Elizabeth Menteur
Private Banker
Patricia R Black
Executive Director,
Financial Advisor,
Family Wealth Advisor,
Senior Portfolio Management Director
Direct:
(315) 448-3373(315) 448-3373
Toll-Free:
(800) 755-5451(800) 755-5451
My Mission Statement
We endeavor to know and understand your financial situation and provide you with some of the highest quality information, services, and solutions to help you reach your goals.
Welcome!
Patty Black is an Executive Director, Portfolio Management Director, Senior Investment Management Consultant and Family Wealth Advisor at Morgan Stanley. She has 26 years of combined experience in the areas of investments, financial and retirement planning for individuals, business owners and institutions. After practicing as an accountant* for ten years, focusing on tax, compliance and management of qualified/non-qualified retirement plans, Patty joined Morgan Stanley and became an Investment Management Associate of the Morgan Stanley Consulting Group.
In 2003, Patty received her Financial Planning Specialist designation issued by the Certified Financial Planner Board of Standards, Inc. and in 2018 Patty earned the title of Family Wealth Advisor. Patty works closely with high-net-worth families and their children and parents, offering comprehensive estate planning strategies and wealth transfer considerations.
Patty is a graduate of Geneseo State College where she received her Bachelor of Science degree in Accounting. Her depth of knowledge in accounting and tax helps enable her to work with attorneys and accountants to coordinate their services when helping address estate planning issues or in the pursuit of tax efficient strategies. In addition to working with individuals, Patty services the needs of several foundations, endowments, and corporate pension plans.
Patty currently serves her community as a member of the Board of Directors for Crouse Hospital as well as a member of the Crouse Pension Committee. She also served as a former member of the Rescue Mission Planned Gift Committee and member of the Fayetteville Manlius Youth Recreation Committee and women’s basketball coach.
In 2022, Patty was awarded the title of Portfolio Management Director by Morgan Stanley.
From 2022-2024, Patty was named to the Forbes Best-In-State Wealth Advisors List.
In 2024, Patty was named to the Forbes Best-In-State Women Advisors List.
Patty lives in Fayetteville and has two children, Lauren and Matthew.
*Does not perform this function at Morgan Stanley
Disclosures:
2022-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2022-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2024 Forbes Best-In- State Women Advisors
(Source: Forbes.com (Awarded Feb 2024) Data compiled by SHOOK Research LLC for the period 9/30/22-9/30/23.)
In 2003, Patty received her Financial Planning Specialist designation issued by the Certified Financial Planner Board of Standards, Inc. and in 2018 Patty earned the title of Family Wealth Advisor. Patty works closely with high-net-worth families and their children and parents, offering comprehensive estate planning strategies and wealth transfer considerations.
Patty is a graduate of Geneseo State College where she received her Bachelor of Science degree in Accounting. Her depth of knowledge in accounting and tax helps enable her to work with attorneys and accountants to coordinate their services when helping address estate planning issues or in the pursuit of tax efficient strategies. In addition to working with individuals, Patty services the needs of several foundations, endowments, and corporate pension plans.
Patty currently serves her community as a member of the Board of Directors for Crouse Hospital as well as a member of the Crouse Pension Committee. She also served as a former member of the Rescue Mission Planned Gift Committee and member of the Fayetteville Manlius Youth Recreation Committee and women’s basketball coach.
In 2022, Patty was awarded the title of Portfolio Management Director by Morgan Stanley.
From 2022-2024, Patty was named to the Forbes Best-In-State Wealth Advisors List.
In 2024, Patty was named to the Forbes Best-In-State Women Advisors List.
Patty lives in Fayetteville and has two children, Lauren and Matthew.
*Does not perform this function at Morgan Stanley
Disclosures:
2022-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2022-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2024 Forbes Best-In- State Women Advisors
(Source: Forbes.com (Awarded Feb 2024) Data compiled by SHOOK Research LLC for the period 9/30/22-9/30/23.)
Services Include
Securities Agent: DC, CA, VT, TN, PA, OH, IL, VA, NH, LA, CT, SC, FL, CO, WA, RI, ME, MD, MA, TX, NJ, KS, AR, GA, NC, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1253181
NMLS#: 1253181
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Key Services
We provide a wide array of services centered on your financial goals. We believe that identifying financial solutions begins with a solid understanding of each clients' situation, goals, objectives, and risk tolerance.
