Ben Kirchoff
Managing Director, Wealth Management, Financial Advisor
Phone:
(618) 659-5762(618) 659-5762
Our Mission Statement
Comprehensive wealth planning strategies for your life and legacy.
Vision. Personalization. Clarity.
At the heart of our approach is a well-crafted plan. We take pride in deeply understanding your unique vision for the future. This understanding allows us to design and implement a tailored, comprehensive wealth strategy that aligns with your retirement, investment, and legacy aspirations.
Recognizing that your life is far from ordinary, we believe your investment strategy should be equally distinctive. Our clients are not confined to a one-size-fits-all model. We consider all your assets, regardless of their location, to create a personalized allocation strategy that emphasizes growth, income, capital preservation, and protection against inflation. Our commitment to transparency ensures you are fully aware of the costs involved, with no hidden or indirect fees.
We maintain a select client base to provide highly personalized services, managing assets totaling $1.236 billion as of February 12, 2026. Your journey with us begins with an introductory meeting, free of charge and obligation. This initial conversation allows us both to assess whether we are a natural fit. We are eager to serve as stewards of your wealth and make a meaningful impact on your financial journey.
In addition to our wealth management services, we offer a comprehensive suite of services that span across all financial needs and considerations. From property and casualty insurance, trust advisory services, and assistance in selling your small to large business, to securing mortgages for your children and much more, we are equipped to support every aspect of your financial life.
Recognizing that your life is far from ordinary, we believe your investment strategy should be equally distinctive. Our clients are not confined to a one-size-fits-all model. We consider all your assets, regardless of their location, to create a personalized allocation strategy that emphasizes growth, income, capital preservation, and protection against inflation. Our commitment to transparency ensures you are fully aware of the costs involved, with no hidden or indirect fees.
We maintain a select client base to provide highly personalized services, managing assets totaling $1.236 billion as of February 12, 2026. Your journey with us begins with an introductory meeting, free of charge and obligation. This initial conversation allows us both to assess whether we are a natural fit. We are eager to serve as stewards of your wealth and make a meaningful impact on your financial journey.
In addition to our wealth management services, we offer a comprehensive suite of services that span across all financial needs and considerations. From property and casualty insurance, trust advisory services, and assistance in selling your small to large business, to securing mortgages for your children and much more, we are equipped to support every aspect of your financial life.
Services Include
- Art AdvisoryFootnote1
- Business Succession PlanningFootnote2
- Corporate Retirement PlansFootnote3
- Cash Management and Lending ProductsFootnote4
- Estate Planning StrategiesFootnote5
- Long-term Care InsuranceFootnote6
- Financial PlanningFootnote7
- Philanthropic ManagementFootnote8
- Planning for Education FundingFootnote9
- Professional Portfolio ManagementFootnote10
- Retirement PlanningFootnote11
- Trust ServicesFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
We are privileged to serve a highly accomplished and diverse clientele, which includes entrepreneurs, small business owners, medical professionals, lifelong savers, and multi-generational families.
Regardless of where our clients fall on wealth spectrum, from those with assets starting at $1M to those with portfolios exceeding $100M, we recognize the unique needs and aspirations of each individual and family we work with.
We pride ourselves on fostering long-term relationships, often spanning decades. This relationship allows us to gain an understanding of the evolving dynamics within families as they grow their wealth.
We tailor our services to meet your specific goals and financial journey.
Regardless of where our clients fall on wealth spectrum, from those with assets starting at $1M to those with portfolios exceeding $100M, we recognize the unique needs and aspirations of each individual and family we work with.
We pride ourselves on fostering long-term relationships, often spanning decades. This relationship allows us to gain an understanding of the evolving dynamics within families as they grow their wealth.
We tailor our services to meet your specific goals and financial journey.
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of a Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
We will conduct ongoing reviews and comprehensive reporting to help ensure that your strategy adapts to changing financial and family needs.
Morgan Stanley Private Markets
Many of today’s companies stay private longer, with more of their valuation being created before they become publicly traded. Morgan Stanley Private Markets connects a broad network of potential private investors in an accessible ecosystem, allowing eligible clients to invest directly, or buy and sell shares of private companies.
