Matt Harris, CEPA®
First Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(513) 762-5232(513) 762-5232
John Gould, CFP®, CPWA®, CPM®, CEPA®
Senior Vice President, Wealth Management,
Financial Advisor,
Portfolio Management Director,
Alternative Investments Director,
Workplace Advisor – Equity Compensation
Direct:
(513) 562-8309(513) 562-8309
Toll-Free:
(800) 659-6599(800) 659-6599
My Mission Statement
From executives and business owners to retirees and families – we’ve been helping our clients navigate every step of their financial future for decades, right here in Cincinnati, OH.
Welcome
The more money you earn, the more complicated your financial life can become. The stakes get higher. The challenges get more complex. This can be true whether you’re planning for retirement, trying to maximize your philanthropic giving, seeking alternative investments, or navigating your employer’s stock option plans. And no matter what your goals or circumstances, there are some questions everyone must ask:
• How can I better protect what I’ve earned?
• Can I be doing more to secure my family’s financial future?
As a financial advisor here in Cincinnati, I help clients answer these and many more tough questions every day. With more than 55 combined years in the industry, my highly-experienced team provides industry-leading resources, a commitment to exceptional service, and a relentless drive to make your wealth work harder.
Our commitment shows: John Gould has been named a Five Star Wealth Manager for five straight years.*
For a second opinion about your current investments, or to talk about your goals, please call us at (513) 562-8313, or email Janie.Shaffer@morganstanley.com.
*2017, 2018, 2019, 2020, 2021 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2017, 2018, 2019, 2020, 2021) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2021: 12/14/20 - 07/9/21
2020: 12/2/19 - 6/12/20
2019: 11/19/18 - 6/28/19
2018: 12/20/17 - 7/19/18
2017: 12/21/16 - 6/29/17
• How can I better protect what I’ve earned?
• Can I be doing more to secure my family’s financial future?
As a financial advisor here in Cincinnati, I help clients answer these and many more tough questions every day. With more than 55 combined years in the industry, my highly-experienced team provides industry-leading resources, a commitment to exceptional service, and a relentless drive to make your wealth work harder.
Our commitment shows: John Gould has been named a Five Star Wealth Manager for five straight years.*
For a second opinion about your current investments, or to talk about your goals, please call us at (513) 562-8313, or email Janie.Shaffer@morganstanley.com.
*2017, 2018, 2019, 2020, 2021 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2017, 2018, 2019, 2020, 2021) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2021: 12/14/20 - 07/9/21
2020: 12/2/19 - 6/12/20
2019: 11/19/18 - 6/28/19
2018: 12/20/17 - 7/19/18
2017: 12/21/16 - 6/29/17
Services Include
- 401(k) Rollovers
- Alternative InvestmentsFootnote1
- Asset Management
- Business Succession PlanningFootnote2
- Divorce Financial AnalysisFootnote3
- Executive Financial ServicesFootnote4
- Financial PlanningFootnote5
- Life InsuranceFootnote6
- Municipal BondsFootnote7
- Qualified Retirement PlansFootnote8
- Structured ProductsFootnote9
- Wealth ManagementFootnote10
- Wealth PlanningFootnote11
Securities Agent: MD, PA, WA, NY, NM, IN, VA, OH, AZ, NC, MO, MN, CO, NV, MA, LA, KS, FL, CA, OK, MI, KY, NJ, IL, ID, TN, DC, TX, OR, DE, SC, GA, WI, IA, AR; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1587193
AR Insurance License #: 2213662
NMLS#: 1587193
AR Insurance License #: 2213662
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Pillars of My Practice
Knowledge is Power.
Our goal is to help educate you and your family so that you’re confident about the financial decisions you make today, tomorrow, and beyond. That’s why we:
• Make ourselves available to help answer your questions big and small.
• Maintain open and ongoing communication with you to help ensure nothing is overlooked.
• Host frequent seminars on relevant topics – such as retirement planning, healthcare costs in retirement, estate planning strategies, social security, and alternative investments.
• Make ourselves available to help answer your questions big and small.
• Maintain open and ongoing communication with you to help ensure nothing is overlooked.
• Host frequent seminars on relevant topics – such as retirement planning, healthcare costs in retirement, estate planning strategies, social security, and alternative investments.
Your Money Should Work as Hard as You Do
Put simply, hard work is in our DNA. John and Janie’s past experience as NCAA Division I athletes helps bring a unique discipline and drive to our team – and your outcomes. Day in and day out, we work diligently to help you reach your long-term financial goals. What’s more, we place a special emphasis on nurturing lifelong relationships with clients that are built on respect, rapport, trust, and attention to detail.
