Jolie Ann Calella, CFP®, QPFC
Senior Vice President-, Financial Advisor, Senior Portfolio Management Director
Phone:
(212) 603-6132(212) 603-6132
Jolie Ann Calella, CFP®, QPFC
Senior Vice President, Wealth Management,
Financial Advisor,
Senior Portfolio Management Director
Direct:
(212) 603-6132(212) 603-6132
My Mission Statement
Helping clients strategically manage their investments and confidently plan for their future.
WELCOME
Jolie has been in the business since 2004 after a successful 8-year career as a New York City attorney. This background has rooted the team’s focus to supporting attorneys and other professionals strategically manage their investments from saving for a child’s education to leaving a legacy for many generations to come. Whether analyzing investment opportunities, considering life insurance, choosing appropriate lending solutions, seeking the ideal retirement plan for a business or reviewing trusts for intelligent estate planning purposes, The Calella Group guides you and gives you all the data necessary to help make the right decision.
From the discovery phase, we work to understand your personal and financial priorities and identify the crux of your financial concerns. We discuss market conditions and life events that we can control, identify the ones we cannot, and help you understand and plan for both. Circumstances and needs will change. Once a plan is drafted, it is fine-tuned at least annually to help ensure that you remain on course. We are dedicated to a comprehensive approach to wealth management that goes beyond investment advice.
Our ultimate goal is to help our clients achieve their desired financial future, and grant them time and energy to focus on the joys of family, the pursuit of a fulfilling career, and indulgence in their passions and hobbies.
Our team harnesses the vast resources of Morgan Stanley, all within the intimate framework of an exclusive boutique team. When you choose to work with the Calella Group, you'll experience a level of dedication that is deeply engaged and committed to giving you the confidence that you’re always doing the right thing financially. Your future is our focus, and your success is our mission.
From the discovery phase, we work to understand your personal and financial priorities and identify the crux of your financial concerns. We discuss market conditions and life events that we can control, identify the ones we cannot, and help you understand and plan for both. Circumstances and needs will change. Once a plan is drafted, it is fine-tuned at least annually to help ensure that you remain on course. We are dedicated to a comprehensive approach to wealth management that goes beyond investment advice.
Our ultimate goal is to help our clients achieve their desired financial future, and grant them time and energy to focus on the joys of family, the pursuit of a fulfilling career, and indulgence in their passions and hobbies.
Our team harnesses the vast resources of Morgan Stanley, all within the intimate framework of an exclusive boutique team. When you choose to work with the Calella Group, you'll experience a level of dedication that is deeply engaged and committed to giving you the confidence that you’re always doing the right thing financially. Your future is our focus, and your success is our mission.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Planning for Individuals with Special Needs and their Families
- Business Succession PlanningFootnote5
- Executive Financial ServicesFootnote6
- Corporate Retirement PlansFootnote7
- Cash ManagementFootnote8
- Sustainable InvestingFootnote9
- Alternative InvestmentsFootnote10
Securities Agent: ME, MD, CT, PA, VA, TX, ID, FL, DC, AL, CA, HI, AZ, SC, MA, NV, NY, MI, CO, NJ, WA, UT, OH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279077
CA Insurance License #: 4122163
NMLS#: 1279077
CA Insurance License #: 4122163
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
OUR CLIENTS
At the Calella Group, our priority is to work with like-minded individuals who desire in depth financial planning complemented by customized portfolio management and a full suite of Morgan Stanley's family office resources. By leveraging the power of our team and a global firm to deliver these resources, we give our clients as much time as possible to focus on their lives and loved ones.
We work with a broad range of clientele. However, many of our clients find themselves and their families across more than one of the below categories.
Disclaimer:
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
We work with a broad range of clientele. However, many of our clients find themselves and their families across more than one of the below categories.
Disclaimer:
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Women
We're focused on helping empower women to think big, achieve financial success, navigate unique financial situations, and create an impact in their respective fields. Through a thoughtful planning process, we work with women to provide tailored wealth management strategies that can help allow them to take on unforeseen challenges life may bring with confidence.
Professionals
Whether you are an attorney, doctor, or any other busy professional, we know that you value your time, and we want to help you manage it efficiently. By creating a roadmap to think through your life goals and paths, we’ll help you avoid obstacles and potentially achieve your dreams more quickly. Our goal is to help you enjoy some well-deserved downtime and pursue your passions, rather than worrying about managing finances.
Executives
You've been in your industry for decades and have finally made it to your dream role. Everyone defines success differently, but we have worked with successful executives across a wide-range of industries. Our solutions are centered around providing liquidity, helping you manage your carry or restricted stock, planning for and mitigating the associated tax consequences, and providing you with the confidence to focus on your work and your family.
