John Quinn, CRPC®
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(516) 336-0841(516) 336-0841
JMJ New York Group at Morgan Stanley
John Quinn, CRPC®Matthew Silver, CRPC®Julia DiFiglia, CIMA®, CRPC®Mark HopperJeffrey Muchnick, QPFCSusan D. PaytonDina Greene
Direct:
(516) 336-0841(516) 336-0841
Toll-Free:
(800) 488-4083(800) 488-4083
Our Mission Statement
A collaborative relationship based on trust and transparency is the driving force behind our customized strategies.
Our Story
As your Financial Advisors, we partner with you to define, pursue, and achieve your financial goals through a thoughtful, planning-based approach. By understanding how you invest, what matters most to you, and where you want to go, we deliver tailored strategies designed to preserve and grow your wealth. Our clients benefit from access to seasoned investment professionals, a robust trading and execution platform, and a broad range of investment solutions.
We bring an institutional perspective to the complex financial needs of high-net-worth individuals and retirees, offering highly customized guidance that extends beyond portfolio management. Our solutions are comprehensive and coordinated, often incorporating tax-aware strategies, wealth transfer planning, lending solutions, philanthropic goals, cash management, and family governance considerations. We work closely with our clients’ tax, legal, and other trusted advisors to ensure a unified and efficient approach.
At the core of our practice is a strong client-advisor relationship and an ongoing commitment to adding value. We develop customized wealth management plans based on each client’s objectives, time horizon, and risk tolerance, and we regularly review progress to ensure strategies remain aligned as life evolves. With a disciplined process and access to extensive professional resources, we help clients make confident, well-informed financial decisions and look forward to building lasting relationships with them and their families.
We bring an institutional perspective to the complex financial needs of high-net-worth individuals and retirees, offering highly customized guidance that extends beyond portfolio management. Our solutions are comprehensive and coordinated, often incorporating tax-aware strategies, wealth transfer planning, lending solutions, philanthropic goals, cash management, and family governance considerations. We work closely with our clients’ tax, legal, and other trusted advisors to ensure a unified and efficient approach.
At the core of our practice is a strong client-advisor relationship and an ongoing commitment to adding value. We develop customized wealth management plans based on each client’s objectives, time horizon, and risk tolerance, and we regularly review progress to ensure strategies remain aligned as life evolves. With a disciplined process and access to extensive professional resources, we help clients make confident, well-informed financial decisions and look forward to building lasting relationships with them and their families.
Services Include
- Donor Advised Funds
- Long-term Care InsuranceFootnote1
- Retirement PlanningFootnote2
- Alternative InvestmentsFootnote3
- 401(k) Rollovers
- Trust ServicesFootnote4
- Corporate Pension Plans
- Business PlanningFootnote5
- Wealth ManagementFootnote6
- Wealth PlanningFootnote7
- Trust AccountsFootnote8
- Structured ProductsFootnote9
- Stock Plan ServicesFootnote10
- Stock Option PlansFootnote11
- Qualified Retirement PlansFootnote12
- Professional Portfolio ManagementFootnote13
- Planning for Education FundingFootnote14
- Philanthropic ManagementFootnote15
- Life InsuranceFootnote16
- Cash Management and Lending ProductsFootnote17
- Institutional ServicesFootnote18
- Fixed IncomeFootnote19
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
MODERN WEALTH TOOLS AND RESOURCES
Being educated on the markets and utilizing modern wealth management tools is important to our investment strategy. At Morgan Stanley, we provide clients with easily digestible financial analysis from out market research experts as well as cutting edge technology that can help your financial situation. We have accumulated resources below to manage your wealth effectively and to help you stay on top of the markets.
Morgan Stanley Online
Morgan Stanley Online (MSO) allows you to seamlessly and securely manage your investments and everyday finances in one place.
Morgan Stanley Online
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Learn more about Total Wealth View
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read the Latest Report
Morgan Stanley Research Reports
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
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn More
Learn More
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk PlatformHolistic experience
We are an established team of professionals with highly regarded, complementary skill sets. The following will show you the depth of expertise, collaboration, and dedication our team brings to delivering trusted advice and exceptional client outcomes.
Certified Financial Planner™ (CFP®)
Certified Financial Planner™ (CFP®) is a formal recognition of extensive knowledge and requires years of experience, successful completion of standardized exams, a demonstration of ethics, and a formal education. CFP®s help individuals manage a variety of needs, such as investment planning, retirement planning, insurance, education planning, intergenerational wealth transfers and charitable giving strategies.
