Bill Grey
Private Banker
Keith Pareti, CIMA®
Financial Advisor
Direct:
(425) 202-9970(425) 202-9970
My Mission Statement
Deliver real-world knowledge and independent thinking to help clients reach their goals and attain their definition of success.
About Me
Keith has joined Morgan Stanley from Janus Henderson, a global asset manager, where he spent 5+ years as the Director of the Advisor Solutions Group for Washington state. In this role, he consulted directly with financial professionals on all Janus Henderson-related investments.
Prior to joining Janus Henderson in 2018, he spent 8+ years as the west coast Director for WisdomTree Asset Management. He began his career in New York City on Wall Street as a trader in 2005 (working for AG Edwards, Group One Trading, GFI Group & Woodlawn Advisors).
In his role on the Allison Buxbaum team, Keith will focus on financial planning and endeavor to help our team’s clients build wealth to achieve their financial goals.
Keith is a Certified Investment Management Analyst and holds a Bachelor of Science degree in Business Administration, with a concentration in Finance, from Monmouth University. He played Division I Soccer for four years at the highest level sanctioned by the NCAA. He was a contributing writer of Building Blocks to Wealth as well as Debt Markets and Investments- two Oxford University Press Textbooks.
Keith moved to Seattle in 2012 with his wife (Karen) and together they have their son (Cruz). Outside the office Keith enjoys golf, Sounders & Kraken games, & traveling with his family.
Prior to joining Janus Henderson in 2018, he spent 8+ years as the west coast Director for WisdomTree Asset Management. He began his career in New York City on Wall Street as a trader in 2005 (working for AG Edwards, Group One Trading, GFI Group & Woodlawn Advisors).
In his role on the Allison Buxbaum team, Keith will focus on financial planning and endeavor to help our team’s clients build wealth to achieve their financial goals.
Keith is a Certified Investment Management Analyst and holds a Bachelor of Science degree in Business Administration, with a concentration in Finance, from Monmouth University. He played Division I Soccer for four years at the highest level sanctioned by the NCAA. He was a contributing writer of Building Blocks to Wealth as well as Debt Markets and Investments- two Oxford University Press Textbooks.
Keith moved to Seattle in 2012 with his wife (Karen) and together they have their son (Cruz). Outside the office Keith enjoys golf, Sounders & Kraken games, & traveling with his family.
Securities Agent: MT, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 2538412
NMLS#: 2538412
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Complex Needs Made Simple
Financial planning lies at the core of the wealth management process. Our team follows a disciplined approach designed to keep your plan aligned with what matters most to you. We:
- Establish a personal relationship to understand your goals, needs, and priorities
- Collaborate with your other professionals, including CPAs and attorneys, to develop a comprehensive financial plan
- Implement a strategy aligned with your personal and financial objectives
- Monitor progress and adapt as your life, the markets, and your circumstances evolve
Below are several core elements of my financial planning approach:
Intentionality
The wealth management process begins and ends with intentionality. As a fiduciary, I act in your best interest. We aim to make a complex wealth strategy simple, achievable, and even enjoyable—while keeping it focused on what you're trying to accomplish.
Disciplined Planning & Monitoring
Your wealth is not something I take lightly. We apply a disciplined process to every client relationship—one our team has refined through more than 100 years of combined industry experience. We believe trust must be earned. Every dollar we invest is tied to a purpose and a plan designed to support your long-term goals.
Diversified Approach
Relying solely on a traditional portfolio is not always sufficient. As a financial advisor, I leverage the full suite of Morgan Stanley resources to evaluate your needs and explore thoughtful, creative solutions. These may include alternative investment strategies, deconcentrating portfolios, and risk management—helping create a wealth plan designed to be resilient in both strong markets and periods of volatility.
A Multi-Generational View
Often, one of the most meaningful aspects of wealth management is transferring not only wealth, but also the values that created it. I focus on how you want your money to work for you today and how you envision its impact on your family, community, and future generations.
Personalized Wealth Solutions for People Like You
The Allison Buxbaum Group has more than 100 years of combined industry experience and has custody of more than $1.4 billion in client assets as of January 2026. Every client we work with is unique—their needs, circumstances, goals, and definition of success are personal. Our team works alongside you to provide a wide array of solutions.
