Sharayah Reed
Portfolio Associate
Phone:
(703) 232-2109(703) 232-2109
Leila Mathur Peck
First Vice President, Wealth Management,
Financial Advisor
Direct:
(703) 556-8181(703) 556-8181
My Mission Statement
Working with you to preserve and grow wealth for your long-term goals
Welcome
Leila Mathur Peck has been a Financial Advisor with Morgan Stanley for over 30 years. Leila received her B.S. in Journalism from the University of Maryland and specialized in Science and Technical Communication. Her background has provided her with a strong foundation in research, analysis and simplifying complex technical terms – skills she applies to managing investment portfolios. As of October 2025, Leila is responsible for managing over $180 million of client assets.
Leila’s approach begins with creating personalized written lifelong plans for her clients and implementing tailored investment strategies, when are then are tested with Morgan Stanley’s cutting-edge technology and specialized risk management tools. She provides personal attention to individuals and families, and offers practical advice as to how they can optimize investing and managing their money, while also assessing their goals and adapting strategies to life’s changes. She excels at explaining financial topics to her clients in clear, easily understandable terms and still works with many of the same clients with whom she began her career. Although her practice has expanded, Leila enjoys working with many of her original clients’ adult children, grandchildren and referrals.
As a longtime resident of Arlington, Va., Leila has recognized a need for financial education and literacy in the general population, one reason she entered the industry. She has conducted seminars for various groups, including the Food & Drug Administration, University of Virginia Alumnae Assn., a clean energy group and various social clubs. For the last seven years, Leila has served as a stock pitch judge for the Annual Women’s leadership Summit at the College of William & Mary, where students from all over the world compete. As a testament to the high quality of service Leila provides and exceptional client retention rate, she has been honored with the Washington, DC Five Star Wealth Manager Award every year from 2018-2023.
Outside of her work commitments, Leila enjoys gardening, exercise classes and is an avid reader, having been in the same book club for over 20 years. Leila is also a member of the Arlington, Va Rotary Club She has successfully launched three children.
2018-2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2018-2025) The award was determined based on an evaluation process conducted by Five-Star Professional, based on objective criteria, during the following time periods:
2018 Award- 2/1/18 - 8/24/18 2019 Award- 12/31/18 - 8/9/19 2020 Award- 1/27/20 - 8/21/20 2021 Award- 1/4/21 - 7/23/21 2022 Award- 1/10/22 - 8/26/22 2023 Award- 1/9/23 - 7/31/23 2024 Award- 1/9/24 - 8/9/24 2025 Award- 1/9/24 - 8/9/25
Leila’s approach begins with creating personalized written lifelong plans for her clients and implementing tailored investment strategies, when are then are tested with Morgan Stanley’s cutting-edge technology and specialized risk management tools. She provides personal attention to individuals and families, and offers practical advice as to how they can optimize investing and managing their money, while also assessing their goals and adapting strategies to life’s changes. She excels at explaining financial topics to her clients in clear, easily understandable terms and still works with many of the same clients with whom she began her career. Although her practice has expanded, Leila enjoys working with many of her original clients’ adult children, grandchildren and referrals.
As a longtime resident of Arlington, Va., Leila has recognized a need for financial education and literacy in the general population, one reason she entered the industry. She has conducted seminars for various groups, including the Food & Drug Administration, University of Virginia Alumnae Assn., a clean energy group and various social clubs. For the last seven years, Leila has served as a stock pitch judge for the Annual Women’s leadership Summit at the College of William & Mary, where students from all over the world compete. As a testament to the high quality of service Leila provides and exceptional client retention rate, she has been honored with the Washington, DC Five Star Wealth Manager Award every year from 2018-2023.
Outside of her work commitments, Leila enjoys gardening, exercise classes and is an avid reader, having been in the same book club for over 20 years. Leila is also a member of the Arlington, Va Rotary Club She has successfully launched three children.