Business Owners
Whether you require assistance navigating the sale or transfer of your business, the advice or capital required to grow the business, or simply a plan that can potentially preserve your assets with tax strategies and insurance tools, we are here to help. By combining the corporate resources of Morgan Stanley and our team experience, we support you and your business, from creation to sale, as well as your personal life and goals.
YOUR GUIDE TO EFFICIENT PLANNING
Prepare for Tax Day
The countdown to Tax Day has begun. Here are some steps you can take as the deadline approaches.
Learn More Here
Tax-Efficient Investing
Tax-efficient investing techniques may help you lower your tax burden and increase your long-term wealth.
Here Are Some Strategies to Consider
Tax Strategies for Retirement
Taking steps to minimize the impact of taxes on your retirement portfolio can help you enjoy more of your nest egg.
These Ideas May Help
Tax-Smart Giving
Whether you want to donate to charity or invest in a loved-one’s future, there are tax‐aware ways to make your giving go further.
Learn More Here
LifeView Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs.
Portfolio Risk Platform
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Learn More Here
Spending & Budgeting
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool. We make it easy for you and your financial advisor to oversee trends in your financial life.
Spending & Budgeting Tool
Upcoming Firm Events
The Lessons in Leadership Virtual Event Series will continue throughout 2025 . Check back soon for details on upcoming events.
Online
Location
55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 603-6132(212) 603-6132
Fax:
(646) 952-7604(646) 952-7604
Meet My Team
Ron Cestra
Financial Advisor
Phone:
(212) 230-3690(212) 230-3690
Patrick St. Onge
Wealth Management Associate
Phone:
(212) 603-6217(212) 603-6217
Olivia Whitmore
Client Service Associate
Phone:
(212) 230-3679(212) 230-3679
About Jolie Ann Calella
Forbes Magazine has recognized Jolie as one of the Best-In-State Wealth Advisors in 2025. She has been consistently recognized by Forbes as a Top Women Wealth Advisor since 2020. Her dedication to fostering financial literacy traces back to her early years. Born to a widowed mother raising two daughters solo in New York City, Jolie learned the vital importance of education, financial acumen, and self-reliance from a young age.
From her academic journey onward, Jolie's unwavering commitment to personal and professional growth has been her guiding light. During her college years, Jolie secured a coveted position as a network page at Capital Cities/ABC, which paved the way for roles as a production assistant and publicity assistant at ABC and its parent company, Walt Disney Co. Throughout law school, Jolie served as a research assistant for an esteemed income tax professor. From 1995 to 2003, Jolie practiced law in New York City, working at both large and small law firms.
In 2004, Jolie discovered her true passion and embarked on a fulfilling career as a financial advisor, a path she has never strayed from since. Her relentless pursuit of professional excellence led her to actively engage with the Personal Income Tax Committee and the Trusts, Estates, and Surrogate's Courts Committee at the New York City Bar Association from 2004 to 2008. Jolie's commitment to lifelong learning culminated in her achievement of the esteemed Certified Financial Planner ("CFP®") designation in 2012 and the Qualified Plan Financial Consultant ("QPFC") designation in 2022.
Jolie generously shares her wealth of experience with colleagues and clients alike. In 2016, she co-founded the HER Way Steering Committee at Morgan Stanley, a collaborative initiative composed of female financial advisors. In 2022, Jolie received an invitation to join the prestigious Morgan Stanley Women in Wealth, LIFT Committee for the northeast region. Both committees share a common mission: promoting female financial education and empowerment.
In line with her dedication to assisting those less fortunate, Jolie channels her energies towards helping individuals with low vision and blindness achieve independent and fulfilling lives. She is a dedicated supporter of the National Federation of the Blind. Jolie also holds the honored position of a Fordham University Board of Advisors member and, in 2017, was recognized with the Fordham University Pioneering Women in Philanthropy Award.
Jolie's influence extends beyond her professional endeavors. She has been a speaker on financial literacy at NYU Leonard N. Stern School of Business and an active participant in the Fordham University Undergraduate Mentoring Program.
Beyond her achievements and professional commitments, Jolie's zest for life shines through her global travel adventures, cycling pursuits, dedicated yoga practice, and cherished moments shared with loved ones.
Disclaimer: 2024-2025 Forbes Top Wealth Advisor Best-in-State
Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in June of year prior to the issuance of the award.
2022-2025 Forbes Top Women Wealth Advisors Best-In-State (formerly referred to as Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in June of year prior to the issuance of the award.
