Tim Golier
Private Banker
John Blum
Senior Vice President,
Branch Manager
Direct:
(908) 626-8601(908) 626-8601
Toll-Free:
(800) 869-4315(800) 869-4315
My Mission Statement
Providing customized and objective based wealth planning strategies that give my clients the confidence that they will be able to achieve their financial and personal goals.
My Story and Services
John Blum is a Producing Manager and Financial Advisor at Morgan Stanley. With over 40 years of experience in the financial industry, John has built a reputation as a trusted advisor to his clients. He holds a bachelor’s degree in Economics and Psychology from The City University of New York Herbert H. Lehman College.
John began his career as a Financial Advisor at Shearson in 1982. Later, he joined Dean Witter in 1990, which eventually merged with Morgan Stanley in 1997. In 1999, he opened the Warren NJ office and has been a producing manager since then. John offers a wide range of services including financial planning, wealth management, investment management, philanthropy/donor advised funds, education planning, life insurance, cash management and lending, retirement planning, and estate planning.
He currently resides in Bayonne, NJ and Sayreville, NJ with his wife Deborah, their dog Bosco, and their cat Rex. Their youngest son lives in Sayreville, with their three grandchildren. When not in the office, John enjoys playing golf and spending time at his property in the Catskills with his family. John is also a big believer in giving back to the community, he is an active supporter of various organizations including St. Jude, Calvary Hospital, The Hudson County Animal League, and the ASPCA.
With his experience and knowledge, John takes great pride in building long-lasting relationships with his clients and helping them navigate through challenging life circumstances, as well as challenging market conditions. His goal is to guide individuals and their families on the right financial path to achieve their goals and secure their financial future.
John began his career as a Financial Advisor at Shearson in 1982. Later, he joined Dean Witter in 1990, which eventually merged with Morgan Stanley in 1997. In 1999, he opened the Warren NJ office and has been a producing manager since then. John offers a wide range of services including financial planning, wealth management, investment management, philanthropy/donor advised funds, education planning, life insurance, cash management and lending, retirement planning, and estate planning.
He currently resides in Bayonne, NJ and Sayreville, NJ with his wife Deborah, their dog Bosco, and their cat Rex. Their youngest son lives in Sayreville, with their three grandchildren. When not in the office, John enjoys playing golf and spending time at his property in the Catskills with his family. John is also a big believer in giving back to the community, he is an active supporter of various organizations including St. Jude, Calvary Hospital, The Hudson County Animal League, and the ASPCA.
With his experience and knowledge, John takes great pride in building long-lasting relationships with his clients and helping them navigate through challenging life circumstances, as well as challenging market conditions. His goal is to guide individuals and their families on the right financial path to achieve their goals and secure their financial future.
Services Include
- Wealth ManagementFootnote1
- 401(k) Rollovers
- Alternative InvestmentsFootnote2
- AnnuitiesFootnote3
- Asset Management
- Cash ManagementFootnote4
- Corporate Retirement PlansFootnote5
- Estate Planning StrategiesFootnote6
- Life InsuranceFootnote7
- Long Term Care InsuranceFootnote8
- Philanthropic Services
- Professional Portfolio ManagementFootnote9
- Qualified Retirement PlansFootnote10
- Retirement PlanningFootnote11
- Stock Option PlansFootnote12
- Stock Purchase Plans
- Structured ProductsFootnote13
Securities Agent: WA, WI, WV, WY, DE, TN, AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TX, UT, VA, VI, VT; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 302531
NMLS#: 302531
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
VALUABLE TOOLS AND RESOURCES
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the many technologies we have to offer our clients. I have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Social Security Benefits: It Can Pay to Wait
Claiming Social Security Benefits early may seem tempting, but waiting until full retirement age could lead to higher payments. Learn more in the article below and let’s discuss.
Learn More
Goals Based Planning
Working with me, pair with our technology, is a great way to access advice and build a wealth plan tailored to your needs. Read more about the advantages of working with your goals planning system.
Learn More
Retirement Planning
What do you envision for your retirement? Traveling the world? Frequently entertaining friends and family at home? Delving into pastimes you had little leeway for during your working years? Whatever your pursuits, it's essential to plan ahead for your spending needs to help ensure that you can afford your dream retirement.
Learn More About Retirement
Total Wealth View
Gain a complete financial picture with Total Wealth View. By linking your outside account information, you can have a holistic financial plan aimed at achieving your short and long term goals.
Learn More
529 Plans - Education Savings Plan
The SECURE 2.0 Act comes a new provision that benefits 529 Plan investors. Unused 529 account assets may be rolled over tax and penalty free to a Roth IRA under certain conditions, starting in 2024.
Listen to the Podcast
Morgan Stanley Online
Your investments and everyday finances are always a few clicks away with Morgan Stanley Online and the Morgan Stanley Mobile App.
Learn More
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More
Thoughts On the Market Podcast
With perspective 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.
Learn More
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this monthly look at markets, asset class performance, and fixed income.
