Janet Perri
Client Service Associate
Phone:
(212) 643-5775(212) 643-5775
Jonathan Rynsky
Senior Vice President, Wealth Management,
Financial Advisor,
Investment Management Consultant,
Senior Portfolio Management Director,
Insurance Planning Director
Direct:
(212) 643-5726(212) 643-5726
Toll-Free:
(800) 223-4565(800) 223-4565
Industry Award WinnerMy Mission Statement
We are committed to being your trusted advisory team through our professional knowledge, care, and personalized service. We consider your financial life from every angle to provide you with the guidance and tools to help build and preserve your wealth and financial legacy
My Story
I landed my first job in the financial world at the ripe old age of 15. My father was a sugar trader/broker on the commodities exchange, so I spent six summers working on the floor in the pits of the exchange. It was a great experience that gave me insight into how the public markets worked—and sparked my passion for the financial services industry.
As a Financial Advisor, my job is to provide holistic wealth management strategies that help enable you to create wealth, preserve assets and distribute it to loved ones as tax-efficiently as possible. I serve the needs of successful individuals and families who face complex challenges that require sophisticated solutions. So, over the years I’ve earned a wide range of designations with the goal of providing you with a greater number of services and opportunities.
As part of my practice, I teach what I call “Financial Literacy.” I’m committed to ensuring that you have a working knowledge of the financial instruments, investment vehicles, market trends and economic environments that we, as a global economy, find ourselves in from year to year. I’ll also help you to navigate the headline news surrounding financial matters. My goal is to make planning less complicated and more user-friendly.
I formed the Hudson York Group at Morgan Stanley to provide a boutique level of service that’s backed by a global powerhouse. I was named one of Forbes Top Next-Gen Wealth Advisors in 2019*, and The Hudson York Group was named one of Forbes Best-In-State Wealth Management Teams (High Net Worth) in 2026*. Earlier in my career I served as Vice President at JP Morgan Securities (formerly Chase Investment Services Corp) where I advised clients within the Private Wealth Management division. I earned my bachelor’s degree from University of Rhode Island and was fortunate to have spent my junior year studying abroad at the prestigious University of London in Kensington.
I live in Palm Beach, Florida and am the proud uncle of five nephews and one niece. I’m very active in the arts, where I serve as President of the Board of Directors for the Colucci Ruggieri Musical Mime Theatre—a non-profit whose mission is to “promote and accelerate creativity in the educational system in America”. And on weekends you may see me on my 2015 Harley , where I’ve been known to take road trips with the Blue Knights.
Disclaimers:
Forbes Top Next-Gen Wealth Advisors
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded January 2026). This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) for the period 3/31/24 -3/31/25.
Licenses held: Series 7, 63, 65, Life Insurance.
Securities Agent: MD, IL, GA, CT, WY, MO, NY, NC, LA, AZ, WA, ID, DE, DC, ND, MA, FL, CA, VT, NH, KS, WI, VA, TX, IN, HI, CO, SC, PA, UT, NV, NJ, MT; General Securities Representative; Investment Advisor Representative
NMLS#: 530346
As a Financial Advisor, my job is to provide holistic wealth management strategies that help enable you to create wealth, preserve assets and distribute it to loved ones as tax-efficiently as possible. I serve the needs of successful individuals and families who face complex challenges that require sophisticated solutions. So, over the years I’ve earned a wide range of designations with the goal of providing you with a greater number of services and opportunities.
As part of my practice, I teach what I call “Financial Literacy.” I’m committed to ensuring that you have a working knowledge of the financial instruments, investment vehicles, market trends and economic environments that we, as a global economy, find ourselves in from year to year. I’ll also help you to navigate the headline news surrounding financial matters. My goal is to make planning less complicated and more user-friendly.
I formed the Hudson York Group at Morgan Stanley to provide a boutique level of service that’s backed by a global powerhouse. I was named one of Forbes Top Next-Gen Wealth Advisors in 2019*, and The Hudson York Group was named one of Forbes Best-In-State Wealth Management Teams (High Net Worth) in 2026*. Earlier in my career I served as Vice President at JP Morgan Securities (formerly Chase Investment Services Corp) where I advised clients within the Private Wealth Management division. I earned my bachelor’s degree from University of Rhode Island and was fortunate to have spent my junior year studying abroad at the prestigious University of London in Kensington.
I live in Palm Beach, Florida and am the proud uncle of five nephews and one niece. I’m very active in the arts, where I serve as President of the Board of Directors for the Colucci Ruggieri Musical Mime Theatre—a non-profit whose mission is to “promote and accelerate creativity in the educational system in America”. And on weekends you may see me on my 2015 Harley , where I’ve been known to take road trips with the Blue Knights.
