John McLaughlin
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(904) 543-7801(904) 543-7801
NorthStar Wealth Management Group at Morgan Stanley
Direct:
(904) 273-7597(904) 273-7597
Our Mission Statement
Excellence in helping clients like you with your personalized investment and financial strategies
About Us
NorthStar Group at Morgan Stanley is a team of dedicated financial professionals who combine different skills and experience to help high net worth families and individuals address the complex financial challenges and achieve confidence in a secure financial future. Our backgrounds include former CPAs, a former tax and estate planning attorney, investment management, private real estate investments, and small business consulting. This allows NorthStar Group to develop investment strategies, risk mitigation, wealth preservation strategies, liability reorganization, and trust and estate planning strategies that help meet our clients' goals. Combining our own extensive experience with Morgan Stanley's deep global resources and open platform, NorthStar Group is positioned to help you create and implement truly comprehensive wealth management plans based on your precise objectives. Our personalized process starts with getting to know you, your family's challenges and aspirations, and presenting meaningful solutions to managing the issues that significant wealth can create. As our name implies, we strive to be our clients guiding star helping navigate them to financial success.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Monthly Topics
The NorthStar Wealth Management Group’s Monthly Topics page is designed to offer timely perspectives on financial planning, investing, retirement, legacy planning and other wealth management considerations. While individual topics may change over time, the purpose of this page remains consistent: to provide thoughtful insights that can help clients stay informed and engaged as they make decisions about their financial lives.
We encourage you to explore these topics as a starting point for conversation. Your goals, circumstances and priorities are unique, and our team is available to discuss how broader planning themes may relate to your personal financial strategy.
We encourage you to explore these topics as a starting point for conversation. Your goals, circumstances and priorities are unique, and our team is available to discuss how broader planning themes may relate to your personal financial strategy.
September 2026: Legacy Planning
Legacy and Estate Planning can help protect your wealth, provide for loved ones, and ensure your wishes are carried out. Learn more via the presentation below:
Legacy Planning Presentation
August 2026: Fraud Awareness
As AI advances, cyber crimes are becoming increasingly intricate. It is important to consider putting in place a cybersecure approach to your internet activity, especially towards your Financial planning. Morgan Stanley's Cybersecurity Video Series, featuring Rachel Wilson, offers insight into this process. Learn more below:
Fraud Awareness
July 2026: Mid-year Financial Planning Checklist
As Q3 begins, it's important to check on your overall financial picture. As you begin to look over your portfolio, let this checklist serve as a foundation for your process. Learn more at the link below:
Mid-year ChecklistAlternative Investments
Alternative investments may help eligible investors pursue a range of objectives. Morgan Stanley can provide access to certain alternative investment strategies, including private equity, private credit, real estate, hedge funds, managed futures, and exchange funds. These investments are often speculative and involve significant risk, including the potential loss of all or a substantial portion of the invested capital. They may be highly illiquid and may employ leverage, short selling, and other techniques that can increase volatility and the risk of loss. Alternative investments may also be subject to substantial investment minimums and lock-up periods, and may involve complex and potentially tax-inefficient structures, including delays in the delivery of tax reporting information. In addition, they may entail higher fees and expenses than traditional investments, which can reduce investor returns.
Alternative Investments
Alternatives are the investments that go beyond traditional stocks and bonds. They can open doors to help grow and protect your wealth, and have long sought to offer enhanced returns, portfolio diversification, lower volatility, as well as potential tax efficiency.
Private Equity
Many institutional and individual investors are weighing how inflation and hawkish central bank policy will affect corporate earnings, economic growth and the returns from their stock and bond holdings. In this environment, they may want to consider how alternative investments, such as private equity assets, can help diversify their portfolios and offer potential income generation with low correlation to public markets.
Private Markets Transaction Desk
Morgan Stanley Wealth Management announced today the launch of its Private Markets Transaction Desk, a concierge service that empowers eligible shareholders and investors to buy and sell eligible private company shares in the secondary market. The offering is part of Morgan Stanley’s broader Private Markets ecosystem that provides a unique suite of solutions for companies, employees and investors to serve a diversity of client needs.
Total Tax 365
By implementing tax-efficient strategies as part of your investment process you may increase potential portfolio returns and achieve your goals faster.
