Logan Oates
Client Service Associate
Phone:
(248) 218-8251(248) 218-8251
Matt Sebastian
Vice President,
Financial Advisor,
Senior Portfolio Manager,
Insurance Planning Director
Direct:
(248) 218-8249(248) 218-8249
My Mission Statement
I empower my clients to set thoughtful goals to help improve their financial health.
My Story and Services
Matt began his career with Morgan Stanley in 2018 after dedicating 15 years to the healthcare industry, where he developed a strong commitment to helping others and an analytical mindset. These skills seamlessly transitioned into his work as a financial advisor, allowing him to provide tailored strategies that can align with his clients’ unique financial goals.
With a designation as an Insurance Planning Director and his role as a Portfolio Manager, Matt focuses in creating comprehensive financial strategies that integrate risk management, investment planning and wealth preservation. His approach focuses on educating clients and empowering them to make informed decisions about their financial future.
Drawing on his healthcare background, Matt brings a compassionate and detail-oriented perspective to financial advising. Whether working with individuals, families or businesses, he takes pride in building lasting relationships and guiding his clients through life’s financial complexities.
Matt lives in Rochester with his wife, Suzy and his two children. In his free time, Matt coaches youth football and volunteers for the local Lions Club, Breakthrough T1D, and the American Foundation for Suicide Prevention.
With a designation as an Insurance Planning Director and his role as a Portfolio Manager, Matt focuses in creating comprehensive financial strategies that integrate risk management, investment planning and wealth preservation. His approach focuses on educating clients and empowering them to make informed decisions about their financial future.
Drawing on his healthcare background, Matt brings a compassionate and detail-oriented perspective to financial advising. Whether working with individuals, families or businesses, he takes pride in building lasting relationships and guiding his clients through life’s financial complexities.
Matt lives in Rochester with his wife, Suzy and his two children. In his free time, Matt coaches youth football and volunteers for the local Lions Club, Breakthrough T1D, and the American Foundation for Suicide Prevention.
Securities Agent: IN, GA, SC, NM, SD, CT, ME, DC, FL, WA, TN, DE, LA, CA, KY, TX, OH, NJ, ID, AZ, VA, PA, NC, IL, CO, MA, OR, NY, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 2319515
NMLS#: 2319515
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
It All Starts With a Plan
Reasons Our Clients Create Financial Plans:
- Flexibility: Adapt your retirement goals or spending needs
- Tax Efficiency: Optimize accumulation strategies to mitigate your future tax exposure
- Legacy Planning: Address estate considerations for you and your family
- Risk Management: Stress-test your portfolio for resilience while capitalizing on timely ideas
Financial Planning Tools
You and your family have many financial goals, but do you have an investment plan that's designed to achieve them? And can that plan change as your life does? This is where we can help.
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio's exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Retirement Income
We often think of planning for retirement, but what do you plan for once you are retired?
Legacy Planning
Estate planning is the process of making arrangements to pass down wealth and assets after a person's death. Proper estate planning gives careful consideration to the estate owner's future plans, preferences and goals.
Tax Efficient Planning
The tax decisions you make today can help you save for years to come. Tax-efficient investing techniques may help you lower your tax burden and grow your wealth.
Protect for The Unexpected
As a leader in the distribution of insurance and annuities, our offerings include disability, long-term care and property & casualty insurance, as well as fixed, indexed and variable annuities. Morgan Stanley offers these products in conjunction with its licensed insurance agency affiliates
A Woman's Guide to Wealth & Money
Should you invest your savings in a 529 plan or a 401(k)? How do you mitigate the potential effects of a career interruption? How do you fulfill your caregiving duties without sacrificing your own self care? How does a major life transition like divorce or retirement impact your financial future? If you're wrestling with some of these questions, we may have the answers you're looking for. Continue reading for some thought provoking information.
Please call me to discuss the article in more detail as it pertains to your personal situation.
Women In Wealth: A Strong Financial Future
No matter where you stand in life, we understand the unique financial hurdles you encounter. Let's unlock your financial potential as we explore strategies, uncover insights, and map out your path to financial empowerment.
