Ashlee Durie
Client Service Associate
Phone:
(334) 270-2618(334) 270-2618
Jody McInnes
Senior Vice President, Wealth Management,
Financial Advisor,
Family Wealth Advisor,
Lending Specialist
Direct:
(334) 270-2627(334) 270-2627
Toll-Free:
(800) 526-0678(800) 526-0678
My Mission Statement
Working with individuals and institutions to integrate a “balance sheet” approach into comprehensive investment and wealth management strategies.
My Story
With more than 27 years of experience in wealth management, Jody works with successful business owners, executives, and high-net-worth and ultra-high-net-worth families who face increasingly complex financial decisions. His approach is centered on helping clients create clarity by bringing together comprehensive financial planning, investment management, and institutional resources under one coordinated strategy.
For Jody, wealth management is deeply personal. He is thoughtful about the clients and families he works with and believes the strongest relationships are built over time through trust, consistency, and a genuine understanding of what matters most to them. He takes the time to know his clients beyond their balance sheets—their families, businesses, priorities, and the legacy they hope to build. In many cases, those relationships extend to the next generation, as Jody works with clients’ children to help them develop an understanding of their financial lives and prepare to build, manage, and steward wealth of their own.
Every relationship begins with a financial plan built around a client’s cash flow, goals, and evolving priorities. Jody believes clients should have confidence that they can access their money anytime, anywhere in the world, while knowing the different pieces of their financial lives are working together toward their long-term objectives. Many of his clients wear multiple hats—as business owners, executives, investors, and family leaders—and he helps them navigate the intersection of personal wealth, family priorities, and business finances through thoughtful, coordinated planning.
As those needs evolve, Jody can draw on the broader capabilities of Morgan Stanley, partnering with the firm’s Graystone Institutional Consulting team and a network of specialized professionals. Together, they can address areas such as corporate retirement plans, executive compensation strategies, defined benefit and defined contribution plans, participant education, corporate cash management, investment banking and capital markets resources, captive insurance strategies, and corporate foundation consulting. He also works with family businesses preparing for future generations, endowments and foundations, and professionals with specialized planning needs. This collaborative approach allows Jody to bring institutional resources to the table without losing the personal attention and close relationships that define his practice.
Jody earned his Bachelor of Science in Commerce and Business Administration from The University of Alabama before completing a Master of Arts in Finance through The Manderson Graduate School of Business, with concentrations in Investment Management, Global Real Estate, and Global Capital Markets.
Outside the office, Jody enjoys spending time with his two sons, Duncan and Thomas. Whether he’s on the tennis court, wing shooting, quail hunting, or relaxing with his English Cocker Spaniel, Sadie, he values time spent with family and friends. He serves on the Board of Directors for the Alabama Shakespeare Festival and is an active member of First United Methodist Church in Montgomery.
For Jody, wealth management is deeply personal. He is thoughtful about the clients and families he works with and believes the strongest relationships are built over time through trust, consistency, and a genuine understanding of what matters most to them. He takes the time to know his clients beyond their balance sheets—their families, businesses, priorities, and the legacy they hope to build. In many cases, those relationships extend to the next generation, as Jody works with clients’ children to help them develop an understanding of their financial lives and prepare to build, manage, and steward wealth of their own.
Every relationship begins with a financial plan built around a client’s cash flow, goals, and evolving priorities. Jody believes clients should have confidence that they can access their money anytime, anywhere in the world, while knowing the different pieces of their financial lives are working together toward their long-term objectives. Many of his clients wear multiple hats—as business owners, executives, investors, and family leaders—and he helps them navigate the intersection of personal wealth, family priorities, and business finances through thoughtful, coordinated planning.
As those needs evolve, Jody can draw on the broader capabilities of Morgan Stanley, partnering with the firm’s Graystone Institutional Consulting team and a network of specialized professionals. Together, they can address areas such as corporate retirement plans, executive compensation strategies, defined benefit and defined contribution plans, participant education, corporate cash management, investment banking and capital markets resources, captive insurance strategies, and corporate foundation consulting. He also works with family businesses preparing for future generations, endowments and foundations, and professionals with specialized planning needs. This collaborative approach allows Jody to bring institutional resources to the table without losing the personal attention and close relationships that define his practice.
Jody earned his Bachelor of Science in Commerce and Business Administration from The University of Alabama before completing a Master of Arts in Finance through The Manderson Graduate School of Business, with concentrations in Investment Management, Global Real Estate, and Global Capital Markets.
