Curtis Nesbit Jr.
Registered Client Service Associate
Phone:
(732) 936-3407(732) 936-3407
Meghan O'Neill, ChFC®
Executive Director,
Financial Advisor
Direct:
(732) 936-3305(732) 936-3305
My Mission Statement
I am dedicated to helping clients navigate life’s complex financial decisions by providing trusted, comprehensive advice focused on preserving and growing wealth and achieving long-term client goals.
My Story and Services
Meghan O’Neill brings over 20 years of financial experience in portfolio management and investment consulting to high-net-worth families. Meghan prides herself on listening carefully to her clients’ needs and becoming their go-to trusted advisor for all life events. Her primary goal is to help families navigate complex decisions, preserve and grow wealth and tailor advise on both sides of the balance sheet – investments – traditional and alternatives, cash management, lending, trust and estate planning, charitable giving, insurance planning and more.
Financial planning is at the root of her practice, and this planning approach leads to a greater understanding of portfolio positioning to help her clients meet their long-term goals. Meghan strives to understand each client’s personal situation while leveraging her experience with multiple market cycles, providing advice on both strategic and tactical investments to meet high impact and tax-efficient results.
Prior to joining Morgan Stanley, Meghan spent over a decade at J.P. Morgan Private Bank, where she was a Managing Director and Advisor on the New York Financial Leaders Team. Meghan worked with a wide range of clients; from Wall Street Executives, Law Firm and Private Equity Partners and entrepreneurs. Additionally, she spent over 5 years at Citi Private Bank in the Law Firm Group and started her career at Fidelity Investments.
Meghan prides herself on helping her clients and their families reach their financial goals, and has a commitment to providing trusted, transparent investment advice and care. Meghan has a Bachelor of Science in Business Administration from Rowan University. She has the following licenses and certifications: ChFC®, Series 7, 63, 65, 66, and life and health insurance. She lives in Monmouth County, NJ and loves spending time and travelling with her family.
Financial planning is at the root of her practice, and this planning approach leads to a greater understanding of portfolio positioning to help her clients meet their long-term goals. Meghan strives to understand each client’s personal situation while leveraging her experience with multiple market cycles, providing advice on both strategic and tactical investments to meet high impact and tax-efficient results.
Prior to joining Morgan Stanley, Meghan spent over a decade at J.P. Morgan Private Bank, where she was a Managing Director and Advisor on the New York Financial Leaders Team. Meghan worked with a wide range of clients; from Wall Street Executives, Law Firm and Private Equity Partners and entrepreneurs. Additionally, she spent over 5 years at Citi Private Bank in the Law Firm Group and started her career at Fidelity Investments.
Meghan prides herself on helping her clients and their families reach their financial goals, and has a commitment to providing trusted, transparent investment advice and care. Meghan has a Bachelor of Science in Business Administration from Rowan University. She has the following licenses and certifications: ChFC®, Series 7, 63, 65, 66, and life and health insurance. She lives in Monmouth County, NJ and loves spending time and travelling with her family.
Services Include
- Asset Management
- Financial PlanningFootnote1
- Cash Management and Lending ProductsFootnote2
- Retirement PlanningFootnote3
- Wealth ManagementFootnote4
- Alternative InvestmentsFootnote5
- Estate Planning StrategiesFootnote6
- Life InsuranceFootnote7
- AnnuitiesFootnote8
- 529 PlansFootnote9
- Donor Advised Funds
- Sustainable InvestingFootnote10
Securities Agent: DC, IA, RI, OH, NJ, MO, DE, VT, TN, NC, MT, MD, CT, AR, WY, WI, OR, NY, MS, WA, HI, VI, VA, MN, KY, FL, AL, PA, NH, ID, CO, AZ, UT, SD, ND, ME, CA, WV, SC, PR, MA, KS, AK, NV, NM, NE, MI, LA, IL, GA, TX, OK, IN; General Securities Representative; Investment Advisor Representative
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
PERSONALIZED SOLUTIONS
At Morgan Stanley Wealth Management, exclusive access to vast resources, combined with our unique capabilities, gives me the means to support your goals at every stage of your life.
Asset Management
I help clients develop tailored investment strategies designed around their goals, time horizon, liquidity needs and risk tolerance. By drawing on Morgan Stanley's global resources and investment capabilities, I seek to build and manage diversified portfolios that can adapt as markets and your financial priorities evolve.
Financial Planning
Morgan Stanley Financial Planning can show you a comprehensive snapshot of your finances. We can help you create a wealth plan that's adaptable to the different stages of your life using our award-winning tools—Goals Planning System (GPS) and LifeView.
