David T Surofchek, CIMA®
Financial Advisor, Managing Director, Wealth Management, Executive Financial Services Director, Alternative Investments Director, Family Wealth Director
Jason Chao, CFP®, CIMA®
Executive Director, Wealth Management,
Financial Advisor,
Family Wealth Director,
Executive Financial Services Director,
Alternative Investments Director,
Insurance Planning Director,
Senior Portfolio Management Director
Direct:
(719) 577-6310(719) 577-6310
Toll-Free:
(800) 225-1163(800) 225-1163
About Me
Jason Chao began his investment career in 2005. As a Financial Advisor, Executive Financial Services Director, and Portfolio director, his primary responsibilities include financial planning with corporate executives, working with concentrated stock positions, and 10b5-1 plans.
Jason is a Certified Financial Planner® and has earned the Certified Investment Management Analyst® certification from the Yale School of Management. He holds the Family Wealth Director and Executive Financial Services Director designations and is a Senior Vice President. Jason joined less than 4% of Morgan Stanley Financial Advisors who have completed the firm’s rigorous Family Wealth Director program as of December 2022. Catered to the needs of ultra-high net worth clients, this designation allows Jason and his team specialized access to the firm’s Family Office Resources. With 18 years of industry experience, Jason focuses on working with senior level management and executives, as well as equity compensation and executive benefits. With his in depth knowledge and understanding of the distinctive planning complexities when it comes to the various forms of executive compensations, Jason and his team strive to work with your family to safely assist your journey from successful career to an impactful retirement and seeking to secure your legacy for future generations.
Jason earned his Bachelor's degree in English and Writing from Southern Oregon University, and his MBA in Finance and Management from the University of Colorado at Colorado Springs. While at the Southern Oregon University, Jason was a member of the wrestling team where he received Academic All-American honors. Prior to his career in the financial industry, Jason was an athlete at the Olympic Training Center, where he competed in the sport of Greco-Roman wrestling. He was a participant in the 2004 US Olympic Team Trials in Greco-Roman Wrestling. Jason remains active in the sport of wrestling by coaching local youth and high school teams. In his spare time, Jason is an avid scuba diver and mountain biker.
Disclaimer:
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Jason is a Certified Financial Planner® and has earned the Certified Investment Management Analyst® certification from the Yale School of Management. He holds the Family Wealth Director and Executive Financial Services Director designations and is a Senior Vice President. Jason joined less than 4% of Morgan Stanley Financial Advisors who have completed the firm’s rigorous Family Wealth Director program as of December 2022. Catered to the needs of ultra-high net worth clients, this designation allows Jason and his team specialized access to the firm’s Family Office Resources. With 18 years of industry experience, Jason focuses on working with senior level management and executives, as well as equity compensation and executive benefits. With his in depth knowledge and understanding of the distinctive planning complexities when it comes to the various forms of executive compensations, Jason and his team strive to work with your family to safely assist your journey from successful career to an impactful retirement and seeking to secure your legacy for future generations.
Jason earned his Bachelor's degree in English and Writing from Southern Oregon University, and his MBA in Finance and Management from the University of Colorado at Colorado Springs. While at the Southern Oregon University, Jason was a member of the wrestling team where he received Academic All-American honors. Prior to his career in the financial industry, Jason was an athlete at the Olympic Training Center, where he competed in the sport of Greco-Roman wrestling. He was a participant in the 2004 US Olympic Team Trials in Greco-Roman Wrestling. Jason remains active in the sport of wrestling by coaching local youth and high school teams. In his spare time, Jason is an avid scuba diver and mountain biker.
Disclaimer:
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Securities Agent: NH, DE, WY, WA, VT, VA, UT, TX, TN, SD, PA, OR, OK, OH, NY, NV, NM, NJ, NE, ND, NC, SC, MT, MS, MO, MN, MI, ME, MD, WI, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DC, CT, CO, CA, AZ, AR, AL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1261831
CA Insurance License #: 0I37653
NMLS#: 1261831
CA Insurance License #: 0I37653
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
What the Family Wealth Director Designation Means
The Family Wealth Director designation is held by a small group of advisors who have demonstrated advanced expertise in comprehensive wealth planning for families. It reflects a commitment to collaboration, education, and long-term stewardship—helping families navigate complexity with intention and confidence.
A Long-Term Partner for Every Chapter
Families change. Priorities shift. Life happens.
I serve as a long-term partner—helping families stay aligned, informed, and prepared through each phase of life.
My goal is simple: to help you make confident decisions today while building a legacy that supports your family for generations to come.
How I Help With Equity Compensation
Equity compensation can be one of the most powerful — and confusing — parts of your financial picture. Whether it's stock options, RSUs, or performance-based awards, these benefits often come with complex rules, timelines, and tax considerations. My role is to help you understand how your equity compensation fits into your broader financial life and how to make thoughtful decisions along the way.
