Michael J. Curley, CFA
Managing Director, Financial Advisor, Family Wealth Director, Alternative Investment Director, Portfolio Management Director, Lending Specialist
Phone:
(772) 234-1804(772) 234-1804
Industry Award WinnerMy Mission Statement
We provide highly personalized financial services to a select group of clients, delivering a premium level of service built on trust, expertise, and tailored guidance.
Welcome
At the core of our practice is a dedication to helping clients navigate financial complexities with clarity, confidence, and purpose. Led by Financial Advisor Michael J. Curley, our team brings decades of experience advising high-net-worth individuals, families, and business owners through every stage of their financial journey.
We offer a full suite of personalized wealth management services - including investment management, tax-aware estate and legacy planning, strategic lending solutions, and thoughtful guidance around business transitions and generational wealth transfer.
Whether you're building, preserving, or passing on wealth, our promise is simple: we are here to help you make informed decisions that align with your vision for the future – so you can focus on what matters most.
Our Commitment To Our Clients:
We approach every client relationship with a deep sense of responsibility and care. These are the principles that guide everything we do:
Integrity: You can count on us for honest advice, objective guidance, and a fiduciary mindset in every recommendation.
Discretion & Trust: We operate under strict confidentiality and regulatory standards. Your privacy is the law.
Holistic Collaboration: We collaborate seamlessly with your legal, tax, and business professionals- and open our network to connect you with best-in-class specialists when additional expertise is needed.
Relationship-Driven Advice: We take the time to understand what matters most to you. Every strategy is thoughtfully customized to reflect your unique goals, priorities, and circumstances.
Services Include
Securities Agent: NY, AL, LA, TX, PA, NV, MO, CO, IA, NH, NC, KY, ID, AZ, VT, SC, MA, IN, FL, DC, WI, VA, OH, WA, CA, AR, UT, TN, NJ, MD, IL, GA, CT, MI, PR; General Securities Representative; Investment Advisor Representative
NMLS#: 1582747
NMLS#: 1582747
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Estates, Trusts, and Business Sales
Preparing for the transition and sale of a business requires planning across many financial disciplines. Working closely with clients early in this process helps them consider all aspects of the transaction to optimize the economic opportunity. Below are some resources that provide insight on the process of selling a business and different types of trusts to consider.
Trusts
You can’t take it with you, but through a trust, you can define how you want your life’s work and wealth to continue to benefit the people and causes you love and care for.
Click to Learn More
Donor Advised Funds
There’s more to charitable giving than you may realize. Here’s one method that provides flexibility and can help maximize your impact. Read below to learn more about a tax efficient way to manage your giving.
Click to Read More
Family Resources
Hidden risks abound. For affluent families, this can mean unwanted financial exposure. A simple risk assessment can go a long way to help close these gaps.
Click to Read More
Estate Gifting
As you consider gifting options, ask yourself how you would like financial gifts made to children or other family members to be used.
Click to Read More
Life After Selling a Business
Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.
Click to Learn MoreOur Approach
While every client is different, we follow a process to ensure that we address the most essential client needs and can make recommendations that are in their best interest.
1. Develop an Understanding
Investing the time to understand your unique circumstances to identify, develop, and prioritize your financial goals.
2. “Plot” Your Starting Point
Identify your current trajectory to find and address weaknesses and strengths.
3. Creating a Plan
We will develop a plan together that improves upon your current trajectory in a way that works for you. We will craft a tailored investing strategy and asset allocation designed to balance your short and long-term goals, help you navigate different forms of risk, and help to optimize your outcomes.
4. Formulation of Tax, Trust, and Estate Strategy
Working with your tax and legal advisors, we will help to analyze your tax and estate tax circumstances to tailor planning techniques that may be used to address your objectives.
5. Put the Plan Into Action
We will implement your plan utilizing strategies that will adjust for the unknowns the future may bring.
6. Monitor and Continuous Refinement
We will provide timely updates and monitor your performance. At the end of the day, most people want to know that they are on track. So as we review your plans, we will maintain that focus so that you can know if you are on track.
Chartered Financial Analyst
Administered by CFA Institute, the Chartered Financial Analyst® (CFA®) Program is a graduate-level, self-study curriculum and examination program for investment specialists. Established in 1962, the CFA Program sets the global standard for investment knowledge, standards, and ethics.
Learn More
Forbes Magazine’s Best-In-State Wealth Advisors
(2024, 2025, 2026) Forbes Best-In- State Wealth Advisors Source: Forbes.com (2024, 2025, 2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
(https://www.morganstanley.com/disclosures/awards-disclosure.html)
(https://www.morganstanley.com/disclosures/awards-disclosure.html)
Morgan Stanley Masters Club
Morgan Stanley's Masters' Club is an elite group composed of the Firm's top Financial Advisors. This appointment recognizes the advisor's consistent creativity and excellence in providing a wide range of investment products and wealth management services to his/her clients.
