Isaac Simon
Senior Vice President, Wealth Management, Portfolio Manager Director, Financial Advisor
Phone:
(212) 903-7760(212) 903-7760
Michael Marra, CFP®, CRPS®
Senior Vice President, Wealth Management,
Financial Advisor,
CERTIFIED FINANCIAL PLANNER®,
Chartered Retirement Plans Specialist,
Senior Portfolio Manager
Direct:
(212) 649-8610(212) 649-8610
My Mission Statement
Helping clients like you achieve all of your retirement and investment goals
About Michael
I began my financial service career 13 years ago as a client service associate with Ameriprise Financial. I moved to Morgan Stanley as a Wealth Advisory Associate in 2012, where I developed comprehensive financial plans and strategies for clients. I moved into the Financial Advisor role in 2014 where I work closely with my clients to help identify and prioritize their financial needs and goals that matter most. Comfort comes from having structure, a comprehensive plan and a relationship with a financial professional who cares. Let me provide guidance for all aspects of your financial life and know that someone knowledgeable and responsible is always looking out for your best interest and concerns.
Michael attended Providence College and graduated with a B.S in Finance. He currently holds his series 7, 66 and Life and Health Licenses. He also attained the Chartered Retired Plan Specialist title through the College of Financial Planning in 2013. He is also a Certified Financial Planner, CFP®.
Michael lives on Long Island with his wife, Gina and enjoys golfing, skiing, and traveling in his free time.
Michael attended Providence College and graduated with a B.S in Finance. He currently holds his series 7, 66 and Life and Health Licenses. He also attained the Chartered Retired Plan Specialist title through the College of Financial Planning in 2013. He is also a Certified Financial Planner, CFP®.
Michael lives on Long Island with his wife, Gina and enjoys golfing, skiing, and traveling in his free time.
Services Include
- Financial PlanningFootnote1
- Asset Management
- Retirement PlanningFootnote2
- 401(k) Rollovers
- Business PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Cash ManagementFootnote5
- Life InsuranceFootnote6
- Long Term Care InsuranceFootnote7
- Qualified Retirement PlansFootnote8
- Planning for Education FundingFootnote9
- Business Succession PlanningFootnote10
Securities Agent: NJ, NY, CT, NV, MS, IL, FL, VT, NH, NC, WI, PA, MA, GA, DC, CO, VA, OH, MI, ME, CA, AZ, AL, TX, SC, OK, NM, WA, OR, HI, MD, KY, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 1310719
NMLS#: 1310719
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
As a Financial Advisor with Morgan Stanley, my relationship with my clients is central to all I do. I take the time to get to know them, working closely to help identify and prioritize their financial needs and goals that matter most. Then based on our discussions, I help develop a personalized financial plan that serves as a road-map for the future.
Today, it’s natural to have questions about your retirement, even if you’ve saved and planned for it. We are committed to providing premier service and focus on helping clients successfully navigate the inevitable complexities that come with wealth.
My most important goal: to help you achieve your objectives, providing guidance that helps your wealth do more for you.
OUR CLIENTS:
Everything we do is focused on our valued clients. Our practice is built on the development of deep and enduring relationships and the delivery of comprehensive wealth management services. Our clients include:
• Individuals and Families
• Family Offices
• Corporate Executives
• Business Owners
• Non-Profits
Today, it’s natural to have questions about your retirement, even if you’ve saved and planned for it. We are committed to providing premier service and focus on helping clients successfully navigate the inevitable complexities that come with wealth.
My most important goal: to help you achieve your objectives, providing guidance that helps your wealth do more for you.
OUR CLIENTS:
Everything we do is focused on our valued clients. Our practice is built on the development of deep and enduring relationships and the delivery of comprehensive wealth management services. Our clients include:
• Individuals and Families
• Family Offices
• Corporate Executives
• Business Owners
• Non-Profits
My Team
Visit The Simon-Marra-Parks Group at Morgan Stanley.
https://advisor.morganstanley.com/the-simon-marra-parks-group
https://advisor.morganstanley.com/the-simon-marra-parks-group
Digital Capabilities Resources for our clients
For more information, please reach out to us.
