Dawn Charmatz
Portfolio Associate
Phone:
(631) 755-1622(631) 755-1622
James Flood
Senior Vice President, Wealth Management,
Financial Advisor,
Portfolio Management Director,
Alternative Investments Director
Direct:
(631) 755-1620(631) 755-1620
Toll-Free:
(800) 477-7522(800) 477-7522
Industry Award WinnerMy Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Welcome
As your Financial Advisor, I can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together I can help you to preserve and grow your wealth. You will have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
I am a founding member of The Island Harbor Group here at Morgan Stanley. My team strives to develop a thorough understanding of our clients so we can help them make better financial decisions that are consistent with their goals.
I am a founding member of The Island Harbor Group here at Morgan Stanley. My team strives to develop a thorough understanding of our clients so we can help them make better financial decisions that are consistent with their goals.
Services Include
- Alternative InvestmentsFootnote1
- Professional Portfolio ManagementFootnote2
- Wealth ManagementFootnote3
- 401(k) Rollovers
- Corporate Retirement PlansFootnote4
- 529 PlansFootnote5
- AnnuitiesFootnote6
- Business PlanningFootnote7
- Business Succession PlanningFootnote8
- Corporate Pension FundsFootnote9
- Endowments and FoundationsFootnote10
- Financial PlanningFootnote11
- Fixed IncomeFootnote12
- Lending Products
- Life InsuranceFootnote13
- Long Term Care InsuranceFootnote14
- Municipal BondsFootnote15
- Planning for Individuals with Special Needs
- Structured Settlement Annuities
Securities Agent: FL, AL, WA, SC, PA, IN, DE, DC, KS, CA, NY, MO, KY, IA, VA, NJ, ME, MA, MI, WV, WI, MD, CT, CO, AZ, TX, VT, OH, NM, NH, NC, TN, NV, MT, MN, IL, GA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1321576
NMLS#: 1321576
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Digital Tools
Our comprehensive suite of digital tools are designed to help enhance most aspects of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Learn More About Total Wealth ViewThe ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security Center
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology to help reach your financial goals.
Learn About Our Planning ToolsInnovative Strategies to Address Financial Challenges
The power of alternative investments derives from their versatility to offer innovative strategies that align with sophisticated investors’ financial goals. Across the variety of available strategies, these can be organized into four core solutions.
Income Generation
Products, such as Non-Traded REITs, Private Credit, and Private Real Estate Funds/Real Estate Assets, seek higher returns/yield and lower volatility compared to traditional fixed income investments. There is also the potential for a low correlation to stocks and bonds, a reliable current income stream, and an inflation hedge.
Portfolio Diversification
Products that strive to maintain low correlations with traditional equity markets, with potential for lower portfolio volatility, increased risk-adjusted returns, and reduced reliance on any one company, sector, country, etc. These include equity long/short funds, funds of hedge funds, and relative value hedge funds.
Growth Orientation
Products, such as private equity, equity long/short funds, and venture capital, aim to generate excess returns and provide clients with incremental upside potential, wealth accumulation strategies, or seek to take advantage of the "illiquidity premium" of private markets.
Tax Advantages
Products, such as Private Placement Variable Annuities, Private Placement Life Insurance, and Equity Exchange Funds are designed to alleviate yearly tax liability, defer payment of capital gains, and harness tax-managed structures or offer a step up in basis and tax advantaged income.
Upcoming Firm Events
The Lessons in Leadership Virtual Event Series will continue throughout 2025.
Check back soon for details on upcoming events.
