Kevin Kielt, CFP®
Financial Advisor, Senior Vice President, Wealth Management, Workplace Advisor - Equity Compensation
Phone:
(617) 570-2901(617) 570-2901
Kielt Ullo Schaeffer & Associates at Morgan Stanley
Direct:
(617) 570-2904(617) 570-2904
Our Mission Statement
We are incredibly proud of the relationships we have with our clients and are grateful for the trust they place in each of us. Wealth brings complexity, and we want clients to value the dedication and diligence we provide at each step of the wealth management process.
Our Story and Services
Kielt Ullo Schaeffer & Associates works closely with successful families, business owners, and corporate executives to help take steps needed to achieve the goals that matter most to them.
We always start by listening. Our process begins with understanding your goals and objectives. We work with you to develop a personalized financial strategy and then continue the conversation with regular reviews and updates. As you experience inevitable changes to your circumstance, we strive to maintain the flexibility needed to adapt your plan accordingly.
Through our experience, we have encountered many complicated, unique circumstances. As a team of 6 members, we strive to help add simplicity and transparency to the complexities of your financial life with exceptional client care and service.
How We Can Help
Workplace Advisor - Equity Compensation
Owning equity in the company you work for makes you more than an employee, it makes you a shareholder. Our clients understand that decisions they make around company stock and options are some of the most consequential they'll face in their financial life. We are part of a small group of Morgan Stanley advisors that have earned the designation of Workplace Advisor - Equity Compensation.
Our team has the experience, resources, and skills to help clients with high concentrations of wealth, especially with in-depth planning around 10b5-1 plans. After understanding your specific situation, we work with you on how to unite your equity compensation plan with your overall financial roadmap. Contact us here directly with the button above to start the conversation.
We always start by listening. Our process begins with understanding your goals and objectives. We work with you to develop a personalized financial strategy and then continue the conversation with regular reviews and updates. As you experience inevitable changes to your circumstance, we strive to maintain the flexibility needed to adapt your plan accordingly.
Through our experience, we have encountered many complicated, unique circumstances. As a team of 6 members, we strive to help add simplicity and transparency to the complexities of your financial life with exceptional client care and service.
How We Can Help
Workplace Advisor - Equity Compensation
Owning equity in the company you work for makes you more than an employee, it makes you a shareholder. Our clients understand that decisions they make around company stock and options are some of the most consequential they'll face in their financial life. We are part of a small group of Morgan Stanley advisors that have earned the designation of Workplace Advisor - Equity Compensation.
Our team has the experience, resources, and skills to help clients with high concentrations of wealth, especially with in-depth planning around 10b5-1 plans. After understanding your specific situation, we work with you on how to unite your equity compensation plan with your overall financial roadmap. Contact us here directly with the button above to start the conversation.
ADDING SIMPLICITY TO YOUR COMPLEX BENEFIT STRUCTURE
- Decisions you make around company stock and options may be among the most consequential in your life. We’re here to help you make sense of the complexity. Some questions you may have considered: • How well do I understand my equity compensation? Have I considered any strategies to maximize its value? • Should I be making different choices from my colleagues based on my specific situation and needs? • When the time comes to part ways with my company, how should I plan for that transition?
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Approach
As Certified Financial Planners (CFP) our group focuses on providing comprehensive wealth management and financial planning services to a select group of clients based in both New England and across the country. Our holistic approach to the planning process incorporates all aspects of your financial life to truly understand the best way to make your assets work for you.
Our process begins with you, your investment objectives, and your financial goals. We start by taking the time to ask hard questions and to listen carefully, then to understand exactly where your wealth stands today and where you’d like it to be tomorrow. Holistic in its approach, it may encompass all the elements of your financial life – your investments and your cash management needs – seeking to make sure they align with your goals and financial plan.
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your needs. In our experience, we have developed a step-by-step approach to service.
Our process begins with you, your investment objectives, and your financial goals. We start by taking the time to ask hard questions and to listen carefully, then to understand exactly where your wealth stands today and where you’d like it to be tomorrow. Holistic in its approach, it may encompass all the elements of your financial life – your investments and your cash management needs – seeking to make sure they align with your goals and financial plan.
