Charlie Londa, CIMA®
Private Wealth Advisor, Executive Director, Family Wealth Director, Alternative Investments Director
Phone:
(281) 362-4707(281) 362-4707
Morgan Stanley Private Wealth Management
Londa Thibault Parker Group
Our 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), and Justin(Williams Tower), 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), and Justin(Williams Tower), 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.
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term results for you and your family. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
2025 Tax Tables
As part of our commitment to keeping you informed and updated, we've updated our resources with the 2025 Tax Tables. These tables provide details on tax brackets, deductions, credits, and more to ensure you're prepared for the year ahead.
Access 2025 Tax TablesReserved Living and Giving Program
Morgan Stanley is proud to offer great discounts for its reserved group of clients. Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley’s most valued clients. The program is designed to enhance your lifestyle.
Learn more about the Reserved Living and Giving program more in the link below.
Reserved Living and GivingLearn more about the Reserved Living and Giving program more in the link below.
On the Markets
We have assembled the following research reports, articles, and podcasts about many of the concepts that support our wealth management philosophy and investment strategies. We’ve provided easy links to these materials and hope you will return often to learn more about topics impacting your wealth.
Global Investment Committee Weekly Research Report:
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC Weekly Research ReportGlobal Investment Committee Weekly Research Report:
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Morgan Stanley Research & Insights
Through timely, in-depth analysis of companies, industries, markets and world economies, Morgan Stanley has earned its reputation as a leader in the field of investment research.
Access Research & InsightsThoughts 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.
Thoughts On The Market PodcastOur Suite of Digital Tools
We strive to ensure our clients are aware and using all of the resilient, safe, efficient, smart, fast and flexible digital tools at their disposal. Let us know if you have any questions about these following tools:
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity. These include:
• Current Financial News – access up-to-date news, current market data, research, company profiles, and quotes
• Access Import Documents – sign up for digital access to all of your financial documents via a Digital Vault
• Manage Everyday Finances – mobile check deposit, online bill pay, send money with Zelle, and e-authorizations
Enroll in Morgan Stanley Online• Current Financial News – access up-to-date news, current market data, research, company profiles, and quotes
• Access Import Documents – sign up for digital access to all of your financial documents via a Digital Vault
• Manage Everyday Finances – mobile check deposit, online bill pay, send money with Zelle, and e-authorizations
Total Wealth View
• It’s hard to see the complete picture with only half the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
• The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Link and Add External Accounts• The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Aladdin - Intelligent Risk Management
Morgan Stanley's Portfolio Risk Platform analyzes over 3,000 risk factors, and models what-if scenarios so you can see the potential impact of hypothetical market shocks.
Using all of the data collected by Total Wealth View, Aladdin helps us monitor the risk for all of your external accounts, allowing us to see the total picture of your financial holdings. The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management’s platform to improve the quality, transparency, and efficiency of the end to end risk management processes for the Firm and our Clients.
Assessing our clients’ full investment needs and risks is an essential component of providing comprehensive financial advice in portfolio construction. Key features of the Portfolio Risk Tool, Aladdin, include broadly managing risk, identifying risk based concerns and constructing risk mitigated portfolios.
Learn More HereUsing all of the data collected by Total Wealth View, Aladdin helps us monitor the risk for all of your external accounts, allowing us to see the total picture of your financial holdings. The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management’s platform to improve the quality, transparency, and efficiency of the end to end risk management processes for the Firm and our Clients.
Assessing our clients’ full investment needs and risks is an essential component of providing comprehensive financial advice in portfolio construction. Key features of the Portfolio Risk Tool, Aladdin, include broadly managing risk, identifying risk based concerns and constructing risk mitigated portfolios.
Online Security Center
Protecting your online security is our top priority. We proactively defend our systems and monitor the threat landscape to help anticipate issues before they arise and respond appropriately when they do. We also provide advice and best practices to safeguard your personal information external of the firm as well. To learn more about the measures we take in the face of a constantly evolving cyber threat landscape and how you can better protect yourself, please visit our new Online Security Center.
Online Security CenterLocation
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
Phone:
(713) 966-2179(713) 966-2179
Jonathan Parker
First Vice President, Private Wealth Advisor
Phone:
(281) 657-1898(281) 657-1898
Justin Cox
Financial Advisor, Associate Vice President, Financial Planning Specialist
Phone:
(713) 499-2008(713) 499-2008
Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(281) 362-4785(281) 362-4785
Laura Brigman
Portfolio Associate
Phone:
(281) 362-4761(281) 362-4761
About Charlie Londa
As Private Wealth Advisor and Family Wealth Director, Charlie
works closely with foundations, trusts, and affluent individuals
and families to develop and implement customized financial
strategies designed to help them reach their unique goals.
