Cynthia Lemus
Senior Client Service Associate
Phone:
(818) 713-4737(818) 713-4737
Patrick Lowe
Executive Director,
Financial Advisor,
Senior Portfolio Manager,
Global Sports and Entertainment Director,
Alternative Investments Director
Direct:
(818) 713-4753(818) 713-4753
Industry Award WinnerMy Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
My Story and Services
Patrick Lowe is an Executive Director, Financial Advisor, Senior Portfolio Manager, Global Sports and Entertainment Director, and Alternative Investments Director. He brings more than 25 years of experience advising ultra-high-net-worth individuals, families, and institutions — including athletes, entertainers, entrepreneurs, hospital foundations, and nonprofit organizations.
After beginning his career at Salomon Smith Barney, Patrick went on to join UBS, Merrill Lynch, and Wells Fargo before returning to the Morgan Stanley platform. At the firm, Patrick earned the elite title of Global Sports and Entertainment Director — reflecting the depth of his experience and understanding of the unique challenges clients face when managing significant wealth and narrow windows for earnings. Over the years, his dedication to client success has earned him national recognition, including being named to the Forbes Best-In-State Wealth Advisors list in 2021, 2022, 2024, 2025, and 2026.
As a Senior Portfolio Manager, Patrick focuses on a discretionary investment strategy; delivering bespoke, tax-aware portfolios designed to evolve alongside the needs of each client. His broad proficiency spans the nuanced financial lives of ultra-high-net-worth individuals and families — particularly those with complex balance sheets or concentrated, unpredictable income streams, such as professional athletes, entertainers, and entrepreneurs. As an Alternative Investments Director, Patrick provides eligible individuals and institutions access to world-class investment strategies spanning private equity, real assets, private credit, hedge funds, and digital assets. Blending disciplined portfolio construction with advanced planning around retirement income, liquidity, insurance, and philanthropy — he and the team help manage risk and grow wealth with purpose over many decades and multiple generations.
Outside the office, Patrick channels his drive into endurance sports, scuba diving, and photography — and he's never far from a bass guitar. A man of faith and service, Patrick volunteers through his local church and supports a variety of Southern California causes alongside Charlie. Together, they live in California with their two sons, Brandon and Matt.
2024 - 2026 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024, 2025, 2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award. For criteria & methodology, go to (https://www.morganstanley.com/disclosures/awards-disclosure)
2021, 2022, 2024, 2025, 2026 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2021, 2022, 2024, 2025, 2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in June of year prior to the issuance of the award. For criteria & methodology, go to (https://www.morganstanley.com/disclosures/awards-disclosure)
Services Include
- Professional Portfolio ManagementFootnote1
- Financial PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Retirement PlanningFootnote4
- Philanthropic ManagementFootnote5
- Planning for Education FundingFootnote6
- Cash Management and Lending ProductsFootnote7
- Alternative InvestmentsFootnote8
- Business Succession PlanningFootnote9
Securities Agent: IN, IL, IA, NY, NC, ME, ID, DE, AR, WV, VA, SD, RI, PR, NM, NH, HI, AK, NV, MA, LA, FL, CO, OH, TX, MS, MI, DC, VT, UT, NE, MO, WI, NJ, MD, KS, WY, TN, PA, GA, CT, CA, AL, WA, SC, OR, OK, MT, MN, AZ, ND, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 557649
CA Insurance License #: 557649
NMLS#: 557649
CA Insurance License #: 557649
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Forbes Best-In-State Wealth Advisors 2021, 2022, 2024, 2025, 2026
Source: Forbes.com (Awarded 2021, 2022, 2024, 2025, 2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award. (https://www.morganstanley.com/disclosures/awards-disclosure)
Forbes Best-In-State Wealth Management Teams 2024, 2025, & 2026
Source: Forbes.com (Awarded 2024, 2025, 2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award. (https://www.morganstanley.com/disclosures/awards-disclosure)
Senior Portfolio Manager
As a Senior Portfolio Manager, Patrick studies trends and developments that shape the investment environment, drive the economy and impact portfolio performance. He conducts initial and ongoing in-depth interviews with clients regarding the complications they face, their objectives, and their willingness to deal with market fluctuations, and then crafts and manages bespoke discretionary portfolios for them, based on those interviews.
