Megan Cornille
Private Banker
Paul Babaran
Senior Vice President, Wealth Management,
Financial Advisor,
Financial Planning Specialist
Direct:
(949) 955-7850(949) 955-7850
Industry Award WinnerMy Mission Statement
Our mission is to provide strategic wealth advice to a a select group of high-net-worth individuals and families seeking to build, preserve, and transfer lasting wealth
About Our Practice
Paul Babaran - Forbes Best-In-State Next-Gen Wealth Advisors - 2025
Paul is a Senior Vice President and Financial Advisor at Morgan Stanley Wealth Management, where he leads a wealth management practice dedicated to advising a select group of successful professionals, retirees, and families seeking thoughtful guidance on building, growing, and preserving long-term wealth.
The practice is built on a disciplined approach to planning, investment stratey, and on going guidance. Clients benefit not only from personalized advice, but also from access to the broader capabilities of Morgan Stanley including institutional research, a global investment platform, and a network of specialists accross, tax, estate, private banking, and alternative investments - bringing institutional level resources to a highly personalized experience.
At the core of his practice is a commitment to understanding each client's unique financial picture, priorities, and long-term vision. This deeper understanding brings clarity and direction, allowing clients to make thoughtful financial decisions with greater confidence.
Honors & Recognition
Paul has been recognized as a Forbes Best-In-State Next-Generation Wealth Advisor (2025) and is a member of Morgan Stanley's prestigious Masters Club - recognizing his consistent commitment to delivering thoughtful advice and long-term value to the clients he serves.
Our Philosophy
We believe wealth management extends far beyond investment selection - it is a disciplined, ongoing process built on clarity, structure, and trust. It begins with a deep understanding of each client's objectives and is executed through a clearly defined plan- because meaningful outcomes are driven by thoughtful planning, not reaction.
Our philosophy is guided by a defined set of core principles:
- We treat wealth as a system - every decision serves a broader purpose
- Structure drives outcomes - disciplined planning creates better results
- Prudent Execution - disciplined, intentional implementation
- Strategies evolve - strategies evolve as life, markets, and priorities change
- