Jacob Rohrer
Registered Client Service Associate
Phone:
(415) 984-6571(415) 984-6571
Industry Award WinnerMy Mission Statement
We develop strategic solutions for successful individuals and families with complex financial situations. Backed by the global resources of Morgan Stanley, and through the lens of your financial plan, our goal is simple: to help you navigate through life’s stages and make a positive impact for you and your family.
My Story
Finding Balance in a Complex Financial World
As a Financial Advisor and a working mom, I understand how challenging it can be to strike the right balance between professional success, family life, and future planning. As your wealth and responsibilities grow, so does the complexity of your financial life. Strategic, long-term planning often takes a back seat to life's more immediate demands.
That's where I come in. My mission is to simplify the financial process so you can focus on what matters most - whether that's growing your business, planning your next adventure, or simply enjoying more time with the people you love.
A Relationship Built on Shared Values
What I enjoy most about my work is the deep, personal relationships I build with my clients. Over time, I've discovered that many of us share similar values and passions. One of mine is travel - I've explored all seven continents and visited over 50 countries. From cage diving with great white sharks in Africa to volunteering in Central and South America, and taking the polar plunge in Antarctica, I believe in the value of bold, thoughtful experiences.
These shared life moments help me connect with clients on a deeper level - and guide them with financial strategies that reflect what truly matters to them.
Credentials That Complement a Personal Touch
I earned by BA in Economics from Boston College and my MBA in Finance from the University of Southern California. I joined Morgan Stanley to combine my analytical expertise with a genuine desire to help individuals and families build secure, purpose-driven financial futures.
I have built a thriving financial advisory business, and I am honored to be named to the Forbes Top Women Advisors Best-In-State for 2024, 2025, and 2026 - recognition that reflects both the trust of my clients and the strength of the partnerships we've built.
Your Unique Path, Fully Supported
No matter where you are in your journey or how complex your situation may be, my goal remains the same: to help you find balance, simplify the process, and build a financial future that supports the life you truly want to live.
By leveraging the powerful resources of Morgan Stanley, I provide perspective and advice that go far beyond traditional investment management - so you can make decisions with clarity and confidence.
2026 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In-State Sources: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC based for the period 9/30/23–9/30/24. https://www.morganstanley.com/disclosures/awards-disclosure/ 2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State Source: Forbes.com (Awarded Feb 2024) Data compiled by SHOOK Research LLC for the period 9/30/22 - 9/30/23. https://www.morganstanley.com/disclosures/awards-disclosure/
Securities Agent: MI, FL, TX, NM, NV, AZ, TN, GA, WA, NC, IL, DC, PA, CT, WI, CA, OR, NY, MO, CO, MT, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 1253088
CA Insurance License #: 0I58297
NMLS#: 1253088
CA Insurance License #: 0I58297
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Women Without Limits
I am committed to creating opportunities for women in their careers, their wealth planning and their communities. I have explored and experienced the nuances of wealth management and financial development as it applies to women both as an advisor and as an individual. I am committed to being a part of the effort in closing the gap and helping empower females throughout every stage of their lives, with tangible resources, advice and stories.
Planning for Your Financial Future
Women make up half the population but for so long have been treated like a niche demographic in financial services. Today, women are largely responsible for their families’ financial decision-making, and we hold the majority of consumer spending power. Certainly, we are anything but a niche.
Learn More
Retirement Planning for Women
Women face unique challenges in preparing for retirement, from career breaks to longer life expectancy, and often have less saved than men. Understanding these obstacles can help women take control of their financial future.
Learn More
Financial Tips for Daughters
Teaching your daughters to take control of her finances early can make a big difference. From negotiating her salary to understanding her investments, these tips help build confidence, independence, and long-term financial security.
Learn More
7 Strategies to Overcome Financial Challenges Women Face
Financial empowerment starts with knowledge and action. Learn how women can take charge of their finances, invest with confidence, and build long-term wealth.
Learn More
What Should I Do With My Money
Managing your finances doesn't have to be overwhelming - small decisions can lead to a big impact. Tune in to this podcast for expert insights on budgeting, investing, and building wealth.
