Moshe Banin, CEPA®
Executive Director, Financial Advisor, Senior Portfolio Management Director
Moshe Banin
Executive Director,
Financial Advisor,
Senior Portfolio Management Director
Direct:
(305) 466-4804(305) 466-4804
My Mission Statement
Our mission is to partner with our clients to provide thoughtful investment and financial planning advice to help them meet their financial goals. We achieve this by first understanding the lives our clients wish to create and then designing a plan and ensuring that their investment strategy, asset allocation and estate structure align with their changing needs.
My Story and Services
Over 30 years of experience in the financial industry, my team and I understand the importance of building solutions tailored around each individual's situation. Our high-net worth clients have worked hard to build their wealth and with that comes a set of obstacles that they trust me to solve. To put it simply, our goals are to help our clients accomplish their goals with sound financial decision making.
We intentionally build strong relationships with our clients so that we can understand the life they want to create. We believe we are more than just a wealth management team, and providing exceptional service is one way we earn this trust.
We intentionally build strong relationships with our clients so that we can understand the life they want to create. We believe we are more than just a wealth management team, and providing exceptional service is one way we earn this trust.
Services Include
- Professional Portfolio ManagementFootnote1
- Retirement PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Executive Financial ServicesFootnote4
- Business PlanningFootnote5
- Endowments and FoundationsFootnote6
- Business Succession PlanningFootnote7
- Alternative InvestmentsFootnote8
- Cash Management and Lending ProductsFootnote9
- Philanthropic ManagementFootnote10
Securities Agent: TX, WA, VA, SC, PA, ID, IA, GA, RI, ME, FL, VT, NM, MT, NY, IN, UT, OR, MO, IL, HI, DE, CA, AL, TN, NH, MD, KY, DC, SD, NC, CT, WI, NV, NJ, MI, MA, OH, NE, KS, CO, AZ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2322806
NMLS#: 2322806
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Approach
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Modern Tools and Resources
Portfolio Risk Platform - (Aladdin)
Our Portfolio Risk Platform, derived from BlackRock's Aladdin risk engine, is used by a few of the world's biggest institutional asset managers. This tool enables our clients to have better analysis and understanding of risk factors based on different simulated market scenarios.
With Aladdin, we're able to view you risk and return profile across each of your portfolios. This is possible even if that portfolio is not held at Morgan Stanley. Using this industry-leading analytical tool will allow us to make the best decisions for your investments together!
Learn more about AladdinWith Aladdin, we're able to view you risk and return profile across each of your portfolios. This is possible even if that portfolio is not held at Morgan Stanley. Using this industry-leading analytical tool will allow us to make the best decisions for your investments together!
LifeView
LifeView is just one planning tool that we use to help build road maps for future financial success. It takes into consideration your goals in order to create a holistic strategy in your investments, cash management needs, and financial life.
LifeView also provides progress reports in order to keep track of how your plan is developing over time. It is also capable of illustrating some of the more complex areas of financial planning like stock option exercising, Roth Conversion, and 401(k) distributions.
LifeView Sample PlanLifeView also provides progress reports in order to keep track of how your plan is developing over time. It is also capable of illustrating some of the more complex areas of financial planning like stock option exercising, Roth Conversion, and 401(k) distributions.
Morgan Stanley Impact Quotient (MS IQ)
The Morgan Stanley Impact Quotient tool is available exclusively to clients who are seeking the ability to understand the environmental and social impact of their investments.
Developed with proprietary firm technology, MS IQ allows you to customize your investment approach in order to build a portfolio that captures your value and preferences on what you care about most from a social impact perspective.
Sample MS IQ ReportDeveloped with proprietary firm technology, MS IQ allows you to customize your investment approach in order to build a portfolio that captures your value and preferences on what you care about most from a social impact perspective.
MS Reserved Living & Giving
Morgan Stanley's Reserved Living & Giving is our loyalty program designed to reward our clients with over one million in assets with the firm.
We appreciate all of the trust and confidence our clients have in us to make their future great. Take the time to learn about some of the perks of this program!
Learn more about MS ReservedWe appreciate all of the trust and confidence our clients have in us to make their future great. Take the time to learn about some of the perks of this program!
Morgan Stanley Online
All of your investments and finances are at the touch of a few buttons through Morgan Stanley Online (MSO) and the Morgan Stanley mobile app as well! Sign up today to see what you have going on with this convenient tool that is available to you 24/7, whenever you need it.
Enroll in Morgan Stanley Online
Total Wealth View
View your full financial picture by linking your external account information to Total Wealth View. This will allow you to make the most educated decisions for your wealth planning with easy connectivity through a few clicks.
Learn more about Total Wealth ViewLocation
20807 Biscayne Blvd 5th&6th
Fl
Aventura, FL 33180
US
Direct:
(305) 466-4804(305) 466-4804
Meet My Team
Jessica Suskind
Assistant Vice President, Wealth Management Associate
Giovanni I. Jurado
Sr, Registered Client Associate
About Moshe Banin
Moshe Banin is an Executive Director and Senior Portfolio Management Director at Morgan Stanley Wealth Management, where he delivers comprehensive wealth management strategies for high-net-worth individuals, family offices, and nonprofit organizations. With over 30 years of experience in financial markets, his focus is on integrating advanced investment solutions with credit, tax, and multi-generational wealth transfer planning.
He serves as an integral advisor to clients navigating significant life changes, including retirement, business sales, and complex wealth transitions. His practice is built on providing tailored advice on advanced asset allocation, retirement planning strategies, and manager selection to execute sophisticated portfolio objectives.