Investing at Every Stage of Your Life
Generally, financial life stages fall into three categories: wealth accumulation, preservation, and distribution. An individual's needs change through those stages of life. Be better equipped to meet your money goals and needs during each stage.
Career Comebacks
Rebooting a career after time away can feel daunting. Share key tips and considerations to help clients feel confident and prepared as they make their workforce reentry.
Your Wealth Organizer
This workbook will let you strategically assemble the critical details of your financial life.
Financial Well-Being After the Death of a Spouse
Navigating the loss of a spouse can be one of the most challenging things we do. This resource will help you get started in navigating the way forward.
Divorce: Planning for a New Beginning
Transitioning to financial independence can seem overwhelming. This resource can help you get started.
Wealth Education Series
Join us as we continue the journey into the world of finance and wealth education. At Morgan Stanley, we believe the knowledge is the key to unlocking future success, and we're excited to share our thought leadership and experience with you!
As we look forward to 2025, we are excited to announce we will be continuing with more engaging and informative sessions beginning in February. On this page, we have the upcoming session listed as well as replays, so you can revisit the insights we shared in 2024.
Upcoming Sessions
Money & Saving: Financial Planning and Why It Matters to Me
Monday, May 5th, 2025 at 4 PM ET
Join us on a session that will explore the critical importance of financial planning in achieving personal financial goals, whether it involves acquiring a dream home, starting a family, embarking on a desired vacation, or ensuring a secure retirement. This similar will focus on how strategic financial planning can empower our next generation.
Introduction to Money & Saving: Building a Strong Financial Foundation
This session covered the basics of personal finance including goal setting, budgeting, and the benefits of compounding interest to help build a strong financial foundation.
Credit and Debt Management
Focused on understanding credit, managing debt, and making informed decisions in lending, this session provided insights into credit scores and credit history.
Cybersecurity
This session addressed online safety, teaching strategies to protect digital identities and perform secure online transactions amidst common cyber threats.
Exploring Investments: Stocks, Bonds and Beyond
We delved into investment fundamentals, discussing market dynamics, asset classes, and strategies like asset allocation and diversification.
Entrepreneurship 101: Turning Ideas Into Profit
Aimed at aspiring entrepreneurs, this session covered the essential steps from concept to execution, emphasizing the importance of team building and robust business structures.
Navigating College & Career Path
This session provided tools and strategies to thrive in a competitive career landscape, whether starting out or pivoting in your career path.
Goal Setting and Budgeting
Learn how to define and set financial goals, make a budget, and save effectively to reach your goals.
Credit and Debt Management
Explore the relationship between debt and credit and how maintaining good credit can help you with your broader wealth planning goals.
Introduction to Investing
Discover the basic concepts of investing, so you can build your financial confidence and make it easier to make informed decisions about creating and managing your wealth.
Tax Management at Morgan Stanley
Learn about our tax management strategies here at Morgan Stanley.
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Tax Smart Investing
We use tax effecient strategies in our investment portfolios to help you potentially yield better after tax results. We can help keep more of your returns with a tax-managed investment portfolio.
What is Tax Alpha?
Value is created by the effective tax management of investments. Taxable investors have the ability to generate tax alpha through tax-deferral strategies. This article explains how these strategies work and how they may benefit you.
2025 Tax Tables
Click Here a Printable Version of the Latest IRS Tax Tables
Gift and Estate Planning
Learn about how taxes could impact your legacy, and how you can plan for them.
Tax Smart Strategies for Your Retirement
How can you be smart about taxes during retirement? Learn how we can help.
Location
1108 North Main Street
Rochester, MI 48307
US
Direct:
(248) 218-8249(248) 218-8249
Meet My Team
Amy D. Irish
Wealth Management Associate, Financial Planning Specialist
Phone:
(248) 218-8226(248) 218-8226
About Logan Oates
After achieving a Bachelor of Science in Finance from Oakland University, I joined the Bluewater Group following my internship with Morgan Stanley. Being a first-generation college graduate has taught me a lot about money management and financial well-being as a whole.
As a Client Service Associate, my goal is to not only effectively communicate your needs to the group, but to also provide the best customer service Morgan Stanley has to offer. I am often your first point of contact, coordinating daily tasks and projects so that your advisor can focus on what they do best.
