Jake Rodriques, CFP®

With a background in Investment Banking and Athletics, I came to realize that my true calling was helping authentic people, with substantive situations, live life to the fullest.

A fascination of stories is the basis for my fully comprehensive and customized approach to each client that I encounter. No one individual, family, or company has the same story, and I use a planning-focused approach to solving the exclusive challenges of all of my personal and corporate clients.

As a Millennial Financial Advisor with Blue Collar roots, I use the Classic Wealth Management Principles instilled upon me to execute a modern, 21st Century approach to every client's unique scenario.

Acting as the personal CFO to my clients, I utilize a specialized network of strategic partners to develop, implement, and monitor tailor-made financial solutions for each individual scenario. I am fully committed to protecting the financial well-being of everyone that I work with, while also working to safeguard their ability to enjoy the lifestyles that they have worked so hard to create.

With trust as the foundational element of my practice, the Global Resources and Intellectual Capital of Morgan Stanley allows me to ensure that every one of my clients solutions, is theirs, and theirs alone.

I look forward to learning more about you, and helping you to fulfill your vision of a successful life.
Services Include
Securities Agent: CO, OH, NC, MN, IL, CT, CA, WV, VT, VA, IA, GA, TX, PA, NH, HI, DC, UT, MO, MI, MD, WY, SC, MA, FL, WI, OR, KS, AL, IN, ME, KY, AZ, WA, SD, NJ, DE, RI, NY, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 2222312
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Awards & Recognition

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    CFP® - CERTIFIED FINANCIAL PLANNNER™
    Jake Rodriques, a Financial Advisor at Morgan Stanley earned the CFP® certification in 2019. The Certified Financial Planner™ designation is awarded to candidates who have demonstrated experience in the areas of Education, Investment, Tax, Retirement, Estate and Insurance planning. CFP® professionals must accrue several years of experience related to delivering financial planning services to clients and pass a comprehensive exam before calling themselves a CFP® Professional and are held to strict ethical standards to ensure financial planning recommendations are in the best interest of their clients.
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    Pacesetter's Club at Morgan Stanley Wealth Management (2021 - 2025)
    Jake Rodriques, a Financial Advisor at Morgan Stanley, has been named to the Firm’s Prestigious Pacesetter’s Club (2021-2025). This accolade recognizes consistent excellence in providing a wide range of investment products and wealth management services to clients. In addition to demonstrating leadership through best practices of wealth management, Morgan Stanley's recognition programs acknowledge the highest professional standards and first class client service.
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    Qualified Plan Financial Consultant – QPFC
    Jake Rodriques, Financial Advisor at Morgan Stanley, earned the QPFC certification in 2024. This credential is issued by National Association of Plan Advisors. The program provides an understanding of general retirement planning concepts, terminology, distinctive features of qualified plans and the role of retirement plan professionals. It is the professional credential for financial professionals who sell, advise, market or support qualified retirement plans. QPFC is for professionals with two to three years of retirement plan experience. A candidate will be expected to demonstrate a general proficiency of plan administration, compliance, investment, fiduciary, and ethics issues.
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    Forbes Best-In-State Wealth Management Teams (2024-2025)
    The Intersect 360 Group at Morgan Stanley was named to the
    Forbes Best-In-State Wealth Management Teams ranking (2024-2025).

    Jake Rodriques, Financial Advisor, is a team member of The Intersect 360 Group at Morgan Stanley.

    2024-2025 Forbes Best-In-State Wealth Management Teams
    Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
    Awards Disclosure
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    Workplace Advisor - Equity Compensation
    Workplace Advisors are financial advisors who receive rigorous training and education on company specific plans to service their clients’ needs. As an Equity Compensation workplace advisor at Morgan Stanley, Jake can help you determine how your equity awards fits into your overall goals and financial strategy.
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    Financial Planning Specialist
    As a Financial Planning Specialist at Morgan Stanley, Jake is committed to providing customized advice on financial planning, He can conduct a comprehensive analysis of a client's financial situation and work towards developing and implementing a plan that fits their goals.
    Notice: Morgan Stanley Wealth Management Pacesetter’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Pacesetter’s Club membership is no guarantee of future performance. CRC # 6064989

