked on the institutional side in Sales, Marketing, and Structuring. My experiences through the 1998 Asian flu/LTCM bankruptcy, bursting of the 2000 dot com bubble, 9/11, recession of 2004, the Great Financial crisis of 2008, European Credit crisis 2011, and COVID 2020 have shaped my investment philosophy about how important it is to formulate a macroeconomic view and to be aware of the cycles in equities and fixed income markets. I honed a disciplined process managing investments and lending for high net worth executives/founders and their families with a razor focus on risk, sharpened by over two decades of experience in both the capital and derivatives markets. I also work closely with estate and trust advisors with specific cross border experience to facilitate structures for multi-generational wealth transfer and other client goals.
I immigrated from Taiwan when I was eight and truly understand the challenges of first generation immigrants between establishing ourselves to dealings with parents who don't understand US culture, investments or taxes. Fluent in mandarin, I work closely with first generation immigrant families whose patriarch or matriarch remain in China, Taiwan, or Hong Kong.
Prior to joining Morgan Stanley, I was a Director at BNP Paribas and Bear Stearns responsible for Structured Products Origination and Sales. My clients were regional broker/dealers and Financial Advisors.
Education
• The WHARTON SCHOOL, University of Pennsylvania Master of Business
Administration, Finance
• University of California, Berkeley Master of Science, Operations
Research
• University of California, Berkeley Bachelor of Science, Industrial Engineering & Operations Research
• Webb Schools of California
• Castilleja School
• Series 7, 63 & 65 Licensed
• CA, NJ, and NY Insurance Licensed
Services Include
- Wealth ManagementFootnote1
- Executive Financial ServicesFootnote2
- Alternative InvestmentsFootnote3
- Estate Planning StrategiesFootnote4
- Financial PlanningFootnote5
- Life InsuranceFootnote6
- Trust AccountsFootnote7
- Retirement PlanningFootnote8
- Cash Management and Lending ProductsFootnote9
- Foreign ExchangeFootnote10
- Executive Benefit ServicesFootnote11
- Stock Plan ServicesFootnote12
Securities Agent: CA, TX, DE, MA, FL, SD, OH, CT, NH, NJ, PA, NY, VI, GA, WA, NV, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 1395620
NMLS#: 1395620
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Experience Beyond Borders
While I assist clients across the United States, I am also fortunate enough to work with successful high-net-worth executives and founders in China, Hong Kong, Taiwan, Singapore, and the United Kingdom who seek professional guidance to develop effective solutions for them and their families. My clients tend to face relatively complex financial challenges, driven both by shifting regulatory and market climates and by the nature of the significant wealth they have created. Serving as their dedicated advisor in the United States, my primary focus centers on comprehensive estate planning strategies and potentially maximizing after-tax returns across their investment portfolios.
I work closely with clients to structure sophisticated wealth transfer mechanisms that can minimize tax burdens while helping ensure their legacy goals are achieved. This includes developing tax-efficient investment strategies, implementing advanced estate planning techniques, and coordinating with tax professionals and estate attorneys to create integrated solutions.
My goal is to help clients not only address their immediate financial challenges and preserve the wealth they have created, but to optimize their after-tax investment performance and transfer their wealth efficiently to future generations through carefully crafted estate planning structures that account for both U.S. and international tax considerations.
Disclaimer:
Not all products and services are available in all jurisdictions or countries
I work closely with clients to structure sophisticated wealth transfer mechanisms that can minimize tax burdens while helping ensure their legacy goals are achieved. This includes developing tax-efficient investment strategies, implementing advanced estate planning techniques, and coordinating with tax professionals and estate attorneys to create integrated solutions.
My goal is to help clients not only address their immediate financial challenges and preserve the wealth they have created, but to optimize their after-tax investment performance and transfer their wealth efficiently to future generations through carefully crafted estate planning structures that account for both U.S. and international tax considerations.
Disclaimer:
Not all products and services are available in all jurisdictions or countries
Helping Maximize Your After-Tax Returns and Preserve Your Wealth
Through sophisticated planning techniques and close collaboration with tax professionals and estate attorneys, I help create integrated solutions that address both your current financial needs and long-term legacy goals. Whether you're dealing with complex domestic tax situations or navigating international considerations, my approach focuses on helping minimize tax burdens and ensure your wealth works as hard as you did to create it.
