James Gregga, CFP®
Senior Vice President,
Financial Advisor
Direct:
(847) 382-3717(847) 382-3717
Toll-Free:
(800) 221-2561(800) 221-2561
My Mission Statement
Helping executives save on taxes, retire well and equip the next generation for success!
My Story and Services
I became a financial advisor just about a year and a half before the crash of '08. The tail end of the glory days indeed- but then the whole thing fell apart. During that time, I watched several clients, as well as other advisors around me, make terrible financial decisions based on panic. And while those days were ugly, two important lessons about growth and protection were cemented in my mind as a result: 1) The purpose of one's wealth needs to drive everything. This means that risk management & financial planning must precede portfolio building, and be reassessed regularly. 2) Keep short-term assets in short-term strategies and long-term assets in long-term strategies. When these get mixed up, all kinds of chaos can ensue.
Along with those basic tenets of financial planning, much of my work these days goes to tax management and estate planning. At Morgan Stanley, we believe that one of the important ways we add value for clients is to help them keep more of what's theirs, which is why we have such a robust platform of tax saving strategies. For executives with concentrated stock positions, appreciated real estate, or future capital gains distributions, we work closely with your CPA to craft a solution that works for you. We also believe that helping clients work through complex estate planning strategies and equipping the next generation for success are necessary parts of the financial planning process.
Prior to joining Morgan Stanley, I was a financial advisor at JP Morgan Chase where I worked closely with affluent clients for over 11 years. I proudly served 6 years in the United States Navy, received my under-graduate degree from Northern Illinois University and my M.B.A. from University of Illinois at Chicago.
When not working with clients, I love spending time with my beautiful wife, April, and our four kids, Blake, Xander, Vivian & Oliver. I also like reading theology, playing my drums, and grilling out in the backyard with a good cigar.
Along with those basic tenets of financial planning, much of my work these days goes to tax management and estate planning. At Morgan Stanley, we believe that one of the important ways we add value for clients is to help them keep more of what's theirs, which is why we have such a robust platform of tax saving strategies. For executives with concentrated stock positions, appreciated real estate, or future capital gains distributions, we work closely with your CPA to craft a solution that works for you. We also believe that helping clients work through complex estate planning strategies and equipping the next generation for success are necessary parts of the financial planning process.
Prior to joining Morgan Stanley, I was a financial advisor at JP Morgan Chase where I worked closely with affluent clients for over 11 years. I proudly served 6 years in the United States Navy, received my under-graduate degree from Northern Illinois University and my M.B.A. from University of Illinois at Chicago.
When not working with clients, I love spending time with my beautiful wife, April, and our four kids, Blake, Xander, Vivian & Oliver. I also like reading theology, playing my drums, and grilling out in the backyard with a good cigar.
Services Include
- Financial PlanningFootnote1
- Estate Planning StrategiesFootnote2
- Wealth ManagementFootnote3
- Asset Management
- Professional Portfolio ManagementFootnote4
- Qualified Retirement PlansFootnote5
- Retirement PlanningFootnote6
- Trust AccountsFootnote7
- Wealth PlanningFootnote8
- Cash ManagementFootnote9
- Corporate Investment SolutionsFootnote10
- Corporate Retirement PlansFootnote11
Securities Agent: CA, WA, IL, GA, TX, OR, NC, NY, MO, CO, SC, FL, MD, CT, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 2140228
NMLS#: 2140228
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Tax Solutions
Total Tax 365
Morgan Stanley Total Tax 365 offers a full spectrum of tax-efficient solutions to help mitigate the tax drag on your portfolio—so you can keep more of what you earn and improve after-tax returns.
Learn about Tax Smart Investing
Paying Your Taxes
This Morgan Stanley guide explains practical ways to handle a tax bill - from IRS payment plans to using cash, credit, or loans - so you can stay on track with your long-term financial goals.
