Jack Patrina | New York, NY | Morgan Stanley Wealth Management

MEET JACK

Jack is a Financial Advisor with The Metro Bay Group at Morgan Stanley. He works primarily with current and former senior employees and executives of private and public technology companies, helping them navigate the complexity of equity compensation, concentrated equity positions, and liquidity events.

Jack focuses on comprehensive family wealth planning and asset allocation. He works with clients to develop tax-aware strategies and implement solutions designed to support long-term financial goals.

In 2023, Jack earned the Chartered Alternative Investment Analyst (CAIA) designation, further strengthening his ability to evaluate and incorporate alternative investments where appropriate. He also holds the Series 7 and Series 66 registrations, as well as Life, Accident & Health insurance licenses.

Prior to Morgan Stanley, Jack spent two years at Paul McCoy Family Office Services in Boston, providing operational support and financial strategy for ultra-high net worth families. He earned his B.A. in Economics and Finance from Boston College.

Jack grew up in northern Connecticut and now lives in Manhattan, and he frequently travels to the West Coast to meet with clients. Outside of work, Jack volunteers with Best Buddies of New York and Big Brothers Big Sisters of New York. He enjoys playing basketball, golfing, skiing, and training in Brazilian Jiu-Jitsu.

Services Include

Wealth Management^Footnote1
Financial Planning^Footnote2
Stock Plan Services^Footnote3
Stock Option Plans^Footnote4
Alternative Investments^Footnote5
Professional Portfolio Management^Footnote6
Cash Management and Lending Products^Footnote7
Retirement Planning^Footnote8
401(k) Rollovers
Planning for Education Funding^Footnote9
Estate Planning Strategies^Footnote10
Trust Services^Footnote11
Life Insurance^Footnote12
Long-term Care Insurance^Footnote13
Annuities^Footnote14
Syndicate^Footnote15
Fixed Income^Footnote16
Certificates of Deposit^Footnote17

Securities Agent: DE, MA, NJ, NE, KS, CO, VT, TN, NC, DC, CA, VA, PA, OR, HI, UT, MN, MI, ID, IA, GA, CT, WI, NH, MD, AZ, OH, IL, FL, AL, SC, RI, OK, MT, ME, IN, WY, WV, TX, NM, AR, KY, WA, SD, NY, NV, ND, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 2442938
CA Insurance License #: 4260544

Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Your Guide to Life & Money

Navigate life milestones with confidence.

How much of your savings should you be investing? Should you share your finances with a significant other? How do you know when you're ready to buy a home, or start a business? If you're wrestling with some of these questions, the Playbook: Your Guide to Life & Money may have the answers you're looking for.

The "Playbook: Your Guide to Life & Money" is a content series focused on providing highly actionable insights and advice that covers 10 major life milestones. Filled with articles, checklists, interviews, and helpful tips, the Playbook aims to empower you with the knowledge and tools needed to help achieve your goals: whether it's buying a home, starting a family, pursuing a passion, or giving back.

Money is often considered a taboo topic, but it shouldn't be. When managed intelligently, wealth can be a powerful tool for impact. We created the Playbook as a resource to help you navigate the road ahead and explore new horizons with confidence.

To learn more about the Playbook and other resources available to help you navigate various life milestones, please reach out to our team.

Saving is not just about retirement. It's about creating a plan to help finance your dreams–big ones like selling your home and retiring on a yacht in the South of France, but also shorter-term aspirations like adopting a pet or buying your first car. Regardless of your age, retire the notion that it is still too early to save, and start saving early so you will have the freedom to enjoy your future in style.

Winning Plays for Saving While You're Young

The answer to this question is complicated, and it can vary based on the family or couple involved. Before making such an impactful decision, however, it's important to be armed with all facts. We talked to Glenn Kurlander, Head, Family Governance, Wealth Education at Morgan Stanley Wealth Management and family wealth expert, to help inform you on this delicate matter.

