Phone:
(239) 432-5280(239) 432-5280
J M Miller Group at Morgan Stanley
Direct:
(239) 432-1300(239) 432-1300
Toll-Free:
(800) 326-8389(800) 326-8389
Our Mission Statement
Empowering clients with personalized, goal-driven financial strategies and unwavering commitment to trust and well-being.
Welcome
The success of the J M Miller Group comes from the relationships we have established with our clients and their families. These life-long relationships are based on integrity, honesty, constant communication, and putting our client’s interests first, as if they are family – which is how we would want our family to be treated. We provide comprehensive, customized, and objective investment advice for every generation of our client’s families and help with multi-generational planning and transitions.
By asking the right questions we get to know our clients on a personal level – their goals, concerns, fears, and what they are most passionate about. Our clients care about what they can DO with their money. Can they have the retirement lifestyle they envision? Can they send children and grandchildren to college? Will they be able to support elderly parents? How can they best support the charities that matter most to them?
We do our best work and provide the most value to people who have comprehensive planning and investing needs and who have savings of $500,000 or more. We understand that Wealth Management has never been more complicated. There are more and more investment choices, changing tax and estate laws, changes to Social Security, Medicare, and retirement plan funding rules. Using our skills, experience, and the global resources at Morgan Stanley, we are here to meet these challenges and to help guide you, so that you can make the best and most informed choices for you and for those you love.
We use a comprehensive financial planning process, along with sophisticated market and economic analysis to help our clients define and meet their goals, and we are committed to providing first rate service by being available to respond quickly and efficiently should any question or concern arise. Our clients truly matter to us and you’ll know that from day one.
By asking the right questions we get to know our clients on a personal level – their goals, concerns, fears, and what they are most passionate about. Our clients care about what they can DO with their money. Can they have the retirement lifestyle they envision? Can they send children and grandchildren to college? Will they be able to support elderly parents? How can they best support the charities that matter most to them?
We do our best work and provide the most value to people who have comprehensive planning and investing needs and who have savings of $500,000 or more. We understand that Wealth Management has never been more complicated. There are more and more investment choices, changing tax and estate laws, changes to Social Security, Medicare, and retirement plan funding rules. Using our skills, experience, and the global resources at Morgan Stanley, we are here to meet these challenges and to help guide you, so that you can make the best and most informed choices for you and for those you love.
We use a comprehensive financial planning process, along with sophisticated market and economic analysis to help our clients define and meet their goals, and we are committed to providing first rate service by being available to respond quickly and efficiently should any question or concern arise. Our clients truly matter to us and you’ll know that from day one.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Services
Wealth management isn't a one-time event. It is an ongoing process designed to create structure today while preserving opportunity for the next generation. Every strategy we help implement is approached with long-term continuity in mind, ensuring that financial decisions remain aligned with evolving goals, family needs, and market conditions.
Comprehensive Financial Planning
Bringing together investments, tax considerations, estate planning, and cash flow into a cohesive, adaptable financial structure.
Portfolio Management
Custom investment strategies aligned with long-term objectives, emphasizing risk mitigation, tax efficiency, and multi-asset diversification.
Estate Planning Coordination
Working alongside legal and tax advisors to ensure estate plans support long-term family goals, legacy transfer, and tax efficiency.
Retirement and Liquidity Planning
Preparing clients for retirement income needs, pre-retirement asset allocation, and maintaining access to liquidity during key life transitions.
Next Generation Wealth Strategy
Helping families prepare heirs to manage wealth responsibly through governance planning, education, and structured asset transfer strategies.
Insurance Planning
Incorporating life & disability insurance into broader wealth strategies as part of risk management and wealth preservation.
Cash Management and Lending Solutions
Providing structured lending strategies, credit solutions, and cash flow management as part of a coordinated wealth plan.
Business Owner Advisory
Advising on liquidity events, business succession, and pre-sale planning to help owners translate business value into lasting family wealth.
