Gary W Jbara, CIMA®, CRPS®
Managing Director, Wealth Management, Financial Advisor, Senior Institutional Consultant, Corporate Retirement Director, Family Wealth Director, Government Entity Specialist
Phone:
(800) 819-0949(800) 819-0949
Jbara and Rogers Financial Management Group at Morgan Stanley
(800) 819-0949(800) 819-0949
Toll-Free:
(800) 819-0949(800) 819-0949
Industry Award WinnerOur Mission Statement
We help individual investors and organizations solve complex financial challenges to help them achieve their investment goals.
COMMITMENT TO YOUR GOALS. WELL-INFORMED ADVICE. COMPREHENSIVE CLIENT SUPPORT.
Since 1985 through all market conditions, Managing Directors Gary W. Jbara and Mark J. Rogers have maintained their commitment to provide sound advice to help our clients achieve their financial goals. Long-term relationships with family offices, institutional investors, high-net-worth private clients, and corporate retirement plan sponsors give us knowledge earned from advising clients with a diverse range of investment needs.
Our team of eleven experienced financial services professionals delivers exceptional client services to investors throughout the United States from offices in Farmington Hills, Michigan. We deliver the resources of a large institution with the personal engagement of a family business.
Whether you are planning for the benefit of a college endowment; community or private foundation; small business; or for the future of your family, we help you create a comprehensive financial strategy based on your unique investment goals and spending policy. Please contact us to determine if we can help you make well-informed, confident financial decisions
Services Include
- Wealth ManagementFootnote1
- Institutional ServicesFootnote2
- Endowments and FoundationsFootnote3
- Retirement PlanningFootnote4
- Equity Compensation
- Corporate Retirement PlansFootnote5
- Defined Contribution PlansFootnote6
- Executive Financial ServicesFootnote7
- Estate Planning StrategiesFootnote8
- Philanthropic Services
- Planning for Individuals with Special Needs
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Qualifications
With four decades as Financial Advisors, we believe we offer clients a depth of skills and knowledge that is seldom found in one Financial Advising team.
Managing Directors
Through experience, training, and asset growth, Mark Rogers and Gary Jbara have earned the title of Managing Director at Morgan Stanley.
Certified Investment Management Analysts (CIMA®)
Committed to providing their clients with the deepest level of investment knowledge and best practices in the industry, Mark and Gary earned their Certified Investment Management Analysts (CIMA®) designation from the Wharton School of Business at University of Pennsylvania.
Senior Institutional Consultants
Mark and Gary are Senior Institutional Consultants with extensive experience advising institutional clients. Through our affiliation with Consulting Group, we leverage global resources from across the firm to provide access to advice and investment manager analysis, while bringing you a personalized and local perspective.
Corporate Retirement Director
The Corporate Retirement Director designation qualifies Gary to offer advanced resources and services for the administration of retirement plans, such at 401(k) and 403(b) Plans, Pension Plans and Non-Qualified Deferred Compensation Plans. Our team delivers customized strategies to help ensure employee retirement readiness, negotiate plan expenses and guide investment oversight and selection.
Family Wealth Directors
Mark and Gary are Family Wealth Directors because they completed the rigorous training to offer clients and family offices access to ultra-high net worth resources and solutions. The designation allows them to provide clients who have a net worth greater than $10 million with a truly differentiated experience that leverages the expansive resources of Morgan Stanley and our resource partners.
Financial Wellness Director
Mark Rogers is a Financial Wellness Director which allows him comprehensive access to the financial wellness offerings of Morgan Stanley at Work (“MS @ Work”). Mark provides resources including Financial Wellness Digital Tools, Financial Planning, and Financial Education that HR Directors and companies can deliver to employees.
Investing with Impact Director
John Rogers earned Morgan Stanley's Investing with Impact Director designation because of his experience and leadership in working with clients that are motivated to generate positive environmental and social impact alongside market-rate financial returns. Investing with Impact Directors have access to firm-wide resources to differentiate them as specialists in the area of Impact Investing.
