Caren P Williams
Nashville Legacy Wealth Management Group at Morgan Stanley
Direct:
(615) 665-4713(615) 665-4713
Toll-Free:
(800) 841-0006(800) 841-0006
Our Mission Statement
We believe you deserve an advisory team that looks at your financial life from every angle.
About Us
At Nashville Legacy Wealth Management Group, we plan for your future with wealth strategies that encompass your whole life. That means taking the time to get to know you: your goals, as well as your financial concerns and the issues that concern you. Our success stems from our ability to ask you the right questions and to listen carefully to your answers. No matter what unique need you have, we will help find an appropriate solution.
Over the last 30 years, we have advised and served the comprehensive needs of individuals, families and business owners like you by focusing on helping grow and help preserve your hard-earned wealth. Working in concert with your other trusted advisors, we focus on integrating advice across the spectrum of your financial affairs so you can make a more informed decision on any financial issue.
This approach allows us to establish deep and lasting relationships, to deliver hands-on, high-end service, and to generate a plan that is uniquely tailored to you.
Over the last 30 years, we have advised and served the comprehensive needs of individuals, families and business owners like you by focusing on helping grow and help preserve your hard-earned wealth. Working in concert with your other trusted advisors, we focus on integrating advice across the spectrum of your financial affairs so you can make a more informed decision on any financial issue.
This approach allows us to establish deep and lasting relationships, to deliver hands-on, high-end service, and to generate a plan that is uniquely tailored to you.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WHAT WE DO & WHY
At the Nashville Legacy Group, we plan for your future with financial strategies that encompass your whole life. That means taking the time to get to know you – your dreams and goals, as well as your financial concerns and the issues that keep you up at night. Our success stems from our ability to ask you the right questions and listen carefully to your answers. No matter what unique need you have, we will strive to find an appropriate strategy.
Our process utilizes Seven Pillars of Planning as a guide in helping you seek to achieve your financial goals. We find fulfillment in the part we play in the pursuit of the life you have worked so hard to build and enjoy. Whether buying your first home, giving your child a debt-free education, supporting a worthy cause, or providing for your retirement and the next generation, we are forever grateful for the opportunity to share in the experiences and celebrate the milestones you attain along the way.
Our process utilizes Seven Pillars of Planning as a guide in helping you seek to achieve your financial goals. We find fulfillment in the part we play in the pursuit of the life you have worked so hard to build and enjoy. Whether buying your first home, giving your child a debt-free education, supporting a worthy cause, or providing for your retirement and the next generation, we are forever grateful for the opportunity to share in the experiences and celebrate the milestones you attain along the way.
OUR PROCESS
At the Nashville Legacy Group, we help plan for your future with financial strategies designed to encompass your whole life. That means taking the time to get to know you – your dreams and goals, as well as your financial concerns and the issues that keep you up at night.
Our success stems from our ability to ask you the right questions and to listen carefully to your answers as we take you through our comprehensive Legacy Process. No matter what unique need you have, we will strive to find an appropriate strategy to help you reach your goals by focusing on seeking to grow and preserve your hard-earned wealth.
Our success stems from our ability to ask you the right questions and to listen carefully to your answers as we take you through our comprehensive Legacy Process. No matter what unique need you have, we will strive to find an appropriate strategy to help you reach your goals by focusing on seeking to grow and preserve your hard-earned wealth.
OUR RELATIONSHIP
We believe our Legacy Process allows us to establish deep and lasting relationships, to help deliver hands-on, high-end service in an effort to generate consistently reliable outcomes that are uniquely tailored to you. To set the tone for our working relationship, you can expect that we will focus on executing the services outlined below.
We Strive To:
- Ask the right questions to maintain a thorough understanding of your financial goals
- Update your financial information as your situation changes and your needs evolve
- Communicate with you regularly regarding changes to your portfolio and economic conditions
- Understand and monitor your investment risk and its alignment to your investment time frame
- Carefully explain all recommended financial strategies and solutions
- Meet with you regularly to discuss next steps in the Legacy Process as your life unfolds
- Act as your primary financial advisor and help steward your financial future
- Work hand-in-hand with your dedicated advisors when situations warrant
- Treat you with the utmost respect and professionalism
We Strive To:
- Ask the right questions to maintain a thorough understanding of your financial goals
- Update your financial information as your situation changes and your needs evolve
- Communicate with you regularly regarding changes to your portfolio and economic conditions
- Understand and monitor your investment risk and its alignment to your investment time frame
- Carefully explain all recommended financial strategies and solutions
- Meet with you regularly to discuss next steps in the Legacy Process as your life unfolds
- Act as your primary financial advisor and help steward your financial future
- Work hand-in-hand with your dedicated advisors when situations warrant
- Treat you with the utmost respect and professionalism
OUR STRENGHTS
Generational Wealth
As a multi-generational team, we understand that different generations have different approaches to investing. Our long history of working with clients allows us to easily engage with and advise families about their plans for transitioning generational wealth.
