Ben Cucuzza
Private Banker
Pablo Gomez, MBA, CDFA®, CRPC®
Executive Director,
Financial Advisor,
Family Wealth Director,
Senior Portfolio Manager
Direct:
(281) 362-4781(281) 362-4781
Toll-Free:
(800) 422-5766(800) 422-5766
Industry Award WinnerMy Mission Statement
I help you see the opportunities, understand the risks, and begin to imagine all that lies ahead
2025 Message
Life Happens. Let’s Plan For It.
As a Financial Advisor with decades of experience, I believe great advice goes beyond numbers—it’s about helping people. Plain and simple. Whether you’re navigating growth as a business owner, redefining life after divorce, or planning for your family’s future, I’m here to help you tackle life’s “what ifs” with clear, purpose-driven strategies.
Guidance Backed By Experience
As one of only 5%* (As of Dec 2024) of Morgan Stanley advisors to hold the Family Wealth Director designation, I bring a distinctive focus on addressing the unique challenges and opportunities that come with managing significant wealth. I’m also proud to serve on Morgan Stanley’s National Financial Advisor Advisory Council—a group of just 16 financial advisors nationwide that collaborates with senior leadership to shape strategies that help make a difference for clients around the country.
A Process That Works For You
Financial decisions can be overwhelming, especially when emotions run high. My approach is simple: I help you remove the noise so you can see the bigger picture. Together, we’ll create a plan that helps balance opportunity and risk, all to help you step into your future with clarity.
A Track Record of Excellence
• Five Star Wealth Manager (2016–2025)
• Forbes Best-In-State Wealth Advisors (2022–2025)
• Forbes Next-Gen Wealth Advisors (2019)
What Matters Most
For decades, clients have entrusted me to help them reach their most important financial goals. It's a responsibility I treat with the utmost care and commitment. Day in and day out. I do this so you can focus on what really matters: living the life you’ve worked so hard to build.
2016-2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2016-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2016 Award - 11/30/2015 through 05/18/2016
2017 Award - 09/26/2016 through 04/28/2017
2018 Award - 10/24/2017 through 05/21/2018
2019 Award - 10/22/2018 through 05/3/2019
2020 Award - 10/7/2019 through 04/24/2020
2021 Award - 09/21/2020 through 04/30/2021
2022 Award - 09/20/2021 through 04/8/2022
2023 Award-10/10/2022 through 05/05/2023
2024 Award-10/10/2023 through 8/26/2024
Forbes Best-In-State Wealth Advisors
2022-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Top Next-Gen Wealth Advisors
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
As a Financial Advisor with decades of experience, I believe great advice goes beyond numbers—it’s about helping people. Plain and simple. Whether you’re navigating growth as a business owner, redefining life after divorce, or planning for your family’s future, I’m here to help you tackle life’s “what ifs” with clear, purpose-driven strategies.
Guidance Backed By Experience
As one of only 5%* (As of Dec 2024) of Morgan Stanley advisors to hold the Family Wealth Director designation, I bring a distinctive focus on addressing the unique challenges and opportunities that come with managing significant wealth. I’m also proud to serve on Morgan Stanley’s National Financial Advisor Advisory Council—a group of just 16 financial advisors nationwide that collaborates with senior leadership to shape strategies that help make a difference for clients around the country.
A Process That Works For You
Financial decisions can be overwhelming, especially when emotions run high. My approach is simple: I help you remove the noise so you can see the bigger picture. Together, we’ll create a plan that helps balance opportunity and risk, all to help you step into your future with clarity.
A Track Record of Excellence
• Five Star Wealth Manager (2016–2025)
• Forbes Best-In-State Wealth Advisors (2022–2025)
• Forbes Next-Gen Wealth Advisors (2019)
What Matters Most
For decades, clients have entrusted me to help them reach their most important financial goals. It's a responsibility I treat with the utmost care and commitment. Day in and day out. I do this so you can focus on what really matters: living the life you’ve worked so hard to build.
2016-2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2016-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2016 Award - 11/30/2015 through 05/18/2016
2017 Award - 09/26/2016 through 04/28/2017
2018 Award - 10/24/2017 through 05/21/2018
2019 Award - 10/22/2018 through 05/3/2019
2020 Award - 10/7/2019 through 04/24/2020
2021 Award - 09/21/2020 through 04/30/2021
2022 Award - 09/20/2021 through 04/8/2022
2023 Award-10/10/2022 through 05/05/2023
2024 Award-10/10/2023 through 8/26/2024
Forbes Best-In-State Wealth Advisors
2022-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Top Next-Gen Wealth Advisors
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
Services Include
Securities Agent: OK, NH, GA, NM, CO, WA, NJ, LA, FL, WY, MD, KY, NY, MT, AR, SD, OR, IN, ID, SC, KS, CA, OH, HI, NC, MO, IL, AL, MS, MA, AZ, WI, TX; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288114
NMLS#: 1288114
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Improving Your Performance
I leverage our unique position and our affiliates to source innovative strategies from among the most knowledgeable investment minds in the business. Employing rigorous due diligence to identify, evaluate and select each alternative investment product on our platform, I work to identify the managers that I believe are highly qualified to help my clients meet their objectives. Your choices will depend on your goals, objectives and risk tolerance.