Qualified Plan Financial Consultant (QPFC)
Jeff Rogers earned the Qualified Plan Financial Consultant (QPFC) designation, demonstrating experience in retirement planning concepts, plan features, administration, compliance, investment, fiduciary and ethics concerns.
Our team offers Institutional Clients access to world-class global resources.
Our affiliation with Morgan Stanley’s Consulting Group leverages global resources from across the firm to provide access to advice and investment manager analysis, while bringing you a personalized and local perspective. You gain access to specialists dedicated to investment manager analysis and unbiased strategies using an open architecture platform to help you manage complexity, optimize investment return potential, and align your mission with your investment decisions.
Our team guides clients through the investment process, which includes organizational assessment, investment policy review, asset allocation study, investment manager evaluation, performance reporting and ongoing monitoring. Whether you are planning for the benefit of a college endowment; community or private foundation; or for the future of your family, we help you create a comprehensive financial strategy based on your unique investment and spending policy.
Our team guides clients through the investment process, which includes organizational assessment, investment policy review, asset allocation study, investment manager evaluation, performance reporting and ongoing monitoring. Whether you are planning for the benefit of a college endowment; community or private foundation; or for the future of your family, we help you create a comprehensive financial strategy based on your unique investment and spending policy.
Strategic planning allows our clients to prepare for Retirement.
For 40 years, we’ve helped clients create customized plans for retirement based on their individual goals and risk tolerance rather than fitting their investments into an existing model. Our process includes cash flow analysis, social security modeling, analysis regarding taking a lump sum versus a monthly pension income, and asset/liability measurement to meet your spending needs.
Location
35055 W 12 Mile Rd.
Ste 101
Farmington Hills, MI 48331
US
Direct:
(800) 819-0949(800) 819-0949
Toll-Free:
(800) 819-0949(800) 819-0949
277 S. Rose Street
Kalamazoo, MI 49007
US
2001 Commonwealth Blvd
Ann Arbor, MI 48105
US
Direct:
(734) 827-0555(734) 827-0555
2001 Commonwealth Blvd.
Ann Arbor, MI 48105
US
Direct:
(734) 827-0555(734) 827-0555
Meet Jbara and Rogers Financial Management Group
Mark J Rogers, CIMA®
Managing Director, Wealth Management, Financial Advisor, Senior Institutional Consultant, Family Wealth Director, Financial Wellness Director, Government Entity Specialist
Phone:
(800) 819-0949(800) 819-0949
John G. Rogers
Vice President, Financial Advisor, Senior Institutional Consultant, Investing with Impact Director, Government Entity Specialist
Phone:
(248) 848-8077(248) 848-8077
Jeffrey K. Rogers, QPFC
Vice President, Investment Consultant
Phone:
(248) 848-8045(248) 848-8045
Christine A. Varvatos
Consulting Group Analyst
Phone:
(248) 848-8032(248) 848-8032
Zak Keasey
Consulting Group Analyst
Phone:
(248) 848-8068(248) 848-8068
Stacy Cataldo
Consulting Group Analyst
Phone:
(248) 848-8720(248) 848-8720
Jessica M. Steward
Client Service Associate
Phone:
(248) 848-8705(248) 848-8705
Yvonne McMillan
Client Service Associate
Phone:
(248) 848-8787(248) 848-8787
Connie Wicks-Reiter
Registered Client Service Associate
Phone:
(248) 848-8034(248) 848-8034
Stacey Rogers
Client Service Associate
Phone:
(248) 848-8028(248) 848-8028
Karen A. Jbara
Team Administrative Assistant
Phone:
(248) 848-8052(248) 848-8052
About Gary W Jbara
Gary W. Jbara, CIMA®, CRPS®, Managing Director, Senior Institutional Consultant, Family Wealth Director, and Corporate Retirement Director, has worked in the investment and financial consulting industry since 1985. Gary serves as a lead consultant and oversees strategic portfolio construction, asset allocation strategy, investment policy analysis, market research and day-to-day investment management responsibilities for client portfolios.
