Michael L Matthys, CFA®
Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Director
Phone:
(847) 382-3840(847) 382-3840
Aligned Wealth Management Group at Morgan Stanley
Our Mission Statement
We provide coordinated wealth management experience aligned with your family’s goals for today and across generations.
Our Story and Services
COORDINATED, INTEGRATED, AND ELEVATED: ALIGNED WITH YOU
We are a credentialed wealth management team offering meaningful guidance and personal care to individuals, families and business owners, both locally and throughout the country. We bring together investment management and comprehensive planning to help clients navigate important financial decisions.
We work with clients whose financial lives may involve multiple priorities, accounts, entities or generations. They value thoughtful planning, coordinated advice and a long-term relationship with a team that understands the broader context of their wealth.
Our mission is to become a trusted resource and long-term partner to the families we serve. Drawing on our experience and Morgan Stanley's resources, we help clients pursue what matters most while considering how their investments connect with retirement, liquidity, tax and estate planning considerations, philanthropy and wealth transfer.
Our relationships often extend to parents, adult children and future generations. We recognize that each household may be at a different stage of building or managing wealth, with its own priorities and circumstances. For business owners, our planning may also consider liquidity needs, succession decisions and how personal and business wealth intersect.
WHY CLIENTS CHOOSE US
- Our Collaborative Approach helps clients understand their financial picture, clarify priorities and consider the decisions ahead.
- Through Meaningful Guidance, we help families connect their investment and planning decisions, bringing clarity to complex financial situations.
- Our commitment to Personal Attention helps us anticipate changing needs and identify opportunities as clients' lives and families evolve.
We meet our clients where they are and help them move toward where they want to be.
Services Include
- Financial PlanningFootnote1
- Professional Portfolio ManagementFootnote2
- Alternative InvestmentsFootnote3
- Cash Management and Lending ProductsFootnote4
- Life InsuranceFootnote5
- Estate Planning StrategiesFootnote6
- Trust ServicesFootnote7
- Philanthropic ManagementFootnote8
- Business Succession PlanningFootnote9
- Sustainable InvestingFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Your Quarterback for All Financial Decisions
As you accumulate wealth, the complexity of your financial life tends to increase as well. For example, you may decide to start in a new business, or invest in a start-up, or make a global investment, or purchase real estate overseas.
These, and many others, are the kinds of financial maneuvers we help our clients evaluate, plan for and execute. We function as each client’s “quarterback,” making sure the process works the way it’s supposed to.
Many times, there will be other advisors or professionals involved. As your quarterback, we coordinate among the various players to obtain the desired result.
Then, there is your investment portfolio. Once again, we create and implement a strategy that may involve a variety of money managers – but, as your quarterback, we ensure that your overall plan is aligned with each of the parts different managers play.
Further, there are many moving parts to comprehensive wealth management. We ensure that every aspect of your financial life, from wealth accumulation and preservation to banking, asset protection, philanthropy and more, are coordinated around a thoughtful strategy.
And it doesn’t stop there. We work with your subsequent generations, ensuring that they understand their role in the ongoing stewardship of your wealth.
Creating and following a winning strategy. Coordinating with other professionals. Integrating younger “players” to maintain a consistent, winning game plan. That’s what quarterbacks do for football teams. It’s what we do for our clients.
These, and many others, are the kinds of financial maneuvers we help our clients evaluate, plan for and execute. We function as each client’s “quarterback,” making sure the process works the way it’s supposed to.
Many times, there will be other advisors or professionals involved. As your quarterback, we coordinate among the various players to obtain the desired result.
Then, there is your investment portfolio. Once again, we create and implement a strategy that may involve a variety of money managers – but, as your quarterback, we ensure that your overall plan is aligned with each of the parts different managers play.
Further, there are many moving parts to comprehensive wealth management. We ensure that every aspect of your financial life, from wealth accumulation and preservation to banking, asset protection, philanthropy and more, are coordinated around a thoughtful strategy.
And it doesn’t stop there. We work with your subsequent generations, ensuring that they understand their role in the ongoing stewardship of your wealth.