Certified Investment Manager Analyst® (CIMA®)
The CIMA® designation provides advisors, consultants and analysts with the tools to go beyond investment fundamentals. The program:
• Integrates practical knowledge with investment theory, with deep dives into advanced portfolio construction, accounting and risk management.
• Delivers a systematic process to put this sophisticated knowledge into action - differentiating services, solutions and outcomes.
• Integrates practical knowledge with investment theory, with deep dives into advanced portfolio construction, accounting and risk management.
• Delivers a systematic process to put this sophisticated knowledge into action - differentiating services, solutions and outcomes.
Alternative Investment Directors
Our team focuses on helping individuals and institutions can gain access to exclusive offerings, preeminent fund managers and innovative investment opportunities with alternative investments for qualified clients.
Portfolio Managers
Our experience, training and investment philosophy offer
guidance—both in ongoing portfolio management decisions and understanding investment risk while keeping your long-term goals in view. We focus on research, asset allocation, manager selection and managing the team’s proprietary equity corporate credit strategies.
guidance—both in ongoing portfolio management decisions and understanding investment risk while keeping your long-term goals in view. We focus on research, asset allocation, manager selection and managing the team’s proprietary equity corporate credit strategies.
Chartered Retirement Planning Counselor® (CRPC®)
The Chartered Retirement Planning Counselor® (CRPC®) program is developed with a focus on client-centered problem-solving. Applicants learn how to gain an in-depth knowledge of their clients' needs both before and after retirement.
Dedicated Support Professionals
Our support professionals pride themselves on delivering a rare level of client service. They handle a vast array of responsibilities, including account management, portfolio analysis, capital markets execution, overseeing 10b5-1 plan implementation, the creation of highly customized investment strategies, oversight of syndicate activities and the overall operations of the team.
Core Capabilities
The JMJ New York Group is committed to providing advice to help you achieve your financial goals.
Our goal is to fully understand your finances so we can help customize a wealth plan that proactively aligns your finances and investments. Our objective is to earn your confidence not only through the quality of solutions we provide to you, but also through the excellence with which we deliver them.
Our goal is to fully understand your finances so we can help customize a wealth plan that proactively aligns your finances and investments. Our objective is to earn your confidence not only through the quality of solutions we provide to you, but also through the excellence with which we deliver them.
Wealth Management
At Morgan Stanley Wealth Management, exclusive access to vast resources, combined with our unique capabilities, gives us the means to support your goals at every life stage. We provide a range of solutions to meet you where you are—no matter your starting point or preferred investing approach. We understand that as family or institutional wealth increases, the implementation of investment strategies becomes increasingly complex end portfolios require close monitoring to remain within intended parameters.
Learn More About Our Wealth Management Services
Retirement Planning
We are here to help you create a well-rounded planning approach for retirement and create your estate planning strategy designed to preserve, manage, and distribute your assets during and after your lifetime, while helping to minimize taxation. We are here to help manage your employer's retirement plan (i.e. 401(k) plan), identify your personal goals, track your progress toward achieving them and work together to create a customized plan.
View Insights on Retirement Planning
Risk Analysis
We take a holistic approach to managing your finances by identifying risk outliers and understanding the Impact of market scenarios. We leverage Morgan Stanley's Portfolio Risk Platform and the risk analytics integrated to understand risk insights across thousands of risk factors. We can instantly analyze an entire portfolio, including assets held elsewhere, which helps identify and mitigate your risk.
Introducing the New Portfolio Risk Platform
Portfolio Management
We study investment trends and leverage the global
resources of the firm to help you develop a personalized investment strategy. We'll develop a customized portfolio to meet your requirements for growth, income and wealth conservation within your risk constraints. Our experience, training and investment philosophy offer guidance—both in ongoing portfolio management decisions end
understanding investment risk while keeping your long-term goals in view.
resources of the firm to help you develop a personalized investment strategy. We'll develop a customized portfolio to meet your requirements for growth, income and wealth conservation within your risk constraints. Our experience, training and investment philosophy offer guidance—both in ongoing portfolio management decisions end
understanding investment risk while keeping your long-term goals in view.
Workplace Advisors
As the administrator of your company's equity
compensation plan, we pride ourselves on helping you manage your awards effectively. We are here to provide easy access to your account, answer questions about your awards and handle your transactions accurately and conveniently. We help build financial confidence through insightful advice, thoughtful education end cutting-edge technology across a suite of workplace solutions.
Learn More About Our Financial Wellness Programcompensation plan, we pride ourselves on helping you manage your awards effectively. We are here to provide easy access to your account, answer questions about your awards and handle your transactions accurately and conveniently. We help build financial confidence through insightful advice, thoughtful education end cutting-edge technology across a suite of workplace solutions.