401(k) and Employer Retirement Plans
Designing and managing retirement plans for businesses with a focus on fiduciary guidance and long-term participant outcomes.
Philanthropic Strategy and Impact Giving
Structuring charitable giving and family foundations to align with personal values while supporting tax and estate objectives.
PREPARING THE NEXT GENERATION FOR FINANCIAL SUCCESS
At Morgan Stanley, we understand that our clients aspire to pass on more than just wealth to the next generation. They want to instill the family values and financial discipline that helped build it. Our Next-Gen advisory service is crafted to serve as a comprehensive educational resource for you, your children, and your grandchildren. We aim to nurture the development of financial skills and habits, empowering the next generation to forge their own path to financial success.
Explore the educational materials below, designed to help to navigate key life events and prepare for the future. Should you have any other topics in mind that you'd like us to cover, please feel free to reach out. We're here to support your family's financial journey every step of the way.
Graduating College: A Whole New World
Graduating college marks the transition from academia to the professional world, filled with opportunities and new responsibilities. Managing student loans, creating a budget, and understanding personal finance are crucial steps. By equipping yourself with financial literacy, you can make informed decisions that align with your career goals. The choices you make today can have a lasting impact on your future.
Starting Your First Job
Starting your first job is an exciting experience that lays the foundation for your professional life. It's a time to learn about workplace dynamics, develop essential skills, and establish financial independence. Understanding how to manage your income, benefits, and expenses is key to building a stable financial future. Focus on personal growth and financial management to navigate this new phase confidently.
Saving: A Penny Saved Is a Penny Earned
Saving is a fundamental aspect of financial well-being, providing a pathway to achieving both immediate and long-term goals. It's about creating a strategic plan that supports your aspirations and provides a safety net for the future. By cultivating disciplined saving habits and leveraging compound interest, you can take control of your financial journey. Whether saving for a major purchase or building an emergency fund, understanding saving is essential for security.
Investing: The Basics
Investing is a powerful tool for building wealth and securing your financial future. Understanding risk tolerance, asset allocation, and diversification is crucial for crafting a strategy that aligns with your goals. By setting clear objectives and staying informed about market trends, you can make informed decisions for life's milestones. Investing wisely requires patience and knowledge, enhancing your financial well-being over time.
Starting a Business: Setting Up Shop
Building a business from scratch is a challenging yet rewarding endeavor. Aligning your profession with your passions can make the journey worthwhile. Success hinges on a clear understanding of the value your business will create, a solid plan for delivering that value, and the perseverance to see it through. By focusing on these elements, you can transform your entrepreneurial dream into a reality.
Tying the Knot: To Half and to Whole
Marriage involves merging two financial lives into one, making it essential to understand expectations, set common goals, and map out life as a couple. Sharing everything from money values to credit histories is crucial for building a strong financial foundation. Open communication and aligned financial planning are key to a healthy relationship.
Buying a Home: Making Moves
Buying your first home is an exciting milestone with significant financial and lifestyle implications. It's important to evaluate all factors before making this commitment. Next-Gen clients may benefit from leveraging their family's relationship with Morgan Stanley to navigate the market. If you're considering buying a home, let's discuss all potential options to ensure a well-informed decision.
Starting a Family: From Dollars to Diapers
Anticipating changes before starting a family is crucial for financial stability. With an additional mouth to feed, monthly expenses will change, and household income may temporarily decrease. By mapping out your baby budget in advance, you can ease anxiety about new expenses and ensure a smoother transition into parenthood.
Family Matters: Invest in What Counts
Inheriting a family business or wealth presents both challenges and opportunities. It's important to focus on succession planning, managing family wealth, and fostering inclusion while avoiding conflicts. Essential estate planning can help protect your assets and loved ones. Whether you're facing a crisis or planning for the future, making informed decisions is key to ensuring a smooth transition.