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your needs. In our experience, we have developed a step-by-step approach to service.
Step 1: Discovery Process
We take the time to fully understand you and your family - whether you're planning for retirement, purchasing a new home, or living out your golden years - we consider all of your challenges, goals, and aspirations when building your financial picture.
Step 2: Forming Your Strategy
Using your life goals as our compass, we create a risk-balanced strategy which maps a clear path to achieving your success.
Step 3: Implementing Your Plan
We apply extensive research and analysis, and utilize Morgan Stanley's full suite of resources, to ensure swift decisive action in various market scenarios.
Step 4: Measuring Your Success
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards or away from your goals. Our ultimate mission is your success and well-being.
Kevin Kielt, CFP®
Kevin is a Financial Advisor, and a founding member of Kielt Ullo Schaeffer & Associates. Drawing on 17 years of experience in the financial service industry, Kevin looks to simplify the complexity in his client's financial lives and remove their stress caused by money.
Kevin began his career as a Client Associate at Merrill Lynch before becoming a Financial Advisor. This path helped lay the foundation for a deeper understanding of the wealth management industry and fueled a passion to engage directly with individuals and families.
Kevin graduated from Boston University with a bachelor’s degree in business administration. During his time at BU, he was a member of the Division 1 men’s ice hockey team. Kevin remains an active participant within the BU community, specifically in the athletic department and alumni relations. He resides in Lynnfield, MA with his wife Angie, sons Landon and Brayden, and daughter Kensie. Outside of the office, Kevin enjoys coaching his children's various sporting events, golfing and spending time with family and friends.
Kevin began his career as a Client Associate at Merrill Lynch before becoming a Financial Advisor. This path helped lay the foundation for a deeper understanding of the wealth management industry and fueled a passion to engage directly with individuals and families.
Kevin graduated from Boston University with a bachelor’s degree in business administration. During his time at BU, he was a member of the Division 1 men’s ice hockey team. Kevin remains an active participant within the BU community, specifically in the athletic department and alumni relations. He resides in Lynnfield, MA with his wife Angie, sons Landon and Brayden, and daughter Kensie. Outside of the office, Kevin enjoys coaching his children's various sporting events, golfing and spending time with family and friends.
Anthony Ullo, CFP®, CRPC®
Anthony is a Financial Advisor and a founding member of Kielt Ullo Schaeffer & Associates. With over a decade of experience in the financial services industry, Anthony’s objective is to be the primary source for financial advice and guidance. Anthony began his career at Merrill Lynch before his teamed joined Morgan Stanley in 2023.
In 2015, Anthony obtained the Certified Financial Planner™ designation, a milestone achievement in his career. During his tenure at Merrill Lynch, he spent 3-years as a Coordinator for the advisor training program, helping to mentor newer advisors.
Anthony is a graduate of the Manning School of Business at the University of Massachusetts Lowell and was also a captain of the Division II Men’s Golf team. Anthony resides in Concord, MA with his wife Erica, son CJ and dog Samantha. Outside of the office, he enjoys golfing, skiing, spending time with family and friends and volunteering as a certified pet therapy team with their dog Samantha.
In 2015, Anthony obtained the Certified Financial Planner™ designation, a milestone achievement in his career. During his tenure at Merrill Lynch, he spent 3-years as a Coordinator for the advisor training program, helping to mentor newer advisors.
Anthony is a graduate of the Manning School of Business at the University of Massachusetts Lowell and was also a captain of the Division II Men’s Golf team. Anthony resides in Concord, MA with his wife Erica, son CJ and dog Samantha. Outside of the office, he enjoys golfing, skiing, spending time with family and friends and volunteering as a certified pet therapy team with their dog Samantha.
Kevin Schaeffer, CFP®
Kevin is a Financial Advisor and the third member of Kielt Ullo Schaeffer & Associates. Kevin advises clients in multiple areas of wealth management, including: retirement income planning, investment management, estate planning strategies, as well as Cash Management and Lending Solutions through Morgan Stanley Private Bank.
