First Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(404) 365-3684(404) 365-3684
Jenniges and Madden Group at Morgan Stanley
Direct:
(404) 365-3684(404) 365-3684
Our Mission Statement
Delivering customized investment and planning strategies to help preserve and grow your wealth for retirement and long term goals
About Us
Our team has over 50 years of combined experience in the financial services industry. Together, we bring together a diversity of perspectives, backgrounds, and competencies to efficiently manage a full spectrum of client wealth management needs. Merging our knowledge with the technology and vast resources of Morgan Stanley, we build financial plans which help meet goals, while preserving and building wealth for our clients. As a team, our approach to managing your wealth is unified, and customized specifically to you. Our collective attitude is to avoid the cookie-cutter model prevalent in the wealth management industry today. At the forefront of our team is the human element of each relationship. It is our aspiration to be your trusted advisor. By intently listening to our clients, we uncover goals and objectives existing now, and in the future. To this end, we simplify complex matters in a way easily understood and actionable for our clients. Many of our relationships span decades, and as a result are multi-generational in nature. We approach each new client in the same manner, and as if they will know us for generations to come. Close relationships with our clients have allowed us to successfully guide clients through a variety of markets and economic environments together. It is our sincere hope we have an opportunity to introduce our unique style of wealth management to you, and your family.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Cash ManagementFootnote3
- Corporate Cash Management
- Business Succession PlanningFootnote4
- Estate Planning StrategiesFootnote5
- Fixed IncomeFootnote6
- Lending Products
- Life InsuranceFootnote7
- Long Term Care InsuranceFootnote8
- Philanthropic Services
- Planning for Education FundingFootnote9
- Professional Portfolio ManagementFootnote10
- Structured ProductsFootnote11
- Trust AccountsFootnote12
- 401(k) Rollovers
- Wealth ManagementFootnote13
- Wealth PlanningFootnote14
- UGMA/UTMAFootnote15
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Services and Process
Services We Provide
FINANCIAL PLANNING: Goals Analysis, Retirement Income, Debt Analysis, Special Circumstances
INVESTMENT PLANNING: Security Recommendations, Economics, Asset Allocation, Tax Efficient Investing
WEALTH PLANNING: Wills & Legal Documents, Legacy Planning/Gifting, Family Governance, Charitable Planning
EXECUTIVE PLANNING: Incentive Compensation, Stock Options, Concentrated Positions, Stock Monetization
BUSINESS OWNER PLANNING: Risk Management, Cash Management, Retirement Benefits, Succession Planning
EMPLOYER RETIREMENT PLANS: Investment Management & Monitoring, Participant Financial Education, Participation Focus, Plan Design & Implementation, Evaluate & Recommend Record Keeper/Provider, Plan Fiduciary Responsibilities
Our Tailored Process
Step 1 -> Discovery Process: We listen, learn, and identify what is important to you and your legacy
Step 2 -> Develop Strategies: We determine risk and gather data to analyze current investments and create a financial plan
Step 3 -> Onboarding Meeting: We present and discuss the plan
Step 4 -> Deployment of Solutions: Focus on asset movement and assign responsibilities
Step 5 -> Orientation Meeting: Meet and understand the team and "who to contact"
Step 5 -> Wealth Team Integration: Develop and understand your network, liquidity needs, and secondary plans
Step 6 -> Strategy/Tactical Meetings: Monitor, discuss, and adjust future transitions
Sound Investing Principles VS. Human Nature
Have you heard the expression "buy low, sell high"? It applies to just about any investment, and sawyy investors always look for opportunities where something seems to be selling for less than it's worth. So then why do investors sell off their investments when the market drops? Isn't that the perfect time to BUY, when prices are depressed (i.e, "buy low')? Doesn't it make more sense to either hold on to an investment during a market correction, or even buy stocks during a bull market?
It makes logical sense, and yet even sophisticated investors rush to dump their stocks when the market goes down (ie. "sell high"). Why?
Because they are acting on emotion rather than logic. They fear that the market will continue to drop and don't want to lose any more - even though they know that long-term, they should ignore the standard ups and downs of the market and stay the course.
In fact, while people are supposed to act in their own self-interest and make logical decisions, human beings are much more inclined to act emotionally when it comes to money - that's the core principle behind a school of thought called Behavioral Investing.