Trust, Estate, & Tax Planning
Morgan Stanley recognizes that trusts, taxes, and your estate are a vital part of your overall financial picture. Our team has designed an estate planning toolkit with many key concepts to consider.
High Net Worth Planning
We offer high net worth individuals access to highly customized, holistic wealth strategies. Our team specializes in managing complex financial portfolios and provides objective, disciplined guidance during market volatility and major life transitions.
Family Governance & Wealth Education
We look to bridge value across generations. This includes developing family governance frameworks. Additionally, we seek to educate the next generations so you can see your values and wealth lived out though your kids, grandkids, and beyond.
Alternative Investments
Our leading alternatives platform offers 160+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Philanthropy Management
Giving back matters. We work alongside you to find your values and motivations to design a charitable giving strategy. Efficient giving maximizes your impact and guides impact that lasts.
Cybersecurity
The wealth management process is always evolving, I understand the importance of keeping your online identity safe. We collaborate with our cybersecurity professionals to provide you education on cyber safety and protect your identity.
Team Updates and Resources
Welcome! This is a landing page for you to see what is new with our team from Kirkland, Washington. Check in frequently to see new resources and updates from us.
Our January Newsletter
In the January edition of The Allison Buxbaum Group's January 2026 newsletter, we provided resources to help you start the year strong, including, family legacy planning, and online security. Additionally, we shares market insight on how growing data center electricity demand could affect consumers, plus practical "new year" money steps and a chart showing how alternative investments may help diversify during difficult markets.
Location
4000 Carillon Point
Ste 600
Kirkland, WA 98033
US
Direct:
(425) 202-9970(425) 202-9970
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
Adelaide El Zein, CFP®
Financial Planning Director, Vice President
Joe Saadi
Trust Specialist
Clint Eddy
Family Office Resource Generalist
About Bill Grey
Bill Grey is a Private Banker serving Morgan Stanley Wealth Management offices in Washington.
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.
Bill began his career in financial services over 30 years ago and joined Morgan Stanley in 2024 as a Private Banker. Prior to joining the firm, he was a Custom Credit Executive at the Merrill Lynch. Bill also served as a Wealth Management Banker at Merrill Lynch.
Bill is a graduate of the Pacific Coast Banking School. He enjoys spending time with his family and is an avid fisherman.
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.
Bill began his career in financial services over 30 years ago and joined Morgan Stanley in 2024 as a Private Banker. Prior to joining the firm, he was a Custom Credit Executive at the Merrill Lynch. Bill also served as a Wealth Management Banker at Merrill Lynch.
Bill is a graduate of the Pacific Coast Banking School. He enjoys spending time with his family and is an avid fisherman.
NMLS#: 652692
About Adelaide El Zein
Adelaide El Zein, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s
Wealth Management offices in Washington State, mainly serving our Bellevue, Kirkland, Yakima,
Kennewick and Bellingham office locations. She is responsible for helping Financial Advisors with their clients' and
prospects' financial planning needs.
A CERTIFIED FINANCIAL PLANNING® professional, Adelaide has been providing financial advice to
families and individuals in various settings for nearly 18 years. A former teacher, who taught
domestically and overseas in Germany and the United Arab Emirates, Adelaide launched her career in
finance at Ameriprise in 2004 after completing her MBA. She was an analyst at Merrill Lynch/Bank of
America for 4 years before joining an RIA in Arlington as a financial advisor.
A graduate of the University of Washington, she lives in Edmonds, WA with her future husband, Bob,
and his two teenage boys. Outside of work she enjoys photography, being outside, working on home
improvement projects, learning new languages and dancing to live music.
Wealth Management offices in Washington State, mainly serving our Bellevue, Kirkland, Yakima,
Kennewick and Bellingham office locations. She is responsible for helping Financial Advisors with their clients' and
prospects' financial planning needs.
A CERTIFIED FINANCIAL PLANNING® professional, Adelaide has been providing financial advice to
families and individuals in various settings for nearly 18 years. A former teacher, who taught
domestically and overseas in Germany and the United Arab Emirates, Adelaide launched her career in
finance at Ameriprise in 2004 after completing her MBA. She was an analyst at Merrill Lynch/Bank of
America for 4 years before joining an RIA in Arlington as a financial advisor.