You are Unique. Your Financial Strategy Should be too.
Smart wealth management strategies don’t come in “one-size-fits-all.” That’s why our financial plans are focused on who you are and what’s important to you. This applies to your portfolio, too. Along with my distinctive Alternative Investments designation, I leverage the industry-leading resources of Morgan Stanley's Global Investment Committee to manage client portfolios – taking full advantage of the most up-to-date research, analysis, and leading trading platforms in the industry.
My Process
Like a fingerprint – each client’s financial picture is truly unique. That’s why custom financial solutions are the absolute bedrock of my practice.
Step 1: Understand Your Situation
My process begins with you. I start by asking about your career, your family, your interests, and your risk tolerance. I want to learn what motivates you, what concerns you, and what dreams you have for your children and grandchildren. Then I compile all this information to craft your personalized financial plan.
Step 2: Develop a Plan
Our comprehensive, goal-based plans are tailored to your specific needs and goals. At the same time, they reflect my team’s “out of the box” thinking, and address wealth preservation strategies through legacy planning.
Step 3: Implement Recommendations
Backed by the global resources of one of the world’s largest wealth management firms, we are able to address complex financial situations as we execute your investment strategy and implement your wealth management plan.
Step 4: Monitor
Ongoing monitoring helps you stay the course, coordinate with other professionals, and enables us to scan for both threats and opportunities to ensure clients avoid financial pitfalls.
The Power of “Alts”
Why “Alts” Matter
Alternative Investments aren’t a new phenomenon, but these days investors are flocking to the “Alts” sector more than ever. That’s because people are up against a host of new investment obstacles – from rising inflation rates to heightened market volatility – that Alternative Investments can help overcome. Not only can Alts help protect you from being “overexposed” in one investment sector, they can also help you seek out new frontiers for growth and access more attractive sources of return.
My Investment Edge
With my distinctive Alternative Investment Director designation – which is held by only 2% of Morgan Stanley Advisors in Ohio as of 2/22 – I’m able to tap into an increasingly diverse set of investment options beyond traditional stocks, bonds, and cash. Plus, I’m backed by the power of Morgan Stanley’s unique Alternative Investments Platforms. That means you have exclusive access to funds that may otherwise be available only to institutional investors – including Hedge Funds, Private Equity, Private Credit, Private Real Estate, Infrastructure, and Exchange Funds.
The Takeaway
Whether through enhanced returns, risk management, increased diversification, or tax benefits – Alternative Investments can offer benefits beyond what traditional stock and bond funds are typically able to provide. At the end of the day, that means you can be more effective in reaching your goals.
Keeping you Informed and Prepared
Life can be filled with unpredictable events. It’s how we manage these moments that determine our future success. That’s why I like to keep you prepared and informed every step of the way. Whether you’re dealing with transitional life events or simply want to better understand market cycles, my team and I host seminars on a variety of topics so that you know what you need to prepare for, how, and when.
Thoughts on the Market Podcast
Each week, Mike Wilson offers his perspective on the forces shaping the markets and how to separate the signal from the noise. Listen to his most recent episode and check out those of his colleagues from across Morgan Stanley Research.
Listen Here
The GIC Weekly
The Global Investment Committee (GIC) is a group of seasoned investment professionals who meet regularly to discuss the global economy and markets. The committee determines the investment outlook that guides our advice to clients.
Read Here
2025 Tax Tables
As tax filing deadlines approach, you can prepare for this year's filing with the updated 2025 tax tables.
View 2025 Tax Tables
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential, manage unrealized gains and help keep more of what you earn.
Learn More
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online TodayLocation
7755 Montgomery Road 2nd
Floor
Cincinnati, OH 45236
US
Direct:
(513) 562-8309(513) 562-8309
Toll-Free:
(800) 659-6599(800) 659-6599
Fax:
(513) 651-1136(513) 651-1136
Meet My Team
Janie Shaffer, CDFA®
Business Development Director
Phone:
(513) 562-8313(513) 562-8313
Kim Wright
Registered Client Service Associate
Phone:
(513) 762-5204(513) 762-5204
Anna Kohlem
Assistant Vice President, Wealth Management Associate, Financial Planning Specialist
Phone:
(513) 562-8320(513) 562-8320
About Matt Harris
Matt Harris, CEPA®
Vice President
Portfolio Manager
Financial Advisor
Matt Harris is a Financial Advisor with the Celestial Group at Morgan Stanley in Cincinnati, Ohio. Leveraging his extensive experience in institutional investing, he is dedicated to guiding clients toward achieving their sophisticated long-term financial objectives.
