Kevin Sanchez, CIMA, CPWA, CFP
Senior Vice President, Financial Advisor, Senior Institutional Consultant, Investing with Impact Director
Phone:
(925) 822-7448(925) 822-7448
Kevin M. Sanchez, CIMA®, CPWA®, CFP®
Senior Vice President, Wealth Management,
Senior Institutional Consultant,
Investing with Impact Director
Direct:
(925) 822-7448(925) 822-7448
My Mission Statement
We focus on helping you protect your financial well-being and the stability and success of your organization so you can focus on your mission, the community you serve and those you care about most.
Thoughtful Preparation for the Path Ahead
Whether preparing for a mountain ascent or making an important financial decision, the same principles apply: understand the terrain, prepare, carefully, and manage risk at every step. That thoughtful discipline shapes how we work with affluent individuals and multigenerational families, as well as nonprofit organizations, foundations, and endowments.
For individuals and families, we take the time to understand what matters most—the life you have built, the people you care about, the complexity of your wealth, and the legacy you hope to leave. We then bring together planning, investment management, and the resources of Morgan Stanley to help you make informed decisions today and as circumstances evolve.
For nonprofit organizations, foundations, and endowments, we understand that investment decisions affect more than the portfolio—they help support the programs, people, and communities each organization is committed to serving. Drawing on Kevin’s decades of nonprofit experience, we work with leadership teams, boards, and investment committees on investment policy, portfolio design and implementation, governance, spending and liquidity considerations, and long-term stewardship—keeping each organization’s mission at the center of the conversation.
For individuals and families, we take the time to understand what matters most—the life you have built, the people you care about, the complexity of your wealth, and the legacy you hope to leave. We then bring together planning, investment management, and the resources of Morgan Stanley to help you make informed decisions today and as circumstances evolve.
For nonprofit organizations, foundations, and endowments, we understand that investment decisions affect more than the portfolio—they help support the programs, people, and communities each organization is committed to serving. Drawing on Kevin’s decades of nonprofit experience, we work with leadership teams, boards, and investment committees on investment policy, portfolio design and implementation, governance, spending and liquidity considerations, and long-term stewardship—keeping each organization’s mission at the center of the conversation.
Services Include
- Professional Portfolio ManagementFootnote1
- Endowments and FoundationsFootnote2
- Sustainable InvestingFootnote3
- Philanthropic ManagementFootnote4
- Donor Advised Funds
- Financial PlanningFootnote5
- Planning for Individuals with Special Needs
- Trust ServicesFootnote6
- Business Succession PlanningFootnote7
- Alternative InvestmentsFootnote8
- Estate Planning StrategiesFootnote9
- Art AdvisoryFootnote10
Securities Agent: DE, ID, AK, OR, NC, GA, FL, IN, IL, WA, NJ, MA, DC, CO, AR, AL, TN, PA, NV, RI, NY, MO, MI, CT, WY, VA, TX, SC, MD, HI, CA, AZ, NM, KY, WI, OH, ME; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2495121
NMLS#: 2495121
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
PURSUING YOUR GOALS TOGETHER
Meaningful advice begins with understanding the people we serve, what matters most to them, and the responsibilities they carry—whether we are advising a family or an organization. We take the time to listen, bring the relevant parts of the financial picture into clearer view, and develop a planning and investment strategy designed to evolve as circumstances change.
Understanding What Matters Most
We spend time getting to know you—the priorities you have for your wealth or organization, the concerns you want to address, and the future you are working toward. Detailed conversations help us provide advice grounded in your circumstances, not only your accounts.
Bringing The Full Picture Together
For families, that may include assets, liabilities, cash flow, estate planning considerations and multigenerational priorities. For organizations, it may include investment policy, spending, liquidity, governance, and mission. Viewing the relevant elements together helps create a clearer foundation for decisions.
Aligning Strategy With Goals
We develop portfolio strategies around your objectives, time horizon, liquidity needs, and tolerance or capacity for risk. Manager selection, due diligence, and ongoing performance monitoring are informed by Kevin’s more than 30 years of experience and Morgan Stanley’s investment research and global resources.
WORKING WITH INDIVIDUALS AND FAMILIES
Climbing the world's tallest mountains requires a clear route, thoughtful preparation, and the discipline to adjust as conditions change. Your financial life deserves the same care. We strive to help affluent individuals and multigenerational families bring investments, planning risk, liquidity, and legacy considerations together in a strategy shaped around where they are today and where they want to go.
A Comprehensive Wealth Strategy
We begin by understanding your goals, concerns, family priorities, and the decisions ahead. From there, we help develop a coordinated wealth management strategy that may include financial planning, investment management, retirement, cash flow, liabilities, insurance, and estate planning considerations. Each element is evaluated in the context of your broader life—not in isolation.
Guidance That Evolves With You
Implementation is the beginning not the end, We review progress, maintain consistent communication, and revisit the strategy as markets, tax laws, family circumstances, or priorities change. When appropriate, we coordinate with your outside tax and legal advisors to help keep related decisions aligned and moving forward.
Experience For Complex and Multigenerational Wealth
Kevin's CFP®, CPWA®, and CIMA® designations reflect training in comprehensive financial planning, the multidimensional needs of high-net-worth clients, and portfolio construction for individual and institutional investors. That experience can be particularly relevant when families are coordinating decisions across generations, preparing heirs, evaluating philanthropic goals, or working with outside tax and legal advisors.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board's initial and ongoing certification requirements.
UNDERSTANDING THE RESPONSIBILITY YOU CARRY
Nonprofit investment assets exist to support a larger purpose. Behind every decision about policy, risk, liquidity, or spending are the programs, people, and communities your organization serves. For board members, leadership teams, and investment committees, that makes investment oversight both a financial responsibility and a deeply human one.
Since 1994, Kevin Sánchez has worked alongside nonprofit organizations, foundations, and endowments. Together with the Bay Area Wealth Management Group team, he brings decades of nonprofit experience, coordinated investment oversight, and access to the resources of Mogan Stanley. We begin by listening carefully to understand your mission, financial resources, funding needs, existing policies, governance structure, and the perspectives of those responsible for oversight.
Those responsibilities often raise important questions:
- Does our Investment Policy Statement clearly reflect our investment objectives, risk tolerance, liquidity and spending needs, governance roles, and decision-making responsibilities
- Is our portfolio strategy aligned with both current obligations and our long-term mission?
- Are board members and the investment committee receiving the reporting, education, and context they need to participate meaningfully?
- How will we preserve continuity as markets, leadership, and committee membership change?
A Disciplined, Collaborative Approach
Kevin and the team help leadership, boards, and investment committees create a clear foundation for decisions through investment policy and governance, portfolio design and oversight, committee education, relevant reporting and disciplined follow-through. Our role is to be a prepared, accessible resource—helping leaders understand what has changed, what it may mean, and which decisions deserve their attention.
Key Areas of Focus:
Endowment Management
An endowment strategy should reflect how the assets are expected to support the organization over time. We consider investment objectives, risk, liquidity, spending needs, governance, and mission-related priorities together—then support the strategy through periodic policy review, portfolio monitoring, and clear reporting as circumstances evolve.
Spending and Liquidity Considerations
Near-term programs and obligations can place different demands on investment assets than long-term objectives. Evaluating spending requirements and liquidity needs alongside portfolio strategy can help leadership prepare for expected cash flows, while keeping both current responsibilities and the organization's enduring mission in view.
Insights & Resources
Good decisions often begin with the right perspective. This collection brings together selected insights and resources for individuals and multigenerational families, nonprofit leaders, boards, and investment committees—offering a focused starting point for questions involving family wealth, charitable giving, investment oversight, governance, sustainability, markets, and cybersecurity.
