Lorraine Geraghty
Registered Client Associate
Phone:
(610) 260-7271(610) 260-7271
John B Rosenberg
Senior Vice President,
Financial Advisor,
Senior Portfolio Management Director
Direct:
(610) 260-7196(610) 260-7196
Toll-Free:
(800) 247-3238(800) 247-3238
My Mission Statement
My objective is to listen, assess, discuss, recommend, and implement strategies that can help enable the financial needs of the client to be achieved. The risk tolerance of each individual will be discussed and strongly considered in each personal recommendation.
My Story and Services
John is a Senior Vice President, Financial Advisor and Senior Portfolio Management Director, having worked at Smith Barney, now Morgan Stanley, since 2000. Prior to this he enjoyed a successful career in Clinical Psychology both at St. Christopher’s Hospital for Children and CHOP where he was Director of Psychology Training. He also taught at Villanova and Temple Universities. He received a B.A. degree in Psychology from Muhlenberg College and an M.A. degree in Psychology and a doctorate in Child Development, both from Temple University. John’s career in psychology and family therapy has given him an awareness of significant family issues related to financial matters. His ability to listen and respond to individual as well as family concerns is an asset in his working with clients. John served two terms as Board Chair for the Philadelphia Society of Services to Children and was a Board member of the Family Institute of Philadelphia. Earlier he was part owner of the Phila Spartans Soccer Club and a Vice President in the American Soccer League. Currently he serves as Emeritus Trustee at Muhlenberg College, where he served on the Board for 12 years. John is married to Stephanie and has two children and five grandchildren. In addition to satisfaction from helping his clients grow and preserve their assets, he is passionate about opera, Temple University athletics and summers in Maine.
Securities Agent: IL, IA, GA, DE, LA, IN, OR, MD, CT, AZ, NC, DC, RI, PA, NY, ME, CA, WI, NV, MO, KS, TX, SC, MI, FL, CO, WV, WA, VA, OH, MN, MA, NJ, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 1406556
NMLS#: 1406556
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
Setting Your Objectives
We will begin our relationship by listening — discussing the full range of topics related to your financial needs and investment objectives: lifestyle, estate/life insurance planning, philanthropic and legacy goals and expectations, possible major purchases, and legacy and charitable goals. We will discuss your financial resources, time horizon for various goals, tolerance for risk and your liability structure.
Developing Your Wealth Management Strategy
After setting your objectives, our team will create a customized written financial and investment plan. This will address income and retirement planning, asset protection, investment management, strategic borrowing, wealth transfer and business succession. The plan will include an asset allocation strategy designed to help achieve your financial goals in light of your risk tolerance and investment time horizon.
Implementing Your Strategy
After developing your wealth management strategy, we will implement a tactical global asset allocation for your investments which includes our Tax Management Services. Our team also work with you and your attorney to ensure your estate plan is in line with your objectives. This will include our consulting with you on your gifting program, philanthropic goals, and life insurance. Our team will also work with our Private Banker to assess and advise on your borrowing needs.
Reviewing Your Plan
After implementing your strategy, you will meet with a senior advisor to periodically review your financial plan and investment portfolio. This will allow us to track the progress toward your objectives. Moreover, when your personal situation or market conditions change significantly, our team can suggest appropriate adjustments to your plan to help it remain aligned with your goals.
Research & Digital Tools
Morgan Stanley seeks to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future, and why. The links below provide in-depth analysis on interesting topics that are affecting the worlds of business and finance not only now, but in the future.
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Thoughts On The Market Podcast
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
On The Markets Research Report
Morgan Stanley Ideas Podcast
From the use of satellite data technology to solve some of the world's most complex problems, to learning how not to follow the crowd when making decisions, The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond. Click the link below for more information and to access a library of interesting content.
Morgan Stanley Ideas Podcast
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC Weekly Research Report
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:
- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds
Morgan Stanley Online- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Total Wealth ViewThe ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
eAuthorization
With eAuthorizations, you can electronically authorize domestic and international, one-time/recurring transactions through Morgan Stanley Online and the Morgan Stanley Mobile App within minutes.
eAuthorizations leverages multiple strong factors of authentication to confirm your identity, which significantly mitigates security risks.
