Daveta Winski
Portfolio Associate, Daveta.Winski@morganstanley.com
Phone:
(631) 851-5318(631) 851-5318
John Kitevski
Executive Director, Wealth Management,
Financial Advisor,
Financial Planning Specialist
Direct:
(631) 851-5313(631) 851-5313
Toll-Free:
(800) 965-5684(800) 965-5684
My Mission Statement
Our process is designed to integrate your investment objectives with other pressing financial concerns and desired aspirations by looking at the totality of your life.
Welcome
With over 35 years in the industry, I offer you a seasoned professional who is competent to assist you in making potentially life changing financial decisions.
After graduation from Manhattan College with a Bachelor of Engineering in Mechanical Engineering, I chose to combine my strength with math and numbers with my desire to help people, making a career in financial advising the perfect career to pursue.
I love what I do because of my ability to help provide confidence and understanding on a sensitive topic.
Outside of the office you can find me on the golf course, in my nook, where I love to read and learn about the history of the world, or out to dinner with my wife, Jennifer, who I've been happily married to for 29 years.
After graduation from Manhattan College with a Bachelor of Engineering in Mechanical Engineering, I chose to combine my strength with math and numbers with my desire to help people, making a career in financial advising the perfect career to pursue.
I love what I do because of my ability to help provide confidence and understanding on a sensitive topic.
Outside of the office you can find me on the golf course, in my nook, where I love to read and learn about the history of the world, or out to dinner with my wife, Jennifer, who I've been happily married to for 29 years.
Securities Agent: MI, MA, SD, KY, NY, NV, IN, DC, VT, VA, IL, OH, WI, TN, SC, PR, NH, MN, MD, FL, DE, CA, NE, ND, ME, NM, GA, CT, AZ, AR, AL, AK, OR, NJ, NC, UT, RI, PA, ID, CO, WA, TX, MS; General Securities Representative; Investment Advisor Representative
NMLS#: 1326712
NMLS#: 1326712
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My wealth management process starts with you; your priorities, investment objectives, and long-term financial goals. Taking a holistic view of your financial life, I bring the key elements together into a coordinated strategy aligned with your overall wealth plan.
As your goals and circumstances change over time, my process is designed to adapt so your plan stays aligned with what matters most to you. Through these four steps, I can help provide you with peace of mind for you and your family for generations to come.
Step 1: Discovery Meeting
The most important step of all, our discovery meeting will allow me to learn about you in a safe space. Understanding your unique situation and goals is key in delivering the most personalized advice and strategies to make the most of the wealth you have worked so hard to build.
Step 3: Bringing the Plan to Life
With our financial plan confirmed, a critical step comes into play- sticking to the plan. Sticking to the plan will allow us to see tangible progress toward bringing your goals to life and improving your financial well-being. There is nothing I enjoy more than watching clients enjoy the fruits of their labor through consistency and perseverance.
Step 2: Creating a Financial Plan
Once I understand your goals, priorities, and the future you want to build, my team and I develop a personalized financial plan designed to support your needs today and over time. We'll review the plan together, refine it based on your feedback, and align it with realistic, achievable milestones so it can evolve as your life and objectives change.
Step 4: Regularly Updating the Plan
The fact of life is that things change. With the constant changes going on in your life, adjusting the plan to mirror change is a major priority. We will meet regularly to discuss the progress we've made towards reaching your goals, and in the event of a major event, we will meet as soon as possible. Through these four steps, I can help provide you with peace of mind for you and your family for generations to come.
With speakers across the firm, myself and the firm are committed to keeping you informed and educated on your financial journey.
Upcoming Virtual Events
October 26, 2026 - 12:15PM ET - AI and Cybersecurity: Staying Secure in an Evolving Digital Landscape
Rogue models, deepfakes, autonomous hacks—as technology evolves, so do the tactics cybercriminals use to target victims. Fortunately, technical advancements are also enabling cybersecurity professionals to fight back. Join former NSA hackers Rachel Wilson, Morgan Stanley Wealth Management Chief Data Officer, and Prashanth Challa, Head of Wealth Management Cybersecurity, for insights into a rapidly changing landscape.
Rachel and Prashanth will:
- Demystify headlines, breaking down key concepts and trends
- Provide simple, effective habits to reduce risk
- Explain how Morgan Stanley helps safeguard personal information and assets
October 27, 2026 - 1:00PM ET - Beyond the Firewall: Cybersecurity Priorities for Institutional Investors
Cyber threats are evolving quickly, especially given the rise of AI and digital assets. Join Morgan Stanley Managing Director and Head of Wealth Management Application Security, Anthony Maiorano, for a live webinar that will offer an inside look at:
- What we're seeing across today's cybersecurity landscape
- Some common threats facing companies and organizations
- Practical steps you can take to help reduce your organization's risks
November 2, 2026 - 4:00PM ET - Wealth Education for the Next Generation - Philanthropy for the Next Generation
Join us Monday, November 2, 2026, for Philanthropy for the Next Generation. The session will be hosted by Caroline Gundeck, Head of Client and Field Engagement, and Charline Burgess, Senior Wealth Education Specialist, Family Office Resources, with featured insights from Craig Styles, Senior Philanthropic Advisor.