2018-2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2018-2025) The award was determined based on an evaluation process conducted by Five-Star Professional, based on objective criteria, during the following time periods:
2018 Award- 2/1/18 - 8/24/18 2019 Award- 12/31/18 - 8/9/19 2020 Award- 1/27/20 - 8/21/20 2021 Award- 1/4/21 - 7/23/21 2022 Award- 1/10/22 - 8/26/22 2023 Award- 1/9/23 - 7/31/23 2024 Award- 1/9/24 - 8/9/24 2025 Award- 1/9/24 - 8/9/25
Education:
- B.S. Journalism; Specialty in Scientific and Technical Communication; University of Maryland, College Park
- Series 7 General Securities License, Registered Representative 1985
- Series 3, Commodities Broker License
- Series 63, Uniform State Exam
- Life Accident Health Insurance and Variable Annuity License
- Series 65, Registered Investment Advisor
Services Include
- Wealth Consulting
- Executive Financial ServicesFootnote1
- Asset Management
- 401(k) Rollovers
- AnnuitiesFootnote2
- Retirement PlanningFootnote3
- Financial PlanningFootnote4
- Municipal BondsFootnote5
- Philanthropic Services
- Planning for Education FundingFootnote6
- Sustainable InvestingFootnote7
- Trust AccountsFootnote8
- Wealth ManagementFootnote9
- 529 PlansFootnote10
- Cash ManagementFootnote11
- Divorce Financial AnalysisFootnote12
- Exchange Traded FundsFootnote13
- Long Term Care InsuranceFootnote14
Securities Agent: SC, CO, NC, WA, PA, FL, NM, IL, NJ, TX, NH, MO, MD, CA, AZ, VT, GA, DC, DE, VA, NV, NY; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1377903
CA Insurance License #: OE27530
NMLS#: 1377903
CA Insurance License #: OE27530
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My Goals-Based Process
Morgan Stanley's goal is to deliver first-class business in a first-class way. In everything I do, I am guided by our five core values: Do the right thing, put clients first, lead with exceptional ideas, commit to diversity and inclusion, and give back.
I strive to ensure my clients achieve their unique goals and desired financial future by helping them make sound investment decisions. Through each step of my personalized client process, I leverage my 20+ years of expertise and provide advice, insights and guidance to construct a plan designed specifically for you, your family and your legacy.
I strive to ensure my clients achieve their unique goals and desired financial future by helping them make sound investment decisions. Through each step of my personalized client process, I leverage my 20+ years of expertise and provide advice, insights and guidance to construct a plan designed specifically for you, your family and your legacy.
Services I Provide
FINANCIAL PLANNING: Financial planning encompasses a personalized, lifelong roadmap based on analyzing your goals, risk tolerance, desired retirement income, and more. I create a written document comparing various scenarios that show yearly projections of your finances. You can count on me to understand both your unique needs and any special circumstances you may have.
WEALTH MANAGEMENT: Using the vast array of resources Morgan Stanley offers, including investment vehicles such as stocks and bonds, and state-of-the-art technology, I will work to help maximize your rate of return over the years. In conjunction with your social security, 401(k) and pension choices, you can be assured your portfolio will be uniquely yours.
RETIREMENT PLANNING: From IRAs to RMDs, I manage the complexities of your retirement plan assets, helping you easily transition to the next phase of your life with security and confidence. I also evaluate your pension and 401(k) options.
EMPLOYEE COMPENSATION: Given the intricacies of employee compensation, I will work with you to make sure you are making the most of your compensation. For example, if you have a 401(k) from a previous job, I make it easy to consolidate your assets into one IRA account so you can monitor your progress and results all in one place.
WEALTH MANAGEMENT: Using the vast array of resources Morgan Stanley offers, including investment vehicles such as stocks and bonds, and state-of-the-art technology, I will work to help maximize your rate of return over the years. In conjunction with your social security, 401(k) and pension choices, you can be assured your portfolio will be uniquely yours.
RETIREMENT PLANNING: From IRAs to RMDs, I manage the complexities of your retirement plan assets, helping you easily transition to the next phase of your life with security and confidence. I also evaluate your pension and 401(k) options.
