Michael O'Neill
Managing Director, Private Wealth Management, Private Wealth Advisor
Phone:
(202) 292-5470(202) 292-5470
Morgan Stanley Private Wealth Management
O'Neill - Nee Group
Direct:
(202) 292-5470(202) 292-5470
Our Mission Statement
Private Wealth Management is dedicated solely to the complex, multigenerational needs of ultra high net worth families, foundations and family offices.
Welcome
We are a Morgan Stanley Private Wealth Management team of experienced planning, investing and client service professionals who bring sophisticated perspective to our clients most complex financial challenges. We offer the objective and consultative approach of a boutique firm, coupled with access to the resources and institutional capabilities of a global financial services firm, to serve a clientele of highly accomplished individuals, their families, foundations and businesses. Our clients currently entrust us with over $3 billion in assets under management.
We take a holistic approach that is grounded in investment strategy, but covers virtually every aspect of your financial life: risk management, liabilities, trusts and estate structures and even family dynamics and lifestyle management issues. Our goal is to help preserve and grow your financial, family and social capital so that it can have the greatest positive impact today and for generations to come.
We take a holistic approach that is grounded in investment strategy, but covers virtually every aspect of your financial life: risk management, liabilities, trusts and estate structures and even family dynamics and lifestyle management issues. Our goal is to help preserve and grow your financial, family and social capital so that it can have the greatest positive impact today and for generations to come.
Capabilities
- Comprehensive Wealth Planning
- Investment Management
- Asset AllocationFootnote1
- Consolidated Reporting
- Cash Management & LendingFootnote2
- Single Family Office Services
- Private Investments
- Philanthropy Management
- Family Governance & Wealth Education
- Corporate Services
- Proprietary Investment Opportunities
- Securities Based LendingFootnote3
- Tax, Trust & Estate AdvisoryFootnote4
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
About PWM
Founded in 1977, Private Wealth Management is the division of Morgan Stanley Wealth Management that is dedicated to serving the firm’s most affluent clients, including some of the world’s most accomplished entrepreneurs, executives and stewards of multigenerational wealth. Functioning as an exclusive investment boutique within a global financial firm, we deliver sophisticated solutions that leverage the intellectual capital and insight of Morgan Stanley’s substantial global resources. Drawing on a deep understanding of your financial life, our goal is to help you:
- Manage investments with an unwavering focus on your financial strategy and personal goals
- Create comprehensive, multigenerational wealth management plans based on your needs, challenges and the values that guide your life and legacy
- Simplify financial complexity to help you achieve clarity and control
Private Wealth Management Highlights
- Approximately 350 teams1 specialized in assisting individuals and families with $20MM+ in investable assets
- Over $980 billion in AUM1
- Comprising 23% of the Barron’s Top 250 Private Wealth Management Teams for 2024
- Direct access to ultra high net worth experts in philanthropy, family dynamics, wealth transfer, lifestyle advisory and other areas of interest to ultra high net worth families
1 Morgan Stanley Wealth Management, December, 2024
Source: Barron's.com (May 2024) 2024 Barron's Top 250 Private Wealth Management Teams awarded in 2024. The teams are ranked on a variety of factors, including their size and shape, their regulatory records and credentials of their members, and the resources they have at their disposal to serve their client bases. The rankings are meant as a starting point for clients looking for an advisor—a first-pass vetting that can help investors narrow a search. Every advisor will have his or her own approach to investing, financial planning, and other services. Clients are encouraged to approach a search for an advisor the way they would a search for a doctor—interviewing multiple professionals and getting opinions from multiple third parties. Rankings are based on the opinions of Barron's and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
Approach
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Our Clients
Our clients are ultra-high net worth individuals and families that are committed to growing and preserving their legacy. We primarily work with entrepreneurs, business owners, and corporate executives and have the pleasure of working across multiple generations. We take pride in building long-term, life-enhancing relationships with our clients and maintaining a commitment to exceptional level of professionalism.