Philanthropy & Legacy: Making Your Mark
Philanthropy offers a powerful way to reflect your values and mission. Creating a philanthropic mission statement, contributing effectively, and designing a giving strategy that aligns with your goals can help you make a meaningful impact.
Personalized Solutions
From buying a home to rolling over your 401(k) to leaving a lasting legacy, we are here to answer your financial questions and implement the best strategies for your specific goals and circumstances. Here are just some of the questions we help our clients answer every day.
Financial Planning
Life is constantly changing. How do I prepare for a more secure future knowing that certain events- like a divorce or death in the family- can dramatically impact my plans?
Retirement Planning
Have I saved enough for retirement so I can maintain my current lifestyle without worrying I'll run out of money? What is the best way to re-invest my 401(k) when I get ready to leave my company and retire?
Asset Organization
I have assets spread across multiple organizations and platforms. How do I get organized and simplify my financial life?
Managing Risk
Life's risks can reveal themselves in many ways- from loss of life to loss of health. How do I protect myself and my family from life's unknown?
Professional Portfolio Management
I have so many things I want to do with my life. How can one investment strategy balance them all?
Location
7811 University Pointe Drive
Ft. Myers, FL 33907
US
Direct:
(239) 432-1300(239) 432-1300
Toll-Free:
(800) 326-8389(800) 326-8389
Meet J M Miller Group
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager, CERTIFIED FINANCIAL PLANNER®
Phone:
(239) 432-5263(239) 432-5263
Jennifer Ramey
Portfolio Associate
Phone:
(239) 432-1319(239) 432-1319
Christian Whiteley
Registered Client Service Associate
Phone:
(239) 432-1329(239) 432-1329
About June Miller
June is a Senior Vice President, Financial Advisor, and Portfolio Manager at Morgan Stanley’s J M Miller Group. With over 33 years in the financial services industry, she excels in the firm’s technology, retirement products and investment advisory platforms. June focuses on building and nurturing new relationships for the team. Born in Bangkok, Thailand, June has lived in various places including Saipan, Seoul, Texas, and Hawaii, where she studied Business Administration at Chaminade University in Honolulu. Starting her career in Cape Coral, Florida in 1991, she became a partner in 2007. She frequently donates her time and resources to Community Cooperative, a non-profit organization that strives to alleviate hunger and homelessness in the community. June and her husband Matt are parents to McKenzie, Jackson, and Bryce. McKenzie will be graduating from Florida State University this summer and continuing to dental school in the fall. Jackson is a first-year student at Florida State University, majoring in Computer Science Engineering and Bryce is currently a junior at Bishop Verot Catholic High School. In her free time, June enjoys traveling and gourmet cooking.
Securities Agent: WA, AR, TN, RI, MO, MN, FL, UT, SC, NC, WI, NM, AL, ME, WV, SD, OR, NJ, MD, GA, PA, OK, KY, KS, NV, MI, MA, IN, IA, TX, NH, IL, CT, CO, CA, AZ, VA, OH, NY, DE; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255291
NMLS#: 1255291
About Matthew Miller
Since 1995, Matthew has been a Financial Advisor at Morgan Stanley, focusing on the financial needs of high-net worth individuals. With over 29 years of industry experience, he advocates a long-term investment approach, emphasizing financial planning to assess clients’ needs and risk tolerance. Matt’s career is built on prioritizing clients’ interests, delivering exceptional personal service, and employing an integrated approach to wealth management. Inspired by his father’s fifty-year legacy in the industry, Matt decided early on to follow in his footsteps. A Ball State University graduate in Psychology from Indiana, he holds specialized training in Lump Sum Retirement Planning and Estate Planning strategies. In 2011, Matt earned his Certified Financial Planner™ (CFP®) designation. Residing in Fort Myers with his wife June, and their three children, McKenzie, Jackson, and Bryce, he spends his free time golfing and traveling.
