Jennifer Moulton
Vice President, Wealth Management Associate
Phone:
(706) 227-4023(706) 227-4023
Judd Doster, CDFA®, CEPA®
Executive Director, Wealth Management,
Financial Advisor,
Senior Portfolio Management Director,
Family Wealth Advisor,
Certified Divorce Financial Analyst
Direct:
(706) 227-4007(706) 227-4007
My Mission Statement
The Bright Mountain Group provides dedicated financial services to a select handful of families. Personal relationships of long standing are rooted, first and foremost, in listening to and understanding the unique situation of each client. Next, the team applies its experience and knowledge to craft bespoke investment strategies based on discipline and measurable progress, aimed at providing profitable outcomes for the families they serve.
My Story and Services
Judson Doster
Judd is steady and process-driven. He works with families to create and put into motion complex financial and planning strategies. His twenty-five years’ experience is built upon developing customized plans and structured investment portfolios to help families achieve the positive results they seek.
After graduating from Georgia Tech with a degree in Management and Economics, Judd was recruited by IBM, where he gained experience and skills until migrating into the financial advisory world in 1996. He has achieved the certifications of Family Wealth Advisor, Portfolio Management Director, Certified Exit Planning Advisor, and Certified Divorce Financial Analyst.
Judd has been married to his wife Teresa for 30 years. They are the proud parents of Sam & Maggie and three lively Weimaraners, Arnold, Freddie, and Roxy.
In his free time, Judd is an enthusiastic golfer, a serious amateur chef, and donates time and energy to community service through his board positions – Gatewood School Board of Directors, Salem Campmeeting Board of Trustees, and Eatonton Putnam Water Authority Board Member.
Judd is steady and process-driven. He works with families to create and put into motion complex financial and planning strategies. His twenty-five years’ experience is built upon developing customized plans and structured investment portfolios to help families achieve the positive results they seek.
After graduating from Georgia Tech with a degree in Management and Economics, Judd was recruited by IBM, where he gained experience and skills until migrating into the financial advisory world in 1996. He has achieved the certifications of Family Wealth Advisor, Portfolio Management Director, Certified Exit Planning Advisor, and Certified Divorce Financial Analyst.
Judd has been married to his wife Teresa for 30 years. They are the proud parents of Sam & Maggie and three lively Weimaraners, Arnold, Freddie, and Roxy.
In his free time, Judd is an enthusiastic golfer, a serious amateur chef, and donates time and energy to community service through his board positions – Gatewood School Board of Directors, Salem Campmeeting Board of Trustees, and Eatonton Putnam Water Authority Board Member.
Securities Agent: NH, NC, CT, AZ, MN, MD, DC, TX, TN, ME, KY, WY, RI, OH, UT, SC, HI, CA, OR, NJ, MT, MS, MA, FL, VA, PA, MI, LA, IL, AL, IA, SD, OK, NV, IN, GA, CO, AR, WI, NY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1290494
NMLS#: 1290494
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A HOLISTIC PROCESS, WITH YOU IN THE DRIVER'S SEAT
As a Financial Advisor, my mission is to help clients make some of life's most critical choices, as well as appropriate decisions for where they are and where they want to go. From saving for your dream retirement or planning for your child's future education expenses, together we will identify what matters most to you and ensure that your goals are achievable on your timeline.
Similar to a well-oiled machine, the "parts" of a financial plan either serve the strategy or they do not. We will diligently monitor your plan to take into account the changing circumstances of your life and the environment, managing risk at each step of the way.
Leveraging a sophisticated suite of analytical tools and decades of industry experience, my goal is for my clients to feel a sense of peace knowing that their financial plan is on track and in trusted hands.
Similar to a well-oiled machine, the "parts" of a financial plan either serve the strategy or they do not. We will diligently monitor your plan to take into account the changing circumstances of your life and the environment, managing risk at each step of the way.
Leveraging a sophisticated suite of analytical tools and decades of industry experience, my goal is for my clients to feel a sense of peace knowing that their financial plan is on track and in trusted hands.
1. Discovery
We begin with an organic discovery process of uncovering you and your family's most pertinent values, personal and financial circumstances, and pressing concerns to determine how I can add value. We will explore the lifestyle you enjoy and hope to lead in the future, key relationships, and the legacy you would like to leave behind for those who matter most to you. Collecting this information will enable us to capture your complete financial picture.
2. Analysis & Presentation
Based on our initial conversation, I will develop a tailored and cohesive financial plan that balances your attitudes as an investor, risks and opportunities in your profile, and an analysis of the financial markets. With your input, I will then present appropriate investment options and wealth management recommendations that work in tandem to protect, optimize, and grow your wealth.