Disclaimers:
Forbes Top Next-Gen Wealth Advisors
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded January 2026). This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) for the period 3/31/24 -3/31/25.
Licenses held: Series 7, 63, 65, Life Insurance.
Securities Agent: MD, IL, GA, CT, WY, MO, NY, NC, LA, AZ, WA, ID, DE, DC, ND, MA, FL, CA, VT, NH, KS, WI, VA, TX, IN, HI, CO, SC, PA, UT, NV, NJ, MT; General Securities Representative; Investment Advisor Representative
NMLS#: 530346
Services Include
- 529 PlansFootnote1
- AnnuitiesFootnote2
- Asset Management
- Estate Planning StrategiesFootnote3
- Executive Financial ServicesFootnote4
- Cash Management and Lending ProductsFootnote5
- 401(k) Rollovers
- Alternative InvestmentsFootnote6
- Financial PlanningFootnote7
- Life InsuranceFootnote8
- Long-term Care InsuranceFootnote9
- Retirement PlanningFootnote10
- Sustainable InvestingFootnote11
- Structured ProductsFootnote12
- Trust AccountsFootnote13
Securities Agent: MD, IL, GA, CT, WY, MO, NY, NC, LA, AZ, WA, ID, DE, DC, ND, MA, FL, CA, VT, NH, KS, WI, VA, TX, IN, HI, CO, SC, PA, UT, NV, NJ, MT; General Securities Representative; Investment Advisor Representative
NMLS#: 530346
NMLS#: 530346
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
How do you define success? We have a plan for that.
The Hudson York Group provides holistic wealth management for every stage of your life. And that all starts by crafting a financial plan based on a deep understanding of your immediate needs, specific challenges, and your long-term goals.
Our core team came from the world of private banking, so we understand that keeping our finger on the pulse of today's markets and providing pro-active service can help you feel prepared for whatever comes your way. Our job is to help create a clear path forward by allocating your assets properly, making your portfolio more efficient, mitigating your tax burden, and protecting your wealth today and for future generations.
Disclaimer:
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
- Customized investment planning
- Access to bespoke investing opportunities
- Tax-efficient asset allocation
- Tax-mitigation strategies
- Health and life insurance solutions
- Simplify everyday cash management
- Manage cash flow and budgets
- Income planning and distribution
- Social Security Analysis
- Risk assessment tools
- Industry-leading Cybersecurity
- Risk Assessment Tools
- High-touch communication process
- Jargon-free financial guidance
Manage Your Wealth
Minimize Your Risk
Elevate Your Cash Management
Shape Your Retirement
Protect Your Assets
Earn Your Trust
The experience and resources you’ll need to help grow and protect your business.
We believe that small business is the backbone of America. Whether you own a small business or run your own medical practice or law firm, we can help. Our team is highly experienced in helping you throughout every stage—from infancy and expansion to monetization. We'll also connect you to a world of new opportunities through Morgan Stanley vast resources, including:
- Strategic Lending – In order to grow, it's important it is to invest in your business. We can create a sophisticated lending solution that can take you to the next level.
- Retirement Savings Plans – We know how important retirement plans and tax benefits are for you and your employees. We can help structure a plan that meets your goals and offers the types of benefits that attract recruits and keep your employees happy.
- Tax Mitigation – We offer strategies to minimize your tax burden and provide tax overlay tools that give you a clearer picture of your challenges—and opportunities.
- Buying or selling a business – We can help you avoid common pitfalls that often come with acquisition and expansion. And when the time comes for you to transition your business, our experience and network can be invaluable.
Put a global powerhouse to work for you.
When you work with The Hudson York Group, you'll gain access to a broad range of Morgan Stanley Wealth Management products, services and solutions. As one of the world's strongest and well-capitalized financial institutions, the rare and complementary strengths of our global wealth management, investment and institutional franchise place us in a category of one.
$6.19+ trillion in assets under management at Morgan Stanley Wealth Management
90 years serving clients around the world
Approximately 80,000 employees in more than 41 countries on six continents
Over 45 years providing wealth management services to the world's most sophisticated investors and their families
Source: Morgan Stanley Quarterly Report, January 2025.
Location
3801 Pga Boulevard
Suite 700
Palm Beach Gardens, FL 33410
US
Direct:
(212) 643-5726(212) 643-5726
Toll-Free:
(800) 223-4565(800) 223-4565
Fax:
(347) 626-2680(347) 626-2680
Meet My Team
Shaun Bensol
Client Service Associate
Phone:
(212) 613-6810(212) 613-6810
Ayesha Hussain
Portfolio Associate
Phone:
(212) 643-5733(212) 643-5733
Lucas Intagliata
Client Service Associate
Phone:
(212) 643-5710(212) 643-5710
About Janet Perri
Janet Perri is a Senior Registered Associate with sixteen years of financial services experience. Janet is responsible for delivering world-class client service and working with the financial advisors to develop customized financial planning solutions. As a fully licensed registered associate, Janet works with the group to monitor and execute client objectives. She has a Bachelor of Science degree in Business from Nazareth College, Rochester, New York.
