Matt Stotler
Private Banker
Jodi R. Fleisher, CFP®, QPFC
First Vice President, Wealth Management,
Alternative Investments Director,
Insurance Planning Director,
Financial Planning Specialist,
Financial Advisor
Direct:
(303) 595-2076(303) 595-2076
My Mission Statement
Most wealth plans are a patchwork of advisors who've never met.
The solution is one blueprint coordinating every piece of your wealth: investments, tax strategy, legacy and philanthropic plans, and every exposure in between, along with the specialists behind each, into a single plan designed, built, and continuously managed specifically for you.
The goal is to assist you in protecting and growing your wealth aimed at it outliving you, while you and your family get to enjoy the life you've built, today, tomorrow, and for generations to come.
The solution is one blueprint coordinating every piece of your wealth: investments, tax strategy, legacy and philanthropic plans, and every exposure in between, along with the specialists behind each, into a single plan designed, built, and continuously managed specifically for you.
The goal is to assist you in protecting and growing your wealth aimed at it outliving you, while you and your family get to enjoy the life you've built, today, tomorrow, and for generations to come.
My Story and Services
Jodi Fleisher is a CERTIFIED FINANCIAL PLANNER ™, Alternative Investments Director, and Financial Advisor who joined Morgan Stanley in 2015. Jodi has a diverse background spanning all the way from financial services to sports management. This diversity of viewpoints enable her to help enhance the wealth outcomes of her clients.
Jodi has an excellent understanding of how fundamentally, parts can lead to the success of the whole. By integrating in-depth planning, alternative investments, estate planning strategies, executive benefit services, and tax-efficiency into her business practices, she's able to seek optimal outcomes for her clients.
However, her focus is primarily on holistically determining what is most important to each family. This may range from helping with asset growth for current client opportunities, planning a confident retirement, or preservation and transfer of wealth. This multi-dimensional approach allows her to develop a truly customized plan allowing clients to see tangible progress towards their goals.
Jodi is a graduate of the Terry College of Business - the University of Georgia, where she earned a Bachelor of Business Administration with a degree in Marketing and a concentration in Strategic Management. Having grown-up with the exposure to the business of sport, and around the early years of professional sports organizations, she realized her passion for the desire to help preserve and grow an individual’s wealth. Her background is in sports marketing and management, specifically having worked as a project manager for the COO of the 1996 Olympic Summer Games. She currently holds her Series 7 and 66 licenses, Life & Health and Annuities Insurance licenses, and is NMLS (Nationwide Mortgage Licensing System) registered. Jodi is also a recipient of the 2021, 2023, 2024 and 2025 Five Star Wealth Manager Award. (2021, 2023, 2024 and 2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2021, 2023, 2024 and 2025) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods: 2021 Award 11/30/20 - 6/25/21, 2023 Award 11/28/22 -06/30/23, 2024 Award 12/12/23 - 7/9/24 and 2025 Award 01/01/2025 - 06/02/2025)
Born and bred in Atlanta, Georgia, Jodi now lives in Denver, Colorado with her Alaskan Malamute - Ullr. Prior to moving to Denver, Jodi was quite involved in the Atlanta community. In addition to various committees and serving on the field of play with various collegiate and professional sporting events, she was an active volunteer Behind the Scenes at the Georgia Aquarium. She remains very involved with the Terry Connect Alumni Mentoring Program. Her passions and activities run deep when it comes to snow skiing, cycling, hiking, scuba diving, travel, big game wildlife, photography, as well as new and exciting outdoor adventures.
Jodi has an excellent understanding of how fundamentally, parts can lead to the success of the whole. By integrating in-depth planning, alternative investments, estate planning strategies, executive benefit services, and tax-efficiency into her business practices, she's able to seek optimal outcomes for her clients.
However, her focus is primarily on holistically determining what is most important to each family. This may range from helping with asset growth for current client opportunities, planning a confident retirement, or preservation and transfer of wealth. This multi-dimensional approach allows her to develop a truly customized plan allowing clients to see tangible progress towards their goals.