Outside the office, Jody enjoys spending time with his two sons, Duncan and Thomas. Whether he’s on the tennis court, wing shooting, quail hunting, or relaxing with his English Cocker Spaniel, Sadie, he values time spent with family and friends. He serves on the Board of Directors for the Alabama Shakespeare Festival and is an active member of First United Methodist Church in Montgomery.
Services Include
- Financial PlanningFootnote1
- Cash Management and Lending ProductsFootnote2
- Professional Portfolio ManagementFootnote3
- Life InsuranceFootnote4
- Long-term Care InsuranceFootnote5
- Estate Planning StrategiesFootnote6
- Trust ServicesFootnote7
- Philanthropic ManagementFootnote8
- Institutional ServicesFootnote9
- Corporate Retirement PlansFootnote10
- Corporate Pension Plans
- Executive Benefit ServicesFootnote11
- Stock Plan ServicesFootnote12
- Endowments and FoundationsFootnote13
Securities Agent: NE, KY, VA, PA, NV, IL, KS, GA, OR, MI, CA, NJ, MA, FL, DE, VT, TN, SC, NC, MS, WI, NY, AL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279065
CA Insurance License #: 0G01158
NMLS#: 1279065
CA Insurance License #: 0G01158
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A Distinctive Approach to Goals-Based Investing
Constructing an investment portfolio starts with a goal, or a series of goals – how much do you want to accomplish, what do you need to do to live the way that you want to live?
To reach your goals, it’s important to aim for a rational projected rate of return on your portfolio, but that’s still not enough. You also need to think about liabilities – fees, taxes and various forms of risk.
Before Jody makes investment recommendations, he works with his clients to establish concrete goals. He then constructs portfolios based on a total wealth management approach that uses assets earned to fund the liabilities that clients incur over time.
To reach your goals, it’s important to aim for a rational projected rate of return on your portfolio, but that’s still not enough. You also need to think about liabilities – fees, taxes and various forms of risk.
Before Jody makes investment recommendations, he works with his clients to establish concrete goals. He then constructs portfolios based on a total wealth management approach that uses assets earned to fund the liabilities that clients incur over time.
Structuring Your Accounts - A Different Way to Think About Your Wealth Plan
As a wealth manager, Jody often talks to clients about specific and discrete goals – paying for college, buying a second home, or taking the trip of a lifetime. However, there are other goals that are more than just single events. These goals are anticipated life stages such as retirement or having grandchildren. Accumulating assets for both discrete goals and long-term life stages requires a comprehensive, seamless integration of dynamic planning strategies.
To make sense of this, Jody uses a “3 Bucket” system. Broadly speaking, Jody helps his clients divide their assets into Operating Money, Reserve Money and Long Term Money. Each of these three “Buckets” is designed for its own purpose and the assets are managed accordingly. This system helps clients financially prepare for every discrete event and life stage, as well as unplanned opportunities or challenges that inevitably arise.
To make sense of this, Jody uses a “3 Bucket” system. Broadly speaking, Jody helps his clients divide their assets into Operating Money, Reserve Money and Long Term Money. Each of these three “Buckets” is designed for its own purpose and the assets are managed accordingly. This system helps clients financially prepare for every discrete event and life stage, as well as unplanned opportunities or challenges that inevitably arise.
Institutional Investors - The Tax Advantages of Experience and Professional Focus
Institutions seeking informed advice and thoughtful solutions are often in a bind – many are not big enough for a major institutional advisor, yet they have complex needs that a typical money manager might not be able address. Jody’s background in working with organizations and institutions allows him to bridge this gap for his clients.
Throughout his career, Jody has worked with land preservation trusts, insurance companies, and businesses requiring assistance with corporate cash management and retirement plan management.
Depending on the particular needs of these clients, Jody often leverages the vast global resources of Morgan Stanley to get specific answers to complicated questions. As a result, Jody’s clients receive the knowledge, solutions and excellence in service they deserve, common advantages of working with a boutique-style firm.
Throughout his career, Jody has worked with land preservation trusts, insurance companies, and businesses requiring assistance with corporate cash management and retirement plan management.
Depending on the particular needs of these clients, Jody often leverages the vast global resources of Morgan Stanley to get specific answers to complicated questions. As a result, Jody’s clients receive the knowledge, solutions and excellence in service they deserve, common advantages of working with a boutique-style firm.
Market Insights
I believe financial topics should be easy to understand, practical, and relevant to each client’s goals. My aim is to help clients gain greater clarity around the strategies, choices, and market dynamics that may shape their financial future.