Learn More
Reserved Offers
Exclusive offers to keep Reserved Clients and their families safe and engaged. Offers span across such categories as Dining, Health & Wellness, Travel, Entertainment and more.
Browse the latest offers
Signature Access
Signature Access, the highest tier of Morgan Stanley's complimentary loyalty program Reserved Living & Giving, gives clients with $10 million or more in assets at the firm access to world class services such as Private Health Advisory, Personal Cybersecurity Services, Aircraft Management and more in addition to all the discounts and content available through Reserved Living & Giving.
Learn more about Signature AccessComprehensive Financial Planning
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisor, I am here to help you achieve your financial goals.
Using a suite of tools that includes goal-specific analysis, I can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and your cash management needs.
We can create your personal roadmap to help achieve and protect your goals - a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Using a suite of tools that includes goal-specific analysis, I can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and your cash management needs.
We can create your personal roadmap to help achieve and protect your goals - a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Savings and Cash Flow
Whether you are interested in building an emergency fund, buying a home, starting a family, or preparing for retirement, we are here to help you find the best way to save and invest as you strive to meet your financial goals.
Manage Debt
We thoroughly review your mortgage, auto loans, credit cards, and any other debts that you may have in order to determine where you may be able to save on interest and create a timeline for your payments by prioritizing the debts that should be paid off first.
Insurance
We take a comprehensive look at your financial profile to identify the insurance solutions best suited to your needs. We also review your existing coverage to confirm it remains the right fit for your goals and circumstances.
Retirement
Leading up to and through your retirement, we help you identify some of the most appropriate ways to achieve the income that you need to help ensure that you are on track for your desired lifestyle.
Estate Planning Strategies
Regardless of your current financial situation, it is imperative to have a backup plan for your money in the event that something happens to you. We regularly review this information with you and coordinate with your estate attorney to help ensure that your wishes are met in the most efficient and cost-effective way possible.
Managing Investments
We actively oversee your retirement accounts and other investments based on your risk comfort level and current tax considerations, tailoring an approach that aligns with your unique circumstances, needs, and financial goals.
Education Savings
With education costs rising, paying for college has become a major life expense that requires smart planning. We can help you evaluate options like 529 plans and other savings or investment strategies, coordinate contributions with your broader financial goals, and build a tax-aware approach for funding education expenses.
Private Markets
Morgan Stanley's acquisition of EquityZen enhances its leadership position in private markets. This allows Morgan Stanley to provide increased access to private company shares, which is crucial as companies tend to stay private longer.
Banking & Lending Products
Morgan Stanley has a variety of Cash Management and Lending Solutions designed to help meet your distinct needs. These needs could include: obtaining a Tailored Lending Facility, Liquidity Access Line, Home Loans, and more. Check out the options below and connect with us to learn more.
3.35% Annual Percentage Yield Preferred Savings
Take advantage of our Preferred Savings Program for Qualifying Cash offer with flexible options and more ways to save.
Learn More About Preferred Savings
CashPlus
The CashPlus Brokerage Account is a modern alternative to banking which also offers complimentary Identity and Credit Protection from Experian®, helping to safeguard your identity and financial future.
Learn More About CashPlus
Home Loans
Potential new homeowners are facing different challenges than the generation before them. To make matters worse, high inflation and rising rental prices are making it harder to save for a down payment. Morgan Stanley Clients, if eligible, have options for reduced home loan rates.
Learn More About Home Loans
Liquidity Access Line
As rates rise, we’re here to help with potential financing options for virtually any of your personal or business goals. One option would be a Liquidity Access Line, which is a securities based line of credit that uses the eligible securities in your Morgan Stanley brokerage account as collateral without disrupting your long-term investment strategy. LAL can be used to finance:
Real estate purchases
Home renovations
Business needs
Tax payments
Learn More About LALReal estate purchases
Home renovations
Business needs
Tax payments
Wealth Education
Join us for events that deliver practical insights designed to enhance financial literacy and strengthen financial decision-making skills!
REPLAY: Cryptocurrency and Digital Assets 101
February 2026 Wealth Education Event
Hosted by Caroline Gundeck, Head of Client and Field Engagement, Charline Burgess, Senior Wealth Education Specialist, and Denny Galindo, Port-folio Manager All Cap Growth Portfolio and Lead Cryptocurrency Strategist.
Watch HereHosted by Caroline Gundeck, Head of Client and Field Engagement, Charline Burgess, Senior Wealth Education Specialist, and Denny Galindo, Port-folio Manager All Cap Growth Portfolio and Lead Cryptocurrency Strategist.
REPLAY: Money Mind Reset - The Power of Financial Planning
January 2026 Wealth Education Event
Hosted by Caroline Gundeck, Head of Client and Field Engagement, Anthea Tjuanakis Cox, Head of Financial Planning, and Craig Styles, Senior Philanthropic Advisor.
Watch HereHosted by Caroline Gundeck, Head of Client and Field Engagement, Anthea Tjuanakis Cox, Head of Financial Planning, and Craig Styles, Senior Philanthropic Advisor.
