Charlie Londa, MBA
Private Wealth Advisor, Executive Director, Family Wealth Director, Alternative Investments Director, Founders Specialist
Phone:
(281) 362-4707(281) 362-4707
Morgan Stanley Private Wealth Management
Londa Thibault Parker Group
Direct:
(281) 362-4761(281) 362-4761
Industry Award WinnerOur Mission Statement
Our team delivers the experience, resources and personalized services to assist affluent families address their most complex wealth management issues.
A one of a kind group within a global firm, the Londa Thibault Parker Group is optimized to deliver sophisticated and customized solutions to its clients.
A one of a kind group within a global firm, the Londa Thibault Parker Group is optimized to deliver sophisticated and customized solutions to its clients.
Welcome
The Londa Thibault Parker Group manages the wealth of the exceptional people that we are privileged to serve. We work alongside our clients and their loved ones to understand their goals, objectives, while providing timely advice to create precise, bespoke actionable plans.
Combining our team’s experience and perspective with the unmatched capabilities of Morgan Stanley’s Private Wealth Management, we solve the many complex, multigenerational challenges of managing wealth. Additionally, we serve our clients with the attentive and unfailingly competent service they deserve.
We take a holistic approach grounded in investment strategy, while covering virtually every aspect of your financial life: risk management, liabilities, trusts and estate structures and even family dynamics and lifestyle management issues. Our goal is to help preserve and grow your financial capital for the greatest positive impact today and future generations. Our clients have access to many of the most seasoned and respected investment professionals offering premier traditional and alternative investment solutions.
This is just the beginning, as we believe in building long-term, meaningful relationships by helping you in a multifaceted way. It truly is an honor to work with the business owners, executives, and families that constitute our client base.
Charlie (The Woodlands), Jeff (Williams Tower), Jonathan (Downtown), Justin (Williams Tower), and Lauren (The Woodlands) look forward to learning more about you and your family, discussing the resources we can provide, while making certain we are the right team for you.
Combining our team’s experience and perspective with the unmatched capabilities of Morgan Stanley’s Private Wealth Management, we solve the many complex, multigenerational challenges of managing wealth. Additionally, we serve our clients with the attentive and unfailingly competent service they deserve.
We take a holistic approach grounded in investment strategy, while covering virtually every aspect of your financial life: risk management, liabilities, trusts and estate structures and even family dynamics and lifestyle management issues. Our goal is to help preserve and grow your financial capital for the greatest positive impact today and future generations. Our clients have access to many of the most seasoned and respected investment professionals offering premier traditional and alternative investment solutions.
This is just the beginning, as we believe in building long-term, meaningful relationships by helping you in a multifaceted way. It truly is an honor to work with the business owners, executives, and families that constitute our client base.
Charlie (The Woodlands), Jeff (Williams Tower), Jonathan (Downtown), Justin (Williams Tower), and Lauren (The Woodlands) look forward to learning more about you and your family, discussing the resources we can provide, while making certain we are the right team for you.
