Kelly Bensel
Assistant Vice President
Phone:
(212) 492-6940(212) 492-6940
Morgan Stanley Private Wealth Management
Kamesh Nagarajan
Managing Director, Private Wealth Management,
Private Wealth Advisor,
Senior Portfolio Management Director,
International Client Advisor,
Alternative Investments Director
Direct:
(212) 492-6750(212) 492-6750
Industry Award WinnerMy Mission Statement
Combining our experience with the resources of Morgan Stanley, we help wealthy families address the complex challenges of managing significant wealth.
Welcome
Kamesh Nagarajan is an Executive Director and Senior Portfolio Management Director at Morgan Stanley with over 19 years of experience. He focuses on helping corporate executives with their overall wealth planning, including integrating corporate benefits and concentrated stock planning, and in advising physicians and entrepreneurs on holistic wealth management issues. He is also an International Client Advisor (ICA), working with Indian citizens and/or residents who want their wealth management portfolio based in the United States.
Mr. Nagarajan holds a Bachelor of Arts degree in Economics from Vassar College and a Juris Doctor with honors from Syracuse University College of Law. He is a national speaker on various financial topics and has written many finance articles for various publications. In addition, he has appeared on CNBC, Fox Business News, CBS and Forbes.com as an expert on various financial topics. At Morgan Stanley, Mr. Nagarajan is a member of The Morgan Stanley President’s Club (2015, 2016, 2017) for top advisors at the firm. Mr. Nagarajan was also a panelist at the 2013 Barron’s Top Advisor Diversity Summit.
Mr. Nagarajan resides in Manhattan with his eleven-year-old twins, Anya and Prem.
Mr. Nagarajan holds a Bachelor of Arts degree in Economics from Vassar College and a Juris Doctor with honors from Syracuse University College of Law. He is a national speaker on various financial topics and has written many finance articles for various publications. In addition, he has appeared on CNBC, Fox Business News, CBS and Forbes.com as an expert on various financial topics. At Morgan Stanley, Mr. Nagarajan is a member of The Morgan Stanley President’s Club (2015, 2016, 2017) for top advisors at the firm. Mr. Nagarajan was also a panelist at the 2013 Barron’s Top Advisor Diversity Summit.
Mr. Nagarajan resides in Manhattan with his eleven-year-old twins, Anya and Prem.
Securities Agent: KY, IA, AR, AK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, KS, LA, MA, MD, ME, MI, MN, MO, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VI, VT, WA, WI, WY, WV, SD, PR, MT, MS; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279157
NMLS#: 1279157
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
About PWM
Founded in 1977, Private Wealth Management is the division of Morgan Stanley Wealth Management that is dedicated to serving the firm’s most affluent clients, including some of the world’s most accomplished entrepreneurs, executives and stewards of multigenerational wealth. Functioning as an exclusive investment boutique within a global financial firm, we deliver sophisticated solutions that leverage the intellectual capital and insight of Morgan Stanley’s substantial global resources. Drawing on a deep understanding of your financial life, our goal is to help you:
- Manage investments with an unwavering focus on your financial strategy and personal goals
- Create comprehensive, multigenerational wealth management plans based on your needs, challenges and the values that guide your life and legacy
- Simplify financial complexity to help you achieve clarity and control
Private Wealth Management Highlights
- Approximately 300 teams specialized in assisting individuals and families with $20MM+ in investable assets
- Over $1.2 trillion in AUM
- Comprising 26% of the Barron’s Top 100 Financial Advisors list for 2025
- Direct access to ultra high net worth experts in philanthropy, family dynamics, wealth transfer, lifestyle advisory and other areas of interest to ultra high net worth families
1 Morgan Stanley Wealth Management, September 2025
Source: Barron's (Awarded March 2025) This ranking was determined based on an evaluation process conducted by Barron's for the period Oct 2023-Sept 2024. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on an algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the assessment of Barron's and may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
Who We Serve
We work with individuals and families who want thoughtful guidance, clear planning, and an advisory team that can help simplify complex financial decisions. Our clients often have busy lives and a lot moving at once—so we focus on bringing structure, coordination, and confidence to the process.