Cash Management & Lending
As a client, you will have access to a suite of cash
management solutions as a competitive alternative to a traditional bank. Through your Morgan Stanley Active
Assets Account or CashPIus Brokerage Account, you can access a full suite of Cash Management Solutions to help you manage your everyday finances. Additionally, we're
able to provide qualified clients with financing solutions
for almost any personal or business need using the
eligible securities in your brokerage account as collateral for a flexible line of credit.
management solutions as a competitive alternative to a traditional bank. Through your Morgan Stanley Active
Assets Account or CashPIus Brokerage Account, you can access a full suite of Cash Management Solutions to help you manage your everyday finances. Additionally, we're
able to provide qualified clients with financing solutions
for almost any personal or business need using the
eligible securities in your brokerage account as collateral for a flexible line of credit.
529 Education Savings Plans
529 plans offer a flexible, tax-advantaged way to invest for education expenses while helping to improve estate planning. Gain fiduciary oversight of your education funding strategy within the context of your broader portfolio through the exclusive Morgan Stanley National Advisory 529 Plan.
529 Plan Options at Morgan Stanley
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income. From simplified vehicles available more broadly to institutional strategies, the platform supports a goals-based approach for asset allocation tailored to investor needs.
Morgan Stanley Alternative InvestmentsResearch and Reports
The Alts Report
Hear from industry innovators across Morgan Stanley Wealth Management leadership and fund manager partners as they discuss the trends and opportunities shaping the alternative investments landscape.
The Alts Report
Thoughts on the Market
Listen to our financial podcast, featuring perspectives from leaders within Morgan Stanley and their perspectives on the forces shaping markets today.
Thoughts on the Market
Wealth Education for the Next Generation
The Wealth Education for the Next Generation series provides practical insights to strengthen financial literacy and support informed decision-making around wealth, legacy, and impact. Each session equips participants with essential tools to navigate financial responsibilities with confidence.
Wealth Education for the Next Generation
Morgan Stanley Security Center
Safeguarding your assets and information is one of our highest priorities, but you also have a critical role to play. Check out our collection of practical takeaways and best practices from our cybersecurity professionals, then explore a few of the ways we help protect you.
Morgan Stanley Security CenterLocation
Two Jericho Plaza
1st Floor
Jericho, NY 11753
US
Direct:
(516) 336-0841(516) 336-0841
Toll-Free:
(800) 488-4083(800) 488-4083
Meet JMJ New York Group
Phone:
(516) 336-0717(516) 336-0717
Julia DiFiglia, CIMA®, CRPC®
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(516) 336-0868(516) 336-0868
Mark Hopper
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(516) 336-0842(516) 336-0842
Phone:
(516) 336-0716(516) 336-0716
Susan D. Payton
Portfolio Associate
Phone:
(516) 336-0869(516) 336-0869
Dina Greene
Portfolio Associate
Phone:
(516) 336-0898(516) 336-0898
About John Quinn
With more than four decades of experience in wealth management, John Quinn has built a career defined by leadership, disciplined investment oversight, and long-term client relationships. He began his financial services career at Merrill Lynch in 1983 as a Financial Consultant and quickly distinguished himself through a steady progression of leadership roles, including Senior Financial Consultant (1986), Assistant Vice President (1991), Vice President (1996), and Resident Director (2000). In 2005, he earned the Wealth Management Advisor (WMA) designation and was named Senior Resident Director. He further expanded his advisory expertise by attaining the CRPC® designation in 2006.
In 2014, John joined Morgan Stanley as a First Vice President. His leadership and advisory impact continued to grow, culminating in his promotion to Senior Vice President in 2021. In 2024, he was named a Portfolio Management Director — a reflection of his disciplined approach to investment management and commitment to delivering comprehensive wealth strategies aligned with clients’ long-term objectives.
John is recognized for combining seasoned market perspective with structured portfolio oversight, helping clients navigate changing economic environments with clarity and confidence.
In 2014, John joined Morgan Stanley as a First Vice President. His leadership and advisory impact continued to grow, culminating in his promotion to Senior Vice President in 2021. In 2024, he was named a Portfolio Management Director — a reflection of his disciplined approach to investment management and commitment to delivering comprehensive wealth strategies aligned with clients’ long-term objectives.
John is recognized for combining seasoned market perspective with structured portfolio oversight, helping clients navigate changing economic environments with clarity and confidence.
