Kristen Ullman
Assistant Vice President, Group Director
Phone:
(614) 269-3403(614) 269-3403
Jonathan H Young, CFP®
Senior Vice President,
Financial Advisor,
Portfolio Management Director,
Family Wealth Director,
Workplace Advisor – Equity Compensation
Direct:
(614) 473-2477(614) 473-2477
Toll-Free:
(866) 273-3726(866) 273-3726
My Mission Statement
We know our why... it's you. Now let us help you take care of yours.
OUR STORY AND SERVICES
I am a Financial Advisor with The Fortis Wealth Management Group at Morgan Stanley. I am able to tailor financial plans for specific needs by getting to know each client's situation and helping them navigate all aspects of their financial lives.
The Fortis Wealth Management Group at Morgan Stanley believes that your financial life is more than just your investment portfolio. Whether you’re planning for retirement or seeking to secure your family’s legacy, our approach emphasizes the importance of the success of your goals and the effect they have on your well-being and the well-being of your loved ones.
We begin each relationship by taking our clients through the financial planning process. Doing this, you will feel more comfortable knowing we’ve completely understood all of your goals before ever suggesting a product. After we’ve fully understood your objectives, we are able to suggest investment solutions we have vetted through extensive analysis and deem appropriate to help you achieve your goals.
Our name – Fortis – comes from the Latin word meaning strong, steadfast and resolute. We chose this name as it represents our promise to our clients. Our team consists of dedicated professionals who are committed to helping ensure our clients receive a high level of care.
We pride ourselves on our client service model which is centered on accessibility. In January 2023, the Fortis Group was recognized as #9 Best-In-State Wealth Management Teams in Ohio by Forbes. Our promise to our clients is to be reliably within reach during normal business hours and beyond. Our growing team of advisors has offices in four Ohio locations - Easton and Dublin, as well as Kenwood and Downtown Cincinnati - allowing for tremendous depth of responsiveness and support.
At The Fortis Wealth Management Group, we know our “why”… it’s you. Now let us help you take care of yours.
Source:
Forbes Best-In-State Wealth Management Teams
Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22 For more info:
https://mgstn.ly/3fQYK3h
The Fortis Wealth Management Group at Morgan Stanley believes that your financial life is more than just your investment portfolio. Whether you’re planning for retirement or seeking to secure your family’s legacy, our approach emphasizes the importance of the success of your goals and the effect they have on your well-being and the well-being of your loved ones.
We begin each relationship by taking our clients through the financial planning process. Doing this, you will feel more comfortable knowing we’ve completely understood all of your goals before ever suggesting a product. After we’ve fully understood your objectives, we are able to suggest investment solutions we have vetted through extensive analysis and deem appropriate to help you achieve your goals.
Our name – Fortis – comes from the Latin word meaning strong, steadfast and resolute. We chose this name as it represents our promise to our clients. Our team consists of dedicated professionals who are committed to helping ensure our clients receive a high level of care.
We pride ourselves on our client service model which is centered on accessibility. In January 2023, the Fortis Group was recognized as #9 Best-In-State Wealth Management Teams in Ohio by Forbes. Our promise to our clients is to be reliably within reach during normal business hours and beyond. Our growing team of advisors has offices in four Ohio locations - Easton and Dublin, as well as Kenwood and Downtown Cincinnati - allowing for tremendous depth of responsiveness and support.
At The Fortis Wealth Management Group, we know our “why”… it’s you. Now let us help you take care of yours.
Source:
Forbes Best-In-State Wealth Management Teams
Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22 For more info:
https://mgstn.ly/3fQYK3h
Securities Agent: MI, MN, WI, OK, MS, LA, FL, DC, UT, NM, NC, MT, HI, TX, IL, AZ, WY, WV, TN, PA, NE, DE, CO, NY, ME, GA, AL, OR, NV, NH, MD, SC, NJ, MA, KS, IN, CT, AR, WA, VA, OH, MO, KY, IA, CA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
CA Insurance License #: 4009677
CA Insurance License #: 4009677
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
DIGITAL TOOLS
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
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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.