Kevin began his career in the financial services industry at Putnam Investments. As a part of this role, he worked with top wealth management teams as a consultant positioning investment solutions and building client portfolios. This period kindled a deep desire to engage directly with individuals and families, guiding them toward financial success through personalized, goal-based strategies.
Kevin graduated from Boston University, where he was a member of the Division 1 men’s hockey team. While at BU, he was fortunate enough to be selected by the Nashville Predators in the 2004 NHL Entry Draft. After graduation, Kevin enjoyed a four-year professional hockey career before moving into the financial services industry. Kevin resides in Charlestown, MA with his wife Stephanie and enjoys being active, and spending time with family and friends. He also remains active within the BU Hockey community and various philanthropic efforts.
Kevin began his career in the financial services industry at Putnam Investments. As a part of this role, he worked with top wealth management teams as a consultant positioning investment solutions and building client portfolios. This period kindled a deep desire to engage directly with individuals and families, guiding them toward financial success through personalized, goal-based strategies.
Kevin graduated from Boston University, where he was a member of the Division 1 men’s hockey team. While at BU, he was fortunate enough to be selected by the Nashville Predators in the 2004 NHL Entry Draft. After graduation, Kevin enjoyed a four-year professional hockey career before moving into the financial services industry. Kevin resides in Charlestown, MA with his wife Stephanie and enjoys being active, and spending time with family and friends. He also remains active within the BU Hockey community and various philanthropic efforts.
Anne McLister
Anne is the Business Development Director for Kielt Ullo Schaeffer & Associates. With over 30 years of varied financial industry experience, Anne draws upon a wide range of knowledge allowing her to guide clients through complex issues surrounding the growth and preservation of their wealth. She thoroughly enjoys building relationships and working with clients to make their lives easier. Anne began her career in the operations department at Josephthal & Co. She then spent almost 30 years at Merrill Lynch where she held multiple roles before transitioning with the team to Morgan Stanley. Anne holds her Series 7, Series 66, Series 63, and Financial Planning Specialist Certification.
Anne attended Franklin Pierce University where she studied Psychology. She grew up in Rhode Island and currently resides in Ipswich, MA with her fiancé, Peter, her cat, Gibbs and her dog, Bailey. Outside of work she enjoys spending time with family, traveling, the beach, live music and reading.
Anne attended Franklin Pierce University where she studied Psychology. She grew up in Rhode Island and currently resides in Ipswich, MA with her fiancé, Peter, her cat, Gibbs and her dog, Bailey. Outside of work she enjoys spending time with family, traveling, the beach, live music and reading.
Justin Dernoga
Justin is a Registered Client Service Associate with Kielt Ullo Schaeffer & Associates. He supports clients in addressing both their day-to-day needs and long-term financial goals. He specializes in insurance solutions for the team and holds his Series 7, Series 66, and Financial Planning Specialist certification. Before joining the team in May 2024, Justin was a Summer Analyst and Financial Solutions Advisor at Merrill Lynch.
Justin graduated from Providence College in 2023 with a bachelor’s degree in finance and a minor in theology. Originally from Taunton, MA, he now lives in South Boston. Outside of work, he enjoys fishing, playing the mandolin, and hiking. He is also an avid supporter of Everton FC, the USMNT, and Friars basketball.
Justin graduated from Providence College in 2023 with a bachelor’s degree in finance and a minor in theology. Originally from Taunton, MA, he now lives in South Boston. Outside of work, he enjoys fishing, playing the mandolin, and hiking. He is also an avid supporter of Everton FC, the USMNT, and Friars basketball.
Mackenzie Howe
Mackenzie is a Registered Client Service Associate with Kielt Ullo Schaeffer & Associates. She shares in the day-to-day operations and administrative needs of our clients, and specializes in alternative investments and marketing for the team. Prior to joining the team in October 2024, Mackenzie began her career as a Registered Client Service Associate at Oppenheimer & Co., Inc., where she obtained her Series 7 and Series 66 licenses.