A graduate of Denison University, Matt spent the first 19 years of his career on Wall Street, advising Institutional clients and large family offices on portfolio construction, research, and trading strategies. He began his career with Morgan Stanley in 1998 with the international/domestic institutional equity group. He went on to serve as Head of Trading at several well-respected boutique firms in the New York area, including Tuohy Brothers, Madison Williams, and Janney Montgomery Scott. Prior to rejoining Morgan Stanley, he also served as Director of Sales at Clarkson Capital, where he recommended equity/debt research strategies and public/private investment banking deals to portfolio managers and analysts. In 2015, driven by a desire to engage directly with affluent individuals and families, Matt transitioned to his current role as a Financial Advisor.
With a robust investing background, Matt brings a wealth of analytical prowess to his role guiding business owners, pre-retirees, and retirees. But his practice goes beyond portfolio management. Blending financial planning, estate planning, tax optimization strategies, and charitable giving — along with dynamic portfolio management — he equips his clients with the tools and knowledge necessary to help navigate the complexities of high net worth. He has also undertaken rigorous coursework to become a Certified Exit Planning Advisor® (CEPA®) — an elite designation he leverages to deliver tailored solutions to business owners and entrepreneurs leading up to, during, and after the sale of their company. Bottom line: Matt doesn't just manage wealth; he helps cultivate financial empowerment for his clients for decades and generations to come.
Outside the office, Matt lives in Cincinnati with his wife Heather and their 3 children: Hunter, Madison and Lilly. A former NCAA Lacrosse player, he is an avid sports fan and enjoys staying active in his free time.
Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters.
Morgan Stanley Smith Barney LLC. Member SIPC.
3649192 6/24
Securities Agent: OK, MD, LA, KY, KS, FL, MO, DC, AZ, MA, IN, NC, IA, GA, AR, MN, IL, VA, NM, ID, TX, SC, OR, NJ, CA, OH, WA, MI, NY, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1517459
Vice President
Portfolio Manager
Financial Advisor
Matt Harris is a Financial Advisor with the Celestial Group at Morgan Stanley in Cincinnati, Ohio. Leveraging his extensive experience in institutional investing, he is dedicated to guiding clients toward achieving their sophisticated long-term financial objectives.
A graduate of Denison University, Matt spent the first 19 years of his career on Wall Street, advising Institutional clients and large family offices on portfolio construction, research, and trading strategies. He began his career with Morgan Stanley in 1998 with the international/domestic institutional equity group. He went on to serve as Head of Trading at several well-respected boutique firms in the New York area, including Tuohy Brothers, Madison Williams, and Janney Montgomery Scott. Prior to rejoining Morgan Stanley, he also served as Director of Sales at Clarkson Capital, where he recommended equity/debt research strategies and public/private investment banking deals to portfolio managers and analysts. In 2015, driven by a desire to engage directly with affluent individuals and families, Matt transitioned to his current role as a Financial Advisor.
With a robust investing background, Matt brings a wealth of analytical prowess to his role guiding business owners, pre-retirees, and retirees. But his practice goes beyond portfolio management. Blending financial planning, estate planning, tax optimization strategies, and charitable giving — along with dynamic portfolio management — he equips his clients with the tools and knowledge necessary to help navigate the complexities of high net worth. He has also undertaken rigorous coursework to become a Certified Exit Planning Advisor® (CEPA®) — an elite designation he leverages to deliver tailored solutions to business owners and entrepreneurs leading up to, during, and after the sale of their company. Bottom line: Matt doesn't just manage wealth; he helps cultivate financial empowerment for his clients for decades and generations to come.
Outside the office, Matt lives in Cincinnati with his wife Heather and their 3 children: Hunter, Madison and Lilly. A former NCAA Lacrosse player, he is an avid sports fan and enjoys staying active in his free time.
Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters.
Morgan Stanley Smith Barney LLC. Member SIPC.
3649192 6/24
Securities Agent: OK, MD, LA, KY, KS, FL, MO, DC, AZ, MA, IN, NC, IA, GA, AR, MN, IL, VA, NM, ID, TX, SC, OR, NJ, CA, OH, WA, MI, NY, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1517459
Securities Agent: AZ, OH, LA, KY, KS, FL, MO, DC, MA, IN, WA, MI, NY, NV, MD, NC, IA, GA, AR, MN, IL, DE, VA, NM, ID, TX, SC, OR, OK, NJ, CA, PA; General Securities Representative; Investment Advisor Representative
About Janie Shaffer
Janie Shaffer, CDFA®
Business Development Director
Janie Shaffer is a Business Development Director with The Celestial Group at Morgan Stanley. She focuses on building long-term relationships tailored to the needs of select families and individuals in the greater Cincinnati area.