EMPLOYEE COMPENSATION: Given the intricacies of employee compensation, I will work with you to make sure you are making the most of your compensation. For example, if you have a 401(k) from a previous job, I make it easy to consolidate your assets into one IRA account so you can monitor your progress and results all in one place.
My Tailored Process
1. DISCOVERY AND ANALYSIS: We begin with an in-depth conversation about your financial concerns, needs, values and unique circumstances. My team and I will then work together to analyze the information gathered from our conversation to develop a personalized financial plan for you.
2. EVALUATION OF SCENARIOS AND GOALS: In an effort to make sure your plan is able to withstand various circumstances of life, I run scenarios on your plan and plot out potential major life expenses you may make to ensure that you will have the necessary savings.
3. PLAN PRESENTATION & IMPLEMENTATION: I evaluate your current financial picture, discuss with you how to optimize your plan, and create a roadmap to implement.
4. ADDITIONAL AGE-BASED PLAN: In retirement, you may incur unexpected healthcare costs you did not originally plan for. To help you stay prepared, I will formulate an additional plan to show how future healthcare costs may impact your finances.
5. ONGOING MONITORING: Since markets and personal needs evolve over time, I set up ongoing meetings to ensure your plan remains on track. You will also receive quarterly updates once your plan is monitored.
2. EVALUATION OF SCENARIOS AND GOALS: In an effort to make sure your plan is able to withstand various circumstances of life, I run scenarios on your plan and plot out potential major life expenses you may make to ensure that you will have the necessary savings.
3. PLAN PRESENTATION & IMPLEMENTATION: I evaluate your current financial picture, discuss with you how to optimize your plan, and create a roadmap to implement.
4. ADDITIONAL AGE-BASED PLAN: In retirement, you may incur unexpected healthcare costs you did not originally plan for. To help you stay prepared, I will formulate an additional plan to show how future healthcare costs may impact your finances.
5. ONGOING MONITORING: Since markets and personal needs evolve over time, I set up ongoing meetings to ensure your plan remains on track. You will also receive quarterly updates once your plan is monitored.
About Me and My Approach
My unique set of experience, knowledge and values enables me to provide you with the most effective strategies customized to your individual profile and needs. You can count on me to provide personalized, logical and scientific service.
My Personal, Multi-Generational Approach
My relationships begin with listening, and thus, I have developed strong connections with my clients. I have learned from their successes and mistakes and incorporate this experience when developing strategies for new clients.
Having known many of my clients for over 20 years, my practice now includes the children and grandchildren of many of my original clients.
Having known many of my clients for over 20 years, my practice now includes the children and grandchildren of many of my original clients.
My Expertise in the Planning Process
Financial planning is a collaborative process that extends far beyond simply managing an investment portfolio.
I believe in taking a methodical approach to planning to help you with a strategy that is personalized to your needs, flexible and responsive to the changes in your life over time, and comprehensive.
I will create your personal roadmap to help pursue and protect your goals — a framework that makes the connection between your life goals and your financial resources.
I believe in taking a methodical approach to planning to help you with a strategy that is personalized to your needs, flexible and responsive to the changes in your life over time, and comprehensive.
I will create your personal roadmap to help pursue and protect your goals — a framework that makes the connection between your life goals and your financial resources.
My Specialty in Impact Investing
I can help you integrate your values with your investment implementation.
Some goals I commonly work with are climate action, ESG integration, carbon emissions, and restriction screening. I work to make sure your investments align with your values.
Morgan Stanley has a tool called TQ that evaluates how aligned your current investments are in supporting your priorities.
Some goals I commonly work with are climate action, ESG integration, carbon emissions, and restriction screening. I work to make sure your investments align with your values.
Morgan Stanley has a tool called TQ that evaluates how aligned your current investments are in supporting your priorities.
My Unique Background in Journalism
I have a Bachelor's degree in Journalism with a specialty in Science and Technical Communication. My many years of experience combined with this degree allow me to be most effective as your Financial Advisor.