Read the Full Article here
Donor Advised Funds
Reach out to your financial advisor to discuss how a Donor Advised Fund can fit into your year-end giving and tax strategy and help you make the most of your charitable contributions
Many of our clients would like to support the causes and people they care about, while also being tax-efficient. Fortunately, we're well versed on strategies that may help you accomplish both. If you’re inclined to help others, consider these tax-efficient ways to make your giving go further.
Learn About Donor Advised FundsMany of our clients would like to support the causes and people they care about, while also being tax-efficient. Fortunately, we're well versed on strategies that may help you accomplish both. If you’re inclined to help others, consider these tax-efficient ways to make your giving go further.
Managing Concentrated Stock Risk
Holding too much of one stock can expose your portfolio to unnecessary risk and limit future opportunities. This Morgan Stanley Guide shares practical, tax-smart strategies - including staged selling, options strategies, and exchange funds - to help you diversify thoughtfully and keep your financial plan on track.
Read Full Guide Here
Exploring Exchange Funds
If most of your wealth is tied up in one stock, you don't have to face a big tax bill to diversify. A Morgan Stanley advisor can help you use exchange funds to contribute shares into a professionally managed, diversified pool, reduce risk, defer taxes, and keep your long-term plan on track.
Learn More About Exchange Funds
How to Handle Volatility
Market volatility can increase or decrease depending on where we are in the business cycle. Learn how to recognize common investing mistakes and stay focused on your long-term financial goals.
Learn more about handling volatility
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?
Click here to learn more
How to Plan Instead of Panic in Volatile Markets
How do you weather volatile markets? A study of nearly 120,000 investors reveals the value of having a sound financial plan to help keep you on track.
Learn more about having a sound mind during volatile times
Staying Focused in Turbulent Times
When the market is volatile, almost everyone thinks about their financial future and the potential impact such fluctuations may have on their retirement accounts. However, it is during these turbulent times that it’s important to remember certain basic, time-tested principles of investing.
Learn more about the basic investing principals
Is Your Portfolio Too Concentrated?
Understand the risks of concentrated stock positions and explore tax-smart strategies to help diversify your holdings.
Learn more about concentrated positions
Dollar-Cost Averaging or Lump-Sum Investing. Which is Right for You?
When deciding how to invest a large amount of new cash in your portfolio, consider the pros and cons of dollar-cost averaging and lump-sum investing.
Click here to compare these different strategies
Savvy Webinars
Find Events Here
Building Financial Literacy
Life stages and financial goals change over time - and so should your financial knowledge. A Morgan Stanley advisor can help you sharpen foundational habits (budgeting, saving, investing) and guide you through decisions for where you are now - whether you're just starting out, preparing for retirement, or somewhere in between.
Explore the full Morgan Stanley Financial Literacy Resource
Creating a Smart Budget
Everyone's spending habits affect long-term goals more than they realize. Your Morgan Stanley Wealth Advisor can walk you through a step-by-step budgeting plan: understanding your income, accounting for fixed vs. variable expenses, setting priorities, and using tools to track progress - so you stay aligned with what matters most.
Learn More About Budgeting
Common Cents: Teaching Kids About Money
Helping kids build good money habits early can set them up for lifelong success. This Morgan Stanley resource share age-appropriate ways to introduce concepts like saving, budgeting, and goal-setting - so kids can grow into confident, financially savvy adults.
Learn How to Teach Your Kids about Money
Helping Loved Ones Achieve Homeownership
Buying a first home has become more challenging as prices and interest rates continue to rise. Morgan Stanley offers strategies to help, from relationship-based mortgage pricing to securities-based solutions and asset pledges, designed to support loved ones while keeping long-term goals in focus. As your advisor, I can walk you through these options and tailor an approach that fits your overall plan.
Read full article here
Start Smart with Investing Basics
Starting your investing journey can feel overwhelming, but understanding the basics is the first step toward building long-term wealth. Morgan Stanley's Investing 101 breaks down core concepts like risk vs. reward, asset allocation, diversification, and the power of compounding - giving you a clear path to get started.