Global Sports and Entertainment Director
Global Sports and Entertainment Directors, chosen for their advanced experience working within very specific fields. They understand the total financial picture and craft creative financial strategies that account for the unique challenges and dynamics of our clients’ careers. As Global Sports and Entertainment Directors, Patrick and Charlie have the dedicated experience, continuing education and access to world-class resources needed to understand the complexities and pressures facing high-achieving professionals in the entertainment and sport industries, and to help them make smart choices about how they save, spend, invest, borrow, preserve and give.
Alternative Investments Director
As an Alternative Investments Director, Patrick Lowe provides eligible individuals and institutions access to world-class investment strategies spanning private equity, real assets, private credit, hedge funds, and digital assets. The Alternative Investments Director designation honors Morgan Stanley's Financial Advisors who have significant experience in alternative investments and meet the program's rigorous standards.
Patrick Lowe Named to Master's Club at Morgan Stanley Wealth Management 2026
The Firm's prestigious Master's Club is an elite group composed of the Firm's top 1,150 Financial Advisors. The appointment recognizes Patrick's consistent creativity and excellence in providing a wide range of investment products and wealth management services to their clients.
A Commitment to Preserving and Growing Family Legacies
At the heart of our practice is a deep commitment to preserving and growing family legacies. As a family team ourselves, we bring a personal understanding to the importance of aligning generations and values in the stewardship of wealth.
A Unified Vision.
No legacy is built in one generation. That’s why we work with you and your family to create a Family Mission Statement — a living document that reflects your core values and long-term goals. Reassessed annually, it helps reduce conflict, streamline decision-making, and unify your family’s wealth strategy.
Beyond the Basics.
Our services go far beyond investment management. From tax optimization and estate planning to business succession and philanthropic efforts, we leverage Morgan Stanley’s Family Office resources, offering bespoke solutions such as trusts, foundations, and tailored lending strategies to ensure wealth preservation and growth.
Facilitating Strategic Family Dialogue.
We understand that family wealth can be emotionally complex. Our role is to facilitate open, honest conversations around wealth transfer, governance, and legacy. Over the years, we’ve served in many different capacities — and hosted many family board meetings — to help ensure sensitive topics are addressed thoughtfully and with care.
Education is the Cornerstone of Lasting Wealth.
We believe multigenerational success isn't just about passing down assets — it’s about helping future generations prepare to manage it responsibly. Through personal conversations and financial education, we help empower the next generation to become informed stewards of your wealth.
Case Study 1: Turning Concentration into Opportunity
A client approached us with a highly appreciated stock position they had held for years — a source of pride, but also a major tax challenge. They were philanthropic by nature, but also looking for steady income. To help meet both goals, we introduced a solution that helped them reduce their tax liability and generate income over time — all while supporting causes they care deeply about. The result was a tax-efficient strategy that helped transform a legacy position into a long-term giving and income vehicle.
Case Study 2: A Smarter Way to Help Reduce Taxes and Reframe Insurance
A client came to us with a portfolio rich in unrealized gains and a suite of outdated strategies originally intended for tax-efficiency. With regulations and needs having shifted, we got to work. We helped craft a targeted tax strategy to that sought to offset portfolio gains while preserving portfolio balance. Then, we helped adjust their planning to better address current priorities — shifting focus from outdated objectives to more relevant goals like long-term care and wealth preservation. Together, these moves not only helped improve their tax efficiency, but helped align their plan with current needs and goals.
Case Study 3: Navigating a Business Sale. And Everything That Comes With It.