Securities Agent: TN, NY, NC, VA, AZ, TX, NJ, NH, MI, DE, WY, SD, MN, KY, IL, IN, FL, CT, WI, OR, NV, NM, MO, MA, KS, IA, GA, CA, AL, UT, RI, OK, CO, WV, WA, PA, ME, SC, MD, AR, OH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1295603
NMLS#: 1295603
About Jennifer Ramey
Jennifer has been with the team for 17 years and has been with the firm since 2005. Jennifer obtained her Bachelor of Science degree from the University of Florida and a Masters of Science from the University of South Carolina. She is responsible for all aspects of account administration and client support services. She is a vital part of the team and strives to consistently deliver a superior client experience.
Jennifer was born and raised in Fort Myers where she currently lives with her daughter, Jordan.
Jennifer was born and raised in Fort Myers where she currently lives with her daughter, Jordan.
About Christian Whiteley
Christian Whiteley is a Registered Client Service Associate with the J M Miller Group. With experience in both financial brokerages and retail banking, he excels in client service and financial operations. His background equips him with the skills to deliver personalized solutions, making him a valuable addition to the team.
Contact June Miller
Contact Matthew Miller
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
Stacey Herring
Private Banker
Aashna Shahdadpuri
Planning Associate
About Stacey Herring
Stacey Herring is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.
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.
Stacey began her career in financial services in 1994, and joined Morgan Stanley in 2014. Prior to joining the firm, she was a Mortgage Sales Manager at SunTrust Bank and a Senior Mortgage Loan Officer for over 17 years at Fifth Third Bank. Stacey is a graduate of Florida State University, where she received a Bachelor of Science in Business Marketing and a Minor in Communications.
Stacey currently serves on the Women’s Foundation of Collier County Board of Directors, as well as Junior Achievement of SWFL’s Advisory Board. In addition, Stacey has chaired many community endeavors, serving Naples Community Hospital, PACE Center for Girls of Collier County, and Youth Haven. She is a graduate of the Naples Chamber of Commerce’s Leadership Collier program, awarded Gulfshore Business Magazine’s “40 Under 40 Award”, and in 2013 was awarded the Glass Slipper Award by The Education Foundation, Champions for Learning. In 2014, Stacey was named a Woman of Initiative by the Community Foundation of Collier County for her philanthropy, dedication, and commitment to children’s causes.
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.
Stacey began her career in financial services in 1994, and joined Morgan Stanley in 2014. Prior to joining the firm, she was a Mortgage Sales Manager at SunTrust Bank and a Senior Mortgage Loan Officer for over 17 years at Fifth Third Bank. Stacey is a graduate of Florida State University, where she received a Bachelor of Science in Business Marketing and a Minor in Communications.
Stacey currently serves on the Women’s Foundation of Collier County Board of Directors, as well as Junior Achievement of SWFL’s Advisory Board. In addition, Stacey has chaired many community endeavors, serving Naples Community Hospital, PACE Center for Girls of Collier County, and Youth Haven. She is a graduate of the Naples Chamber of Commerce’s Leadership Collier program, awarded Gulfshore Business Magazine’s “40 Under 40 Award”, and in 2013 was awarded the Glass Slipper Award by The Education Foundation, Champions for Learning. In 2014, Stacey was named a Woman of Initiative by the Community Foundation of Collier County for her philanthropy, dedication, and commitment to children’s causes.
NMLS#: 434321
About Aashna Shahdadpuri
Aashna Shahdadpuri is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, she collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, she will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Aashna provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
She earned her undergraduate degree from Boston University and received the Financial Planning Specialist designation® from the College for Financial Planning. Aashna is originally from Dubai, U.A.E and currently resides in New York City.
She earned her undergraduate degree from Boston University and received the Financial Planning Specialist designation® from the College for Financial Planning. Aashna is originally from Dubai, U.A.E and currently resides in New York City.
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When 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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When 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.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
Article Image
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
Article Image
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
Article Image
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 J M Miller 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
4Morgan 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.
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.
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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
4Morgan 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.
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.
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)