For Individuals & Multigenerational Families
Resources to help families navigate estate planning, conversations about wealth across generations, and thoughtful charitable giving.
For Nonprofit Leaders, Boards & Investment Committees
Research and perspectives on portfolio strategy, liquidity, governance, spending, and sustainable and impact investing.
Perspectives for All Clients
Timely perspectives and practical resources to help clients stay informed about markets, portfolio considerations, and protecting their financial lives online.
Location
1333 N California Blvd
Suite 133
Walnut Creek, CA 94596
US
Direct:
(925) 822-7448(925) 822-7448
Meet My Team
Nina Chung
Vice President, Group Director
Phone:
(925) 746-2953(925) 746-2953
Ashley DeBenedetti
Wealth Management Associate
Phone:
(925) 746-2910(925) 746-2910
Luke McKernan
Registered Client Service Associate, Financial Planning Specialist*
Phone:
(925) 746-2978(925) 746-2978
Ledia Gesses
Client Service Associate
Phone:
(925) 746-2946(925) 746-2946
About Kevin Sanchez
Kevin M. Sánchez, CIMA®, CPWA®, CFP®
Senior Vice President–Investments | Senior Institutional Consultant | Investing with Impact Director
The focus area of Kevin’s practice since 1994 is strategizing with boards of non-profit organizations, foundations, and endowments in the creation of prudent investment policies, portfolio design and implementation. He is also experienced in a broad range of comprehensive wealth management strategies for affluent families, including development of multigenerational wealth strategies, coordinating effort across clients outside tax and legal advisors, and comprehensive portfolio performance monitoring.
Highly responsive to client needs, Kevin ‘s detailed approach helps cultivate exceptional, long-lasting relationships. He built his practice upon the shared vision of excellence, critical thinking, and discipline.
Kevin earned his M.B.A. in Finance with honors from the University of Oregon’s Lundquist School of Business. He holds a B.S. from the University of Oregon, graduating cum laude with a triple major in Finance, Management and Marketing. He earned the Certified Investment Management Analyst (CIMA®) and the Certified Private Wealth Advisor (CPWA®) designations under the joint auspices of the Wharton School of Business, Chicago Booth School of Business and the Investments and Wealth Institute (IWI).
Kevin is deeply committed to enhancing community well-being through his extensive involvement in both the arts and financial education. As a long-standing Board member of the Diablo Regional Arts Association, he has been instrumental in fostering inclusive arts experiences at the Lesher Center for the Arts. Beyond the arts, Kevin is on the Board of Reflect Kindness, an organization that provides urgent care funding for families in need. In the financial sector, Kevin's leadership as a past Board President of the Investments & Wealth Institute (IWI) underscores his commitment to advancing professional standards and continuing education for financial advisors, reinforcing a culture of lifelong learning and integrity.
In My Own Words
In life, it’s crucial to find your passion.
Something meaningful that speaks to you.
Leave a legacy…
For me, that means serving as a trusted advisor to nonprofit organizations and climbing the tallest mountains worldwide. I’ve taken on the challenge of conquering the Seven Summits, the highest peak on each continent. To date, I’ve summited five, and my goal is to reach my final summits, Denali & Mt. Everest, by 2028.
Both my profession and my mountaineering pursuits share a common thread: setting ambitious goals and meticulously preparing to achieve them. In both realms, I focus on mitigating risks and planning for every possible scenario. This approach is crucial in both investing and mountain climbing, where success depends on addressing potential pitfalls upfront.
For me, this isn’t just a job—it’s my calling. It’s about the deep connections I form with my relationships. I love being the person they trust to help their organizations achieve their philanthropic dreams. There’s immense satisfaction in seeing the positive impact that nonprofits have on their communities. Attending their events and witnessing their passion for making a difference brings me great joy.