Capabilities
- Comprehensive Wealth Planning
- Pre-Liquidity Planning
- Tax, Trust & Estate AdvisoryFootnote1
- Open-Architecture Platform
- Asset AllocationFootnote2
- Manager Selection
- Proprietary Investment Opportunities
- Cash Management & LendingFootnote3
- Securities Based LendingFootnote4
- Consolidated Reporting
- Tailored LendingFootnote5
- Insurance SolutionsFootnote6
- Hedging Strategies
- Risk Management
- Philanthropy Management
- Sustainable & Responsible InvestingFootnote7
- Lifestyle Advisory ServicesFootnote8
- Family Governance & Wealth Education
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
About PWM
Founded in 1977, Private Wealth Management is the division of Morgan Stanley Wealth Management that is dedicated to serving the firm’s most affluent clients, including some of the world’s most accomplished entrepreneurs, executives and stewards of multigenerational wealth. Functioning as an exclusive investment boutique within a global financial firm, we deliver sophisticated solutions that leverage the intellectual capital and insight of Morgan Stanley’s substantial global resources. Drawing on a deep understanding of your financial life, our goal is to help you:
- Manage investments with an unwavering focus on your financial strategy and personal goals
- Create comprehensive, multigenerational wealth management plans based on your needs, challenges and the values that guide your life and legacy
- Simplify financial complexity to help you achieve clarity and control
Private Wealth Management Highlights
- Approximately 350 teams1 specialized in assisting individuals and families with $20MM+ in investable assets
- Over $980 billion in AUM1
- Comprising 23% of the Barron’s Top 250 Private Wealth Management Teams for 2024
- Direct access to ultra high net worth experts in philanthropy, family dynamics, wealth transfer, lifestyle advisory and other areas of interest to ultra high net worth families
1 Morgan Stanley Wealth Management, December, 2024
Source: Barron's.com (May 2024) 2024 Barron's Top 250 Private Wealth Management Teams awarded in 2024. The teams are ranked on a variety of factors, including their size and shape, their regulatory records and credentials of their members, and the resources they have at their disposal to serve their client bases. The rankings are meant as a starting point for clients looking for an advisor—a first-pass vetting that can help investors narrow a search. Every advisor will have his or her own approach to investing, financial planning, and other services. Clients are encouraged to approach a search for an advisor the way they would a search for a doctor—interviewing multiple professionals and getting opinions from multiple third parties. Rankings are based on the opinions of Barron's and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
Approach
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Alternative Investments
Alternatives are the investments that go beyond traditional stocks and bonds. They can open doors to unique opportunities to help grow and protect your wealth, and have long sought to offer enhanced returns, portfolio diversification, lower volatility, as well as potential tax efficiency.
Morgan Stanley Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income; all while maintaining a goals-based approach for asset allocation.
Our Hedge Funds Platform
Our platform offers world-renowned hedge fund managers specializing in a variety of strategies. Hedge funds have become increasingly popular with a broader segment of the investing public due to their ability to offer diversification and higher potential returns when compared to traditional equity investments.
Private Markets Transaction Desk
Morgan Stanley Wealth Management announced the launch of its Private Markets Transaction Desk, a concierge service that empowers eligible shareholders and investors to buy and sell eligible private company shares in the secondary market.
Private Equity
Amid volatility in stocks and bonds, institutional and individual investors might seek diversification in the growing private equity secondaries market.
1031 Exchanges
Thinking about selling a home or investment property. It may be worth exploring how a 1031 exchange could factor into your plans. Learn more about 1031 Exchanges and the benefits that they can offer.
Total Tax 365
Morgan Stanley continues to be a leader in both Alternative Investments and tax-advantaged solutions and services. Alternative Investments can do more than generate returns that are less dependent on the direction of the broader stock and bond markets. They also offer qualified investors a more versatile set of strategies for pursuing their goals.
Location
845 Texas Avenue
Suite 1810
Houston, TX 77002
US
Direct:
(281) 362-4761(281) 362-4761
24 Waterway Ave
Suite 600
The Woodlands, TX 77380
US
2800 Post Oak Blvd
Suite 3200
Houston, TX 77056
US
Meet Londa Thibault Parker Group
Jeff Thibault, CFP®, CIMA®, ChFC®, CLU®
Executive Director, Private Wealth Advisor, Alternative Investments Director, Family Wealth Director, Lending Specialist
Phone:
(713) 966-2179(713) 966-2179
Justin Cox
Financial Advisor, Associate Vice President, Financial Planning Specialist
Phone:
(713) 499-2008(713) 499-2008
Laura Brigman
PWM Wealth Management Associate
Phone:
(281) 362-4761(281) 362-4761
Carlos Aviles
PWM Registered Client Service Associate
Phone:
(713) 699-2151(713) 699-2151
About Charlie Londa, MBA
As a Private Wealth Advisor and Family Wealth Director, Charlie works closely with foundations, trusts, affluent individuals, and families to develop and implement customized financial strategies to help them reach their unique goals. Charlie has more than 40 years of experience in the financial services industry and has been with Morgan Stanley Private Wealth Management since 2002. From the University of Houston’s Cullen College of Engineering, Charlie holds a Bachelor of Science degree in chemical engineering and a master’s degree from the C.T. Bauer College of Business. Charlie lives in The Woodlands, TX, with his wife and enjoys traveling, golf, reading and a love of The Texas Hill County and the American Southwest. His three children are married and live in Idaho and Texas. He has four grandchildren. Charlie is active in his church and supports several philanthropic organizations. He and his wife are members of The Club at Comanche Trace in Kerrville, TX.