I have studied the phenomenon of Behavioral investing and applied it to my wealth management practice. One of the most important things | do for my clients is to provide a logical, systematic response to changing conditions - | provide a guiding hand during the regular market volatility that is almost certain to occur during any long-range investment cycle.
Emotions are part of being human, and we all respond to them. However, | work with my clients to be sure that they don't make investment decisions, or any other financial choice, based on emotions rather than logic.
Modern Wealth Tools
Our goal is simple: "To be the firm where the most talented advisors in the industry leverage cutting-edge technology and deliver customized wealth management solutions to their clients and their families to enable them to achieve their life goals." The Firm strives to ensure it serves clients on market-leading technology platforms that are resilient, safe, efficient, smart, fast and flexible.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of digital features that help you keep track of your finances. They include mobile check deposit, paying your bills online, sending money through Zelle®, and accessing current market data, research, company profiles and quotes.
Total Wealth View
The ability to view all of your assets and liabilities together enables your financial advisors to strategize with your entire financial picture in mind. We've launched a 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.
eDelivery
Morgan Stanley Online has a variety of features that can enhance your digital experience and provide a deeper level of security. One of those tools, eDelivery, allows you to securely save, print, send, and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
Digital Vault
It's important to keep documents and financial records organized and readily available In the event of catastrophe or serious illness, disability or death. The Digital Vault on Morgan Stanley Online and the Mobile App allows you to have a centralized, shared document library with your financial advisors, stored using encryption.
What You Can Expect
While the strategies and solutions we provide are broad in scope, our approach is tailored to specific needs. We deliver the personalized attention you expect, as we build a structured plan focused on achieving your financial and legacy goals. Here is a brief overview of the solutions we offer:
Risk Identification and Management
Life's risks can manifest themselves in many ways --from loss of life to loss of health - and have the potential to impair the efficiency of a thoughtfully developed plan. We proactively help address these concerns in a number of ways, ranging from insurance reviews to liquidity strategies.
Legacy Planning
Delivering an estate to the next generation or favorite charity requires more attention than families often commit. Coordinating with outside estate tax professionals, we align estate planning goals with the appropriate asset titling and beneficiary designation requirements, while incorporating tax minimization strategies to help enhance results.
Lifestyle Management
We pay particular attention to the timing of milestone events, as well as spending patterns to offer you a set of lifestyle guidelines that help assure your retirement - and other key goals - are not compromised. We understand that the needs of corporate executives are different than those of business owners and will offer strategies specific to your personal situation.
Longevity Planning
Given extended life expectancy, we help tailor allocation and income distribution strategies to help you preserve assets, whether they are held at Morgan Stanley or other firms. This includes advice on 401(k) plan assets, life insurance and long-term care plans.
Asset Growth and Preservation
Asset management aims to achieve the best possible investment returns that are consistent with your level of risk. We offer a wide range of strategies that apply long- held investment principles to help your assets appreciate appropriately. We embrace conflict-free decision making within a cost-effective structure.
Location
3280 Peachtree Rd NE
Ste 1900
Atlanta, GA 30305
US
Direct:
(404) 365-3684(404) 365-3684
Meet Jenniges and Madden Group
Financial Advisor, Portfolio Manager, Financial Planning Specialist, Vice President, Wealth Management
Phone:
(404) 365-3566(404) 365-3566
Sharon Benton
Senior Client Service Associate
Phone:
(404) 365-2612(404) 365-2612
Pamela H Osterland
SR. REG. Client Service Associate, Portfolio Associate
Phone:
(404) 365-3635(404) 365-3635
Nathan Mostyn
Client Service Associate
About Justin A. Jenniges
I have been a Financial Advisor with Morgan Stanley since 2007, helping individuals and families navigate comprehensive financial planning and investment management with a long-term, multigenerational perspective. I earned my degree in Finance and Economics from the University of Georgia, with a specialization in Family Financial Planning.
My practice focuses on thoughtful wealth planning, disciplined investment strategies, and helping clients make confident decisions across generations. I have been recognized multiple times by Forbes as a Top Financial Advisor in the state, reflecting a consistent commitment to client service and results.
I live in Alpharetta with my two children and, outside of work, enjoy staying active through sports and exercise, cooking, and traveling whenever possible.
Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded Feb 2019) Data compiled by SHOOK Research LLC based on time period from 6/30/17 - 6/30/18.
.