LEGACIES THAT LAST
Estate Planning Strategies
Our experienced professionals are available to discuss various tax, trust and estate strategies with you
and your advisors, help facilitate the implementation of those strategies, and focus on the integration of your
investment plans.
and your advisors, help facilitate the implementation of those strategies, and focus on the integration of your
investment plans.
Family Office Resources Overview
As your family grows and your wealth increases, you may face more subtle and profound wealth management issues. As the demands of your family grow and evolve, you will likely need professionals who have expanded capabilities.
Learn More
Family Governance and Wealth Education
For many UHNW clients, the most difficult wealth planning challenge they face relates not to their financial capital, but to their human capital. Family Governance Services is a comprehensive offering designed to support each family's unique challenges.
Learn More
Raising Money Savvy Kids
As a parent, you want to prepare your children for a lifetime of success. Teaching your kids about the value of money—how to earn it, what you can do with it, what it means to you—can help them establish a healthy relationship with money so they make smart, informed decisions about their financial futures.
Tax Planning
Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results.
Philanthropy Management
Philanthropy Management supports individuals, families, corporate and private foundations, and nonprofit
organizations by offering a suite of services to help define and realize clients’ charitable missions. View the link below to learn more about Philanthropy Management.
organizations by offering a suite of services to help define and realize clients’ charitable missions. View the link below to learn more about Philanthropy Management.
Awards & Certifications
Forbes Best-In-State Wealth Advisors
Emmett Owenby - 2026 & 2025, 2023 & 2022
Ben Kirchoff - 2026 & 2025
Ben Kirchoff - 2026 & 2025
Forbes Best-In-State Wealth Management Teams
Kirchoff Owenby Group at Morgan Stanley - 2024 Forbes Best-In-State Wealth Management Team
CHARTERED FINANCIAL ANALYST™ (CFA®)
Josh maintains his CHARTERED FINANCIAL ANALYST™ certification. CHARTERED FINANCIAL ANALYST™ is a formal license that provides the strongest foundation for advanced investment analysis and real-world portfolio management skills. CFA® professionals are held to a strict ethical standard.
CERTIFIED FINANCIAL PLANNER™ (CFP®)
Josh maintains his CERTIFIED FINANCIAL PLANNER™ certification. CERTIFIED FINANCIAL PLANNER™ is a formal license that recognizes expertise in the areas of financial planning, taxes, insurance, estate planning, and retirement. CFP® professionals are held to a strict ethical standard.
Morgan Stanley Service Champion
Katie Amos - 2024 Morgan Stanley Service Champion
Location
6181 Bennett Dr
Ste 200
Edwardsville, IL 62025
US
Direct:
(618) 659-5777(618) 659-5777
7733 Forsyth Blvd
Suite 2100
Clayton, MO 63105
US
Direct:
(314) 863-2000(314) 863-2000
14805 N. Outer 40 Road
Suite 200
Chesterfield, MO 63017
US
Direct:
(618) 659-5795(618) 659-5795
1550 Market Street
Suite 600
Denver, CO 80202
US
Direct:
(618) 659-5795(618) 659-5795
Meet Kirchoff Owenby Group
Emmett Owenby
Managing Director, Wealth Management, Financial Advisor
Phone:
(314) 889-9812(314) 889-9812
Drew Kirchoff
Financial Advisor
Phone:
(618) 659-5795(618) 659-5795
Katie Amos
Portfolio Associate
Phone:
(618) 659-5777(618) 659-5777
Josh Sampson, CFA, CFP*
Wealth Management Associate
Phone:
(618) 659-5767(618) 659-5767
About Ben Kirchoff
Ben is the co-founder of the Kirchoff Owenby Group at Morgan Stanley, concentrating on custom discretionary portfolio management for high-net-worth clients. With over 20 years of investment advising experience, Ben is well-versed in managing risk and helping clients navigate their financial landscapes. He holds licenses in General Securities (Series 7), Uniform State Exam (Series 63), Investment Advisory (Series 65), and Life, Accident, and Health Insurance.
Ben's background in small business is instrumental in assisting business owners to maintain a focus on the broader financial picture. A native of Belleville, Illinois, Ben now resides in O’Fallon with his wife, Christine. He is a graduate of Regis University with a Bachelor of Arts degree.