The Alts Report: the Expanding Opportunity Set in Private Markets
Jed Finn, Head of Morgan Stanley Wealth Management, hosts Marc Rowan, CEO of Apollo Global Management, to discuss the growing demand and versatility of alternatives, how public and private markets are converging, the private credit landscape and more.
Useful Resources and Modern Wealth Tools
Our team utilizes a multitude of resources with our clients in day-to-day work. It is important to us that we make our clients' interactions with their financial portfolio as seamless as possible.
Morgan Stanley Online
Morgan Stanley Online gives clients an at-a-glance view of their portfolio and access to key account features and tools through a single, easy-to-navigate homepage experience.
Learn More
eDelivery
eDelivery lets clients receive and view statements and other firm documents electronically instead of paper, with 24/7 access to view, download, and print documents. Clients can enroll or unenroll by document type through Morgan Stanley Online.
Learn More
Total Tax 365
Total Tax 365 is a year-round content hub designed to support proactive tax planning conversations, with timely insights, videos, and ready-to-use outreach resources.
Learn More
Digital Vault
Digital Vault is an encrypted document delivery, storage, and collaboration space where clients/prospects and our teams can securely upload and share important documents; all uploads are virus scanned and encrypted.
Learn More
Security Center
The Security Center is where clients can manage two-step verification settings, including enrolling a Security Key as an additional layer of protection for Morgan Stanley Online and the Mobile App.
Learn More
Morgan Stanley Reserved Living and Giving
Reserved Living & Giving is a tiered, complimentary loyalty program for eligible clients, offering preferred pricing and access to sought-after events, experiences, and popular brands, with enhanced Lifestyle Advisory services for higher tiers.
Learn MoreLocation
50 A1A North
Ste 112
Ponte Vedra Beach, FL 32082
US
Direct:
(904) 273-7597(904) 273-7597
Meet NorthStar Wealth Management Group
Melissa Duke
First Vice President, Wealth Management, Financial Advisor
Phone:
(904) 273-7597(904) 273-7597
Phone:
(904) 543-7836(904) 543-7836
Rochelle Bullen
Portfolio Associate
Phone:
(904) 273-7564(904) 273-7564
Nick Petriello, CFA
Wealth Management Analyst
Phone:
(904) 273-7596(904) 273-7596
Meghan Miller
Registered Client Service Associate
Phone:
(904) 273-7573(904) 273-7573
Racquel Domingo
Wealth Management Associate
Phone:
(904) 543-7807(904) 543-7807
About John McLaughlin
John McLaughlin is the senior member of the NorthStar Group at Morgan Stanley based in Ponte Vedra Beach, Florida. John and his team focus on helping high net worth individuals with all facets of their life including asset management, financial and estate planning , liability review and risk management. John’s team, which includes a former CPA and Tax Attorney, helps clients identify major financial issues and helps clients work through the most appropriate solutions to address these concerns for their families. The NorthStar Group process begins with a thorough understanding of their clients’ current situation and major life events and their impact. This includes a review of clients’ cash position, savings and long term investments, debt and liabilities, and insurance. John and his team then work with their clients to develop specific strategies for income, overall budgeting and lifetime goals. This strategy results with the team and the client developing a good picture of their current situation and creating a plan with specific solutions to help them accomplish their goals.
John has served on several non-profit boards and committees and done so in numerous capacities. John is currently the Vice Chair for the Catholic Foundation Jacksonville. Away from the office, John supports Catholic Charities and the Cultural Center at Ponte Vedra Beach. He also enjoys playing soccer, tennis, and golf and spending time with his wife, Ana, and their three children.
John has served on several non-profit boards and committees and done so in numerous capacities. John is currently the Vice Chair for the Catholic Foundation Jacksonville. Away from the office, John supports Catholic Charities and the Cultural Center at Ponte Vedra Beach. He also enjoys playing soccer, tennis, and golf and spending time with his wife, Ana, and their three children.