Cash Management and Lending Products
I recognize that clients and their families have unique needs that require dedicated experience and capabilities. My goal is to help simplify your financial life with a combination of cash management and lending solutions designed to complement your investment strategy and support your financial goals.
Retirement Planning
From IRAs to RMDs, I can help guide you through complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with security and confidence.
Wealth Management
I provide comprehensive wealth management that brings together investment strategy, financial planning, cash management, lending and legacy considerations. By drawing on Morgan Stanley's global resources and capabilities, I can help coordinate the many aspects of your financial life around your goals, priorities and evolving needs.
Alternative Investments
For eligible investors, alternative investments may offer opportunities to complement traditional holdings through additional sources of return and diversification. I can help evaluate how carefully selected strategies may fit within your broader wealth plan, risk profile and liquidity needs.
Estate Planning Strategies
I help families consider strategies for transferring wealth in a thoughtful and tax-efficient manner. Working alongside your legal and tax advisors, I can help align trust and estate planning, lifetime gifting, charitable giving and family governance considerations with your values, legacy goals and the needs of future generations.
A CLIENT EXPERIENCE CENTERED AROUND YOU
Exceptional client service is the cornerstone of my practice. I strive to deliver a highly personalized experience through proactive communication, consistent follow-through and attentive support tailored to your family's evolving needs. This commitment is complemented by Morgan Stanley's extensive resources, including family office capabilities, digital tools and exclusive services designed to help simplify and enhance your financial life.
White-Glove Client Service
I deliver a personalized experience through proactive communication, attentive service and consistent follow-through, helping ensure your needs are addressed promptly and thoughtfully.
Morgan Stanley Core Values
Morgan Stanley's core values—putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back—guide how I serve clients and build lasting relationships.
Knowledge and Experience
With more than 20 years of experience across multiple market cycles, I bring seasoned perspective to each client relationship. By combining this experience with Morgan Stanley's global insights and intellectual capital, I help clients evaluate opportunities, navigate complex decisions and move forward with greater clarity and confidence.
Morgan Stanley Online
Morgan Stanley Online (MSO) allows you to seamlessly and securely manage your investments and everyday finances in one place.
Morgan Stanley Mobile App
The Morgan Stanley Mobile App gives you the same capabilities as MSO, all from the convenience of your mobile device. It also offers features to help simplify your everyday finances.
Cybersecurity Resources
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Spending and Budgeting Tools
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tools.
INVESTING WITH DISCIPLINE
My intentional approach focuses on you, your family, and your future – where you are today and where you want to go. Working together, we will develop strategies to help you get there, navigating life's challenges and empowering you to make more informed decisions about your wealth.
Step 1: Discovery
I take time to fully understand what is most important to you, your family, and your legacy. Whether you're planning for retirement, purchasing a home, or living out your retirement years - I consider your aspirations, challenges, risk tolerance and other factors to help me develop your financial plan.
Step 2: Plan Development
Using your goals as a guide, I create a detailed financial plan with recommendations aimed at helping you grow, preserve, and transfer your wealth. I use proprietary financial planning tools in tandem with your personal priorities to help formulate a plan that fits your needs.
Step 3: Plan Implementation
In this step, I present the strategy I created for you in detail. Upon your approval, I begin to implement the strategy using the firm's world-class platforms. I will also set you up with tools to provide convenient access to your accounts.
Step 4: Ongoing Communication and Service
Continuing the conversation allows me to help ensure that your current goals are top of mind when working on your wealth management strategy. I monitor your plan and portfolio to help make certain your assets are positioned to align with your changing circumstances.
TIMELY INSIGHTS FOR YOUR FINANCIAL FUTURE
Staying informed can help you make more confident financial decisions. Explore timely market perspectives, investment insights and educational resources from Morgan Stanley's leading thinkers to better understand the trends shaping your financial future.
Insights and Ideas
My clients benefit from access to the intellectual capital of our Global Investment Committee, a group of leading market thinkers uniquely dedicated to providing high-quality, industry-leading investment ideas to Wealth Management clients.
Thoughts on the Market Podcast
Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets,
asset class performance and fixed income.
On the Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as
global equities, fixed income, monetary policy and more.
Morgan Stanley Five Ideas Financial Newsletter
Receive timely market insights, perspectives on macroeconomic trends, and Morgan Stanley ideas directly in your inbox each week.
