Peter Barash
Private Banker
Keith Morris
Managing Director, Wealth Management,
Senior Portfolio Management Director
Direct:
(818) 409-0731(818) 409-0731
Toll-Free:
(800) 488-1240(800) 488-1240
My Mission Statement
My mission is to understand my clients’ needs and deliver comprehensive financial services, including retirement solutions, business planning, and alternative investment strategies.
About Us
1995 - Present: Morgan Stanley
With over 30 years of experience at Morgan Stanley, Keith Morris is a High Net Worth Managing Director offering a number of investment strategies that stress capital preservation first, growth second. As a Senior Portfolio Management Director, and member of Morgan Stanley’s Chairman’s Club, Keith has built long-standing relationships with clients, often spanning generations, by offering personalized financial solutions rather than cookie-cutter approaches that may not align with their goals.
Just like seat belts must be securely fastened before the accident, we believe in having our clients’ wealth management “seat belts” securely fastened before times of market unrest.
Our primary investment platform is a fee-based model where we work with our clients to reach their objectives. We also offer experience in individual equities, fixed income (particularly tax-free investments), insurance strategies, and structured products for those interested in growth coupled with preservation of principle. We also offer our clients access to banking and lending services. Each of these solutions comes with a complete financial planning component.
The hallmarks of our investment process are understanding, education, accessibility, service, and a commitment to leveraging the very best investment tools and resources of our global firm.
With over 30 years of experience at Morgan Stanley, Keith Morris is a High Net Worth Managing Director offering a number of investment strategies that stress capital preservation first, growth second. As a Senior Portfolio Management Director, and member of Morgan Stanley’s Chairman’s Club, Keith has built long-standing relationships with clients, often spanning generations, by offering personalized financial solutions rather than cookie-cutter approaches that may not align with their goals.
Just like seat belts must be securely fastened before the accident, we believe in having our clients’ wealth management “seat belts” securely fastened before times of market unrest.
Our primary investment platform is a fee-based model where we work with our clients to reach their objectives. We also offer experience in individual equities, fixed income (particularly tax-free investments), insurance strategies, and structured products for those interested in growth coupled with preservation of principle. We also offer our clients access to banking and lending services. Each of these solutions comes with a complete financial planning component.
The hallmarks of our investment process are understanding, education, accessibility, service, and a commitment to leveraging the very best investment tools and resources of our global firm.
Services Include
- 529 PlansFootnote1
- Alternative InvestmentsFootnote2
- AnnuitiesFootnote3
- Asset Management
- Business PlanningFootnote4
- Business Succession PlanningFootnote5
- Cash ManagementFootnote6
- Certificates of DepositFootnote7
- Corporate Retirement PlansFootnote8
- Estate Planning StrategiesFootnote9
- Financial PlanningFootnote10
- Lending Products
- Qualified Retirement PlansFootnote11
- Retirement PlanningFootnote12
- Trust Services*
Securities Agent: NY, NC, MN, ME, DE, WV, OR, OH, HI, VA, UT, NH, KS, ID, FL, MT, MI, KY, IL, CT, AL, TN, WA, TX, NM, MD, LA, CO, AR, NJ, CA, AZ, NV, MA, IA, MO, GA, SC, RI, PA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1368459
CA Insurance License #: 0B53556
NMLS#: 1368459
CA Insurance License #: 0B53556
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Education
Keith Morris earned his Bachelor of Science in Agricultural Business from California Polytechnic State University in San Luis Obispo and holds multiple certifications, licenses, and designations as a Senior Portfolio Management Director of The Guardian Group at Morgan Stanley.
Certifications:
• Series 6 - Investment Company Products/Variable Contract Limited Representative
• Series 7 - NYSE/NASD General Securities Registered Representative
• Series 31 - Futures Managed Funds
• Series 63 - Uniform Securities Agent Law
• California Insurance License (#0B53556) - Accident & Health, Life & Variable Contracts
Certifications:
• Series 6 - Investment Company Products/Variable Contract Limited Representative
• Series 7 - NYSE/NASD General Securities Registered Representative
• Series 31 - Futures Managed Funds
• Series 63 - Uniform Securities Agent Law
• California Insurance License (#0B53556) - Accident & Health, Life & Variable Contracts
Experience
With over 30 years of experience at Morgan Stanley, Keith Morris has built a distinguished career in wealth management, earning a reputation for his dedication to client success. As a Senior Portfolio Management Director, he specializes in creating tailored investment strategies that preserve and grow client wealth through a comprehensive, individualized approach. His expertise spans equities, fixed-income vehicles, insurance strategies, and structured products, ensuring that his clients receive the highest level of financial guidance.