Creating and following a winning strategy. Coordinating with other professionals. Integrating younger “players” to maintain a consistent, winning game plan. That’s what quarterbacks do for football teams. It’s what we do for our clients.
Aligned With You
We bring together financial planning and investment management to help families navigate important financial decisions with clarity and confidence. By understanding each family's priorities, we provide thoughtful guidance designed to keep their financial decisions aligned with what matters most.
FAMILY WEALTH DIRECTOR EXPERIENCE
Our team's Family Wealth Director and Family Wealth Advisor capabilities, together with our experience working with families, help us address a broad range of wealth management needs across generations.
These designations reflect additional training and experience addressing the planning, governance and relationship considerations that can arise within families of significant wealth
In addition to the services listed above, we also help families address complex issues that fall outside the bounds of a traditional advisory relationship, such as:
- Defining what you want your legacy to be.
- Understanding how a complex estate plan translates to your financial goals and legacy plan.
- Offering qualified investors exclusive access to investments that may otherwise only be available to institutional investors.
- Refining philanthropic goals around tax-aware strategies.
- Preparing your children to be financially independent.
- Helping families navigate the complex, multigenerational challenges that accompany wealth through access to Morgan Stanley's resources.
These capabilities help us consider how the different parts of your family's financial life work together, so you can spend more time focused on what matters to you.
OUR COLLABORATIVE APPROACH
Our goals-based approach focuses on you and your family – where you are today and where you want to go. Working together, we develop the strategies to get you there, navigating life's challenges and helping you make more informed and confident decisions about your wealth.
1: Introduction
We begin with a conversation to learn about you and your family, introduce our team and discuss where we may add meaningful value.
2: Discovery
Through thoughtful dialogue, we develop a comprehensive understanding of your financial circumstances, personal and professional goals, values and concerns. Together, we establish clear priorities and timelines.
3: Analysis & Plan Development
Using advanced financial planning tools, we evaluate your circumstances and develop a personalized strategy to help grow, preserve and transfer your wealth. Our analysis may encompass investments, cash flow, liquidity, risk management and relevant tax and estate planning considerations.
4: Plan Presentation
We present our recommendations in clear, practical terms—including an asset allocation strategy aligned with your goals, time horizon, liquidity needs and risk tolerance. We address your questions, refine the strategy together and agree upon next steps.
5: Implementation & Education
With your approval, we coordinate implementation of the agreed-upon strategies. As your assets and investment approach are aligned, we provide guidance on your accounts, statements and the Morgan Stanley tools and resources available to you.
6: Ongoing Service & Care
Our relationship continues through regular communication, progress reviews and ongoing planning. We adjust your strategy as markets, circumstances and priorities change. When appropriate, we can also support multiple generations of your family—respecting each household's distinct needs and each family member's privacy.
Client Resources
We have gathered tools and information to help you manage your accounts, share documents securely and make use of Morgan Stanley's resources. Explore the links below, and contact our team if you need help getting started.
- Log in to Morgan Stanley Online.
- Click the Accounts tab.
- Select the Documents tab.
- Go to the Statement drop-down tab.
- Select Tax Documents and download them.
Morgan Stanley Online
Seamlessly and securely manage your finances all in one place. With Morgan Stanley online you can view your accounts, transfer money, see your total wealth, make deposits on the go and more.
eAuthorization for Transactions
eAuthorizations allows clients to electronically authorize domestic and international, one-time/recurring transactions through Morgan Stanley Online and the Morgan Stanley Mobile App.
Financial Planning
Read this article to gain greater perspective on what the financial planning process can look like. Your financial plan is customized to your goals, your needs, and accessible anytime on Morgan Stanley Online once implemented with your financial advisory team.
Accessing Tax Forms
Cash Management at MS
At Morgan Stanley we provide a modern alternative to banking, providing more value, more protection, and a seamless digital experience backed by your dedicated service team. You can benefit from unlimited ATM fee rebates worldwide, complimentary Identity and Credit Protection from Experian® and much more.