Resources and Research

Morgan Stanley seeks to make complex financial ideas more digestible so our clients understand what is being done on their behalf to plan for their financial future. Checkout the below content to see our latest market updates and reports from the top researchers at our firm.
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    Thoughts on the Markets Podcast
    With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
    Listen to the latest episode

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

    Learn more
    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

100 N Tampa St
Ste 3000
Tampa, FL 33602
US
Direct:
(347) 859-5644(347) 859-5644

Meet My Team

Photo of Todd Gutkin

Todd Gutkin

Senior Vice President, Wealth Management, Financial Advisor, Corporate Retirement Director, Financial Wellness Director, Senior Investment Management Consultant, Senior Portfolio Manager, Workplace Advisor- Equity Compensation
Phone:
(212) 613-6701(212) 613-6701
Photo of Pierce Donegan

Pierce Donegan

Registered Associate
Phone:
(212) 643-5743(212) 643-5743
Photo of Jeffrey Isaac

Jeffrey Isaac, CRPS®*

Business Development Director
Phone:
(212) 643-5856(212) 643-5856
Photo of Edward J. Edelman

Edward J. Edelman

Senior Vice President
Phone:
(201) 264-2091(201) 264-2091
Photo of Shatavia Milton

Shatavia Milton

Portfolio Associate
Phone:
(212) 603-6248(212) 603-6248
Photo of Christian Wennes

Christian Wennes

Registered Client Service Associate
Phone:
(212) 230-3730(212) 230-3730
Photo of Elizabeth Harrigan

Elizabeth Harrigan

Wealth Management Analyst
Phone:
(212) 230-3515(212) 230-3515

About Todd Gutkin

Todd Gutkin is a Senior Vice President, Financial Advisor, Corporate Retirement Director, Financial Wellness Director, Senior Investment Management Consultant, Senior Portfolio Manager, and a Workplace Advisor - Equity Compensation with The Intersect 360 Group at Morgan Stanley.

As a Corporate Retirement Director (CRD), Todd Gutkin concentrates on plan design and implementation of 401(k), Defined Benefit Plans and Non-Qualified Deferred Compensation Programs.

Todd earned his CRD designation after advanced training and examination, focusing exclusively on the corporate retirement plan marketplace. The curriculum involves in-depth study of plan design, investment strategy, plan administration, plan sponsors' fiduciary issues, and other related retirement topics. Todd is a CRD in New York City. Less than 2% of Morgan Stanley's advisors qualified for this prestigious designation as of December 2023.

Todd offers plan sponsors extensive experience, knowledge, and guidance with Plan Evaluation and Design, Vendor Selection, Investment Reviews, Fee benchmarking, Educating Plan Participants on such topics critical to retirement, and more.

Todd achieved his Chartered Retirement Plans Specialist (CRPS®) credential in 2011, which is awarded by the College for Financial Planning for advisors focused on creating, implementing, and supporting retirement plans for businesses. The core areas of focus include IRAs, plans for small businesses, defined contribution plans, defined benefit plans and plan sponsors' fiduciary issues.

In addition, Todd earned the Chartered Retirement Planning Counselor (CRPC®) credential in 2014, the result of a comprehensive program which helps financial advisors gain knowledge and experience on the entire retirement planning process, including pre - and post- retirement needs, distinctive tax and estate planning strategies for a retiree, and more.

Prior to joining Morgan Stanley in 2009, Todd worked for Merrill Lynch as a Vice President within the Corporate Benefits and Institutional Services team for 12 years, focusing on the small to mid-size retirement market. Todd currently resides in Morristown, NJ with his wife Lynn and their three children.
Securities Agent: WI, CA, VT, VA, CT, CO, SD, NY, MO, KY, DE, WY, SC, PA, OH, IL, IA, OR, NV, GA, IN, UT, WA, TX, MD, AL, NH, HI, MN, MI, ME, MA, RI, NJ, KS, DC, AZ, WV, NC, FL; General Securities Representative; Investment Advisor Representative; Managed Futures

About Pierce Donegan

Pierce joined Morgan Stanley as a Virtual Engagement Associate in 2019, after two years at Merrill Lynch as a Financial Advisor. Since moving to Wealth Management in 2021, his responsibilities include administrative, operational and issue support resolutions, along with relationship management.

