Senior Vice President, Branch Manager, Portfolio Management Director, Financial Planning Specialist
Phone:
(256) 552-9433(256) 552-9433
Industry Award WinnerOur Mission Statement
To guide, protect and enhance your financial life by understanding your unique situation through considerate planning, providing customized recommendations, monitoring, and regular communication.
Our Story and Services
As your Financial Advisors, we will listen to your desires and goals, getting a comprehensive picture of how you invest and what it is you want to achieve. We’ve forged strong relationships built on trust with all of our clients and have taken them through decades of ups and downs in the market.
Our sole intention is to use the vast array of resources the firm has to offer, our extensive knowledge and experience, and our network of seasoned investment professionals to grow and preserve your wealth, stemming from a tailored plan. You will have access to a premier trading and execution platform and a thorough and complete spectrum of investment choices. Do not worry about complex concepts and terms, we will simplify them so you can focus on your day-to-day. We will make sure you understand our strategies to get you to your goals and put them in layman’s terms so we can execute on your behalf and you can be assured your wealth is in good hands.
Our sole intention is to use the vast array of resources the firm has to offer, our extensive knowledge and experience, and our network of seasoned investment professionals to grow and preserve your wealth, stemming from a tailored plan. You will have access to a premier trading and execution platform and a thorough and complete spectrum of investment choices. Do not worry about complex concepts and terms, we will simplify them so you can focus on your day-to-day. We will make sure you understand our strategies to get you to your goals and put them in layman’s terms so we can execute on your behalf and you can be assured your wealth is in good hands.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Lakeside Approach
Charting a clear, confident course to financial success begins with understanding your values, priorities and aspirations. Working together, we define what is most important to you and develop the strategies to help get you there.
1: Establish & Understand Your Goals
One size does not fit all investors. The commitment we make to every client is to take the time to know who you are as an investor and understand your unique goals.
2: Develop A Plan
We collaborate with you to perform an in depth evaluation of your current situation. Using your goals we create a thoughtful strategy which maps out a clear path for success.
3: Design Your Unique Portfolio
Once we have a solid understanding of where you stand financially and a clear understanding of your desired goals. We will make recommendations using proprietary tools and insights from Morgan Stanley to personalize a plan designed to help meet your goals and expectations.
4: Monitor & Communicate
We will monitor our performance relative to your goals. We analyze your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. We are committed to premium service. We focus on a relationship that will bring value to you and your family. Because your goals evolve over time we maintain ongoing communication to ensure your plan remains on schedule to pursue your goals.
Morgan Stanley's Digital Offerings
Morgan Stanley's comprehensive suite of digital tools have been carefully designed to help enhance each aspect of your financial portfolio. To make the onboarding process as simple as possible we have gathered some of our most essential resources. You can find more information and steps to getting started below.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
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Total Wealth View
With this service, you can view all your assets and liabilities together – Completing your financial picture with Total Wealth View gives our clients the benefit of more informed wealth planning, more secure data access, and convenient connectivity.
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Morgan Stanley Mobile App
The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online – all from the convenience of your own phone. It also offers features to simplify your everyday finances.
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Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
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Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our cutting edge tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth ManagementLakeside News and Insights
We always keep our clients up to speed on the market, our team, and general lifestyle trends. Below you can find our newsletters, resources, and lifestyle bits.
Investor Resources
Financial education leads to better insights into investment strategy and ultimately, better long term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in all market conditions. We have assembled a collection of resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth.
Global Investment Committee on the Markets
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition here.
Access this Months Publication Here
Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
Morgan Stanley Portfolio Insights
Retirement Planning
It’s important to determine how much money you may need to save for a comfortable retirement. Here are six simple steps to help you determine whether you are on track to meet your retirement needs.
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Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. Members can enjoy special discounts and timely insights to support them at home and beyond.
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Online Security Center
Learn about our extensive security measures and take advantage of our vast array of resources and ideas that are geared towards helping you stay protected on the World Wide Web.
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300 Market Street NE
Suite 101
Decatur, AL 35601
US
Toll-Free:
(800) 253-0822(800) 253-0822
7530 Parker Road
Suite 100
Fairhope, AL 56532
US
Direct:
(251) 990-2943(251) 990-2943
Meet Lakeside Group
Senior Vice President, Financial Advisor, Financial Planning Specialist, Portfolio Management Director
Phone:
(256) 552-9431(256) 552-9431
Phone:
(251) 990-2943(251) 990-2943
Kristen Hall
Registered Client Service Associate
Phone:
(251) 990-2947(251) 990-2947
DaChrista Dean
Senior Client Service Associate
Phone:
(256) 552-9444(256) 552-9444
About R. Lee Clark, Jr.
Lee Clark is a Senior Vice President, Portfolio Management Director, and Branch Manager at the Lakeside Group of Morgan Stanley. With over 25 years of experience in the financial industry, Lee has been a dedicated member of Morgan Stanley since 2000.