Estate Planning Strategies
Everyone has a unique vision for their legacy. We can review your estate planning strategies in an effort to preserve, manage, and distribute your assets during and after your lifetime, while helping to minimize taxation. This can help to achieve your legacy and assist those you care about the most to preserve your wishes while also balancing the needs of your entire family. Connect with us to learn more about your options and next steps.
Learn More About Legacy & Estate Planning Strategies
Trust Services
Our corporate trustee partners have different administrative capabilities and service different types of trusts. This allows for a broad range of corporate trustee solutions that may help best fit your needs.
Learn More About Trust ServicesWorking With You
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your needs. In our experience working with clients, we have developed a step-by-step approach to service.
Step 1: Discovery Process
We take the time to fully understand you and your family - whether you're planning for retirement, purchasing a new home, or living out your golden years - we consider all of your challenges, goals, and aspirations when building your financial picture.
Step 2: Forming Your Strategy
Using your life goals as our compass, we create a risk-balanced strategy which maps a clear path to helping you achieve your success.
Step 3: Implementing Your Plan
We apply extensive research and analysis, and also utilize Morgan Stanley's full suite of resources, to ensure swift decisive action in all market scenarios.
Step 4: Measuring Your Success
We check in with you to deliver metrics around your portfolio, and measure trajectory towards your goals. Our ultimate mission is your success and well-being.
Investor Tools & Resources
Our comprehensive suite of digital tools and resources are designed to help enhance every aspect of your financial life. Below are a few of the technologies that we offer our clients.
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read The Latest GIC Weekly Research Report
On The Markets Monthly Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest On The Markets Monthly Research Report
Goals-Based Planning: Plan for Your Future
Using a suite of tools that includes goal-specific analysis, your Morgan Stanley Financial Advisor can help you achieve your financial goals. Together, you and your Financial Advisor can create a personalized and dynamic wealth management strategy to help you prepare for a successful financial future.
Learn More About Goals-Based Planning Here
LifeView® Financial Planning
LifeView® is a financial planning platform which will provide clients and prospects with comprehensive financial plans and financial goal analyses.
Learn More About LifeView® Financial Planning
Thoughts on the Market Podcasts
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest Thoughts on the Market Podcasts
Morgan Stanley Online (MSO)
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About Morgan Stanley Online (MSO)Important Tax Resources For You
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We want to provide our clients with as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
2025 Tax Tables
If you are interested in seeing the Tax Tables and other details for 2025, see all additional information here.
View The 2025 Tax Tables Here
Want to Keep More of Your Investment Returns? Consider These Tax Moves
Establishing a tax management strategy for your investments may help you keep more of your returns. By implementing tax-efficient strategies as part of your investment process you may increase potential portfolio returns and achieve your goals faster.
View The Tax Moves Your Should Consider
Tax-Smart Strategies for Retirement
Looking for ideas on how to be more tax-efficient when planning for your retirement? Smart tax planning can help you save more and keep more of what you’ve already saved. Consider these tax-efficient retirement planning strategies.
Read The Tax-Smart Strategies Here
Total Tax 365
Taxes act as a drag on your investment performance that can be heavier than any fee you pay. But they might also be the easiest to reduce, with the right strategies in place. Morgan Stanley Total Tax 365 offers a full spectrum of tax-efficient solutions to help mitigate the tax drag on your portfolio—so you can keep more of what you earn and improve after-tax returns.
Learn More About Total Tax 365Client Service Team
Matt Reilley - Financial Advisor
Phone:
(315) 448-3362(315) 448-3362
Email:Matt.Reilley@morganstanley.com
Matt Reilley began his career in the Financial Services Industry in 2017 at Morgan Stanley, where he became a fully licensed Financial Advisor. He then joined Robinhood Financial in 2019, where he focused on advising clients on effective stock option strategies. He rejoined Morgan Stanley in early 2022 to assist with the growth and client services of The Black Group.
Growing up in the family of a Financial Advisor, Matt was constantly learning and building enthusiasm for the markets. It was through his ongoing learning that Matt realized the importance of advising clients to help chart successful investing paths. Throughout his early career, all roads kept leading back to being an advisor. Few things in life are as important as how you manage your money. Bridging this gap and helping people to understand their financial journey is the principal reason Matt became a Financial Advisor.
Matt is excited to help deliver to the clients the benefits the team structure can bring – with expanded resources and better client coverage. His favorite parts of the business are helping guide all generations of a household to be able to get where they want to be financially and providing clients with the ability to realize their full financial potential.