Financial Planning / Retirement Planning
Financial Planning / Retirement Planning
Compiling a full financial picture — that takes both your life goals and your life stage into consideration — is the starting point to a meaningful retirement analysis.
The first step in creating a personalized financial strategy is to develop a thorough understanding of your financial goals and the resources available to fund them. This document will help define and prioritize these goals and identify your resources. In addition, please gather statements for any accounts not held at Morgan Stanley, which will be helpful when discussing resources to fund your financial goals.
Click --> WORKSHEET: Financial Planning / Retirement PlanningThe first step in creating a personalized financial strategy is to develop a thorough understanding of your financial goals and the resources available to fund them. This document will help define and prioritize these goals and identify your resources. In addition, please gather statements for any accounts not held at Morgan Stanley, which will be helpful when discussing resources to fund your financial goals.
Location
55 East 52nd Street 10th
29th Fl
New York, NY 10055
US
Direct:
(212) 649-8610(212) 649-8610
Fax:
(212) 903-7701(212) 903-7701
Meet My Team
Gwen Parks
Financial Planning Specialist, Financial Advisor
Phone:
(212) 903-7745(212) 903-7745
Joshua Friedman, CFP®*
Vice President, Director of Business Strategy
Phone:
(212) 903-7767(212) 903-7767
Carmen Ortiz
Senior Client Service Associate
Phone:
(212) 903-7775(212) 903-7775
About Isaac Simon
Isaac seeks to understand clients’ goals, values, and circumstances, and then he customizes strategies designed to target their objectives and help them maintain the financial independence they’ve worked their whole lives to achieve. In addition to applying his investment acumen to portfolio construction and wealth planning, Isaac sees tremendous value in his experience as an educator and coach, because it helps him communicate the importance of financial planning and its core concepts to his clients.
BACKGROUND AND EXPERIENCE
Isaac began his career in 1996 at J.B. Oxford, a brokerage financial services firm, and moved to UBS in 2001. He later formed an advisory team at Morgan Stanley in 2014. Isaac graduated from the State College at Buffalo with a B.A. in business administration.
GETTING TO KNOW ISAAC
Isaac grew up in upstate New York and currently resides in Manhattan with his wife, Sandi, and two children, Ryan and Ava. In his spare time, he enjoys volunteering, working out, and traveling. Isaac has been involved with Coalition for the Homeless since 2006, and he received the Advisor with Heart Award from Registered Rep magazine in 2012, an honor that recognizes industry professionals who are deeply committed to charitable causes. In 2017, Isaac won the Community Leadership award from Morgan Stanley.
BACKGROUND AND EXPERIENCE
Isaac began his career in 1996 at J.B. Oxford, a brokerage financial services firm, and moved to UBS in 2001. He later formed an advisory team at Morgan Stanley in 2014. Isaac graduated from the State College at Buffalo with a B.A. in business administration.
GETTING TO KNOW ISAAC
Isaac grew up in upstate New York and currently resides in Manhattan with his wife, Sandi, and two children, Ryan and Ava. In his spare time, he enjoys volunteering, working out, and traveling. Isaac has been involved with Coalition for the Homeless since 2006, and he received the Advisor with Heart Award from Registered Rep magazine in 2012, an honor that recognizes industry professionals who are deeply committed to charitable causes. In 2017, Isaac won the Community Leadership award from Morgan Stanley.
About Gwen Parks
Gwen is committed to helping clients throughout the country grow and preserve their wealth by delivering highly customized advice in an effort to achieve their financial goals. As a Financial Advisor and the team’s Financial Planning Specialist, she uses a comprehensive wealth management planning process to understand each client’s individual values and objectives. Gwen has experience working with woman and families going through transitions in their lives that require education, guidance, and alteration to their financial plan. She finds it rewarding to be able to grow with her clients through their lifelong milestones.