Experience and Professional Focus
Moshe joined Morgan Stanley after spending nine years at UBS Private Wealth, serving as a Senior Vice President – Wealth Management and Senior Portfolio Manager. Prior to UBS, Moshe spent 19 years at Bernstein Global Wealth Management. Early in his career, he supported the development and distribution of services for high-net-worth investors. Demonstrating strategic leadership, he rose to Director of International Strategy, where he identified trends in the international high-net-worth marketplace and helped launch Bernstein's London-based private client practice. He then transitioned to become a dedicated wealth advisor, focusing on high-net-worth clients, family offices, and foundations.
He is a Certified Exit Planning Advisor (CEPA), experienced in helping business owners maximize and strategically transfer the value of their companies.
Community & Education
Moshe focuses his philanthropic work on supporting the special needs community. He founded One House with his wife, Jana, a non-profit organization dedicated to providing supportive housing for adults with autism. He also serves on the Board of Directors for The Victory Center for Autism and Related Disabilities. Moshe has served on several boards, including the Federation of Broward, where he was Chair of the Investment Committee. He is also the Co-Founder of Luria Academy in Brooklyn.
Moshe graduated from Yeshiva University with a degree in Economics and earned his M.B.A. from New York University, where he taught financial modeling as a Teaching Assistant. He lives in Surfside, Florida, with his wife, Jana, and their three children.
Credentials and Recognition
Moshe's has been consistently recognized in the industry:
Forbes Best-In-State Wealth Advisor: Awarded in 2021, 2024, and 2025. (Source: Forbes.com. Awarded 2021, 2024,2025. Data compiled by SHOOK Research LLC based on 12-month time period concluding in June of the year prior to the issuance of the award.)
Securities Licenses: Holds Series 7, 31, 63, and 66 licenses.
NMLS: #2322806.
He serves as an integral advisor to clients navigating significant life changes, including retirement, business sales, and complex wealth transitions. His practice is built on providing tailored advice on advanced asset allocation, retirement planning strategies, and manager selection to execute sophisticated portfolio objectives.
Experience and Professional Focus
Moshe joined Morgan Stanley after spending nine years at UBS Private Wealth, serving as a Senior Vice President – Wealth Management and Senior Portfolio Manager. Prior to UBS, Moshe spent 19 years at Bernstein Global Wealth Management. Early in his career, he supported the development and distribution of services for high-net-worth investors. Demonstrating strategic leadership, he rose to Director of International Strategy, where he identified trends in the international high-net-worth marketplace and helped launch Bernstein's London-based private client practice. He then transitioned to become a dedicated wealth advisor, focusing on high-net-worth clients, family offices, and foundations.
He is a Certified Exit Planning Advisor (CEPA), experienced in helping business owners maximize and strategically transfer the value of their companies.
Community & Education
Moshe focuses his philanthropic work on supporting the special needs community. He founded One House with his wife, Jana, a non-profit organization dedicated to providing supportive housing for adults with autism. He also serves on the Board of Directors for The Victory Center for Autism and Related Disabilities. Moshe has served on several boards, including the Federation of Broward, where he was Chair of the Investment Committee. He is also the Co-Founder of Luria Academy in Brooklyn.
Moshe graduated from Yeshiva University with a degree in Economics and earned his M.B.A. from New York University, where he taught financial modeling as a Teaching Assistant. He lives in Surfside, Florida, with his wife, Jana, and their three children.
Credentials and Recognition
Moshe's has been consistently recognized in the industry:
Forbes Best-In-State Wealth Advisor: Awarded in 2021, 2024, and 2025. (Source: Forbes.com. Awarded 2021, 2024,2025. Data compiled by SHOOK Research LLC based on 12-month time period concluding in June of the year prior to the issuance of the award.)
Securities Licenses: Holds Series 7, 31, 63, and 66 licenses.
NMLS: #2322806.
Securities Agent: TX, WA, VA, SC, PA, ID, IA, GA, RI, ME, FL, VT, NM, MT, NY, IN, UT, OR, MO, IL, HI, DE, CA, AL, TN, NH, MD, KY, DC, SD, NC, CT, WI, NV, NJ, MI, MA, OH, NE, KS, CO, AZ; General Securities Representative; Investment Advisor Representative; Managed Futures
About Jessica Suskind
In January 2022, Jessica Suskind started at Morgan Stanley in Aventura, FL as a Wealth Management Associate. Prior to working with Morgan Stanley, Jessica was a Wealth Strategy Associate with UBS Private Wealth Management since 2014.
Jessica has her B.A. in Business Marketing and a minor in Advertising from Florida Gulf Coast University.
She holds her Series 7, 66, 9 and 10 FINRA licenses.
Jessica resides in Fort Lauderdale, FL with her husband and sons.
Jessica has her B.A. in Business Marketing and a minor in Advertising from Florida Gulf Coast University.
She holds her Series 7, 66, 9 and 10 FINRA licenses.
Jessica resides in Fort Lauderdale, FL with her husband and sons.
About Giovanni I. Jurado
Born and raised in South Florida, Giovanni earned a Bachelor’s of Business Administration in Finance from Florida International University. He began his career in 2016 at Wells Fargo in Weston, FL as a teller and worked his way through several positions before earning the role of licensed Relationship Banker. Over the years, he took on a diverse range of responsibilities within the firm including service, operations, cash management, trading, marketing, and analytics. Leveraging his extensive experience at the firm, Giovanni transitioned to Morgan Stanley in 2022 as a Senior Registered Client Service Associate.
Giovanni holds Series 7 and 66 FINRA licenses.
Giovanni holds Series 7 and 66 FINRA licenses.
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
Rational Investing in an Age of Uncertainty
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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
Ready to start a conversation? Contact Moshe Banin today.
1Morgan 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.
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 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 (“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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Morgan 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.
8Alternative 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.
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
10Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
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 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 (“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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Morgan 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.
8Alternative 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.
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
10Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
