Katie Beres
Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(916) 341-7616(916) 341-7616
Mike Little, CPWA®, QPFC
Senior Vice President, Wealth Management,
Financial Advisor,
Senior Portfolio Management Director
Direct:
(916) 341-7622(916) 341-7622
Toll-Free:
(800) 755-8041(800) 755-8041
My Mission Statement
Offering world class and innovative investment solutions. Committed to superior service and transparency in all aspects of the client relationship. "Our family serving your family."
My Story and Services
Mike Little began his career in finance at Morgan Stanley as a financial advisor. He holds the titles of Senior Vice President, Portfolio Management Director, and Financial Planning Specialist. He also holds the Certified Private Wealth Advisor Designation. Mike works with a select clientele of high-net-worth families and individuals to develop a holistic plan that lays out a clear path to your goals – a plan developed in collaboration with you, and one that you can follow with confidence in the face of the markets’ ups and downs. A personalized approach is a key component of Mike’s practice, taking care of his clients as if they were his own family.
Prior to joining Morgan Stanley, Mike earned his Bachelors in Business Administration from Kaplan University. He is a proud United States Marine Corps veteran, having served in Iraq in 2003.
Outside of work, Mike is the Past commander of his local Veterans of Foreign Wars post in Vacaville, a veteran organization that raises money to take care of other veterans, family, and youth in need. He is active in his town’s rotary club as a past president and current board member. Mike is involved in his sons Boy Scout Troop, been on the School Site Council, volunteers to help veterans in his community, helps with Vacaville’s Hometown Hero’s Banner program, and is an active voice in his neighborhood and community. Mike is also a current board member of the Vacaville Police Foundation.
Family is very important to Mike. He has a wife of 19 years as well as three sons and one daughter. In his free time, Mike enjoys fishing, hunting, woodworking, and golf. He also enjoys collecting whiskey.
Prior to joining Morgan Stanley, Mike earned his Bachelors in Business Administration from Kaplan University. He is a proud United States Marine Corps veteran, having served in Iraq in 2003.
Outside of work, Mike is the Past commander of his local Veterans of Foreign Wars post in Vacaville, a veteran organization that raises money to take care of other veterans, family, and youth in need. He is active in his town’s rotary club as a past president and current board member. Mike is involved in his sons Boy Scout Troop, been on the School Site Council, volunteers to help veterans in his community, helps with Vacaville’s Hometown Hero’s Banner program, and is an active voice in his neighborhood and community. Mike is also a current board member of the Vacaville Police Foundation.
Family is very important to Mike. He has a wife of 19 years as well as three sons and one daughter. In his free time, Mike enjoys fishing, hunting, woodworking, and golf. He also enjoys collecting whiskey.
Securities Agent: OH, SD, TX, RI, ID, HI, MT, GA, DC, CA, AZ, TN, NV, NM, NC, IL, PA, NH, MA, VA, NY, AL, CO, WV, VT, MD, KS, UT, NJ, ME, FL, WA, SC, OR, OK, AR, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1312693
CA Insurance License #: 0I44830
NMLS#: 1312693
CA Insurance License #: 0I44830
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My Services to You
I am committed to providing timely advice to help you achieve your financial goals.
Wealth Management
At Morgan Stanley Wealth Management, our extensive resources and distinctive capabilities help support your goals through every stage of life. We offer a broad range of solutions designed to meet you where you are—regardless of your starting point or preferred investing style. As family or institutional wealth grows, investment implementation often becomes more complex and portfolios may require active oversight to help ensure they remain aligned with their intended objectives and guidelines.
Financial Planning
Planning for retirement has never been simple, and in recent years it has become even more challenging. I’m here to help you develop a thoughtful, well-rounded approach to retirement planning—starting with clarifying your personal goals, monitoring your progress over time, and working together to build a customized plan designed to keep you on track.
Corporate Retirement Plans
Corporate retirement plans play a critical role in helping employees build long-term financial security while supporting an organization’s broader benefits strategy. A well-designed plan pairs thoughtful structure and investment options with clear governance, ongoing oversight, and meaningful participant engagement. As a plan grows, we recognize the increasing complexity of administration, fiduciary responsibilities, and maintaining alignment with the plan’s intended objectives—making regular monitoring and periodic refinement essential to staying on track.
Endowments and Foundations
Endowments and foundations have distinct missions and governance requirements, yet both share a common need for disciplined, long-term stewardship. I’m here to help you take a structured, goals-based approach—starting with clarifying your organization’s purpose, spending needs, and risk tolerance, and translating those priorities into a durable investment policy framework. Because these portfolios often balance competing objectives—such as supporting current distributions while preserving long-term purchasing power—portfolio construction typically requires careful consideration of asset allocation, liquidity planning, diversification, and the role of active oversight. As programs evolve, we recognize the added complexity that can come with gift restrictions, stakeholder expectations, regulatory and reporting considerations, and the ongoing evaluation of managers and strategies—making regular monitoring and periodic refinement essential to help keep the portfolio aligned with its intended guidelines and mission over time.