My background has provided me with a strong foundation in research, analysis and simplifying complex technical concepts, all of which are skills I apply when managing portfolios.
I explain financial topics to my clients in clear, easily understandable terms.
My background has provided me with a strong foundation in research, analysis and simplifying complex technical concepts, all of which are skills I apply when managing portfolios.
I explain financial topics to my clients in clear, easily understandable terms.
Financial Planning
The Morgan Stanley Wealth Management Process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan.
The sophisticated suite of tools and the extensive list of resources that Morgan Stanley offers allow me to implement the Morgan Stanley wealth management process and translate your goals into reality.
Whatever your financial goal - whether to grow your wealth, preserve it or pass it on to others, you can count on me to help.
The sophisticated suite of tools and the extensive list of resources that Morgan Stanley offers allow me to implement the Morgan Stanley wealth management process and translate your goals into reality.
Whatever your financial goal - whether to grow your wealth, preserve it or pass it on to others, you can count on me to help.
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 Management
Sustainable Investing
The Investing with Impact Platform delivers comprehensive and holistic wealth solutions for clients that seek to generate market-rate financial returns alongside positive environmental and social impact. I will help you craft an investment portfolio tailored to meet the goals of your choice.
Long-Term Care Insurance
Healthcare can become the most costly expense as you age. I will evaluate if you want to self-pay or have long-term care insurance. I will compare the three most common types of long-term care insurance and choose the best strategy for you.
Cash Management
Cash management is just as important as understanding the portfolio that is being built for you. As a Morgan Stanley client, you have access to a comprehensive suite of cash management solutions. With personalized advice and service from me, you will be able to manage your cash management needs alongside your long-term investments.
Valuable Tools and Resources:
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies that we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read The Latest Report
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn About Our Planning Tools
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest Report
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security Center
The Morgan Stanley Minute
Explore our 1-minute investment insights videos, in this on-going series, from our firm’s leading thinkers. Discover current investment trends and topics like green bonds, active investment, monetizing small businesses, cybercrime and more.
Morgan Stanley Minute
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest Episode
2025 Global Economic Outlook: U.S. Policies May Temper Global Growth
Global growth is likely to be around 3% in 2025 and 2026, as tariff and immigration policies begin to slow the U.S. economy late next year, and China’s underperformance restrains emerging markets.
View 2025 Global Economic Outlook
2025 Investment Outlook: Get Ready to Pivot
A stable global economy is likely to benefit equity and fixed-income markets, though increased uncertainty around U.S. tariffs and immigration policy could jeopardize markets’ recent gains.
2025 Investment OutlookLocation
1650 Tysons Blvd
Suite 1000
McLean, VA 22102
US
Direct:
(703) 556-8181(703) 556-8181
Fax:
(703) 822-5851(703) 822-5851
Meet My Team
Benjamin Brennan, Certified Financial Planner
Group Director
Phone:
(703) 556-8185(703) 556-8185
Van Tran
Registered Client Service Associate
Phone:
(703) 556-8141(703) 556-8141
Deji Onitiri
Registered Client Service Associate
Phone:
(703) 556-6373(703) 556-6373
Joey Veizaga-Soto
Registered Client Service Associate
Phone:
(703) 394-1957(703) 394-1957
Lucile Ionescu
Phone:
(703) 556-6383(703) 556-6383
About Sharayah Reed
With over a decade of experience in the financial services industry, Sharayah has a diverse background that has included banking, lending, and brokerage services. Sharayah began her career at Wells Fargo in 2012, where she held the role of Private Banker. She joined Morgan Stanley in January 2020 and is passionate about providing the highest level of service to all clients.
Sharayah is a 2012 alumna of Old Dominion University where she earned her Bachelor of Science in Interdisciplinary Studies. She was born and raised in Winchester, Virginia, and currently resides in Winchester with her children, Liam and Mila. Sharayah and family are food enthusiasts and love trying new establishments, unique cuisines, and introducing the children to a variety of foods. In her free time, she enjoys watching her son play soccer, her daughter in gymnastics, reading a good book, and journaling.