Awards
Michael O’Neill
Forbes' Best-in-State Advisors: 2018- 2021
Barron’s Top 1,200 Advisors: 2009-2021
Financial Times Top 400 Advisors: 2014 & 2017
Washingtonian Magazine Top Financial Advisors: 2012, 2014, 2016, 2018, 2019 and 2021.
2018-2021 Forbes Best-In- State Wealth Advisors
Source: Forbes.com 2018-2021. Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2009-2021 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com 2009-2021. Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
2014 & 2017 Financial Times 400 Top Financial Advisors
Source: ft.com. Data compiled by the Financial Times based the following time periods:
Awarded 2017; data 9/30/14 - 9/30/16
Awarded 2014; data 9/30/12 - 9/30/13
Barron’s Top 1,200 Advisors: 2009-2021
Financial Times Top 400 Advisors: 2014 & 2017
Washingtonian Magazine Top Financial Advisors: 2012, 2014, 2016, 2018, 2019 and 2021.
2018-2021 Forbes Best-In- State Wealth Advisors
Source: Forbes.com 2018-2021. Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2009-2021 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com 2009-2021. Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
2014 & 2017 Financial Times 400 Top Financial Advisors
Source: ft.com. Data compiled by the Financial Times based the following time periods:
Awarded 2017; data 9/30/14 - 9/30/16
Awarded 2014; data 9/30/12 - 9/30/13
Kevin Nee
Forbes' Top Next-Generation Wealth Advisor: 2017 & 2018
Forbes' Next Generation Best-In-State Wealth Advisor: 2019, 2020 & 2021
2017-2021 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com 2017-2021. Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Forbes' Next Generation Best-In-State Wealth Advisor: 2019, 2020 & 2021
2017-2021 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com 2017-2021. Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
What Advice Means to Us
The O’Neill-Nee Group is firmly committed to long-term relationships and strive to deliver high level client service. We strive to provide advice that empowers our clients to make informed investment decisions, address unique challenges, and help preserve and grow their wealth.
Location
1747 Pennsylvania Ave NW
Ste 700
Washington, DC 20006
US
Direct:
(202) 292-5470(202) 292-5470
Meet O'Neill - Nee Group
Kevin Nee
Executive Director, Private Wealth Management, Private Wealth Advisor
Phone:
(202) 292-5471(202) 292-5471
Ryan Maki, CFA, CFP®
Executive Director, Private Wealth Management, Financial Advisor
Phone:
(202) 292-5475(202) 292-5475
Matthew O'Neill
Financial Advisor
Phone:
(202) 292-5474(202) 292-5474
Francesca Zelachowski
Vice President, Group Director
Phone:
(202) 292-5476(202) 292-5476
Michael Hill
Portfolio Associate
Phone:
(202) 292-5473(202) 292-5473
Kevin Olswfski
Registered Service Associate
Phone:
(202) 292-5476(202) 292-5476
Wesley Hayward
Senior Registered Service Associate
Phone:
(202) 292-5495(202) 292-5495
About Michael O'Neill
Michael is a Managing Director, Wealth Management with Morgan Stanley’s Private Wealth Management division. He has been with Morgan Stanley since 1983. Michael has been nationally recognized by Forbes from 2018 - 2024 on their Best-in-State Advisors list and by Barron’s from 2009-2025 on their Top 1,200 Advisors list.
Michael is a board member of the Anti-Defamation League. He has served on Morgan Stanley’s Private Wealth Advisor Council and as a Trustee or Director with several Washington, DC based non-profit organizations.
Professional Details:
41 Years with Morgan Stanley
University of Delaware, B.A.
2018-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com 2018-2024. Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2009-2025 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com 2009-2024. Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Michael is a board member of the Anti-Defamation League. He has served on Morgan Stanley’s Private Wealth Advisor Council and as a Trustee or Director with several Washington, DC based non-profit organizations.
Professional Details:
41 Years with Morgan Stanley
University of Delaware, B.A.