Investment Philosophy
Building wealth isn’t about taking shortcuts. It’s about making smart, calculated decisions that help balance stability and growth. My philosophy centers around creating a responsive—and responsible—strategy: one that helps account for your unique financial goals AND the shifting opportunities and challenges of the market.
Asset Allocation
Smart investing starts with smart asset allocation. Leveraging my deep experience and Morgan Stanley’s leading research and advanced modeling tools, I help tailor your allocation strategy to your unique goals, risk tolerance, and time horizon—helping to craft portfolio built for long-term resilience.
The Power of Compounding
If you could fold a one millimeter piece of paper in half fifty times, it would be approximately 71 million miles thick. That’s the power of compounding, and I believe it’s the engine that drives long-term investment growth. My goal is to help position your portfolio to harness this power, reinvesting gains where appropriate so that your money can potentially work even harder for you and your family’s future.
Together, we answer questions that may seem daunting:
- Do I have enough money to live for 20 years or more in retirement?
- How is it possible to generate enough income with low interest rates?
- What can I expect for inflation?
- Can my portfolio weather a market downturn?
- Are my assets protected if something unexpected happens?
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Some of the areas where I apply my advanced knowledge on your behalf include:
Asset Allocation
Smart investing starts with smart asset allocation. Leveraging my deep experience and Morgan Stanley’s leading research and advanced modeling tools, I help tailor your allocation strategy to your unique goals, risk tolerance, and time horizon—helping to craft portfolio built for long-term resilience.
The Power of Compounding
If you could fold a one millimeter piece of paper in half fifty times, it would be approximately 71 million miles thick. That’s the power of compounding, and I believe it’s the engine that drives long-term investment growth. My goal is to help position your portfolio to harness this power, reinvesting gains where appropriate so that your money can potentially work even harder for you and your family’s future.
Together, we answer questions that may seem daunting:
- Do I have enough money to live for 20 years or more in retirement?
- How is it possible to generate enough income with low interest rates?
- What can I expect for inflation?
- Can my portfolio weather a market downturn?
- Are my assets protected if something unexpected happens?
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Some of the areas where I apply my advanced knowledge on your behalf include:
Investment Management
You can rely on me to design holistic and strategic financial plans that match your family’s goals.
Retirement Planning
I will help you develop and implement a strategy that encompasses your needs before, during and after you retire and is based on your personal vision of retirement.
Pre - and Post - Divorce Planning
I’ll help you identify financial issues and consequences, as well as define your potential choices.
Managing Your Liquidity Needs
I’ll keep an eye on your cash flow needs as your goals and finances evolve.
Trust, Estate & Legacy Planning
I’ll help you implement your plan for passing on your assets in a way that honors your values as well as your financial commitments.
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.
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.
Education Planning & Family Concerns
I’ll make a plan for the education and well-being of your children or grandchildren, as well as your parents or other relatives who might need assistance now or in the future.
Life Insurance and Long Term Care
I want to make sure your family is protected during difficult times.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Defining The Next Steps
Divorce can feel overwhelming, but you don’t have to navigate it alone. I believe every individual going through this process deserves a true advocate—someone who not only understands but actively works to protect your financial well-being. Your future matters, and my role is to help ensure it’s built on a solid foundation. As your financial advocate, I help you understand the financial issues in clear terms so that you can make smart decisions about your financial future.
As a Certified Divorce Financial Analyst®, I provide the financial guidance necessary to help you and your attorney:
- Understand key issues
- Develop creative settlement solutions
- Evaluate the short and long-term financial impact the settlement will have on you.
Once a divorce is complete, we’ll explore your new goals together and work to find ways to make them happen financially. You’ll find reassurance in the financially planning process as we strategize about:
- Budgeting
- Retirement planning
- Asset protection and insurance
- Estate planning Strategies
- Investments
- College savings
Take a deep breath. Every decision that you’re asked to make during the divorce process can seem to have the potential for life changing impact. But, my many years of experience ensures you have a trusted advisor to lean on for clear thinking, perspective and guidance towards a future that makes sense to you.
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.
As a Certified Divorce Financial Analyst®, I provide the financial guidance necessary to help you and your attorney:
- Understand key issues
- Develop creative settlement solutions
- Evaluate the short and long-term financial impact the settlement will have on you.
Once a divorce is complete, we’ll explore your new goals together and work to find ways to make them happen financially. You’ll find reassurance in the financially planning process as we strategize about:
- Budgeting
- Retirement planning
- Asset protection and insurance
- Estate planning Strategies
- Investments
- College savings
Take a deep breath. Every decision that you’re asked to make during the divorce process can seem to have the potential for life changing impact. But, my many years of experience ensures you have a trusted advisor to lean on for clear thinking, perspective and guidance towards a future that makes sense to you.