Enroll in eAuthorizationeAuthorizations leverages multiple strong factors of authentication to confirm your identity, which significantly mitigates security risks.
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Digital VaultCommunity Involvement
Muhlenberg College
I have been involved with Muhlenberg College, a liberal arts college in Allentown, PA, almost since graduation. In addition to serving on the Board for 12 years and now as Trustee Emeritus, my wife, Stephanie, and I have established a speaker series in the Department of Psychology. We have also established a scholarship program for students in need of financial assistance.
Temple University
Since completing my graduate work at Temple University, I have been an active alumnus in support of their athletic programs. In addition, my wife, Stephanie, and I established a scholarship program for Ph.D. students in School Psychology, helping the University to recruit and train the best and brightest minds entering the field.
The Allentown Band
The Allentown Band is the oldest civilian concert band in the United States, and has been in continuous existence since 1828. Their financial existence has depended upon annual contributions and some help from non-profit organizations in the Lehigh Valley. I am pleased to have been significant in the development of an Endowment Fund which will help to assure their continuation for the next 100 years.
Strength of Morgan Stanley
Our Core Values
Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.
Five Core Values
Our Successful Track Record
Watch various episodes that capture Morgan Stanley's success during eras of both prosperity and strife throughout our 87 year history.
Watch Here
Managing Your Everyday Finances
Our digital tools are available to help you conveniently manage your daily finances, accessible via Morgan Stanley Online and the Morgan Stanley Mobile App. Explore our various tools for your banking and lending needs.
Read More
Staying Cybersafe
Safeguarding your assets and information is one of our highest priorities, but you also have a critical role to play. Check out our collection of practical takeaways and best practices from our cybersecurity professionals, then explore a few of the ways we help protect you.
See MoreLocation
100 Front St
Ste 600
West Conshohocken, PA 19428
US
Direct:
(610) 260-7196(610) 260-7196
Toll-Free:
(800) 247-3238(800) 247-3238
Fax:
(610) 397-2850(610) 397-2850
Meet My Team
Dean Gorfti
Registered Client Service Associate
Phone:
(610) 260-7688(610) 260-7688
Nicholas Cissone
Registered Client Service Associate
Phone:
(610) 260-7093(610) 260-7093
Danilo Petrovic
Client Service Associate
Phone:
(610) 260-7125(610) 260-7125
About Lorraine Geraghty
Lorraine joined Morgan Stanley in 2025 and brings over 20 years of experience in the financial services industry. She is dedicated to providing exceptional client service and handles all administrative needs for our clients.
Before joining Morgan Stanley, Lorraine built a robust career in finance, gaining extensive experience in various roles at Merrill Lynch, UBS and HighTower.
Originally from London, England, Lorraine studied business at Bromley College of Technology, which laid the foundation for her career in finance.
In her free time Lorraine enjoys following Formula 1 and soccer. She also spends time gardening and traveling with her husband Mike
Before joining Morgan Stanley, Lorraine built a robust career in finance, gaining extensive experience in various roles at Merrill Lynch, UBS and HighTower.
Originally from London, England, Lorraine studied business at Bromley College of Technology, which laid the foundation for her career in finance.
In her free time Lorraine enjoys following Formula 1 and soccer. She also spends time gardening and traveling with her husband Mike
About Dean Gorfti
Dean Gorfti joined Morgan Stanley in 2021 and is responsible for communicating with clients daily, coordinating and executing client service requests, and providing investment and financial planning analysis.
Prior to joining Morgan Stanley, Dean spent 10 years at Vanguard in a variety of roles, from Brokerage Services Representative to Flagship Assigned Representative in which he worked with over 200 high net-worth families develop plans to reach their financial goals.
Dean is a graduate of The University of Phoenix with a bachelor’s degree in Business Management. While in college, Dean worked in banking at The Bryn Mawr Trust Company which helped solidify his interest in pursuing a career in finance.
Outside of work, Dean makes his home in West Chester, PA with his wife and two sons. He enjoys his free time playing drums in several local bands, hiking, and golfing.
Prior to joining Morgan Stanley, Dean spent 10 years at Vanguard in a variety of roles, from Brokerage Services Representative to Flagship Assigned Representative in which he worked with over 200 high net-worth families develop plans to reach their financial goals.