Address: 24 Waterway Ave., Ste. 600, The Woodlands, TX 77380; Direct: 281-362-4707
Address: 24 Waterway Ave., Ste. 600, The Woodlands, TX 77380; Direct: 281-362-4707
Securities Agent: OK, ID, VA, NY, LA, FL, SC, CO, OH, MN, DE, WA, TX, ME, IL, CA, UT, MO, AZ, NJ, MT, MA, GA, PA, NM, NE, HI, WY, NC, MI, RI; General Securities Principal; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1282364
NMLS#: 1282364
About Jeff Thibault
As a seasoned Private Wealth Advisor and Family Wealth Director, Jeff Thibault brings over three decades of experience delivering tailored financial strategies to high-net-worth individuals, families, foundations, and family offices. He specializes in navigating the unique complexities of multigenerational wealth, estate planning, and investment management; ensuring that each client’s financial legacy is both protected and optimized for the long term.
Since joining Morgan Stanley in 2002, Jeff has built a reputation for providing sophisticated advice that integrates traditional and alternative investment solutions, risk management frameworks, and tax-efficient strategies. His deep understanding of family dynamics, coupled with a disciplined approach to wealth preservation, allows him to serve as a trusted advisor across generations.
Jeff holds a bachelor’s degree from the University of Texas at Austin and maintains several advanced designations, including CERTIFIED FINANCIAL PLANNERTM (CFP®), Certified Investment Management Analyst® (CIMA®), Chartered Financial Consultant® (ChFC®), and Chartered Life Underwriter® (CLU®)—demonstrating his commitment to ongoing education and professional excellence.
A Houston resident since 1981, Jeff is a proud alumnus of the University of Texas Swim Team, which won three national championships during his collegiate career. Outside of work, he enjoys golf, staying active, and traveling with his wife and two adult children. He is also an active supporter of his local church and contributes to a variety of charitable organizations.
Since joining Morgan Stanley in 2002, Jeff has built a reputation for providing sophisticated advice that integrates traditional and alternative investment solutions, risk management frameworks, and tax-efficient strategies. His deep understanding of family dynamics, coupled with a disciplined approach to wealth preservation, allows him to serve as a trusted advisor across generations.
Jeff holds a bachelor’s degree from the University of Texas at Austin and maintains several advanced designations, including CERTIFIED FINANCIAL PLANNERTM (CFP®), Certified Investment Management Analyst® (CIMA®), Chartered Financial Consultant® (ChFC®), and Chartered Life Underwriter® (CLU®)—demonstrating his commitment to ongoing education and professional excellence.
A Houston resident since 1981, Jeff is a proud alumnus of the University of Texas Swim Team, which won three national championships during his collegiate career. Outside of work, he enjoys golf, staying active, and traveling with his wife and two adult children. He is also an active supporter of his local church and contributes to a variety of charitable organizations.