For one of our clients, a significant financial transition marked the beginning of a new chapter for the entire family. We worked closely with the client, their partners, and Morgan Stanley’s specialists to help craft a seamless strategy for managing the event. But the work didn’t stop there. Because the transition created a host of complex family needs — from charitable giving to lending solutions. With multiple generations involved, we helped unify the family’s financial picture, hosting board-style family meetings that helped set the stage for a lasting family legacy.
UNDERSTAND, ADVISE, DELIVER... SUCCEED
As Global Sports and Entertainment Directors, Patrick Lowe has the dedicated experience, continuing education and access to world-class resources needed to understand the complexities and pressures facing high-achieving professionals in the sport and entertainment industries, and to help them make smart choices about how they save, spend, invest, borrow, preserve and give.
Built for the Big Stage.
We work with professionals who perform at the highest level — on the court, on camera, in the studio, and in the boardroom. As a Morgan Stanley Global Sports & Entertainment Director, Patrick is deeply attuned to the unique financial demands that come with fame, fluctuating income, and fast-paced careers. Our job is to help turn peak earning years into a foundation for long-term, multigenerational wealth.
Where Star Power Meets Staying Power.
Sudden wealth, compressed earning windows, and high public visibility demand a disciplined, discreet, and highly customized approach. That's why we build sophisticated strategies around your career arc — incorporating tax mitigation, insurance planning, real estate lending, and private investments — to help you preserve what you've earned and prepare for what's next.
Your Inner Circle, Aligned.
We understand the importance of collaboration. That's why we coordinate closely with agents, attorneys, and business managers to help ensure your financial life is integrated and intentional — not just reactive. We're here to help protect your future.
From Center Stage to Stewardship.
Whether you're signing your first deal or launching a business empire, we bring the full power of Morgan Stanley's Global Sports & entertainment platform to your side — with the resources, relationships, and rigor to support you at every step.
Location
2829 Townsgate Rd
Ste 200
Westlake Village, CA 91361
US
Direct:
(818) 713-4753(818) 713-4753
Meet My Team
Stephanie Krueger
Portfolio Associate, Financial Planning Specialist
Phone:
(818) 713-4790(818) 713-4790
Mark Drabkin
Registered Client Service Associate
Phone:
(818) 713-4707(818) 713-4707
About Cynthia Lemus
Cynthia Lemus is a Senior Client Service. With more than two decades of experience in the financial services industry—most of it at Morgan Stanley—Cynthia plays a pivotal role in delivering the team’s signature white-glove service to a select group of ultra-high-net-worth families, entrepreneurs, and entertainers.
Cynthia began her career in 1998 at Smith Barney. Over the years, she has also held roles at Well Fargo before joining Morgan Stanley. Her depth of experience across both client service and operational support makes her an invaluable resource to clients and colleagues alike.
As a trusted point of contact, Cynthia combines professionalism and empathy to provide an exceptional client experience at every turn. She supports a wide range of critical needs, including account openings, transfers, reporting, and time-sensitive inquiries. Known for her responsiveness and attention to detail, she brings a calm, solutions-oriented approach to even the most complex service requests — helping ensure clients feel cared for and connected.
Outside the office, Cynthia is just as committed to showing up for the people around her. As a mother of two and stepmother of six, she’s a natural listener and multitasker — skills that translate seamlessly into her work. Whether she’s managing logistics behind the scenes or guiding clients through a time-sensitive need, Cynthia brings a rare blend of heart, precision, and professionalism to everything she does.
Cynthia began her career in 1998 at Smith Barney. Over the years, she has also held roles at Well Fargo before joining Morgan Stanley. Her depth of experience across both client service and operational support makes her an invaluable resource to clients and colleagues alike.
As a trusted point of contact, Cynthia combines professionalism and empathy to provide an exceptional client experience at every turn. She supports a wide range of critical needs, including account openings, transfers, reporting, and time-sensitive inquiries. Known for her responsiveness and attention to detail, she brings a calm, solutions-oriented approach to even the most complex service requests — helping ensure clients feel cared for and connected.