Forbes Top Next-Gen Wealth Advisors
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
My practice focuses on thoughtful wealth planning, disciplined investment strategies, and helping clients make confident decisions across generations. I have been recognized multiple times by Forbes as a Top Financial Advisor in the state, reflecting a consistent commitment to client service and results.
I live in Alpharetta with my two children and, outside of work, enjoy staying active through sports and exercise, cooking, and traveling whenever possible.
Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded Feb 2019) Data compiled by SHOOK Research LLC based on time period from 6/30/17 - 6/30/18.
.
Forbes Top Next-Gen Wealth Advisors
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
Securities Agent: IL, CT, NC, CA, AL, NY, MD, CO, PA, WA, VA, NJ, MT, DC, DE, RI, OR, IA, TN, LA, AZ, WI, NH, GA, TX, SC, OH, NV, MS, MN, MI, IN, FL, WY, UT, MO, ME, MA, KY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1406573
NMLS#: 1406573
About Bert Madden, Jr.
Bert brings decades of financial services experience to his work with clients. He began his career in 1982 in the fixed income division at Dean Witter, spending two years as a trader, two years in underwriting, and the next two decades in institutional fixed income sales. After a brief period away to focus on a family project, he returned to Morgan Stanley and built his practice around serving individuals and families.
Bert arrived in Atlanta at the age of five and has called it home ever since. He earned a B.A. in Economics from the University of Georgia in 1982 and continues to cheer for the Dawgs today.
Bert and his wife, Kelly, have been married since 1984 and have three adult daughters. They also have eight grandchildren and enjoy supporting their activities and spending time together. Out-side of work, Bert enjoys outdoor sports, bird hunting, fishing, golf, and yardwork.
Bert is a member of Northside Methodist Church, where he has served on numerous boards and as part of the usher team. He has also been long involved with the Northside Youth Organization. An active alumnus of The Lovett School, he previously served as president of the Alumni Association.
Bert arrived in Atlanta at the age of five and has called it home ever since. He earned a B.A. in Economics from the University of Georgia in 1982 and continues to cheer for the Dawgs today.
Bert and his wife, Kelly, have been married since 1984 and have three adult daughters. They also have eight grandchildren and enjoy supporting their activities and spending time together. Out-side of work, Bert enjoys outdoor sports, bird hunting, fishing, golf, and yardwork.
Bert is a member of Northside Methodist Church, where he has served on numerous boards and as part of the usher team. He has also been long involved with the Northside Youth Organization. An active alumnus of The Lovett School, he previously served as president of the Alumni Association.
Securities Agent: ME, LA, MI, CO, WA, VA, IL, TX, NJ, MN, MA, CT, TN, AZ, SC, PA, NV, DE, NY, NC, MO, GA, FL, IN, DC, OR, OH, AL, WI, MT, MS, CA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1262270
NMLS#: 1262270
About Sharon Benton
Sharon has been in the Financial Service industry since 1989. She has worked in many facets of the industry; from support staff to Operations Manager. In September of 2007 she joined Morgan Stanley from Smith Barney along with Justin Jenniges when he moved his team.
Sharon is a dedicated professional who is passionate about providing a superior level of service to our team's clients. She earned her Bachelors of Science in Finance from Wilberforce University 1986.
She grew up on Long Island and moved to Atlanta in 1986 with her husband and two children. Sharon enjoys fine wine, volunteering and sports.
Sharon is a dedicated professional who is passionate about providing a superior level of service to our team's clients. She earned her Bachelors of Science in Finance from Wilberforce University 1986.
She grew up on Long Island and moved to Atlanta in 1986 with her husband and two children. Sharon enjoys fine wine, volunteering and sports.
About Pamela H Osterland
Pamela Osterland
Portfolio Associate, Senior Registered Client Service Associate
Pamela joined Morgan Stanley in 1999.
She has earned the title of Portfolio Associate and Senior Registered Client Service Associate and is the recipient of Morgan Stanley’s Service Excellence Award. Pamela has her Series 7 and 63 and is able to assist the team and clients with professional and outstanding Customer Service.
She excels in the ability to create a client experience rich in convenience, personal attention, friendliness and attention to detail.
Pamela is an Atlanta Native, Attended the State University of West Georgia and resides in Marietta, GA, where she grew up. She married to Justin Osterland and one of their favorite outside interest is their cars and going driving in the mountains or you can catch them at the Racetrack.
Portfolio Associate, Senior Registered Client Service Associate
Pamela joined Morgan Stanley in 1999.