Jodi is a graduate of the Terry College of Business - the University of Georgia, where she earned a Bachelor of Business Administration with a degree in Marketing and a concentration in Strategic Management. Having grown-up with the exposure to the business of sport, and around the early years of professional sports organizations, she realized her passion for the desire to help preserve and grow an individual’s wealth. Her background is in sports marketing and management, specifically having worked as a project manager for the COO of the 1996 Olympic Summer Games. She currently holds her Series 7 and 66 licenses, Life & Health and Annuities Insurance licenses, and is NMLS (Nationwide Mortgage Licensing System) registered. Jodi is also a recipient of the 2021, 2023, 2024 and 2025 Five Star Wealth Manager Award. (2021, 2023, 2024 and 2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2021, 2023, 2024 and 2025) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods: 2021 Award 11/30/20 - 6/25/21, 2023 Award 11/28/22 -06/30/23, 2024 Award 12/12/23 - 7/9/24 and 2025 Award 01/01/2025 - 06/02/2025)
Born and bred in Atlanta, Georgia, Jodi now lives in Denver, Colorado with her Alaskan Malamute - Ullr. Prior to moving to Denver, Jodi was quite involved in the Atlanta community. In addition to various committees and serving on the field of play with various collegiate and professional sporting events, she was an active volunteer Behind the Scenes at the Georgia Aquarium. She remains very involved with the Terry Connect Alumni Mentoring Program. Her passions and activities run deep when it comes to snow skiing, cycling, hiking, scuba diving, travel, big game wildlife, photography, as well as new and exciting outdoor adventures.
Services Include
- Wealth ManagementFootnote1
- Alternative InvestmentsFootnote2
- Wealth PlanningFootnote3
- Asset Management
- Cash Management and Lending ProductsFootnote4
- Financial PlanningFootnote5
- Estate Planning StrategiesFootnote6
- Institutional ServicesFootnote7
- Corporate Investment SolutionsFootnote8
- Executive Benefit ServicesFootnote9
- Executive Financial ServicesFootnote10
- Business PlanningFootnote11
- Business Succession PlanningFootnote12
- Life InsuranceFootnote13
- Long-term Care InsuranceFootnote14
- Philanthropic ManagementFootnote15
- Sustainable InvestingFootnote16
- Structured ProductsFootnote17
- SyndicateFootnote18
Securities Agent: MS, TX, MD, GA, AK, VA, KY, LA, NE, NJ, MO, FL, MA, WV, CO, SC, OH, IL, DE, NY, WA, UT, PA, NV, NC, CA, WY, WI, OK, MN, OR, IN, CT, NH, KS, IA, DC, AZ, SD, ND, MI, AR, AL, TN, MT; General Securities Representative; Investment Advisor Representative
NMLS#: 1454878
NMLS#: 1454878
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
For those on the field of play, gameday is not just a day: it’s the culmination of many years of hard work, planning and dedication. The same thing can be said for when you're entering into retirement. And, just like an athlete takes care of their physical and mental health, you also need to take care of your financial health. An investor and an athlete are not much different from one another, for game time preparation is an ongoing process in order to be prepared not just for the proactive calls, but for the challenges that lie ahead.
1. Scouting: Customizing Your Financial Strategy
In sports, scouting is the process of studying opponents and players in detail to customize a team’s approach. Similarly, in wealth management, I take the time to understand your unique needs, goals, and risk tolerance to design and develop a financial strategy that works specifically for you. No two clients are alike, and I firmly believe your financial plan should reflect your individual “playbook.” By taking the time to fully understand your situation, together, we can build a strategy that’s tailored, proactive, and ready to adapt to whatever opposition comes our way.
2. Creating a Game Plan: Coaches and Coordinators
Just like all sports teams rely on coaches, coordinators, and management, to bring together the right chemistry of players to design winning strategies, a solid financial game plan is essential to reach your goals. I serve in the role as a head coach -helping you to assess the playing field, set realistic objectives, and map out a plan that takes you from where you are to where you want to go. From investment strategies, tax mitigation, retirement planning and more, every step is crafted to give you a competitive advantage. With a well thought-out game plan, you’ll always know the next play to stay focused on scoring, defense, and winning.
