Christopher Schumm, CIMA®
Executive Director, Financial Advisor, Alternative Investments Director, Family Wealth Director
Phone:
(913) 402-5223(913) 402-5223
McQueary Schumm Munsell Group at Morgan Stanley
Direct:
(913) 402-5200(913) 402-5200
Toll-Free:
(866) 532-0554(866) 532-0554
Our Mission Statement
Forming a meaningful working relationship by guiding high net worth individuals and family offices to their goals and objectives while addressing complex needs by providing comprehensive solutions.
Our Story and Services
Ryan McQueary, Chris Schumm and Terri Munsell have over 70 years of combined experience. The McQueary Schumm Munsell Group focuses on client-centric, tax aware investment strategies while managing specific portfolio risks through manager selection and asset allocation. We favor long-term investment strategies that emphasize total return over a complete investment cycle. Our extensive planning capabilities and experience are used to engage clients in customized solutions with a particular emphasis put on ascertaining the client's fiscal and personal circumstances. We are experienced in both straightforward and complex planning needs.
Services Include
- Cash ManagementFootnote1
- Asset Management
- Estate Planning StrategiesFootnote2
- Financial PlanningFootnote3
- Municipal BondsFootnote4
- Professional Portfolio ManagementFootnote5
- Wealth Consulting
- Wealth ManagementFootnote6
- Retirement PlanningFootnote7
- Trust AccountsFootnote8
- Alternative InvestmentsFootnote9
- Wealth PlanningFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Digital Resources for Clients
Morgan Stanley's suite of Modern Wealth Management Tools allows advisors to offer more customized and comprehensive advice than anywhere else. These tools' ease of use allows for a more in-depth view of a client's financial life to be taken, resulting in better service and more well-rounded advice.
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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.
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Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
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The McQueary Schumm Munsell Group is committed to providing both prospects & clients the latest insight and resources available to be better informed in the current marketplace. The most current content available includes:
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The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
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Tax-Managed Strategies: Keeping More of What You Earn
Each client's tax situation is unique and we believe their tax management experience should be as well. The article linked below covers ways that as Morgan Stanley Financial Advisors, we can help ensure our clients' investments are as tax efficient as possible.
Morgan Stanley Private Markets
The private markets landscape has evolved into a fast-growing source of potential investment opportunities. We offer our eligible clients access to the firm's resources, reputation and relationships in this space that can lead to excellent sources of alpha-driving portfolio diversification.
Thoughts on the Market Podcast
Morgan Stanley's top thought leaders discuss their perspectives on forces shaping the markets. Click the link below to listen to the most recent episodes.
Alternative Investment Strategies & Family Wealth Solutions
The partners are strong advocates for customized investment processes that include asset classes beyond traditional stocks and bonds, to not just diversify risk for their clients, but also help capture long term capital appreciation. Beyond that, the team has significant experience managing generational wealth. The advisors consider their experience and knowledge in the alternatives and family wealth spaces to be critical verticals in the holistic service they provide to their clients and their families. Please click the links below to read more about these important parts of their business.
Morgan Stanley Private Markets
The private markets landscape has evolved into a fast-growing source of potential investment opportunities. We offer our eligible clients access to the firm's resources, reputation and relationships in this space that can lead to excellent sources of alpha-driving portfolio diversification.
Location
11161 Overbrook Rd.
Ste 225
Leawood, KS 66211
US
Direct:
(913) 402-5200(913) 402-5200
Toll-Free:
(866) 532-0554(866) 532-0554
Fax:
(816) 912-3685(816) 912-3685
Meet McQueary Schumm Munsell Group
Ryan McQueary, CFP®
Executive Director, Financial Advisor, Family Wealth Director, Alternative Investments Director
Phone:
(913) 402-5213(913) 402-5213
Senior Vice President, Financial Advisor, Alternative Investments Director
Phone:
(913) 402-5215(913) 402-5215
Leigh Patterson
Portfolio Associate
Phone:
(913) 402-5218(913) 402-5218
Mindy M. Kim
Vice President, Business Development Associate
Phone:
(913) 402-5292(913) 402-5292
Andrew Ottavianelli
Client Relationship Analyst
Phone:
(913) 402-5273(913) 402-5273
About Christopher Schumm
Chris Schumm joined Morgan Stanley in 1996 and has over 26 years of industry experience as a Financial Advisor and previously held a Branch Manager position for 13 years. Chris is a Certified Investment Management Analyst®, CIMA®, an Alternative Investment Director, a Family Wealth Director and a Senior Vice President.
Securities Agent: NM, AR, UT, OH, CO, VT, RI, OR, NJ, MT, MN, MA, IL, IA, WI, MO, MI, NE, KS, IN, ID, TN, CA, LA, AZ, AL, HI, SD, NY, GA, CT, PR, OK, NV, MS, DC, WA, VA, TX, PA, ND, NC, KY, DE, SC, FL; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1192283
NMLS#: 1192283
About Ryan McQueary
Ryan McQueary started as a Financial Advisor in 1997 and has over 25 years of industry experience assisting high net worth individuals and families manage their financial assets and liabilities. He is a Certified Financial Planner - CFP®, Family Wealth Director and a Executive Director.
Securities Agent: WA, MN, VA, OH, NY, NC, LA, HI, MI, CA, WI, SD, KY, IA, TX, NJ, NE, MA, UT, NV, DE, CT, KS, DC, SC, RI, OR, NM, GA, VT, PA, ID, FL, CO, AZ, TN, IN, IL, OK, MO; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1252945
NMLS#: 1252945
About Terri Roberts Munsell
Terri Roberts Munsell is a Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Workplace Advisor- Equity Compensation and Qualified Financial Plan Consultant, and Senior Vice President with the McQueary Schumm Munsell Group at Morgan Stanley. Terri has more than 25 years of experience representing and advising clients. She has 18 years of experience in financial services combined with her background as an estate planner and tax attorney (non practicing at Morgan Stanley). She seeks to provide her clients a distinct perspective for their personal financial plans, goals and investment strategies.