As a Senior Institutional Consultant, Gary provides comprehensive resources for institutional investors. These services include asset/liability studies, investment policy statement analysis, spending policy analysis, investment manager research and donor advised fund administration. In addition to asset management, Gary conducts committee and board member educational workshops and provides assistance with donor recruitment and education.
The Corporate Retirement Director designation enables Gary to offer advanced resources and services for the administration of retirement plans, such at 401(k)’s, cash balance and defined benefit plans. Gary can offer contracted services to clients, including enhanced assistance with vendor selection and investment reviews, manager selection, and 3(21) or 3(38) fiduciary oversight.
Gary earned the IMCA Certified Investment Management Analyst (C.I.M.A.) designation from Wharton School of Business, University of Pennsylvania. He holds a Chartered Retirement Plan Specialist designation from the College of Financial Planning. He is a member of Investments & Wealth Institute (IWI) and a member of the Association of Professional Investment Consultants (APIC.) Gary received a Bachelor of Science degree in Mathematics and Business from the University of Notre Dame and an MBA from the University of Michigan. He is a past president and active member of the Notre Dame Club of Detroit.
As a Senior Institutional Consultant, Gary provides comprehensive resources for institutional investors. These services include asset/liability studies, investment policy statement analysis, spending policy analysis, investment manager research and donor advised fund administration. In addition to asset management, Gary conducts committee and board member educational workshops and provides assistance with donor recruitment and education.
The Corporate Retirement Director designation enables Gary to offer advanced resources and services for the administration of retirement plans, such at 401(k)’s, cash balance and defined benefit plans. Gary can offer contracted services to clients, including enhanced assistance with vendor selection and investment reviews, manager selection, and 3(21) or 3(38) fiduciary oversight.
Gary earned the IMCA Certified Investment Management Analyst (C.I.M.A.) designation from Wharton School of Business, University of Pennsylvania. He holds a Chartered Retirement Plan Specialist designation from the College of Financial Planning. He is a member of Investments & Wealth Institute (IWI) and a member of the Association of Professional Investment Consultants (APIC.) Gary received a Bachelor of Science degree in Mathematics and Business from the University of Notre Dame and an MBA from the University of Michigan. He is a past president and active member of the Notre Dame Club of Detroit.
Securities Agent: MO, SD, OK, FL, VA, NJ, MN, MI, IN, DC, CA, VT, SC, OR, MD, AZ, AL, PA, NE, LA, OH, NH, NC, MA, CO, WI, NV, CT, GA, UT, TN, KS, HI, WA, IL, IA, DE, TX, NY; General Securities Representative; Investment Advisor Representative
About Mark J Rogers
Mark J. Rogers, CIMA®, Managing Director, Senior Institutional Consultant, Family Wealth Director, and Financial Wellness Director, has worked in the investment and financial consulting industry since 1985. He serves as a lead consultant and oversees strategic portfolio construction, asset allocation strategy, investment policy analysis, market research and day-to-day investment management responsibilities for client portfolios.
As a Family Wealth Director, Mark provides an integrated approach to planning through Family Office. The business unit leverages sophisticated resources and exclusive tailored investment opportunities to help meet the complex needs of investors with significant wealth. These services include access to lending services, art advisory, personal and business risk management, wealth transfer strategies, family governance advising, impact investing and philanthropy coordination.
Mark Rogers is a Financial Wellness Director, which allows him comprehensive access to the financial wellness offerings of Morgan Stanley at Work (“MS @ Work”). Mark provides resources including Financial Wellness Digital Portal, Financial Planning, Financial Education that HR Directors and companies can deliver to employees.