BACKGROUND AND EXPERIENCE
Gwen joined Morgan Stanley in 2017 in western New York as a Digital Advisor to help the firm’s Financial Advisors with growth strategies utilizing digital resources. She later became a Wealth Advisor Associate working with Advisors and their clients on financial planning. Gwen moved to New York City in 2019, where she joined her current team as a Financial Advisor. Previously, she worked for a global medical imaging company, where she held various positions in corporate finance and supply chain management. Her diverse background has broadened her perspective and enhanced her problem-solving skills, both of which are assets in the work she focuses on today. Gwen holds multiple licenses, including the Series 7, 66, and Life, Accident, and Health Insurance. She graduated from Syracuse University with a B.S. in finance and supply chain management.
GETTING TO KNOW GWEN A native of Rochester, Gwen currently resides in New York City (Forest Hills) with her husband, Steve, and son, Stanley. She enjoys exploring New York City, traveling, cooking, and spending time with family and friends.
BACKGROUND AND EXPERIENCE
Gwen joined Morgan Stanley in 2017 in western New York as a Digital Advisor to help the firm’s Financial Advisors with growth strategies utilizing digital resources. She later became a Wealth Advisor Associate working with Advisors and their clients on financial planning. Gwen moved to New York City in 2019, where she joined her current team as a Financial Advisor. Previously, she worked for a global medical imaging company, where she held various positions in corporate finance and supply chain management. Her diverse background has broadened her perspective and enhanced her problem-solving skills, both of which are assets in the work she focuses on today. Gwen holds multiple licenses, including the Series 7, 66, and Life, Accident, and Health Insurance. She graduated from Syracuse University with a B.S. in finance and supply chain management.
GETTING TO KNOW GWEN A native of Rochester, Gwen currently resides in New York City (Forest Hills) with her husband, Steve, and son, Stanley. She enjoys exploring New York City, traveling, cooking, and spending time with family and friends.
About Joshua Friedman, CFP®*
Josh is the team’s Director of Business Strategy, focusing on operations and administration. He is responsible for client trading, portfolio reporting, investment research, and assistance with cash management and lending services.
BACKGROUND AND EXPERIENCE Josh began his career at Morgan Stanley in 2010 and has held a variety of roles at the firm, including providing order entry support and working on the financial planning desk. By collaborating with thousands of the firm’s advisors through these positions, he gained valuable insight about Morgan Stanley resources that he uses today as he works with clients. Josh joined the team as a Client Service Associate in 2014, and he has earned the Series 7, 66, and Life and Health Insurance licenses, as well as the CERTIFIED FINANCIAL PLANNER®* designation. He graduated from Rutgers University with a B.A. in economics.
GETTING TO KNOW JOSH Josh grew up in Marlboro, New Jersey, and currently lives in Long Island City. He is an avid sports fan and plays in several flag football and basketball leagues. In addition, he enjoys cooking, volunteering, and golfing in his free time.
*This role cannot solicit or provide investment advice
BACKGROUND AND EXPERIENCE Josh began his career at Morgan Stanley in 2010 and has held a variety of roles at the firm, including providing order entry support and working on the financial planning desk. By collaborating with thousands of the firm’s advisors through these positions, he gained valuable insight about Morgan Stanley resources that he uses today as he works with clients. Josh joined the team as a Client Service Associate in 2014, and he has earned the Series 7, 66, and Life and Health Insurance licenses, as well as the CERTIFIED FINANCIAL PLANNER®* designation. He graduated from Rutgers University with a B.A. in economics.
GETTING TO KNOW JOSH Josh grew up in Marlboro, New Jersey, and currently lives in Long Island City. He is an avid sports fan and plays in several flag football and basketball leagues. In addition, he enjoys cooking, volunteering, and golfing in his free time.
*This role cannot solicit or provide investment advice
About Carmen Ortiz
Carmen assists clients with all aspects of account service, including wire transfers, administrative changes, and Morgan Stanley Online. She enjoys building relationships by helping clients address a wide range of account-related needs, and her goal is to exceed their service expectations, both initially and continually over the long term.