By utilizing my knowledge and skills, I aim to build a lasting relationship with you as we fortify your financial future.
As a Client Service Associate, my goal is to not only effectively communicate your needs to the group, but to also provide the best customer service Morgan Stanley has to offer. I am often your first point of contact, coordinating daily tasks and projects so that your advisor can focus on what they do best.
By utilizing my knowledge and skills, I aim to build a lasting relationship with you as we fortify your financial future.
About Amy D. Irish
Amy Irish joined our team as a Wealth Management Associate in January 2024. Her primary focus is providing wealth planning analysis and identifying possible solutions based on each family’s goals or needs. Amy works closely to help clients identify their primary goals and needs, including asset allocation, education funding, retirement income planning, tax minimization strategies and estate planning services. Amy uses these goals to build wealth plans designed to help clients pursue their desired outcomes, while preserving their wealth for current and future generations. Amy also helps clients to identify solutions that Morgan Stanley offers that may help them stay on track.
Amy brings over 20 years of industry experience to the team, with a decade of her experience working with ultra high net worth clients. She has a Bachelor of Arts from the University of Michigan, where she majored in History and English. She holds FINRA series 7 and 66 licenses as well as is a registered producer for life insurance with the State of Michigan.
Outside of work, Amy enjoys sports, weightlifting, and spending time with friends and family. Amy loves animals and occasionally fosters dogs for different dog rescues. She lives in Union Lake with her son, two dogs and two cats.
Amy brings over 20 years of industry experience to the team, with a decade of her experience working with ultra high net worth clients. She has a Bachelor of Arts from the University of Michigan, where she majored in History and English. She holds FINRA series 7 and 66 licenses as well as is a registered producer for life insurance with the State of Michigan.
Outside of work, Amy enjoys sports, weightlifting, and spending time with friends and family. Amy loves animals and occasionally fosters dogs for different dog rescues. She lives in Union Lake with her son, two dogs and two cats.
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
Sally A. Cholewka, CFP®
Financial Planning Director, Vice President
Jessica Fitzgerald, CIMA®, CRPS®, CPM®, QPFC
Senior Vice President, Institutional Consulting Director, Corporate Retirement Director, Family Wealth Director, Government Entity Specialist
Alexandra Diez
Planning Associate
Dana Jordan
Private Banker
Kristopher Johnson
Private Banker
Joseph V. Portera
Private Banker
About Sally A. Cholewka
Sally A. Cholewka, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Southeast Michigan. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Sally began her career in Financial Services in 2010 and joined Morgan Stanley in 2021. Prior to her current position, she worked as Director of Financial Planning for a group of independent financial advisors affiliated with LPL Financial. Her role for over the last decade has been to facilitate retirement income planning, tax aware positioning and estate & legacy conversations.
Sally has held her Certified Financial Planner® designation since 2017. A graduate from the University of Iowa, she proudly identifies as a “Midwesterner”, having lived or worked in Iowa, Minnesota, Illinois and Michigan. She currently lives in Shelby Township, MI with her husband and daughter. Outside of work, Sally enjoys vacationing with her family, boating, and volunteering with the SIFMA Foundation’s “InvestWrite” national writing competition for elementary age children.
Sally began her career in Financial Services in 2010 and joined Morgan Stanley in 2021. Prior to her current position, she worked as Director of Financial Planning for a group of independent financial advisors affiliated with LPL Financial. Her role for over the last decade has been to facilitate retirement income planning, tax aware positioning and estate & legacy conversations.
Sally has held her Certified Financial Planner® designation since 2017. A graduate from the University of Iowa, she proudly identifies as a “Midwesterner”, having lived or worked in Iowa, Minnesota, Illinois and Michigan. She currently lives in Shelby Township, MI with her husband and daughter. Outside of work, Sally enjoys vacationing with her family, boating, and volunteering with the SIFMA Foundation’s “InvestWrite” national writing competition for elementary age children.
About Alexandra Diez
Alexandra Diez 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, she collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, she will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Alexandra 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.
She earned her undergraduate degree from Dickinson College and received the Financial Planning Specialist® designation from the College for Financial Planning. Alexandra is originally from Rockville Centre, New York and currently resides in Queens, New York.