Keith’s commitment to excellence and leadership has earned him a place in Morgan Stanley’s prestigious Chairman’s Club, a recognition reserved for the firm’s top financial advisors. His ability to navigate market cycles and provide strategic financial solutions has made him a trusted advisor to individuals and families seeking long-term financial security.
Keith’s commitment to excellence and leadership has earned him a place in Morgan Stanley’s prestigious Chairman’s Club, a recognition reserved for the firm’s top financial advisors. His ability to navigate market cycles and provide strategic financial solutions has made him a trusted advisor to individuals and families seeking long-term financial security.
Client Service Team
Monique A. Morris - Portfolio Associate
Phone:
(818) 409-0739(818) 409-0739
Email:monique.a.morris@morganstanley.com
Monique Morris is a uniquely skilled professional with many years of experience in the financial services industry. While studying at Pasadena City College, Monique began working part-time for Dean Witter Reynolds in the San Marino branch in 1988. Monique has held various positions over the course of her 38-year career. As a Portfolio Associate, she is well-accredited and focuses on client management, marketing and social media for The Guardian Group.
Monique believes that their familial approach helps nurture long-lasting relationships with their clients and aids in their ability to fundamentally understand what’s needed from a wealth planning perspective.
Certifications:
● Series 7 - General Securities Representative
● Series 31 - Futures Managed Funds
● Series 63 - Uniform Securities Agent State Law Examination
● Series 65 - Uniform Investment Adviser Law
● California Insurance License - Accident & Health, Life, and Variable Contracts
Monique Morris holds the following registrations: Securities Agent: AK, AZ, CA, CO, DC, DE, GA, ID, IL, MN, MT, NJ, NM, NV, OR, PA, TX, WA; General Securities Representative; Investment Advisorship: AK, AZ, CA, CO, DC, DE, GA, ID, IL, MN, MT, NJ, NM, NV, NY, OR, PA, TX, WA; Managed Futures
Monique believes that their familial approach helps nurture long-lasting relationships with their clients and aids in their ability to fundamentally understand what’s needed from a wealth planning perspective.
Certifications:
● Series 7 - General Securities Representative
● Series 31 - Futures Managed Funds
● Series 63 - Uniform Securities Agent State Law Examination
● Series 65 - Uniform Investment Adviser Law
● California Insurance License - Accident & Health, Life, and Variable Contracts
Monique Morris holds the following registrations: Securities Agent: AK, AZ, CA, CO, DC, DE, GA, ID, IL, MN, MT, NJ, NM, NV, OR, PA, TX, WA; General Securities Representative; Investment Advisorship: AK, AZ, CA, CO, DC, DE, GA, ID, IL, MN, MT, NJ, NM, NV, NY, OR, PA, TX, WA; Managed Futures
CA Insurance License #: 0B94741
Lina Fong - Portfolio Associate, Financial Planning Specialist
Phone:
(626) 405-9345(626) 405-9345
Email:lina.fong@morganstanley.com
Lina Fong received her Bachelor’s of Science in Organizational Communication from Eastern Michigan University and thereafter started her career in public finance. Lina joined the Morgan Stanley team in 2007 and now works as a Financial Planning Specialist/Portfolio Associate.
As a registered advisor who is bilingual in Cantonese and English, Lina maintains her Series 7 & 66 licenses, which designates her as both a securities agent and an investment advisor representative for investors.
Lina Fong holds the following registrations: Securities Agent: AK, AL, AZ, CA, CO, DC, DE, FL, GA, HI, ID, IL, KS, MD, MI, MN, MO, NC, NJ, NM, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, WA
As a registered advisor who is bilingual in Cantonese and English, Lina maintains her Series 7 & 66 licenses, which designates her as both a securities agent and an investment advisor representative for investors.