Portfolio Risk Platform
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.
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Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
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Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our cutting edge tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Donor Advised Funds (DAF)
A solution that may help you execute planned giving, offer an efficient way to donate complex and illiquid assets, and simplify charitable giving reporting while potentially mitigating taxes. Bring philanthropy into your wealth plan and help amplify the impact of your giving through the Morgan Stanley Global Impact Funding Trust (MS GIFT).
MS GIFTFINANCIAL RESOURCES
What to Do If You Are Off Track on Your Goals
Don’t worry if your financial goals look out of reach now based on what you’ve saved. There are ways to adjust course that are easier than you may think.
Click to Read More
Next Generation Gifting Considerations
As you consider gifting, ask yourself how you would like children or other family members to use financial gifts.
Click to Read More
You’ve Been Named as Your Parent’s Executor. Now What?
If you’ve been named as your parent’s executor, you’ll find it’s a role with both emotional and administrative tasks. Here are some key guidelines.
Click to Read More
Protecting Your Income from the Unexpected
Your ability to earn an income may be one of your most valuable assets, but an accident or unforeseen illness can put that asset at risk. Here’s how to help protect it.
Click to Read More
Helping a Loved One Buy a Home
High home prices and mortgage rates are putting the dream of homeownership out of reach for many would-be buyers. Learn how you can help a loved one break into a tough market.
Click to Read More
Planning Today to Help You Thrive Tomorrow
Having a financial plan can help you on your way to achieving your goals. But what happens when you take your planning process a step further?
Click to Read MoreIN THE PRESS
Forbes Best-In State Wealth Management Teams #9
The Fortis Wealth Management Group has been named #9 Best-In-State Wealth Management Teams in Ohio by Forbes.
[Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22 For more info, click here.]
Click to Read More[Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22 For more info, click here.]
NAPA's 2022 Top DC Advisor Teams
The Fortis Wealth Management Group has been named to the National Association of Plan Advisors’ list of the nation’s top defined contribution (DC) Advisor Teams with Assets under Advisement over $100 Million.
[Source: NAPA’s Top DC Advisor Teams (NAPA), napa-net.org March 2023. Data compiled by NAPA based on self-reported assets under advisement as of Dec 31, 2022. For more info, click here.]
Click to Read More[Source: NAPA’s Top DC Advisor Teams (NAPA), napa-net.org March 2023. Data compiled by NAPA based on self-reported assets under advisement as of Dec 31, 2022. For more info, click here.]
Barron's 2023 Top 1,200 Financial Advisors
Michael Beers, Managing Director and Financial Advisor at the Fortis Wealth Management Group, was honored as 2023 Barron's Top 1,200 Financial Advisors in Columbus, Ohio.
[Source: Barron's Top 1,200 Financial Advisors: State-by-StateSource: Barron's.com (Awarded Mar 2023) Data compiled by Barron's based on time period from Sept 2021 - Sept 2022. For more info, click here]
Click to Read More[Source: Barron's Top 1,200 Financial Advisors: State-by-StateSource: Barron's.com (Awarded Mar 2023) Data compiled by Barron's based on time period from Sept 2021 - Sept 2022. For more info, click here]
TAILORED PLANNING TO MEET YOUR NEEDS
The Fortis Wealth Management Group's financial planning process begins with you, your investment objectives and your financial goals. Our approach is holistic and encompasses all the elements of your financial life; from your investments and cash management needs, to ensuring that your intentions align with your goals and wealth management strategy. Whether your financial goal may be to grow your wealth, preserve it, or pass it on to others, you can count on our team to work with you to create a tailored strategy to get you there.
Some of the areas where we apply our advanced knowledge on your behalf include:
Some of the areas where we apply our advanced knowledge on your behalf include:
5 Mistakes to Avoid in Retirement
How you plan your finances in retirement may be just as important as the process of saving for retirement. Here are some key considerations.
