David E. Chamberland
First Vice President, Wealth Advisor, Portfolio Management Director
Phone:
(847) 842-1519(847) 842-1519
The Quarter Points Group at Morgan Stanley
Direct:
(847) 842-1550(847) 842-1550
Our Mission Statement
The needle on a compass spins wildly the more you move. It's not until you pause and steady your hand that the needle finds its way back to true north. Let us help you steady your compass and find your true north. We’ll take care of your financial well-being, so that you can focus on what is meaningful to you throughout every lifecycle.
Sound financial advice that propels you through life.
• Forbes Best-In-State Team: Recognized by Forbes as Best-In-State Wealth Management Teams 2025 (Forbes Best-In-State Wealth Management Teams Source: Forbes.com Awarded January 2025) Data compiled by SHOOK Research LLC based on time period from 3/31/23-3/31/24.
Disclosure: https://mgstn.ly/3J3ywqw
The Quarter Points Group at Morgan Stanley is well-versed in all areas of wealth management, but our primary goal is to create a sound financial plan that helps you develop an increased sense of comfort. Markets fluctuate, regulations take drastic turns and sometimes the news makes you question if you've saved enough to retire comfortably. When you work with us, your plan helps turns down the volume on uncertainty and dials up your financial confidence.
We don't just build wealth—we build relationships that endure. Many of our earliest clients are still working with us today, as are the next generation of their families. That's not just because we are experienced at developing strategies for growth, minimizing tax burdens, and protecting assets—they know that we care deeply about them and their families. Trust and longevity go hand in hand.
On a compass, the quarter points are the markings that help steer you in the right direction. That's exactly what we will do for you. It would be our privilege to be the last team of wealth managers you'll ever need.
EXPERIENCE. INTEGRITY. PASSION.
Here's one promise we can safely make—your trust and confidence are our top priorities. You'll always know where you stand with us because we communicate clearly and on your terms. Our entire team is responsive, proactive and above all, friendly.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- Planning for Education FundingFootnote4
- Trust ServicesFootnote5
- Estate Planning StrategiesFootnote6
- Long-term Care InsuranceFootnote7
- Alternative InvestmentsFootnote8
- Divorce Financial AnalysisFootnote9
- 401(k) Rollovers
- Cash Management and Lending ProductsFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A pathway to greater financial confidence.
The Quarter Points Group provides comprehensive wealth management. Together we will explore your financial goals, challenges, family situation and career aspirations. We'll bring to the forefront what you hold dear and what you value most. Working together, we create a plan that serves as the foundation of your financial and investment strategy throughout all the stages of your life—from putting children through college to retiring on your terms.
Advice you can trust. Personalized solutions. Global presence.
- Goals Prioritization
- Risk Assessment
- Cash Flow Analysis
- Portfolio Construction
- Open Architectural Platform
- Tax-Efficient Asset Allocation
- Tax-Advantaged Strategies
- Cash Management and Lending
- Life and Long-Term Care Insurance
- Lifestyle Review
- Social Security Analysis
- Income Planning and Distribution
- Traditional and Roth IRAs
- Next Generation Education
- Beneficiary Designations
- Wills and Trusts
- Coordinate with your CPA and Estate Planning Attorney
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We offer a comprehensive suite of tools to manage your wealth more effectively in today's busy world. We strive to ensure we serve our clients with market-leading technology platforms that are resilient, safe, efficient, smart, fast and flexible.
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Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio's exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
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Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
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Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
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Today, more than ever, there are countless mediums continually vying for our attention. Our group relentlessly pursues the correct, factual perspective and we share it with you in an efficient, timely manner below.
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760 W. Main Street
Suite 200
Barrington, IL 60010
US
Direct:
(847) 842-1550(847) 842-1550
Meet The Quarter Points Group
Louis D Greifenstein, CFP®
Senior Vice President, Financial Advisor, Senior Portfolio Management Director
Phone:
(847) 842-1547(847) 842-1547
Nicholas S. Payne, CDFA®
Financial Advisor
Phone:
(847) 842-1536(847) 842-1536
Kimberley T. Milfred
Vice President, Wealth Management Associate, Financial Planning Specialist*
Phone:
(847) 842-1550(847) 842-1550
Marlo Anne Chambers
Registered Client Service Associate
Phone:
(847) 382-3770(847) 382-3770
About David E. Chamberland
I have built my career at Morgan Stanley for over 42 years by forming close and enduring bonds with my clients and their families. I’ve had the opportunity of serving entrepreneurs and self-made individuals who have built and sustained multigenerational family businesses.
What sets me apart in the financial services industry is that my deep level of experience enables me to pivot to address my clients ever-changing needs. If a new opportunity arises, or a challenge presents itself, I’m able to adapt our plan and keep them moving forward toward their goals.
In 2014, I earned the Senior Portfolio Manager designation at Morgan Stanley. This distinguished achievement provides a vast array of unique benefits, including helping clients avoid costly delays with portfolio management decisions. They trust and appreciate the care that I take in helping them maintain the discipline necessary to navigate the most challenging of markets.
