Przemek Zolopa, CFA®
Registered Associate
Phone:
(631) 755-8901(631) 755-8901
Jennifer A Segura, CFP®, CRPC®
Senior Vice President,
Financial Advisor,
Family Wealth Advisor,
Investment Management Consultant
Direct:
(631) 755-8829(631) 755-8829
Toll-Free:
(800) 477-7522(800) 477-7522
My Mission Statement
Excellence in family wealth planning for your family's unique goals
Welcome
Jennifer A. Segura is a Senior Vice President with Morgan Stanley. Jennifer began her investment career in 1996 by joining Morgan Stanley and its predecessors after having graduated from Hofstra University. Jennifer earned her Certified Financial Planner and Chartered Retirement Planning Counselor designations in 2007.
Jennifer’s practice centers on High Net Worth Individuals and Corporate Executives of Fortune 500 Companies. She focuses on helping individuals and their families manage all aspects of their financial lives. Jennifer’s wealth management approach is consultative, objective and committed to excellence. The wealth management process begins with a comprehensive financial plan. She believes a smart financial plan is a roadmap to life’s most important events.
Together with her experience, knowledge and the firm’s capabilities and resources, Jennifer develops and implements strategies in Lifestyle, Risk, Asset and Liabilities Management. She often collaborates with her client’s tax and legal advisors to develop tax efficient strategies that help optimize their overall financial situation. She is devoted to making a difference in the financial well-being of her clients.
Jennifer has earned membership in the Morgan Stanley Century Club for top wealth advisors in 2019, 2020, 2021, 2022, and 2023. She has been named Forbes Best in State Wealth Advisors in 2022 and 2024, Forbes Top Women Wealth Advisors in 2020, 2021, 2022, 2023, 2024, and 2025, and Working Mother and Shook Research Top Wealth Advisor Moms in 2020, 2021. Jennifer is a Mentoring Committee Member of the Morgan Stanley’s Women in Wealth LIFT Council and a member of APIC.
Jennifer has been married since 2000 to her husband John. They reside in Glen Cove, NY and have two children. John is an entrepreneur and owns his own business in the beauty industry. Outside of work, Jennifer enjoys skiing, visiting new destinations, new adventures with her children and traveling back to Peru, South America to see her family.
2022, 2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022, 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2020-2025 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In-State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (2020-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2021, 2020 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2021, 2020). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
Jennifer’s practice centers on High Net Worth Individuals and Corporate Executives of Fortune 500 Companies. She focuses on helping individuals and their families manage all aspects of their financial lives. Jennifer’s wealth management approach is consultative, objective and committed to excellence. The wealth management process begins with a comprehensive financial plan. She believes a smart financial plan is a roadmap to life’s most important events.
Together with her experience, knowledge and the firm’s capabilities and resources, Jennifer develops and implements strategies in Lifestyle, Risk, Asset and Liabilities Management. She often collaborates with her client’s tax and legal advisors to develop tax efficient strategies that help optimize their overall financial situation. She is devoted to making a difference in the financial well-being of her clients.
Jennifer has earned membership in the Morgan Stanley Century Club for top wealth advisors in 2019, 2020, 2021, 2022, and 2023. She has been named Forbes Best in State Wealth Advisors in 2022 and 2024, Forbes Top Women Wealth Advisors in 2020, 2021, 2022, 2023, 2024, and 2025, and Working Mother and Shook Research Top Wealth Advisor Moms in 2020, 2021. Jennifer is a Mentoring Committee Member of the Morgan Stanley’s Women in Wealth LIFT Council and a member of APIC.
Jennifer has been married since 2000 to her husband John. They reside in Glen Cove, NY and have two children. John is an entrepreneur and owns his own business in the beauty industry. Outside of work, Jennifer enjoys skiing, visiting new destinations, new adventures with her children and traveling back to Peru, South America to see her family.
2022, 2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022, 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2020-2025 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In-State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (2020-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2021, 2020 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2021, 2020). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
Securities Agent: CO, NY, PA, GA, CT, DE, OR, VT, HI, TX, NM, MN, SC, NJ, FL, WA, CA, VA, NV, MD, MA, IL, ID, DC, AZ, AL, NC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1301105
NMLS#: 1301105
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Suite of Digital Tools
Digital technology is centered on how people communicate, consume, transact, travel and learn. Our comprehensive suite of digital tools is designed to help enhance every aspect of your financial life.
Morgan Stanley Online
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with one click using eAuthorizations.
Morgan Stanley Online
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Link and Add External AccountsThe ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Goals Planning System
Our Goals Planning System (GPS) is an innovative platform built on Morgan Stanley's intellectual capital and capabilities, to provide our clients with comprehensive investing and planning solutions for their individual goals.