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.
Latest Webcasts
With the ever changing world of finance, people are looking for reliable resources to help them navigate through all the turbulence happening in the markets. After many inquiries and requests, I have started to put out videos on various topics of interest. These videos are a way for me to communicate and simplify complex financial themes to not only my clients, but for the everyday investor to understand what is happening in our economy and how to respond effectively.
Enjoy the videos and feel free to reach out to me if you have any questions or specific topics you would like me to cover,
Enjoy the videos and feel free to reach out to me if you have any questions or specific topics you would like me to cover,
Yield Curve Inversions And What They Mean To You
In this video I discuss the yield curve inversion and the impacts it can have in investing. Does this mean a recession is coming? Are equities in trouble? What should you do as an investor? I answer all the latest questions in this video.
Click Here To Watch The Video
The Power Of Compounding Explained
In this video, I go over why the concept of compounding interest is undervalued and how it can be the key to growing wealth over longer periods of time.
Click Here To Watch The Video
Market Corrections: Frightening But Normal
The market has had a rough start to 2022 with the S&P 500 having the worst start of the year since 1939. This video stresses why it's important to keep the historical context of corrections when events like these happen.
Click Here To Watch The Video
Secular Bull Market
Exploring the Secular Bull Market: In this video, I share insights on the current state of the market, what the secular market looks like, and what investors should pay attention to moving forward.
Click Here To Watch The Video
What is ChatGPT?
Watch this video to explore the capabilities and implications of ChatGPT, an advanced artificial intelligence language model created by OpenAI.
Click Here To Watch The Video
6 Reasons To Consider A Roth Conversion
Check out this video that outlines the advantages of converting a traditional retirement account to a Roth IRA.
Click Here To Watch The VideoLocation
24 Waterway Ave
Ste 600
The Woodlands, TX 77380
US
Direct:
(281) 362-4781(281) 362-4781
Toll-Free:
(800) 422-5766(800) 422-5766
Fax:
(281) 362-4747(281) 362-4747
Hear From My Clients
Pablo Gomez has been and continues be, an invaluable asset in managing our wealth. We continue to meet and exceed our financial goals while maintaining a blessed lifestyle in retirement. We look to Pablo's guidance on all aspects of financial planning and have come to expect his unique understanding of our needs, while continually matching them with diversified investment opportunities.
Harry & Amber
Verified ClientAugust 31, 2024
Mr. Gomez is always very thorough in all his transactions with me as well as actively available and easy to communicate with. This is very important to me to know I can get answers precisely and quickly. If I have any questions about a transaction he is quick to explain so I have a full understanding. I recently obtained a home loan via Morgan Stanley and he and his team were there every step of the way to walk me through and assist me to complete my new home purchase.
Lisa
Verified ClientAugust 31, 2024
Trust is the most important quality in hiring a financial advisor. Pablo Gomez exceeds that qualification. His guidance, knowledge, patience and caring nature has given me and my family complete confidence in him handling all our financial transactions. We feel like he is part of our family and a blessing to our lives.
Mary Ann
Verified ClientAugust 31, 2024
Testimonial(s) are solicited by Morgan Stanley Wealth Management Canada and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
3846129 9/24
Awards and Recognition
Forbes Best-In-State Wealth Advisors
Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24.
Forbes Best-In-State Wealth Advisors
Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC for the period 6/30/22 - 6/30/23
Forbes Best-In-State Wealth Advisors
Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC for the period from 6/30/21 - 6/30/22.
Forbes Best-In-State Wealth Advisors
Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Forbes Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
5
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
About Ben Cucuzza
Ben Cucuzza is a Private Banker serving Morgan Stanley Wealth Management offices in Texas.
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.
Ben began his career in financial services in 2005 and joined Morgan Stanley in 2022. Prior to joining the firm, he was an Affluent Segment Leader at Wells Fargo Bank, N.A.
Ben is a graduate of the University of Georgia, where he received a Bachelor of Business Administration in Marketing. He lives in Houston, Texas with his family. Outside of the office, Ben is involved with the Junior Achievement as well as the Big Brothers Big Sisters program. He also enjoys fishing, sports, and watching the Georgia Bulldogs.
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.
Ben began his career in financial services in 2005 and joined Morgan Stanley in 2022. Prior to joining the firm, he was an Affluent Segment Leader at Wells Fargo Bank, N.A.
Ben is a graduate of the University of Georgia, where he received a Bachelor of Business Administration in Marketing. He lives in Houston, Texas with his family. Outside of the office, Ben is involved with the Junior Achievement as well as the Big Brothers Big Sisters program. He also enjoys fishing, sports, and watching the Georgia Bulldogs.
NMLS#: 703137
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and 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
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
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
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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
Rational Investing in an Age of Uncertainty
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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
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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
Ready to start a conversation? Contact Pablo Gomez, MBA 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, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4Alternative 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
8Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
9Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4Alternative 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
8Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
9Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
