Micah Lillich, CFP®
Senior Vice President,
Financial Advisor
Direct:
(225) 237-3143(225) 237-3143
My Mission Statement
Helping clients like you with your personalized investment and financial strategies
My Story and Services
Micah Lillich, CFP® is a Morgan Stanley Financial Advisor serving Houma, Thibodaux and South Louisiana's Bayou Region with personalized financial planning, retirement planning, investment management and wealth management strategies.
Wealth Management Built Around Your Life
Personalized financial planning and wealth management for individuals, families, business owners and retirees throughout Thibodaux, Houma and South Louisiana's Bayou Region.
Financial decisions become more important—and often more complicated—as your life and wealth evolve. My role is to help simplify those decisions, bring the different pieces of your financial life together and give you a clear strategy for moving forward.
I believe good financial advice begins with understanding the person or family behind the numbers. That means understanding what you have built, what matters to you, what keeps you up at night and what you ultimately want your wealth to accomplish.
From there, I work with you to develop a personalized financial strategy encompassing investments, retirement, cash flow, risk management, business interests and legacy considerations.
My goal is straightforward: help you make informed financial decisions with greater clarity and confidence while providing the personal attention you should expect from your financial advisor.
Local Relationships. Comprehensive Wealth Management.
I have spent my career helping individuals and families make thoughtful decisions about their financial lives.
I joined Morgan Stanley in 2017 after beginning my career as a financial advisor with LPL Financial. Today, as a Senior Vice President and Financial Advisor, I work with clients across a broad range of financial circumstances—from professionals and business owners who are actively building wealth to families preparing for retirement and retirees focused on preserving what they have built and creating a lasting legacy.
I hold the CERTIFIED FINANCIAL PLANNER® designation and earned both my Bachelor of Science in Finance and Master of Business Administration from Louisiana State University, where I was named to the Dean's List for ten consecutive semesters.
While credentials and resources matter, I believe the relationship between an advisor and client matters just as much.
My approach is personal, straightforward and highly engaged. I want my clients to understand the strategy behind the recommendations we make together—not simply be handed a portfolio or financial plan they don't understand.
Financial planning should help answer real questions:
- Am I doing the right things today?
- Can I retire when I want to?
- How much can I comfortably spend in retirement?
- Am I taking too much—or too little—investment risk?
- How should I invest after selling a business or receiving a large liquidity event?
- What should I do with an old 401(k), pension or concentrated stock position?
- How do I provide for my family while also creating a meaningful legacy?
- How do all of my investments, insurance, retirement accounts, business interests and estate objectives fit together?
Those are the conversations I want to have with my clients.
Services Include
- Financial PlanningFootnote1
- Wealth ManagementFootnote2
- Professional Portfolio ManagementFootnote3
- Retirement PlanningFootnote4
- Business PlanningFootnote5
- Business Succession PlanningFootnote6
- Cash ManagementFootnote7
- Life InsuranceFootnote8
- Long-term Care InsuranceFootnote9
- AnnuitiesFootnote10
- Trust ServicesFootnote11
- Estate Planning StrategiesFootnote12
- Wealth PlanningFootnote13
Securities Agent: CA, WA, FL, CO, NY, VA, NC, SC, PA, OH, AL, TX, TN, OK, LA, GA, AZ, MS, MD, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 1785343
AR Insurance License #: 16958890
NMLS#: 1785343
AR Insurance License #: 16958890
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
PURSUING YOUR GOALS, TOGETHER
Every client’s circumstances are different, but much of my work centers around people whose financial lives have become significant enough that they want thoughtful, ongoing advice rather than a collection of disconnected accounts.
Individuals and Families
I help families organize the different pieces of their financial lives and develop a coordinated strategy around investing, retirement, education, major purchases, cash management, risk and long-term goals.
Business Owners and Entrepreneurs
For many business owners, personal wealth and business wealth are closely connected. I can help address investment management, retirement plans, liquidity needs, succession considerations and the transition from building a business to eventually turning its value into personal financial independence.
Pre-Retirees and Retirees
The transition into retirement creates a different set of financial decisions. Together, we can evaluate retirement income needs, investment allocation, Social Security and retirement benefits, distribution strategies, cash reserves and legacy objectives while continually evaluating whether your plan remains on track.
Professionals and Executives
As careers progress, compensation, retirement benefits, equity awards and accumulated investments can create additional complexity. I help clients evaluate these pieces together rather than making financial decisions in isolation.
Families Managing Significant Wealth
As wealth grows, so does the need for coordination. Through Morgan Stanley, I can access extensive wealth-management resources while remaining your primary point of contact—helping you evaluate your investments, liquidity, lending needs, risk management, trust and estate-planning considerations and multigenerational goals.
Advice Should Start With Your Life, Not Your Portfolio.
Goals you set today will evolve over time. My process is designed to evolve with them - and with the changing circumstances of your life. Holistic in its approach, my planning process will encompass all the elements of your financial and personal life, seeking to help ensure they align with your current and future goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, I can help you take charge of your financial future and support your goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, I can help you take charge of your financial future and support your goals.
1. Understand
Our relationship begins with a conversation.
Before discussing investments or recommending strategies, I want to understand your family, career, business, assets, obligations, priorities, concerns and long-term goals.
Before discussing investments or recommending strategies, I want to understand your family, career, business, assets, obligations, priorities, concerns and long-term goals.