Terri earned a Bachelor’s Degree from Kansas State University, a J.D. from the University of Tulsa College of Law, and an LL.M. in Taxation from The University of Missouri-Kansas City School of Law. She sits on the board of Women in Insurance and Financial Services.
She seeks to make complex financial planning and investment concepts easy to understand – helping her clients make important decisions and most importantly to take action. Terri helps clients build a financial plan based on their specific goals and constructs personalized investment strategy to help support their plan.
Terri sits on the board of the Kansas City Estate Planning Symposium, one of the premier providers of educational programming for trust and estate planning professionals in the Midwest. She also is a past board member of Madam President Camp, a leadership program for middle school girls.
Terri earned a Bachelor’s Degree from Kansas State University, a J.D. from the University of Tulsa College of Law, and an LL.M. in Taxation from The University of Missouri-Kansas City School of Law. She sits on the board of Women in Insurance and Financial Services.
She seeks to make complex financial planning and investment concepts easy to understand – helping her clients make important decisions and most importantly to take action. Terri helps clients build a financial plan based on their specific goals and constructs personalized investment strategy to help support their plan.
Terri sits on the board of the Kansas City Estate Planning Symposium, one of the premier providers of educational programming for trust and estate planning professionals in the Midwest. She also is a past board member of Madam President Camp, a leadership program for middle school girls.
Securities Agent: NJ, VT, KY, VA, TN, IN, IA, HI, FL, CO, WA, NV, MO, MI, IL, UT, NH, LA, RI, OH, NE, KS, ID, AZ, DC, OR, OK, NC, DE, CT, CA, MT, TX, PA, MN, GA, WI, SD, SC, NY, NM, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 2510848
NMLS#: 2510848
About Leigh Patterson
Leigh is a Portfolio Associate with 28 years of experience in the industry. She works directly with clients and enjoys getting to know them and helping them accomplish their specific financial needs. Leigh works closely with the team in coordinating and implementing service-related items.
About Mindy M. Kim
Mindy is a Business Development Associate with over 25 years of industry experience. she has been with the firm since 2005 serving both institutional and wealth management clients. She is fully licensed and enjoys working closely with clients to address their financial needs.
About Andrew Ottavianelli
Andrew started his collegiate career as a swimmer for the University of Denver before transferring to Iowa State University where he ultimately earned a degree in Construction Engineering in the Spring of 2024. Andrew has always had a deep affinity for financial management and helping others achieve their financial goals. He prides himself on being an avid learner, which aids him in his curiosity of the financial industry.
Starting his career in the construction management and engineering industry, Andrew has a unique set of skills. Andrew looks to develop immensely in his role as a Client Relationship Analyst by participating in client engagements, financial planning, and providing above and beyond service.
Andrew is eager to build on experiences from his previous career and contribute to the team as much as possible. Outside of work, he likes to be active with lifting, snowboarding, boating, and most watersports. Andrew is elated to join the team and create many new and lasting relationships along the way.
Starting his career in the construction management and engineering industry, Andrew has a unique set of skills. Andrew looks to develop immensely in his role as a Client Relationship Analyst by participating in client engagements, financial planning, and providing above and beyond service.
Andrew is eager to build on experiences from his previous career and contribute to the team as much as possible. Outside of work, he likes to be active with lifting, snowboarding, boating, and most watersports. Andrew is elated to join the team and create many new and lasting relationships along the way.
Contact Christopher Schumm
Contact Ryan McQueary
Contact Terri Roberts Munsell
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
About Greg Cole
Greg Cole is a Private Banker serving Morgan Stanley Wealth Management offices in Missouri.
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.
Greg began his career in financial services in 1999 and joined Morgan Stanley in 2011. Prior to joining the firm, he was a Regional Banking Consultant at Wells Fargo Advisors. Greg has also served as an Area Manager with JP Morgan Chase and was a Senior Mortgage Consultant in the Smith Barney division at CitiMortgage.
Greg is a graduate of Rockhurst University, where he received a Bachelor of Arts in Psychology. He and his family currently reside in O’Fallon, Missouri. Outside of the office, Greg enjoys spending time with his 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.
Greg began his career in financial services in 1999 and joined Morgan Stanley in 2011. Prior to joining the firm, he was a Regional Banking Consultant at Wells Fargo Advisors. Greg has also served as an Area Manager with JP Morgan Chase and was a Senior Mortgage Consultant in the Smith Barney division at CitiMortgage.
Greg is a graduate of Rockhurst University, where he received a Bachelor of Arts in Psychology. He and his family currently reside in O’Fallon, Missouri. Outside of the office, Greg enjoys spending time with his family and friends.
NMLS#: 801927
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Wealth Management
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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
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
Iran Conflict: Seven Takeaways for Investors
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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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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
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 McQueary Schumm Munsell Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley Smith Barney LLC 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
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 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.
4Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
5Morgan 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.
6Morgan 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.
7When 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.
8Morgan 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.
9Alternative 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.
10Morgan 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.
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.
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
1Morgan 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
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 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.
4Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
5Morgan 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.
6Morgan 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.
7When 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.
8Morgan 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.
9Alternative 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.
10Morgan 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.
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.
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), 4763067 (9/2025)