Dean is a graduate of The University of Phoenix with a bachelor’s degree in Business Management. While in college, Dean worked in banking at The Bryn Mawr Trust Company which helped solidify his interest in pursuing a career in finance.
Outside of work, Dean makes his home in West Chester, PA with his wife and two sons. He enjoys his free time playing drums in several local bands, hiking, and golfing.
About Nicholas Cissone
Nicholas Cissone joined Morgan Stanley in 2024 as a Registered Client Service Associate. He is responsible for coordinating and executing client service requests, communicating with clients daily, and supporting The Spring Mill Wealth Management Group as a Client Service Associate.
Prior to joining Morgan Stanley, Nick spent nearly 3 years at Bank of America/Merrill Lynch in a variety of roles. After graduating from the Fox School of Business at Temple University with a degree in Marketing, Nick began his career working as a Relationship Manager for banking clients within Bank of America. After a year of managing these relationships, Nick transitioned to serving as a Financial Advisor for banking clients on behalf of Merrill Lynch. After providing advice and guidance for those clients on both their investment and banking needs, he started a new role working as a Merrill Lynch Wealth Management Advisor in Philadelphia focusing on high-net-worth clients.
Outside of work, Nick is a passionate sports fan and enjoys watching all Philadelphia teams as well as his favorite soccer team, Chelsea FC. Nick also has a passion for history and frequently visits all the museums Philadelphia has to offer.
Prior to joining Morgan Stanley, Nick spent nearly 3 years at Bank of America/Merrill Lynch in a variety of roles. After graduating from the Fox School of Business at Temple University with a degree in Marketing, Nick began his career working as a Relationship Manager for banking clients within Bank of America. After a year of managing these relationships, Nick transitioned to serving as a Financial Advisor for banking clients on behalf of Merrill Lynch. After providing advice and guidance for those clients on both their investment and banking needs, he started a new role working as a Merrill Lynch Wealth Management Advisor in Philadelphia focusing on high-net-worth clients.
Outside of work, Nick is a passionate sports fan and enjoys watching all Philadelphia teams as well as his favorite soccer team, Chelsea FC. Nick also has a passion for history and frequently visits all the museums Philadelphia has to offer.
About Danilo Petrovic
Danilo Petrovic joined Morgan Stanley in early 2025 as a Client Service Associate. In this role, he plays a key part in maintaining daily client communications, executing service requests with and supporting Financial Advisors to deliver an excellent client experience at Spring Mill Wealth Management Group.
Before joining Morgan Stanley, Danilo spent seven months as an Operations Analyst in Trade Settlement at SEI. There, he gained valuable exposure to back-office operations and financial systems. He holds a Bachelor of Arts in Business Administration from Lycoming College. During his studies, he completed internships at FIS as an IT Administrator and at Paradigm Companies as a Leasing Consultant, which strengthened his foundation in client service and operational efficiency. As a dedicated student-athlete at Lycoming, Danilo contributed to consecutive MAC championship titles with the Men’s Basketball team.
Outside the office, Danilo is an enthusiastic sports fan and outdoor adventurer. He enjoys supporting the Philadelphia Eagles and West Ham United, playing soccer on weekends, golfing, and spending quality time with his family
Before joining Morgan Stanley, Danilo spent seven months as an Operations Analyst in Trade Settlement at SEI. There, he gained valuable exposure to back-office operations and financial systems. He holds a Bachelor of Arts in Business Administration from Lycoming College. During his studies, he completed internships at FIS as an IT Administrator and at Paradigm Companies as a Leasing Consultant, which strengthened his foundation in client service and operational efficiency. As a dedicated student-athlete at Lycoming, Danilo contributed to consecutive MAC championship titles with the Men’s Basketball team.
Outside the office, Danilo is an enthusiastic sports fan and outdoor adventurer. He enjoys supporting the Philadelphia Eagles and West Ham United, playing soccer on weekends, golfing, and spending quality time with his family
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact John B Rosenberg today.
1When 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.
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 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.
4Morgan 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.
5An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
6Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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.
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.
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 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.
4Morgan 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.
5An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
6Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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.
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)