2018-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com 2018-2024. Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2009-2025 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com 2009-2024. Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Securities Agent: SD, WV, ND, OK, PR, MT, NY, VA, SC, MI, MD, DE, CA, NV, NC, GA, IN, MS, WY, NE, HI, AR, VT, MO, AL, IA, OR, TN, WA, VI, TX, MA, OH, KY, CT, PA, CO, DC, RI, WI, FL, NJ, UT, LA, IL, AZ, MN, ID, AK, KS, ME, NH, NM; General Securities Representative; Investment Advisor Representative
NMLS#: 1262201
NMLS#: 1262201
About Kevin Nee
Kevin is a Executive Director, Private Wealth Advisor within Morgan Stanley’s Private Wealth Management division. He has been with Morgan Stanley since 2006. Kevin has been nationally recognized by Forbes in 2019, 2020 and 2021 as a Next Generation Best-In-State Wealth Advisor and in 2022, 2023 and 2024 as Best-In-State Advisor. Kevin lives in Northern Virginia with his wife and three children. He is an active supporter and member of the Cornell Lacrosse Alumni Association and enjoys coaching youth players in the area.
Professional Details and Designations:
19 Years with Morgan Stanley
Cornell University, B.S.
University of Maryland, M.B.A.
2019-2021 Forbes America’s Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com 2019-2021. Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
2022-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com 2018-2024. Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Professional Details and Designations:
19 Years with Morgan Stanley
Cornell University, B.S.
University of Maryland, M.B.A.
2019-2021 Forbes America’s Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com 2019-2021. Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
2022-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com 2018-2024. Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: IA, NM, SC, VA, MO, ND, UT, ME, MT, PR, MN, NE, WV, NH, VT, WI, NJ, DE, DC, IL, CA, WY, AR, KS, IN, ID, MS, HI, CT, MA, OH, TN, OK, AK, VI, TX, NC, MI, AZ, WA, PA, KY, NY, NV, LA, GA, CO, FL, MD, OR, RI, SD, AL; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1426083
NMLS#: 1426083
About Ryan Maki
Ryan Maki, CFA, CFP®, is an Executive Director and Investment Consultant for the O’Neill-Nee Group at Morgan Stanley. Prior to his current role, Ryan was the Chicago lead for the Morgan Stanley Institutional Equities Division for ten years, working with large asset managers in the Midwest. Before that, Ryan spent five years playing professional hockey in the Nashville Predators system as well as the top league in Germany. Ryan is a Harvard College graduate, having majored in economics and is both a CFA (Chartered Financial Analyst®) charterholder as well as a CFP® professional. Ryan also is involved in several charitable organizations in the Midwest.
Securities Agent: SD, DE, WI, TN, MT, OH, MS, FL, DC, CO, AZ, NE, NC, CT, AL, NM, NH, KY, ID, VI, PA, MN, MD, WV, NV, NJ, VA, MI, MA, LA, IL, IA, HI, CA, AK, WY, WA, UT, ND, ME, KS, AR, PR, OR, NY, MO, IN, VT, TX, SC, RI, OK, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 2720608
NMLS#: 2720608
About Matthew O'Neill
Matthew O’Neill is a Financial Advisor with Morgan Stanley's Wealth Management Division. Matthew provides tailored financial planning to our Next-Generation clientele. In addition, he is responsible for coordinating the teams use of the state of the art family office software, Addepar. Utilizing Addepar, Matthew assists the team in providing custom reports tailored to individual families needs. Matthew is a graduate of High Point University and has been with Morgan Stanley for 3 Years. He previously spent 4 years working at UBS Wealth Management.
Matthew and his wife Hailey live in Kensington Maryland. They enjoy spending time at the beach with family, traveling with friends and rooting for the Washington Commanders.
Matthew and his wife Hailey live in Kensington Maryland. They enjoy spending time at the beach with family, traveling with friends and rooting for the Washington Commanders.
Securities Agent: NV, NY, TN, TX, WV, UT, NM, GA, DC, MN, ME, AK, NH, IN, AR, IL, NC, RI, WA, OR, MI, LA, KY, WI, MS, ID, NE, ND, AL, VA, VI, AZ, HI, MO, OK, PR, SD, WY, VT, KS, MT, DE, FL, MD, OH, PA, CO, MA, CA, CT, IA, NJ, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 2626167
NMLS#: 2626167
About Francesca Zelachowski
Francesca has over 10 years of securities industry experience beginning her career at Goldman Sachs’ New York headquarters and joining Morgan Stanley Private Wealth Management in 2017. She is a first generation American with roots in Argentina and is proud to have preserved her Spanish fluency. Francesca strives to enhance the ultra-high net worth client experience through white glove service and the newest technology offerings. She obtained her Masters of Science in Finance from Georgetown University and her Bachelor of Science in Business from Babson College.