Why Work With Me on Equity Compensation
Equity compensation decisions often involve more than just numbers — they involve trade-offs, uncertainty, and timing. My approach is centered on clarity, education, and thoughtful planning.
I work with professionals who receive equity compensation and want help making sense of it within the context of their full financial lives. I focus on:
- Clear, straightforward explanations
- A disciplined, planning-based approach
- Coordination with other professionals when needed
- Ongoing guidance as circumstances change You don't need to have all the answers — that's what I'm here for.
What We Focus On Together
- Understanding your plan. Breaking down how your specific equity compensation works, in plain language.
- Timing and decision-making. Helping you think through key moments — vesting, exercise windows, and liquidity events — so decisions feel intentional rather than rushed.
- Risk and concentration awareness. Evaluating how much of your net worth and future income is tied to one company and discussing diversification considerations.
- Tax awareness (not tax advice). Helping you understand how equity compensation can interact with your broader tax picture and coordinating with your CPA when appropriate.
- Integration with your broader plan. Making sure equity compensation decisions support what matters most to you — whether that’s long-term growth, flexibility, or financial security.
I can help you navigate questions like:
- What do I actually have — and what is it worth today?
- When does it make sense to exercise or sell?
- How do vesting schedules and expiration dates affect my decisions?
- How does my equity compensation impact my tax picture?
- How concentrated is my wealth in one company, and what are my options?
Location
121 South Tejon St
Suite 700
Colorado Springs, CO 80903
US
Direct:
(719) 577-6310(719) 577-6310
Toll-Free:
(800) 225-1163(800) 225-1163
Fax:
(719) 473-3940(719) 473-3940
Meet My Team
Scott Martin, CRPS®
Senior Vice President, Financial Advisor, Portfolio Manager, Lending Specialist
Ann Ries, CFP®, CRPS®, CDFA®
Financial Advisor, First Vice President, Lending Specialist
Jorge Rodriguez, CIMA®, CFS
Financial Advisor, Vice President, Wealth Management, Executive Financial Services Director, Workplace Advisor - Equity Compensation, Financial Planning Specialist, Alternative Investments Director
Grace Lobato, CRPS®
Financial Advisor
Stella R. Esparza, CFP®
Financial Advisor
Jeff Jonasen
Business Development Director
Lanelle Morin
Portfolio Associate
Cheryl Cowan
Registered Client Service Associate
Evan Kay, CIMA®
Wealth Management Analyst
Arthur Marsden
Registered Client Service Associate
About David T Surofchek, CIMA®
David Surofchek started his tenure at Morgan Stanley in 2000. David earned his Bachelor's degree in Accounting from Ferris State University in Big Rapids, Michigan. David has a strong focus in Financial Planning, Alternatives Investments, and Working with Corporate Executives. He was named one of Forbes Best-in-State Wealth Advisors in 2019, 2020, 2021 and 2022, and was named to Barron's Top 1,200 Advisors list in 2021 and 2022.
David has 26 years of experience in the financial services industry. He is a Managing Director in Wealth Management, a Financial Advisor, an Executive Financial Services Director, and an Alternative Investments Director. His responsibilities include building deep relationships with his executive clients, who work for Fortune 100 companies. David focuses on his experience with high level executives - and is highly adept at building relationships and maintaining trust.
At his time at Ferris State University, David was a decorated collegiate wrestler, earning All-American honors all 4 years of eligibility and finishing as a national runner-up his senior year. After college competition he lived at the Olympic training center for seven years whilst training for the Greco Roman Olympic team, and was named as an alternate for the 1996 and 2000 USA Olympic Greco Roman wrestling teams. David has continued his involvement with the USA Wrestling organization in different capacities over the years, including his involvement as a coach, volunteer, and as a donor. David and his wife now dedicate their time to their three sons, in helping them excel in their academic and athletic pursuits.
David has 26 years of experience in the financial services industry. He is a Managing Director in Wealth Management, a Financial Advisor, an Executive Financial Services Director, and an Alternative Investments Director. His responsibilities include building deep relationships with his executive clients, who work for Fortune 100 companies. David focuses on his experience with high level executives - and is highly adept at building relationships and maintaining trust.
At his time at Ferris State University, David was a decorated collegiate wrestler, earning All-American honors all 4 years of eligibility and finishing as a national runner-up his senior year. After college competition he lived at the Olympic training center for seven years whilst training for the Greco Roman Olympic team, and was named as an alternate for the 1996 and 2000 USA Olympic Greco Roman wrestling teams. David has continued his involvement with the USA Wrestling organization in different capacities over the years, including his involvement as a coach, volunteer, and as a donor. David and his wife now dedicate their time to their three sons, in helping them excel in their academic and athletic pursuits.