I joined Morgan Stanley in 1981, soon after graduating from the Kelly School of Business at Indiana University. On a personal note. I would like to thank my wife Suzanne and our daughters, Heather and Emily. Their level of support and understanding has allowed me to spend the countless hours necessary to build this wonderful career.
What sets me apart in the financial services industry is that my deep level of experience enables me to pivot to address my clients ever-changing needs. If a new opportunity arises, or a challenge presents itself, I’m able to adapt our plan and keep them moving forward toward their goals.
In 2014, I earned the Senior Portfolio Manager designation at Morgan Stanley. This distinguished achievement provides a vast array of unique benefits, including helping clients avoid costly delays with portfolio management decisions. They trust and appreciate the care that I take in helping them maintain the discipline necessary to navigate the most challenging of markets.
I joined Morgan Stanley in 1981, soon after graduating from the Kelly School of Business at Indiana University. On a personal note. I would like to thank my wife Suzanne and our daughters, Heather and Emily. Their level of support and understanding has allowed me to spend the countless hours necessary to build this wonderful career.
Securities Agent: CA, TX, RI, NM, IL, FL, CT, VA, NJ, MT, KY, IA, HI, AZ, WA, SC, NY, PA, NC, MO, MI, IN, TN, OR, NV, MN, ID, CO, AR, WY, NE, MD, DE, DC, AL, WI, UT, GA, OH, MA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1274624
CA Insurance License #: 4191332
NMLS#: 1274624
CA Insurance License #: 4191332
About Louis D Greifenstein
For almost 30 years, I have been relentlessly pursuing the title of “trusted advisor” for all of my clients. Teaching, learning, explaining, helping, listening, counseling, guiding and serving are just a few of the things that drew me to this business; along with my entrepreneurial spirit and passion for financial planning. As a CERTIFIED FINANCIAL PLANNER™ practitioner my primary focus is comprehensive financial planning; and as an investment advisor representative within the Portfolio Management Group, I manage discretionary portfolios to help implement those plans.
My clients recognize that what I do is not a job, but a way of life. I don’t collect clients—I build relationships. Every bond begins with a meeting of the hearts before there’s a meeting of the minds. I truly believe that a stronger personal, trusting relationship fosters better Financial Planning. For a client to entrust me with their financial well-being, I need to earn their business every day, no matter how long we have known each other. That’s why I devote so much energy into helping them make sound financial decisions.
I feel so fortunate and honored to do what I do each day with the superlative teamwork of The Quarter Points Group and the unconditional love and support of my wife and five daughters.
Currently, I hold the FINRA Series 7, 31, 63 and 65 (Investment Advisor Representative) securities licenses, as well as the Life, Variable Life, Health and Long Term Care Insurance certifications. I received my Bachelor of Science degree in Finance with a minor in Economics from Northern Illinois University Cum Laude and a Certificate in Business Studies from Indiana University.
My clients recognize that what I do is not a job, but a way of life. I don’t collect clients—I build relationships. Every bond begins with a meeting of the hearts before there’s a meeting of the minds. I truly believe that a stronger personal, trusting relationship fosters better Financial Planning. For a client to entrust me with their financial well-being, I need to earn their business every day, no matter how long we have known each other. That’s why I devote so much energy into helping them make sound financial decisions.
I feel so fortunate and honored to do what I do each day with the superlative teamwork of The Quarter Points Group and the unconditional love and support of my wife and five daughters.
Currently, I hold the FINRA Series 7, 31, 63 and 65 (Investment Advisor Representative) securities licenses, as well as the Life, Variable Life, Health and Long Term Care Insurance certifications. I received my Bachelor of Science degree in Finance with a minor in Economics from Northern Illinois University Cum Laude and a Certificate in Business Studies from Indiana University.
Securities Agent: NJ, NM, TN, NV, MT, MA, KY, MN, VA, PA, NE, IL, DE, AZ, WY, MD, IA, GA, WA, TX, MI, DC, CT, CA, MO, CO, SC, RI, NC, IN, WI, AR, UT, OR, OH, NY, ID, HI, FL, AL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1310681
CA Insurance License #: 0I49141
NMLS#: 1310681
CA Insurance License #: 0I49141
About Nicholas S. Payne
I began my career in the financial services industry while finishing my degree in Finance from the Driehaus College of Business at DePaul University. After accumulating six years of experience within the institutional investment management space, I transitioned to wealth management and joined Morgan Stanley.
I strive to help successful professionals and self-made business owners prepare for life’s curve balls and navigate a clear path to retirement. I’m driven to make sure that my clients and their families have a plan in place to preserve and grow the wealth they’ve worked so hard to earn. By leveraging the vast resources and dynamic technology that Morgan Stanley offers, I’m able to develop creative financial strategies that meet their present needs and goals for the future. For almost 10 years in the industry, I’ve been driven to ensure my efficient planning and personalized approach to client service creates meaningful and long-lasting relationships.