Mark earned the IMCA Certified Investment Management Analyst® (CIMA®) designation from Wharton School of Business, University of Pennsylvania. He is a member of Investments & Wealth Institute (IWI). He graduated from Michigan State University with a Bachelor of Arts degree in Business/Economics. Mark is founder and chair of the Birmingham Country Club Business Roundtable, a business networking group.
As a Family Wealth Director, Mark provides an integrated approach to planning through Family Office. The business unit leverages sophisticated resources and exclusive tailored investment opportunities to help meet the complex needs of investors with significant wealth. These services include access to lending services, art advisory, personal and business risk management, wealth transfer strategies, family governance advising, impact investing and philanthropy coordination.
Mark Rogers is a Financial Wellness Director, which allows him comprehensive access to the financial wellness offerings of Morgan Stanley at Work (“MS @ Work”). Mark provides resources including Financial Wellness Digital Portal, Financial Planning, Financial Education that HR Directors and companies can deliver to employees.
Mark earned the IMCA Certified Investment Management Analyst® (CIMA®) designation from Wharton School of Business, University of Pennsylvania. He is a member of Investments & Wealth Institute (IWI). He graduated from Michigan State University with a Bachelor of Arts degree in Business/Economics. Mark is founder and chair of the Birmingham Country Club Business Roundtable, a business networking group.
Securities Agent: OH, NY, NE, NC, SD, RI, ME, IL, GA, FL, CO, WA, LA, SC, DC, AK, VA, CT, OR, MO, MI, MA, CA, AZ, WI, MD, KS, IN, UT, TX, PA, KY, MT, TN, OK, NJ, MN; General Securities Representative; Investment Advisor Representative
About John G. Rogers
John G. Rogers, Senior Institutional Consultant and Investing with Impact Director, serves as relationship manager for the group’s nonprofit, corporate and individual clients. He leads the groups’ Morgan Stanley at Work financial wellness program, Small Business pooled retirement plans, and its mission and sustainable investing initiatives.
Forbes Magazine named John to its list of Best-in-State Top Next Generation Wealth Advisors in 2024.
John is an Investing with Impact Director, a designation at the firm for specialization in the impact investing space. He serves on the Morgan Stanley Impact Alternatives Advisory Council. John spent a year as a product specialist at Morgan Stanley’s Consulting Group national headquarters in Wilmington, Delaware. He graduated from Northwestern University in 2012 with a Bachelor of Arts Degree in History, a minor in Business Institutions and a Certificate in Leadership. John is an active member of the Detroit Country Day School Alumni Board.
Forbes Top Next-Gen Wealth Advisors Best-in-State (2024)
Source: Forbes.com (Awarded Aug 2024) Data compiled by SHOOK Research LLC for the period 3/31/23 - 3/31/24.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Forbes Magazine named John to its list of Best-in-State Top Next Generation Wealth Advisors in 2024.
John is an Investing with Impact Director, a designation at the firm for specialization in the impact investing space. He serves on the Morgan Stanley Impact Alternatives Advisory Council. John spent a year as a product specialist at Morgan Stanley’s Consulting Group national headquarters in Wilmington, Delaware. He graduated from Northwestern University in 2012 with a Bachelor of Arts Degree in History, a minor in Business Institutions and a Certificate in Leadership. John is an active member of the Detroit Country Day School Alumni Board.
Forbes Top Next-Gen Wealth Advisors Best-in-State (2024)
Source: Forbes.com (Awarded Aug 2024) Data compiled by SHOOK Research LLC for the period 3/31/23 - 3/31/24.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: LA, DC, OK, FL, PA, OH, IL, CO, NC, GA, WI, WA, TX, SC, NE, MD, HI, VA, IN, TN, NY, NJ, KS, AZ, SD, MI, MA, CT, CA, UT, OR, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 1431030
NMLS#: 1431030
About Jeffrey K. Rogers
Jeffrey K. Rogers, Vice President at Morgan Stanley, serves as Investment Consultant for the group. Jeff is a relationship manager for "DIY" investors from E*TRADE that have advanced financial planning and investment management needs and require the resources of our global firm.