Securities Agent: WI, VA, SC, IL, NJ, ND, NC, MI, MD, KY, WY, SD, OK, NY, CT, AR, UT, TX, OR, NM, MS, ME, AL, MT, LA, HI, CO, VT, NV, NE, MO, MN, MA, ID, CA, IA, DE, DC, AZ, OH, KS, GA, WA, PA, IN, FL, TN, NH; General Securities Representative; Investment Advisor Representative; Managed Futures
About Scott Martin, CRPS®
Scott started in the financial industry in 1999 and holds the Chartered Retirement Plans Specialist professional designation. He resides in Colorado Springs with his wife Corina and their two children. He is an avid outdoors man and enjoys hiking, biking and camping with his family. Scott is originally from Wisconsin where swam competitively for the University of Wisconsin - Whitewater.
Securities Agent: IL, NE, IN, CT, CA, SD, OR, MO, AL, WA, OK, CO, VT, TX, TN, MS, UT, MN, WY, MD, ND, NC, OH, WI, MA, NY, KY, NM, ID, HI, IA, KS, FL, MT, GA, AR, SC, PA, NJ, NV, LA, ME, MI, AZ, VA, DC, NH, DE; General Securities Representative; Investment Advisor Representative
About Ann Ries, CFP®, CRPS®, CDFA®
Drawing upon her extensive experience in organizational and management roles, Ann offers a comprehensive range of financial services to her clients. Her primary focus encompasses investment planning, comprehensive financial planning, and assisting clients in achieving their short- and long-term financial objectives.
Ann embarked on her career journey with Morgan Stanley in 2005. Throughout that time, she has attained the CFP® (Certified Financial Planner) designation from the Certified Financial Planning Board in 2014, followed by the CRPS® (Certified Retirement Planning Specialist) designation from the College of Financial Planning in 2018. Additionally, Ann earned her CDFA (Certified Divorce Financial Analyst) designation from the Institute for Divorce Financial Analysts, further enriching her skillset.
Within Morgan Stanley's Wealth Management Division, Ann holds the position of Vice President and serves as a dedicated Financial Advisor. Her leadership extends beyond her professional role as she served as the Past-President of the Colorado Springs Estate Planning Council. Furthermore, she holds a National Security Advisor Certificate. Ann's educational foundation is built upon a B.S. degree in accounting, which she earned from the National American University in 1999. Complementing her bachelor's degree, she also holds an Associate of Applied Science degree.
Ann has been a resident of Colorado Springs since 1984. She finds joy in outdoor activities and treasures quality time spent with family and friends. Committed to community service, she regularly volunteers with Care and Share, contributing to charitable causes and will be a Board member for the “Colorado Springs Nursery Centers Foundation Board” starting in January of 2024.
Ann embarked on her career journey with Morgan Stanley in 2005. Throughout that time, she has attained the CFP® (Certified Financial Planner) designation from the Certified Financial Planning Board in 2014, followed by the CRPS® (Certified Retirement Planning Specialist) designation from the College of Financial Planning in 2018. Additionally, Ann earned her CDFA (Certified Divorce Financial Analyst) designation from the Institute for Divorce Financial Analysts, further enriching her skillset.
Within Morgan Stanley's Wealth Management Division, Ann holds the position of Vice President and serves as a dedicated Financial Advisor. Her leadership extends beyond her professional role as she served as the Past-President of the Colorado Springs Estate Planning Council. Furthermore, she holds a National Security Advisor Certificate. Ann's educational foundation is built upon a B.S. degree in accounting, which she earned from the National American University in 1999. Complementing her bachelor's degree, she also holds an Associate of Applied Science degree.
Ann has been a resident of Colorado Springs since 1984. She finds joy in outdoor activities and treasures quality time spent with family and friends. Committed to community service, she regularly volunteers with Care and Share, contributing to charitable causes and will be a Board member for the “Colorado Springs Nursery Centers Foundation Board” starting in January of 2024.
Securities Agent: NE, NC, AR, WA, OR, NM, MN, ME, KS, ID, IA, OH, NH, CT, AZ, WI, UT, MI, HI, CO, CA, WY, OK, ND, FL, DE, SD, NY, KY, DC, TX, MO, MA, GA, AL, VA, SC, PA, LA, IL, NV, MD, TN, NJ, MT, MS, IN, VT; General Securities Representative; Investment Advisor Representative
About Jorge Rodriguez, CIMA®, CFS
Jorge joined the team in 2012. He has held several positions within the team and currently focuses on assisting the advisors with financial planning, portfolio management, and client relationship management. Jorge holds a BS degree in Finance from the University of Colorado. In addition, he has completed the Accredited Portfolio Management Advisor course through the College for Financial Planning.
Jorge is an avid soccer fan and enjoys traveling in his spare time.
Jorge is an avid soccer fan and enjoys traveling in his spare time.