Learn More
You’re Ready for Retirement. Is Your Portfolio?
Market volatility and longevity may be two of the biggest risks to your retirement. Learn how annuities can potentially help bolster your retirement income strategy.
Learn More
You Work Hard, Make Your 401(k) Plan Work Harder
It’s important to determine how much money you may need to save for a comfortable retirement. Here are three 401(k) plan retirement strategies to consider.
Learn More
Hitting the Mark with Target Date Portfolios
For investors who don’t want to reassess and tweak their portfolios every year, target date portfolios may be an effective way to invest for retirement.
Learn More
You’re Ready for Retirement. Is Your Portfolio?
Market volatility and longevity may be two of the biggest risks to your retirement. Learn how annuities can potentially help bolster your retirement income strategy.
Learn More
4 Financially Smart Ways to Take Money Out of Retirement Accounts
Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.
Learn MoreLocation
4449 Easton Way
Suite 300
Columbus, OH 43219
US
Direct:
(614) 473-2477(614) 473-2477
Toll-Free:
(866) 273-3726(866) 273-3726
Fax:
(614) 473-2450(614) 473-2450
Meet My Team
Ashley A. Hill
Director of Business Development
Phone:
(614) 473-2451(614) 473-2451
Angela Blawut
Portfolio Associate
Phone:
(614) 473-2449(614) 473-2449
Laura LaMarca
Business Development Associate
Phone:
(614) 229-4926(614) 229-4926
Tiffany Watt
Client Service Associate
Phone:
(614) 269-3411(614) 269-3411
About Kristen Ullman
As Assistant Vice President and Group Director, Kristen oversees the team’s client service department. She assists in the development and implementation of complex wealth management strategies and also administers corporate retirement plans. Kristen helps manage client appreciation events and works to ensure her team is actively involved in various volunteer efforts and charitable causes. Applying her exceptional organizational skills and meticulous attention to detail, she quickly, efficiently, and accurately addresses clients’ needs.
Kristen has been a member of the team since it started and has worked at Morgan Stanley since 2001. She is a branch ambassador and is tasked with assisting others in the branch on firm initiatives. Her industry licenses include Series 7, 63, and 66, and she also holds her Ohio Life, Accident, and Health Insurance licenses.
Kristen and her husband live with their two sons in Hebron, Ohio. Outside the office, she enjoys spending time outdoors and volunteering at her children's schools and sports organizations.
Kristen has been a member of the team since it started and has worked at Morgan Stanley since 2001. She is a branch ambassador and is tasked with assisting others in the branch on firm initiatives. Her industry licenses include Series 7, 63, and 66, and she also holds her Ohio Life, Accident, and Health Insurance licenses.
Kristen and her husband live with their two sons in Hebron, Ohio. Outside the office, she enjoys spending time outdoors and volunteering at her children's schools and sports organizations.
About Ashley A. Hill
Ashley Hill graduated from Ohio University with her degree in Communications and has been working in the finance industry since 2006. Prior to joining Morgan Stanley in 2019, Ashley built a career consulting with advisors on long term care and generational wealth planning as well as executive benefits. She also served as a Wealth Advisor developing financial plans and planning processes for advisors in Central and Southern Ohio. After a long career as a consultant to advisors and helping them grow a business with comprehensive financial planning strategies she took a break to care for her grandmother. During that time away from her career, she knew that she wanted to return in a capacity that would directly impact the lives of clients and find a team to join that valued financial planning as a key part of their practice. Ashley joined the Fortis Wealth Management Group in 2022.
Currently, Ashley oversees the financial planning standard of care for clients and serves as a lead financial planner on the team to ensure we are providing clients with all the strategies available to them through our Financial Advisors here at FWMG as well as throughout Morgan Stanley. She is a dog mom to a feisty five-pound Mi Ki named Rocco, and proudly know as Aunt Ashley to seven nieces and nephews and counting!