Securities Agent: MD, CT, GA, CO, AL, CA, KY, MI, ME, AZ, WA, OR, OH, MT, MA, LA, IL, SC, WY, VT, PA, NV, NJ, ND, FL, NC, DE, VA, UT, TX, NY, MS, RI, DC, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 590077
NMLS#: 590077
About Matthew Silver
Securities Agent: MD, PA, FL, NH, WA, CT, VA, SC, NC, CA, GA, CO, WY, MT, IL, VT, LA, AL, MS, AZ, DE, HI, RI, OH, NY, MA, MI, ME, ID, DC, TX, NJ, MO, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 579263
CA Insurance License #: 0L85671
NMLS#: 579263
CA Insurance License #: 0L85671
About Julia DiFiglia
Julia DiFiglia brings over 25 years of experience to the industry, with a career built on client advocacy, retirement planning expertise, and advanced portfolio construction. She began in 1998 at First Albany Corp as an Investment Executive, where she developed a strong foundation in client service, retirement strategies and investment planning. In 2001, she joined Merrill Lynch as an Investment Associate, further strengthening her expertise in portfolio support and relationship management. She earned the CRPC® designation in 2006, underscoring her focus on retirement planning strategies.
Julia joined Morgan Stanley as a Financial Advisor in 2014. Her career reflects consistent advancement, including promotions to Associate Vice President (2020), Vice President (2021), Senior Portfolio Manager (2022) and First Vice President (2023). In 2024, she earned the CIMA® designation, demonstrating advanced proficiency in investment consulting and portfolio construction. She was named a Portfolio Management Director in 2025 and, as of February 18, 2026, holds the title of Senior Vice President.
Julia is known for her thoughtful, planning-driven approach — integrating sophisticated investment strategies with personalized wealth planning to help clients pursue long-term financial security.
Julia joined Morgan Stanley as a Financial Advisor in 2014. Her career reflects consistent advancement, including promotions to Associate Vice President (2020), Vice President (2021), Senior Portfolio Manager (2022) and First Vice President (2023). In 2024, she earned the CIMA® designation, demonstrating advanced proficiency in investment consulting and portfolio construction. She was named a Portfolio Management Director in 2025 and, as of February 18, 2026, holds the title of Senior Vice President.
Julia is known for her thoughtful, planning-driven approach — integrating sophisticated investment strategies with personalized wealth planning to help clients pursue long-term financial security.
Securities Agent: MI, UT, PA, NH, CT, CA, NJ, MA, VT, OH, ND, MD, DE, AZ, WA, TX, SC, RI, MS, KY, AL, NV, ME, VA, CO, OR, MT, IL, FL, NY, LA, WY, NC, GA, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1189765
NMLS#: 1189765
About Mark Hopper
Mark Hopper is a seasoned wealth management professional with more than 25 years of industry experience, specializing in personalized financial strategies and long-term relationship management. He began his career at Merrill Lynch in 1999 as a Financial Consultant and steadily advanced through senior leadership roles. In 2005, he earned the Wealth Management Advisor (WMA) designation and was named Senior Financial Advisor. He was promoted to Assistant Vice President in 2006, Vice President in 2009, and First Vice President in 2013 — reflecting sustained performance and client commitment.
In 2014, Mark joined Morgan Stanley as a First Vice President. He was named a Portfolio Management Director in 2024 and promoted to Senior Vice President in 2025. Throughout his career, Mark has focused on helping clients navigate complex financial decisions with disciplined investment guidance and practical wealth planning solutions.
He is valued for his steady, solutions-oriented approach and his dedication to building strategies designed to evolve with clients’ changing goals and life circumstances.
In 2014, Mark joined Morgan Stanley as a First Vice President. He was named a Portfolio Management Director in 2024 and promoted to Senior Vice President in 2025. Throughout his career, Mark has focused on helping clients navigate complex financial decisions with disciplined investment guidance and practical wealth planning solutions.
He is valued for his steady, solutions-oriented approach and his dedication to building strategies designed to evolve with clients’ changing goals and life circumstances.
