Chris Smith
Trust Specialist
Kyle Nolan
Financial Advisor,
Financial Planning Specialist
Direct:
(917) 227-5117(917) 227-5117
My Mission Statement
To empower individuals and families in their financial lives by delivering Morgan Stanley's tools, capabilities and intellectual capital.
My Story and Process
Kyle brings his background as a quarterback - leading football teams on the field - to his business and client relationships at Morgan Stanley. Instituting a process-driven approach, Kyle works alongside his clients to establish a gameplan to help optimize and align their financial lives and meet their goals. He coordinates with clients and their other trusted advisors (CPA, Attorney, Agent, etc.) in an effort to ensure the entire team is on the same page. While he works with a variety of clientele, Kyle's primary focus is creating customized wealth management strategies for corporate executives, doctors, and athletes & entertainers. As well as developing tax-efficient withdrawal strategies for retirees.
Kyle maintains the firms Financial Planning Specialist designation. He serves his clients by educating and advising them on their complete financial picture. Leveraging Morgan Stanley’s vast resources, he provides comprehensive financial planning and investment portfolio management tailored to each client’s needs.
Kyle was raised in Connecticut, attending Branford High School and Choate Rosemary Hall. He earned his Bachelor’s degree at the Georgetown University McDonough School of Business, dual majoring in Finance and Management, and was a four-year starter at quarterback for the Hoyas Division I Football team. Post college, Kyle pursued a career in football, including time with the Baltimore Ravens and playing in the European American Football Leagues of Portugal and Finland.
Today, Kyle resides in Manhattan. He sits on the Board of Project ADAM NY. A non-profit that is committed to saving lives by empowering schools, youth sports programs, and communities to be prepared for sudden cardiac arrest (SCA). He is passionate about leading an active, healthy lifestyle, and maintaining his competitive spirit. Outside the office, he enjoys a variety of sports and hobbies - basketball, skiing, golf, tennis - as well as mentoring the next generation of quarterbacks.
Kyle maintains the firms Financial Planning Specialist designation. He serves his clients by educating and advising them on their complete financial picture. Leveraging Morgan Stanley’s vast resources, he provides comprehensive financial planning and investment portfolio management tailored to each client’s needs.
Kyle was raised in Connecticut, attending Branford High School and Choate Rosemary Hall. He earned his Bachelor’s degree at the Georgetown University McDonough School of Business, dual majoring in Finance and Management, and was a four-year starter at quarterback for the Hoyas Division I Football team. Post college, Kyle pursued a career in football, including time with the Baltimore Ravens and playing in the European American Football Leagues of Portugal and Finland.
Today, Kyle resides in Manhattan. He sits on the Board of Project ADAM NY. A non-profit that is committed to saving lives by empowering schools, youth sports programs, and communities to be prepared for sudden cardiac arrest (SCA). He is passionate about leading an active, healthy lifestyle, and maintaining his competitive spirit. Outside the office, he enjoys a variety of sports and hobbies - basketball, skiing, golf, tennis - as well as mentoring the next generation of quarterbacks.
Securities Agent: NY, PA, CO, MA, GA, NJ, NC, CA, AZ, FL, TN, SC, VA, CT, TX, MT, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 2310206
NMLS#: 2310206
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
HELPING YOU BUILD A LEGACY BEYOND YOUR CRAFT
At Morgan Stanley, our Global Sports & Entertainment division is designed to support the unique needs of athletes, entertainers, and creative professionals. We provide access to specialized resources and guidance that help clients manage opportunities and challenges that come with their careers.
As a Former NFL quarterback, Kyle understands the demands of life on and off the field. Drawing on his personal experience and the full capabilities of Morgan Stanley, he works with clients to create strategies that align with their goals - helping them plan for today while building a strong financial future.
Whether you are on the field, on stage, or behind the scenes, our team is here to provide the tools and perspective you need to protect what you've earned and prepare for what's next.