Addressing Unknown Risks
There are hidden risks to every decision, and it’s our job to explore them and help find appropriate solutions. It may be a simple decision or a more complicated situation. It’s our job to address risk exposures in an effort to achieve your desired outcomes.
Women & Wealth
Women have different investment needs than men, especially when they are going through a divorce, they are the sole or primary breadwinners, they intend to remain single, or they are widowed at an early age. It’s during these times that we take a more holistic approach, helping our clients stay empowered so they can take their next steps with confidence.
In the Press
Forbes Best-In-State Wealth Management Team (2024-2025)
The Nashville Legacy Wealth Management Group is proud to be recognized by Forbes on the 2024 - 2025 Best-In-State Wealth Management Teams rankings.
Thank you to all of our clients for your continued confidence in our team. This recognition is a testament to the dedication, experience, and passion our team brings to serving you every day.
Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award. Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure/
Award DisclosuresThank you to all of our clients for your continued confidence in our team. This recognition is a testament to the dedication, experience, and passion our team brings to serving you every day.
Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award. Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure/
Pacesetter’s Club at Morgan Stanley Wealth Management 2021 - 2023
Kyle Killett and Ellie Ivancich were named to Morgan Stanley's Pacesetter’s Club at Morgan Stanley Wealth Management. This is a global recognition program for Financial Advisors who, early in their career, have demonstrated the highest professional standards and first class client service.
Disclaimer:
Morgan Stanley Wealth Management Pacesetter’s Club members must meet a number of criteria including
performance, conduct and compliance standards, revenue, length of experience and assets under supervision.
Pacesetter’s Club membership is no guarantee of future performance. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC
Disclaimer:
Morgan Stanley Wealth Management Pacesetter’s Club members must meet a number of criteria including
performance, conduct and compliance standards, revenue, length of experience and assets under supervision.
Pacesetter’s Club membership is no guarantee of future performance. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC
Forbes Top Women Wealth Advisors Best-In-State 2020-2025
Caren P. Williams was named to Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors) 2020-2025.
Source: Forbes.com (Awarded 2020-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Award DisclosuresSource: Forbes.com (Awarded 2020-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisors ( 2021-2025)
Caren P. Williams was named to Forbes Magazine’s Best-In-State Wealth Advisors rankings in 2021-2025.
Source: Forbes.com (Awarded 2021-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Award DisclosuresSource: Forbes.com (Awarded 2021-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Morgan Stanley Century Club Member 2025
Brian Smith has been named to the Firm’s prestigious Century Club, an elite group composed of the Firm’s top Financial Advisors. The appointment recognizes Brian's consistent creativity and excellence in providing a wide range of investment products and wealth management services to his clients.
Morgan Stanley Wealth Management Century Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Century Club membership is no guarantee of future performance. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
Morgan Stanley Wealth Management Century Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Century Club membership is no guarantee of future performance. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
Location
3102 West End Ave
Ste 200
Nashville, TN 37203
US
Direct:
(615) 665-4713(615) 665-4713
Toll-Free:
(800) 841-0006(800) 841-0006
Meet Nashville Legacy Wealth Management Group
Stuart W Smith
Brian Smith
Kyle Killett
Ellie Ivancich
Mary Ann Whitaker
Portfolio Associate
Phone:
(615) 665-4715(615) 665-4715
Mary Ruth Dawson
Client Service Associate
Phone:
(615) 665-4722(615) 665-4722
Russell Barnard CFA® , CFP®
Portfolio Management Associate, *This role cannot solicit or provide investment advice
Phone:
(615) 665-4723(615) 665-4723
Kat Landstreet
Client Service Associate
Phone:
(615) 298-6520(615) 298-6520
Lauren Pristas
Client Service Associate
Phone:
(615) 298-6508(615) 298-6508
About Mary Ann Whitaker
Mary Ann has more than three decades of experience working in the finance industry. She loves providing excellent service to our clients by helping them with the myriad of transactional needs that arise on a daily basis, including account documentation, money movement, IRA distributions and other service-related issues.
As a Registered Associate, she can also process unsolicited trade requests.