Lee's extensive experience has honed his ability to deliver exceptional service to his clients. He is a strong advocate of a goals-based approach to financial success. His process begins with a comprehensive analysis of his clients' needs, aspirations, and concerns, enabling him to effectively guide them toward their financial objectives. Lee emphasizes the importance of managing clients' balance sheets to help them address critical questions about their long-term goals, such as retirement planning, Social Security benefits, and wealth transfer strategies. Through this insightful discovery process, Lee crafts holistic plans tailored to each client's unique needs.
Lee's journey into financial advising was fueled by his passion for helping others achieve their financial aspirations. His interest in finance was sparked during his undergraduate studies when he was introduced to the concepts of compounding and stock market theory. This fascination led him to pursue an MBA from the University of North Alabama. Initially working in sales, Lee began investing with a Financial Advisor, which deepened his understanding and enthusiasm for finance. Recognizing his natural talent, his advisor encouraged him to pursue a career in financial advising. Lee joined Merrill Lynch in 1998, marking the beginning of his professional journey.
Beyond his professional commitments, Lee is actively involved in his community, volunteering at his local church and participating in various fundraising initiatives. In his leisure time, he enjoys playing golf.
Lee holds a Bachelor of Business Administration and a Master of Business Administration from the University of North Alabama. He is licensed with the Series 7, 9, 10, and 66 FINRA licenses and holds the Financial Planning Specialist and Portfolio Management Director designations.
Lee's extensive experience has honed his ability to deliver exceptional service to his clients. He is a strong advocate of a goals-based approach to financial success. His process begins with a comprehensive analysis of his clients' needs, aspirations, and concerns, enabling him to effectively guide them toward their financial objectives. Lee emphasizes the importance of managing clients' balance sheets to help them address critical questions about their long-term goals, such as retirement planning, Social Security benefits, and wealth transfer strategies. Through this insightful discovery process, Lee crafts holistic plans tailored to each client's unique needs.
Lee's journey into financial advising was fueled by his passion for helping others achieve their financial aspirations. His interest in finance was sparked during his undergraduate studies when he was introduced to the concepts of compounding and stock market theory. This fascination led him to pursue an MBA from the University of North Alabama. Initially working in sales, Lee began investing with a Financial Advisor, which deepened his understanding and enthusiasm for finance. Recognizing his natural talent, his advisor encouraged him to pursue a career in financial advising. Lee joined Merrill Lynch in 1998, marking the beginning of his professional journey.
Beyond his professional commitments, Lee is actively involved in his community, volunteering at his local church and participating in various fundraising initiatives. In his leisure time, he enjoys playing golf.
Lee holds a Bachelor of Business Administration and a Master of Business Administration from the University of North Alabama. He is licensed with the Series 7, 9, 10, and 66 FINRA licenses and holds the Financial Planning Specialist and Portfolio Management Director designations.
Securities Agent: WV, WI, WA, VI, VA, UT, TN, SD, SC, RI, PR, PA, OR, OH, NY, NV, NJ, NH, NE, NC, MT, MS, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, ND, IA, HI, GA, NM, FL, DE, DC, OK, CT, CO, CA, AZ, AR, AL, AK, TX, WY, VT; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1253064
NMLS#: 1253064
About Jon Anderson
Jon Anderson is a seasoned Financial Advisor and Senior Vice President at the Lakeside Group of Morgan Stanley, where he has been a valued team member since 2001. His investment career began in 1998 with Merrill Lynch, and he brings over 25 years of industry expertise to his role.
Jon's investment philosophy is rooted in the belief that each client has unique circumstances that require a personalized, goals-oriented investment strategy. His approach emphasizes tailored financial planning, allowing for strategic asset allocation that aims to minimize risk while achieving clients' objectives. Jon's process is adaptable, helping ensure that plans can adjust to unforeseen events.
Central to Jon's practice is a robust client service model that prioritizes experience, dedication, and relationship building. He strives to develop deep relationships with his clients to fully understand their expectations, goals, and risk tolerance. Drawing from his experience as a former USMC officer, Jon applies the values of hard work, perseverance, and service to his role as a Financial Advisor.
Beyond his professional commitments, Jon is deeply involved in his community. For over 20 years, he has held leadership roles in the Hartselle Kiwanis Club, an organization dedicated to making a lasting impact on children's lives. He also volunteers with his local church and actively supports nearby school districts. Despite his numerous responsibilities, Jon remains a devoted husband and father. He is married to his wife, Deanna, and they have two children, Maggie and Hilton. In his leisure time, Jon enjoys hiking, running, and driving his tractor.
Jon holds a Bachelor's degree from Samford University and a Master of Business Administration from the University of North Alabama. He is licensed with the Series 7 and 63 FINRA licenses.
Jon's investment philosophy is rooted in the belief that each client has unique circumstances that require a personalized, goals-oriented investment strategy. His approach emphasizes tailored financial planning, allowing for strategic asset allocation that aims to minimize risk while achieving clients' objectives. Jon's process is adaptable, helping ensure that plans can adjust to unforeseen events.
