Michael J. Gonzalez, CFP®
Senior Vice President, Financial Advisor
Phone:
(415) 984-6016(415) 984-6016
Michael J Gonzalez, CFP®
Senior Vice President,
Financial Advisor
Direct:
(415) 984-6016(415) 984-6016
Toll-Free:
(800) 289-9060(800) 289-9060
My Mission Statement
Dedicated to positively impacting the lives of clients by providing resourceful financial solutions, alleviating concerns through expert planning, always acting with integrity and compassion.
Committed to building lasting relationships and empower financial confidence at every stage in life.
Committed to building lasting relationships and empower financial confidence at every stage in life.
My Story and Services
For me, becoming a Financial Advisor was never just about markets or numbers. It was about choosing a career where I could build something meaningful, enjoy the work, and show up for people when decisions feel heavy. There are a few areas in life that shape everything else, and finances are one of them.
My "why" is simple: to matter in the lives of my clients and their families by being a steady presence, a thoughtful listener, and a trusted guide through the moments that require real perspective. As a CERTIFIED FINANCIAL PLANNER® professional, I pair my knowledge and technical proficiency with genuine care for the people I serve. I strive to be an advocate for my clients, looking beyond the obvious and helping connect the dots across their financial lives with insight, experience, and a commitment to helping them make informed decisions.
Over time, the goal is to build a relationship that feels steady and personal, especially as life evolves and priorities change.
Securities Agent: OR, CO, CA, AZ, NV, HI, VA, ID, WA, NM, MI, VT, DE, NC, MD, FL, WY, NJ, DC, TX, NY, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 1791999
CA Insurance License #: #0A46046
NMLS#: 1791999
CA Insurance License #: #0A46046
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Your Financial Future, Planned with Purpose
Financial Planning
The Morgan Stanley Wealth Management Process begins with you, your investment objectives, and your financial aspirations. A holistic approach to managing your financial life, ensuring your investments, savings, and cash flow align with your goals.
Retirement Planning
From IRAs to personalized savings strategies, we help you plan for the retirement lifestyle you envision. Whether you’re just starting to save or approaching retirement, we focus on aligning your investments with your goals, providing financial security and peace of mind.
Estate Planning Strategies
Ensure your wealth is passed on according to your wishes. We help structure your estate plan while considering taxes, beneficiaries, and long-term goals.
Education Planning
We guide you through savings strategies and investment options to fund education expenses at every stage.
401(k) Rollovers
Have a 401(k) from a previous job? We streamline the rollover process, consolidating your assets for easier management and optimized growth.
Asset Management
We design an investment strategy tailored to your goals, assets, and financial needs, helping you build and preserve wealth.
Cash Management Solutions
As A Morgan Stanley client, you have access to a full suite of cash management tools, including eAuthorization, Bill Pay, and debit cards, designed to simplify your day-to-day finances.
Long-Term Care Insurance
Plan ahead for future care needs. We can help protect your assets from high medical costs that may not be covered by standard insurance.
Life Insurance
Protect your loved ones with the right life insurance policy. We can help you navigate the complexities of choosing coverage that provides financial security when it’s needed most.
Annuities
Annuities provide a tax-deferred way to grow your savings and secure steady income in retirement. We’ll help you explore options that fit your long-term needs.
Your Financial Toolkit
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies that we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
GIC Weekly Research Reports
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read The Latest Report
Online Security Center
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.
Learn More About Online Security Center
On The Markets Research Reports
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more
Read The Latest Report
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Private Banking Brochure
As a valued Morgan Stanley client, you are eligible to take advantage of our comprehensive and competitive suite of cash management and lending solutions.
View The Brochure
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn About Our Planning Tools
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest EpisodeGiving Back & Making an Impact
At the heart of financial planning is the ability to create a lasting impact, not just for ourselves, but for our communities. Philanthropy is an important part of my life, and when I’m not helping clients plan for their future, I’m dedicating my time to causes that matter.
Whether it’s supporting local charities, volunteering, or helping clients incorporate charitable giving into their financial plans, I believe giving back is one of the most meaningful ways to make a difference.
If philanthropy is important to you too, let’s talk. I’d love to help you align your financial strategy with your charitable goals so you can give with confidence and purpose.
— Mike
Whether it’s supporting local charities, volunteering, or helping clients incorporate charitable giving into their financial plans, I believe giving back is one of the most meaningful ways to make a difference.
If philanthropy is important to you too, let’s talk. I’d love to help you align your financial strategy with your charitable goals so you can give with confidence and purpose.
— Mike
St. Jude Children's Research Hospital
St. Jude specializes in care for some of the toughest pediatric cases while investing in cutting-edge scientific research. Families never receive a bill from St. Jude for treatment, travel, housing or food, so they can focus on helping their child live.
SF-Marin Food Bank & Alameda County Community Food Bank
Hunger is a critical issue in our communities. I support both the San Francisco-Marin Food Bank and the Alameda County Community Food Bank in their missions to provide food assistance, advocate for change, and address the root causes of hunger.
Scouting America
I’ve been involved in Scouting for about 20 years, beginning at the Tiger Cub level and later serving as a Den Leader, Scoutmaster, Eagle Advisor, and Boy Scout trainer. Through Scouting, I've had the opportunity to mentor young people both boys and girls, helping them develop leadership skills, confidence, and a strong sense of responsibility.
Youth Sports & Mentorship
Coaching has been a passion of mine for years. I’ve had the privilege of coaching Pee Wee baseball with the local Little League, soccer with the American Youth Soccer Association, and basketball with the Catholic Youth Organization. Investing in young people through sports teaches teamwork, discipline, and perseverance, skills that last a lifetime.