Corporate Executives
Your compensation and planning decisions can be layered and time‑sensitive. We help you stay organized and proactive so your financial strategy keeps pace with your career and long‑term goals.
Physicians
Between demanding schedules and long-term commitments, it can be hard to prioritize financial planning. We help physicians create a plan that’s clear, efficient, and built to support both today’s needs and future goals.
Entrepreneurs and Business Owners
When so much of your net worth is tied to your business, every decision matters. We help you coordinate your personal and business finances—so you can plan for growth, manage transitions, and protect what you’re building.
International Investors
If your life, family, or assets extend across borders, planning can feel more complex. We work with globally connected clients to help bring clarity and coordination to their U.S.-based portfolios and broader financial picture.
From Our Team
Morgan Stanley's comprehensive suite of digital tools is designed to help enhance your financial life. Below are a few of the technologies that we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise content.
Morgan Stanley Online
Morgan Stanley Online and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research. The Morgan Stanley Mobile App provides clients with access to their accounts in just a few minutes.
Learn More
Online Security Center
Protecting your online security is a key priority. We work proactively to help defend our systems and monitor emerging threats so we can identify potential issues early and respond appropriately. We also share guidance and best practices to help you safeguard your personal information outside of the firm.
Visit Online Security Center
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your external account information, you will benefit from more informed and comprehensive wealth planning and convenient connectivity.
Learn More
Cash Management
Designed as a modern alternative to banking with all the capabilities to help you access, move, and manage cash how and when you need it. Plus unlock exclusive benefits such as unlimited ATM fee rebates worldwide, Identity & Credit Protection from Experian®, an Annual Engagement Bonus and more.
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.
Learn More
Morgan Stanley GIFT Donor-Advised Funds
Morgan Stanley Global Impact Funding Trust (MS GIFT) offers a thoughtful and tax-advantageous way to support the charities and causes that matter most to you.
Learn More
On The Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Learn More
The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Learn More
Our Latest Investment Ideas and Insights
Explore the latest thought leadership about current market insights, recent investment trends, and industry leading research curated by Morgan Stanley.
Learn More
2026 Tax Tables
This table shows the 2026 contribution limits for Retirement Plans, Traditional and ROTH IRA Contribution Limits, Health Savings Accounts, and more.
Learn More
Morgan Stanley Reserved Living & Giving
Reserved Living & Giving is a complimentary perks program for eligible Morgan Stanley and E*TRADE clients, designed to provide benefits beyond traditional wealth management services.
Learn More
Reserved Offers
Exclusive offers to keep Reserved Clients and their families safe and engaged. Offers span across such categories as Dining, Health & Wellness, Travel, Entertainment, and more.
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Morgan Stanley Family Office
When it comes to providing institutional-level support for your family office, scale matters. Our offering aims to bring together specialized investment services and operational support to enhance your life and legacy.
Learn More
Art Resources Team
Morgan Stanley has an Art Resources Team (ART), which has the goal of showing clients how they can address the unique challenges of art as an asset and create bespoke solutions for every client and collection. The team has recently begun the publication of a newsletter, with the goal of keeping readers up-to-date on the connections between art and the markets.
Learn MoreThoughtful guidance for the decisions that can meaningfully shape your financial future.
Equity compensation and corporate benefits can be some of the most valuable—and most complex—parts of your total compensation. My role is to help you make sense of how these pieces fit together so you can make confident decisions that align with your goals, your timeline, and your risk comfort.
This work often includes coordinating across tax considerations, cash flow needs, and investment strategy—so your decisions in one area don’t unintentionally create challenges in another.
This work often includes coordinating across tax considerations, cash flow needs, and investment strategy—so your decisions in one area don’t unintentionally create challenges in another.
Equity Compensation Planning
Equity awards can create significant opportunity, but they also introduce layers of complexity: different tax treatments, vesting schedules, and timing decisions that may affect your broader plan. We work together to build an approach that is clear, deliberate, and aligned with your long-term objectives.
Areas we commonly cover include:
• RSUs (Restricted Stock Units): Planning for vesting events, potential tax withholding impacts, and how RSU income can affect your cash flow and investment approach.
• ISOs (Incentive Stock Options): Evaluating exercise timing, potential tax impacts, and decision trade-offs based on your goals and planning horizon.
• Nonqualified Stock Options (NQSOs): Reviewing exercise strategies and the interaction between taxes, liquidity, and portfolio construction.
• ESPP (Employee Stock Purchase Plans): Helping you evaluate participation levels, holding strategies, and how to integrate ESPP proceeds into your broader plan.
What we focus on across all equity types:
• Tax-aware decision-making (in coordination with your tax professional)
• Concentration risk and how company stock fits within your overall portfolio
• Cash flow timing—planning for vesting, exercises, and potential tax payments
• Goal alignment—using equity compensation to support milestones like a home purchase, college funding, or retirement
Areas we commonly cover include:
• RSUs (Restricted Stock Units): Planning for vesting events, potential tax withholding impacts, and how RSU income can affect your cash flow and investment approach.
• ISOs (Incentive Stock Options): Evaluating exercise timing, potential tax impacts, and decision trade-offs based on your goals and planning horizon.
• Nonqualified Stock Options (NQSOs): Reviewing exercise strategies and the interaction between taxes, liquidity, and portfolio construction.
• ESPP (Employee Stock Purchase Plans): Helping you evaluate participation levels, holding strategies, and how to integrate ESPP proceeds into your broader plan.
What we focus on across all equity types:
• Tax-aware decision-making (in coordination with your tax professional)
• Concentration risk and how company stock fits within your overall portfolio
• Cash flow timing—planning for vesting, exercises, and potential tax payments
• Goal alignment—using equity compensation to support milestones like a home purchase, college funding, or retirement
Concentrated Stock Risk & Diversification (High-Level Frameworks)
Holding a significant amount of company stock can be a sign of success—yet it can also create added risk if too much of your financial well-being depends on a single company’s performance. We’ll discuss diversification thoughtfully and at a pace that feels right for you.
Our high-level framework includes:
• Identifying how exposure to company stock affects your overall risk profile
• Establishing a diversification approach that supports your goals and liquidity needs
• Building a plan that balances confidence in your company with the importance of long-term resilience
Our high-level framework includes:
• Identifying how exposure to company stock affects your overall risk profile
• Establishing a diversification approach that supports your goals and liquidity needs
• Building a plan that balances confidence in your company with the importance of long-term resilience
Corporate Benefits Integration
Your benefits package can be a powerful planning tool—especially when combined with equity compensation. We take a holistic view to help ensure your elections and contributions support your overall financial strategy.
Planning topics may include:
• Retirement plans: Coordinating contributions and savings priorities across workplace plans and personal goals
• Annual enrollment decisions: Helping you think through benefit elections in the context of your broader financial picture
• Deferred compensation considerations: Discussing, at a high level, the role deferred comp may play in cash flow planning and longer-term wealth strategy (and when it may be appropriate to explore further with your tax and legal advisors)
Our conversations are designed to be straightforward, practical, and grounded in what matters most to you—so you can move forward with clarity.
Planning topics may include:
• Retirement plans: Coordinating contributions and savings priorities across workplace plans and personal goals
• Annual enrollment decisions: Helping you think through benefit elections in the context of your broader financial picture
• Deferred compensation considerations: Discussing, at a high level, the role deferred comp may play in cash flow planning and longer-term wealth strategy (and when it may be appropriate to explore further with your tax and legal advisors)
Our conversations are designed to be straightforward, practical, and grounded in what matters most to you—so you can move forward with clarity.
Location
55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 492-6750(212) 492-6750
Fax:
(646) 291-5948(646) 291-5948
Meet My Team
Jonathan Farmer
Wealth Management Associate
Phone:
(212) 692-2379(212) 692-2379
Justin Pender
Vice President, Investment Consultant
Phone:
(212) 705-4524(212) 705-4524
Sophie Sambrotto
Wealth Management Intern
Phone:
(212) 705-4597(212) 705-4597
About Kelly Bensel
Kelly Bensel brings over eight years of experience in finance to her role as an Assistant Vice President and Private Wealth Analyst for The Nagarajan Group at Morgan Stanley. Her primary focus is on supporting client relationships through planning analysis and is committed to helping them achieve their financial goals.