Mackenzie graduated from Boston University in 2020, with a bachelor’s degree in business administration and a concentration in finance. While attending BU, she was also a member of the Division 1 women’s lacrosse team. Mackenzie grew up in New Hampshire, and currently resides in Dorchester, MA. Outside of work, she enjoys coaching lacrosse, attending workout classes, reading at the beach, and walking her mini dachshund, Pickle.
Mackenzie graduated from Boston University in 2020, with a bachelor’s degree in business administration and a concentration in finance. While attending BU, she was also a member of the Division 1 women’s lacrosse team. Mackenzie grew up in New Hampshire, and currently resides in Dorchester, MA. Outside of work, she enjoys coaching lacrosse, attending workout classes, reading at the beach, and walking her mini dachshund, Pickle.
Designations & Accolades
Kevin Kielt Named to Forbes Best-In-State Wealth Advisors 2025
Forbes Best-In-State Wealth Advisors 2025
Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23-6/30/24.
Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23-6/30/24.
Kielt Ullo Schaeffer & Associates Named to Forbes Best-In-State Wealth Management Teams 2023
Forbes America’s Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Kevin Kielt Named to Forbes Best-In-State Next-Generation Wealth Advisors 2022
Forbes Best-In-State Next-Generation Wealth Advisors 2022
Source: Forbes.com (Awarded Aug 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Source: Forbes.com (Awarded Aug 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
CERTIFIED FINANCIAL PLANNER® (Kevin Kielt, Anthony Ullo, Kevin Schaeffer)
Individuals certified by the CFP® Board have taken the extra step to demonstrate commitment and professionalism by voluntarily submitting to the rigorous CFP® certification process that includes demanding education, examination, experience, and ethical requirements
Chartered Retirement Planning Counselor® (Anthony Ullo)
The CRPC® is a professional designation awarded to advisors that successfully demonstrate proficiency on retirement planning for individuals, especially in areas of pre- and post-retirement needs, as well as issues related to asset management and estate planning.
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Direct:
(617) 570-2904(617) 570-2904
Meet Kielt Ullo Schaeffer & Associates
Anthony Ullo, CFP®, CRPC®
Financial Advisor, Senior Vice President, Wealth Management, Workplace Advisor - Equity Compensation, Portfolio Management Director
Phone:
(617) 570-2902(617) 570-2902
Kevin Schaeffer, CFP®
Financial Advisor, Vice President, Wealth Management, Workplace Advisor - Equity Compensation
Phone:
(617) 570-2903(617) 570-2903
Anne McLister
Assistant Vice President, Business Development Director
Phone:
(617) 570-2904(617) 570-2904
Justin Dernoga
Registered Client Service Associate
Phone:
(617) 570-2905(617) 570-2905
Mackenzie Howe
Registered Client Service Associate
Phone:
(617) 570-2906(617) 570-2906
About Me
Kevin is a Financial Advisor, and a founding member of Kielt Ullo Schaeffer & Associates. Drawing on 17 years of experience in the financial service industry, Kevin looks to simplify the complexity in his client's financial lives and remove their stress caused by money.
Kevin began his career as a Client Associate at Merrill Lynch before becoming a Financial Advisor. This path helped lay the foundation for a deeper understanding of the wealth management industry and fueled a passion to engage directly with individuals and families.
Kevin graduated from Boston University with a bachelor’s degree in business administration. During his time at BU, he was a member of the Division 1 men’s ice hockey team. Kevin remains an active participant within the BU community, specifically in the athletic department and alumni relations. He resides in Lynnfield, MA with his wife Angie, sons Landon and Brayden, and daughter Kensie. Outside of the office, Kevin enjoys coaching his children's various sporting events, golfing and spending time with family and friends.
Kevin began his career as a Client Associate at Merrill Lynch before becoming a Financial Advisor. This path helped lay the foundation for a deeper understanding of the wealth management industry and fueled a passion to engage directly with individuals and families.
Kevin graduated from Boston University with a bachelor’s degree in business administration. During his time at BU, he was a member of the Division 1 men’s ice hockey team. Kevin remains an active participant within the BU community, specifically in the athletic department and alumni relations. He resides in Lynnfield, MA with his wife Angie, sons Landon and Brayden, and daughter Kensie. Outside of the office, Kevin enjoys coaching his children's various sporting events, golfing and spending time with family and friends.