Mary Ann has lived in the Old Hickory area for over 30 years. Married to her high school sweetheart, they have one daughter who is a registered nurse at Vanderbilt.
As a Registered Associate, she can also process unsolicited trade requests.
Mary Ann has lived in the Old Hickory area for over 30 years. Married to her high school sweetheart, they have one daughter who is a registered nurse at Vanderbilt.
About Mary Ruth Dawson
After working for Morgan Stanley for two and a half years in Memphis, Mary Ruth joined the Nashville Legacy Group as a Client Service Associate. She provides strategic operational and administrative support to the clients and enjoys delivering first-class customer service with each interaction. Within the group, she is also responsible for assisting clients with Morgan Stanley Online and organizing client events.
Mary Ruth holds a Bachelor in Business Marketing from Austin Peay State University where she played varsity soccer for 4 years. Outside of work, she enjoys spending time with family and friends and rooting on Austin Peay Athletics.
Mary Ruth holds a Bachelor in Business Marketing from Austin Peay State University where she played varsity soccer for 4 years. Outside of work, she enjoys spending time with family and friends and rooting on Austin Peay Athletics.
About Russell Barnard CFA® , CFP®
Russ performs security analysis, trading, macroeconomic research, and risk evaluation. The team’s proprietary investment strategies include large and mid-cap stocks, ETFs, a few Mutual Funds, and investment grade corporate and municipal bonds. He also performs investment analysis and due diligence for Private Equity, Private Credit, Private Real Estate, and Hedge Funds available to Morgan Stanley clients. Russ is a member of the team’s investment committee; He is an adjunct professor at Belmont teaching investments and portfolio management; And he serves on the board of the CFA Society of Nashville.
In 2016, Russ started his career as an intern at Morgan Stanley in the Northeast. He is from Portland, Maine. Russ graduated 12 months early from Boston College with undergraduate degrees in Math and Economics and a Masters degree of Finance; He completed an executive corporate valuation program at London School of Economics.
In free time, Russ and his wife Ashley travel to visit friends and family across the US. When in town, they like to review restaurants, play golf, tennis, pickleball, and stay in shape. Russ loves BBQ and the carnivore diet. Ashley loves healthy balanced meals! She is a nurse at Vanderbilt.
Disclosures:
The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a Financial Advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
In 2016, Russ started his career as an intern at Morgan Stanley in the Northeast. He is from Portland, Maine. Russ graduated 12 months early from Boston College with undergraduate degrees in Math and Economics and a Masters degree of Finance; He completed an executive corporate valuation program at London School of Economics.
In free time, Russ and his wife Ashley travel to visit friends and family across the US. When in town, they like to review restaurants, play golf, tennis, pickleball, and stay in shape. Russ loves BBQ and the carnivore diet. Ashley loves healthy balanced meals! She is a nurse at Vanderbilt.
Disclosures:
The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a Financial Advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
About Kat Landstreet
Kat interned with Nashville Legacy Group in the summer of 2022. She joined the team to work part-time in 2023 as a Client Service Associate. She provides administrative support to clients as well as keeping quality customer service top of mind.
Outside of work, Kat enjoys playing pickleball with her friends and spending time with her family and dog, Gus.
Outside of work, Kat enjoys playing pickleball with her friends and spending time with her family and dog, Gus.
About Lauren Pristas
Lauren joined the Nashville Legacy Group as a Client Service Associate after interning with Morgan Stanley in Knoxville for a year and a half. She provides administrative support to clients and focuses on providing exceptional service and attention to detail.
Lauren earned her Bachelor of Science in Business Administration from the University of Tennessee, Knoxville, where she majored in Finance with a minor in Entrepreneurship and a collateral in Information Management. While at UT, she was actively involved in organizations such as Women in Finance and Women of Haslam.
Originally from Coopersburg, Pennsylvania, Lauren is new to Nashville and enjoys exploring the fitness and wellness scene, spending time with friends and family, and trying new restaurants around the city.
Lauren earned her Bachelor of Science in Business Administration from the University of Tennessee, Knoxville, where she majored in Finance with a minor in Entrepreneurship and a collateral in Information Management. While at UT, she was actively involved in organizations such as Women in Finance and Women of Haslam.
Originally from Coopersburg, Pennsylvania, Lauren is new to Nashville and enjoys exploring the fitness and wellness scene, spending time with friends and family, and trying new restaurants around the city.
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- Asset Management
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Rational Investing in an Age of Uncertainty
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Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
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A Simple Six-Step Retirement Checkup
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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 Nashville Legacy Wealth Management Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan 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
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 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.
5When 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley 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
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 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.
5When 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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)