Prior to joining the team in 2021, Kelly worked in the Investments and Investor Relations teams for global investment firm Atlas Merchant Capital. There she helped in managing relationships with existing and prospective investors, and with fundraising efforts for two Private Equity funds and a Credit Opportunities fund.
Kelly graduated from Rutgers University with a major in Political Science, and a minor in Urban Planning and Public Policy. She also holds Series 7 and Series 66 license designations. Originally from Bergen County, NJ, she now resides in Brooklyn, NYC. Outside of work she enjoys spending time with her family and friends, cooking, sports, and staying active.
Prior to joining the team in 2021, Kelly worked in the Investments and Investor Relations teams for global investment firm Atlas Merchant Capital. There she helped in managing relationships with existing and prospective investors, and with fundraising efforts for two Private Equity funds and a Credit Opportunities fund.
Kelly graduated from Rutgers University with a major in Political Science, and a minor in Urban Planning and Public Policy. She also holds Series 7 and Series 66 license designations. Originally from Bergen County, NJ, she now resides in Brooklyn, NYC. Outside of work she enjoys spending time with her family and friends, cooking, sports, and staying active.
About Jonathan Farmer
Jonathan Farmer is a Wealth Management Associate at Morgan Stanley Private Wealth Management, where he supports high-net-worth individuals and families with the day-to-day execution of their financial needs.
He is often a primary point of contact for clients, supporting their needs and ensuring a smooth, responsive experience.
Jonathan works closely with clients on service, coordination, and execution, helping translate strategy into action while keeping communication clear and consistent.
Originally from New England, Jonathan earned both his Bachelor’s degree and MBA from Roger Williams University. Outside of work, he enjoys traveling, exploring New York City, and following Boston sports.
He is often a primary point of contact for clients, supporting their needs and ensuring a smooth, responsive experience.
Jonathan works closely with clients on service, coordination, and execution, helping translate strategy into action while keeping communication clear and consistent.
Originally from New England, Jonathan earned both his Bachelor’s degree and MBA from Roger Williams University. Outside of work, he enjoys traveling, exploring New York City, and following Boston sports.
About Justin Pender
Justin Pender is a Vice President and Investment Consultant at Morgan Stanley. In his role, he advises clients and directs the team’s investment strategy by developing customized portfolios, analyzing asset allocations and implementing tax efficient solutions for clients.
Prior to joining the team, Justin worked as Portfolio Manager at RBC where he was responsible for monitoring client portfolios and implementing investment strategies.
He holds an MBA in Finance from Baruch College and a B.S. in Finance, from Boston University. He enjoys playing tennis and spending time with family.
Prior to joining the team, Justin worked as Portfolio Manager at RBC where he was responsible for monitoring client portfolios and implementing investment strategies.
He holds an MBA in Finance from Baruch College and a B.S. in Finance, from Boston University. He enjoys playing tennis and spending time with family.
About Sophie Sambrotto
Sophie is a current Wealth Management intern with the Nagarajan Group at Morgan Stanley. She is deeply interested in how strategic wealth planning can empower clients to achieve their long-term financial goals. Sophie is a recent graduate of Fordham University’s Gabelli School of Business, where she earned a bachelor’s degree in finance. She is originally from Manhattan.
Awards and Recognition
Forbes Best-In-State Wealth Advisors
2019-2024, 2026 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2019-2024, 2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
Private Wealth Management Podcast
Bringing you engaging stories and key insights surrounding the complexities associated with significant wealth, including:
- Intergenerational Planning
- Philanthropic Giving
- Non-Traditional Assets
- Managing Family Wealth
Managing Significant Wealth
- Investment Management
- Wealth Transfer & Philanthropy
- Cash Management & Lending
- Family Governance & Wealth Education
- Lifestyle Advisory
- Business Services
Insights and Outcomes
Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
1Alternative 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.
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 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.
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
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Investing 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.
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.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
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.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products 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.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
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
Awards Disclosures | Morgan Stanley
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 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.
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
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Investing 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.
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.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
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.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products 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.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
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
Awards Disclosures | Morgan Stanley
CRC 4677197 (7/2025)