Morgan Stanley Total Tax 365 Brochure
Tax management that is integrated into your investment process 365 days a year can be an essential part of growing your wealth. That’s why we offer access to a broad range of tax solutions to help you maximize your after-tax wealth.
Learn MoreEstate Planning Essentials
Keep reading here for fresh insights on estate planning. See how Morgan Stanley experts can help you plan to protect your wealth and prepare for the future.
Learn moreEstate Planning Checklist for Clients
Navigating the ins and outs of estate planning can be overwhelming. Below is a resource that provides a high-level checklist which includes non-negotiable items you should consider and have in place.
Estate Planning Checklist5 Tax Savvy Ways to Give
Many of us prefer to combine our support for the causes and people we care about with a desire to save on taxes. Fortunately, there are strategies that may help us accomplish both. Whether you want to donate to charity or invest in a loved-one’s future, consider these tax‐smart ways to help make your giving go further.
Business Solutions For Your Peace of Mind
You've built something meaningful from the ground up. Now, as you look toward your next chapter—whether that's growth, transition, or succession—the financial decisions ahead are just as critical as the ones that got you here. I work with business owners to create clear strategies for both your company and personal wealth. From exit planning to tax optimization to protecting what you've built, I help you navigate the financial complexities so you can focus on what you do best. Check out the resources below to get started, or reach out to discuss your specific goals. Let's build a plan that works for your business and your life.
Succession Planning
Ownership of a business can represent years, sometimes decades of hard work and commitment. Nevertheless, business owners are often unfamiliar with the complexities and preparation that go into a successful succession strategy. Whether you're contemplating an IPO, merger with another company, private sale, or succession within the family I'm here to help you develop and execute a successful exit strategy.
Executive Services
You have meaningful goals. I can help you reach them. For over 85 years Morgan Stanley has worked with individuals, families, businesses, and institutions to deliver services and solutions that help build, preserve, and manage wealth.
Equity Compensation 101
When you own company equity, you become a shareholder in your company. Equity programs vary widely, so it's important to understand the details and how it fits into your financial plan.
Morgan Stanley at Work
Workplace financial solutions that help employees achieve their life goals. Our comprehensive offering spans Equity, Financial Wellness and Retirement solutions, plus Financial Empowerment, so your workforce can realize the full potential of their benefits.
International Wealth Management - Planning Brochure
Learn more
Investments for International Clients
Learn more
Wealth Planning Considerations in the People’s Republic of China (PRC)
Learn more
Wealth Planning Considerations in Taiwan
Learn more
US Pre-Immigration Planning
Learn more
Trusts for Families with Offshore Assets and Investments
Learn moreClient Service Team
Seth G. Lee - Client Service Associate
Phone:
(212) 230-3418(212) 230-3418
Email:seth.lee@morganstanley.com
Seth G. Lee graduated Cum Laude at Fordham University in May of 2024, receiving a Bachelor of Science in Finance with a Concentration in Value Investing. He joined Morgan Stanley full time in June of 2024 after interning with the firm throughout his final year in college.
In January of 2025 Seth obtained both his Series 7 and Series 66 licenses to become a Registered Client Service Associate and assists with a range of client service requests.
In January of 2025 Seth obtained both his Series 7 and Series 66 licenses to become a Registered Client Service Associate and assists with a range of client service requests.
Jacob Fadda - Client Service Associate
Phone:
(212) 603-6298(212) 603-6298
Email:Jacob.fadda@MorganStanley.com
Jacob Fadda graduated from Fairfield University in May of 2023, where he earned a Bachelor of Science degree in finance and a minor in business analytics. He joined Morgan Stanley full time as a Client Service Associate in March of 2025 eager to learn and contribute.
Location
55 East 52nd Street
6F
New York, NY 10055
US
Direct:
(212) 296-0238(212) 296-0238
Fax:
(212) 296-1074(212) 296-1074
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
Charlie Link
Associate Private Banker
Angelo Loumbas
Family Office Resource Generalist
About Supriya A. Jagnanan
Supriya Jagnanan is a Private Banker serving Morgan Stanley Wealth Management offices in New York.
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.
Supriya began her career in financial services in 1994 and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, she was a Senior Branch Manager at HSBC Bank. She also served as a Premier Sales Coach and a Senior Premier Relationship Manager at HSBC Bank.