Morgan Stanley Wealth Management Master's Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Club membership is no guarantee of future performance.
Morgan Stanley Wealth Management Master's Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Club membership is no guarantee of future performance.
Tax Efficient Strategies
Discover strategic tax efficient planning solutions tailored to your financial goals. Our personalized approach to minimize tax liabilities with a focus on long term growth empowers you to make the most of your earnings.
Your Guide to Tax-Efficient Planning
Consider these smart tax strategies for your financial plan.
Click to Read More
5 Steps that May Reduce Taxes on Your Income and Portfolio
Minimizing tax liabilities in your portfolio can play a key role in helping you build wealth over the long run.
Click to Read More
Want to Keep More of Your Investment Returns? Consider These Tax Moves
Establishing a tax management strategy for your investments may help you keep more of your returns.
Click to Learn More
Federal Tax Tables 2026
Depending on your taxable income, you can end up in one of seven different federal income tax brackets – each with its own marginal tax rate.
Click to See Tables
How to Access Your Tax Forms
How to Access Your Tax Forms
1. Log into your account via Morgan Stanley Online
2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
Click Here to Log In to Morgan Stanley Online1. Log into your account via Morgan Stanley Online
2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
Location
3525 Ocean Drive
Vero Beach, FL 32963
US
Direct:
(772) 234-1804(772) 234-1804
Meet My Team
Kristie Edwards
Wealth Management Associate
Phone:
(772) 234-1837(772) 234-1837
Selena Carnohan
Registered Client Service Associate
Phone:
(772) 234-1807(772) 234-1807
Hanson Peirce
Registered Client Service Associate
Phone:
(772) 234-1817(772) 234-1817
About Michael J. Curley
Drawing on 27 years of experience in both institutional investment and high net worth industries, Michael brings a depth of analytical experience and industry insight into his role as a Financial Advisor. With emphasis working with affluent families, Michael leverages these skills to diversify concentrated public and private equity positions across a spectrum of traditional and alternative investments. Committed to providing a tailored, high-class service reminiscent of Four Seasons hospitality, his aim is to empower clients to prioritize their lives and loved ones while he manages their financial strategies with precision and care.
Prior to joining Morgan Stanley in 2016, Michael served as a portfolio manager and strategist at several prominent hedge funds. Michael specialized in managing global equity portfolios within the financial services industry.
Over the past 18 years, he traveled extensively throughout Europe, Asia, and Latin America, engaging with executives and investors while analyzing companies, economies, and markets. To deepen his knowledge of Asia, the world's largest and fastest growing economy, Mike and his family relocated to Singapore for two years. While in Singapore, he focused on China, India, and Japan, studying their cultures, politics, and economic systems to refine his global market perspective.
Originally from Ridgewood, NJ, Mike later lived in Greenwich, CT, for nine years before relocating to Vero Beach, FL, with his wife and two sons. Michael holds a B.A in History from DePauw University, an MBA from The Tuck School of Business at Dartmouth, and is a CFA Charter holder. He is a member of the New Club in St. Andrews Scotland, The Royal Dornoch Golf Club, The Yale Club of New York City and The Quail Valley Golf Club in Vero Beach, FL.
Prior to joining Morgan Stanley in 2016, Michael served as a portfolio manager and strategist at several prominent hedge funds. Michael specialized in managing global equity portfolios within the financial services industry.
Over the past 18 years, he traveled extensively throughout Europe, Asia, and Latin America, engaging with executives and investors while analyzing companies, economies, and markets. To deepen his knowledge of Asia, the world's largest and fastest growing economy, Mike and his family relocated to Singapore for two years. While in Singapore, he focused on China, India, and Japan, studying their cultures, politics, and economic systems to refine his global market perspective.
Originally from Ridgewood, NJ, Mike later lived in Greenwich, CT, for nine years before relocating to Vero Beach, FL, with his wife and two sons. Michael holds a B.A in History from DePauw University, an MBA from The Tuck School of Business at Dartmouth, and is a CFA Charter holder. He is a member of the New Club in St. Andrews Scotland, The Royal Dornoch Golf Club, The Yale Club of New York City and The Quail Valley Golf Club in Vero Beach, FL.
Securities Agent: NY, AL, LA, TX, PA, NV, MO, CO, IA, NH, NC, KY, ID, AZ, VT, SC, MA, IN, FL, DC, WI, VA, OH, WA, CA, AR, UT, TN, NJ, MD, IL, GA, CT, MI, PR; General Securities Representative; Investment Advisor Representative
About Kristie Edwards
With 20 years of experience in the financial services industry, including the last 10 years being with Morgan Stanley, Kristie Edwards plays an integral role on Michael Curley’s team. Known affectionately as “The Wizard” for her exceptional attention to detail and problem-solving expertise, Kristie specializes in Operations, Cash Management and New Account Onboarding. She ensures that even the most intricate client needs are handled with precision and care, delivering an excellent client experience and outcome.