To Prenup, or Not to Prenup?

How the power of time can help savvy young investors grow an impressive portfolio.

The Millennial & Gen Z Guide to a Sweet Retirement

Whether you’re applying for a mortgage, purchasing car insurance, or signing up with a new Internet provider, you will inevitably be asked about your credit. Understanding how this number is calculated and how to establish a healthy credit score early on in life can help increase your financial freedom and purchasing power in the future.

Credit 101: Using Credit Wisely

What We Offer

Morgan Stanley Workplace Advisor - Equity Compensation are financial advisors who receive rigorous training and education on company specific plans to service their clients’ needs. These designated advisors can help you determine how your equity compensation fits into your overall goals and financial strategy. Our team focuses on:

- Educating recipients of equity awards on their value and tax qualities

- Developing custom strategies to integrate equity compensation into broader financial plan

- Working with other advisors (ex. Accountant/CPA) to create option exercise strategies in order to help achieve lower tax rates on sales and avoid AMT tax

- Executing strategies in an effort to maximize the value of employer stock grants and employee stock purchase plans

Review the links below to learn more:

Equity Compensation 101

Restricted Stock Units (RSUs)

Stock Options

Employee Stock Purchase Plans (ESPPs)

Managing a Concentrated Position with an Exchange Fund

WORKPLACE FINANCIAL BENEFITS WITH MORGAN STANLEY AT WORK

Our mission is to help your company elevate your workplace financial benefits—helping you to attract and retain top talent. Our end-to-end solutions support your company and employees at any stage of growth through a powerful combination of modern technology, insightful guidance, and dedicated service.

Equity Solutions

Equity ownership is a powerful motivator. Streamline equity management through our leading-edge technology and provide global audit-ready reporting and insights, alongside customizable participant experiences to engage and educate your employees on how to make the most of their benefits. Our global solutions support private and public companies at any stage of growth.

• Equity Administration and Financial Reporting
• Liquidity Events
• 409A Valuation Services and Cap Table Management

Learn more

Retirement

For your employees, retirement is more than a date in the future—it's a milestone that takes time, hard work, and the right tools. Through our consultative process, we strive to assist with the management of your fiduciary responsibilities and risk, simplify plan management, and help you improve retirement readiness for your employees.

• Defined Contribution Consulting
• Solutions-Oriented Plans
• Fiduciary Investment Oversight

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Deferred Compensation

Access a range of Nonqualified Deferred Compensation plan services or pick the ones that best fit your needs. We provide recordkeeping and plan design, portfolio construction services, and plan education for your executive talent. We help you determine the appropriate plan design and inform a funding strategy through a needs-based assessment and consultative approach.

Services include:

Recordkeeping and Plan Design
Portfolio Construction
Wealth Management Services

Learn more

Executive Services

Our dedicated team provides concierge-level support for your executives' equity compensation plans, from 10b5-1 trading plans to form filing related to Rule 144 transactions, to access to wealth management and tax-optimization strategies, so helping them navigate their complex financial needs with greater confidence and certainty:

Equity Compensation Services
Equity Award Analysis
Specialized Solutions

Learn more

Saving and Giving

Saving and Giving benefits can make a real difference in your employees' lives as they can support the things that matter most to them—like saving for education and repaying student loans. Show that you are committed to your employees' priorities with leading-edge solutions that help them chart a path toward financial well-being.

College Savings
Student Loan Repayment and Refinancing
Charitable Giving

Learn more

Financial Wellness

We offer Financial Wellness with every solution we provide. Through a powerful combination of education, digital tools and guidance, Financial Wellness is designed to address the unique needs of your employees and empower their financial journey at every stage. Give your employees the confidence to take charge of their finances.

• Financial Education
• Digital Tools
• Financial Guidance

Learn more

Location

399 Park Ave 12th

New York

Registered Client Service Associate

Phone:

(212) 883-8587(212) 883-8587

View My Bio

About Alma Guimarin

Alma Guimarin is a Managing Director with over 35 years of experience on Wall Street. She is the founding member of The Metro Bay Group which has grown to an eleven person, bi-coastal team, focused on creating customized wealth management solutions for clients all over the world.

Alma is a financial problem solver and believes strongly in the power of financial literacy and planning. Her goal is for all her clients to catch a vision of what investing can do for them and their families.

Originally from the Netherlands, Alma grew up in Asia before attending Syracuse University where she earned a high honors degree in Economics. Following graduation, she moved to Luxembourg to work in the airlines business, allowing her to travel the world and gain international business experience.

To pursue her passion for financial planning, Alma moved back to the US in 1986, before embarking on her career at Shearson Lehman Brothers (now Morgan Stanley). She has been a dedicated member of Morgan Stanley and its predecessors approaching her 38th anniversary with the Firm.

One of Alma’s beliefs is to never stop learning - she has obtained multiple professional designations over her career such as the Certified Financial Planner™ (CFP^®), Chartered Investment Management Advisor (CIMA^®), Certified Private Wealth Advisor (CPWA^®), Certified Equity Plan Advisor (CEPA^®) and Family Wealth Director.

Alma now splits her time between San Jose, California and New York, with offices in both locations. When she’s not working, she enjoys cooking, reading, practicing yoga, and downhill skiing with her family.

Securities Agent: CO, DE, WA, FL, WI, TX, NJ, MN, KS, VA, OR, OH, NV, NH, IN, IL, WV, GA, CT, AL, VT, PA, ND, MO, ID, DC, UT, SC, RI, NY, NM, MI, KY, CA, AR, TN, NC, WY, SD, MT, ME, MA, AZ, MD, HI; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
CA Insurance License #: 0A43259

About Mary Agnes Pan

Mary Agnes Pan is a 50-year Wall Street veteran with experience in Corporate, Commercial, Investment and Private Banking. She is currently a Managing Director at Morgan Stanley with The Metro Bay Group focusing on wealth management and financial planning strategies for high-net-worth individuals and families.

Mary started her career at Citibank in 1974 as a Corporate Banker and in 1979 became Head of the Commercial Banking Unit. She later joined Bankers Trust as Head of the World Corporate Department in Hong Kong serving multinational companies with operations in Asia.

In 1983, Mary joined Bank of America in Palo Alto focusing on lending for the high-tech industry in Silicon Valley. Mary and her family later moved to New Jersey where she spent a few years in Midlantic National Bank working on Mergers & Acquisition before rejoining Citibank's Private Bank to focus on custom lending strategies for high-net-worth clients.

In the early 90’s, Mary joined Republic National Bank and was instrumental in building the Private Banking Group into a major player in the private banking industry. Republic National Bank was later acquired by HSBC and Mary became the head of the Asia Client Group where she built a multi-billion portfolio.

In 2011, she rejoined Citi Private Bank to provide intricate strategies to ultra-high-net-worth families in investments, foreign exchange, capital markets and leveraged transactions.

She and her husband, Henry, have been active supporters of the 1990 Institute Spring Bud Program for last 15 years. This program has provided financial aid to over 1,000 underprivileged girls in Shaanxi Province, China helping them complete middle, high school and college degrees. Today, many are successful educators, doctors, lawyers, architects, pharmacists and engineers among other professionals.

Mary has also been on the board for Charles B. Wang Community Health Center for over 10 years and supported them in their expansion across New York. She and her husband now reside in Midtown Manhattan and enjoy spending time with family.

Securities Agent: ME, MS, NV, OR, SC, UT, WA, FL, KY, WY, WV, WI, VT, VI, VA, TX, TN, SD, RI, PR, PA, OK, OH, NY, NM, NJ, NH, NE, ND, NC, MT, MO, MN, MI, MD, MA, LA, KS, IN, IL, ID, IA, HI, GA, DE, DC, CT, CO, CA, AZ, AR, AL, AK; General Securities Representative; Investment Advisor Representative

About Trevor Shephard

Trevor joined Morgan Stanley in June of 2015 and is an integral part of The Metro Bay Group. With his passion for financial planning, Trevor focuses on helping clients realize their financial goals through well thought out planning and guided decision making. Trevor’s goal is to help clients make correct financial decisions over time that will compound on themselves.

Clients enjoy working with Trevor because he is known for being generous with his time and making himself accessible when needed. He has a calm and patient demeanor that welcomes questions when clients desire more understanding of financial principles. While working with families, Trevor is happy to educate and include all members, especially maturing children of clients.

Trevor believes his continuing education and building of financial knowledge is one of the largest responsibilities he owes to his clients. Trevor has his Certified Financial Planner and Certified Investment Management Analyst designations, he also is a Chartered Alternative Investment Analyst. He earned a Bachelor’s degree from Boise State University, double majoring in Finance and Accounting.

Trevor enjoys the outdoors and can be found during his free time skiing in the Sierras, or mountain biking the Santa Cruz Mountains or hills of Almaden Valley. Trevor moved to Silicon Valley in 2013 to be with his then fiancée, now wife, Laurel. They live together with their two young kids, Everett and Aletta, and Golden doodle, Penny in Almaden Valley San Jose, California.

Securities Agent: KY, IL, VT, MD, IN, FL, WI, SD, NV, NJ, ME, AZ, WY, WV, PA, NY, NM, ND, CA, VA, SC, NC, DC, OH, MO, DE, CT, UT, GA, MA, HI, AL, TN, MT, MI, ID, CO, TX, NH, KS, AR, WA, RI, OR, MN; General Securities Representative; Investment Advisor Representative
CA Insurance License #: 0K59208

About Kevin Tan

Kevin joined The Metro Bay Group at Morgan Stanley in August of 2017. He comes to us as a financial advisor with multiple years of experience in fixed income and equity analysis. In his prior role, he worked as the lead trader on his team to help construct and monitor client portfolios. His strengths include customizing wealth management investment solutions through constructive communication and balanced strategic planning.

He is able to identify services and solutions through a tailored financial plan providing thoughtful action to the needs and wants of his clients. Because of his background in fixed income and portfolio analytics, he is well versed and passionate about helping others.

Kevin has an unwavering work ethic, and is a natural high achiever and goal setter. These traits enabled him to win an Olympic bronze medal in Men’s Gymnastics while he represented the United States at the 2008 Olympic Games in Beijing. Kevin is a graduate of The Pennsylvania State University with a degree in Finance and minor in Economics. He currently lives in Fremont with his wife and two young children.

Securities Agent: OR, ID, NY, ME, KS, CO, CA, UT, MA, HI, TN, RI, NV, MD, AZ, NC, IN, WV, TX, NM, ND, KY, GA, FL, AL, WA, NJ, MO, DC, CT, WY, VA, PA, OH, MT, AR, SC, MI, IL, WI, VT, NH, MN, DE, SD; General Securities Representative; Investment Advisor Representative
CA Insurance License #: 0M03028

About Ara Talkov

Ara is a First Vice President and Financial Advisor with The Metro Bay Group at Morgan Stanley. She focuses on creating customized wealth management strategies for founders, technology & media professionals, athletes and business executives.

As an Executive Financial Services Director and Workplace Advisor - Equity Compensation, she utilizes her knowledge surrounding the intricacies of stock options to help her clients put together a plan to help reach their financial goals. She earned her bachelor’s degree at Columbia University where she was a two-year captain for the Division I Women’s Basketball team. She utilizes her experience as an athlete in her role as a Global Sports & Entertainment Associate Director to help other athletes and sports business professionals execute on both their personal and business financial plans.

Ara is the Founder and Co-Chair of Morgan Stanley’s EDGE Committee – a Diversity & Inclusion initiative sought to achieve Excellence in Diversity through Growth and Empowerment for early-stage Financial Advisors. She is also the Co-Chair of the College Leadership committee for Women in Wealth: LIFT, an advocacy and business development network of Morgan Stanley women from the Northeast Region dedicated to supporting peers seek to achieve business success and realize meaningful connections with their clients.

In 2022, Ara was recognized as a Morgan Stanley MAKER – an initiative dedicated to celebrating men and women who are groundbreakers, innovators, and champions of women’s achievement. She was the youngest woman to be named a MAKER at Morgan Stanley since the program’s inception in 2014.

Outside of Morgan Stanley, she serves on the NYC Young Professionals Board for Team IMPACT, a national non-profit that connects children with chronic and terminal diseases to college sports teams. She is the Vice President of the Columbia University Athletics Finance Society and is involved in the Women’s Sports Foundation. Ara is also a Founding Member of The Post – a private leadership community formed to accelerate athletes' potential by providing world-class resources, networking, and executive coaching designed to tap into their skills and mindset.

Ara grew up on the North Shore of Boston and now lives in Manhattan. She enjoys basketball, skiing, and trying new restaurants.

Securities Agent: WY, DE, SD, KS, CA, AL, WV, UT, IL, TN, OH, MO, AZ, PA, NC, IN, ID, VA, MN, ME, CT, AR, WI, MT, KY, FL, CO, RI, VT, NM, NJ, MI, MD, GA, WA, OR, HI, TX, SC, NY, NV, NH, DC, ND, MA; General Securities Representative; Investment Advisor Representative
CA Insurance License #: 4017208

About Laurie Heinly

Laurie joined Morgan Stanley thru predecessor firms in 1997, beginning her career as an Operations Manager. She joined what is now The Metro Bay Group in 2009 as Group Director. As Group Director, Laurie is responsible for day-to-day team operation functions. Her experience has contributed greatly to her depth and breadth of knowledge involving such matters as client transactions, client history, account and systems issues, as well as a wide range of nuances indigenous to the industry.

Laurie also serves as the point of contact for clients who are Professional Fiduciaries providing exceptional client service for dozens of their clients. She is adept at quickly developing trusting relationships with the Fiduciaries and their staff due to her attention to detail and familiarity with firm procedures and trust document requirements. Her expeditious attention to a wide range of issues important to the Fiduciaries makes her a valuable asset to everyone involved. Laurie currently holds the Series 7, 8, 63, 65 licenses and her Life and Health insurance designations. She has a B.S. in Business Administration with a concentration in finance from California State University, Fresno. Laurie and her husband, Ken, have two sons, Andrew and Zachary.

CA Insurance License #: 0H36226

About Scott Anderson

Scott joined Morgan Stanley thru predecessor firms in 1999. As a Portfolio Associate, his primary responsibilities include opening and maintaining client accounts, asset/cash transfers, enrolling clients in online access and various other administrative functions.

Scott is a graduate of California State University, Sacramento with a B.A. in Mathematics. Additionally, he holds the Series 7 and 66 designations. Scott enjoys watching a multitude of sports and has a newfound interest in international travel.

About Jacqueline Lane

Jacqueline Lane joined Morgan Stanley in 2024 as an Assistant Vice President, Wealth Management Associate. Jacqueline is responsible for a multitude of team operations for our clients coast to coast. Jacqueline cultivates and enhances new and existing client relationships through active communication with clients, preparation of client reports, and providing general guidance.

Prior to joining Morgan Stanley, Jacqueline spent 10 years at Merrill Lynch. Most recently, Jacqueline was a Business Enablement Specialist, responsible for working with senior leadership to develop recommendations for improving the overall experience for both Financial Advisors and clients. In addition, Jacqueline was also responsible for identifying key risk trends and handling client resolutions.