He works with corporate HR and Finance leaders to deliver the technology of Morgan Stanley at Work, a leading workplace financial benefits solution for businesses that are looking to attract and retain key employees through equity solutions, deferred compensation and retirement plans.
Jeff earned the Qualified Plan Financial Consultant (QPFC) designation, demonstrating experience in retirement planning concepts, plan features, administration, compliance, investment, fiduciary and ethics concerns.
Jeff graduated from Northwestern University in 2014 with a Bachelor of Arts Degree in Communications, a minor in Business Institutions and Certificates in Leadership and Integrated Marketing. Before joining Morgan Stanley, Jeff spent five years in the marketing and technology fields.
He works with corporate HR and Finance leaders to deliver the technology of Morgan Stanley at Work, a leading workplace financial benefits solution for businesses that are looking to attract and retain key employees through equity solutions, deferred compensation and retirement plans.
Jeff earned the Qualified Plan Financial Consultant (QPFC) designation, demonstrating experience in retirement planning concepts, plan features, administration, compliance, investment, fiduciary and ethics concerns.
Jeff graduated from Northwestern University in 2014 with a Bachelor of Arts Degree in Communications, a minor in Business Institutions and Certificates in Leadership and Integrated Marketing. Before joining Morgan Stanley, Jeff spent five years in the marketing and technology fields.
About Christine A. Varvatos
Christine A. Varvatos, Institutional Consulting Analyst, develops customized client account reporting and prepares detailed performance analytics and alternative investment reports. Supported by our Global Investment Manager Analysis (GIMA) team, Chris conducts investment manager due diligence and prepares attribution reporting. She compiles fund updates and assists in the reconciliation of statements for our institutional clients. Christine works with third party administrators, custodians and trustees in facilitating quarterly billing of institutional and retirement plan accounts.
Christine earned a BBA in Accounting from Western Michigan University and a Master's of Science in Taxation from Walsh College. She holds Series 7 and Series 66 Licenses. Christine's experience as a CPA (non-practicing) provides clients with a distinctive resource.
Christine earned a BBA in Accounting from Western Michigan University and a Master's of Science in Taxation from Walsh College. She holds Series 7 and Series 66 Licenses. Christine's experience as a CPA (non-practicing) provides clients with a distinctive resource.
About Zak Keasey
Zak Keasey is a registered associate who executes trades on behalf of individual investors and institutional clients. He compiles client account reporting, performs investment manager research, and runs performance analytics. He assists institutional clients with spending illustrations and wealth transfer scenarios. Zak worked in international equity sales in New York before joining Morgan Stanley. His career as a player in the National Football League taught him the value of focusing on goals and teamwork. Zak earned a Bachelor of Arts degree in Sociology from Princeton. He holds Series 7 and Series 66 licenses. Zak uses his analytical skills to evaluate, rebalance and maintain client portfolios.
About Stacy Cataldo
Stacy Cataldo develops customized client account reporting and prepares detailed performance analytics and alternative investment reports. Supported by Morgan Stanley's Global Investment Manager Analysis (GIMA) team, Stacy conducts investment manager due diligence and prepares attribution reporting. She compiles fund updates and assists in the reconciliation of statements for our institutional clients. She works with third party administrators, custodians, and trustees in facilitating quarterly billing of institutional and retirement plan accounts. She prepares reports for quarterly investment committee meetings.
Stacy Cataldo holds a Bachelor of Science in Accounting from Oakland University and a Master of Science in Finance and Post-Graduate Certificate in Finance from Walsh College. She holds Series 7 and Series 66 Licenses. Stacy is a Certified Treasury Professional and a member of Association of Finance Professionals. Before joining the team, Stacy worked at a college for nearly 17 years as a manager doing various accounting and finance work. Her experience at the college and as an accountant for small businesses helps her understand the importance of financial reporting from a client’s perspective.