Pierce is a graduate of Rutgers University, with a degree in Economics and a minor in Human Resource Management. Pierce and his fiancée currently reside in Hoboken, New Jersey, and enjoy traveling, golfing and spending time with their families.

About Jeffrey Isaac

Jeffrey joined Morgan Stanley in 2022 with over 20 years of experience selling and servicing retirement plans and 25 years in financial services. With prior experience in business to business sales with MassMutual and ADP, and an advisory role with a UBS Institutional Consulting Group team, he is well versed in plan design, investments and plan benchmarking. He holds the Chartered Retirement Plans Specialist (CRPS®)* designation through the College for Financial Planning. Jeffrey lives in Merrick, NY with his wife and two children.

*This role cannot solicit or provide investment advice

About Seth Coren

Seth Coren leads a team of diverse professionals who help families of significant financial means address the complex challenges of managing their wealth. Seth and team are strategically focused on the intersection of Wealth Management and the Workplace, working closely with Morgan Stanley institutional consultants to deliver multi-channel participant education and engagement. Seth’s team includes five CFP® professionals, two CFA charterholders, three CRPS® professionals, 2 CRPC® professionals, and the group has been recognized by both Forbes and Barron’s magazines.

In his 25th year at Morgan Stanley, Seth has received multiple national recognitions for his accomplishments. Throughout his career, Seth has consistently been invited and willing to share his perspective on a variety of wealth management topics with MS colleagues and industry peers.

Seth is a graduate of Duke University and speaks proficient Japanese. He lives in NYC with his wife and three children. Since 2017, Seth has served as President of PSLL-NYC, a community institution since 1956, offering year-round baseball and softball programming to over 600 children on the East Side of Manhattan.

• 2023 Barron’s Top 1,200 Financial Advisors: State by State
• 2023-2024 Forbes Best-In-State Wealth Management Teams
• 2018-2024 Forbes Best-in-State Wealth Advisor
• Panelist at the 2011, 2014, 2015, 2017, and 2018 Barron’s Top Advisory Team Summit

Source: Barron's.com (March 2023) Barron's Top 1,200 Financial Advisors: State-by-State ranking awarded in 2023. This ranking was determined based on an evaluation process conducted by Barron's during the period from Sept 2021 - Sept 2022.

Source: Forbes.com Forbes Best-in-State Wealth Advisor (Awarded 2018-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.

2023-2024 Forbes Best-In- State Wealth Management Teams
Source: Forbes.com (Awarded 2023,2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: MT, IL, IA, AK, NJ, NC, MO, MI, KS, IN, AZ, WI, SC, ME, VA, ND, LA, FL, DC, CO, MN, MD, DE, CT, VT, TX, NV, HI, GA, UT, OH, MA, WV, RI, OR, KY, PA, NY, CA, AL, SD, NH, WY, WA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures

About Scott Coren

Scott joined Morgan Stanley in 2012. He has 23 years of experience in the financial services industry having worked on both the buy- and sell- sides of Wall Street as an equity analyst and investor.

Scott leads The Intersect 360 Group’s investment team. He is responsible for security and manager research and selection, as well as portfolio and risk management.