Philanthropic Management
Philanthropic management is most effective when it is integrated into your broader wealth strategy—aligning what you want to give, when you want to give it, and how you want to make an impact with your tax, estate, and investment considerations (subject to applicable rules and limitations). I’m here to help you develop a thoughtful approach by clarifying your charitable priorities, defining an impact and legacy plan, and evaluating the tools available—such as donor advised funds, private foundations, charitable trusts, and direct giving—based on your objectives and desired level of control and administration. Because philanthropic strategies can involve meaningful complexities—including entity governance, grantmaking procedures, substantiation and compliance, valuation considerations for contributed assets, contribution limits, and coordination with multi-year tax planning—ongoing review is important to help ensure your approach remains consistent with your intentions as laws, markets, and personal circumstances evolve.
Working With You
My work with you starts with one or more in-depth, exploratory meetings. I need to understand your unique financial situation so I can offer you the best possible advice and solutions.
When you work with me, you can expect that I will:
Develop a comprehensive financial strategy based on your individual needs
Make disciplined, non-emotional investment decisions
Adjust your holdings in response to new opportunities and risks
Maintain strict financial objectivity and avoid conflicts of interest
Make disciplined, non-emotional investment decisions
Adjust your holdings in response to new opportunities and risks
Maintain strict financial objectivity and avoid conflicts of interest
I can also coordinate my work with other key members of your financial team, including your:
Tax specialist
Trust attorney
Insurance professional
Family office
Trust attorney
Insurance professional
Family office
Online Tools and Features Available to You
Morgan Stanley is committed to delivering client technology platforms that are resilient, secure, efficient, and intelligent. As part of our services, these capabilities are available to all clients. Explore each tool and feature to learn how it can help you more easily manage and protect your financial journey.
Morgan Stanley Online
In addition to checking your account balances and recent activity, Morgan Stanley Online (MSO) offers a range of features to help you manage day-to-day finances—such as paying bills, sending money, transferring funds, and authorizing transactions through eAuthorizations.
Learn More About MSO
Total Wealth View
Seeing the full financial picture can be difficult when key details are missing. As a Morgan Stanley client, you can conveniently view accounts held at other financial institutions through Morgan Stanley Online or the Morgan Stanley Mobile App, helping you build a more complete view of your overall finances.
Learn More About Total Wealth View
eDelivery
eDelivery provides clients with the ability to view statements and other Firm documents electronically instead of receiving them on paper. Clients who are registered with Morgan Stanley Online can enroll in eDelivery, which allows them to securely save, print, send, and receive documents at any time.
Enroll in eDelivery
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
Morgan Stanley Mobile App
Securely access your Morgan Stanley account from almost anywhere. Download the app to your mobile device and sign in using your Morgan Stanley Online username and password. Once logged in, you can take advantage of many Morgan Stanley Online resources while on the go.
Discover More With Our Mobile App
Portfolio Risk Platform
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Learn More About Portfolio Risk Platform
Goals Planning System
As a Morgan Stanley client with a Goals Planning System (GPS) retirement plan, you can now access and view your plan’s status and progress on Morgan Stanley Online (MSO) and Morgan Stanley Mobile (MSM).
Learn More about GPS on Morgan Stanley Online
Digital Vault
Digital Vault lets you easily and conveniently manage and share life’s most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings.
MS Reserved Living and Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn More About RL&GRESOURCES TO HELP YOU PREPARE
Figuring out ways to minimize how much the IRS takes from your retirement money should be a central part of your planning. Below are several resources to help you get started. There are also the 2025 and 2026 federal tax tables.
2026 Retirement Contribution Limits
Planning for retirement is vital, understanding the limits for your retirement contributions empowers you to best prepare for retirement.
View 2026's Contribution Limits
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
Access Tax Forms2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
Required Minimum Distributions (RMDs)
Timing your retirement income? It's very important to think about timing your withdrawals. Given tougher regulatory, tax, and market conditions, you may want to consider taking your RMD sooner than later. The article below discusses ways to take money out of your retirement accounts.
4 Financially Smart Ways to Take Money Out of Retirement Accounts
Uncover 6 Ways to Reduce Your Tax Bill
Examining your tax return may reveal opportunities to save money hidden between its lines. You may be surprised by what you find.
Learn More
Tax-Efficient Investing: Key Questions Investors Should Ask
Factoring the impact of taxes into your investment decisions can help you to keep more of your hard-earned money, both now and in the future.
Learn MoreTax-Smart Strategies for Your Retirement
Smart tax planning can help you save more for retirement and keep more of what you've already saved. Consider these tax-efficient retirement planning strategies.