A graduate of the University of Washington, she lives in Edmonds, WA with her future husband, Bob,
and his two teenage boys. Outside of work she enjoys photography, being outside, working on home
improvement projects, learning new languages and dancing to live music.
About Joe Saadi
Joseph Saadi is the Regional Trust Specialist for Morgan Stanley’s Central Region. Within the Trust Services Group, Joe is responsible for delivering the “Open Architecture” trustee platform, which consists of several unaffiliated third-party trust companies who serve in a fiduciary, agency or custodial role for high-net-worth and ultra-high-net-worth families. Joe and the Trust Services Group help Morgan Stanley Financial Advisors, clients, prospects and the professional community understand the corporate trustee services available through Morgan Stanley and how their corporate trustee partners provide fiduciary services to clients. The process involves reviewing trust documents and statements as well as analyzing family dynamics. Joe then uses this information to help clients select one or more of the Firm’s corporate trustee partners to possibly serve as trustee, co-trustee or administrative agent for client trust accounts.
Prior to joining the firm, Joe’s 30 years of legal and comprehensive wealth planning experience include positions as Managing Director at TIAA Trust Company, Market Trust Director at JP Morgan Trust Company, Trust & Estate Specialist at Merrill Lynch Trust Company, and District Attorney General at the Ohio Attorney General’s Office.
Joe obtained his Bachelor of Science in Business Administration degree from John Carroll University and his Juris Doctor from Cleveland-Marshall College of Law. Joe is a member of the State Bar of Ohio and holds his Series 7 and 66 licenses.
Prior to joining the firm, Joe’s 30 years of legal and comprehensive wealth planning experience include positions as Managing Director at TIAA Trust Company, Market Trust Director at JP Morgan Trust Company, Trust & Estate Specialist at Merrill Lynch Trust Company, and District Attorney General at the Ohio Attorney General’s Office.
Joe obtained his Bachelor of Science in Business Administration degree from John Carroll University and his Juris Doctor from Cleveland-Marshall College of Law. Joe is a member of the State Bar of Ohio and holds his Series 7 and 66 licenses.
About Clint Eddy
Clint Eddy is an Executive Director with the Family Office Resources (FOR) team at Morgan Stanley. As a Generalist with FOR he helps clients and Advisors curate and navigate an expansive suite of highly specialized resources to address the complex, multifaceted challenges of managing significant wealth so clients may make complicated decisions confidently.
Prior to joining Morgan Stanley in 2022, Clint was a Wealth Strategist at Merrill Lynch for over 15 years. Clint also practiced tax and business law at the law firm of Fox Rothschild for over six years. He was a member of the firm’s Estate Planning and Tax and Corporate Transactions groups. Clint is a member of Washington State Bar Association (WSBA) and is actively involved in the WSBA’s Real Property, Probate and Trust section. He is the co-author of the Washington Partnership and Limited Liability Company Deskbook and was named a “Rising Star” by Washington Law and Politics magazine.
Clint received his Master of Laws in Taxation from the University of Washington School of Law, his Juris Doctor from the University of Oregon School of Law, and his Bachelor of Arts from the University of Washington. He is Series 7 and 66 licensed.
Outside of work Clint is an avid, but admittedly, pretty awful skier. He and his fiancé live in Seattle with their 10 year old Boston Terrier named Annie.
Prior to joining Morgan Stanley in 2022, Clint was a Wealth Strategist at Merrill Lynch for over 15 years. Clint also practiced tax and business law at the law firm of Fox Rothschild for over six years. He was a member of the firm’s Estate Planning and Tax and Corporate Transactions groups. Clint is a member of Washington State Bar Association (WSBA) and is actively involved in the WSBA’s Real Property, Probate and Trust section. He is the co-author of the Washington Partnership and Limited Liability Company Deskbook and was named a “Rising Star” by Washington Law and Politics magazine.
Clint received his Master of Laws in Taxation from the University of Washington School of Law, his Juris Doctor from the University of Oregon School of Law, and his Bachelor of Arts from the University of Washington. He is Series 7 and 66 licensed.
Outside of work Clint is an avid, but admittedly, pretty awful skier. He and his fiancé live in Seattle with their 10 year old Boston Terrier named Annie.
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley 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.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
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.
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley 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.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
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.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Keith Pareti today.
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
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)