Supriya lives in Forest Hills, New York with her family. Outside of the office, Supriya enjoys spending time with her family, cooking 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.
Supriya began her career in financial services in 1994 and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, she was a Senior Branch Manager at HSBC Bank. She also served as a Premier Sales Coach and a Senior Premier Relationship Manager at HSBC Bank.
Supriya lives in Forest Hills, New York with her family. Outside of the office, Supriya enjoys spending time with her family, cooking and traveling.
NMLS#: 470933
About Charlie Link
Charles Link is an Associate Private Banker serving Morgan Stanley Wealth Management offices in New York.
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.
Charles began his career in financial services in 2022 and joined Morgan Stanley in 2023 as a Financial Services Representative. Prior to joining the firm, he was an Associate Banker at JP Morgan Chase.
Charles is a graduate of the University of Utah, where he received a Bachelor of Science in Economics. He lives in New York City, New York. Outside of the office, Charles enjoys hunting, fishing, football, and
snowboarding.
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.
Charles began his career in financial services in 2022 and joined Morgan Stanley in 2023 as a Financial Services Representative. Prior to joining the firm, he was an Associate Banker at JP Morgan Chase.
Charles is a graduate of the University of Utah, where he received a Bachelor of Science in Economics. He lives in New York City, New York. Outside of the office, Charles enjoys hunting, fishing, football, and
snowboarding.
NMLS#: 2683051
About Angelo Loumbas
Angelo is the Family Office Resources Generalist in the Northeast Region. Angelo provides in depth knowledge to ultra-high net worth (UHNW) clients and Financial Advisors across a broad range of family wealth and family office management matters. His area of focus includes family governance, wealth education,, strategic estate and financial planning, philanthropy management, lifestyle advisory, and customized asset allocation and portfolio construction. Angelo has over 25 years’ experience advising wealthy families, business owners, and philanthropic organizations.
Originally from Chicago and now residing in Westchester County, New York, , Angelo practiced law for 15 years and represented UHNW clients, closely held businesses, and major philanthropic organizations. He is admitted to the Society of Trust and Estate Practitioners and has been asked to speak over the years before tax, trust and estate committees of estate planning councils and other organizations. Angelo has also contributed thought leadership through Morgan Stanley’s Family Legacy and Governance Institute leadership series and authored an article for Barrons.com, “Should I Invest in My Kid’s Start-Up? Financial Advisors Can Help Clients Decide” (2023).
Angelo has been advising UHNW clients in the financial services industry for over 17 years, with 13 of those years at Morgan Stanley in Chicago and New York. He earned his J.D. from Indiana University at Bloomington, his M.B.A. from the University of Notre Dame, and B.A. from DePaul University. He also holds his Series 7, 66 and 24 licenses. In addition, Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club (2009-2010).
Originally from Chicago and now residing in Westchester County, New York, , Angelo practiced law for 15 years and represented UHNW clients, closely held businesses, and major philanthropic organizations. He is admitted to the Society of Trust and Estate Practitioners and has been asked to speak over the years before tax, trust and estate committees of estate planning councils and other organizations. Angelo has also contributed thought leadership through Morgan Stanley’s Family Legacy and Governance Institute leadership series and authored an article for Barrons.com, “Should I Invest in My Kid’s Start-Up? Financial Advisors Can Help Clients Decide” (2023).
Angelo has been advising UHNW clients in the financial services industry for over 17 years, with 13 of those years at Morgan Stanley in Chicago and New York. He earned his J.D. from Indiana University at Bloomington, his M.B.A. from the University of Notre Dame, and B.A. from DePaul University. He also holds his Series 7, 66 and 24 licenses. In addition, Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club (2009-2010).
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
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.
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
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.
Wealth Management
From My Desk
Want to Keep More of Your Investment Returns? Consider These Tax Moves
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
How to Break the Ice Around Family Finances
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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
Building a Family Enterprise That Lasts
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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
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Irene Liu (劉艾玲） 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 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.
3Alternative 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.
4Morgan 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.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
8When 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.
9Morgan 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
10GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
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.
12Morgan 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.
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
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.
3Alternative 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.
4Morgan 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.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
8When 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.
9Morgan 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
10GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