An active world traveler, Ben enjoys exploring new destinations through the Exclusive Resorts program. He is passionate about staying informed on market trends and developments. In his leisure time, Ben loves playing tennis and contributes to the community by supporting the Belleville East and SWIC men's tennis teams. He also enjoys spending time with his dogs, relaxing with a good movie, and collecting rare minerals.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. This program allows Financial Advisors to invest client assets on a discretionary basis across a range of securities. For more details, please refer to the Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Please note that past performance of any security is not a guarantee of future results, and there is no assurance that this investment strategy will be successful under all market conditions. Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
For the most current information, please refer to relevant internal sources or use the web search toggle to access up-to-date details.
Ben's background in small business is instrumental in assisting business owners to maintain a focus on the broader financial picture. A native of Belleville, Illinois, Ben now resides in O’Fallon with his wife, Christine. He is a graduate of Regis University with a Bachelor of Arts degree.
An active world traveler, Ben enjoys exploring new destinations through the Exclusive Resorts program. He is passionate about staying informed on market trends and developments. In his leisure time, Ben loves playing tennis and contributes to the community by supporting the Belleville East and SWIC men's tennis teams. He also enjoys spending time with his dogs, relaxing with a good movie, and collecting rare minerals.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. This program allows Financial Advisors to invest client assets on a discretionary basis across a range of securities. For more details, please refer to the Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Please note that past performance of any security is not a guarantee of future results, and there is no assurance that this investment strategy will be successful under all market conditions. Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
For the most current information, please refer to relevant internal sources or use the web search toggle to access up-to-date details.
Securities Agent: AK, PA, CT, SC, KY, CA, WA, DC, CO, WI, NV, HI, NC, MO, TX, OH, MI, IL, UT, TN, MN, AZ, AL, VA, MS, MA, NY, IA, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1295544
NMLS#: 1295544
About Emmett Owenby
Emmett Owenby is an Executive Director and Senior Portfolio Manager with more than thirty years of wealth advisory experience. He is a seasoned financial expert who provides customized wealth management and investment solutions, banking, insurance, portfolio management, and financial planning to high net worth individuals, business owners, foundations and family offices. Emmett is the co-founder of the Kirchoff and Owenby Team at Morgan Stanley.
Emmett earned a Bachelor of Arts (BA) from the University of Alabama in 1992, followed by a Master of Business Administration (MBA) University of Alabama, Birmingham in 1994. He was recognized as by Forbes Best-In-State Wealth Advisory list in 2022, 2024, and 2025.
Emmett lived all over the world before attending college and currently resides in Denver, CO with his wife. His daughter is a Clinical Mental Health Counselor and his son is a junior at the University of Colorado-Boulder. He commutes back and forth to his office in St. Louis, MO. He is a passionate triathlete having completed several full Ironman events and a Boston Marathon Qualifier. When he is not working he enjoys cycling, running, golf, skiing, and traveling.
*The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Past performance of any security is not a guarantee of future performance. There is no guarantee that this investment strategy will work under all market conditions.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
2022, 2024, and 2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2022, 2024, and 2025).
Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Emmett earned a Bachelor of Arts (BA) from the University of Alabama in 1992, followed by a Master of Business Administration (MBA) University of Alabama, Birmingham in 1994. He was recognized as by Forbes Best-In-State Wealth Advisory list in 2022, 2024, and 2025.
Emmett lived all over the world before attending college and currently resides in Denver, CO with his wife. His daughter is a Clinical Mental Health Counselor and his son is a junior at the University of Colorado-Boulder. He commutes back and forth to his office in St. Louis, MO. He is a passionate triathlete having completed several full Ironman events and a Boston Marathon Qualifier. When he is not working he enjoys cycling, running, golf, skiing, and traveling.
*The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Past performance of any security is not a guarantee of future performance. There is no guarantee that this investment strategy will work under all market conditions.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
2022, 2024, and 2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2022, 2024, and 2025).
Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: VA, TN, MO, AL, PA, NC, TX, MN, HI, CO, NJ, MI, NY, MS, FL, DC, UT, SC, OH, KY, WA, CA, NV, AK, WI, MA, IL, AZ; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1252988
NMLS#: 1252988
About Drew Kirchoff
Drew is a financial advisor with a distinguished background in both high level finance and client relationship management. Drew grew up in St. Louis, Missouri, and attended Saint Louis University High School before earning his degree from Villanova University. His academic excellence laid foundation for a career in New York City, where he worked in exotic derivatives trading.