Matt takes a 24/7 365 approach to clients’ money management needs and it is something he differentiates himself on. Understanding where a client wants to go in their financial path while encompassing their immediate needs, positions Matt and the team to help provide confidence. Matt is a resource who can support clients with important life decisions.
Matt is deeply committed to making a client’s financial journey frictionless while supplying them with the resources to navigate any situation. He is enthusiastic about educating the younger generation with topics surrounding money management solutions and opportunities, as well as navigating the various cash management and investment tools the firm offers.
Matt graduated from the University of Pittsburgh with a degree in Economics. He splits his time between Florida and New York and enjoys spending time with his niece, Mila, and his nephew, James. He is a fan of Pitt Sports, Golf, and being out on the water.
Securities Agent: KS, MD, LA, CT, PA, NJ, ME, CA, SC, IL, OH, AR, VT, RI, DC, CO, WA, NY, NH, TX, MA, GA, FL, VA, NC, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 2648665
Growing up in the family of a Financial Advisor, Matt was constantly learning and building enthusiasm for the markets. It was through his ongoing learning that Matt realized the importance of advising clients to help chart successful investing paths. Throughout his early career, all roads kept leading back to being an advisor. Few things in life are as important as how you manage your money. Bridging this gap and helping people to understand their financial journey is the principal reason Matt became a Financial Advisor.
Matt is excited to help deliver to the clients the benefits the team structure can bring – with expanded resources and better client coverage. His favorite parts of the business are helping guide all generations of a household to be able to get where they want to be financially and providing clients with the ability to realize their full financial potential.
Matt takes a 24/7 365 approach to clients’ money management needs and it is something he differentiates himself on. Understanding where a client wants to go in their financial path while encompassing their immediate needs, positions Matt and the team to help provide confidence. Matt is a resource who can support clients with important life decisions.
Matt is deeply committed to making a client’s financial journey frictionless while supplying them with the resources to navigate any situation. He is enthusiastic about educating the younger generation with topics surrounding money management solutions and opportunities, as well as navigating the various cash management and investment tools the firm offers.
Matt graduated from the University of Pittsburgh with a degree in Economics. He splits his time between Florida and New York and enjoys spending time with his niece, Mila, and his nephew, James. He is a fan of Pitt Sports, Golf, and being out on the water.
Securities Agent: KS, MD, LA, CT, PA, NJ, ME, CA, SC, IL, OH, AR, VT, RI, DC, CO, WA, NY, NH, TX, MA, GA, FL, VA, NC, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 2648665
Securities Agent: KS, MD, LA, CT, PA, NJ, ME, CA, SC, IL, OH, AR, VT, RI, DC, CO, WA, NY, NH, TX, MA, GA, FL, VA, NC, TN; General Securities Representative; Investment Advisor Representative
Katie Mathewson - Client Service Associate
Phone:
(315) 448-3303(315) 448-3303
Email:Katie.Mathewson@morganstanley.com
Katie is a Client Service Associate at Morgan Stanley. She began her career in July of 2017 as the Front Desk Receptionist. She received her Bachelor of Fine Arts in English from SUNY Cortland in 2007.
Prior to joining Morgan Stanley, she worked at Health Direct Institutional Pharmacy as a Pharmacy Technician, working her way up to Shift Supervisor in less than 2 years, and then six months later becoming Assistant Facility Manager. Simultaneously, Katie has held a secondary job working for a local event company as an Event Coordinator/DJ.
Katie is focused on the administrative component of The Black Group's practice, which includes servicing clients’ day to day financial needs, providing telephone coverage, and assisting with any operational questions or inquiries.
Katie was raised in Syracuse and still resides there. Her hobbies include reading, traveling, and baking. Any free time is spent with her son, her boyfriend, family & friends.
Prior to joining Morgan Stanley, she worked at Health Direct Institutional Pharmacy as a Pharmacy Technician, working her way up to Shift Supervisor in less than 2 years, and then six months later becoming Assistant Facility Manager. Simultaneously, Katie has held a secondary job working for a local event company as an Event Coordinator/DJ.
Katie is focused on the administrative component of The Black Group's practice, which includes servicing clients’ day to day financial needs, providing telephone coverage, and assisting with any operational questions or inquiries.
Katie was raised in Syracuse and still resides there. Her hobbies include reading, traveling, and baking. Any free time is spent with her son, her boyfriend, family & friends.