Prior to joining Morgan Stanley, Scott worked as an equity analyst at Millennium Management LLC, a global investment management company. Before that he spent four years at Endeavour Capital Advisors, a long/short equity financial services sector fund, where he was responsible for the firm’s bank research and investments. Scott spent the first part of his career as a Managing Director and analyst in the equity research department of Bear Stearns & Co. Inc. He graduated from the University of Michigan in 1995 with a Bachelor of Business Administration degree. Scott is a CFA charterholder since 2000.
Securities Agent: WA, NV, IA, KY, IL, HI, FL, VA, UT, SC, OR, MI, MD, MA, CO, CA, VT, SD, PA, NY, IN, GA, WV, OH, NJ, ND, KS, DC, MO, ME, AK, WI, TX, NH, DE, CT, AL, MN, RI, NC, AZ, WY; General Securities Representative; Investment Advisor Representative

About Amanda Voie, CFA*, CFP®*

Amanda joined Morgan Stanley in 2007 in Atlanta, Georgia, and has over 18 years of experience in wealth management. She is a CFA®* charterholder and a CFP®* professional. Amanda is responsible for relationship management, financial planning, and strategic partnership management.

Amanda graduated from Texas A&M University in 2004, and holds a Bachelor of Business Administration in Finance. After many years in Manhattan, she and her husband Chris relocated to Houston, where they reside with their daughters Allison and Caroline. Amanda is an active member in the community, volunteering primarily via her children’s school PTO and sports teams. In her spare time, she enjoys playing tennis, cooking, and most of all, time with her family.

*This role cannot solicit or provide investment advice

About Michael C. Ganley, CFP®*

Michael is a Wealth Management Associate at Morgan Stanley. He joined the firm in 2010 and brings over 13 years of wealth management experience to the team. Michael earned his CERTIFIED FINANCIAL PLANNER™ certification* in 2017. He has worked in several areas within wealth management at Morgan Stanley including Institutional Investment Consulting, Financial Planning, and the Advisory sales desk.

Michael is responsible for supporting the team with financial planning, investment manager and fund analysis, performance reporting, and cultivating meaningful relationships with both clients and employees of the firm.

Michael is a graduate of Fairfield University with a degree in Finance and a minor in Mathematics. He currently resides in Morris Plains, NJ with his wife and daughter and enjoys traveling, playing golf, and fitness.

*This role cannot solicit or provide investment advice

About Shatavia Milton

Shatavia joined Morgan Stanley in 2005 and brings over 18 years of experience to the team. She began her career as a Service Associate in Branch Operations. Her responsibilities on the team include administrative, operational and issue support resolution.

She attended Macon State College and is the proud mother of her daughter Myeh. Her hobbies include spending time with family, traveling and photography.

About Kevin Oakes, CFP®*, CRPC®*

Kevin joined Morgan Stanley in 2019 after five years at Merrill Lynch. He is a CERTIFIED FINANCIAL PLANNER™ (CFP®)* and has 10 years of experience in the Wealth Management industry.

Kevin is a Financial Planning Specialist, Charted Retirement Planning Counselor (CRPC®)*, Chartered Retirement Plans Specialist (CRPS®)*, and supports the team as a relationship manager and financial planner.

He graduated from Rutgers University in 2014 with a Bachelor’s degree in Economics and currently resides in New Jersey with his wife and daughter. They enjoy traveling, skiing, and spending time at the Jersey Shore with their families.

*This role cannot solicit or provide investment advice

About Christian Wennes

Christian joined Morgan Stanley in 2022 as Client Service Associate. Originally from Los Angeles, he graduated from the University of Southern California in 2022 with a Bachelor of Science degree in Business Administration and an emphasis in Finance. Christian holds Series 7 and Series 66 licenses, and is now a Registered Client Service Associate.
Christian moved to the East Coast in 2022, and currently resides in Manhattan. He enjoys spending time with family and friends, playing golf, skiing, and cheering on his USC Trojans!
Wealth Management
Global Investment Office

Portfolio Insights

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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

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
Learn More about Family
529 Plans: A Powerful Tool to Save for Education
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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.

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 about Retirement
A Simple Six-Step Retirement Checkup
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A Simple Six-Step Retirement Checkup

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

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 about Business Planning
Financial Planning for Life After Selling a Business
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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.

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 about Financial Wellness
The Business Case for a Financially Resilient Workforce
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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 Jake Rodriques today.
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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.

1Morgan 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.

For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.

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2Morgan 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.

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3When 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.

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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.

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5Morgan 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.

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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.

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7Alternative 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.

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8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

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10Investing 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.

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11Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

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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)