Charlie has more than 30 years of experience in financial
services and has been with Morgan Stanley Private Wealth
Management since 2002. Charlie holds a bachelor’s degree
from the University of Houston and a master’s degree from
the Bauer College of Business. He also holds the Certified
Investment Management Analyst® (CIMA®) certification.
Charlie resides in The Woodlands with his wife and enjoys traveling,
golf, reading and the Texas Hill Country. His three adult children
are married and live in Utah and Texas. He has three grandchildren.
Charlie is a member of The Club at Comanche Trace in Kerrville, TX.
Address: 24 Waterway Ave., Ste. 600, The Woodlands, TX 77380; Direct: 281-362-4707
works closely with foundations, trusts, and affluent individuals
and families to develop and implement customized financial
strategies designed to help them reach their unique goals.
Charlie has more than 30 years of experience in financial
services and has been with Morgan Stanley Private Wealth
Management since 2002. Charlie holds a bachelor’s degree
from the University of Houston and a master’s degree from
the Bauer College of Business. He also holds the Certified
Investment Management Analyst® (CIMA®) certification.
Charlie resides in The Woodlands with his wife and enjoys traveling,
golf, reading and the Texas Hill Country. His three adult children
are married and live in Utah and Texas. He has three grandchildren.
Charlie is a member of The Club at Comanche Trace in Kerrville, TX.
Address: 24 Waterway Ave., Ste. 600, The Woodlands, TX 77380; Direct: 281-362-4707
Securities Agent: RI, FL, UT, MO, AZ, NJ, MT, MA, GA, PA, OR, NM, NE, AL, SC, CO, OH, MN, DE, WA, TX, ME, IL, CA, NC, OK, VA, NY, LA; General Securities Principal; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1282364
NMLS#: 1282364
About Jeff Thibault
As a Private Wealth Advisor and Family Wealth Director, Jeff is responsible
for building and managing customized financial strategies that address
the complexities within high-net-worth families. He also manages client
relationships while focusing on multigenerational planning.
Jeff has more than 29 years of experience advising high-net-worth families,
foundations and family offices, and he incorporates risk management
through traditional and alternative investments. Jeff joined Morgan
Stanley in 2002. He earned his bachelor’s degree from the University of
Texas at Austin and holds the CERTIFIED FINANCIAL PLANNERTM (CFP®),
Certified Investment Management Analyst® (CIMA®), Chartered Financial
Consultant® (ChFC®) and Chartered Life Underwriter® (CLU®) designations.
Jeff resides in Houston with his wife and two children. He is actively
involved with his family through church and school activities. Jeff is a
member of the UT Swimming alumni and enjoys various outdoor activities,
including golf, hunting and fishing.
for building and managing customized financial strategies that address
the complexities within high-net-worth families. He also manages client
relationships while focusing on multigenerational planning.
Jeff has more than 29 years of experience advising high-net-worth families,
foundations and family offices, and he incorporates risk management
through traditional and alternative investments. Jeff joined Morgan
Stanley in 2002. He earned his bachelor’s degree from the University of
Texas at Austin and holds the CERTIFIED FINANCIAL PLANNERTM (CFP®),
Certified Investment Management Analyst® (CIMA®), Chartered Financial
Consultant® (ChFC®) and Chartered Life Underwriter® (CLU®) designations.
Jeff resides in Houston with his wife and two children. He is actively
involved with his family through church and school activities. Jeff is a
member of the UT Swimming alumni and enjoys various outdoor activities,
including golf, hunting and fishing.
Securities Agent: AL, MT, AZ, DE, WA, NM, NE, NC, TX, SC, RI, PA, OR, OK, MN, MA, CO, NY, IL, OH, ME, VA, NJ, MO, LA, CA, FL, GA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1282496
NMLS#: 1282496
About Jonathan Parker
As Private Wealth Advisor, Jonathan works closely with business owners before, during and after the company transition process. He is involved with every step and helps to ensure they understand their options, so they can make better decisions along the way. Jonathan has more than 20 years of experience in consulting, investment banking and financial advisory services. Prior to joining Morgan Stanley Private Wealth Management in 2007, Jonathan worked at Wachovia Securities in their energy and power group. Jonathan holds a bachelor’s degree from Texas A&M University and an MBA from SMU’s Cox School of Business. Jonathan has lived in Houston with his wife and two young sons since 2005. He is a private pilot who enjoys traveling, cooking and spending time with his family. He serves on the SMU Cox Alumni Association Board of Directors, and his family are partners at Grace Bible Church and active
supporters of Young Life.
supporters of Young Life.