Preferred Savings
Take advantage of our Preferred Savings Program for Qualifying Cash with flexible options and more ways to save.
529 Plans
With education costs rising, paying for college has become a major life expense that requires smart planning. Commonly asked questions answered here.
Managing Your Tax Liability
Tax Management Services at Morgan Stanley enables you to personalize your tax-loss harvesting experience within your portfolio, based on your specific needs and financial goals.
Signature Savings Account
Put your reserved cash to work with the new Signature Savings Account from Morgan Stanley Private Bank, National Association, Member FDIC. You must be a Morgan Stanley client to open an account.
Tax Management Services
Reducing the current tax liabilities on your investments can help enhance your overall returns. Implementing our Tax Management Services in a taxable managed investment portfolio, known as a Unified Managed Account (UMA), seeks to offer you professional and tax efficient portfolio management to help meet your unique financial goals.
Location
760 W Main St
Suite 200
Barrington, IL 60010
US
Direct:
(847) 842-1559(847) 842-1559
Toll-Free:
(877) 894-2270(877) 894-2270
Meet Aligned Wealth Management Group
Indra Josephs, CFP®
Senior Vice President, Financial Advisor, CERTIFIED FINANCIAL PLANNER®
Phone:
(847) 842-1559(847) 842-1559
Benjamin Brown, CPWA®
Senior Vice President, Financial Advisor, Portfolio Management Director, Certified Private Wealth Advisor®
Phone:
(847) 382-3905(847) 382-3905
Phone:
(847) 842-1513(847) 842-1513
Maria Wojcik-Llamas
Wealth Management Associate
Phone:
(847) 382-3783(847) 382-3783
Nate Stevens
Registered Client Relationship Analyst
Phone:
(847) 842-1517(847) 842-1517
Jack Algrim
Registered Client Relationship Analyst
Phone:
(847) 842-1530(847) 842-1530
About Michael L Matthys
For more than two decades, Mike Matthys has worked closely with high-achieving business owners, corporate executives, endowments and foundations whose financial situations require thoughtful, sophisticated and often global solutions. His focus on providing comprehensive risk- and tax-aware investment strategies not only help meet his clients’ needs and goals but are designed to navigate the ever-changing circumstances of financial markets.
Mike is a Chartered Financial Analyst™ and a Morgan Stanley Family Wealth Director, a designation held by approximately 4% of Financial Advisors at Morgan Stanley. These designations allow him to offer his clients access to the best thinking in portfolio construction, while working to strengthen each family’s financial security for generations to come.
Mike earned a master’s degree in business administration from the Kellogg School of Management at Northwestern University after completing his undergraduate work at Illinois State University. Prior to joining Morgan Stanley, Mike served affluent clients for five years at J.P. Morgan’s Private Bank. In addition, Mike is a student of the industry and an active member in the CFA® Institute and the CFA® Society of Chicago.
He resides in Kildeer, IL, with his wife, Laura, and their two children, Danielle and Brandon. In his free time, Mike enjoys golfing, camping and spending time with his family.
Mike is a Chartered Financial Analyst™ and a Morgan Stanley Family Wealth Director, a designation held by approximately 4% of Financial Advisors at Morgan Stanley. These designations allow him to offer his clients access to the best thinking in portfolio construction, while working to strengthen each family’s financial security for generations to come.
Mike earned a master’s degree in business administration from the Kellogg School of Management at Northwestern University after completing his undergraduate work at Illinois State University. Prior to joining Morgan Stanley, Mike served affluent clients for five years at J.P. Morgan’s Private Bank. In addition, Mike is a student of the industry and an active member in the CFA® Institute and the CFA® Society of Chicago.
He resides in Kildeer, IL, with his wife, Laura, and their two children, Danielle and Brandon. In his free time, Mike enjoys golfing, camping and spending time with his family.