Lina Fong holds the following registrations: Securities Agent: AK, AL, AZ, CA, CO, DC, DE, FL, GA, HI, ID, IL, KS, MD, MI, MN, MO, NC, NJ, NM, NV, NY, OH, OR, PA, RI, SC, TN, TX, UT, WA
Ivan Munoz - Financial Advisor
Phone:
(626) 584-3421(626) 584-3421
Email:Ivan.Munoz@morganstanley.com
Ivan Munoz earned his Bachelor of Science in Business Administration from the University of California, Irvine. He began his career in finance at Morgan Stanley in 2021 as an intern and later served as a Registered Client Service Associate for The Guardian Group, where he focused on building strong client relationships, providing operational support, and contributing to the team’s growth.
In 2026, Ivan began the Financial Advisor (FA) program, taking the next step in his career as he continues working closely with clients to help them pursue their financial goals.
Ivan holds the Series 7 and 66 licenses from FINRA, designating him as both a securities agent and an investment advisor representative. He is bilingual in English and Spanish.
Outside the office, Ivan enjoys playing golf and basketball, listening to podcasts, and spending time with family and friends.
NMLS #2840940
In 2026, Ivan began the Financial Advisor (FA) program, taking the next step in his career as he continues working closely with clients to help them pursue their financial goals.
Ivan holds the Series 7 and 66 licenses from FINRA, designating him as both a securities agent and an investment advisor representative. He is bilingual in English and Spanish.
Outside the office, Ivan enjoys playing golf and basketball, listening to podcasts, and spending time with family and friends.
NMLS #2840940
Securities Agent: AR, WY, RI, PA, OK, KY, IL, IA, WA, NY, NE, ID, HI, VA, ME, MD, OR, ND, MA, DE, CA, OH, NV, NM, UT, TX, KS, IN, AL, SD, NC, MN, MI, GA, FL, WI, SC, MT, MO, DC, AZ, TN, NJ, NH, LA, CT, CO, WV; General Securities Representative; Investment Advisor Representative
CA Insurance License #: 4376635
CA Insurance License #: 4376635
Daniel Syrkin - Client Service Associate
Phone:
(626) 304-2406(626) 304-2406
Email:Danny.Syrkin@morganstanley.com
Danny Syrkin earned both his Bachelor of Business Administration (Finance) and a Master of Finance from the University of Southern California. Danny began his career at Morgan Stanley as an intern and now serves as a Client Service Associate with The Guardian Group, where he supports the team through relationship-focused client service, day-to-day operational execution, and contributing to the team’s continued growth and development.
Location
55 South Lake Ave
Ste 700
Pasadena, CA 91101
US
Direct:
(818) 409-0731(818) 409-0731
Toll-Free:
(800) 488-1240(800) 488-1240
Fax:
(818) 748-9214(818) 748-9214
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
About Peter Barash
Peter Barash is a Private Banker serving Morgan Stanley Wealth Management offices in California.
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.
Peter began his career in financial services in 1984, and joined Morgan Stanley in 2010 as a Private Banker. Prior to joining the firm, he was a Private Banking Specialist at U.S. Bank.
Peter is a graduate of Columbia University, where he received a Bachelor of Arts in Economics and Comparative Literature. He holds an MBA from the University of Southern California. He lives in Glendale, California with his family. Outside of the office, Peter enjoys, hiking, playing bass guitar and reading.
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.
Peter began his career in financial services in 1984, and joined Morgan Stanley in 2010 as a Private Banker. Prior to joining the firm, he was a Private Banking Specialist at U.S. Bank.
Peter is a graduate of Columbia University, where he received a Bachelor of Arts in Economics and Comparative Literature. He holds an MBA from the University of Southern California. He lives in Glendale, California with his family. Outside of the office, Peter enjoys, hiking, playing bass guitar and reading.
NMLS#: 799189
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
Global Investment Office
Portfolio Insights
This is a video content
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
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Keith Morris 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.
2Alternative 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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan Stanley Smith Barney LLC 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
7Investors 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.
8When 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.
9Morgan 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.
10Morgan 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.
11When 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.
12When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative 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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan Stanley Smith Barney LLC 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
7Investors 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.
8When 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.
9Morgan 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.
10Morgan 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.
11When 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.
12When 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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