Location
58 South Service Rd
Ste 400
Melville, NY 11747
US
Direct:
(631) 755-1620(631) 755-1620
Toll-Free:
(800) 477-7522(800) 477-7522
Fax:
(631) 824-9213(631) 824-9213
Meet My Team
Kelly Saronka, CFP®*
Group Director
Phone:
(631) 755-1613(631) 755-1613
David P. Schiebelhuth, CRPC®
Financial Advisor, Senior Vice President
Phone:
(631) 755-8865(631) 755-8865
Kristen Signorile, CFP®
Financial Advisor, Senior Vice President
Phone:
(212) 503-2378(212) 503-2378
Karen Coffey
Portfolio Associate
Phone:
(631) 755-8835(631) 755-8835
Aneel Mall
Business Development Associate
Phone:
(212) 503-2382(212) 503-2382
Peter Sluka
Financial Advisor, Vice President
Phone:
(631) 755-1651(631) 755-1651
Patty Bento
Senior Client Service Associate
Phone:
(631) 755-1614(631) 755-1614
Mark Greco
Financial Advisor, Vice President, Alternative Investments Director, Financial Planning Specialist
Phone:
(631) 755-8817(631) 755-8817
Stephen Lawless
Executive Director, Financial Advisor, Financial Planning Specialist
Phone:
(631) 755-8815(631) 755-8815
About Dawn Charmatz
Dawn Charmatz joins us with 20 years of experience in the financial services industry. She has previously worked at several brokerage firms including UBS, Lehman Brothers and Barclays. Dawn is Series 7, 63 and 66 licensed. She also holds a New York State Life and Health Insurance license. Dawn currently resides in Plainview, New York with her husband Brian and two daughters, Alexandra and Juliana. In her spare time Dawn likes to exercise, enjoys outdoor activities with her family and likes to read. She also spends time volunteering for the nonprofit organization JDRF, who is the top leading organization in research to find a cure for type 1 diabetes.
About Kelly Saronka
Kelly Saronka is a Business Development Director with the Island Harbor Group. As a CERTIFIED FINANCIAL PLANNER™, her practice focuses on financial planning, relationship management, and creating investment strategies. She supports clients through a planning lens and helps them create logical paths forward to maintain their wealth and enjoy a fulfilling lifestyle. Kelly’s goal is to deliver complex financial solutions to client in an efficient matter.
Kelly joined Morgan Stanley in 2016. She has held multiple roles including Wealth Advisor Associate and Client Service Associate. Prior to joining Morgan Stanley, Kelly received her bachelor’s degree in Accounting and M.B.A. in Finance Summa Cum Laude from Molloy College. While achieving these degrees, Kelly was a two-sport Division II collegiate athlete on the Field Hockey and Lacrosse teams. She earned a place on Molloy's 30 Under 30 Alumni list.
Kelly resides locally in Wantagh, New York with her Great Dane named Tess.
Professional Highlights:
• CERTIFIED FINANCIAL PLANNER™ Professional Designation
• Series 7 and 66 Securities Registrations
• Life, Accident and Health Insurance License
• Pacesetter’s Club Member since 2023
• Bachelor’s Degree in Accounting, Molloy College
• M.B.A. Degree in Finance, Molloy College
Kelly joined Morgan Stanley in 2016. She has held multiple roles including Wealth Advisor Associate and Client Service Associate. Prior to joining Morgan Stanley, Kelly received her bachelor’s degree in Accounting and M.B.A. in Finance Summa Cum Laude from Molloy College. While achieving these degrees, Kelly was a two-sport Division II collegiate athlete on the Field Hockey and Lacrosse teams. She earned a place on Molloy's 30 Under 30 Alumni list.
Kelly resides locally in Wantagh, New York with her Great Dane named Tess.
Professional Highlights:
• CERTIFIED FINANCIAL PLANNER™ Professional Designation
• Series 7 and 66 Securities Registrations
• Life, Accident and Health Insurance License
• Pacesetter’s Club Member since 2023
• Bachelor’s Degree in Accounting, Molloy College
• M.B.A. Degree in Finance, Molloy College
About David P. Schiebelhuth
David Schiebelhuth has been a Financial Advisor for over 20 years providing a holistic approach with each client. He utilizes financial plans as he values individual circumstances prior to making recommendations. David earned a Bachelor of Arts from Quinnipiac University and further went on to complete the Financial Planning Course at New York University.
When he is not in the office, David enjoys spending time with his family, traveling, and playing golf. He is active in his community where he coaches a youth travel baseball and flag football teams. He resides locally in Dix Hills, NY with his wife and two children.
Professional Highlights:
- Financial Planning Specialist
- Portfolio Manager
- Series 7, 63, 66 Securities Registrations
- Life and Health Insurance Licenses
Experience
-2002-2003 Raymond James Financial Services, Inc
-2003-2005 Merrill Lynch, Pierce, Fenner & Smith Inc.
-2005-2020 JP Morgan Securities / Chase Investment Services Corp.
-2020- Present Morgan Stanley
When he is not in the office, David enjoys spending time with his family, traveling, and playing golf. He is active in his community where he coaches a youth travel baseball and flag football teams. He resides locally in Dix Hills, NY with his wife and two children.