3. Audibles: Pivoting When Life Calls for a Change
In football, an audible is when the quarterback changes the play on the fly, responding to unexpected moves from the defense. In life, financial strategies also need flexibility to adapt to new circumstances—whether that’s a career shift, a change in family dynamics, or unexpected market conditions. I'm here to help you stay agile, making the right calls at the right time to keep you on track. With the support of a trusted advisor, you can make confident adjustments when life throws a curveball, knowing you've got a play ready for every situation.
4. The 12th Man: The Power of People
The “12th Man” is a term used to describe the passionate fan base that drives a team forward. For me, the 12th Man is the community of clients who have continuously supported my mission by sharing their experiences and referring friends, family, and colleagues. Referrals are the highest form of trust you can give me, and it is the foundation of the growth to my practice. When you refer someone, you’re not just introducing them to a financial advisor—you’re inviting them to join a team dedicated to success and long-term growth. I greatly appreciate every "12th Man" who supports our growth and allows me the opportunity to make an impact, and work together toward your financial goals.
Real access to institutional-grade alternative investments and private markets
When alternative investments become part of a client's investment strategy, Morgan Stanley offers far more than a short list of pre-packaged products. Morgan Stanley Wealth Management is a leader in alternative investments, with $295 billion in alternative investment assets under management as of March 31, 2026, and a platform offering approximately 250 funds, including first-look and exclusive access opportunities for qualified investors.¹ The platform spans Private Equity Funds, Private Credit Funds, Real Estate Funds / Real Assets, Direct Private Investments, Hedge Funds, Exchange Funds, EquityZen, Opportunity Zone Funds / 1031 Exchanges, Non-Traded REITs / BDCs / Interval Funds, Open-Ended Private Equity / Infrastructure Funds, and Private Placement Variable Annuities Life Insurance.¹
Private market access matters more than most portfolios reflect, because the opportunity itself has changed. For qualified clients seeking opportunities beyond stocks and bonds, Morgan Stanley's alternatives platform includes private equity, private credit, direct private investments, real assets, and other private-market-oriented strategies.¹ Morgan Stanley's Investing with Impact platform also extends across public and private markets, including alternative investments such as MSIM and custom alternatives, Private Equity & Venture Capital, and Hedge Funds & Funds of Funds.⁴
Alternative investments can serve more than a growth objective Morgan Stanley describes its alternatives platform as one that may help qualified investors potentially enhance returns, reduce volatility, manage taxes, and generate income.¹ Private Equity, Private Credit, Hedge Funds, and Real Assets may behave differently than traditional stocks and bonds, they can be considered as part of a broader portfolio construction process rather than simply as add-ons to an existing allocation. Morgan Stanley's Global Investment Office supports that process through asset allocation, product selection, portfolio construction, thought leadership, and more than 200 analysts, planners and strategists.¹
Alternatives can also improve how a portfolio is taxed, a benefit that is easy to overlook. Morgan Stanley Total Tax 365 is described as a full spectrum of year-round tax-management solutions tailored to help mitigate tax drag in a portfolio.1 These capabilities include tax-loss harvesting, tax-optimized fixed income strategies, municipal bonds, Donor Advised Funds, exchange funds for concentrated stock positions, and Intelligent Withdrawal technology.1 Morgan Stanley's broader platform also includes Opportunity Zone Funds / 1031 Exchanges, Exchange Funds, Private Placement Variable Annuities, and Private Placement Life Insurance, which may be considered alongside a client's investment, tax, estate, and legacy planning objectives.¹
Alternative investment access does not run on autopilot, and this is where platform depth earns its keep. Morgan Stanley's Global Investment Office and advisory resources emphasize manager analysis, portfolio construction, tax-management services, and comprehensive due diligence, including quantitative and qualitative tools used for manager assessments.¹ Morgan Stanley OCIO further supports manager selection, portfolio construction, and risk management through an institutional investment process that includes client discovery, asset allocation, manager selection, investment policy statement development, portfolio construction, and risk management and monitoring.² That due diligence infrastructure is substantial. Morgan Stanley's OCIO platform includes 65+ due diligence analysts, 40+ portfolio managers, and 100+ operations and support staff, and manages $152.3 billion in assets for institutions and ultra-high net worth families as of March 31, 2026.² The OCIO materials also note a 30-year history in OCIO investment management, open architecture, a leading manager platform, and a ranking as a Top 5 OCIO provider based on outsourced assets under management.²