Drew tailors his advice to each client's specific needs, helping ensure their financial success is built on a foundation of integrity, trust, and strategic foresight. He is a firm believer that strong financial planning is not just about numbers, but about building lasting relationships that support long-term wealth creation.
When not working, Drew enjoys golfing, travelling and as simple as it sounds, long walks.
Drew tailors his advice to each client's specific needs, helping ensure their financial success is built on a foundation of integrity, trust, and strategic foresight. He is a firm believer that strong financial planning is not just about numbers, but about building lasting relationships that support long-term wealth creation.
When not working, Drew enjoys golfing, travelling and as simple as it sounds, long walks.
Securities Agent: CA, TX, MS, MA, SC, NY, AK, UT, WI, VA, NV, MI, IA, FL, OH, MO, IL, AZ, TN, NC, KY, WA, HI, DC, CT, CO, AL, PA, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 2685825
NMLS#: 2685825
About Katie Amos
Katie began her career as a trade wire operator in 1999 and by 2000 she became a Client Service Associate. She joined the Kirchoff Owenby Group in 2011 bringing ten years of experience as a Senior Client Service Associate, Retirement Specialist, and CSA Coach. She is licensed in General Securities (Series 7) and Investment and State (Series 66).
Katie is responsible for overseeing the group's administrative and operational activities. She develops and implements the best procedures to meet the logistical and administrative needs of clients and team members and is experienced utilizing the firm's operational systems. She serves as the liaison between Financial Advisors, support staff, branch management and clients.
Katie's leadership extends beyond her immediate team. From 2016 to 2020, she served on Morgan Stanley's National Service Advisory (NSA) Council, including a distinguished term as Council Co-Chair from May 2018 until the end of the tenure. She currently contributes her expertise as a member of her complex's Service Council.
Born and raised in Spokane, Washington, Katie currently resides in Columbia, Illinois with her husband, Bud, and their daughter Rileigh. She is active in her community, volunteering with nonprofit organization Songs 4 Soldiers. She also enjoys experimenting in the kitchen, taking pictures of her family, reading, and hiking.
Katie is responsible for overseeing the group's administrative and operational activities. She develops and implements the best procedures to meet the logistical and administrative needs of clients and team members and is experienced utilizing the firm's operational systems. She serves as the liaison between Financial Advisors, support staff, branch management and clients.
Katie's leadership extends beyond her immediate team. From 2016 to 2020, she served on Morgan Stanley's National Service Advisory (NSA) Council, including a distinguished term as Council Co-Chair from May 2018 until the end of the tenure. She currently contributes her expertise as a member of her complex's Service Council.
Born and raised in Spokane, Washington, Katie currently resides in Columbia, Illinois with her husband, Bud, and their daughter Rileigh. She is active in her community, volunteering with nonprofit organization Songs 4 Soldiers. She also enjoys experimenting in the kitchen, taking pictures of her family, reading, and hiking.
About Josh Sampson, CFA, CFP*
Josh has worked in the financial markets since 2003. He started his career at a commodities broker where he developed a passion for derivatives trading and risk management strategies. He used this experience to become the Derivatives Product Manager for a leading online brokerage firm. In this role, Josh sat on industry committees at the Chicago Board of Options Exchange (CBOE) and the Options Industry Council (OIC). As a recognized industry expert, his content has been published in national newsletters as well as on the websites of CBOE and OIC.
Josh received his MBA and BS in Finance from Missouri State University where he played for the university's soccer team, was an executive leader of a fraternal organization, and participated in multiple campus business organizations. Josh continued his post degree education by obtaining his Certified Financial Planner (CFP®) and Charter Financial Analyst (CFA) designations. These organizations demand the highest level of professional conduct and require ongoing development programs to ensure members are continually ahead of industry trends and policies. These designations represent leading credentials in the investment management field.
Josh joined the Kirchoff Owenby Group in 2017 with the goal of using his experience to more directly impacting the financial lives of his clients.
He is licensed in General Securities (Series 7), Uniform State Exam (Series 63), Investment Advisory (Series 65) and Life, Accident, and Health Insurance.
*Disclaimer: This role cannot solicit or provide investment advice
Josh received his MBA and BS in Finance from Missouri State University where he played for the university's soccer team, was an executive leader of a fraternal organization, and participated in multiple campus business organizations. Josh continued his post degree education by obtaining his Certified Financial Planner (CFP®) and Charter Financial Analyst (CFA) designations. These organizations demand the highest level of professional conduct and require ongoing development programs to ensure members are continually ahead of industry trends and policies. These designations represent leading credentials in the investment management field.