She has earned the title of Portfolio Associate and Senior Registered Client Service Associate and is the recipient of Morgan Stanley’s Service Excellence Award. Pamela has her Series 7 and 63 and is able to assist the team and clients with professional and outstanding Customer Service.
She excels in the ability to create a client experience rich in convenience, personal attention, friendliness and attention to detail.
Pamela is an Atlanta Native, Attended the State University of West Georgia and resides in Marietta, GA, where she grew up. She married to Justin Osterland and one of their favorite outside interest is their cars and going driving in the mountains or you can catch them at the Racetrack.
About Nathan Mostyn
Nathan became a Client Service Associate at Morgan Stanley in 2025. Since 2016, his enthusiasm for the investing and the markets led to an Economics degree from Oglethorpe University in 2024. He also participated in the 2024 Morgan Stanley summer intern program, solidifying skills and knowledge about investments, financial planning and financial product education. Nathan researches investments and evaluates portfolio solutions with the Jenniges & Madden Group. Born and raised in Roswell, Georgia, Nathan enjoys watching the Braves and playing golf around the Atlanta area in his spare time.
Contact Justin A. Jenniges
Contact Bert Madden, Jr.
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
Brian Ford
Private Banker
Matt Edwards
Private Banker
About Brian Ford
Brian Ford is a Private Banker serving Morgan Stanley Wealth Management offices in Georgia.
Private Bankers partner with 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.
Brian Ford began his career in financial services in 2006, and joined Morgan Stanley in 2015 as an Associate Private Banker. Prior to joining the firm, he served as a Regional Private Banker at Wells Fargo, as well as a Financial Advisor at Ameriprise Financial.
Brian is a graduate of the Georgia Institute of Technology, where he received a Bachelor of Science in Management. He and his family reside in Cumming, Georgia. Outside of the office, Brian dedicates his time to developing future leaders in youth athletics, serving as a Coach on his children’s baseball teams. When not on the field, he also enjoys running, traveling, watching sports, and spending time with his family.
Private Bankers partner with 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.
Brian Ford began his career in financial services in 2006, and joined Morgan Stanley in 2015 as an Associate Private Banker. Prior to joining the firm, he served as a Regional Private Banker at Wells Fargo, as well as a Financial Advisor at Ameriprise Financial.
Brian is a graduate of the Georgia Institute of Technology, where he received a Bachelor of Science in Management. He and his family reside in Cumming, Georgia. Outside of the office, Brian dedicates his time to developing future leaders in youth athletics, serving as a Coach on his children’s baseball teams. When not on the field, he also enjoys running, traveling, watching sports, and spending time with his family.
NMLS#: 687710
About Matt Edwards
Matt Edwards is a Private Banker serving Morgan Stanley Wealth Management offices in Georgia and Tennessee.
Private Bankers partner with 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.
Matt began his career in financial services in 2009 and joined Morgan Stanley in 2015 as a Private Banker Advisory Associate. Matt is a graduate of the Georgia Southern University, where he received a Bachelor Degree in Business Administration, and Valdosta State University, where he received his Master’s in Business Administration. He lives in Atlanta, Georgia.
Outside of the office, Matt is an enthusiastic fly fisherman and artist. Most recently, he served as liaison with Junior Achievement, a program that develops entrepreneurship, financial literacy, and workplace readiness in undeveloped communities.
Private Bankers partner with 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.
Matt began his career in financial services in 2009 and joined Morgan Stanley in 2015 as a Private Banker Advisory Associate. Matt is a graduate of the Georgia Southern University, where he received a Bachelor Degree in Business Administration, and Valdosta State University, where he received his Master’s in Business Administration. He lives in Atlanta, Georgia.
Outside of the office, Matt is an enthusiastic fly fisherman and artist. Most recently, he served as liaison with Junior Achievement, a program that develops entrepreneurship, financial literacy, and workplace readiness in undeveloped communities.
NMLS#: 763106
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Wealth Management
From Our Team
Five Reasons DIY Investors Choose Morgan Stanley Financial Advisors
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Jenniges and Madden Group today.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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
4Morgan 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.
5Morgan 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9When 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.
10Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
11Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
12Morgan 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.
13Morgan 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.
14Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
15Morgan 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 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.
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For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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
4Morgan 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.
5Morgan 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9When 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.
10Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
11Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
12Morgan 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.
13Morgan 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.
14Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
15Morgan 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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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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
