Peter J. Kaufman, CRPC®
Executive Director, Financial Advisor, Lending Specialist, Senior Portfolio Management Director
Phone:
(407) 605-4370(407) 605-4370
Matthew Bartolomei
Executive Director, Wealth Management,
Financial Advisor
Direct:
(407) 740-4991(407) 740-4991
Toll-Free:
(800) 829-5105(800) 829-5105
My Mission Statement
One relationship. Every important financial decision.
My Story
Matt is an Executive Director and Senior Portfolio Management Director at Morgan Stanley Wealth Management. With over three decades of professional experience, he brings diverse experience and perspective to help our clients navigate the complexity of significant wealth. He takes a comprehensive approach to planning, aiming to understand our clients’needs and aspirations deeply. Matt helps clients determine what’s really important, and then develops an actionable, flexible financial plan that is a roadmap for the future. His practice is grounded on three core principles: honesty, integrity, and perspective. This approach has enabled him to forge meaningful, long-lasting relationships with our clients and their families.
Drawing on his background as a former practicing attorney, a significant part of his practice is devoted to working with divorcing individuals, their attorneys, and collaborative professionals to help navigate the complex emotional and financial issues associated with divorce. From budgeting to post-divorce investment management, Matt strives to help our divorce clients become more knowledgeable, confident, and empowered about their financial future.
Matt earned his Bachelor’s of Science degree in Economics from Florida State University and a law degree from Catholic University of America where he served as a member of The Journal of Contemporary Health Law and Policy. He has served as president and board member of Central Florida Collaborative Divorce and speaks frequently on the topic of divorce and finances. Additionally, Matt is a founding member of the Orlando Chapter of the National Association of Divorce Professionals. He lives in Winter Park with his wife, Anne.
Drawing on his background as a former practicing attorney, a significant part of his practice is devoted to working with divorcing individuals, their attorneys, and collaborative professionals to help navigate the complex emotional and financial issues associated with divorce. From budgeting to post-divorce investment management, Matt strives to help our divorce clients become more knowledgeable, confident, and empowered about their financial future.
Matt earned his Bachelor’s of Science degree in Economics from Florida State University and a law degree from Catholic University of America where he served as a member of The Journal of Contemporary Health Law and Policy. He has served as president and board member of Central Florida Collaborative Divorce and speaks frequently on the topic of divorce and finances. Additionally, Matt is a founding member of the Orlando Chapter of the National Association of Divorce Professionals. He lives in Winter Park with his wife, Anne.
Services Include
Securities Agent: CT, GA, WI, PA, NH, CO, NY, NJ, MT, FL, CA, VI, SC, MO, MD, KY, WA, NC, MN, TN, IN, ID, DC, TX, RI, MI, MA, LA, AZ, WV, KS, DE, AL, VA, OH, ME, IL, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 1288319
NMLS#: 1288319
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Eola Group Story
The most important financial decisions rarely exist in isolation: they’re instead shaped by family, business, values, and the future you’re working to create. At Eola Group, we bring a calm presence and steady guidance to every conversation – helping you to simplify financial decisions, align priorities, and act with confidence in a constantly changing world.
Grounded in time-tested principles and a goals-based approach, we engage our Private Clients with genuine care and intention. Our group is committed to building lasting relationships and guiding families through life’s transitions – preserving what matters most today and for the next generation.
With 45 years combined experience in the financial services industry, Eola Group partners bring a deep reservoir of judgment, empathy, and optimism to our work. We are that trusted, single point of contact for everything financial and we are backed by the world’s largest wealth management firm by assets: Morgan Stanley.
Grounded in time-tested principles and a goals-based approach, we engage our Private Clients with genuine care and intention. Our group is committed to building lasting relationships and guiding families through life’s transitions – preserving what matters most today and for the next generation.
With 45 years combined experience in the financial services industry, Eola Group partners bring a deep reservoir of judgment, empathy, and optimism to our work. We are that trusted, single point of contact for everything financial and we are backed by the world’s largest wealth management firm by assets: Morgan Stanley.