Securities Agent: MA, NC, MT, AZ, NY, IL, OH, ME, HI, TX, SC, RI, PA, OK, CO, NJ, MO, LA, CA, MI, FL, GA, AL, WY, VA, DE, WA, NM, NE; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1282496
NMLS#: 1282496
About Justin Cox
Justin Cox is an Associate Vice President, Financial Planning Specialist, Portfolio Manager, and Financial Advisor. Justin believes in providing a holistic wealth management practice focusing on areas from investment management, insurance and long-term care, cash management, tailored lending and retirement planning. Justin has been a member of the Pacesetter's Club since 2020. Prior to joining Morgan Stanley in 2016, Justin worked as a Sourcing Specialist for National Oilwell Varco and Distribution NOW.
A native Houstonian, Justin grew up in the Kingwood area. Justin graduated from Texas A&M University with a Bachelor’s in Economics. In his free time, he enjoys live music, traveling and spending time with his wife Kathryn, sons Carter and Jordan, and their dog Jack.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
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
A native Houstonian, Justin grew up in the Kingwood area. Justin graduated from Texas A&M University with a Bachelor’s in Economics. In his free time, he enjoys live music, traveling and spending time with his wife Kathryn, sons Carter and Jordan, and their dog Jack.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
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
Securities Agent: CA, NE, NC, FL, NY, GA, MI, MA, VA, MN, OK, IL, CO, PA, OH, WA, HI, AZ, RI, NJ, DE, TX, TN, SC, MS, ME, MT, LA, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 1560665
NMLS#: 1560665
About Laura Brigman
As a business veteran with more than 22 years of management and administration experience, Laura joined Morgan Stanley in 2013 and has been an integral member of the firm.
Laura provides exceptional service at every step of our client experience, and leads with professionalism. Currently our team lead for service, she also serves as our Portfolio Associate, and is extremely knowledgeable with all document processing, Cash Management and Banking, Alternative Investment Management, and Donor Advised accounts, among many other areas.
While her family was originally from Iowa, she lived overseas in Egypt and Nigeria as a child before returning to the United States in 1985. Laura currently lives just outside of The Woodlands with her husband, two children, Main Coon cat Saint, and Labrador Retriever Goose. In her free time she is a massive football fan and loves to watch the Saints, Iowa Hawkeyes, and Southern Mississippi Golden Eagles.
Laura provides exceptional service at every step of our client experience, and leads with professionalism. Currently our team lead for service, she also serves as our Portfolio Associate, and is extremely knowledgeable with all document processing, Cash Management and Banking, Alternative Investment Management, and Donor Advised accounts, among many other areas.
While her family was originally from Iowa, she lived overseas in Egypt and Nigeria as a child before returning to the United States in 1985. Laura currently lives just outside of The Woodlands with her husband, two children, Main Coon cat Saint, and Labrador Retriever Goose. In her free time she is a massive football fan and loves to watch the Saints, Iowa Hawkeyes, and Southern Mississippi Golden Eagles.
About Carlos Aviles
Carlos joined Morgan Stanley in 2023, bringing a lifelong interest of the financial world to his professional journey. Prior to joining Morgan Stanley, he was in sales/retail banking, where he developed a client-first mindset and a deep understanding of personalized service. He believes in building strong relationships with clients through trust, education, and exceptional service support. Carlos is a native Houstonian, growing up in the Cypress area. Outside of the office, he enjoys bike riding on Houston’s trails, outdoor activities, exploring new restaurants, and unwinding with a good movie or television show.
Contact Charlie Londa, MBA
Contact Jeff Thibault
Contact Justin Cox
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.
Private Wealth Management
Professional Insights
Fiduciaries in Focus - Endowments and Foundation After the OBBBA
Wealth Management
Global Investment Office
Portfolio Insights
Private Wealth Management Podcast
Bringing you engaging stories and key insights surrounding the complexities associated with significant wealth, including:
- Intergenerational Planning
- Philanthropic Giving
- Non-Traditional Assets
- Managing Family Wealth
LISTEN | Passion Assets: Investing in Art
Article Image
Managing Significant Wealth
- Investment Management
- Wealth Transfer & Philanthropy
- Cash Management & Lending
- Family Governance & Wealth Education
- Lifestyle Advisory
- Business Services
Insights and Outcomes
Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
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 and its affiliates and their employees (including Financial Advisors and Private Wealth Advisors) are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.