Francesca, her husband and three children live in Annapolis, Maryland enjoying all the Chesapeake Bay area has to offer.
Francesca, her husband and three children live in Annapolis, Maryland enjoying all the Chesapeake Bay area has to offer.
About Michael Hill
Michael Hill is a Portfolio Associate with Morgan Stanley's Private Wealth Management Division. Michael offers personalized service and operational support to the team. He works closely with the advisors to execute asset allocation strategies and helps deliver the firm’s capabilities to our clients. Michael is a graduate of West Virginia University and has been with Morgan Stanley for 13 Years.
About Kevin Olswfski
Kevin is a Registered Service Associate with Morgan Stanley Private Wealth Management division. Kevin joined Morgan Stanley in 2024, bringing a wealth of experience in providing client satisfaction. From mastering client service systems to navigating intricate requests, Kevin strives to deliver exceptional support to the team and clients. With a passion for service excellence, he thrives in providing clients tailored solutions and is committed to exceeding expectations. Kevin resides in Maryland with his wife and son, who all enjoy various sports and the outdoors.
About Wesley Hayward
Wesley Hayward is a Senior Registered Associate in Morgan Stanley’s Private Wealth Management Division. Wesley provides logistical support to the team and helps deliver the firm’s expertise to our clients. Wesley is a graduate of Manhattan College and has been with Morgan Stanley since 2018. In his free time, he enjoys playing tennis, reading, and walking his dog.
Contact Michael O'Neill
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Contact Ryan Maki
Contact Matthew O'Neill
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This is a video content
Managing Significant Wealth
- Investment Management
- Wealth Transfer & Philanthropy
- Cash Management & Lending
- Family Governance & Wealth Education
- Lifestyle Advisory
- Business Services
Insights and Outcomes
Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
Private Wealth Management Podcast
Bringing you engaging stories and key insights surrounding the complexities associated with significant wealth, including:
- Intergenerational Planning
- Philanthropic Giving
- Non-Traditional Assets
- Managing Family Wealth
We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
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.
1Asset Allocation does not assure a profit or protect against loss in declining financial markets.
2Morgan 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
3Borrowing against securities may not be appropriate for everyone. You should be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures below.
Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Important Risk Information for Securities Based Lending: You need to understand that: (1) Sufficient collateral must be maintained to support your loan(s) and to take future advances; (2) You may have to deposit additional cash or eligible securities on short notice; (3) Some or all of your securities may be sold without prior notice in order to maintain account equity at required maintenance levels. You will not be entitled to choose the securities that will be sold. These actions may interrupt your long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as “Morgan Stanley”) reserves the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase your collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason.
With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan.
4Morgan Stanley Smith Barney LLC and its affiliates and their employees (including Financial Advisors and Private Wealth Advisors) are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.
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.
Morgan 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.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
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
Awards Disclosures
1Asset Allocation does not assure a profit or protect against loss in declining financial markets.
2Morgan 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
3Borrowing against securities may not be appropriate for everyone. You should be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures below.
Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Important Risk Information for Securities Based Lending: You need to understand that: (1) Sufficient collateral must be maintained to support your loan(s) and to take future advances; (2) You may have to deposit additional cash or eligible securities on short notice; (3) Some or all of your securities may be sold without prior notice in order to maintain account equity at required maintenance levels. You will not be entitled to choose the securities that will be sold. These actions may interrupt your long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as “Morgan Stanley”) reserves the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase your collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason.
With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan.
4Morgan Stanley Smith Barney LLC and its affiliates and their employees (including Financial Advisors and Private Wealth Advisors) are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.
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.
Morgan 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.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
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
Awards Disclosures
CRC 4237142 (02/2025)