Securities Agent: VA, PA, MN, NC, ME, TX, NJ, SC, AZ, AL, NM, NE, LA, DE, CA, NY, IL, WY, SD, MO, GA, CO, CT, OH, MA, WA, OK, MT, FL, RI, OR; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278850
NMLS#: 1278850
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, Justin worked as a Sourcing Specialist for National Oilwell Varco and Distribution NOW.
A native Houstonian, Justin grew up within the northeast suburb of Kingwood. In 2013, 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, son Carter, 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 within the northeast suburb of Kingwood. In 2013, 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, son Carter, 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: CO, PA, OH, CA, WA, AL, NE, NC, FL, WY, NY, MI, MA, NM, AZ, RI, NJ, DE, VA, MN, TX, TN, SC, OR, MS, ME, AR, UT, MT, LA, KS, GA, OK, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 1560665
NMLS#: 1560665
About Lauren T Esposito
Lauren earned her Bachelor's degree from Texas A&M University in College Station, her Master’s degree from Pace University in Brooklyn, and her Certified Financial Planner (CFP) certification. Lauren’s goal is to provide clients with a holistic approach to their entire financial life. Providing not just investment advice and quality service, but taking an in depth planning approach to all of their financial goals and needs from now through the end of life and into the next generation. Lauren enjoys working with clients from all walks of life, and understands the challenges of younger investors along with the concerns of individuals heading into retirement.
Some additional focuses for Lauren also include Impact Investing/ESG Investing and financial education for clients and children.
Lauren grew up in The Woodlands and is happy to still call it home with her family. In her time away from the office, she spends it volunteering at schools, volunteering at Congregation Beth Shalom, sitting on her local village association board, helping (and sometimes participating) at the kids dance studio, and attending all of the other extracurricular activities.
Disclosure:
ESG investments in a portfolio may experience performance that is lower or higher than a portfolio not employing such practices. Portfolios with ESG restrictions and strategies as well as ESG investments will not be able to take advantage of the same opportunities or market trends as portfolios where ESG criteria is not applied. There are inconsistent ESG definitions and criteria within the industry, as well as multiple ESG ratings providers that provide ESG ratings of the same subject companies and/or securities that vary among the providers. Certain issuers of investments including may have differing and inconsistent views concerning ESG criteria where the ESG claims made in offering documents or other literature may overstate ESG impact. As a result, it is difficult to compare ESG investment products.
There is no assurance that an ESG investing strategy or techniques employed will be successful. Past performance is not a guarantee or a dependable measure of future results.
Some additional focuses for Lauren also include Impact Investing/ESG Investing and financial education for clients and children.
Lauren grew up in The Woodlands and is happy to still call it home with her family. In her time away from the office, she spends it volunteering at schools, volunteering at Congregation Beth Shalom, sitting on her local village association board, helping (and sometimes participating) at the kids dance studio, and attending all of the other extracurricular activities.
Disclosure:
ESG investments in a portfolio may experience performance that is lower or higher than a portfolio not employing such practices. Portfolios with ESG restrictions and strategies as well as ESG investments will not be able to take advantage of the same opportunities or market trends as portfolios where ESG criteria is not applied. There are inconsistent ESG definitions and criteria within the industry, as well as multiple ESG ratings providers that provide ESG ratings of the same subject companies and/or securities that vary among the providers. Certain issuers of investments including may have differing and inconsistent views concerning ESG criteria where the ESG claims made in offering documents or other literature may overstate ESG impact. As a result, it is difficult to compare ESG investment products.
There is no assurance that an ESG investing strategy or techniques employed will be successful. Past performance is not a guarantee or a dependable measure of future results.
Securities Agent: MT, WI, MA, WA, VA, OK, NY, LA, TX, NM, AZ, PA, OH, CT, AL, SC, RI, ME, IL, NE, FL, DE, NC, CA, GA, CO, AR, NJ, MN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1460448
CA Insurance License #: 0I91399
NMLS#: 1460448
CA Insurance License #: 0I91399
Contact Charlie Londa
Contact Jeff Thibault
Contact Jonathan Parker
Contact Justin Cox
Contact Lauren T Esposito
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
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Managing Significant Wealth
- Investment Management
- Wealth Transfer & Philanthropy
- Cash Management & Lending
- Family Governance & Wealth Education
- Lifestyle Advisory
- Business Services
Funding Climate Action: Pathways for Philanthropy
Article Image
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, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.
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
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, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.
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
CRC 4237142 (02/2025)