Securities Agent: CO, SC, PA, AZ, OR, NE, MN, IN, GA, OH, NY, AL, TN, RI, NJ, WA, MI, MD, IL, MA, CA, VA, TX, NM, NC, MO, HI, DC, WI, NH, VT, MS, CT, ME, IA, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 652377
NMLS#: 652377
About Me
Anthony is a Financial Advisor and a founding member of Kielt Ullo Schaeffer & Associates. With over a decade of experience in the financial services industry, Anthony’s objective is to be the primary source for financial advice and guidance. Anthony began his career at Merrill Lynch before his teamed joined Morgan Stanley in 2023.
In 2015, Anthony obtained the Certified Financial Planner™ designation, a milestone achievement in his career. During his tenure at Merrill Lynch, he spent 3-years as a Coordinator for the advisor training program, helping to mentor newer advisors.
Anthony is a graduate of the Manning School of Business at the University of Massachusetts Lowell and was also a captain of the Division II Men’s Golf team. Anthony resides in Concord, MA with his wife Erica, son CJ and dog Samantha. Outside of the office, he enjoys golfing, skiing, spending time with family and friends and volunteering as a certified pet therapy team with their dog Samantha.
In 2015, Anthony obtained the Certified Financial Planner™ designation, a milestone achievement in his career. During his tenure at Merrill Lynch, he spent 3-years as a Coordinator for the advisor training program, helping to mentor newer advisors.
Anthony is a graduate of the Manning School of Business at the University of Massachusetts Lowell and was also a captain of the Division II Men’s Golf team. Anthony resides in Concord, MA with his wife Erica, son CJ and dog Samantha. Outside of the office, he enjoys golfing, skiing, spending time with family and friends and volunteering as a certified pet therapy team with their dog Samantha.
Securities Agent: WA, CT, AL, TN, SC, OR, OH, MN, VA, PA, NM, NC, HI, GA, FL, CO, NJ, IL, TX, MI, IN, CA, WI, RI, DC, NH, MO, NE, MA, ME, MD, AZ, VT, NY, MS; General Securities Representative; Investment Advisor Representative
NMLS#: 885960
NMLS#: 885960
About Me
Kevin is a Financial Advisor and the third member of Kielt Ullo Schaeffer & Associates. Kevin advises clients in multiple areas of wealth management, including: retirement income planning, investment management, estate planning strategies, as well as Cash Management and Lending Solutions through Morgan Stanley Private Bank.
Kevin began his career in the financial services industry at Putnam Investments. As a part of this role, he worked with top wealth management teams as a consultant positioning investment solutions and building client portfolios. This period kindled a deep desire to engage directly with individuals and families, guiding them toward financial success through personalized, goal-based strategies.
Kevin graduated from Boston University, where he was a member of the Division 1 men’s hockey team. While at BU, he was fortunate enough to be selected by the Nashville Predators in the 2004 NHL Entry Draft. After graduation, Kevin enjoyed a four-year professional hockey career before moving into the financial services industry. Kevin resides in Charlestown, MA with his wife Stephanie and enjoys being active, and spending time with family and friends. He also remains active within the BU Hockey community and various philanthropic efforts.
Kevin began his career in the financial services industry at Putnam Investments. As a part of this role, he worked with top wealth management teams as a consultant positioning investment solutions and building client portfolios. This period kindled a deep desire to engage directly with individuals and families, guiding them toward financial success through personalized, goal-based strategies.
Kevin graduated from Boston University, where he was a member of the Division 1 men’s hockey team. While at BU, he was fortunate enough to be selected by the Nashville Predators in the 2004 NHL Entry Draft. After graduation, Kevin enjoyed a four-year professional hockey career before moving into the financial services industry. Kevin resides in Charlestown, MA with his wife Stephanie and enjoys being active, and spending time with family and friends. He also remains active within the BU Hockey community and various philanthropic efforts.