Read Investing 101
How to Handle Volatility
Market swings can be unsettling, but they don't have to derail your long-term plans. Morgan Stanley offers powerful tools - from portfolio risk analysis to personalized financial planning - to help you understand your exposures, stay disciplined, and keep your strategy on track during periods of volatility.
Learn How to Handle Volatility
Alternative investments
Morgan Stanley gives you access to opportunities beyond stocks and bonds - including private equity, real assets, hedge funds, and more. With decades of experience and a wide range of options, we can help you use alternatives to diversify, manage risk, and pursue your long term goals.
Explore Alternative InvestmentsEstate Planning
Active Estate Planning
Estate planning is the memorialization of a person’s wishes around the management and disposition of his/her assets in the event of incapacity and death. For individuals with significant wealth, a successful plan will also minimize the impact of transfer taxes.
Learn about active estate planning
The Three Phases of Estate Planning
The process of estate planning may be simplified by breaking estate planning into three phases and creating a roadmap through each phase with well tested estate planning tools and techniques.
Learn more about each phase
Guarding Your Wealth
Individuals often seek to protect their assets against claims of negligence or recklessness, claims of professional malpractice, shareholder derivative lawsuits against corporate officers and directors, or a spouse in a divorce. Individuals may not have recourse against lawful creditors’ claims in many situations, but there are proactive steps individuals may want to consider and discuss with their legal and tax advisors in order to help protect their assets, particularly in situations where there exists no current creditor’s claim and/or the individual is not aware of any basis for the assertion of a claim.
Learn more about guarding your wealth
What Responsibilities Does A Trustee Have?
A trustee is responsible for a number of tasks of varying complexity, all of which must be performed with the highest level of integrity.
Learn more about trustee responsibilities
Checklist for Clients
Morgan Stanley's checklist for clients highlights the need for documentation regarding estate planning documents, tax information, family data, and asset details.
View checklist here
Charitable Giving Overview
A person may make gifts to charitable organizations and may receive income, gift and/or estate tax charitable deductions.
Learn more about charitable giving
Gift and Estate Tax Overview
Estate planning may minimize transfer taxes and allow one to retain some control over gifted property. Which estate planning strategies are employed (and when) depends on one’s particular circumstances, priorities and goals.
Learn more about these strategiesClient Service Team
Denise A Erickson - Portfolio Associate
Phone:
(847) 382-6607(847) 382-6607
Email:denise.a.erickson@morganstanley.com
Denise Erickson is a Portfolio Associate with over 20+ years here at Morgan Stanley. Her focus is to provide first-class service, operational and administrative support to the clients. Denise provides prompt, knowledgeable assistance with questions about their account statement, transferring money, issuing a check, or any needs that arise on a daily basis.
Denise has worked consistently in the financial industry during her 35 year marriage and raising 3 children. During her free time she enjoys family, friends and reading.
Denise has worked consistently in the financial industry during her 35 year marriage and raising 3 children. During her free time she enjoys family, friends and reading.
Allison Wiseman
Phone:
(847) 382-3779(847) 382-3779
Email:Allison.Wiseman@morganstanley.com
Allison Wiseman is a Registered Client Relationship Analyst who joined Morgan Stanley in 2024. With over 10 years of experience working in the financial industry she prides herself on providing an excellent and personalized client experience. Allison is happily married and has one son. She enjoys spending her free time with her family and friends, attending hockey games, playing board games and going camping in her RV.
Location
760 W Main St
Suite 200
Barrington, IL 60010
US
Direct:
(847) 382-3717(847) 382-3717
Toll-Free:
(800) 221-2561(800) 221-2561
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
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact James Gregga today.
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.
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.
2Morgan 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.
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.
4Morgan 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.
5When 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.
6When 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
9Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
10Morgan 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.
11When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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
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.
2Morgan 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.
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.
4Morgan 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.
5When 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.
6When 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
9Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
10Morgan 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.
11When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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
CRC 4665150 (8/2025)