Working With You
We use a goals-based process where success is measured not by a number, but by the progress you make toward reaching your personal and financial goals. This approach enables us to customize solutions that help guide you towards personal and financial independence.
Step 1: Understanding You
We want to know what's important to you. Our relationship begins with an in-depth conversation to understand you, your goals, and concerns.
Step 4: Implementing Your Plan
With our guidance, you will have access to a wide array of strategies and investment programs tailored for your specific goals and objectives.
Step 2: Analyzing Your Needs
Next, we review your current situation as well as legacy needs in order to address your unique circumstances. As you experience different life stages, we can identify your budgeting and cash flow needs. We also help to identify existing tax and estate planning issues and will assist you to coordinate these with your CPA and estate planning attorney.
Step 5: Monitoring Results
We use the financial plan as a roadmap to help you navigate markets and life events. We meet regularly to review whether you are on- track, and we may make recommendations and adjustments due to a change in circumstances.
Step 3: Customizing Solutions for Your Goals
In this step, we prepare a comprehensive financial plan that addresses your individual needs, goals, and objectives. This also includes an analysis of social security benefits and recommendations for the most efficient way to coordinate those benefits.
Media and Resources
Please find below a collection of articles and resources you may find helpful.
2025 Outlook
Morgan Stanley & Co. Research’s Chief Global Economist Seth Carpenter has published his US Economics Outlook. Seth and his team discuss their outlook around economic growth, labor, inflation, and monetary policy.
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Security Center: How to Protect Yourself Online
Safeguarding your assets and information is one of our highest priorities, but you also have a critical role to play. Check out our collection of practical takeaways and best practices from our cybersecurity professionals, then explore a few of the ways we help protect you.
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Divorce: Planning for a New Beginning
Major relationship transitions can be overwhelming in both a personal and practical way. Dealing with the impact of divorce on your financial life can make an emotionally difficult time even more challenging. Although divorce is seldom easy, you can prepare for it — and being prepared will help you feel more in control and better equipped to make informed, confident decisions about your financial future.
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SECURE 2.0
Capitol Hill plays a critical role in shaping the corporate landscape. Now that SECURE 2.0 is law, read more about the provisions that may affect you as a plan sponsor and your employees as they build toward retirement readiness.
Read MoreModern Wealth Tools
Morgan Stanley Online
Your investments are always just a few clicks away when you enroll in Morgan Stanley Online.
Learn More About MSO
Total Wealth View
Consolidate your full financial picture with Total Wealth View. Take a step towards more informed wealth planning with convenient connectivity.
Learn More About Total Wealth View
Goals Based Planning
Morgan Stanley’s advanced wealth management technology is a great way to build a comprehensive wealth plan. Find out how our tools can help you reach your financial goals.
Learn More About Goals Based Planning
Premier Cash Management
Take advantage of a modern alternative to banking. Sign up for a Morgan Stanley CashPlus account for a seamless digital experience, and a full suite of cash management solutions.
Learn More About CashplusLocation
250 S Park Avenue
Suite 500
Winter Park, FL 32789
US
Direct:
(407) 740-4991(407) 740-4991
Toll-Free:
(800) 829-5105(800) 829-5105
Fax:
(407) 740-4983(407) 740-4983
Meet My Team
Shelly Walton
Portfolio Associate
Phone:
(407) 740-4966(407) 740-4966
Tracy Wilson
Senior Registered Associate
Phone:
(407) 605-4365(407) 605-4365
About Peter J. Kaufman
Peter brings 27 years of experience to Eola Group. He successfully navigated clients through the turn-of-the-century “Tech Wreck”, the Great Financial Crisis and the Covid crash and recovery. Peter is a Morgan Stanley Senior Portfolio Management Director and Lending Specialist. He will head the Team’s Research responsibilities and brings Relative Strength and Trend Following expertise to Eola Group. Peter is also the team’s Chartered Retirement Planning Counselor Designee (CRPC™).