Wealth Education
Financial literacy means being equipped with the knowledge to help make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
Location
1030 Broad Street 3rd
Floor
Shrewsbury, NJ 07702
US
Direct:
(732) 936-3305(732) 936-3305
1030 Broad Street
3rd Floor
Shrewsbury, NJ 07702
US
Direct:
(732) 936-3305(732) 936-3305
Meet My Team
About Curtis Nesbit Jr.
Curtis Nesbit Jr. is a Client Service Associate with Morgan Stanley, where he supports Financial Advisors and clients with a thoughtful, responsive and detail-oriented approach to service. He believes that strong communication, transparency and steady follow-through can help clients address their needs and navigate complexity with greater confidence.
Curtis began his career in financial services with Equitable Advisors in 2022 before joining Morgan Stanley in 2025. His professional background is complemented by his academic foundation in finance and analytics. He earned his degree from Rochester Institute of Technology, where he majored in Finance, minored in Business Analytics and graduated cum laude.
Curtis holds the Series 6, 7, 63, 66 and SIE registrations, as well as New Jersey Health and Life Insurance licenses. His experience and training help him provide attentive administrative and client service support within the wealth management process.
Outside of work, Curtis enjoys fitness, sports, food, comics, music and spending time in nature. A former captain of the Men’s Varsity Basketball team and member of the Winter All-Academic Team in 2020, he brings discipline, teamwork and a service-minded perspective to his role.
Curtis began his career in financial services with Equitable Advisors in 2022 before joining Morgan Stanley in 2025. His professional background is complemented by his academic foundation in finance and analytics. He earned his degree from Rochester Institute of Technology, where he majored in Finance, minored in Business Analytics and graduated cum laude.
Curtis holds the Series 6, 7, 63, 66 and SIE registrations, as well as New Jersey Health and Life Insurance licenses. His experience and training help him provide attentive administrative and client service support within the wealth management process.
Outside of work, Curtis enjoys fitness, sports, food, comics, music and spending time in nature. A former captain of the Men’s Varsity Basketball team and member of the Winter All-Academic Team in 2020, he brings discipline, teamwork and a service-minded perspective to his role.
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
Anthony Viskovic
Private Banker
Adrian Schwartz, CFP®
Financial Planning Director, Vice President
About Anthony Viskovic
Anthony Viskovic is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
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.
Anthony began his career in financial services in 2004, and joined Morgan Stanley in 2010 as a Regional Lending Advisor. Prior to joining the firm, he was an Internal Banking Consultant at UBS Financial Services.
Anthony is a graduate of Rutgers University, where he received a Bachelor of Arts Degree in Economics. He lives in Ocean, New Jersey with his family. Outside of the office, Anthony enjoys being active, cooking, traveling and spending time with his family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Anthony began his career in financial services in 2004, and joined Morgan Stanley in 2010 as a Regional Lending Advisor. Prior to joining the firm, he was an Internal Banking Consultant at UBS Financial Services.
Anthony is a graduate of Rutgers University, where he received a Bachelor of Arts Degree in Economics. He lives in Ocean, New Jersey with his family. Outside of the office, Anthony enjoys being active, cooking, traveling and spending time with his family.
NMLS#: 1427370
About Adrian Schwartz
Adrian Schwartz is a vice president and financial planning director, serving Morgan Stanley’s Wealth Management offices in the Greater Philadelphia and Coastal New Jersey markets. He is responsible for helping financial advisors with their clients’ and prospects’ financial planning needs.
Adrian began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to his current position, Adrian worked at TD Ameritrade in New York with some of the firm’s wealthiest clients in the region and managed two branches.
Adrian graduated from Rutgers Business School with an MBA and holds his CERTIFIED FINANCIAL PLANNER™ designation. Adrian lives in Manalapan, NJ with his wife and two young children. Outside of work, Adrian spends most of his time with his family. When the opportunity presents itself, he also enjoys playing guitar and golfing.
Adrian began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to his current position, Adrian worked at TD Ameritrade in New York with some of the firm’s wealthiest clients in the region and managed two branches.
Adrian graduated from Rutgers Business School with an MBA and holds his CERTIFIED FINANCIAL PLANNER™ designation. Adrian lives in Manalapan, NJ with his wife and two young children. Outside of work, Adrian spends most of his time with his family. When the opportunity presents itself, he also enjoys playing guitar and golfing.
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
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.
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
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.
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
Article Image
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
Article Image
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
Article Image
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
Ready to start a conversation? Contact Meghan O'Neill today.
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.
2Morgan 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
3When 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.
4Morgan 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.
5Alternative 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.
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.
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.
9Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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.
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
2Morgan 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
3When 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.
4Morgan 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.
5Alternative 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.
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.
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.
9Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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.
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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