Sharayah is a 2012 alumna of Old Dominion University where she earned her Bachelor of Science in Interdisciplinary Studies. She was born and raised in Winchester, Virginia, and currently resides in Winchester with her children, Liam and Mila. Sharayah and family are food enthusiasts and love trying new establishments, unique cuisines, and introducing the children to a variety of foods. In her free time, she enjoys watching her son play soccer, her daughter in gymnastics, reading a good book, and journaling.
About Benjamin Brennan
As Group Director of the MSCT, Ben is responsible for oversight of all client service related matters, client relationship management, account maintenance, and practice management. Ben is committed to delivering the highest level of professionalism and exemplary service in every client interaction. He prides himself on understanding clients’ specific needs, developing solutions collaboratively, and communicating those solutions efficiently with the client.
Ben is a 2014 graduate from Franklin and Marshall College in Lancaster, PA with a major in Business and a minor in Economics. After graduation, he became Series 7 and 66 registered, insurance licensed, and has held the CFP® designation since 2018. Ben has 10+ years of experience with Morgan Stanley as a registered client service associate, with particular interest in business development and financial planning.
Ben has one son, Theo, and is happiest when spending time with him!
Ben is a 2014 graduate from Franklin and Marshall College in Lancaster, PA with a major in Business and a minor in Economics. After graduation, he became Series 7 and 66 registered, insurance licensed, and has held the CFP® designation since 2018. Ben has 10+ years of experience with Morgan Stanley as a registered client service associate, with particular interest in business development and financial planning.
Ben has one son, Theo, and is happiest when spending time with him!
About Van Tran
Van joined Morgan Stanley in summer 2025 right after her graduation from Hobart and William Smith Colleges, located upstate New York, with a double major in Economics and Mathematics. Originally came from Vietnam, Van has a diverse background and can speak fluently English, Vietnamese, and conversational level of French.
Joining the Wealth Management team, Van serves as a Client Services Associate to support the team and clients. She is currently holding the SIE, the Series 66, and will soon obtain the Series 7. Outside of work, Van loves working out, hanging out with friends and families, travelling, and exploring different local cuisines.
Joining the Wealth Management team, Van serves as a Client Services Associate to support the team and clients. She is currently holding the SIE, the Series 66, and will soon obtain the Series 7. Outside of work, Van loves working out, hanging out with friends and families, travelling, and exploring different local cuisines.
About Deji Onitiri
Deji graduated from New York University in 2023, with a major in Sports Management. He was born in England and currently resides in Rockville, Maryland. He holds his Series 7 and Series 66 licenses. Outside of work, Deji enjoys watching documentaries, trying new restaurants, and staying physically active.
About Joey Veizaga-Soto
Joey received his bachelor’s degree in economics from James Madison University in the summer of 2024. He joined Morgan Stanley as a Registered CSA and is part of the Wealth Management team. He grew up in Falls Church, VA. He holds his SIE license, Series 66 license, Series 7 license and VA Life, Annuity, and Health Insurance license. Joey is committed to providing the highest level of professionalism and service when it comes to having those client interactions. He is also fluent in Spanish.
Outside of work, Joey plays soccer on weekends and weekdays as he's part of an FXA team. He loves to spend time with his family and loves to eat his moms homemade food every afternoon. He loves spending time with his dog Milo, especially when they go on their daily long walks.
Outside of work, Joey plays soccer on weekends and weekdays as he's part of an FXA team. He loves to spend time with his family and loves to eat his moms homemade food every afternoon. He loves spending time with his dog Milo, especially when they go on their daily long walks.
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
Article Image
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
Article Image
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
Article Image
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
Article Image
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 Leila Mathur Peck today.
1Morgan 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.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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.
5Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
6When 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.
7Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
8Morgan 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.
9Morgan 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.
10Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
11Morgan 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
12Morgan 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.
13An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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.
5Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
6When 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.
7Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
8Morgan 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.
9Morgan 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.
10Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
11Morgan 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
12Morgan 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.
13An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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)