For families seeking to build, protect, and transfer wealth across generations, Morgan Stanley Family Office Resources extends the conversation beyond investments alone. Family Office Resources works with Private Wealth Advisor teams to help address complex, multigenerational wealth-management issues through capabilities such as Family Governance Wealth Education, Philanthropy Management, Estate Planning Strategies, Trust Services, Insurance Solutions, OCIO, Private Banking, Wealth Strategies Planning Tools, Morgan Stanley Family Office, and Cash Management and Lending.³ Morgan Stanley's estate-planning resources also emphasize coordinating tax, trust, and estate strategies with investment decisions, including the integration of "asset location" within "asset allocation."³
Broad platform access paired with rigorous manager selection, more than either alone, is what makes access to alternative investments and private markets meaningful rather than theoretical. Jodi Fleisher, Financial Advisor, Alternative Investments Director at Morgan Stanley, works within this platform daily and brings that focus to the strategies she builds for her clients. Used well, alternatives serve as a structural part of a portfolio may help to grow and protect wealth across market cycles and, ideally, across generations.
Executive Benefit Strategies
As a corporate executive, your compensation goes far beyond a base salary. Equity awards, deferred compensation plans, retirement benefits, and performance-based incentives can create significant opportunities—but they also come with complexity, risk, and often overwhelming decisions.
I specialize in working with high-level executives to bring clarity and strategy to these decisions. Whether you're planning for retirement, managing a liquidity event, or simply trying to make sense of your benefit package, I help you align your executive compensation with your long-term financial goals in a thoughtful, tax-efficient way.
Deferred Compensation Planning
Nonqualified deferred compensation plans (NQDC) can be powerful tools for tax deferral and long-term wealth accumulation—if used strategically. I'll help you evaluate your deferral options, coordinate payout timing with your projected income and tax brackets, and ensure your plan integrates seamlessly with your retirement and estate planning. My goal is to help you maximize value while maintaining flexibility and control.
Equity Compensation Guidance and Planning
I take a holistic approach to retirement planning, considering all sources of income: company-sponsored plans, deferred compensation, personal investments, and other assets. Whether you're years from retirement or already transitioning out of your role, I help you structure a plan that supports your lifestyle, accounts for longevity and healthcare, and positions your wealth for continued growth and protection.
Stock options and equity awards often represent a large portion of an executive's compensation. By providing customized strategies to help you as an executive manage all of your various stock options (i.e. ISOs, NQSOs, RSUs, and PSUs), together we will walk through the timing of exercises, tax implications, and diversification planning—so your equity works for you, not against you.
Additional Areas for Analysis and Incorporation
- Tax-efficient distribution strategies
- Concentrated stock risk management
- Change-of-control and severance event planning
- Estate and legacy coordination
- Charitable planning and philanthropic strategies To chat further please reach out directly.
EMAIL: Jodi.Fleisher@morganstanley.com
PHONE: 303-595-2076
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. I'm a firm believer of giving my clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns.
The resources below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
The resources below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
Policy Impact
The Tax Cut and Jobs Act of 2017 (“TCJA”) made significant changes to individual taxes that were temporary in nature and set to expire on December 31, 2025. The One Big Beautiful Bill Act of 2025 (“BBB”), signed into law on July 4, 2025, makes some of those individual tax provisions permanent and modifies others.
Click here to learn more
Global Investment Committee on the Markets
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition here.
Click here to read the latest publication.
Thoughts On the Market
With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
Listen to the latest episode
The Morgan Stanley Minute
Explore insights on today’s most important investment topics, including legacy planning, active management, cybercrime and monetizing small business.
Explore now
AlphaCurrents
As summer comes to a close, we take a step back to recap our highest-conviction thematic ideas for the years ahead.
Specifically, we offer ideas around four themes we have touched on in recent months.
Read the latest reportSpecifically, we offer ideas around four themes we have touched on in recent months.