Securities Agent: IL, AZ, SC, NY, MI, MD, MA, GA, CO, OH, PR, NH, DE, UT, RI, NJ, MT, ME, LA, KY, CT, AL, WA, VT, VA, TX, OR, PA, ND, ID, WY, NV, NC, DC, CA, MS, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 759531
NMLS#: 759531
About Jeffrey Muchnick
Securities Agent: OH, NY, CT, CA, TX, MI, DC, LA, AZ, AL, MS, VT, DE, IL, WY, MT, VA, NJ, HI, ME, MD, GA, CO, SC, RI, MA, WA, OR, FL, MO, PA, NH, NC, ID; General Securities Representative; Investment Advisor Representative
NMLS#: 1427682
CA Insurance License #: 0L85363
NMLS#: 1427682
CA Insurance License #: 0L85363
About Susan D. Payton
Joined Merrill Lynch as a Client Associate, 1977
Registered Client Associate, 1981
Senior Registered Client Associate, 1990
Joined Morgan Stanley as a Senior Registered Associate, 2014
Portfolio Associate, 2016
Registered Client Associate, 1981
Senior Registered Client Associate, 1990
Joined Morgan Stanley as a Senior Registered Associate, 2014
Portfolio Associate, 2016
Contact John Quinn
Contact Matthew Silver
Contact Julia DiFiglia
Contact Mark Hopper
Contact Jeffrey Muchnick
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
Andrew Bertalli, CFP®
Financial Planning Director, Vice President
Chris Smith
Trust Specialist
About Andrew Bertalli
Andrew Bertalli is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Eastern Long Island, NY. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Andrew began his career in financial services in 2000 and joined Morgan Stanley in 2022. Prior to his current position, Andrew served high-net-worth clients for over 17 years. Andrew also has worked at Charles Schwab, USAA, and TIAA.
Andrew Bertalli graduated from Saint Francis College and has a Bachelor of Science in Business. Andrew holds his Certified Financial Planner® designation. Andrew lives on Long Island with his wife and children. Outside of work, Andrew likes to keep fit and spend time with his family. Andrew holds a private pilot license and served in the US Navy.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Andrew began his career in financial services in 2000 and joined Morgan Stanley in 2022. Prior to his current position, Andrew served high-net-worth clients for over 17 years. Andrew also has worked at Charles Schwab, USAA, and TIAA.
Andrew Bertalli graduated from Saint Francis College and has a Bachelor of Science in Business. Andrew holds his Certified Financial Planner® designation. Andrew lives on Long Island with his wife and children. Outside of work, Andrew likes to keep fit and spend time with his family. Andrew holds a private pilot license and served in the US Navy.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
About Chris Smith
Chris Smith is an Executive Director and Head of Morgan Stanley’s Trust Services Group. As a 30-year employee of Morgan Stanley, Chris is responsible for maintaining the “Open Architecture” trustee platform, which consists of thirteen third-party trust companies who can serve in a fiduciary, agency or custodial role for ultra-high-net worth client trust accounts. Chris and the Trust Services Group help Advisors, clients, prospects and the professional community understand the corporate trustee services available through Morgan Stanley and how our corporate trustee partners can be used to provide fiduciary solutions for clients. This involves reviewing trust document and statements as well as analyzing family dynamics. Chris then uses this information to recommend one or more of the firm’s third-party corporate trustee partners to possibly serve as trustee, co-trustee or administrative agent for a client trust account.
Prior to joining Morgan Stanley (Dean Witter), Chris worked in the Retirement Plans department of Prudential Securities and prior to that the District Agency department of Prudential Insurance Company. Chris holds a Bachelor of Arts degree in Communication/Journalism and Psychology from St. John Fisher College in Rochester, NY. He lives in Saratoga Springs, NY with his wife Sharon and two boys, Ryan and Michael and has a passion for golf, skiing and horse racing.
Prior to joining Morgan Stanley (Dean Witter), Chris worked in the Retirement Plans department of Prudential Securities and prior to that the District Agency department of Prudential Insurance Company. Chris holds a Bachelor of Arts degree in Communication/Journalism and Psychology from St. John Fisher College in Rochester, NY. He lives in Saratoga Springs, NY with his wife Sharon and two boys, Ryan and Michael and has a passion for golf, skiing and horse racing.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
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 trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley does not accept appointments, nor will it act as a trustee, but it will provide access to trust services through an appropriate third-party corporate trustee.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
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 trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley does not accept appointments, nor will it act as a trustee, but it will provide access to trust services through an appropriate third-party corporate trustee.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
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
Rational Investing in an Age of Uncertainty
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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 JMJ New York Group today.
1Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
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.
6Morgan 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.
7Morgan 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.
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.
9Structured 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.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
11Morgan 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.
12When 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.
13Morgan 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.
14When 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.
15Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
16Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
17Morgan 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
18Morgan 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.
19Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
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.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
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.
6Morgan 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.
7Morgan 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.
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.
9Structured 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.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
11Morgan 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.
12When 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.
13Morgan 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.
14When 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.
15Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
16Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
17Morgan 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
18Morgan 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.
19Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