REPLAY: Thinking about Family Legacy: Understanding Governance
December 2025 Wealth Education Event
Hosted by Caroline Gundeck, Head of Client and Field Engagement, Charline Burgess, Senior Wealth Education Specialist, and Clint Eddy, Family Office Resources Generalist.
Watch HereHosted by Caroline Gundeck, Head of Client and Field Engagement, Charline Burgess, Senior Wealth Education Specialist, and Clint Eddy, Family Office Resources Generalist.
REPLAY: Giving Back: The Joy of Philanthropy and Social Impact
November 2025 Wealth Education Event
Hosted by Caroline Gundeck, Head of Client and Field Engagement, Charline Burgess, Senior Wealth Education Specialist, Melanie Schnoll Begun, Head of FOR Field Engagement and Philanthropy Management, and Emily Thomas, Head of Investing with Impact.
Watch HereHosted by Caroline Gundeck, Head of Client and Field Engagement, Charline Burgess, Senior Wealth Education Specialist, Melanie Schnoll Begun, Head of FOR Field Engagement and Philanthropy Management, and Emily Thomas, Head of Investing with Impact.
Client Service Team
Eileen Monahan, Portfolio Associate - Portfolio Associate
Phone:
(908) 626-8609(908) 626-8609
Email:eileen.monahan@ms.com
Location
15 Independence Blvd 1st
Fl
Warren, NJ 07059
US
Direct:
(908) 626-8601(908) 626-8601
Toll-Free:
(800) 869-4315(800) 869-4315
Fax:
(908) 626-8642(908) 626-8642
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
Lorraine Blevins
Vice President, Taxable Fixed Income Sales
About Tim Golier
Tim Golier is a Private Banker serving Morgan Stanley Wealth Management offices in Central New Jersey.
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.
Tim began his career in financial services in 2018 when he joined Morgan Stanley as an Associate Private Banker.
Tim is a graduate of Boston College, where he received a Bachelor of Arts in Communications. He lives in Mendham, NJ with his family. Outside of the office, Tim enjoys playing sports, watching movies, reading, writing, and spending time with his family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Tim began his career in financial services in 2018 when he joined Morgan Stanley as an Associate Private Banker.
Tim is a graduate of Boston College, where he received a Bachelor of Arts in Communications. He lives in Mendham, NJ with his family. Outside of the office, Tim enjoys playing sports, watching movies, reading, writing, and spending time with his family.
NMLS#: 1732134
About Eva Minisini
Eva Minisini is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, she collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, she will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Eva provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
She earned her undergraduate degree from New York University and received the Financial Planning Specialist® designation from the College for Financial Planning. Eva is originally from Chicago, IL and currently resides in New York, NY.
She earned her undergraduate degree from New York University and received the Financial Planning Specialist® designation from the College for Financial Planning. Eva is originally from Chicago, IL and currently resides in New York, NY.
About Lorraine Blevins
Lorraine Blevins, Vice President, Taxable Fixed Income Sales, has been a dedicated member of Morgan Stanley since 1996, specializing in fixed income sales within the Wealth Management Investment Solutions division. She received her Bachelor of Science in Finance from Rutgers University and is a lifelong member of the international honor society Beta Gamma Sigma. Lorraine serves as a key liaison between financial advisors and traders. Throughout her tenure, she has developed subject matter expertise across a broad range of taxable products. In addition, she provides guidance on bond sales, portfolio reviews, customized investment proposals, delivering tailored fixed income solutions to meet clients’ needs.
Originally from Scotland, Lorraine has made the USA her home. She is a devoted mother to two teenagers and enjoys spending the summer months on the water, sailing and jet skiing, after obtaining her boating license.
Originally from Scotland, Lorraine has made the USA her home. She is a devoted mother to two teenagers and enjoys spending the summer months on the water, sailing and jet skiing, after obtaining her boating license.
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When 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.
Morgan Stanley Wealth Management Fixed Income Sales and Product Professionals provide services to Morgan Stanley Wealth Management Financial Advisors for information purposes only. They do not provide recommendations or solicitations to participate in any offer or sale of a security or trading strategy. It is the responsibility of the Morgan Stanley Wealth Management Financial Advisor to take into account the client's circumstances, investment objectives and risk tolerance before offering or selling securities to a client, to ensure such offer or sale is appropriate and consistent with the applicable standard of care.
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When 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.
Morgan Stanley Wealth Management Fixed Income Sales and Product Professionals provide services to Morgan Stanley Wealth Management Financial Advisors for information purposes only. They do not provide recommendations or solicitations to participate in any offer or sale of a security or trading strategy. It is the responsibility of the Morgan Stanley Wealth Management Financial Advisor to take into account the client's circumstances, investment objectives and risk tolerance before offering or selling securities to a client, to ensure such offer or sale is appropriate and consistent with the applicable standard of care.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact John Blum today.
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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
5When 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.
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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
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.
13Structured 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.
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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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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
5When 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.
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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
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.
13Structured 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.
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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)