2020-2022 Forbes America's Top Women Wealth Advisors (formerly referred to as Forbes Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2020-2022). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
From her academic journey onward, Jolie's unwavering commitment to personal and professional growth has been her guiding light. During her college years, Jolie secured a coveted position as a network page at Capital Cities/ABC, which paved the way for roles as a production assistant and publicity assistant at ABC and its parent company, Walt Disney Co. Throughout law school, Jolie served as a research assistant for an esteemed income tax professor. From 1995 to 2003, Jolie practiced law in New York City, working at both large and small law firms.
In 2004, Jolie discovered her true passion and embarked on a fulfilling career as a financial advisor, a path she has never strayed from since. Her relentless pursuit of professional excellence led her to actively engage with the Personal Income Tax Committee and the Trusts, Estates, and Surrogate's Courts Committee at the New York City Bar Association from 2004 to 2008. Jolie's commitment to lifelong learning culminated in her achievement of the esteemed Certified Financial Planner ("CFP®") designation in 2012 and the Qualified Plan Financial Consultant ("QPFC") designation in 2022.
Jolie generously shares her wealth of experience with colleagues and clients alike. In 2016, she co-founded the HER Way Steering Committee at Morgan Stanley, a collaborative initiative composed of female financial advisors. In 2022, Jolie received an invitation to join the prestigious Morgan Stanley Women in Wealth, LIFT Committee for the northeast region. Both committees share a common mission: promoting female financial education and empowerment.
In line with her dedication to assisting those less fortunate, Jolie channels her energies towards helping individuals with low vision and blindness achieve independent and fulfilling lives. She is a dedicated supporter of the National Federation of the Blind. Jolie also holds the honored position of a Fordham University Board of Advisors member and, in 2017, was recognized with the Fordham University Pioneering Women in Philanthropy Award.
Jolie's influence extends beyond her professional endeavors. She has been a speaker on financial literacy at NYU Leonard N. Stern School of Business and an active participant in the Fordham University Undergraduate Mentoring Program.
Beyond her achievements and professional commitments, Jolie's zest for life shines through her global travel adventures, cycling pursuits, dedicated yoga practice, and cherished moments shared with loved ones.
Disclaimer: 2024-2025 Forbes Top Wealth Advisor Best-in-State
Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in June of year prior to the issuance of the award.
2022-2025 Forbes Top Women Wealth Advisors Best-In-State (formerly referred to as Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in June of year prior to the issuance of the award.
2020-2022 Forbes America's Top Women Wealth Advisors (formerly referred to as Forbes Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2020-2022). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Securities Agent: ME, MD, CT, PA, VA, TX, ID, FL, DC, AL, CA, HI, AZ, SC, MA, NV, NY, MI, CO, NJ, WA, UT, OH; General Securities Representative; Investment Advisor Representative; Managed Futures
About Ron Cestra
With over 20 years of experience in financial services, Ron has the privilege of working with a diverse range of clients, including young and mature families, individuals with significant earned or inherited wealth, those navigating life transitions, and business owners seeking investment solutions. Ron’s primary focus is on helping clients effectively manage risk and develop tailored wealth strategies.
What sets Ron apart is his holistic approach to wealth management. It goes beyond understanding clients' goals and objectives; He strives to gain a deep understanding of his clients’ lives, families, interests, and passions. This allows Ron to forge deeper and stronger relationships with clients, enabling him to better support them in an effort to achieve their unique life goals.
With Ron as your dedicated Financial Advisor, you can expect personalized guidance, strategic insights, and a comprehensive approach to wealth management. He is committed to empowering you to make informed financial decisions and navigate the complexities of your financial journey with confidence.
Ron works out of Manhattan where he resides with his wife Amy and son Charlie. In his free time, Ron enjoys golf, tennis, pickleball and sailing. Prior to Morgan Stanley, Ron held roles at Alliance Bernstein, Merrill Lynch, and Berenberg Bank.
If you’d like the opportunity to create and maintain wealth strategies that align with your aspirations and aspirations of your loved ones, reach out to Ron at ronald.cestra@morganstanley.com or 212-230-3690.
What sets Ron apart is his holistic approach to wealth management. It goes beyond understanding clients' goals and objectives; He strives to gain a deep understanding of his clients’ lives, families, interests, and passions. This allows Ron to forge deeper and stronger relationships with clients, enabling him to better support them in an effort to achieve their unique life goals.
With Ron as your dedicated Financial Advisor, you can expect personalized guidance, strategic insights, and a comprehensive approach to wealth management. He is committed to empowering you to make informed financial decisions and navigate the complexities of your financial journey with confidence.