Faith & Community Involvement
My faith is central to my life. I serve as a Eucharistic Minister and Lector, and I’m a member of my church’s finance committee. I also led Children’s Liturgy for many years, helping young people engage with their faith in meaningful ways.
Location
555 California St 35th
Floor
San Francisco, CA 94104
US
Direct:
(415) 984-6016(415) 984-6016
Toll-Free:
(800) 289-9060(800) 289-9060
Fax:
(415) 984-6596(415) 984-6596
Meet My Team
Nacole Carson
Assistant Vice President, Wealth Management Associate
Phone:
(415) 984-6080(415) 984-6080
About Michael J. Gonzalez
Mike is a Senior Vice President at Morgan Stanley, where he has dedicated his over 35-year career to helping individuals and families manage and grow their wealth. Based in San Francisco, Mike brings a deep understanding of markets and a steady hand during uncertain times — qualities that have earned him the trust and loyalty of clients across generations.
His team is grounded in a straightforward philosophy: protect and grow clients’ assets, offer thoughtful financial planning, and deliver outstanding service. As a Certified Financial Planner™ (CFP®), Mike takes the time to truly understand his clients’ goals and values. He builds strategic, customized, and tax-efficient portfolios that support long-term success and help families plan for the future with confidence.
A California native, Mike earned his B.A. in History from Pomona College in 1985 and received his CFP® designation in 2007. He’s proud to have been recognized by his peers with the Shearson Lehman Hutton Commitment & Dedication Award, Class 90-21 — an honor given to the advisor most trusted to care for others’ clients.
Mike married his college sweetheart, Marisa, on Leap Day in 1992 and together they’ve raised three children, one daughter and two sons. His family believes it's important to be active community volunteers and help make life better for others. Mike served as a Scoutmaster and coached more than 30 Eagle Scout candidates. And yes, there’s always a beagle in the house — 28 years and counting. Woof!
His team is grounded in a straightforward philosophy: protect and grow clients’ assets, offer thoughtful financial planning, and deliver outstanding service. As a Certified Financial Planner™ (CFP®), Mike takes the time to truly understand his clients’ goals and values. He builds strategic, customized, and tax-efficient portfolios that support long-term success and help families plan for the future with confidence.
A California native, Mike earned his B.A. in History from Pomona College in 1985 and received his CFP® designation in 2007. He’s proud to have been recognized by his peers with the Shearson Lehman Hutton Commitment & Dedication Award, Class 90-21 — an honor given to the advisor most trusted to care for others’ clients.
Mike married his college sweetheart, Marisa, on Leap Day in 1992 and together they’ve raised three children, one daughter and two sons. His family believes it's important to be active community volunteers and help make life better for others. Mike served as a Scoutmaster and coached more than 30 Eagle Scout candidates. And yes, there’s always a beagle in the house — 28 years and counting. Woof!
Securities Agent: OR, CO, CA, AZ, NV, HI, VA, ID, WA, NM, MI, VT, DE, NC, MD, FL, WY, NJ, DC, TX, NY, KS; General Securities Representative; Investment Advisor Representative
CA Insurance License #: 0A46046
CA Insurance License #: 0A46046
About Nacole Carson
Nacole Carson began her career in financial services with Franklin Templeton in San Mateo, CA in 1998. In 1999, she joined Morgan Stanley in pursuit of an opportunity that would allow her to have a more personal impact on clients. By recognizing the importance and enjoying the process of getting to know her clients as individuals, Nacole facilitates an outstanding client experience and drives exceptional results.
Nacole is passionate about giving back to the greater San Francisco community, actively volunteering at both the Food Bank of Contra Costa and the San Francisco-Marin Food Bank.
In her free time, Nacole enjoys running half marathons, reading, and spending time with family and friends.
Nacole is passionate about giving back to the greater San Francisco community, actively volunteering at both the Food Bank of Contra Costa and the San Francisco-Marin Food Bank.
In her free time, Nacole enjoys running half marathons, reading, and spending time with family and friends.
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
Rosana Vantuyl
Private Banker | Market Manager
Nick Chandler
Planning Associate
About Rosana Vantuyl
Rosana Vantuyl is a Private Banker | Market Manager serving Morgan Stanley Wealth Management offices in California.
Private Banker | Market Managers partner with Financial Advisors/ Private Wealth Advisors (collectively “Advisors”) to deliver specialized cash management and lending solutions, while strategically leading sales activity and deepening client engagement across Wealth Management markets to drive growth aligned with long-term business objectives.
Rosana began her career in financial services in 2010 and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch.
Rosana is a graduate of the University of Oregon, where she received a Bachelor of Science in Psychology. She lives in San Francisco, California with her family. Outside of the office, Rosana enjoys traveling, the outdoors, and spending time with her family.
Private Banker | Market Managers partner with Financial Advisors/ Private Wealth Advisors (collectively “Advisors”) to deliver specialized cash management and lending solutions, while strategically leading sales activity and deepening client engagement across Wealth Management markets to drive growth aligned with long-term business objectives.
Rosana began her career in financial services in 2010 and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch.
Rosana is a graduate of the University of Oregon, where she received a Bachelor of Science in Psychology. She lives in San Francisco, California with her family. Outside of the office, Rosana enjoys traveling, the outdoors, and spending time with her family.
NMLS#: 637533
About Nick Chandler
Nick Chandler is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Nick provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from University of Iowa and received the Financial Planning Specialist® designation from the College for Financial Planning. Nick is originally from Chicago, IL and currently resides there as well.
He earned his undergraduate degree from University of Iowa and received the Financial Planning Specialist® designation from the College for Financial Planning. Nick is originally from Chicago, IL and currently resides there as well.
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.
When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account.
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.
When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account.
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact Michael J Gonzalez 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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.
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 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8Morgan 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
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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.
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 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8Morgan 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
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:
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