Securities Agent: NY, ID, IL, CO, AR, WA, OR, MI, AZ, VT, VA, PA, NM, NH, MT, ME, DE, DC, MO, KS, IN, GA, NV, MD, IA, WV, UT, TX, TN, SC, PR, CA, OH, LA, FL, MA, KY, HI, NJ, NE, NC, MS, CT, AL, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 1261837
NMLS#: 1261837
About Melissa Duke
With a passion for helping others, Melissa has built strong relationships with clients for more than 16 years. Beginning her career in the financial services industry in 2005, Melissa has valuable and varied experience that enables her to fulfill most account-related needs for our clients. With a back ground in practice management, Melissa is competent and reliable, helping with everything from small tasks to very complex issues. Melissa treats our clients concerns with sensitivity and respect, handling each client’s needs with grace, speed, and integrity.
Originally from New Mexico, she studied accounting at Eastern New Mexico University and was a valued member of their varsity volleyball team. She later went on to obtain her Series 7, 66, and Life and Health Insurance licenses. Her focus in the industry began with financial planning and later evolved into practice management with a love for marketing. She takes great pride in creating the “Red Carpet” experience for our clients. She has a key role in coordinating our client events and educational seminars. She also handles the distribution of communication and marketing material, manages our database, and organizes the office’s daily operations.
Recently relocated from Arizona, Melissa is happy to call Ponte Vedra her home. Outside of the office, she enjoys spending time with her husband and two boys, fishing, paddle boarding, and many other outdoor activities that Florida has to offer. Already active in the community, she finds time to participate at Gabriel’s House, Pine Castle, and volunteers at her sons’ schools.
NMLS # 1724236
Originally from New Mexico, she studied accounting at Eastern New Mexico University and was a valued member of their varsity volleyball team. She later went on to obtain her Series 7, 66, and Life and Health Insurance licenses. Her focus in the industry began with financial planning and later evolved into practice management with a love for marketing. She takes great pride in creating the “Red Carpet” experience for our clients. She has a key role in coordinating our client events and educational seminars. She also handles the distribution of communication and marketing material, manages our database, and organizes the office’s daily operations.
Recently relocated from Arizona, Melissa is happy to call Ponte Vedra her home. Outside of the office, she enjoys spending time with her husband and two boys, fishing, paddle boarding, and many other outdoor activities that Florida has to offer. Already active in the community, she finds time to participate at Gabriel’s House, Pine Castle, and volunteers at her sons’ schools.
NMLS # 1724236
Securities Agent: CO, AZ, WA, UT, PR, ME, FL, LA, CA, TX, SC, OR, MT, AR, NV, TN, NJ, MO, MD, IN, IL, AL, OH, MS, MA, NM, NE, DE, DC, VA, NY, GA, CT, WV, WI, VT, NH, NC, MI, PA, KY, KS, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 1724236
NMLS#: 1724236
About Doug Cochrane
After a distinguished career with the United States Navy where he served from 1985 until 2015, Doug joined Morgan Stanley in 2019 as a Financial Advisor. Prior to joining Morgan Stanley, he was with JP Morgan Chase. Doug graduated from Texas Christian University with a B.A. in Mathematics. He earned a Master of Science in Logistics Engineering and Transportation Systems Management at the Naval Postgraduate School. Doug has attained his Series 7 license. Doug’s attention to detail and client service make him another valuable member of our NorthStar team.
Doug lives in Ponte Vedra with his wife Anne. They are the proud parents of Shannon, Sean, Devin, and Erin. In his leisure time, Doug enjoys playing golf, fitness activities, and his vegetable garden.
Doug lives in Ponte Vedra with his wife Anne. They are the proud parents of Shannon, Sean, Devin, and Erin. In his leisure time, Doug enjoys playing golf, fitness activities, and his vegetable garden.
Securities Agent: LA, IL, RI, MT, AR, NE, MA, CA, MS, MI, MD, IA, WA, TX, ME, KS, IN, FL, CT, WI, SC, OH, NJ, MO, KY, AZ, AL, NC, WV, VA, PA, PR, NY, GA, DE, DC, CO, VI, OK, VT, UT, TN, OR, NV, NM, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 1930345
NMLS#: 1930345
About Rochelle Bullen
A 28-year veteran of the industry, Rochelle’s extensive experience enables her to fulfill a vast array of service needs for our clients. She began in the margin department of Alex Brown before finding her passion in client service. From there, Rochelle moved to Smith Barney, and Janney Montgomery Scott before joining the NorthStar Group at Morgan Stanley in 2019. Rochelle holds the Series 7, 63, and 65 licenses and is Accredited Wealth Management Associate. Her vast background and kind demeanor are a crucial contribution to the NorthStar Group.