Using my experience in investment management to support nonprofits in their mission to enhance their communities is my greatest reward. It’s incredibly fulfilling to know that my work contributes to their success and the betterment of society.
Securities Agent: TX, WA, NJ, MA, DC, CO, AR, AL, TN, PA, NV, RI, NY, MO, MI, CT, WY, VA, SC, MD, HI, CA, AZ, NM, KY, WI, OH, DE, ID, AK, OR, NC, GA, FL, IN, IL; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2495121
Senior Vice President–Investments | Senior Institutional Consultant | Investing with Impact Director
The focus area of Kevin’s practice since 1994 is strategizing with boards of non-profit organizations, foundations, and endowments in the creation of prudent investment policies, portfolio design and implementation. He is also experienced in a broad range of comprehensive wealth management strategies for affluent families, including development of multigenerational wealth strategies, coordinating effort across clients outside tax and legal advisors, and comprehensive portfolio performance monitoring.
Highly responsive to client needs, Kevin ‘s detailed approach helps cultivate exceptional, long-lasting relationships. He built his practice upon the shared vision of excellence, critical thinking, and discipline.
Kevin earned his M.B.A. in Finance with honors from the University of Oregon’s Lundquist School of Business. He holds a B.S. from the University of Oregon, graduating cum laude with a triple major in Finance, Management and Marketing. He earned the Certified Investment Management Analyst (CIMA®) and the Certified Private Wealth Advisor (CPWA®) designations under the joint auspices of the Wharton School of Business, Chicago Booth School of Business and the Investments and Wealth Institute (IWI).
Kevin is deeply committed to enhancing community well-being through his extensive involvement in both the arts and financial education. As a long-standing Board member of the Diablo Regional Arts Association, he has been instrumental in fostering inclusive arts experiences at the Lesher Center for the Arts. Beyond the arts, Kevin is on the Board of Reflect Kindness, an organization that provides urgent care funding for families in need. In the financial sector, Kevin's leadership as a past Board President of the Investments & Wealth Institute (IWI) underscores his commitment to advancing professional standards and continuing education for financial advisors, reinforcing a culture of lifelong learning and integrity.
In My Own Words
In life, it’s crucial to find your passion.
Something meaningful that speaks to you.
Leave a legacy…
For me, that means serving as a trusted advisor to nonprofit organizations and climbing the tallest mountains worldwide. I’ve taken on the challenge of conquering the Seven Summits, the highest peak on each continent. To date, I’ve summited five, and my goal is to reach my final summits, Denali & Mt. Everest, by 2028.
Both my profession and my mountaineering pursuits share a common thread: setting ambitious goals and meticulously preparing to achieve them. In both realms, I focus on mitigating risks and planning for every possible scenario. This approach is crucial in both investing and mountain climbing, where success depends on addressing potential pitfalls upfront.
For me, this isn’t just a job—it’s my calling. It’s about the deep connections I form with my relationships. I love being the person they trust to help their organizations achieve their philanthropic dreams. There’s immense satisfaction in seeing the positive impact that nonprofits have on their communities. Attending their events and witnessing their passion for making a difference brings me great joy.
Using my experience in investment management to support nonprofits in their mission to enhance their communities is my greatest reward. It’s incredibly fulfilling to know that my work contributes to their success and the betterment of society.
Securities Agent: TX, WA, NJ, MA, DC, CO, AR, AL, TN, PA, NV, RI, NY, MO, MI, CT, WY, VA, SC, MD, HI, CA, AZ, NM, KY, WI, OH, DE, ID, AK, OR, NC, GA, FL, IN, IL; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2495121
Securities Agent: DE, ID, AK, OR, NC, GA, FL, IN, IL, WA, NJ, MA, DC, CO, AR, AL, TN, PA, NV, RI, NY, MO, MI, CT, WY, VA, TX, SC, MD, HI, CA, AZ, NM, KY, WI, OH, ME; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2495121
NMLS#: 2495121
About Nina Chung
With over25 years of experience in the financial services industry, Nina plays a central role in ensuring the strength and efficiency of the Bay Area Wealth Management team at Morgan Stanley. As Vice President and Group Director, Nina is responsible for the day-to-day operations and strategic coordination that allow the team to deliver exceptional service to every client.