A graduate of Duke University with a bachelor's degree in sociology, Janie also competed in Division 1 volleyball for the Blue Devils. After receiving her law degree from the University of Cincinnati College of Law, she became UC's Assistant Athletic Director of Compliance and Senior Woman Administrator, where she drafted the Athletic Department's Gender Equity Plan to ensure Title IV compliance. After leaving UC, Janie worked several years as the Athletic Director of a local high school and as a Contractor and Marketing Specialist running the only Olympic Qualifier for professional beach volleyball in the United States. Transitioning to a career in financial services, she joined Morgan Stanley in 2017.
Previously, Janie served as a Financial Advisor and Alternative Investments Director. In her current role, she draws on her extensive professional experience and highly-skilled training to bring a disciplined focus and multidisciplinary approach to her clients' financial lives. With meticulous attention to detail, she applies the critical thinking skills she developed in law school to help simplify complexities and identify innovative solutions. She also takes pride in getting to know and understand each and every client individually - as people, not just investors. It is with this level of attentive care that she builds financial strategies designed to help meet each client's unique needs, objectives, and risk tolerance.
Outside of the office, Janie lives in Cincinnati with her husband, three children, and an Australian Labradoodle named Paxton. When not spending time with her family or serving clients, she enjoys playing golf, listening to live music, and being active in her community.
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.
Business Development Director
Janie Shaffer is a Business Development Director with The Celestial Group at Morgan Stanley. She focuses on building long-term relationships tailored to the needs of select families and individuals in the greater Cincinnati area.
A graduate of Duke University with a bachelor's degree in sociology, Janie also competed in Division 1 volleyball for the Blue Devils. After receiving her law degree from the University of Cincinnati College of Law, she became UC's Assistant Athletic Director of Compliance and Senior Woman Administrator, where she drafted the Athletic Department's Gender Equity Plan to ensure Title IV compliance. After leaving UC, Janie worked several years as the Athletic Director of a local high school and as a Contractor and Marketing Specialist running the only Olympic Qualifier for professional beach volleyball in the United States. Transitioning to a career in financial services, she joined Morgan Stanley in 2017.
Previously, Janie served as a Financial Advisor and Alternative Investments Director. In her current role, she draws on her extensive professional experience and highly-skilled training to bring a disciplined focus and multidisciplinary approach to her clients' financial lives. With meticulous attention to detail, she applies the critical thinking skills she developed in law school to help simplify complexities and identify innovative solutions. She also takes pride in getting to know and understand each and every client individually - as people, not just investors. It is with this level of attentive care that she builds financial strategies designed to help meet each client's unique needs, objectives, and risk tolerance.
Outside of the office, Janie lives in Cincinnati with her husband, three children, and an Australian Labradoodle named Paxton. When not spending time with her family or serving clients, she enjoys playing golf, listening to live music, and being active in her community.
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.
About Kim Wright
Kim Wright
Client Service Associate
Kim Wright is a Client Service Associate with The Celestial Group at Morgan Stanley in Cincinnati, Ohio. With a diverse background spanning wealth management, entrepreneurship, and politics, Kim brings a client-first approach to every interaction.
Before joining Morgan Stanley, Kim spent five years at Merrill Lynch, where she supported financial advisors and gained invaluable insights into wealth management. Her career began in politics, where she worked on Capitol Hill for Senator Don Nickles and contributed to several presidential campaigns. Later, she honed her business acumen through a range of roles, including leading a team of women in direct sales and running a small business. Each of these experiences sharpened her ability to build lasting relationship and provide personalized strategies — skills that directly translate to her current role.
Today, Kim helps maintain The Celestial Group’s operational standard of excellence, working closely with the team’s financial advisors and clients alike. She is proud to be the first point of contact for a wide range of client needs, striving to ensure that each client receives prompt, personalized attention and strategies tailored to help meet their financial goals. Her dedication to supporting the team and clients helps ensure a seamless experience, from account administration to managing day-to-day financial inquiries. With a deep understanding of the wealth management process and a passion for service, Kim is committed to delivering an exceptional client experience that reflects the values of The Celestial Group.