Securities Agent: NM, IA, AL, MD, TN, GA, FL, CT, NJ, MN, TX, PA, MT, IN, IL, CA, MO, CO, WA, OR, MI, SC, NC, MA, HI, DE, WI, OH, NY, NH, NE, VA, NV, KS, DC, AZ, WY, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 821719
CA Insurance License #: 0K71936
NMLS#: 821719
CA Insurance License #: 0K71936
About Indra Josephs
Indra Josephs is a Senior Vice President, Financial Advisor and CERTIFIED FINANCIAL PLANNER™ professional who helps families navigate complex financial decisions and plan across generations. She brings investment management and comprehensive financial planning together to help families grow, preserve and transfer wealth in ways that reflect their priorities.
Indra begins by understanding the family behind the finances: their values, relationships and goals for the future. Her work considers how investment decisions connect with retirement, liquidity, tax and estate planning considerations, philanthropy and wealth transfer. She helps families evaluate important choices and adapt their strategies as their lives change.
A particular focus of her practice is building relationships across generations. A family’s financial picture often extends beyond one household. Indra helps families prepare children for financial independence, consider the needs of aging parents and plan for transitions in wealth and responsibility. Each generation brings its own goals and circumstances to the relationship.
As part of Aligned Wealth Management Group, Indra draws on the team’s Family Wealth Director capabilities and Morgan Stanley’s resources to address complex financial needs. When appropriate, she collaborates with clients’ attorneys, accountants and other professional advisors to help coordinate their wealth strategies.
Before joining Morgan Stanley, Indra served as a Vice President at J.P. Morgan Private Bank, advising families on growing and preserving wealth and addressing the complexities of generational wealth. She graduated summa cum laude from the University of Illinois Urbana-Champaign with a bachelor’s degree in finance and organization administration.
Indra and her husband, Scot, live in Hawthorn Woods, Illinois, with their children, Liam and Elina. She is active in her Lithuanian community and has served as a trustee of the District 95 Education Foundation, which supports educational innovation through grants and resources. She is also philanthropically involved with organizations supporting women.
Indra begins by understanding the family behind the finances: their values, relationships and goals for the future. Her work considers how investment decisions connect with retirement, liquidity, tax and estate planning considerations, philanthropy and wealth transfer. She helps families evaluate important choices and adapt their strategies as their lives change.
A particular focus of her practice is building relationships across generations. A family’s financial picture often extends beyond one household. Indra helps families prepare children for financial independence, consider the needs of aging parents and plan for transitions in wealth and responsibility. Each generation brings its own goals and circumstances to the relationship.
As part of Aligned Wealth Management Group, Indra draws on the team’s Family Wealth Director capabilities and Morgan Stanley’s resources to address complex financial needs. When appropriate, she collaborates with clients’ attorneys, accountants and other professional advisors to help coordinate their wealth strategies.
Before joining Morgan Stanley, Indra served as a Vice President at J.P. Morgan Private Bank, advising families on growing and preserving wealth and addressing the complexities of generational wealth. She graduated summa cum laude from the University of Illinois Urbana-Champaign with a bachelor’s degree in finance and organization administration.
Indra and her husband, Scot, live in Hawthorn Woods, Illinois, with their children, Liam and Elina. She is active in her Lithuanian community and has served as a trustee of the District 95 Education Foundation, which supports educational innovation through grants and resources. She is also philanthropically involved with organizations supporting women.
Securities Agent: NE, AZ, TX, NJ, NC, MT, IN, NV, KS, IL, VA, NY, LA, OR, MI, GA, WY, NM, TN, PA, OH, NH, MA, FL, DE, HI, CO, CA, SC, MN, DC, CT, AL, MD, WI, WA, MO, IA, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 821642
CA Insurance License #: OM48192
NMLS#: 821642
CA Insurance License #: OM48192
About Benjamin Brown
Ben understands the significant trust his clients place in him, recognizing his influential role within their families. To honor this trust and enhance his service, he expanded his wealth planning expertise by obtaining the Certified Private Wealth Advisor (CPWA) designation. This advanced certification equipped him with the skills to address the unique challenges faced by high-net-worth individuals, including strategies for tax minimization, asset monetization and protection, growth maximization, and effective wealth transfer aligned with client goals. Ben’s clients appreciate his professionalism and resourcefulness in providing a comprehensive virtual family office experience that serves multiple generations. His deep passion for and the insights into the markets further enrich the value he delivers.