Working closely with both financial advisors and clients to oversee onboarding, service workflows, compliance, and communication, Nina ensures that nothing falls through the cracks. Her deep industry knowledge, steady leadership, and attention to detail help maintain the team’s high-touch service model and reinforce client trust at every step of the relationship. She is often the first point of contact for clients with time-sensitive needs and plays a key role in making sure each client’s experience is smooth, responsive, and personalized.
Nina holds a B.A. in Economics from the University of California, Santa Cruz. She lives in the Bay Area with her husband and enjoys visiting the wine country spending time with her nieces and nephews, cheering for the Golden State Warriors, staying active with CrossFit, and relaxing with her beloved kitties. Nina is an active supporter of 13th Street Cat Rescue in San Jose and Community Concern for Cats in Walnut Creek.
If you have any questions or need assistance, you can reach Nina directly at:
Nina.Chung@morganstanley.com
(925) 746-2953
Working closely with both financial advisors and clients to oversee onboarding, service workflows, compliance, and communication, Nina ensures that nothing falls through the cracks. Her deep industry knowledge, steady leadership, and attention to detail help maintain the team’s high-touch service model and reinforce client trust at every step of the relationship. She is often the first point of contact for clients with time-sensitive needs and plays a key role in making sure each client’s experience is smooth, responsive, and personalized.
Nina holds a B.A. in Economics from the University of California, Santa Cruz. She lives in the Bay Area with her husband and enjoys visiting the wine country spending time with her nieces and nephews, cheering for the Golden State Warriors, staying active with CrossFit, and relaxing with her beloved kitties. Nina is an active supporter of 13th Street Cat Rescue in San Jose and Community Concern for Cats in Walnut Creek.
If you have any questions or need assistance, you can reach Nina directly at:
Nina.Chung@morganstanley.com
(925) 746-2953
About Ashley DeBenedetti
Ashley brings more than 15 years of experience in financial services to her role as Wealth Management Associate at Bay Area Wealth Management at Morgan Stanley. A graduate of California State University, Chico, with a B.A. in Marketing, Ashley is known for her poise, discretion, and deep commitment to client care.
As a senior member of the team, Ashley is a trusted resource for both clients and advisors. She plays a critical role in delivering the team’s high-touch service model—ensuring that clients receive timely, personalized, and thoughtful support. Her ability to anticipate needs, solve problems, and build lasting relationships makes her an integral part of the client experience.
A Bay Area native, Ashley enjoys spending time with her husband and two daughters in Lake Tahoe. Most weekends, you’ll find her cheering on her daughters at their sporting events.
If you have any questions or need assistance, you can reach Ashley directly at:
Ashley.DeBenedetti@morganstanley.com
(925) 746-2910
As a senior member of the team, Ashley is a trusted resource for both clients and advisors. She plays a critical role in delivering the team’s high-touch service model—ensuring that clients receive timely, personalized, and thoughtful support. Her ability to anticipate needs, solve problems, and build lasting relationships makes her an integral part of the client experience.
A Bay Area native, Ashley enjoys spending time with her husband and two daughters in Lake Tahoe. Most weekends, you’ll find her cheering on her daughters at their sporting events.
If you have any questions or need assistance, you can reach Ashley directly at:
Ashley.DeBenedetti@morganstanley.com
(925) 746-2910
About Luke McKernan
Born and raised in the San Francisco Bay Area, Luke McKernan is a Registered Client Service Associate and Financial Planning Specialist* with Morgan Stanley’s Bay Area Wealth Management team. He works closely with the team’s Financial Advisors to help provide a seamless client experience by responding to client requests, coordinating day-to-day operational needs, and assisting with account opening and ongoing service.