Ron works out of Manhattan where he resides with his wife Amy and son Charlie. In his free time, Ron enjoys golf, tennis, pickleball and sailing. Prior to Morgan Stanley, Ron held roles at Alliance Bernstein, Merrill Lynch, and Berenberg Bank.
If you’d like the opportunity to create and maintain wealth strategies that align with your aspirations and aspirations of your loved ones, reach out to Ron at ronald.cestra@morganstanley.com or 212-230-3690.
Securities Agent: UT, WA, VA, TX, SC, PA, OH, NV, NJ, ID, CT, CA, AZ, CO, FL, DC, ME, MD, MA, NY, HI; General Securities Representative; Investment Advisor Representative
About Patrick St. Onge
As a Wealth Management Associate, Patrick St. Onge is responsible for helping clients navigate their financial roadmap with the help of Morgan Stanley’s proprietary tools, portfolio management and investment-related operations.
Patrick has been an instrumental part of the Calella Group since 2015 and currently holds his Series 7 and Series 66 licenses. His favorite part of his role on the team is helping clients understand and build their retirement plans, constructing portfolios and creating tax-efficient investment strategies.
Patrick graduated from Loyola University Maryland with a degree in Finance and a minor in Information Systems. Before his time at Loyola Maryland, he attended Fordham Prep and enjoyed his tenure as a member of the lacrosse team. In his free time, Patrick enjoys sports, reading, playing golf and is an avid movie watcher. He is also a proud uncle of his two nephews, Jack and Garrett, and niece, Scarlett.
Patrick has been an instrumental part of the Calella Group since 2015 and currently holds his Series 7 and Series 66 licenses. His favorite part of his role on the team is helping clients understand and build their retirement plans, constructing portfolios and creating tax-efficient investment strategies.
Patrick graduated from Loyola University Maryland with a degree in Finance and a minor in Information Systems. Before his time at Loyola Maryland, he attended Fordham Prep and enjoyed his tenure as a member of the lacrosse team. In his free time, Patrick enjoys sports, reading, playing golf and is an avid movie watcher. He is also a proud uncle of his two nephews, Jack and Garrett, and niece, Scarlett.
About Olivia Whitmore
Olivia joined The Calella Group in the fall of 2024 as a Client Service Associate and is dedicated to helping our clients with the day-to-day administration of their accounts. She is driven by a passion to provide exceptional service.
Olivia graduated from Indiana University with BA in Business Management and Human Organization and a business minor from Kelley School of Business. Olivia grew up on Long Island, with her free time spent on field hockey and friends. Today, she is based in Manhattan and travels whenever she can, including home to sail the Long Island Sound and spend time with family.
Olivia graduated from Indiana University with BA in Business Management and Human Organization and a business minor from Kelley School of Business. Olivia grew up on Long Island, with her free time spent on field hockey and friends. Today, she is based in Manhattan and travels whenever she can, including home to sail the Long Island Sound and spend time with family.
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
Megan Auslaender
Private Banker
About Megan Auslaender
Megan Auslaender is a Private Banker serving Morgan Stanley Wealth Management offices in New York City.
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.
Megan began her career in financial services in 2007 and joined Morgan Stanley in 2010 as a Wealth Management Associate. Prior to being promoted to her current position, she served as an Associate Private Banker in New York and Massachusetts. Before she joined the firm, she was a Registered Sales Assistant for Johnston, Lemon & Company Inc. in
Washington, DC.
Megan is a graduate of the Pennsylvania State University where she received a Bachelor of Science in Economics. She lives in Manhattan with her husband and two daughters. Outside of the office, she enjoys spending time with her family, exploring the city, and traveling.
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.
Megan began her career in financial services in 2007 and joined Morgan Stanley in 2010 as a Wealth Management Associate. Prior to being promoted to her current position, she served as an Associate Private Banker in New York and Massachusetts. Before she joined the firm, she was a Registered Sales Assistant for Johnston, Lemon & Company Inc. in
Washington, DC.
Megan is a graduate of the Pennsylvania State University where she received a Bachelor of Science in Economics. She lives in Manhattan with her husband and two daughters. Outside of the office, she enjoys spending time with her family, exploring the city, and traveling.
NMLS#: 1418876
Wealth Management
From My Desk
Michael Wilson: Monthly Investment Perspectives Webcast
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
The Robots are Coming
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Jolie Ann Calella today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan 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.
6Morgan 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.
7When 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.
8Morgan 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
9The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
10Alternative 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.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan 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.
6Morgan 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.
7When 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.
8Morgan 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
9The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
10Alternative 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.
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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.
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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
CRC 6491812 (04/2024)