Ben’s select clients of multi-generational business owners’ executives, family offices, and athletes have created substantial wealth and hope to preserve it for the next generations. As a CPWA®, he understands this experience and the values that shape it—process, discipline, hard work, and perseverance. These are the qualities he brings to relationships with his clients who hope to evolve their hard-earned success into leading lives of significance where they can have a profound impact on their families and the world at large.
Ben holds a B.S. in business administration from the Leeds School of Business at the University of Colorado. He lives in Barrington, IL with his family. He is deeply involved in various civic and charitable organizations through his local and national clients, most notably as a director for the Western Golf Association | Evans Scholars Foundation.
Ben’s select clients of multi-generational business owners’ executives, family offices, and athletes have created substantial wealth and hope to preserve it for the next generations. As a CPWA®, he understands this experience and the values that shape it—process, discipline, hard work, and perseverance. These are the qualities he brings to relationships with his clients who hope to evolve their hard-earned success into leading lives of significance where they can have a profound impact on their families and the world at large.
Ben holds a B.S. in business administration from the Leeds School of Business at the University of Colorado. He lives in Barrington, IL with his family. He is deeply involved in various civic and charitable organizations through his local and national clients, most notably as a director for the Western Golf Association | Evans Scholars Foundation.
Securities Agent: CT, CA, VT, PA, MT, CO, MO, WI, VA, SC, NV, NM, MA, HI, FL, DC, AZ, TX, NY, WA, OR, NE, MI, MD, GA, OH, IL, DE, AL, TN, NH, MN, WY, IN, IA, NJ, NC, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 2691012
CA Insurance License #: 0I01329
NMLS#: 2691012
CA Insurance License #: 0I01329
About Colleen Rapp
As a Financial Planning Specialist, Colleen and her team operate on the belief that understanding each client’s unique story, goals and priorities drives their custom advice. Colleen’s professional capabilities, competences and connections have translated clients’ individual needs and choices into robust, understandable, and empowering financial plans.
Colleen, originally from Chicago, earned her Bachelor of Science degree from Eastern Illinois University. She started her career at Allstate Financial Distributors and later joined AIG and First Trust Portfolios consulting with financial advisors and portfolio managers throughout the country before moving to Morgan Stanley in 2022. While at First Trust Portfolios, Colleen pursued her MBA in Finance from Dominican University in River Forest, Illinois.
Throughout her career, Colleen has focused on those areas where she can make a huge, positive difference in each client’s life. Her credentials, focused skills and experience help ensure that clients have a trusted advisor to lean on for clear thinking, perspective, and support.
She currently resides in Hawthorn Woods, Illinois with her husband, Ken. While away from the office, she enjoys hiking, playing piano and traveling with her family.
Pacesetter’s Club Member, 2025 and 2026
Morgan Stanley Wealth Management Pacesetter’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Club membership is no guarantee of future performance.
Securities Agent: NH, MA, AZ, AL, KS, HI, WA, NJ, NV, NM, NC, DC, CA, WY, MN, LA, FL, WI, VA, TN, MT, TX, NY, MO, IL, OR, MI, IN, CO, SC, OH, CT, IA, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 2342153
California Insurance License #4334757
Colleen, originally from Chicago, earned her Bachelor of Science degree from Eastern Illinois University. She started her career at Allstate Financial Distributors and later joined AIG and First Trust Portfolios consulting with financial advisors and portfolio managers throughout the country before moving to Morgan Stanley in 2022. While at First Trust Portfolios, Colleen pursued her MBA in Finance from Dominican University in River Forest, Illinois.
Throughout her career, Colleen has focused on those areas where she can make a huge, positive difference in each client’s life. Her credentials, focused skills and experience help ensure that clients have a trusted advisor to lean on for clear thinking, perspective, and support.
She currently resides in Hawthorn Woods, Illinois with her husband, Ken. While away from the office, she enjoys hiking, playing piano and traveling with her family.