Wealth Management for Professionals Athletes & Entertainers
There's no limit to your potential—during your career and beyond. Morgan Stanley Global Sports & Entertainment (GSE) pairs advanced wealth management experience in your complex industry with the global resources of a top-tier firm to help you achieve financial independence today and a legacy of greatness tomorrow.
What is high limit disability insurance and who should consider using it?
Legacy planning is something that needs to be talked about early, especially for athletes and entertainers. Control your legacy, control your life.
Equity for Endorsement? What to Know
Star athletes and entertainers have been inking endorsement deals that include equity compensation. Here's what to consider when determining whether this approach makes sense for you.
Making It to Draft Day: Financial Solutions for Prospective Pros
The journey to becoming a professional athlete is life-changing–and there are inherent challenges along the way.
Planning for the Unexpected: Financial Tips for Unpredictable Careers
Athletes and entertainers' careers often have their ups and down, all the more reason to plan ahead for a financially stable future. Here's how.
Modern Wealth Tools
I encourage clients to leverage the modern wealth tools and client resources that Morgan Stanley offers to enhance to enhance their wealth management experience. Please take a look below to explore the resources available to you.
Morgan Stanley Online
Morgan Stanley Online (MSO) digital capabilities and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management solutions and the robust market research. The Morgan Stanley Mobile App provides clients with access to their accounts in just a few taps.
Learn More About Morgan Stanley Online
Total Wealth View
Managing multiple financial accounts across different firms can be complicated. With Morgan Stanley Online, you can link your non-Morgan Stanley accounts and analyze your cash flow all in one place.
Learn More About Total Wealth View
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
eDelivery Guide
CashPlus
Manage your cash with Morgan Stanley's CashPlus brokerage account. Enjoy a seamless digital experience, zero cash management fees, and more value and protection.
Learn More About CashPlus
Reserve Living & Giving
Morgan Stanley's loyalty program allows eligible clients access to exclusive offers and discounts from over 70 premium brands at no cost.
Sign In or Enroll
The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read the ReportsMake the most out of your equity awards
Equity awards can be one of the most powerful ways to build long-term wealth, but they can also be complex. I work with clients to help them make sense of their company granted stock options, RSUs and employee stock purchase plan, turning these opportunities into intentional part of a broader financial strategy. Whether it's understanding vesting schedules, managing tax considerations, or building a plan to diversify over time, I will help you make confident, informed decisions that align with your goals.
- Equity Compensation Services
- Equity Award Analysis
- Specialized Solutions
Executive Services
While business leaders are busy driving change for their companies, I help them navigate the complexities that come with executive-level equity compensation. I provide concierge-level support — from 10b5-1 trading plans to Form 144 filings, access to specialized wealth-management strategies, and personalized tax-optimization approaches. My goal is to help clients move with clarity and confidence as their financial needs evolve.
Some of my services include:
Types of Equity Awards
Equity awards show up in different forms, each with its own opportunities and tax considerations. I help clients clearly understand how these awards fit into their bigger financial picture — from Restricted Stock Units (RSUs) that vest over time, to Stock Options that offer potential upside, to Employee Stock Purchase Plans (ESPPs) that allow employees to buy shares at a discount. By breaking down the mechanics behind each award, I help clients make informed decisions about when to hold, sell, or diversify so their equity works in alignment with their long-term goals.
Vesting & Tax Implications
As equity awards begin to vest, taxes and timing suddenly matter a lot more than people expect. I help clients stay ahead of those moments by breaking down what happens when shares vest, how different award types are taxed, and what strategies help them keep more of what they've earned. From planning around vesting schedules to managing capital gains exposure, my goal is to turn complex tax rules into confident, actionable decisions.
Liquidity & Diversification Strategies
When too much of someone's net worth is tied up in a single company's stock, balance becomes essential. I help clients turn concentrated equity into more diversified, resilient portfolios without losing sight of their goals.
Whether it's building a structured 10b5-1 selling plan, managing liquidity events, or aligning sales with appropriate tax considerations, I guide clients step-by-step, so they stay informed throughout the process.