Outside the office, Cynthia is just as committed to showing up for the people around her. As a mother of two and stepmother of six, she’s a natural listener and multitasker — skills that translate seamlessly into her work. Whether she’s managing logistics behind the scenes or guiding clients through a time-sensitive need, Cynthia brings a rare blend of heart, precision, and professionalism to everything she does.
About Stephanie Krueger
Stephanie Krueger is a Portfolio Associate and Financial Planning Specialist. Since joining the firm in 2017, she has focused on delivering thoughtful, responsive service while helping clients feel empowered and informed throughout their financial journey.
Prior to joining Morgan Stanley, Stephanie earned her Bachelor’s degree from the University of California, Santa Barbara. She also brings a background in operations management, where she developed her strong foundation in process optimization, team collaboration, and systems oversight—skills that continue to influence her client service approach today. She holds both the Series 7 and Series 66 licenses and actively engages in the firm’s professional development and strategic training initiatives.
Stephanie plays a key role in deepening client relationships and supporting the overall planning and investment efforts. She partners closely with the team’s Financial Advisors to help execute client service strategies and ensure a consistent, high-touch experience. Whether she’s assisting with account management, onboarding new clients, or preparing reports and planning materials, Stephanie brings a meticulous attention to detail and a sincere commitment to excellence.
Outside the office, Stephanie is an avid traveler who finds joy in exploring new places — especially those with breathtaking outdoor views. A lifelong learner, she’s always up for a great book, and has recently discovered a love for wine tasting, which she enjoys sharing with friends and family.
Prior to joining Morgan Stanley, Stephanie earned her Bachelor’s degree from the University of California, Santa Barbara. She also brings a background in operations management, where she developed her strong foundation in process optimization, team collaboration, and systems oversight—skills that continue to influence her client service approach today. She holds both the Series 7 and Series 66 licenses and actively engages in the firm’s professional development and strategic training initiatives.
Stephanie plays a key role in deepening client relationships and supporting the overall planning and investment efforts. She partners closely with the team’s Financial Advisors to help execute client service strategies and ensure a consistent, high-touch experience. Whether she’s assisting with account management, onboarding new clients, or preparing reports and planning materials, Stephanie brings a meticulous attention to detail and a sincere commitment to excellence.
Outside the office, Stephanie is an avid traveler who finds joy in exploring new places — especially those with breathtaking outdoor views. A lifelong learner, she’s always up for a great book, and has recently discovered a love for wine tasting, which she enjoys sharing with friends and family.
About Mark Drabkin
Mark began his journey with us as an intern in January 2025 and has since progressed into the Registered Client Service Associate Role. As a Client Service Associate, Mark provides comprehensive support to meet key client needs, ensuring an outstanding experience. Mark assists clients with account openings, transfers, reporting, and time-sensitive inquiries.
Mark graduated from UCLA in June of 2025 with a degree in Economics and a minor in accounting. He has also successfully obtained both the Series 7 and 66 licenses, which further enhances his ability to serve our clients effectively.
Outside of work, Mark enjoys traveling, spending time with friends and family, and watching his favorite sports teams - especially the LA Kings and Chicago Bears.
Mark graduated from UCLA in June of 2025 with a degree in Economics and a minor in accounting. He has also successfully obtained both the Series 7 and 66 licenses, which further enhances his ability to serve our clients effectively.
Outside of work, Mark enjoys traveling, spending time with friends and family, and watching his favorite sports teams - especially the LA Kings and Chicago Bears.
Awards and Recognition
Forbes Best-In-State Wealth Advisors
2021-2022, 2024-2026 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2021-2022, 2024-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Best-In-State Wealth Management Teams
2024-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2
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
Iran Conflict: Seven Takeaways for Investors
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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
Article Image
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
Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
Ready to start a conversation? Contact Patrick Lowe today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Products 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.
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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Morgan 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
8Alternative 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Products 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.
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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Morgan 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
8Alternative 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