Central to Jon's practice is a robust client service model that prioritizes experience, dedication, and relationship building. He strives to develop deep relationships with his clients to fully understand their expectations, goals, and risk tolerance. Drawing from his experience as a former USMC officer, Jon applies the values of hard work, perseverance, and service to his role as a Financial Advisor.
Beyond his professional commitments, Jon is deeply involved in his community. For over 20 years, he has held leadership roles in the Hartselle Kiwanis Club, an organization dedicated to making a lasting impact on children's lives. He also volunteers with his local church and actively supports nearby school districts. Despite his numerous responsibilities, Jon remains a devoted husband and father. He is married to his wife, Deanna, and they have two children, Maggie and Hilton. In his leisure time, Jon enjoys hiking, running, and driving his tractor.
Jon holds a Bachelor's degree from Samford University and a Master of Business Administration from the University of North Alabama. He is licensed with the Series 7 and 63 FINRA licenses.
Securities Agent: MD, FL, AL, WA, TN, NC, MO, IN, IL, VA, OK, NV, KY, CT, PA, OH, NM, CO, ID, WY, TX, OR, CA, NY, MA, IA, GA, DE, AZ, AR, WI, SC, MT, MI, NE, ND, LA, UT, MS; General Securities Representative; Investment Advisor Representative
NMLS#: 2455818
NMLS#: 2455818
About Ralph Anderson
Ralph Anderson has over 30 years experience in financial services at Morgan Stanley and its predecessor firms where he continues to proudly help guide clients through all market conditions. He prides himself on taking the time to understand each client's lifetime goals and their financial objectives.
Prior to starting his career in the financial services industry, Ralph attended the University of West Florida where he earned a BA in Accounting. In addition, he earned his CFP designation from the College for Financial Planning. As a CFP, Ralph prioritizes developing a unique financial plan for each client and actively managing their affairs according to that plan.
Outside of work, Ralph enjoys spending time with his family. He has been happily married for 36 years and has three children and a dog. He also helped form a Christian Business Men’s Connection group in Fairhope, Alabama in 2019. CBMC connects business and professional men to God and each other through Christian peer groups and one-on-one mentoring, so they become more like the men God designed them to be. Ralph is a member of the Advisory Board for the Student-run Jaguar Investment Fund at the University of South Alabama.
Prior to starting his career in the financial services industry, Ralph attended the University of West Florida where he earned a BA in Accounting. In addition, he earned his CFP designation from the College for Financial Planning. As a CFP, Ralph prioritizes developing a unique financial plan for each client and actively managing their affairs according to that plan.
Outside of work, Ralph enjoys spending time with his family. He has been happily married for 36 years and has three children and a dog. He also helped form a Christian Business Men’s Connection group in Fairhope, Alabama in 2019. CBMC connects business and professional men to God and each other through Christian peer groups and one-on-one mentoring, so they become more like the men God designed them to be. Ralph is a member of the Advisory Board for the Student-run Jaguar Investment Fund at the University of South Alabama.
Securities Agent: NC, GA, WA, SC, IN, CO, WI, NV, NM, KY, IA, WY, NY, ND, MD, VA, LA, FL, CA, MT, PA, NE, MI, AL, TX, TN, MS, IL, AR, OR, MO, MA, ID, UT; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1265199
NMLS#: 1265199
About Kristen Hall
Kristen Hall is a Registered Client Service Associate working with Ralph Anderson in Fairhope, AL. Kristen graduated cum laude with a B.S. in Business Administration, major in Marketing from The University of South Alabama. Kristen has worked at Morgan Stanley for over 7 years. She has worked in the finance industry for over 10 years.
About DaChrista Dean
As a Senior Client Service Associate and Assistant to the Branch Manager with more than 2 decades of financial industry experience, DaChrista focuses on providing excellent customer service and building strong client relationships. DaChrista works with Lee Clark Jr. and Jon Anderson in Decatur, AL. She has been a member of the Morgan Stanley family since 2011.
DaChrista graduated with an Associate’s Degree in Business Administration from Virginia College in Birmingham, AL.
Outside of the office, DaChrista enjoys life with her husband Kevin and their two dogs. Spending time with family, church family and friends are important to them. They love to travel and grow vegetables in their garden.
DaChrista graduated with an Associate’s Degree in Business Administration from Virginia College in Birmingham, AL.
Outside of the office, DaChrista enjoys life with her husband Kevin and their two dogs. Spending time with family, church family and friends are important to them. They love to travel and grow vegetables in their garden.
Contact R. Lee Clark, Jr.
Contact Jon Anderson
Contact Ralph Anderson
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
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
Brendan Borowsky
Planning Associate
About Brendan Borowsky
Brendan Borowsky is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Brendan provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Texas Christian University and received the Financial Planning Specialist® designation from the College for Financial Planning. Brendan is originally from White Plains, NY and currently resides in Alpharetta, GA.
He earned his undergraduate degree from Texas Christian University and received the Financial Planning Specialist® designation from the College for Financial Planning. Brendan is originally from White Plains, NY and currently resides in Alpharetta, GA.
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.
When 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.
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.
When 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.
Wealth Management
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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- 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
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Lakeside Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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.
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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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.
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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