2Asset Allocation does not assure a profit or protect against loss in declining financial markets.
3Morgan 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
4Borrowing against securities may not be appropriate for everyone. You should be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures below.
Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Important Risk Information for Securities Based Lending: You need to understand that: (1) Sufficient collateral must be maintained to support your loan(s) and to take future advances; (2) You may have to deposit additional cash or eligible securities on short notice; (3) Some or all of your securities may be sold without prior notice in order to maintain account equity at required maintenance levels. You will not be entitled to choose the securities that will be sold. These actions may interrupt your long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as “Morgan Stanley”) reserves the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase your collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason.
With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan.
5Tailored Lending is a loan/line of credit product offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. A Tailored Lending credit facility may be a committed or demand loan/line of credit. All Tailored Lending loans/lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Tailored Lending loans/lines of credit may not be available in all locations. Rates, terms, and programs are subject to change without notice. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is a Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. The proceeds from a Tailored Lending loan/line of credit (including draws and other advances) may not be used to purchase, trade, or carry margin stock; repay margin debt that was used to purchase, trade, or carry margin stock; and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
8Morgan Stanley Smith Barney LLC (the “Firm”) and its affiliates do not currently offer the services provided by this Service Provider(s). The Service Provider(s) is not an affiliate of the Firm. Any review of the Service Provider(s) performed by the Firm was based on information from sources that we believe are reliable but we cannot guarantee its accuracy or completeness. This referral should in no way be considered to be a solicitation by the Firm for business on behalf of the Service Provider(s). The Firm makes no representations regarding the appropriate or otherwise of the products or services provided by the Service Provider(s). There may be additional service providers for comparative purposes. If you choose to contact the Service Provider(s), do thorough due diligence, and make your own independent decision.
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.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
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.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products 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.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
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
Awards Disclosures | Morgan Stanley
1Morgan Stanley Smith Barney LLC and its affiliates and their employees (including Financial Advisors and Private Wealth Advisors) are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.
2Asset Allocation does not assure a profit or protect against loss in declining financial markets.
3Morgan 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
4Borrowing against securities may not be appropriate for everyone. You should be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures below.
Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Important Risk Information for Securities Based Lending: You need to understand that: (1) Sufficient collateral must be maintained to support your loan(s) and to take future advances; (2) You may have to deposit additional cash or eligible securities on short notice; (3) Some or all of your securities may be sold without prior notice in order to maintain account equity at required maintenance levels. You will not be entitled to choose the securities that will be sold. These actions may interrupt your long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as “Morgan Stanley”) reserves the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase your collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason.
With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan.
5Tailored Lending is a loan/line of credit product offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. A Tailored Lending credit facility may be a committed or demand loan/line of credit. All Tailored Lending loans/lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Tailored Lending loans/lines of credit may not be available in all locations. Rates, terms, and programs are subject to change without notice. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is a Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. The proceeds from a Tailored Lending loan/line of credit (including draws and other advances) may not be used to purchase, trade, or carry margin stock; repay margin debt that was used to purchase, trade, or carry margin stock; and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
8Morgan Stanley Smith Barney LLC (the “Firm”) and its affiliates do not currently offer the services provided by this Service Provider(s). The Service Provider(s) is not an affiliate of the Firm. Any review of the Service Provider(s) performed by the Firm was based on information from sources that we believe are reliable but we cannot guarantee its accuracy or completeness. This referral should in no way be considered to be a solicitation by the Firm for business on behalf of the Service Provider(s). The Firm makes no representations regarding the appropriate or otherwise of the products or services provided by the Service Provider(s). There may be additional service providers for comparative purposes. If you choose to contact the Service Provider(s), do thorough due diligence, and make your own independent decision.
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.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
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.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products 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.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
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
Awards Disclosures | Morgan Stanley
CRC 4237142 (02/2025)