Learn More
529 Plans: A Powerful Tool to Save for Education
With costs so high, many students and parents are taking on significant student loan debt to pay for college. Roughly two-thirds of college seniors who graduated in 2018 did so with loans, with an average debt burden of $29,200. Though education costs continue to climb, starting to save early can make a difference.
Learn MoreWhat You Can Expect
My guiding principles listed below are my standards of conduct and the foundation of my practice. They are my commitment to you.
- I am passionate about helping people: At the heart of what I do is my desire to help you and make a positive impact on your life.
- I believe clients come first: My responsibility to you is to act in your best interest at all times.
- I live up to my commitments: I take my commitments seriously, including my commitment to deliver superior client service to you.
- I practice open and honest communication: I communicate with you regularly and don't shy away from difficult discussions.
The bottom line: My team and I treat you with respect and care and we are rewarded by your respect and trust.
Discovery
You can expect me to spend time getting to know you, your family, your business, your career, and your values. It's essential for me to know what is important in your life in order to build financial plans and wealth strategies that are tailored to your needs.
Approach
You can expect me to take a collaborative, transparent, and holistic approach to every issue we tackle. I will help you to strike a balance between risk and reward, between short-term requirements and long-term needs, between family obligations, business needs, and personal goals and dreams.
Integration
Once I recommend the investment part of your strategy, I take time to make sure you are educated on the investments. I want to ensure you understand the strategy and are comfortable with it. Since life has a way of throwing curves, we'll allow room for new opportunities to arise.
Ease
At every step, with every interaction, we will develop financial strategies to address your immediate concerns and bridge the gap from where you are today to the future you envision. Every client deserves exceptional service. I aim to go above and beyond to answer your questions, solve your problems, and provide you with the very best options we can find. I am committed to being there for you in times of celebration, transition, and sorrow.
Areas of Focus
Corporate Executives
I have knowledge working with corporate executives with insider and restricted equity and can help you navigate the requirements of 10b5-1 rules and concentrated stock position management.
Executive Services
Education Planning
I enjoy helping the families I work with achieve their goals, not only financially but in all aspects of their life. Planning for higher education is one of the many goals I take pride in assisting my clients with, and seeing these goals turn into achievements inspires me to go above and beyond for my clients.
Education Savings Plan
Intergenerational Wealth Planning
Highly-skilled accountants and estate attorneys are vital to constructing sound wealth-transfer plans, but sometimes it is the investment matters these professionals cannot address that pose the greatest challenges, which is where I come in to help.
Family Office Resources
Tax Management
The tax decisions you make today can help you save for years to come. There are many tax smart strategies we can utilize for your financial plan.
Tax Efficient Investing
Divorce
Helping clients through their more difficult life events is very important to me and defines the type of relationship I hold with each client. As your financial advisor though a divorce, I will work towards protecting your future assets and easing the concerns that coincide with this life shift.
Six Financial Mistakes to Avoid
Trust and Estate Planning
During this difficult time, my priority to clients is a delicate and dedicated support system, providing you with not only financial, but emotional relief
Estate Planning EssentialsStrengths and Resources of Morgan Stanley
Our Core Values
Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values.
Five Core Values
A Track Record of Success
Watch various episodes that capture Morgan Stanley's success during eras of both prosperity and strife throughout our 87 year history.
Morgan Stanley Docu-Series
Cybersecurity for Families
Whatever your cybersecurity needs, our innovate technology can help you evaluate the particular challenges of your situation to best address the vital issue of staying safe in an increasingly complex digital world.
Security Center
How We Give Back
Morgan Stanley is dedicated to giving back to our communities. Our firm has donated millions of meals across the country, and there has been an increased effort to solve food insecurity during the Covid-19 Pandemic.
Giving Back
Exceptional Leaders / Exceptional Ideas
In this engaging series from Morgan Stanley Research, the firm’s equity analysts sit down with business leaders at world-class global companies to unpack broad foundational changes in sectors, industries and markets.