Learn More
2025 Tax Tables
Please view the following attachment to find the 2025 federal tax tables.
2025 Tax Tables2026 Tax Tables
Please view the following attachment to find the 2026 federal tax tables.
2026 Tax TablesLocation
400 Capitol Mall
Suite 1900
Sacramento, CA 95814
US
Direct:
(916) 341-7622(916) 341-7622
Toll-Free:
(800) 755-8041(800) 755-8041
Fax:
(916) 447-6875(916) 447-6875
Meet My Team
Thomas R. Goode, CIMA®, CRPS®, QPFC
Senior Vice President, Financial Advisor, Senior Institutional Consultant
Phone:
(916) 567-2033(916) 567-2033
Thomas J. Goode, CIMA®, QPFC, CPWA®
Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist, Workplace Advisor - Equity Compensation
Phone:
(916) 552-2705(916) 552-2705
About Katie Beres
Katie Catherine Beres is a Vice President, Financial Advisor at Morgan Stanley servicing clients in the greater Sacramento and Sierra Nevada Areas. With a strong and vibrant 30 year career in the dynamic world of banking and financial services, one would think Katie barely had time to focus on much beyond the ebb and flow of the market. But in reality what fuels Katie and provides joy and satisfaction has been her passion in working with retirees and business owners, helping them get financially organized and engaged in a process that will lead them towards wealth and a confident retirement.
“As a personal financial advisor, I am passionate about helping people take control of their finances so it is easy, seamless and fun. My clients appreciate that I take the time to explain everything. I have the compassion to help them achieve practical and successful money goals."
Katie is a graduate of Sacramento State University. Her early career started at Merchants National Bank in Baumholder, Germany. Having lived in Germany and working in a German bank handling currencies and establishing new accounts of all kinds gives her a unique background in financial services. She uses this experience along with her background at PaineWebber to guide her clients through the maze of investing and financial planning strategies available.
Aside from her career, Katie has a love for the outdoors and spending time with her husband, Tim, “up the hill” in Truckee. Being in the mountains has become a favorite pastime, as well as, Yoga, biking, snowmobiling, and watching motorcycle racing.
“As a personal financial advisor, I am passionate about helping people take control of their finances so it is easy, seamless and fun. My clients appreciate that I take the time to explain everything. I have the compassion to help them achieve practical and successful money goals."
Katie is a graduate of Sacramento State University. Her early career started at Merchants National Bank in Baumholder, Germany. Having lived in Germany and working in a German bank handling currencies and establishing new accounts of all kinds gives her a unique background in financial services. She uses this experience along with her background at PaineWebber to guide her clients through the maze of investing and financial planning strategies available.
Aside from her career, Katie has a love for the outdoors and spending time with her husband, Tim, “up the hill” in Truckee. Being in the mountains has become a favorite pastime, as well as, Yoga, biking, snowmobiling, and watching motorcycle racing.
Securities Agent: UT, NC, KS, CA, WV, SC, IL, VA, RI, GA, OH, NV, CO, AZ, TN, PA, NY, MT, VT, HI, AL, OK, MD, FL, DC, MA, WA, TX, OR, NH, ME, ID, MI, SD; General Securities Representative; Investment Advisor Representative
CA Insurance License #: 0811506
CA Insurance License #: 0811506
About Thomas R. Goode
Thomas R. Goode has spent his entire professional career with Morgan Stanley Wealth Management and its predecessor firms. He joined E. F. Hutton & Co. in 1979 as an account executive and began working with the firm’s Consulting Group in 1982. Mr. Goode has distinguished himself over the course of his career as he is one of the few Morgan Stanley Financial Advisors to have attained Chairman’s Council, Director’s Council, Masters and Century Club recognition for consecutive years spanning 1994 through 2022. His experience and the comprehensive consulting and investment management services that he provides to the firm’s valued clients have earned him recognition by the Consulting Group, as evidenced by his Senior Institutional Consultant and Senior Investment Management Consultant designations. He has provided investment management consulting services to both high net worth individual and institutional clients since 1982. In addition, he has provided comprehensive financial and retirement planning services to both companies and their employees / retirees throughout the duration of his career.
In the summer of 1997, Mr. Goode successfully earned the professional designation of Certified Investment Management Analyst at the University of Pennsylvania’s Wharton School. In addition, Mr. Goode has earned the professional designation of Chartered Retirement Plans Specialist from the American College of financial planning, and in addition has earned the professional designation of Qualified Plan Financial Consultant from the National Association of Plan Advisors. Mr. Goode is a member of the Investment and Wealth Institute and the National Association of Plan Advisors. Mr. Goode is a graduate of the University of California, Davis, and earned a post-graduate degree from San Diego State University. In addition, he attended the University of Arizona for two years of post-graduate study.