Kristie holds a Master of Business Administration from Lawrence Technological University in Michigan and maintains her Series 7, Series 66, and Florida 2-15 Resident Health & Life Agent Licenses.
Outside of the office, Kristie enjoys traveling to Disney Vacation Club resorts and spending time with her husband and their two dogs. An avid sports enthusiast, she follows college and professional basketball and football. Kristie is also deeply committed to giving back, volunteering as an online chat host for her church and supporting her local community.
Kristie holds a Master of Business Administration from Lawrence Technological University in Michigan and maintains her Series 7, Series 66, and Florida 2-15 Resident Health & Life Agent Licenses.
Outside of the office, Kristie enjoys traveling to Disney Vacation Club resorts and spending time with her husband and their two dogs. An avid sports enthusiast, she follows college and professional basketball and football. Kristie is also deeply committed to giving back, volunteering as an online chat host for her church and supporting her local community.
About Selena Carnohan
Since joining Michael Curley’s team as an intern in 2022, Selena Carnohan currently serves as a Registered Client Service Associate for Michael Curley, where she is responsible for Alternative Investment Research and Operations and is the Marketing and Special Events Coordinator. Prior to her current role, Selena spent five years in hospitality at Orchid Island Golf and Beach Club, where her leadership and dedication to exceptional service earned her the Team Member of the Year award in 2021.
Selena earned her Bachelor of Science in Business Administration from the University of Central Florida and holds her Series 7 and Series 66 licenses. Currently, she is pursuing her Chartered Alternative Investment Analyst (CAIA) designation as a Level 1 candidate.
Outside of the office, Selena enjoys hiking in North Carolina, playing pickleball and discovering new cultures through food. She is also an active volunteer at her Church, contributing to initiatives that support her local community.
Selena earned her Bachelor of Science in Business Administration from the University of Central Florida and holds her Series 7 and Series 66 licenses. Currently, she is pursuing her Chartered Alternative Investment Analyst (CAIA) designation as a Level 1 candidate.
Outside of the office, Selena enjoys hiking in North Carolina, playing pickleball and discovering new cultures through food. She is also an active volunteer at her Church, contributing to initiatives that support her local community.
About Hanson Peirce
Hanson Peirce is a Registered Client Service Associate and Analyst for Michael Curley in Vero Beach, Florida, specializing in Estate and Insurance Planning Solutions, Technical Research, and Portfolio Management. Prior to his current role, Hanson was a Team Lead with Morgan Stanley at Work where he focused on equity and executive compensation programs.
A University of Florida graduate with a Bachelor’s in Business Administration, Hanson holds Series 7, Series 66, and Life & Health insurance certifications and is a CFA Program Level 1 candidate. His expertise includes leadership, data analytics, systems optimization, and delivering exceptional client service.
Outside of work, Hanson enjoys outdoor activities like hunting and fishing with his dog and family, volunteering in the Indian River community, and supporting local nonprofits alongside his wife, Connell.
A University of Florida graduate with a Bachelor’s in Business Administration, Hanson holds Series 7, Series 66, and Life & Health insurance certifications and is a CFA Program Level 1 candidate. His expertise includes leadership, data analytics, systems optimization, and delivering exceptional client service.
Outside of work, Hanson enjoys outdoor activities like hunting and fishing with his dog and family, volunteering in the Indian River community, and supporting local nonprofits alongside his wife, Connell.
Awards and Recognition
Forbes Best-In-State Wealth Advisors
2024-2026 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2024-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
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
Frank Hammad
Private Banker
About Frank Hammad
Frank Hammad is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.
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.
Frank began his career in financial services in 2000 and joined Morgan Stanley in 2010 as a Commercial Real Estate Banker. Prior to joining the firm, he was a Commercial Real Estate Banker at BB&T.
Frank is a graduate of the University of Miami, where he received a Bachelor of Business Administration in International Marketing and Business Management, and Nova Southeastern University, where he received his Master’s in International Business Administration. He lives in Plantation, Florida with his family. Outside of the office, he enjoys football and hockey.
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.
Frank began his career in financial services in 2000 and joined Morgan Stanley in 2010 as a Commercial Real Estate Banker. Prior to joining the firm, he was a Commercial Real Estate Banker at BB&T.
Frank is a graduate of the University of Miami, where he received a Bachelor of Business Administration in International Marketing and Business Management, and Nova Southeastern University, where he received his Master’s in International Business Administration. He lives in Plantation, Florida with his family. Outside of the office, he enjoys football and hockey.
NMLS#: 798426
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
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
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 J. Curley today.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
3Morgan 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.
4Morgan 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.
5Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
9Morgan 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
3Morgan 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.
4Morgan 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.
5Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
9Morgan 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
CRC 4665150 (8/2025), 4763067 (9/2025)