This session will help families engage rising leaders in defining values, setting priorities and building a durable philanthropic legacy. We will share practical frameworks and guided conversation starters to support thoughtful decision-making, governance, and family alignment. Whether establishing a new giving strategy or evolving an existing one, attendees will leave with clear, actionable steps to turn their philanthropic vision into meaningful impact.
November 5, 2026 - 4:15PM ET - Election Outcomes and Market Implications: What Investors Should Watch Next
Following the midterm elections, investors will be assessing how the results could shape the policy landscape and market environment. Join Morgan Stanley thought leaders for a timely discussion on the factors that shaped the election outcome, the emerging balance of power in Congress and the potential implications for markets, the economy and key sectors.
The conversation will explore:
- Where the election results could create policy risks and opportunities for sectors including technology, real estate and energy
- How the evolving political landscape may intersect with broader macroeconomic drivers, including inflation, interest rates and corporate earnings
- What investors should watch as the policy agenda takes shape— and why maintaining a long-term investment perspective remains important amid changing political dynamics
Past Virtual Events
September 2026 | Digital Assets: Navigating a New Investment Frontier
Digital assets are moving beyond a niche asset class to become an increasingly important part of the broader financial ecosystem. As cryptocurrencies, stablecoins, tokenization and blockchain infrastructure mature, investors are evaluating where these technologies may create opportunities—and where they introduce new risks—across public and private markets. Speakers will highlight:
- The expanding digital asset landscape, from cryptocurrencies and stablecoins to tokenization, blockchain infrastructure and emerging applications
- Where digital asset exposure may appear across markets, including crypto-linked companies, exchange-traded products, payments infrastructure, private markets and technology platforms
- The role AI may play in supporting digital asset infrastructure, analytics, cybersecurity and data center demand
- Key investor considerations, including 24/7 trading, custody, liquidity, volatility, cybersecurity and the regulatory landscape
2026 Wealth Education Series Playlist
Featuring Each Episode Below:
January: Money Mindset Reset: The Power of Financial Planning
February: Cryptocurrency and Digital Assets 101
March: Understanding Risk and Volatility
April: Building a Meaningful Career: Elevating your Elevator Pitch
May: Mental Health, Money and The Next Generation: Financial Wellness
June: Tying the Financial Knot: Navigating Joint Finances & Communication
July: Intro to Investing: Stocks, Bonds and Beyond
August: Planning for Retirement
June 2026 | Protecting Your Assets in the Digital Age
Watch the replay of our Protecting Your Assets in the Digital Age webinar, featuring Rachel Wilson, Chief Data Officer of Morgan Stanley Wealth Management.
Topics include cybersecurity trends, how Morgan Stanley protects our clients, and how you can protect yourself by taking advantage of complimentary Identity and Credit Protection from Experian® offered through a Morgan Stanley CashPlus Brokerage Account.
June 2026 | Mid-Year Economic and Investment Outlook
Watch Morgan Stanley thought leaders and strategists as they look beyond day-to-day headlines to discuss key economic, market and policy drivers shaping the back half of 2026.
This roundtable spotlights the current rate environment, labor-market conditions, the evolving geopolitical landscape, and portfolio considerations for diversification and risk management.
March 2026 | Geopolitical Perspectives
In case you missed it, we invite you to watch the replay from our timely geopolitical update with Chief Investment Officer Lisa Shalett, Head of U.S. Policy Monica Guerra, and International Wealth Management Chief Investment Strategist Renato Grandmont as they discussed:
- Key developments and the significance of the conflict's potential duration
- Possible paths for energy prices, inflation expectations, rates, and volatility
- Portfolio considerations, including risk management across global markets
January 2026 | New Year, New Bill: What it Means for You
As you prepare for tax season and review your family's financial plan, this session will help you:
- Understand the One Big Beautiful Bill Act and its implications
- Evaluate your current financial plan amid these changes
- Offer questions to ask yourself or your advisor as you review your portfolio
- Recognize the core components of a well-constructed financial plan
December 2025 | Year-End Economic and Investment Outlook
This year has seen an unsteady labor market, persistent inflation, geopolitical tensions, and rising tariffs. While the rate of economic growth has slowed, expansion continues as consumers remain resilient and corporations deliver stronger-than-expected earnings. Join Morgan Stanley Wealth Management's Chief Investment Officer Lisa Shalett and Morgan Stanley's Global Head of Research Katy Huberty for a year-end conversation as they discuss:
- The state of the U.S. economy and the American consumer
- Economic signals to watch for as we head into 2026
- Potential tailwinds or headwinds for various asset classes, regions and industries
Enhance Your Experience
Digital technology is essential in allowing advisors to offer customized and comprehensive analysis. Digital tools help to provide an in-depth view of a clients financial life to result in better service as well as better overall advice.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Click Here to Log In and Learn More
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
eDelivery
eDelivery allows you to view statements and other firm documents such as trade confirmations, prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports electronically. Clients registered in Morgan Stanley Online may enroll in eDelivery.
eDelivery
Total Wealth View
By linking assets and information from your accounts at other financial institutions directly to Morgan Stanley Online, your advisor has the ability to advise you with your entire financial picture in mind.