I’m dedicated to sharing timely resources and meaningful perspectives that help clients stay up to date on market activity, economic shifts, and important themes across the financial and business landscape. Below are several insights and resources we frequently provide.
I’m dedicated to sharing timely resources and meaningful perspectives that help clients stay up to date on market activity, economic shifts, and important themes across the financial and business landscape. Below are several insights and resources we frequently provide.
GIC Weekly Research Report
Commonly featured content includes weekly chart commentary, fixed income perspectives, market and liquidity updates, and tactical allocation views.
Read the Latest Report
On the Market Research Report
Current market insights and perspective from Morgan Stanley thought leaders, spanning global equities, fixed income, economic policy, and key market developments.
Read the Latest Report
Thoughts on the Market Podcast
Hosted by Mike Wilson alongside other Morgan Stanley leaders, this podcast examines the key trends, themes, and developments shaping today’s markets and economic landscape.
Listen to the Latest Episode
What Should I Do With My Money Podcast
Hearing real-life financial conversations can help strengthen your own decision-making approach, particularly during important life transitions.
Listen to the Latest EpisodeDigital tools
Our digital tools are designed to make managing your financial life simpler, more convenient, and more connected. Here are several resources and technologies available to help support our clients.
Morgan Stanley Online
Manage your investments and day-to-day finances securely and conveniently in one centralized platform.
Get Started with Morgan Stanley Online
Morgan Stanley Mobile App
Take Morgan Stanley Online with you wherever you go, using mobile-friendly features that help make managing your finances easier and more convenient.
Learn More About the Mobile App
Online Security Center
Protecting your personal information and financial accounts remains a top priority. Explore tools and resources designed to help keep your information secure.
Visit the Online Security Center
Digital Vault
Securely store, organize, and share important financial documents—including statements, tax documents, authorizations, and other key records—with ease.
Explore Digital Vault
Total Wealth View
Securely connect outside accounts to see more of your financial picture in one place. With Total Wealth View, you can gain a broader perspective to support planning and make it easier to monitor your overall finances.
Learn More About Total Wealth View
MS Reserved
Reserved Living & Giving is Morgan Stanley’s complimentary loyalty program for eligible clients, providing access to exclusive lifestyle benefits, curated experiences, and unique opportunities that extend beyond traditional wealth management.
Learn More About MS ReservedLocation
7515 Halcyon Summit Dr
Ste 300
Montgomery, AL 36117
US
Direct:
(334) 270-2627(334) 270-2627
Toll-Free:
(800) 526-0678(800) 526-0678
Fax:
(334) 651-8991(334) 651-8991
Meet My Team
About Ashlee Durie
Ashlee joined Morgan Stanley in 2019 after 6 years with BBVA. She also gained management experience from many years in the retail banking industry. Ashlee has a passion for client interaction, helping them with all their daily needs. She is an alumnus of Troy University, and she now lives in Pike Road with her husband Matt and their 4 children. In her free time, Ashlee enjoys travelling and spending time outdoors with the family dog, Scarlett.
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
Whitney Syme
Associate Private Banker
About Whitney Syme
Whitney Syme is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Alabama, Arkansas, and Florida.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Whitney began her career in financial services in 2006 when she joined Morgan Stanley. Prior to her current role she served as a Business Development Associate and as a Senior Complex Service Manager.
Whitney is a graduate of the Auburn University, where she received a Bachelor of Science in Marketing. She lives in Birmingham, Alabama with her family. Whitney is a member of the Big Oak Ranch Auxiliary and Vestavia Hills Elementary Cahaba Heights Parent Teacher Organization. Outside of the office, Whitney enjoys painting, hiking, skiing, and traveling
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Whitney began her career in financial services in 2006 when she joined Morgan Stanley. Prior to her current role she served as a Business Development Associate and as a Senior Complex Service Manager.
Whitney is a graduate of the Auburn University, where she received a Bachelor of Science in Marketing. She lives in Birmingham, Alabama with her family. Whitney is a member of the Big Oak Ranch Auxiliary and Vestavia Hills Elementary Cahaba Heights Parent Teacher Organization. Outside of the office, Whitney enjoys painting, hiking, skiing, and traveling
NMLS#: 2277780
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
Ready to start a conversation? Contact Jody McInnes today.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
3Morgan 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.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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.
8Products 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.
9Morgan 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.
10When 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.
11When 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.
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.
13Morgan 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.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
3Morgan 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.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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.
8Products 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.
9Morgan 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.
10When 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.
11When 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.
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.
13Morgan 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.
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)