3. Implementation & Execution
Upon your approval, I will work diligently to ensure a seamless implementation of the various elements of your financial plan, finetuning each part to adjust for changing circumstances. Wherever appropriate, I will consult with other professional individuals in your trusted circle and suggest that you seek additional advice from subject matter experts on particularly complex issues.
4. Objective & Performance Review
With ongoing communication at the core of my client relationships, I am committed to keeping you abreast of any changing market conditions and delivering performance metrics, ultimately making certain that your plan continues to align with your goals and your timeline. I will keep a high degree of communication with you to ensure that your concerns and requests are being addressed in a timely manner.
Helping Achieve Your Definition of Success
Our clients lead busy, fulfilling lives. They look to our team to provide sophisticated wealth management, as well as to simplify their financial decision making. We have structured our practice to serve both goals, and evolve with our clients as they encounter life changes.
- Retirement "What If" Scenarios
- College (529) Funding Analysis
- Income & Cashflow Planning
- Donor Advised Funds
- Charitable Remainder Trusts
- IRA Qualified Charitable Distribution
- Asset Titling & Estate Distribution
- Wealth Transfer Strategies: Annual Gifting, Gift & Estate Exemption, Generation Skipping Transfers
- Trust Planning: ILITs, GRATs, SLATs, IDGTs, Dynasty Trusts, Special Needs Trusts
- Compensation Review: RSUs, NQ & ISO Options
- AMT & Tax Management Strategies
- Managing Concentrated Stock
- Restricted Stock: Rule 144 Guidance, 10b5-1 Plans
- Cash Management & Capital
- Succession & Exit Planning
- Tax & Liquidity Strategies
- Intra-Family Transfer Techniques
- Securities-Based Lending
- Home Loans
- Life Insurance Review
- Long-Term Care Planning
- Creditor Protection
Financial Planning
We'll help you understand the fundamentals of finance and put your resources to work so you can plan, invest and ultimately transition to retirement with confidence.
Charitable Gifting
No matter what your philanthropic ambitions, a Financial Advisor can help you translate good intentions into an impactful strategy by utilizing a variety of trusts, charitable vehicles and wealth management tools.
Estate Planning & Wealth Transfer
Guiding high-net-worth families with legacy planning and collaborating with external tax & legal advisors to execute estate planning strategies and integrate investment solutions.
Equity Compensation & Restricted Stock
The by-product of a successful career is often a concentrated position in your company stock – representing a significant portion of your personal net worth and a high level of complexity. We help clients understand their equity compensation and manage their concentrated stock positions.
Business Owners
Helping business owners with key strategic needs such as access to capital, plan administration and a variety of exit strategies.
Liability Management
A comprehensive wealth management plan often includes prudent borrowing to compliment your investment portfolio. Our lending services can help provide the necessary funding and flexibility as you manage potential opportunities or liquidity needs.
Insurance & Asset Protection
A sound wealth plan requires more than seeking returns. It involves mitigating and managing risks to help protect you when the unexpected occurs. Insurance, as part of your overall wealth plan, can help you get closer to achieving your retirement and legacy planning goals.
WORKING WITH YOUR HEIRS
Below are some of what we consider to be the "pillars" of Multi-Generational Wealth Planning that hopefully provide some perspective for you to consider.
A smooth transition of family wealth to future generations is a goal of all high net-worth individuals. It is a sequence of events that entails a high-level of planning and communication that extends far beyond the requirements of a more conventional process. Its purpose entails not only paving the way for future generations of family members, but also preserving vital relationships and empowering your heirs with the financial education necessary to manage their inheritance effectively after you are gone.
In our experiences working with families, we've recognized that the absence of a plan and failing to properly communicate your interests for the transition is an avoidable pitfall, yet one that unfortunately arises regularly. Despite this, we firmly believe that with the right amount of preparation, you may not only avoid this, but instead leave a lasting-legacy for generations to come.
In our experiences working with families, we've recognized that the absence of a plan and failing to properly communicate your interests for the transition is an avoidable pitfall, yet one that unfortunately arises regularly. Despite this, we firmly believe that with the right amount of preparation, you may not only avoid this, but instead leave a lasting-legacy for generations to come.
MODERN WEALTH TOOLS AND ADDITIONAL RESOURCES
Our goal at Morgan Stanley is simple: “To be the firm with some of the most talented advisors in the industry leverage cutting-edge technology and deliver customized wealth management solutions to their clients and their families to help them to achieve their life goals.” The Firm strives to ensure it serves clients on its technology platforms that are resilient, safe, efficient, smart, fast and flexible. Please browse a few of our digital tools and modern wealth resources below:
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More
Online Security Center
Safeguarding your assets and information is one of our highest priorities, but you can also have a critical role to play. Check out our collection of practical takeaways and best practices from our cybersecurity professionals. Then explore a few of the ways we help protect you.