Total Wealth View
Morgan Stanley Mobile App
A mobile application for Morgan Stanley clients that offers immediate, real-time access to your accounts.
Discover the Mobile App
eSign
eSign with Morgan Stanley Online (MSO) is a digital solution that allows you to securely access, review and sign documents electronically.
Learn About eSign
Tax Tables 2026
This document summarizes the 2026 tax rates, standard deductions, and exemptions for each filing status. It also covers key tax dates, the net investment income tax, the alternative minimum tax (AMT), and other applicable credits and exclusions.
Access the 2026 Tax Tables
529 Education Savings Plans
529 plans offer a flexible, tax-advantaged way to invest for education expenses while helping to improve estate planning. Gain fiduciary oversight of your education funding strategy within the context of your broader portfolio through the exclusive Morgan Stanley National Advisory 529 Plan.
529 Plan Options at Morgan Stanley
Insured Solutions
As a leader in the distribution of insurance and annuities, our offerings include disability, long-term care and property & casualty insurance, as well as fixed, indexed and variable annuities. Morgan Stanley offers these products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley Insured Solutions
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income. From simplified vehicles available more broadly to institutional strategies, the platform supports a goals-based approach for asset allocation tailored to investor needs.
Morgan Stanley Alternative Investments
Tax Management
Read more from Morgan Stanley's Tax Management site to consider tax strategies.
Learn More
Cash Management and Lending Solutions
At Morgan Stanley, we offer unique cash management and lending solutions to complement your investments and help simplify your finances.
Explore the Full Suite of Offerings
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio's exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Learn MoreResources
Complicated financial situations can be made easier to understand through Morgan Stanley's in-depth analysis. The links below provide an in-depth analysis on interesting topics that are affecting the worlds of business and finance now, and in the future
On the Markets
Detailed Market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read the Report
The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Latest GIC
A Simple Retirement Checkup
When market volatility arises, checking in on your retirement plan makes a lot of sense.
Learn More
Thoughts on the Market Podcast
Concise, considered perspectives on the day’s market developments—delivered every weekday from voices across Morgan Stanley.
Listen to the Episodes
How to Handle Volatility
The markets have experienced increased volatility lately. Learn more about why investors should focus on the long game.
Learn MoreLocation
888 Veterans Memorial Hwy
Suite 300
Hauppauge, NY 11788
US
Direct:
(631) 851-5313(631) 851-5313
Toll-Free:
(800) 965-5684(800) 965-5684
Fax:
(631) 327-3489(631) 327-3489
Meet My Team
Sandra Jacklett
Portfolio Associate, Sandra.Jacklett@morganstanley.com
Phone:
(631) 851-5337(631) 851-5337
Janet Keefe
Portfolio Associate, Janet.Keefe@morganstanley.com
Phone:
(631) 851-5326(631) 851-5326
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
Shawn Alvarado
Private Banker
About Shawn Alvarado
Shawn Alvarado is a Private Banker serving Morgan Stanley Wealth Management offices in New York.
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.
Shawn began his career in financial services in 2003 and joined Morgan Stanley in 2020. Prior to joining the firm, he was a Citigold Private Client Relationship Manager at Citibank and a Wealth Management Banker at Merrill Lynch.
Shawn is a graduate of Montclair State University, where he received a Bachelor of Science in Finance. He lives in Salisbury, New York with his family. Outside of the office, Shawn enjoys golfing and coaching his kid’s baseball and football teams.
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.
Shawn began his career in financial services in 2003 and joined Morgan Stanley in 2020. Prior to joining the firm, he was a Citigold Private Client Relationship Manager at Citibank and a Wealth Management Banker at Merrill Lynch.
Shawn is a graduate of Montclair State University, where he received a Bachelor of Science in Finance. He lives in Salisbury, New York with his family. Outside of the office, Shawn enjoys golfing and coaching his kid’s baseball and football teams.
NMLS#: 642179
About Sierra Tonnesen
Sierra Tonnesen 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 the 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. Sierra 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.
Sierra earned her undergraduate degree from Boston College Carroll School of Mangement and received the Financial Planning Specialist® designation from the College for Financial Planning. Sierra is originally from Chester, New Jersey and currently resides in New York City.
Sierra earned her undergraduate degree from Boston College Carroll School of Mangement and received the Financial Planning Specialist® designation from the College for Financial Planning. Sierra is originally from Chester, New Jersey and currently resides in New York City.
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.
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.
Wealth Management
From My Desk
Global Investment Committee Weekly
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
Article Image
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
Article Image
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
Article Image
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
Article Image
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 Kitevski 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.
2Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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
5Morgan 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.
6Morgan 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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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
5Morgan 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.
6Morgan 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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