Currently, Ashley oversees the financial planning standard of care for clients and serves as a lead financial planner on the team to ensure we are providing clients with all the strategies available to them through our Financial Advisors here at FWMG as well as throughout Morgan Stanley. She is a dog mom to a feisty five-pound Mi Ki named Rocco, and proudly know as Aunt Ashley to seven nieces and nephews and counting!
About Angela Blawut
Angela helps clients handle their day-to-day administrative needs.
Prior to joining The Fortis Group at Morgan Stanley in 2018, Angela was a client service professional in various capacities at Morgan Stanley. Her career with the firm began in 2015. Previously, Angela was a teller at WesBanco Bank. She has a B.A. degree in psychology from West Virginia University.
Angela does volunteer work through Morgan Stanley and also leads her branch’s Family Employee Networking Group, most recently supporting Big Brothers Big Sisters. Outside the office, Angela enjoys spending time outdoors walking and hiking, playing the piano, drinking wine and spending time with her dog.
Prior to joining The Fortis Group at Morgan Stanley in 2018, Angela was a client service professional in various capacities at Morgan Stanley. Her career with the firm began in 2015. Previously, Angela was a teller at WesBanco Bank. She has a B.A. degree in psychology from West Virginia University.
Angela does volunteer work through Morgan Stanley and also leads her branch’s Family Employee Networking Group, most recently supporting Big Brothers Big Sisters. Outside the office, Angela enjoys spending time outdoors walking and hiking, playing the piano, drinking wine and spending time with her dog.
About Laura LaMarca
As a Business Development Associate, Laura is dedicated to providing exceptional client service working alongside Financial Advisor, Tony M. Penzone, as part of The Fortis Wealth Management Group at Morgan Stanley.
With more than 10 years of experience in the financial services industry, she has acquired a breadth of knowledge where she offers support for diverse client needs, taking great satisfaction in resolving issues, answering questions, and helping advance each client’s unique goals.
Laura bases her work in customization and anticipatory service in operations, communications, administration, financial analysis, investment trades, and event planning. She enjoys building long-term relationships with her clients and their family members.
Laura currently holds her Series 7 and Series 66 securities licenses. She is an honors graduate of The Ohio State University with a BSBA degree in finance from the school’s Fisher College of Business.
Laura resides in Chagrin Falls, Ohio (a suburb of Cleveland) with her husband, Nick, and son, Luca. Outside the office, she enjoys spending time with her family, cooking, nutrition and wellness, yoga/Pilates, traveling, art, decorating, and music.
With more than 10 years of experience in the financial services industry, she has acquired a breadth of knowledge where she offers support for diverse client needs, taking great satisfaction in resolving issues, answering questions, and helping advance each client’s unique goals.
Laura bases her work in customization and anticipatory service in operations, communications, administration, financial analysis, investment trades, and event planning. She enjoys building long-term relationships with her clients and their family members.
Laura currently holds her Series 7 and Series 66 securities licenses. She is an honors graduate of The Ohio State University with a BSBA degree in finance from the school’s Fisher College of Business.
Laura resides in Chagrin Falls, Ohio (a suburb of Cleveland) with her husband, Nick, and son, Luca. Outside the office, she enjoys spending time with her family, cooking, nutrition and wellness, yoga/Pilates, traveling, art, decorating, and music.
About Tiffany Watt
Tiffany Watt is a proud graduate of Ohio Dominican University, with a Bachelors of Science in Elementary Education. She worked in education for 15 years, before transitioning to the Fortis Team in 2021. Finance always intrigued Tiffany, and when she got the opportunity to join the Team, she immediately took it. Watt’s primary responsibilities involve administrative and operational tasks, as well as assisting with retirement plans. Her consistent work ethic is proof of her commitment to providing outstanding support to the team and exceptional service for our clients. A mother of three, Tiffany resides in Centerburg with her husband and children. She enjoys traveling, spending time with family and friends, swimming and reading.
Wealth Management
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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 Jonathan H Young 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.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Morgan 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When 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.
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.
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
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Morgan 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When 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.
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.
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)