Originally from New York, Rochelle and her husband, Ken moved their family to Florida to escape the cold weather. Rochelle and Ken recently celebrated their 29th wedding anniversary and are looking forward to being a part of their new community. They are avid fitness enthusiasts, enjoy the cultural arts, and spending time with their son, who is a recent graduate from the University of Miami.
Originally from New York, Rochelle and her husband, Ken moved their family to Florida to escape the cold weather. Rochelle and Ken recently celebrated their 29th wedding anniversary and are looking forward to being a part of their new community. They are avid fitness enthusiasts, enjoy the cultural arts, and spending time with their son, who is a recent graduate from the University of Miami.
About Nick Petriello
Nick has over 13 years of experience in the financial services industry in areas such as investment analysis, client service, performance reporting, trading, and project management. He previously worked at companies such as Credit Suisse, Deutsche Bank, and Sawgrass Asset Management. His educational accomplishments include graduating Summa Cum Laude with a B.S. in Business Management from Stony Brook University, an M.B.A. from the University of North Florida, and earning a Chartered Financial Analyst (CFA) designation from The CFA Institute, of which he is a member of the local Jacksonville chapter.
Nick is originally from New York and has lived in the Jacksonville area for the last 10 years. In his free time he enjoys activities such as tennis, distance running, attending sporting events, and travelling. He currently lives in St. Augustine with his wife and two children.
Nick is originally from New York and has lived in the Jacksonville area for the last 10 years. In his free time he enjoys activities such as tennis, distance running, attending sporting events, and travelling. He currently lives in St. Augustine with his wife and two children.
About Meghan Miller
Meghan has worked in the client services industry for 25 years and brings a wealth of service and operational experience to the team. She has been a pillar of consistency who provides outstanding client service and takes true enjoyment from working with the team’s exceptional clientele. In her role with the NorthStar Group, she will implement the team’s client service model by streamlining client onboarding, operations and account maintenance. Meghan strives to uphold the team’s mission to provide exemplary wealth management service to affluent and ultra-high net worth families.
The lure of the beach and warm weather brought Meghan and her family to St. Johns in 2018 from Connecticut, where she and her husband Jim grew up and they raised their son
The lure of the beach and warm weather brought Meghan and her family to St. Johns in 2018 from Connecticut, where she and her husband Jim grew up and they raised their son
About Racquel Domingo
Racquel has been working in the financial industry since 1981. Over the years, she has developed skills and ways in providing excellent service to clients. Her main focus is client retention by making sure the administrative side of the business is running smoothly and client expectations are far exceeded.
She has worked form Merrill Lynch from 1981 thru March 2015 and with Morgan Stanley April 2015 to present time.
Promoted to "Wealth Management Associate' - 2025
Racquel graduated Cum Laude from National College of Business and Arts (Philippines) with a degree in B.S.B.A. major in Accounting. She is Series 7 and 66 licensed. She also carries Insurance licenses in Health, Life, Variable Annuities and Long-Term Healthcare.
She is very active in the Filipino American Community activities and spends most of her spare time with her granddaughter, Sophie.
She has worked form Merrill Lynch from 1981 thru March 2015 and with Morgan Stanley April 2015 to present time.
Promoted to "Wealth Management Associate' - 2025
Racquel graduated Cum Laude from National College of Business and Arts (Philippines) with a degree in B.S.B.A. major in Accounting. She is Series 7 and 66 licensed. She also carries Insurance licenses in Health, Life, Variable Annuities and Long-Term Healthcare.
She is very active in the Filipino American Community activities and spends most of her spare time with her granddaughter, Sophie.
Contact John McLaughlin
Contact Melissa Duke
Contact Doug Cochrane
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact NorthStar Wealth Management Group today.
1Morgan 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.
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.
3Alternative 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.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
5Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
8Morgan 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.
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
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.
3Alternative 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.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
5Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
8Morgan 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.
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)