About Shaun Bensol
Shaun Bensol brings over 10 years of financial services experience to the team. He is responsible for delivering world-class client service and working with the financial advisors to develop customized financial planning solutions. As a fully licensed registered associate, Shaun works with the group to monitor and execute client objectives.
Shaun holds a Bachelor's Degree in communications from the S.I. Newhouse School of Public Communications at Syracuse University.
Licenses held: Series 7, 63, 65, Life & Health Insurance
Shaun holds a Bachelor's Degree in communications from the S.I. Newhouse School of Public Communications at Syracuse University.
Licenses held: Series 7, 63, 65, Life & Health Insurance
About Ayesha Hussain
Ayesha Hussain grew up on Long Island, New York, and developed an early interest in finance, data, and problem-solving. She pursued this passion at Bucknell University, where she earned her degree in Economics alongside a second major in English (Creative Writing) — a reflection of her belief in both analytical precision and the power of communication. She went on to earn a Master’s in Management from Cornell University’s Johnson Graduate School of Business.
Professionally, Ayesha brings a well-rounded background across finance, consulting, and real estate. She began her career at a Big Four consulting firm, focusing on technology and innovation strategy, and has since worked in real estate development, financial analysis, and corporate finance roles. Her experience spans both analytical rigor and client-facing communication. She brings a strategic mindset and strong command of financial modeling, forecasting, and data storytelling — helping align financial strategy with operational goals across the organization.
Outside of work, Ayesha remains passionate about the intersection of fashion and technology. She has designed her own fashion collection, previously ran a fashion blog, and continues to explore innovation in fiber science and sustainable materials — with a side interest in researching and experimenting with new textiles. Additionally, she enjoys playing tennis and trying new foods.
Professionally, Ayesha brings a well-rounded background across finance, consulting, and real estate. She began her career at a Big Four consulting firm, focusing on technology and innovation strategy, and has since worked in real estate development, financial analysis, and corporate finance roles. Her experience spans both analytical rigor and client-facing communication. She brings a strategic mindset and strong command of financial modeling, forecasting, and data storytelling — helping align financial strategy with operational goals across the organization.
Outside of work, Ayesha remains passionate about the intersection of fashion and technology. She has designed her own fashion collection, previously ran a fashion blog, and continues to explore innovation in fiber science and sustainable materials — with a side interest in researching and experimenting with new textiles. Additionally, she enjoys playing tennis and trying new foods.
About Lucas Intagliata
Lucas Intagliata is the newest member of the Hudson York team. He grew up in New Jersey and went to college at UC Berkeley, studying Economics and History. He’s always had a passion for finance, markets and the psychology of decision making. He also studied Italian in high school and college, going abroad to Florence in the Fall of 2023.
Outside of work, Lucas enjoys spending time outdoors and rooting for his favorite New York sports teams.
Licenses held: Series 7, Series 66.
Outside of work, Lucas enjoys spending time outdoors and rooting for his favorite New York sports teams.
Licenses held: Series 7, Series 66.
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams Source: Forbes (Awarded Jan 2026) Data compiled by SHOOK Research LLC based for the period 3/31/24-3/31/25.
Forbes Best-In-State Wealth Advisors
Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2026) Data compiled by SHOOK Research LLC for the period 6/30/24-6/30/25.
2
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
Cody Roscoe
Managing Director, Wealth Management, Institutional Consulting Director, Corporate Retirement Director, Senior Investment Management Consultant, Senior Portfolio Management Director
Managing Director, Private Wealth Management, Private Wealth Advisor, Stock Plan Director
About Cody Roscoe
Cody Roscoe 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, he collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Cody 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.
He earned his undergraduate degree from Syracuse University and received the Financial Planning Specialist® designation from the College for Financial Planning. Cody is originally from Houston, Texas and currently resides in New York, New York.
He earned his undergraduate degree from Syracuse University and received the Financial Planning Specialist® designation from the College for Financial Planning. Cody is originally from Houston, Texas and currently resides in New York, New York.
Morgan Stanley Wealth Management Financial Advisors can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
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.
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
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Jonathan Rynsky today.
1Investors 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5Morgan Stanley 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
6Alternative 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.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
11Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact 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.
12Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
13Morgan 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.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5Morgan Stanley 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
6Alternative 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.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
11Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact 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.
12Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
13Morgan 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.
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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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