Prior to her most recent experience, Jacqueline was the Senior Market Supervision Manager’s Assistant, where she was responsible for supporting all functions related risk, legal, and compliance items.

Jacqueline graduated from Fordham University, where she earned a degree in Business Administration, with concentrations in finance and marketing. She holds both her Series 7 and Series 66 licenses.

Originally from Long Island, NY, Jacqueline now resides in Hoboken, NJ, where she enjoys traveling, reading, and spending time with friends & family.

About Riley Marshall

As a Registered Client Service Associate for The Metro Bay Group, Riley is responsible for a multitude of team operations for New York and California based clients. He assists with scheduling meetings, creates and sends performance reports to clients, and brings an energetic attitude and positive demeanor to the team.

Riley started his career with Morgan Stanley as an intern in Seattle, WA in 2022. He graduated from the University of Washington in an accelerated program with a Bachelor of Science in Economics and a minor in History. After receiving a Certificate in Quantitative Managerial Economics, Riley ventured off to Dallas, Texas for 6 months to become the #1 ranked salesman in AT&T’s B2B Sales Development Program.

Once the program was complete, Riley moved to San Jose, CA to join the Guimarin Shephard Tan Group and hit the ground running, completing all three Exams to become registered in a record 3 months and 3 days. These Exams include the SIE, Series 7, and Series 66, which enabled him to begin working on tasks that were more instrumental to the team.

Outside of work, Riley enjoys continuing his 14 years of tap dance education as both a student and teacher. Riley is a board member for the National Dance Education Organization as well as an Eagle Scout. He enjoys solving Rubik’s cubes, practicing advanced yo-yo tricks, and competing in video game tournaments.

About Jonathan Zhang

Jonathan joined The Metro Bay Group in June 2024. He is responsible for a multitude of team operations, enhancing our client experience through active communication, essential back-office operations, and providing general guidance.

Jonathan earned a master's degree in Business Analytics from Columbia University in 2024. He also holds undergraduate degrees from Emory University and the Georgia Institute of Technology with dual degrees in Economics and Mathematics, and Mechanical Engineering.

Before joining Morgan Stanley, Jonathan gained valuable experience through various summer analyst positions at startup companies and banks. He holds the Series 7 and 66 designations.

Originally from Seattle, Washington, Jonathan now resides in Long Island City, NY. Outside of work, he enjoys tennis, skiing, and spending time with family and friends.

Wealth Management

Global Investment Office

Portfolio Insights

Read "On the Markets"

Equity Compensation

Helping you make the most of your equity awards and better understand how it may fit into your your larger financial picture – today and tomorrow.

Vesting events
Option expirations
Restricted stock units
Tax implications

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

Learn More

A Simple Six-Step Retirement Checkup

Checking in on your retirement plan may make a lot of sense, especially when market volatility arises.

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

Learn More

Rational Investing in an Age of Uncertainty

When it comes to investing, even the most savvy of us fall prey to bias and emotional trades. So what triggers should you watch for?

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

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529 Plans: A Powerful Tool to Save for Education

Though education costs continue to climb, starting to save and invest early can make a difference.

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.

Succession Planning
Business Planning
Qualified Retirement Plans

Learn More

Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

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

Learn More

Donor Advised Funds: A Smart Way to Manage Your Giving

There's more to charitable giving than you may realize. Here's one method that may be a tax-efficient way to give and can help maximize your impact.

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.

Learn More

The Business Case for a Financially Resilient Workforce

In the face of turbulent markets, the word “resilience” may be top of mind. Broadly speaking, resilience is the ability to “bounce back” when encountering life’s inevitable challenges.

Ready to start a conversation? Contact Jack Patrina 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 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.

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 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.

⁵Alternative 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.

⁶Morgan 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.

⁷Morgan 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

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.

⁹When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.

¹⁰Morgan 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.

¹¹Morgan 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.

¹²Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

¹³Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

¹⁴Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

¹⁵Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.

¹⁶Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

¹⁷Investors 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.

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