Securities Agent: IL, FL, CT, IA, CO, TX, OH, ME, IN, PA, NJ, NH, MA, GA, OR, MI, AL, NY, MS, SC, NC, CA, WI, VA, NE, HI, DC, AZ, WA, VT, RI, NM, MD, TN, MO, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 1635888
NMLS#: 1635888
About Anne McLister
Anne is the Business Development Director for Kielt Ullo Schaeffer & Associates. With over 30 years of varied financial industry experience, Anne draws upon a wide range of knowledge allowing her to guide clients through complex issues surrounding the growth and preservation of their wealth. She thoroughly enjoys building relationships and working with clients to make their lives easier. Anne began her career in the operations department at Josephthal & Co. She then spent almost 30 years at Merrill Lynch where she held multiple roles before transitioning with the team to Morgan Stanley. Anne holds her Series 7, Series 66, Series 63, and Financial Planning Specialist Certification.
Anne attended Franklin Pierce University where she studied Psychology. She grew up in Rhode Island and currently resides in Ipswich, MA with her fiancé, Peter, her cat, Gibbs and her dog, Bailey. Outside of work she enjoys spending time with family, traveling, the beach, live music and reading.
Anne attended Franklin Pierce University where she studied Psychology. She grew up in Rhode Island and currently resides in Ipswich, MA with her fiancé, Peter, her cat, Gibbs and her dog, Bailey. Outside of work she enjoys spending time with family, traveling, the beach, live music and reading.
About Justin Dernoga
Justin is a Registered Client Service Associate with Kielt Ullo Schaeffer & Associates. He supports clients in addressing both their day-to-day needs and long-term financial goals. He specializes in insurance solutions for the team and holds his Series 7, Series 66, and Financial Planning Specialist certification. Before joining the team in May 2024, Justin was a Summer Analyst and Financial Solutions Advisor at Merrill Lynch.
Justin graduated from Providence College in 2023 with a bachelor’s degree in finance and a minor in theology. Originally from Taunton, MA, he now lives in South Boston. Outside of work, he enjoys fishing, playing the mandolin, and hiking. He is also an avid supporter of Everton FC, the USMNT, and Friars basketball.
Justin graduated from Providence College in 2023 with a bachelor’s degree in finance and a minor in theology. Originally from Taunton, MA, he now lives in South Boston. Outside of work, he enjoys fishing, playing the mandolin, and hiking. He is also an avid supporter of Everton FC, the USMNT, and Friars basketball.
About Mackenzie Howe
Mackenzie is a Registered Client Service Associate with Kielt Ullo Schaeffer & Associates. She
shares in the day-to-day operations and administrative needs of our clients, and specializes in alternative investments and marketing for the team. Prior to joining the team in October 2024, Mackenzie began her career as a Registered Client Service Associate at Oppenheimer & Co., Inc., where she obtained her Series 7 and Series 66 licenses.
Mackenzie graduated from Boston University in 2020, with a bachelor’s degree in business administration and a concentration in finance. While attending BU, she was also a member of the Division 1 women’s lacrosse team. Mackenzie grew up in New Hampshire, and currently resides in Dorchester, MA. Outside of work, she enjoys coaching lacrosse, attending workout classes, reading at the beach, and walking her mini dachshund, Pickle.
shares in the day-to-day operations and administrative needs of our clients, and specializes in alternative investments and marketing for the team. Prior to joining the team in October 2024, Mackenzie began her career as a Registered Client Service Associate at Oppenheimer & Co., Inc., where she obtained her Series 7 and Series 66 licenses.
Mackenzie graduated from Boston University in 2020, with a bachelor’s degree in business administration and a concentration in finance. While attending BU, she was also a member of the Division 1 women’s lacrosse team. Mackenzie grew up in New Hampshire, and currently resides in Dorchester, MA. Outside of work, she enjoys coaching lacrosse, attending workout classes, reading at the beach, and walking her mini dachshund, Pickle.
Contact Kevin Kielt
Contact Anthony Ullo
Contact Kevin Schaeffer
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CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When 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.
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 (“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.
7Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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)