Learn More
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
Learn More
Financial Literacy and Wealth Education
Morgan Stanley has financial literacy resources for every age, wealth level and type of organization to help you support your clients and their families. We can help provide information to help build healthy financial habits and spark meaningful discussions.
Learn More
Tax Efficient Strategies
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan.
Learn More
Tax Loss Harvesting
What is Tax Loss Harvesting?
Tax loss harvesting is a tax-efficient investing strategy that can help minimize the amount of current taxes you have to pay on your investments.
Learn MoreTax loss harvesting is a tax-efficient investing strategy that can help minimize the amount of current taxes you have to pay on your investments.
GIC On the Markets
The Global Investment Committee's Lisa Shalett headlines this monthly look at markets, asset class performance and fixed income.
Learn More
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Learn More
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. Members can enjoy special discounts and timely insights to support them at home and beyond.
Learn MoreLocation
225 S Milledge Ave
Athens, GA 30605
US
Direct:
(706) 227-4007(706) 227-4007
Meet My Team
Teri Foster
Senior Registered Associate
Phone:
(706) 227-4005(706) 227-4005
Peri Bloodworth
Registered Client Service Associate
Phone:
(706) 227-4002(706) 227-4002
About Jennifer Moulton
Jennifer Moulton is a Wealth Management Associate with Morgan Stanley in Athens, GA. Jennifer has been with Morgan Stanley for 13+ years and in the financial industry for 25+ years.
Jennifer is a native of Conyers, GA and holds a degree in Management from Georgia Tech. She lives in Bishop, GA and enjoys spending time with her family and friends and watching the Atlanta Braves. She has been married to her husband Jeremy for 25 years and has two daughters, Maddie and Molly.
Jennifer is a native of Conyers, GA and holds a degree in Management from Georgia Tech. She lives in Bishop, GA and enjoys spending time with her family and friends and watching the Atlanta Braves. She has been married to her husband Jeremy for 25 years and has two daughters, Maddie and Molly.
About Teri Foster
Teri is a Senior Registered Service Associate and has 10 years of experience in the financial services industry. Within those 10 years, she has supported many Financial Advisors.
Teri is a native of Syracuse, New York and received an associates degree while living there at Central City Business Institute.
Before working at Morgan Stanley, she worked at Chrysler Financial for 20 years before being laid off. She then moved to Athens, Georgia with her husband and daughter in 2012. Her son lives in Orlando, Florida and is married with Teri’s first granddaughter.
Teri is involved in the children’s ministry at Athens Church and enjoys taking workout classes at Athens Crunch.
Teri is a native of Syracuse, New York and received an associates degree while living there at Central City Business Institute.
Before working at Morgan Stanley, she worked at Chrysler Financial for 20 years before being laid off. She then moved to Athens, Georgia with her husband and daughter in 2012. Her son lives in Orlando, Florida and is married with Teri’s first granddaughter.
Teri is involved in the children’s ministry at Athens Church and enjoys taking workout classes at Athens Crunch.
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
Nikki Roberts
Associate Private Banker
About Nikki Roberts
Nikki Roberts is a Private Banker serving Morgan Stanley Wealth Management offices in Georgia.
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.
Nikki began her career in financial services in 2007, and joined Morgan Stanley in 2017. Prior to joining the firm, she was a Senior Wealth Management Lending Officer at Merrill Lynch. She also served as a Private Banker and Investment Analyst at JP Morgan’s Private Bank.
Nikki is a graduate of The Wharton School at the University of Pennsylvania, where she received a Bachelor of Science in Economics. She lives in Alpharetta, Georgia. Outside of the office, Nikki enjoys reading, listening to live music, and skiing. She volunteers with the Leukemia & Lymphoma Society and the University of Pennsylvania Alumni Club.
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.
Nikki began her career in financial services in 2007, and joined Morgan Stanley in 2017. Prior to joining the firm, she was a Senior Wealth Management Lending Officer at Merrill Lynch. She also served as a Private Banker and Investment Analyst at JP Morgan’s Private Bank.
Nikki is a graduate of The Wharton School at the University of Pennsylvania, where she received a Bachelor of Science in Economics. She lives in Alpharetta, Georgia. Outside of the office, Nikki enjoys reading, listening to live music, and skiing. She volunteers with the Leukemia & Lymphoma Society and the University of Pennsylvania Alumni Club.
NMLS#: 821883
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Wealth Management
From My Desk
Want to Keep More of Your Investment Returns? Consider These Tax Moves
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact Judd Doster today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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
4Alternative 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.
5Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Investing 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.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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
4Alternative 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.
5Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Investing 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.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