Securities Agent: AZ, SD, MT, FL, VT, OR, NM, NE, ND, MS, MN, ME, KS, IA, HI, DC, NC, KY, GA, CO, TX, CA, TN, PA, IN, IL, DE, CT, AL, WI, NY, MI, OK, OH, NJ, NH, ID, AR, WA, SC, MO, MA, LA, WY, VA, MD, UT, NV; General Securities Representative; Investment Advisor Representative
About Grace Lobato, CRPS®
Grace is a passionate and client-focused Financial Advisor at Morgan Stanley with six years of experience helping individuals and families plan for what matters most—today and for generations to come. She brings a fresh perspective to wealth management, with a strong emphasis on next-generation planning and a deep commitment to building and maintaining meaningful client relationships.
Grace holds a Bachelor of Science in Marketing and a Master of Business Administration from Colorado State University–Pueblo. She also holds the Chartered Retirement Plans Specialist℠ (CRPS®) designation and is a designated professional in Equity Compensation. Her approach is grounded in strategy, transparency, and care—developing tailored plans that reflect each client’s unique goals and values.
Outside the office, Grace enjoys staying active, exploring the outdoors, and spending quality time with her family and friends.
Grace holds a Bachelor of Science in Marketing and a Master of Business Administration from Colorado State University–Pueblo. She also holds the Chartered Retirement Plans Specialist℠ (CRPS®) designation and is a designated professional in Equity Compensation. Her approach is grounded in strategy, transparency, and care—developing tailored plans that reflect each client’s unique goals and values.
Outside the office, Grace enjoys staying active, exploring the outdoors, and spending quality time with her family and friends.
Securities Agent: WA, HI, WY, WI, WV, RI, LA, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT; General Securities Representative; Investment Advisor Representative
About Stella R. Esparza, CFP®
Securities Agent: OH, WI, SC, PA, NH, DE, SD, NY, NE, LA, KY, MD, KS, AL, CO, ME, IA, ND, ID, DC, CA, VA, TX, NM, WY, VT, IL, FL, AZ, TN, IN, HI, GA, AR, OK, NJ, MS, MN, MA, CT, WA, UT, OR, NV, NC, MT, MO, MI; General Securities Representative; Investment Advisor Representative
About Jeff Jonasen
Jeff Jonasen has worked in the financial services industry since 2005. The early years of his career were spent supporting retirement plan participants with their 401k needs at T. Rowe Price. In 2008, Jeff joined Charles Schwab where he worked in variety of capacities, leading multiple business units. During his professional career Jeff has led multiple teams of financial services professionals in supporting corporate clients and plan participants with their financial wellness needs.
Jeff has a bachelor’s degree in Business Administration from Colorado Mesa University, and holds his FINRA Series 6, 7, 63, 66, 9 & 10 securities licenses.
In his spare time, you will find Jeff making memories with his wife Shelly and two boys Ryker and Weston. They enjoy spending their family time in the mountains fly fishing, biking, hiking, and snowboarding.
Jeff has a bachelor’s degree in Business Administration from Colorado Mesa University, and holds his FINRA Series 6, 7, 63, 66, 9 & 10 securities licenses.
In his spare time, you will find Jeff making memories with his wife Shelly and two boys Ryker and Weston. They enjoy spending their family time in the mountains fly fishing, biking, hiking, and snowboarding.
About Evan Kay, CIMA®
Evan began working at Morgan Stanley in September 2022 as a Client Service Associate. Evan spent the previous two years working as a tax preparer for Nelson & Company in Colorado Springs straight out of college.
Evan graduated from Colorado State University in 2018, receiving a dual degree in Accounting and Corporate Finance. While there, he was a member in clubs of both Accounting and Finance, and excelled (or tried) in every intramural sport available. He then returned in 2019 to complete his Masters in Accountancy with a concentration in taxation.
Evan is a licensed, non-practicing CPA who wishes to use this dedicated knowledge to help the team in any aspect. When Evan is not working or studying for his next exam, you can find him watching his favorite sports teams or on the golf course.
Evan graduated from Colorado State University in 2018, receiving a dual degree in Accounting and Corporate Finance. While there, he was a member in clubs of both Accounting and Finance, and excelled (or tried) in every intramural sport available. He then returned in 2019 to complete his Masters in Accountancy with a concentration in taxation.
Evan is a licensed, non-practicing CPA who wishes to use this dedicated knowledge to help the team in any aspect. When Evan is not working or studying for his next exam, you can find him watching his favorite sports teams or on the golf course.
Awards and Recognition
Forbes Best-In-State Wealth Advisors
2023-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2023-2025). 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
2023-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
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Wealth Management
Global Investment Office
Portfolio Insights
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Jason Chao 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.
1Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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.
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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7When 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.
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 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.
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
1Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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.
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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7When 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.
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 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.
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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