Stacy Cataldo holds a Bachelor of Science in Accounting from Oakland University and a Master of Science in Finance and Post-Graduate Certificate in Finance from Walsh College. She holds Series 7 and Series 66 Licenses. Stacy is a Certified Treasury Professional and a member of Association of Finance Professionals. Before joining the team, Stacy worked at a college for nearly 17 years as a manager doing various accounting and finance work. Her experience at the college and as an accountant for small businesses helps her understand the importance of financial reporting from a client’s perspective.
About Jessica M. Steward
Jessica Francis oversees account operations and works closely with our clients to handle their service requests. She collaborates with the team to keep the group’s operations running smoothly. Jessica connects clients with exclusive Morgan Stanley services such as Lifestyle Advisory Services for high-net-worth clients and the Reserved Living and Giving Loyalty Program, which connects clients who qualify with discounts on premium brands. She manages stock donations for our institutional clients. Jessica earned her Bachelor of Science degree in Secondary Education with a major in Mathematics from Central Michigan University. Jessica is dedicated to making sure each client’s account needs are addressed promptly and efficiently.
About Yvonne McMillan
Yvonne McMillan manages new account openings and account administration for our clients. She began her career in banking in 2005. Yvonne’s experience makes her well-qualified to provide efficient customer service and account support. She helps clients aggregate their accounts online and access cybersecurity tools. Yvonne focuses in account administration when families face the need to transfer assets to future generations. She graduated from Hillsdale College with a Bachelor of Arts degree in International Business from Hillsdale College. Yvonne’s attention to detail helps her identify each client’s unique situation and connect them with firm services and solutions.
About Connie Wicks-Reiter
Connie Wicks-Reiter helps clients schedule and prepare for meetings with our financial advisors. She facilitates clients’ day-to-day account transactions. She assists clients who open new accounts and helps keep their account information up to date. Before joining the team at Morgan Stanley, Connie held various positions in the financial industry and in marketing. She graduated from Cleary University in Howell, Michigan with a Bachelor of Business Administration in Marketing.
About Stacey Rogers
Stacey Rogers develops client communications, organizes client events and creates marketing materials for the group. She can assist institutional clients with preparing promotional pieces related to fundraising and donor awareness. Stacey has a Masters in Advertising and a Bachelor of Arts in Advertising from Michigan State University. Stacey develops strategies to inform clients about services and benefits available at Morgan Stanley.
About Karen A. Jbara
Karen Jbara compiles client performance updates and prepares meeting materials. She connects with clients in preparation for meetings with the team’s financial advisors. Early in her career she was a sales representative with Information Builders and Unysis Corporation. Karen received a Bachelor of Science degree in Business Administration from Central Michigan University with a major in Marketing Communications. Karen applies her organizational skills to help clients stay informed about their portfolios.
Contact Gary W Jbara
Contact Mark J Rogers
Contact John G. Rogers
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2023-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Barron's Top 1,200 Financial Advisors: State-by-State
2024-2025 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State) Source: Barrons.com (Awarded 2024-2025). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Forbes America's Top Wealth Advisors
2018-2025 Forbes America's Top Wealth Advisors Source: Forbes.com (Awarded 2018-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of the year the award was issued.
NAPA's Top DC Advisor Teams
2017-2021, 2023-2025 NAPA's Top DC Advisor Teams Source: Source: napa-net.org (Awarded 2017-2021, 2023-2025) Data compiled by NAPA based on self-reported assets under advisement as of Dec 31 of the year prior to year the award was given.
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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.
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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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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Ready to start a conversation? Contact Jbara and Rogers Financial Management Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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.
3Morgan 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.
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.
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 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 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Awards Disclosures | Morgan Stanley
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 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.
3Morgan 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.
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.
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 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 and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