My wife Heather and I live in Lincolnshire, Illinois. We’re proud parents of our newborn son, Lincoln. In my free time, I enjoy a round of golf, playing with our two dogs, and spending time with my family and friends.
I strive to help successful professionals and self-made business owners prepare for life’s curve balls and navigate a clear path to retirement. I’m driven to make sure that my clients and their families have a plan in place to preserve and grow the wealth they’ve worked so hard to earn. By leveraging the vast resources and dynamic technology that Morgan Stanley offers, I’m able to develop creative financial strategies that meet their present needs and goals for the future. For almost 10 years in the industry, I’ve been driven to ensure my efficient planning and personalized approach to client service creates meaningful and long-lasting relationships.
My wife Heather and I live in Lincolnshire, Illinois. We’re proud parents of our newborn son, Lincoln. In my free time, I enjoy a round of golf, playing with our two dogs, and spending time with my family and friends.
Securities Agent: TX, IL, WY, NY, MD, GA, VA, CA, WA, MS, MN, HI, AZ, PA, CT, CO, OH, NV, NE, FL, NM, MI, IA, AR, AL, NC, ID, UT, TN, SC, MO, MA, KY, DE, DC, MT, IN, WI, RI, OR, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 1949121
NMLS#: 1949121
About Kimberley T. Milfred
With over 20 years of experience in the financial services industry, I’m passionate about cultivating outstanding client relationships and providing premier service year after year. My career with Morgan Stanley began in 2006 and I am thrilled to be a part of a comprehensive team so dedicated to the personal and financial wellbeing of our clients. While I oversee the day-to-day operations for the Quarter Points Group, my real area of expertise is in resolving complex issues for our clients with compassion, efficiency, and attention to detail. I’m married and have four children. I enjoy singing in a community choir, reading, traveling, and spending time with family and friends.
I received a Bachelor of Arts degree from the University of Puget Sound and hold my FINRA series 7, 31 and 66 licenses.
*Disclaimer: This role cannot solicit or provide investment advice
I received a Bachelor of Arts degree from the University of Puget Sound and hold my FINRA series 7, 31 and 66 licenses.
*Disclaimer: This role cannot solicit or provide investment advice
About Marlo Anne Chambers
I have worked in the financial industry for over 30 years. What first brought me to the industry was the excitement of the stock market, however, the enjoyment of helping a client achieve their goals and reach retirement has kept me in the industry for the long-term. I am proud to be an integral part of the Quarter Points Group at Morgan Stanley. My goal is to make your experience with us as simple and convenient as possible; while working closely with you to ensure we are effectively meeting your needs. I’m committed to providing the level of service our clients are accustomed to and deserve. I grew up in North Barrington and I am a proud Barrington High School Alum. I live in Lake Zurich with my two English Springer Spaniels and enjoy golfing, skiing, boating, and vacationing at my second home in Arizona. What is most important to me is spending time with my family and friends.
I received my Bachelor of Science degree from Elmhurst College, double majoring in Finance and Economics. I hold my FINRA Series 7, 63 and 65 Securities Licenses and Life & Variable Annuity Insurance Licenses.
I received my Bachelor of Science degree from Elmhurst College, double majoring in Finance and Economics. I hold my FINRA Series 7, 63 and 65 Securities Licenses and Life & Variable Annuity Insurance Licenses.
Contact David E. Chamberland
Contact Louis D Greifenstein
Contact Nicholas S. Payne
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Andrew Dittbenner
Private Banker
About Andrew Dittbenner
Andrew Dittbenner is a Private Banker serving Morgan Stanley Wealth Management offices in Illinois.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Andrew began his career in financial services in 2010 and joined Morgan Stanley in 2018. Prior to joining the firm, he was a Senior Premier Banker at BMO Harris Bank, as well as a Financial Center Manager with the Fifth Third Bank.
Andrew received a Bachelor of Science in Business Marketing from Northern Illinois University. He and his wife live in Saint Charles, Illinois. When not at the office, Andrew volunteers with the Make a Wish Foundation. He also enjoys attending sporting events, as well as spending time with family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Andrew began his career in financial services in 2010 and joined Morgan Stanley in 2018. Prior to joining the firm, he was a Senior Premier Banker at BMO Harris Bank, as well as a Financial Center Manager with the Fifth Third Bank.
Andrew received a Bachelor of Science in Business Marketing from Northern Illinois University. He and his wife live in Saint Charles, Illinois. When not at the office, Andrew volunteers with the Make a Wish Foundation. He also enjoys attending sporting events, as well as spending time with family and friends.
NMLS#: 718951
Wealth Management
From Our Team
The Quarter Points Group Newsletter Q4 2024
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
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
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
Are You Prepared for Tax Day?
Article Image
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The Quarter Points Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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’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.
4When 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.
5Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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 and other legal matters.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 (“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.
10Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame 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
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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’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.
4When 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.
5Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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 and other legal matters.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 (“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.
10Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
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Awards Disclosures
CRC 6491812 (04/2024)