Equity Award Analysis — What You Can Expect
Equity awards can significantly shape long-term wealth — but only if they're used strategically. I help clients explore ways to make the most of their awards today while preparing for the future, including charitable giving strategies and donor-advised funds.
My goal is to align equity decisions with the bigger financial picture, maximizing impact while mapping out what comes next.
Compliance & Trading Windows
Timing is critical — especially for executives and insiders. I help clients confidently navigate blackout periods, insider-trading policies, and pre-clearance requirements.
With structured trading plans and clear guidance, I make sure clients understand the rules, stay compliant, and keep their financial plans on track.
How Equity Compensation Can Benefit the Ones You Love
Equity compensation can play a meaningful role in estate and legacy planning. I help clients understand how proper planning can ensure a smooth transition of assets and protect the people they care about most. Whether it's incorporating equity into a broader wealth-transfer strategy or preparing for future generational needs, I support clients in making thoughtful, informed decisions for their loved ones.
Understanding the Tax Side of Your Wealth
Taxes can easily turn a smart financial move into a stressful one if they’re not planned for in advance. Kyle works closely with clients to help them understand how different parts of their financial picture - from equity awards and investment gains to charitable gifts and retirement income -affect their tax outlook. The goal isn’t just to react at tax time, but to plan year-round so clients can make informed, efficient decisions with confidence.
Understanding Your Tax Landscape
Every client’s tax situation is unique. Kyle begins by reviewing how income, investments, and equity compensation fit together from a tax perspective. This first step helps clients see where they stand - and where strategic planning can make a real difference.
What to Consider When Liquidating Assets
Timing Your Income and Gains
Not all income is created equal. Kyle helps clients identify the best times to realize gains, exercise options, or sell shares - balancing opportunity and tax impact. With careful timing, clients can stay aligned with their goals while managing exposure to higher brackets and short-term capital gains.
Learn More
Equity Compensation & Tax Coordination
Equity awards can create sudden tax events that catch people off guard. Kyle helps clients anticipate these triggers - whether it’s at vesting, exercise, or sale - and works alongside tax professionals to minimize surprises. His focus is on clarity, preparation, and turning complex tax rules into actionable steps.
Learn More About Equity Award Analysis
Building Tax-Efficient Portfolios
A tax-smart investment strategy goes beyond picking the right stocks. Kyle helps clients structure portfolios to manage gains, harvest losses when appropriate, and use tax-advantaged accounts to their full potential. The result: a portfolio that’s efficient, diversified, and designed for long-term growth after taxes.
Learn More About Tax-Efficient Investing
Collaborating with Tax Professionals
Great planning doesn’t happen in a vacuum. Kyle partners with CPAs and tax specialists to ensure every decision - from year-end planning to complex equity events fits within a coordinated tax strategy. Clients benefit from a unified approach that connects every piece of their financial puzzle.
Navigating Your Retirement Withdrawal Strategy
Retirement isn't just about reaching your goal - its' about knowing how to draw from it wisely. Kyle helps clients design personalized withdrawal strategies that balance steady income, tax efficiency, and long-term sustainability. The focus is on transforming savings into a reliable income stream that supports your lifestyle and keeps your wealth working for you well into the future.
Learn More About Withdrawal Sequencing
Charitable Giving & Philanthropic Strategies
If charitable giving is part of your values, it can also be part of your tax strategy. I walk you through options like gifting appreciated stock or using donor-advised funds to maximize impact. It’s about aligning generosity with efficiency, so your giving creates value in more ways than one.
Learn More About Donor Advised FundsLocation
One Fawcett Place
3rd Floor
Greenwich, CT 06830
US
Direct:
(917) 227-5117(917) 227-5117
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
Angelo Loumbas
Family Office Resource Generalist
About Chris Smith
Chris Smith is an Executive Director and Head of Morgan Stanley’s Trust Services Group. As a 30-year employee of Morgan Stanley, Chris is responsible for maintaining the “Open Architecture” trustee platform, which consists of thirteen third-party trust companies who can serve in a fiduciary, agency or custodial role for ultra-high-net worth client trust accounts. Chris and the Trust Services Group help Advisors, clients, prospects and the professional community understand the corporate trustee services available through Morgan Stanley and how our corporate trustee partners can be used to provide fiduciary solutions for clients. This involves reviewing trust document and statements as well as analyzing family dynamics. Chris then uses this information to recommend one or more of the firm’s third-party corporate trustee partners to possibly serve as trustee, co-trustee or administrative agent for a client trust account.