Professional Highlights:
- Financial Planning Specialist
- Portfolio Manager
- Series 7, 63, 66 Securities Registrations
- Life and Health Insurance Licenses
Experience
-2002-2003 Raymond James Financial Services, Inc
-2003-2005 Merrill Lynch, Pierce, Fenner & Smith Inc.
-2005-2020 JP Morgan Securities / Chase Investment Services Corp.
-2020- Present Morgan Stanley
About Kristen Signorile
Kristen Signorile, CFP® is an integral member of The Island Harbor Group. She has helped clients address their financial concerns and develop sound strategies by focusing on each individual's specific needs for over 18 years. Kristen has been with Morgan Stanley for 5 years.
As a CERTIFIED FINANCIAL PLANNER™, Kristen has an extensive breadth and depth of industry knowledge and experience to serve the financial needs of individuals, families and small business owners.
Prior to her career as a financial advisor, Kristen earned a degree from James Madison University.
Professional Highlights:
• Series 7, 63, 65 Securities Registrations
• Life, Accident and Health Insurance License
• Portfolio Manager
• Forbes Best-In-State Women Advisors, 2024
• Forbes Best-In-State Women Advisors, 2023
• Forbes Best-In-State Women Wealth Advisors, 2023
• Forbes Best-In-State Women Advisors, 2022
• Forbes America’s Top Next-Gen Wealth Advisors, 2021
SOURCE: FORBES.COM (AWARDED FEB 2024) DATA COMPILED BY SHOOK RESEARCH LLC BASED ON TIME PERIOD FROM 9/30/22 - 9/30/23.
SOURCE: FORBES.COM (AWARDED FEB 2023) DATA COMPILED BY SHOOK RESEARCH LLC BASED ON TIME PERIOD FROM 9/30/21 - 9/30/22.
SOURCE: FORBES.COM (AWARDED FEB 2022) DATA COMPILED BY SHOOK RESEARCH LLC BASED ON TIME PERIOD FROM 9/30/20 - 9/30/21.
SOURCE: FORBES.COM (AWARDED SEPT 2021) DATA COMPILED BY SHOOK RESEARCH LLC BASED ON TIME PERIOD FROM 3/31/20 - 3/31/21.
As a CERTIFIED FINANCIAL PLANNER™, Kristen has an extensive breadth and depth of industry knowledge and experience to serve the financial needs of individuals, families and small business owners.
Prior to her career as a financial advisor, Kristen earned a degree from James Madison University.
Professional Highlights:
• Series 7, 63, 65 Securities Registrations
• Life, Accident and Health Insurance License
• Portfolio Manager
• Forbes Best-In-State Women Advisors, 2024
• Forbes Best-In-State Women Advisors, 2023
• Forbes Best-In-State Women Wealth Advisors, 2023
• Forbes Best-In-State Women Advisors, 2022
• Forbes America’s Top Next-Gen Wealth Advisors, 2021
SOURCE: FORBES.COM (AWARDED FEB 2024) DATA COMPILED BY SHOOK RESEARCH LLC BASED ON TIME PERIOD FROM 9/30/22 - 9/30/23.
SOURCE: FORBES.COM (AWARDED FEB 2023) DATA COMPILED BY SHOOK RESEARCH LLC BASED ON TIME PERIOD FROM 9/30/21 - 9/30/22.
SOURCE: FORBES.COM (AWARDED FEB 2022) DATA COMPILED BY SHOOK RESEARCH LLC BASED ON TIME PERIOD FROM 9/30/20 - 9/30/21.
SOURCE: FORBES.COM (AWARDED SEPT 2021) DATA COMPILED BY SHOOK RESEARCH LLC BASED ON TIME PERIOD FROM 3/31/20 - 3/31/21.
About Karen Coffey
Karen is an integral part of The Island Harbor Group. She has been with Morgan Stanley for 15 years. Prior to joining Morgan Stanley, she gained her professional experience at Oppenheimer & Co, CJ Lawrence Inc, Lehman Brothers Inc and Citigroup Global Markets Inc, giving her 36 years of industry experience. She currently holds her Series 7, Series 63 and Series 66 licenses.