Outside of the office, Kim enjoys spending time with her family and giving back to her community — values she holds dear in both her professional and personal life.
Client Service Associate
Kim Wright is a Client Service Associate with The Celestial Group at Morgan Stanley in Cincinnati, Ohio. With a diverse background spanning wealth management, entrepreneurship, and politics, Kim brings a client-first approach to every interaction.
Before joining Morgan Stanley, Kim spent five years at Merrill Lynch, where she supported financial advisors and gained invaluable insights into wealth management. Her career began in politics, where she worked on Capitol Hill for Senator Don Nickles and contributed to several presidential campaigns. Later, she honed her business acumen through a range of roles, including leading a team of women in direct sales and running a small business. Each of these experiences sharpened her ability to build lasting relationship and provide personalized strategies — skills that directly translate to her current role.
Today, Kim helps maintain The Celestial Group’s operational standard of excellence, working closely with the team’s financial advisors and clients alike. She is proud to be the first point of contact for a wide range of client needs, striving to ensure that each client receives prompt, personalized attention and strategies tailored to help meet their financial goals. Her dedication to supporting the team and clients helps ensure a seamless experience, from account administration to managing day-to-day financial inquiries. With a deep understanding of the wealth management process and a passion for service, Kim is committed to delivering an exceptional client experience that reflects the values of The Celestial Group.
Outside of the office, Kim enjoys spending time with her family and giving back to her community — values she holds dear in both her professional and personal life.
About Anna Kohlem
Anna Kohlem is Wealth Management Associate, Financial Planning Associate, and Complex CSA Coach at Morgan Stanley. With more than 25 years of industry experience, Anna is often the first line of contact for clients on a wide array of services and responsibilities. She focuses on account administration, personal client servicing, trade execution, and assisting the team with their portfolio management services.
Anna joined Morgan Stanley in October 2015 as a Senior Registered Associate and has since obtained the Wealth Management Associate and Financial Planning Associate titles. She is also currently the Complex Client Service Associate Coach. Anna is Series 7 and 63 licensed.
Outside of the office, Anna resides in New Richmond with her husband Bryant. After surviving a ruptured brain aneurysm in September 2014, she strives to live each day to the fullest and does not let what happened hold her back from doing the things she loves. Most importantly, Anna spends as much time as possible with her family, especially with her granddaughter Raelyn. She also spends her free time reading, walking, and enjoying a football game or two.
Anna joined Morgan Stanley in October 2015 as a Senior Registered Associate and has since obtained the Wealth Management Associate and Financial Planning Associate titles. She is also currently the Complex Client Service Associate Coach. Anna is Series 7 and 63 licensed.
Outside of the office, Anna resides in New Richmond with her husband Bryant. After surviving a ruptured brain aneurysm in September 2014, she strives to live each day to the fullest and does not let what happened hold her back from doing the things she loves. Most importantly, Anna spends as much time as possible with her family, especially with her granddaughter Raelyn. She also spends her free time reading, walking, and enjoying a football game or two.
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
Kimberly Emerson
Private Banker
About Kimberly Emerson
Kimberly Emerson is a Private Banker serving Morgan Stanley Wealth Management offices in Ohio.
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.
Kimberly began her career in financial services in 2001, and joined Morgan Stanley in 2015. Prior to joining the firm, she was a Private Banking Relationship Manager at FC Bank. Kimberly has also been a Wealth Management Banker at Merrill Lynch, as well as a Private Banking Relationship Manager at Fifth Third and KeyBank.
Kimberly is a graduate of Ohio Dominican University where she received a Bachelor of Arts in Business Administration. She and her family reside in Blacklick, Ohio. Outside of the office, Kimberly enjoys sporting events, concerts, and spending time with her 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.
Kimberly began her career in financial services in 2001, and joined Morgan Stanley in 2015. Prior to joining the firm, she was a Private Banking Relationship Manager at FC Bank. Kimberly has also been a Wealth Management Banker at Merrill Lynch, as well as a Private Banking Relationship Manager at Fifth Third and KeyBank.
Kimberly is a graduate of Ohio Dominican University where she received a Bachelor of Arts in Business Administration. She and her family reside in Blacklick, Ohio. Outside of the office, Kimberly enjoys sporting events, concerts, and spending time with her family.
NMLS#: 767178
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
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact John Gould today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Alternative 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.
2Morgan 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“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.
5Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
8When 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.
9Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
10Morgan Stanley 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.
11Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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
1Alternative 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.
2Morgan 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“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.
5Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
8When 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.
9Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
10Morgan Stanley 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.
11Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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)