Peter graduated Summa Cum Laude from Boston University with a Bachelor of Science degree in Broadcast Journalism. He worked as on-air news reporter for the NBC affiliate in Rochester, MN, the ABC affiliate in Salisbury, MD, the NBC affiliate in Ft. Myers, FL, and the CBS affiliate in Orlando.
Peter lives in Windermere with his wife, Gina.
Peter graduated Summa Cum Laude from Boston University with a Bachelor of Science degree in Broadcast Journalism. He worked as on-air news reporter for the NBC affiliate in Rochester, MN, the ABC affiliate in Salisbury, MD, the NBC affiliate in Ft. Myers, FL, and the CBS affiliate in Orlando.
Peter lives in Windermere with his wife, Gina.
Securities Agent: ID, CO, KS, WV, WA, VA, OH, IL, FL, GA, DC, AZ, MA, CT, NY, NJ, MT, MI, ME, MD, KY, DE, WI, TN, PA, HI, RI, NC, IN, CA, AL, TX, SC, LA; General Securities Representative; Investment Advisor Representative
About Shelly Walton
Shelly has built an impressive 28-year career in the financial services industry, gaining valuable experience in banking, insurance, and investments. She holds a degree in Business Administration from Florida A&M University and has worked with notable companies such as Merrill Lynch, Allstate, and Wells Fargo. Since 1999, Shelly has maintained her Series 7 & 63 securities licenses and added her Series 65 in 2011.
During her tenure at Morgan Stanley, Shelly has found great satisfaction in helping other Support Professionals navigate the company's systems and processes. She is a go-to resource for her peers and new Financial Advisor Associates who need expert administrative support. Her dedication extends to training and onboarding new Support Professionals at both the Atlanta Perimeter Complex and Winter Park Complex branches. Her passion for mentorship led her to serve as one of four Coaches for the Central North Florida Complex over the past three years and as Co-Chair for the Diversity and Inclusion Council.
Shelly lives in Debary, FL, with her husband, Dwight, and their two beloved pets, Boris and Bella.
During her tenure at Morgan Stanley, Shelly has found great satisfaction in helping other Support Professionals navigate the company's systems and processes. She is a go-to resource for her peers and new Financial Advisor Associates who need expert administrative support. Her dedication extends to training and onboarding new Support Professionals at both the Atlanta Perimeter Complex and Winter Park Complex branches. Her passion for mentorship led her to serve as one of four Coaches for the Central North Florida Complex over the past three years and as Co-Chair for the Diversity and Inclusion Council.
Shelly lives in Debary, FL, with her husband, Dwight, and their two beloved pets, Boris and Bella.
About Tracy Wilson
Tracy brings 37 years of financial services industry experience, including 17 years with Morgan Stanley. He and Peter have worked together for 20 years. He is a Senior Client Service Associate who maintains his Series 7, 9, 10 & 66 securities licenses and holds a Life, Health and Annuity license as well. Tracy earned his Bachelor of Science degree in Finance from the University of Central Florida.
Tracy is a native Floridian from Orlando and enjoys spending time with his wife of 35 years, Dawn, and children Matthew & Lindsey.
Tracy is a native Floridian from Orlando and enjoys spending time with his wife of 35 years, Dawn, and children Matthew & Lindsey.
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
Kevin Rickman
Planning Associate
About Kevin Rickman
Kevin Rickman is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Kevin provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Columbia University and received the Financial Planning Specialist® designation from the College for Financial Planning. Kevin is originally from Flemington, NJ and currently resides in Ringoes, NJ.
He earned his undergraduate degree from Columbia University and received the Financial Planning Specialist® designation from the College for Financial Planning. Kevin is originally from Flemington, NJ and currently resides in Ringoes, NJ.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Ready to start a conversation? Contact Matthew Bartolomei today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
4When 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Alternative 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
4When 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Alternative 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