Learn More About GPS
Portfolio Risk Platform - Powered by Aladdin
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Learn How We Mitigate Client RiskWorking With You
I am committed to understanding you, your goals, and your family's priorities. I strive to develop long-lasting relationships that span generations, while helping you transition through all the financial and life planning phases. My mission is to provide you with a comprehensive financial planning process, by utilizing a team approach. Each individual's situation is complex and different, which is why I recognize the importance of personalized attention and customized plans. My experience, capabilities, and the firm's resources are put to work for you and your family to help you accomplish your goals. I am Series 7, 31, 63 and 65 licensed, and also am life and health insurance licensed. In addition, I hold the designations of CFP and CRPC, and have been named a Morgan Stanley Century Club Member since 2019. These designations provide me with the knowledge and resources necessary to help plan for my clients and their families. My clients are important to me and I value their trust. I envision for them what I do for my own family and strive to provide a high level of service and advice.
Jennifer A. Segura Named a Forbes' Top Women Wealth Advisor 2021, 2020
Jennifer A. Segura named a Working Mother and SHOOK Research's Top Wealth Advisor Mom 2021, 2020
Jennifer A. Segura Named a Forbes Top Women Wealth Advisor Best-In-State 2025, 2024, 2023, 2022, 2021, 2020
Jennifer A. Segura Named a Forbes Best-In-State Wealth Advisor 2024, 2022
MARKET AND RESEARCH
I strive to make complex financial ideas more digestible so that my clients understand what is being done on their behalf to plan for their financial future. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
U.S. Policy Pulse
Learn more about the 2024 General Election Results and the Individual Investor. In this report we discuss the financial and investment implications that could spring from the 2024 general election.
Read The Latest Report
On The Markets Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy, and more.
Read The Latest Report
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen To The Latest Episode
Wealth Management Insights Audiocasts
Tune in to timely market commentary from Wealth Management strategists.
Listen To The Latest Episode
A Simple Six Step Retirement Checkup
When market volatility arises, checking in on your retirement plan may make a lot of sense.
Read Here
Featured Article of the Month - Preferred Savings Program
Make The Most of Your Cash 5.00% APY* Preferred Savings Program for Qualifying Cash
Read HereIntelligent Planning At Your Fingertips
To make the onboarding process as simple as possible we have gathered some of our most essential resources here at Morgan Stanley. You can find more information and steps to getting started below.
LifeView Financial Goal Analysis and Financial Plan
This questionnaire will help us create a personalized strategy for you and can enhance our conversation around your long-term goals.
To View Questionnaire
Access Your Tax Forms on Morgan Stanley Online (MSO)
1. Log into your account via Morgan Stanley Online
2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
Log into Morgan Stanley Online here2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
Tax Filing Checklist
The countdown to Tax Day has begun. Here are some strategies to consider as the deadline approaches.
Read more here
Morgan Stanley Online (MSO)
Seamlessly and securely manage your finances all in one place. With Morgan Stanley online you can view your accounts, transfer money, see your total wealth, make deposits on the go and more.
Get started here
Morgan Stanley Money Movement Instructions
Our step by step guide lays out the foundation and walks you through the process of transferring money from Morgan Stanley to another bank or vice versa.
Learn how to transfer money here
Total Wealth View
Total Wealth View allows you to add your non Morgan Stanley accounts into one place. This allows a clearer more holistic view of your entire financial picture and is a great up to date snap shot of your total net worth.
Learn how to get started here
Digital Vault
Digital Vault let's you easily and securely manage and store life's documents such as wills, deeds and estate plans as well as financial statements and tax filings.
Getting started with Digital Vault
Wire Transfers
For directions regarding US Dollar denominated wires used to fund Morgan Stanley accounts please reference the link below.
Wire transfer instructions
Morgan Stanley American Express Credit Card
Check out Morgan Stanley's American Express Credit Card for elevated benefits, 2x membership rewards points on select purchases and more.
Learn more here
Reserved Living and Giving
Save on travel, dining, holiday gifts and more with Morgan Stanley's Reserved Living and Giving program.
Learn about the benefits
VoiceID
VoiceID works by creating and storing a voiceprint, a unique representation of your voice that is used to confirm your identity when you call the Morgan Stanley Service Center. Having your voiceprint on file reduces the risk of fraud by helping protect you from individuals who may attempt to gain unauthorized access to your accounts.
Learn more here
Raising Money-Savvy Kids
As a parent, you want to prepare your children for a lifetime of success. Teaching your kids about the value of money, how to earn it, what you can do with it, and what it means to you can help them establish a healthy relationship with money so they can make smart, informed decisions about their financial futures.