Luke earned Morgan Stanley’s Financial Planning Specialist designation, reflecting knowledge of the fundamentals of wealth accumulation and wealth management for high net worth individuals. This additional expertise strengthens his ability to support the team’s financial planning process and provide informed, coordinated client service. He also holds FINRA Series 7 and Series 66 registrations.
Luke earned his B.S. in Business Administration, with a concentration in Financial Management, from California Polytechnic State University, San Luis Obispo, where he played on the university’s rugby team for four years.
Outside of work, he enjoys golf, hiking, traveling, and spending time with family and friends. A lifelong Bay Area sports fan, he proudly supports his hometown teams.
If you have any questions or immediate concerns, please contact Luke directly at: Luke.Mckernan@morganstanley.com
(925) 746-2978
*Disclaimer: This role cannot solicit or provide investment advice
Luke earned Morgan Stanley’s Financial Planning Specialist designation, reflecting knowledge of the fundamentals of wealth accumulation and wealth management for high net worth individuals. This additional expertise strengthens his ability to support the team’s financial planning process and provide informed, coordinated client service. He also holds FINRA Series 7 and Series 66 registrations.
Luke earned his B.S. in Business Administration, with a concentration in Financial Management, from California Polytechnic State University, San Luis Obispo, where he played on the university’s rugby team for four years.
Outside of work, he enjoys golf, hiking, traveling, and spending time with family and friends. A lifelong Bay Area sports fan, he proudly supports his hometown teams.
If you have any questions or immediate concerns, please contact Luke directly at: Luke.Mckernan@morganstanley.com
(925) 746-2978
*Disclaimer: This role cannot solicit or provide investment advice
About Ledia Gesses
Ledia is a Client Service Associate with the Bay Area Wealth Management Group at Morgan Stanley. She joined the group in April 2026, and brings a strong foundation in economics and finance, along with a thoughtful, client-first mindset and a commitment to delivering an organized, responsive, and seamless service experience.
She earned her B.A. in Economics from Claremont McKenna College, graduating with honors including QuestBridge and McKenna Scholar. She complements her academic training with experience conducting competitive market analysis, developing clear, executive-ready communications, and strengthening internal workflows and reporting processes.
Outside of work, Ledia enjoys soccer, pickleball, and reformer Pilates. A Bay Area native, she enjoys exploring local restaurants with friends. She serves as a youth leader at her local church, where she mentors high school and college students and supports them through the college application process.
If you have any questions or immediate concerns, please contact Ledia directly at
Ledia.Gesses@morganstanley.com
(925) 746-2946
She earned her B.A. in Economics from Claremont McKenna College, graduating with honors including QuestBridge and McKenna Scholar. She complements her academic training with experience conducting competitive market analysis, developing clear, executive-ready communications, and strengthening internal workflows and reporting processes.
Outside of work, Ledia enjoys soccer, pickleball, and reformer Pilates. A Bay Area native, she enjoys exploring local restaurants with friends. She serves as a youth leader at her local church, where she mentors high school and college students and supports them through the college application process.
If you have any questions or immediate concerns, please contact Ledia directly at
Ledia.Gesses@morganstanley.com
(925) 746-2946
Wealth Management
Global Investment Office
Portfolio Insights
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
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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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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Ready to start a conversation? Contact Kevin M. Sanchez today.
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.
1Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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 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.
3Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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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.
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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 and other legal matters.
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10Products 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.
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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.
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Awards Disclosures | Morgan Stanley
1Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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 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.
3Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
4Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan 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.
6Morgan 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.
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 and other legal matters.
7Morgan 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.
8Alternative 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.
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.
10Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley does not assist with buying or selling art in any way and merely provides information to clients interested learning more about the different types of art markets at a high level. Any client interested in buying or selling art should consult with their own independent art advisor.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