BACKGROUND AND EXPERIENCE Carmen has spent most of her career at Morgan Stanley and joined the firm in 1999. Prior to Morgan Stanley, she worked in the banking industry for 10 years. As a result of her tenure, she is highly knowledgeable about firm resources and processes, which helps her serve clients efficiently and accurately.
GETTING TO KNOW CARMEN Born and raised in New York, Carmen lives in Queens with her husband, Jorge. Outside the office, she loves to crochet and has put these skills to work for Morgan Stanley’s Loops of Love charity. Carmen also enjoys spending time with her nieces and nephews, reading, going for walks, and spending afternoons in her back yard gardening.
BACKGROUND AND EXPERIENCE Carmen has spent most of her career at Morgan Stanley and joined the firm in 1999. Prior to Morgan Stanley, she worked in the banking industry for 10 years. As a result of her tenure, she is highly knowledgeable about firm resources and processes, which helps her serve clients efficiently and accurately.
GETTING TO KNOW CARMEN Born and raised in New York, Carmen lives in Queens with her husband, Jorge. Outside the office, she loves to crochet and has put these skills to work for Morgan Stanley’s Loops of Love charity. Carmen also enjoys spending time with her nieces and nephews, reading, going for walks, and spending afternoons in her back yard gardening.
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
Tony Silva
Private Banker
Charlotte Spatz
Private Banker
About Tony Silva
Tony Silva is a Private Banker serving Morgan Stanley’s Wealth Management offices in New York City.
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.
Tony began his career in financial services in 1995, and joined Morgan Stanley in 2015. Prior to his current position, he was a Project Manager in our Home Loans organization. Prior to joining the firm, he held a number of roles at mortgage financing institutions.
Tony is a graduate of Rutgers University, where he received a Bachelor of Science in Management. He lives in Livingston, NJ with his family. Outside of the office, Tony enjoys traveling, playing soccer, and spending time with family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Tony began his career in financial services in 1995, and joined Morgan Stanley in 2015. Prior to his current position, he was a Project Manager in our Home Loans organization. Prior to joining the firm, he held a number of roles at mortgage financing institutions.
Tony is a graduate of Rutgers University, where he received a Bachelor of Science in Management. He lives in Livingston, NJ with his family. Outside of the office, Tony enjoys traveling, playing soccer, and spending time with family and friends.
NMLS#: 217945
About Charlotte Spatz
Charlotte Spatz is a Private Banker serving Morgan Stanley Wealth Management offices in New York.
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.
Charlotte began her career in financial services in 2015, and joined Morgan Stanley in 2016 as a Complex Administrator. Prior to being promoted to her current position, Charlotte served as an Associate Private Banker supporting Wealth Management offices in New York City and was a Regional Administrator before that. Before joining the firm, she was an Operations Associate at the Lebenthal & Co.
Charlotte is a graduate of the Marist College, where she received a Bachelor of Arts in Communication. She currently lives in Greenwich, Connecticut.
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.
Charlotte began her career in financial services in 2015, and joined Morgan Stanley in 2016 as a Complex Administrator. Prior to being promoted to her current position, Charlotte served as an Associate Private Banker supporting Wealth Management offices in New York City and was a Regional Administrator before that. Before joining the firm, she was an Operations Associate at the Lebenthal & Co.
Charlotte is a graduate of the Marist College, where she received a Bachelor of Arts in Communication. She currently lives in Greenwich, Connecticut.
NMLS#: 2008389
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Wealth Management
From My Desk
Study Links Good Financial Habits to Achieving Happiness
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
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
Article Image
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
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Michael Marra 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.
2When 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.
3Morgan 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.
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.
5Morgan 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
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8When 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.
9When 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.
10Morgan 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.
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.
2When 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.
3Morgan 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.
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.
5Morgan 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
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8When 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.
9When 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.
10Morgan 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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