Location
1550 Market St
Suite 600
Denver, CO 80202
US
Direct:
(303) 595-2076(303) 595-2076
Fax:
(404) 609-2723(404) 609-2723
Hear From My Clients
Jodi Fleisher, our financial advisor for over a decade, has been invaluable to my family and business. She understands our dynamics and has used her knowledge and experience to help with my cash management, lending and investing needs. She freely shares her wisdom, making her one of the first people we consult when considering business ventures or investments. I highly recommend her and look forward to many more years of working with her.
Billy
Verified ClientApril 5, 2026
Franchise business 20+ years! As small business owners, we’ve taken on many business decisions, financial risks, responsibilities, and opportunities. With MS, and more specifically Jodi Fleisher CFP & QPFC, by our side, we continue to improve our financial goals. For more than a decade, Jodi has proven to be consistent, competent, and very resourceful. Jodi’s invaluable advice has helped us navigate while investing in our future! We will always be grateful to Jodi for her support and guidance!
Kathy
Verified ClientApril 5, 2026
Jodi Fleisher has been our financial advisor for our business and personal needs for the past several years. In this short time, her knowledge and professionalism has been invaluable to us. She is in constant communication and prepared with strategies regarding our investments, cash management, and portfolio strategies. She is a reliable and trustworthy financial advisor. Her commitment, integrity and advice are just some of the reasons we enjoy and feel confident working with Jodi.
Kelley
Verified ClientApril 5, 2026
We’ve had financial advisors in the past that did the obligatory check-ins twice a year. Jodi really invests the time in her clients to get to know them and what they want from their future.
She’s a true advisor…there for life events and, when you hit those inevitable bumps in the road, she’s there as a thought leader and problem solver. She’s quick to leverage her network of contacts to help you in big and small ways.
Dana
Verified ClientApril 19, 2026
It is a pleasure working with Jodi Fleisher. The character trait I value highly is that Jodi treats us as family. Her caring, support and advice considers all issues that we face and is always in our best interest. Jodi is ALWAYS available and has helped me and my family through a number of issues. I came to Jodi with a highly complex family business issue and she worked through all of those complexities to solve the problems we were facing. I am very happy with Jodi’s advice and counsel.
Andy
Verified ClientApril 8, 2026
Jodi Fleisher's professionalism has made a significant positive impact on our financial well-being. She took the time to understand our long-term plans, risk tolerance & crafted our personalized strategy. Through volatile markets, she remains proactive, responsive & consistently focused on our best interests. We highly regard Jodi as trustworthy, knowledgeable & results-driven.
Missy
Verified ClientAugust 28, 2025
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
5285589 3/2026
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
About Matt Stotler
Matt Stotler is a Private Banker serving Morgan Stanley Wealth Management offices in Colorado.
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 1987 with Bank of America and joined Morgan Stanley in 2016 as a Private Banker. Prior to joining the firm, he was a Regional Manager at Merrill Lynch. He also served as a Private Client Manager with U.S. Trust.
Matt is a graduate of California State University, where he received a Bachelor of Arts in Business Administration and a minor in Spanish. He currently lives in Parker, Colorado. Outside of the office, Matt enjoys playing and coaching soccer, as well as spending time hiking, camping, and biking with his 3 daughters.
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 1987 with Bank of America and joined Morgan Stanley in 2016 as a Private Banker. Prior to joining the firm, he was a Regional Manager at Merrill Lynch. He also served as a Private Client Manager with U.S. Trust.
Matt is a graduate of California State University, where he received a Bachelor of Arts in Business Administration and a minor in Spanish. He currently lives in Parker, Colorado. Outside of the office, Matt enjoys playing and coaching soccer, as well as spending time hiking, camping, and biking with his 3 daughters.
NMLS#: 643938
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
Global Investment Office
Portfolio Insights
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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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
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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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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Ready to start a conversation? Contact Jodi R. Fleisher today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative 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.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
4Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
5Morgan Stanley 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.
6Morgan 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
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 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.
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.
12Morgan 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.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
16Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
17Structured 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.
18Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
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.
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1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative 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.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
4Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
5Morgan Stanley 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.
6Morgan 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
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 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.
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.
12Morgan 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.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
16Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
17Structured 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.
18Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
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.
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