Josh joined the Kirchoff Owenby Group in 2017 with the goal of using his experience to more directly impacting the financial lives of his clients.
He is licensed in General Securities (Series 7), Uniform State Exam (Series 63), Investment Advisory (Series 65) and Life, Accident, and Health Insurance.
*Disclaimer: This role cannot solicit or provide investment advice
Contact Ben Kirchoff
Contact Emmett Owenby
Contact Drew Kirchoff
Hear From Our Clients
The Kirchoff Owenby team at Morgan Stanley has been absolutely exceptional. As someone who is a young entrepreneur, I wanted advisors that understood my needs and value my time. Drew crafted a personalized financial plan that has prepared my family and I for our future goals. His communication has been outstanding, and he is always available to discuss my financial needs. I would highly recommend Drew and his team.
Riley
Verified ClientOctober 22, 2025
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
5285589 3/2026
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
Greg Cole
Private Banker
Sarah Ott, CFP®
Financial Planning Director, First Vice President
Joe Saadi
Trust Specialist
About Greg Cole
Greg Cole is a Private Banker serving Morgan Stanley Wealth Management offices in Missouri.
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.
Greg began his career in financial services in 1999 and joined Morgan Stanley in 2011. Prior to joining the firm, he was a Regional Banking Consultant at Wells Fargo Advisors. Greg has also served as an Area Manager with JP Morgan Chase and was a Senior Mortgage Consultant in the Smith Barney division at CitiMortgage.
Greg is a graduate of Rockhurst University, where he received a Bachelor of Arts in Psychology. He and his family currently reside in O’Fallon, Missouri. Outside of the office, Greg enjoys spending time with his family and friends.
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.
Greg began his career in financial services in 1999 and joined Morgan Stanley in 2011. Prior to joining the firm, he was a Regional Banking Consultant at Wells Fargo Advisors. Greg has also served as an Area Manager with JP Morgan Chase and was a Senior Mortgage Consultant in the Smith Barney division at CitiMortgage.
Greg is a graduate of Rockhurst University, where he received a Bachelor of Arts in Psychology. He and his family currently reside in O’Fallon, Missouri. Outside of the office, Greg enjoys spending time with his family and friends.
NMLS#: 801927
About Sarah Ott
Sarah Ott, CFP®, CPWA® is a first vice president and senior financial planning director, serving Morgan Stanley Wealth Management offices in the Mid America region. She partners with financial advisors to deliver comprehensive and personalized planning experiences for high-net-worth and ultra-high-net-worth clients. Sarah provides expertise across advanced planning topics including tax mitigation strategies, charitable giving, trust and estate planning, and equity compensation. She also serves as a planning subject matter expert and coach for financial advisors, elevating planning integration into the wealth management process and connecting financial advisors to relevant firm resources.
Sarah began her career in financial services in 2014 and joined Morgan Stanley in 2022. Prior to her current position, she was a financial advisor and director of Financial Planning Operations at Thrivent Financial.
Sarah graduated from Saint Louis University with a Bachelor of Science in business administration with a concentration in entrepreneurship. She holds her CERTIFIED FINANCIAL PLANNER® and Certified Private Wealth Advisor® designations. Outside of work, Sarah enjoys traveling with her family, trying new restaurants, renovating homes, and attending concerts and sporting events.
Sarah began her career in financial services in 2014 and joined Morgan Stanley in 2022. Prior to her current position, she was a financial advisor and director of Financial Planning Operations at Thrivent Financial.
Sarah graduated from Saint Louis University with a Bachelor of Science in business administration with a concentration in entrepreneurship. She holds her CERTIFIED FINANCIAL PLANNER® and Certified Private Wealth Advisor® designations. Outside of work, Sarah enjoys traveling with her family, trying new restaurants, renovating homes, and attending concerts and sporting events.
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.
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.
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.
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1Products 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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 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
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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.
8Products 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.
9When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10Morgan 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.
11When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
12Morgan 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.
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
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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 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
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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.
8Products 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.
9When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10Morgan 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.
11When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
12Morgan 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.
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.
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