2. Organize
We identify the different pieces of your financial life and develop a clearer picture of where you stand today.
That may include investments, retirement accounts, employer benefits, cash, insurance, liabilities, business interests and other assets.
That may include investments, retirement accounts, employer benefits, cash, insurance, liabilities, business interests and other assets.
3. Plan
We translate your goals into a financial strategy.
Your plan becomes the framework for evaluating questions such as retirement readiness, savings, portfolio allocation, income needs, liquidity and risk.
Your plan becomes the framework for evaluating questions such as retirement readiness, savings, portfolio allocation, income needs, liquidity and risk.
4. Implement
Once we agree on a strategy, we determine the appropriate steps for putting it into action.
Rather than making changes simply for the sake of making changes, my objective is to make each recommendation purposeful and connected to your broader financial plan.
Rather than making changes simply for the sake of making changes, my objective is to make each recommendation purposeful and connected to your broader financial plan.
5. Monitor and Adjust
Financial planning is not a one-time event.
Markets change. Tax laws change. Businesses change. Families change. Your priorities may change.
We continue to review your plan, investments and progress over time and make adjustments when appropriate.
Markets change. Tax laws change. Businesses change. Families change. Your priorities may change.
We continue to review your plan, investments and progress over time and make adjustments when appropriate.
The Resources of Morgan Stanley. A Relationship Close to Home.
One reason I chose to build my practice at Morgan Stanley is the ability to offer a personal advisor relationship alongside with the resources and capabilities of a global financial services institution.
That combination is important to me.
My clients may benefit from access to Morgan Stanley’s investment research, financial-planning technology, portfolio analytics, lending and cash-management capabilities, alternative investment resources, where appropriate, and broader wealth-management resources, while continuing to work directly with an advisor who seeks to understand them and their family.
You shouldn’t have to choose between access to sophisticated financial resources and personal service.
My goal is to help provide both.
That combination is important to me.
My clients may benefit from access to Morgan Stanley’s investment research, financial-planning technology, portfolio analytics, lending and cash-management capabilities, alternative investment resources, where appropriate, and broader wealth-management resources, while continuing to work directly with an advisor who seeks to understand them and their family.
You shouldn’t have to choose between access to sophisticated financial resources and personal service.
My goal is to help provide both.
Morgan Stanley Online
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorizations.
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Total Wealth View
View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you'll benefit from more informed wealth planning, secure data access and convenient connectivity.
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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.
Learn MoreFamily Office Resources
Morgan Stanley Family Office Resources provides specialized, technical expertise to select clients across a broad range of family wealth management issues. Our core capabilities span three complimentary areas of focus including Governance & Legacy, Wealth Strategies and Signature Access.
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On The Markets Research Report
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GIC Weekly Research Report
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Rachel White - Registered Associate
Phone:
(985) 360-4060(985) 360-4060
Email:Rachel.White@morganstanley.com
Rachel White is a dedicated Registered Associate who values helping clients feel informed, confident, and well-supported throughout every stage of their financial journey. Guided by her values of integrity, service, and care for others, Rachel's approach is rooted in confidence, clear communication, and a strong attention to detail. She focuses on addressing client needs and seeks to deliver consistent, reliable support.
Clients often appreciate Rachel's cheerful demeanor and the thoughtful care she brings to every interaction. Working closely with Micah Lillich as part of a collaborative team, Rachel supports clients through day-to-day service and the execution of customized wealth strategies. The most rewarding part of her role is striving to build meaningful relationships.
Rachel began her career in the financial services industry as an intern at LPL Financial in 2016 and joined Morgan Stanley in 2021. She holds the Series 7 and 66 securities registrations, as well as a Louisiana Insurance License for Variable Life and Annuities. Rachel earned a Bachelor of Science in Marketing from Louisiana State University (LSU).
Outside of her professional life, Rachel is committed to her community, having previously served as a volunteer Team Supervisor for the American Red Cross and a Small Group Coordinator and RCIA Lead Administrator for her local church. She enjoys spending time with her family, cooking, and traveling. Born and raised in Thibodaux, LA, Rachel currently resides there with her husband, Roy.
Clients often appreciate Rachel's cheerful demeanor and the thoughtful care she brings to every interaction. Working closely with Micah Lillich as part of a collaborative team, Rachel supports clients through day-to-day service and the execution of customized wealth strategies. The most rewarding part of her role is striving to build meaningful relationships.
Rachel began her career in the financial services industry as an intern at LPL Financial in 2016 and joined Morgan Stanley in 2021. She holds the Series 7 and 66 securities registrations, as well as a Louisiana Insurance License for Variable Life and Annuities. Rachel earned a Bachelor of Science in Marketing from Louisiana State University (LSU).
Outside of her professional life, Rachel is committed to her community, having previously served as a volunteer Team Supervisor for the American Red Cross and a Small Group Coordinator and RCIA Lead Administrator for her local church. She enjoys spending time with her family, cooking, and traveling. Born and raised in Thibodaux, LA, Rachel currently resides there with her husband, Roy.
Location
1214 St. Charles Street
Houma, LA 70360
US
Direct:
(225) 237-3143(225) 237-3143
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact Micah Lillich 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 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 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.
3Morgan 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
7Morgan 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
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Morgan 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.
12Morgan 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.
13Morgan 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 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 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.
3Morgan 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
7Morgan 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
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Morgan 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.
12Morgan 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.
13Morgan 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)