Prior to joining Morgan Stanley (Dean Witter), Chris worked in the Retirement Plans department of Prudential Securities and prior to that the District Agency department of Prudential Insurance Company. Chris holds a Bachelor of Arts degree in Communication/Journalism and Psychology from St. John Fisher College in Rochester, NY. He lives in Saratoga Springs, NY with his wife Sharon and two boys, Ryan and Michael and has a passion for golf, skiing and horse racing.
Prior to joining Morgan Stanley (Dean Witter), Chris worked in the Retirement Plans department of Prudential Securities and prior to that the District Agency department of Prudential Insurance Company. Chris holds a Bachelor of Arts degree in Communication/Journalism and Psychology from St. John Fisher College in Rochester, NY. He lives in Saratoga Springs, NY with his wife Sharon and two boys, Ryan and Michael and has a passion for golf, skiing and horse racing.
About Angelo Loumbas
Angelo is the Family Office Resources Generalist in the Northeast Region. Angelo provides in depth knowledge to ultra-high net worth (UHNW) clients and Financial Advisors across a broad range of family wealth and family office management matters. His area of focus includes family governance, wealth education,, strategic estate and financial planning, philanthropy management, lifestyle advisory, and customized asset allocation and portfolio construction. Angelo has over 25 years’ experience advising wealthy families, business owners, and philanthropic organizations.
Originally from Chicago and now residing in Westchester County, New York, , Angelo practiced law for 15 years and represented UHNW clients, closely held businesses, and major philanthropic organizations. He is admitted to the Society of Trust and Estate Practitioners and has been asked to speak over the years before tax, trust and estate committees of estate planning councils and other organizations. Angelo has also contributed thought leadership through Morgan Stanley’s Family Legacy and Governance Institute leadership series and authored an article for Barrons.com, “Should I Invest in My Kid’s Start-Up? Financial Advisors Can Help Clients Decide” (2023).
Angelo has been advising UHNW clients in the financial services industry for over 17 years, with 13 of those years at Morgan Stanley in Chicago and New York. He earned his J.D. from Indiana University at Bloomington, his M.B.A. from the University of Notre Dame, and B.A. from DePaul University. He also holds his Series 7, 66 and 24 licenses. In addition, Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club (2009-2010).
Originally from Chicago and now residing in Westchester County, New York, , Angelo practiced law for 15 years and represented UHNW clients, closely held businesses, and major philanthropic organizations. He is admitted to the Society of Trust and Estate Practitioners and has been asked to speak over the years before tax, trust and estate committees of estate planning councils and other organizations. Angelo has also contributed thought leadership through Morgan Stanley’s Family Legacy and Governance Institute leadership series and authored an article for Barrons.com, “Should I Invest in My Kid’s Start-Up? Financial Advisors Can Help Clients Decide” (2023).
Angelo has been advising UHNW clients in the financial services industry for over 17 years, with 13 of those years at Morgan Stanley in Chicago and New York. He earned his J.D. from Indiana University at Bloomington, his M.B.A. from the University of Notre Dame, and B.A. from DePaul University. He also holds his Series 7, 66 and 24 licenses. In addition, Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club (2009-2010).
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley does not accept appointments, nor will it act as a trustee, but it will provide access to trust services through an appropriate third-party corporate trustee.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
Morgan Stanley, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley does not accept appointments, nor will it act as a trustee, but it will provide access to trust services through an appropriate third-party corporate trustee.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
Morgan Stanley, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Kyle Nolan today.
1Morgan 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.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Morgan 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
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Morgan 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
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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
CRC 4665150 (8/2025), 4763067 (9/2025)