She earned her undergraduate degree from Dickinson College and received the Financial Planning Specialist® designation from the College for Financial Planning. Alexandra is originally from Rockville Centre, New York and currently resides in Queens, New York.
About Dana Jordan
Dana Jordan is a Private Banker serving Morgan Stanley Wealth Management offices in New York.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Dana began her career in financial services in 2017 when she joined Morgan Stanley as a Lending Analyst in Private Banking Operations. She most recently returned to the firm in 2022. Prior to joining the firm, she was a Mortgage Professional at JP Morgan Private Bank.
Dana is a graduate of Loyola University Maryland, where she received a Bachelor of Business Administration in Finance. She lives in Long Island, New York. Outside of the office, Dana donates her time to the American Legion Auxiliary Unit 1006. She is a Senior Gold Medalist and USFSA (U.S. Figure Skating Association) member, and enjoys partaking in CrossFit.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Dana began her career in financial services in 2017 when she joined Morgan Stanley as a Lending Analyst in Private Banking Operations. She most recently returned to the firm in 2022. Prior to joining the firm, she was a Mortgage Professional at JP Morgan Private Bank.
Dana is a graduate of Loyola University Maryland, where she received a Bachelor of Business Administration in Finance. She lives in Long Island, New York. Outside of the office, Dana donates her time to the American Legion Auxiliary Unit 1006. She is a Senior Gold Medalist and USFSA (U.S. Figure Skating Association) member, and enjoys partaking in CrossFit.
NMLS#: 1974422
About Kristopher Johnson
Kristopher Johnson is a Private Banker serving Morgan Stanley Wealth Management offices in Michigan and Ohio.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kristopher began his career in financial services in 2008 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Wealth Management Banking Advisor at Bank of America Merrill Lynch. He also served as a Wealth Management Lending Officer and Sales Trainer at Bank of America Merrill Lynch.
Kristopher is a graduate of the University of Michigan, where he received a Bachelor of Arts in Political Science, and Arizona State University’s W.P. Carey School of Business, where he received his Masters of Business Administration in Finance. He lives in Rochester, Michigan with his wife. Outside of the office, Kristopher enjoys exercising, watching sports, volunteering with local organizations, and spending time with family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kristopher began his career in financial services in 2008 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Wealth Management Banking Advisor at Bank of America Merrill Lynch. He also served as a Wealth Management Lending Officer and Sales Trainer at Bank of America Merrill Lynch.
Kristopher is a graduate of the University of Michigan, where he received a Bachelor of Arts in Political Science, and Arizona State University’s W.P. Carey School of Business, where he received his Masters of Business Administration in Finance. He lives in Rochester, Michigan with his wife. Outside of the office, Kristopher enjoys exercising, watching sports, volunteering with local organizations, and spending time with family and friends.
NMLS#: 630462
About Joseph V. Portera
Joseph Portera is a Private Banker serving Morgan Stanley Wealth Management offices in Michigan.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Joseph began his career in financial services in 2002 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Commercial Lender and Market Director at JPMorgan Chase.
Joseph is a graduate of the Haworth College of Business at Western Michigan University where he received a Bachelor of Business Administration in Finance, and Keller Graduate School of Business where he received a Master’s in Business Administration in Finance & Accounting.
Joseph and his family currently reside in Grosse Pointe, MI. Outside of the office, he enjoys martial arts, skiing, tennis, and spending time with his family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Joseph began his career in financial services in 2002 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Commercial Lender and Market Director at JPMorgan Chase.
Joseph is a graduate of the Haworth College of Business at Western Michigan University where he received a Bachelor of Business Administration in Finance, and Keller Graduate School of Business where he received a Master’s in Business Administration in Finance & Accounting.
Joseph and his family currently reside in Grosse Pointe, MI. Outside of the office, he enjoys martial arts, skiing, tennis, and spending time with his family.
NMLS#: 1260889
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Wealth Management
From My Desk
Election 2024 - Inflation Outlook
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
Election 2024: Investors' Top Questions Answered
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
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
Teaching Your Teenagers About Money
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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
Strategies to Finance Your Business
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Matt Sebastian today.
1Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan 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.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan 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.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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
CRC 6491812 (04/2024), 3582895 (6/2024)