Location
250 So. Clinton St
Ste 500
Syracuse, NY 13202
US
Direct:
(315) 448-3373(315) 448-3373
Toll-Free:
(800) 755-5451(800) 755-5451
Fax:
(315) 464-3375(315) 464-3375
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
Emilio LaPietra, CFP®
Financial Planning Director, Vice President
Nancy H. Sheftic, CFP®
Financial Planning Director, Assistant Vice President
About Elizabeth Menteur
Elizabeth Menteur is a Private Banker serving Morgan Stanley Wealth Management offices in Wisconsin.
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.
Elizabeth began her career in financial services in 2013 and joined Morgan Stanley in 2017 as a Registered Support Professional. She was promoted to a Regional Client Engagement Associate in 2019. Before being promoted to Private Banker in 2023, Elizabeth joined the Private Banking Group as an Associate Private Banker in 2021.
Elizabeth is a graduate of Northeastern University, where she received a Bachelor of Science in Business Administration with a concentration in Finance and International Affairs and a Master of Business Administration with a concentration in Finance. She lives in Milwaukee, Wisconsin. Outside of the office, she volunteers with Invest in Girls and is a mentor and financial education coach for high school students. Elizabeth enjoys traveling, painting and gluten free baking.
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.
Elizabeth began her career in financial services in 2013 and joined Morgan Stanley in 2017 as a Registered Support Professional. She was promoted to a Regional Client Engagement Associate in 2019. Before being promoted to Private Banker in 2023, Elizabeth joined the Private Banking Group as an Associate Private Banker in 2021.
Elizabeth is a graduate of Northeastern University, where she received a Bachelor of Science in Business Administration with a concentration in Finance and International Affairs and a Master of Business Administration with a concentration in Finance. She lives in Milwaukee, Wisconsin. Outside of the office, she volunteers with Invest in Girls and is a mentor and financial education coach for high school students. Elizabeth enjoys traveling, painting and gluten free baking.
NMLS#: 2329114
About Emilio LaPietra
Emilio LaPietra is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Central Eastern New York. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Emilio began his career in financial services in 2010, and joined Morgan Stanley in 2020. Prior to his current position, he worked at Fidelity Investments.
Emilio graduated from The College of Saint Rose and holds his Certified Financial Planner® designation . He lives in Saratoga Springs, New York.
Emilio began his career in financial services in 2010, and joined Morgan Stanley in 2020. Prior to his current position, he worked at Fidelity Investments.
Emilio graduated from The College of Saint Rose and holds his Certified Financial Planner® designation . He lives in Saratoga Springs, New York.
About Nancy H. Sheftic
Nancy is an Assistant Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in upstate New York. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Nancy began her career in financial services in 2005, and joined Morgan Stanley in 2019. Prior to her current position, she was a Team Financial Advisor with Merrill Lynch.
Nancy graduated from Le Moyne College and holds her Certified Financial Planner®. Nancy holds the following registrations: Series 7, Series 63, Series 66 and Life and Health insurance licenses and is a Notary Public. She also holds a Master’s in Business Administration from Le Moyne College.
Nancy lives in Baldwinsville, NY with her husband Patrick and their two sons, Dean and Alex. In her spare time, she loves being outdoors, especially hiking and skiing. Nancy also believes strongly in women being financially empowered and is a member of Morgan Stanley’s Women in Wealth employee group as well as 100 Women Who Care CNY.
Nancy began her career in financial services in 2005, and joined Morgan Stanley in 2019. Prior to her current position, she was a Team Financial Advisor with Merrill Lynch.
Nancy graduated from Le Moyne College and holds her Certified Financial Planner®. Nancy holds the following registrations: Series 7, Series 63, Series 66 and Life and Health insurance licenses and is a Notary Public. She also holds a Master’s in Business Administration from Le Moyne College.
Nancy lives in Baldwinsville, NY with her husband Patrick and their two sons, Dean and Alex. In her spare time, she loves being outdoors, especially hiking and skiing. Nancy also believes strongly in women being financially empowered and is a member of Morgan Stanley’s Women in Wealth employee group as well as 100 Women Who Care CNY.
NMLS#: 1421563
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.
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.
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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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 Patricia R Black today.
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.
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.
4Morgan 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.
5Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley’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.
7An 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
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.
4Morgan 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.
5Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley’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.
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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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