Exceptional LeadersLocation
555 California St 35th
35th Floor
San Francisco, CA 94104
US
Direct:
(415) 955-1569(415) 955-1569
Fax:
(415) 202-6470(415) 202-6470
Meet My Team
About Jacob Rohrer
Jacob has been working in financial services for roughly four years. Prior to joining Morgan Stanley, he began his career while still in school as an intern at a high-net-worth multi-family office, supporting both the wealth management and accounting teams. Upon graduation, he started full time as a treasury analyst at a private investment firm, assisting the company in short term cash management and funding investments.
Jacob began his role at Morgan Stanley in January of 2023. As a Registered Client Service Associate, Jacob is the first voice many clients hear when they call the firm. His responsibilities include cultivating and enhancing new and existing client relationships through active communication, processing client requests, helping resolve inquiries, and performing administrative duties.
A native of Sacramento, California, he lived there until he decided to study finance at The University of Colorado Boulder. While a student, he represented the Buffs playing club soccer and was a member of the Leeds Investment and Trading Group. Upon graduating in 2020, he lived in Denver until moving to San Francisco in 2024. He enjoys his free time playing soccer, skiing the state’s beautiful mountains, and being an above average bedroom guitarist.
Jacob began his role at Morgan Stanley in January of 2023. As a Registered Client Service Associate, Jacob is the first voice many clients hear when they call the firm. His responsibilities include cultivating and enhancing new and existing client relationships through active communication, processing client requests, helping resolve inquiries, and performing administrative duties.
A native of Sacramento, California, he lived there until he decided to study finance at The University of Colorado Boulder. While a student, he represented the Buffs playing club soccer and was a member of the Leeds Investment and Trading Group. Upon graduating in 2020, he lived in Denver until moving to San Francisco in 2024. He enjoys his free time playing soccer, skiing the state’s beautiful mountains, and being an above average bedroom guitarist.
Awards and Recognition
Forbes America's Top Women Wealth Advisors
Forbes America's Top Women Wealth Advisors Source: Forbes.com (Awarded Feb 2024) Data compiled by SHOOK Research LLC for the period 9/30/22 - 9/30/23.
Forbes Top Women Wealth Advisors Best-In-State
2024-2026 Forbes Top Women Wealth Advisors Best-In-State Source: Forbes.com (Awarded 2024-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in September of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisors
Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2026) Data compiled by SHOOK Research LLC for the period 6/30/24-6/30/25.
3
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
Rosana Vantuyl
Private Banker | Market Manager
Hasan Dossaji
Planning Associate
About Rosana Vantuyl
Rosana Vantuyl is a Private Banker | Market Manager serving Morgan Stanley Wealth Management offices in California.
Private Banker | Market Managers partner with Financial Advisors/ Private Wealth Advisors (collectively “Advisors”) to deliver specialized cash management and lending solutions, while strategically leading sales activity and deepening client engagement across Wealth Management markets to drive growth aligned with long-term business objectives.
Rosana began her career in financial services in 2010 and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch.
Rosana is a graduate of the University of Oregon, where she received a Bachelor of Science in Psychology. She lives in San Francisco, California with her family. Outside of the office, Rosana enjoys traveling, the outdoors, and spending time with her family.
Private Banker | Market Managers partner with Financial Advisors/ Private Wealth Advisors (collectively “Advisors”) to deliver specialized cash management and lending solutions, while strategically leading sales activity and deepening client engagement across Wealth Management markets to drive growth aligned with long-term business objectives.
Rosana began her career in financial services in 2010 and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch.
Rosana is a graduate of the University of Oregon, where she received a Bachelor of Science in Psychology. She lives in San Francisco, California with her family. Outside of the office, Rosana enjoys traveling, the outdoors, and spending time with her family.
NMLS#: 637533
About Hasan Dossaji
Hasan Dossaji 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. Hasan 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 University of Illinois at Urbana-Champaign and received the Financial Planning Specialist® Designation from the College for Financial Planning. Hasan is originally from Schaumburg, Illinois and currently resides in Chicago, Illinois.
He earned his undergraduate degree from University of Illinois at Urbana-Champaign and received the Financial Planning Specialist® Designation from the College for Financial Planning. Hasan is originally from Schaumburg, Illinois and currently resides in Chicago, Illinois.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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
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 Lisa Zengel 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 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.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5When 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.
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 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.
7Morgan 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.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 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.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5When 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.
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 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.
7Morgan 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.
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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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)