Read more here
Liquidity Access Line
As rates rise, we’re here to help with potential financing options for virtually any of your personal or business goals. One option would be a Liquidity Access Line, which is a securities based line of credit that uses the eligible securities in your Morgan Stanley brokerage account as collateral without disrupting your long-term investment strategy.
Watch the video here
CashPlus Brokerage Account - Experian®
The CashPlus Brokerage Account is a modern alternative to banking which also offers complimentary Identity and Credit Protection from Experian®, helping to safeguard your identity and financial future.
Watch the video hereLocation
58 South Service Rd
Ste 400
Melville, NY 11747
US
Direct:
(631) 755-8829(631) 755-8829
Toll-Free:
(800) 477-7522(800) 477-7522
Fax:
(631) 237-3347(631) 237-3347
Meet My Team
About Przemek Zolopa, CFA®
Przemek “Peter” Zolopa is a Portfolio Associate at Morgan Stanley. Przemek began his career at Morgan Stanley in 2017 after graduating from Stony Brook University with a degree in Finance and Economics.
Przemek brings a strong work ethic to the team. He is an integral part of the client service experience and leads the mutual fund portfolios. Przemek holds the Chartered Financial Analyst® (CFA®) designation, a globally recognized professional designation focused on security analysis and portfolio management. He combines his knowledge and expertise with the firm’s resources and capabilities to help make a difference in clients financial well-being. Przemek also holds the Series 7 and 66 licenses.
Przemek currently resides in Bayside, Queens with his fiancée Tamara. Outside the office, he enjoys staying active, travelling and rooting for his favorite sports teams; Knicks, Yankees and Giants.
Przemek brings a strong work ethic to the team. He is an integral part of the client service experience and leads the mutual fund portfolios. Przemek holds the Chartered Financial Analyst® (CFA®) designation, a globally recognized professional designation focused on security analysis and portfolio management. He combines his knowledge and expertise with the firm’s resources and capabilities to help make a difference in clients financial well-being. Przemek also holds the Series 7 and 66 licenses.
Przemek currently resides in Bayside, Queens with his fiancée Tamara. Outside the office, he enjoys staying active, travelling and rooting for his favorite sports teams; Knicks, Yankees and Giants.
Hear from Our Clients
I have been using Morgan Stanley as my money manager for more than 18 years. Jennifer helped me transition from a Wall Street banker executive to retirement in a very professional way. I am pleased & honored to have had Jennifer assigned to my relationship. She has always been available to respond to all my needs and has a very qualified administrative support in her office. Peter does phenomenal work. My wife and I are extremely pleased with the service provided by Jennifer and her staff.
Paul
Verified ClientJanuary 26, 2025
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
3846129 9/24
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Managing Director, Wealth Management, Financial Advisor, Senior Institutional Consultant, Family Wealth Director, Workplace Advisor – Equity Compensation
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Workplace Advisor – Equity Compensation
Kathleen Kowlessar
Associate Private Banker
James Colosi
Planning Associate
About Kathleen Kowlessar
Kathleen Kowlessar is an Associate Private Banker serving Morgan Stanley Wealth Management offices in New York.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kathleen began her career in financial services in 2013, and joined Morgan Stanley in 2022. Prior to joining the firm, she was a Store Manager at the TD Bank.
Kathleen is a graduate of the Zicklin School of Business, Baruch College, where she received a Master of Science in Finance and a Bachelor of Business Administration in Business Management. She lives in Garden City, New York with her family. Outside of the office, Kathleen enjoys spending time with her family, cooking and trying new foods.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kathleen began her career in financial services in 2013, and joined Morgan Stanley in 2022. Prior to joining the firm, she was a Store Manager at the TD Bank.
Kathleen is a graduate of the Zicklin School of Business, Baruch College, where she received a Master of Science in Finance and a Bachelor of Business Administration in Business Management. She lives in Garden City, New York with her family. Outside of the office, Kathleen enjoys spending time with her family, cooking and trying new foods.
NMLS#: 1037493
About James Colosi
James Colosi is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. James provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Rowan University and received the Financial Planning Specialist® designation from the College for Financial Planning. James is originally from Manasquan, NJ and currently resides in Jersey City, NJ.
He earned his undergraduate degree from Rowan University and received the Financial Planning Specialist® designation from the College for Financial Planning. James is originally from Manasquan, NJ and currently resides in Jersey City, NJ.
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
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
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
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
Are You Prepared for Tax Day?
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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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact Jennifer A Segura today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 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.
4Morgan 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
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 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*.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 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.
4Morgan 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
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 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*.
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:
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Awards Disclosures
CRC 6491812 (04/2024), 3582895 (6/2024)