Pacesetter’s Club Member, 2025 and 2026
Morgan Stanley Wealth Management Pacesetter’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Club membership is no guarantee of future performance.
Securities Agent: NH, MA, AZ, AL, KS, HI, WA, NJ, NV, NM, NC, DC, CA, WY, MN, LA, FL, WI, VA, TN, MT, TX, NY, MO, IL, OR, MI, IN, CO, SC, OH, CT, IA, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 2342153
California Insurance License #4334757
Securities Agent: WY, LA, FL, OR, MI, IN, CO, SC, OH, CT, TX, NY, MO, IL, NE, MD, KS, IA, HI, WA, NJ, NV, NM, NC, DC, CA, PA, NH, MA, AZ, AL, WI, VA, TN, MT, GA, OK, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 2342153
NMLS#: 2342153
About Maria Wojcik-Llamas
For more than 20 years, Maria A. Wojcik-Llamas has delivered exceptional customer service to clients in the financial services industry. As a Wealth Management Associate with Aligned Wealth Management, she is one of the first points of contact for clients and the “go to” person for clients’ operational and administrative requests, such as check requests, fund transfers and document facilitation. She is a natural problem solver who prides herself on her attention to detail and delivers first class service with incredible personal care.
Maria graduated from Northeastern Illinois University with a Bachelor of Science degree in accounting. She began her career in the financial industry at Charter One Bank (formerly St. Paul Federal Bank). After working with clients for several years, she joined the Oakbrook Terrace branch of Smith Barney and later transitioned to the Barrington Branch.
Maria, her husband and three children live in the northwest suburbs. In her spare time, she enjoys camping, biking, playing volleyball and spending time with family and friends.
email address: alignedwealth-serviceteam@morganstanley.com
Maria graduated from Northeastern Illinois University with a Bachelor of Science degree in accounting. She began her career in the financial industry at Charter One Bank (formerly St. Paul Federal Bank). After working with clients for several years, she joined the Oakbrook Terrace branch of Smith Barney and later transitioned to the Barrington Branch.
Maria, her husband and three children live in the northwest suburbs. In her spare time, she enjoys camping, biking, playing volleyball and spending time with family and friends.
email address: alignedwealth-serviceteam@morganstanley.com
About Nate Stevens
Nate Stevens is a Registered Client Relationship Analyst who recently joined the Aligned Wealth Management Group in Barrington, Illinois. His primary focus is providing first-class service to the clients he helps serve. He prides himself on his ability to proactively find solutions to problems clients might face now and in the future.
Nate graduated from the University of Kentucky with a Bachelor of Business Administration degree in Finance. In his spare time, Nate enjoys golfing, travelling, and spending time with his closest family and friends.
email address: alignedwealth-serviceteam@morganstanley.com
Nate graduated from the University of Kentucky with a Bachelor of Business Administration degree in Finance. In his spare time, Nate enjoys golfing, travelling, and spending time with his closest family and friends.
email address: alignedwealth-serviceteam@morganstanley.com
About Jack Algrim
Jack Algrim is a Registered Client Relationship Analyst who recently joined the Aligned Wealth Management group in Barrington, Illinois. He focuses on providing the best experience and personalized service to all the clients he helps serve to align best with their financial goals.
Jack graduated Summa Cum Laude from Iowa State University with a Bachelor of Science in Finance. Jack enjoys golfing, skiing, and spending time with friends. As an Eagle Scout, Jack developed a love for hiking, camping, and a devotion to service.
email address: alignedwealth-serviceteam@morganstanley.com
Jack graduated Summa Cum Laude from Iowa State University with a Bachelor of Science in Finance. Jack enjoys golfing, skiing, and spending time with friends. As an Eagle Scout, Jack developed a love for hiking, camping, and a devotion to service.
email address: alignedwealth-serviceteam@morganstanley.com
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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.
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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.
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1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Alternative 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.
4Morgan 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
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
7Morgan 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.
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 and other legal matters.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9Morgan 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.
10Investing 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. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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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)