Karen is passionate about focusing on cultivation and enhancement of new and existing client relationships via active communication with clients, helping resolve inquiries, providing guidance and keeping key information current.
Karen currently resides in Lindenhurst, NY with her husband, Joe.
Karen is passionate about focusing on cultivation and enhancement of new and existing client relationships via active communication with clients, helping resolve inquiries, providing guidance and keeping key information current.
Karen currently resides in Lindenhurst, NY with her husband, Joe.
About Aneel Mall
Aneel Mall comes to the team with 26 years of industry experience. He has been at Morgan Stanley for 5 years. His role transcends all facets of relationship management, client onboarding and service, client education, and financial planning. As his career develops, Aneel continues to help ensure clients and their needs are met with premier service.
About Peter Sluka
Peter Sluka has been a Morgan Stanley Financial Advisor for the past 13 years providing bespoke portfolio and planning advice helping enable clients to meet their goals and to successfully retire. Peter has another 25 years of leadership experience in corporate finance, operations and financial regulation.
After attaining his MBA in Finance from St John’s University, Peter served as a Sr. Examiner for NASD\FINRA where he developed a deep appreciation for getting things done the right way.
Peter was a competitive distance runner who in recent years has settled into cycling and golf.
Professional Highlights:
- Series 7, 31, 66 Securities Registrations & Insurance\Annuities Licenses
- Published in the Journal of Business Forecasting
- National Honor Society in Economics
- Chairman’s Award for Quality – American Express
- Six Sigma Master Black Belt
- Morgan Stanley Pacesetters
After attaining his MBA in Finance from St John’s University, Peter served as a Sr. Examiner for NASD\FINRA where he developed a deep appreciation for getting things done the right way.
Peter was a competitive distance runner who in recent years has settled into cycling and golf.
Professional Highlights:
- Series 7, 31, 66 Securities Registrations & Insurance\Annuities Licenses
- Published in the Journal of Business Forecasting
- National Honor Society in Economics
- Chairman’s Award for Quality – American Express
- Six Sigma Master Black Belt
- Morgan Stanley Pacesetters
Securities Agent: VA, OH, FL, DE, KS, NV, ME, MA, AL, WI, VT, WA, SC, MN, MI, DC, CT, CO, AZ, NM, NH, NC, MT, IA, NJ, MO, MD, TX, PA, IL, GA, CA, NY, KY, IN; General Securities Representative; Investment Advisor Representative
About Patty Bento
Patty Bento has been with Morgan Stanley for 17 years and has 34 years of experience in the financial services industry. When not in the office in her free time she enjoys bowling on her weekly league, going to the gym and watching the NY Rangers with her rescue cat Winnie.
About Mark Greco
Mark Greco is a Vice President with Morgan Stanley and has been a trusted advisor to high-net-worth individuals and their families for over 40 years. Mark works closely with his clients to help them reach their long-term investment goals and navigate life events that require the perspective of a seasoned financial professional. He is a Financial Planning Specialist, Alternative Investments Director, and Portfolio Manager. Mark is a graduate of The University of Colorado, Boulder and earned his MBA from the Roth Graduate school at Long Island University. He is also a motorcycle enthusiast and plays guitar.
About Stephen Lawless
As an Executive Director and Financial Advisor, Stephen brings 40 years of extensive experience and knowledge to the Island Harbor Group. He takes pride in having helped his clients to achieve their personal financial goals while navigating challenging times. Stephen’s priority is expanding his client’s wealth over the long term, using Morgan Stanley’s vast array of resources to help them formulate a personalized financial strategy.
Outside of the office, Stephen can be found kayaking in the Connetquot River.
Professional Highlights:
• Series 6, 7, 52, 63 Securities Registrations
• Life Insurance License
Outside of the office, Stephen can be found kayaking in the Connetquot River.
Professional Highlights:
• Series 6, 7, 52, 63 Securities Registrations
• Life Insurance License
Awards and Recognition
Forbes Best-In-State Wealth Advisors
2022-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Best-In-State Wealth Management Teams
2024-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact James Flood today.
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Morgan Stanley 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.
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.
5Investors 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.
6Annuities 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 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.
8Morgan 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.
9Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
11Morgan 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.
12Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Morgan Stanley 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.
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.
5Investors 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.
6Annuities 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 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.
8Morgan 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.
9Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
11Morgan 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.
12Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
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CRC 4665150 (8/2025)