Mr. Goode holds the following Securities and insurance licenses:
Series 3 – National Commodity Futures
Series 9/10 – General Securities Sales Supervisor
Series 7 – General Securities Representative
Series 63 – Uniform State Exam
Series 65 – Investment Advisory Agent
Life, Health, Long Term Care, & Variable Annuity Insurance License
In the summer of 1997, Mr. Goode successfully earned the professional designation of Certified Investment Management Analyst at the University of Pennsylvania’s Wharton School. In addition, Mr. Goode has earned the professional designation of Chartered Retirement Plans Specialist from the American College of financial planning, and in addition has earned the professional designation of Qualified Plan Financial Consultant from the National Association of Plan Advisors. Mr. Goode is a member of the Investment and Wealth Institute and the National Association of Plan Advisors. Mr. Goode is a graduate of the University of California, Davis, and earned a post-graduate degree from San Diego State University. In addition, he attended the University of Arizona for two years of post-graduate study.
Mr. Goode holds the following Securities and insurance licenses:
Series 3 – National Commodity Futures
Series 9/10 – General Securities Sales Supervisor
Series 7 – General Securities Representative
Series 63 – Uniform State Exam
Series 65 – Investment Advisory Agent
Life, Health, Long Term Care, & Variable Annuity Insurance License
Securities Agent: AL, WA, NH, HI, AZ, VA, TN, MT, SD, RI, OK, NV, ME, FL, UT, PA, OH, SC, NM, NC, DE, DC, ID, VT, KS, GA, WV, TX, OR, NY, MI, CA, MD, IN, IL, CO, MA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
About Thomas J. Goode
Tom Goode began his Wealth Management career in 2012 and quickly established himself as one of the area’s top young Financial Advisors. Tom works hand in hand with high net worth clients, business owners, and hard working families providing investment management services with a focus on tax efficiency, financial planning, risk mitigation, and alternatives. Furthermore, Mr. Goode provides comprehensive retirement plan services to companies and their employees.
Tom earned his Certified Investment Management Analyst® (CIMA®) designation and his Certified Private Wealth Advisor® (CPWA®) designation from the Yale School of Management and is one of less than one thousand financial professionals in the country who actively hold both designations. Prior to joining Morgan Stanley, Tom received a Bachelor’s degree in Economics and a Bachelor’s degree in International Relations from University of California, Davis. It was here that Tom gained his first experience in the Financial Services industry, winning one of just four available internships nationwide at Nuveen Investments in the summer of 2007. The only undergrad to be awarded an internship, Tom worked directly with senior management and attended daily portfolio management meetings for some of Nuveen’s top investment funds.
Tom is actively involved in the Sacramento community. He has served on various non profit boards and spent over 6 years volunteering as a Big Brother for Big Brothers Big Sisters of Greater Sacramento. Tom currently sits as a board member for the Arden Arcade Rotary, where his leadership of the Club’s annual fundraising has helped raise over $1 million for local charities. Tom is a bourbon and scotch aficionado, enjoys squeezing in a round of golf, and is an avid Kings fan despite their eternal struggles. Tom is married to his best friend Angela and they have two beautiful children together.
Tom earned his Certified Investment Management Analyst® (CIMA®) designation and his Certified Private Wealth Advisor® (CPWA®) designation from the Yale School of Management and is one of less than one thousand financial professionals in the country who actively hold both designations. Prior to joining Morgan Stanley, Tom received a Bachelor’s degree in Economics and a Bachelor’s degree in International Relations from University of California, Davis. It was here that Tom gained his first experience in the Financial Services industry, winning one of just four available internships nationwide at Nuveen Investments in the summer of 2007. The only undergrad to be awarded an internship, Tom worked directly with senior management and attended daily portfolio management meetings for some of Nuveen’s top investment funds.
Tom is actively involved in the Sacramento community. He has served on various non profit boards and spent over 6 years volunteering as a Big Brother for Big Brothers Big Sisters of Greater Sacramento. Tom currently sits as a board member for the Arden Arcade Rotary, where his leadership of the Club’s annual fundraising has helped raise over $1 million for local charities. Tom is a bourbon and scotch aficionado, enjoys squeezing in a round of golf, and is an avid Kings fan despite their eternal struggles. Tom is married to his best friend Angela and they have two beautiful children together.
Securities Agent: MT, CO, OK, TX, KS, GA, FL, CA, VT, HI, DC, AR, TN, RI, PA, OR, ME, MA, AL, UT, AZ, WV, SC, NC, MD, VA, NH, ID, IL, WA, OH, NY, NV, SD; General Securities Representative; Investment Advisor Representative
CA Insurance License #: 0I21179
CA Insurance License #: 0I21179
Wealth Management
Global Investment Office
Portfolio Insights
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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
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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 Mike Little, CPWA® today.
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
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)
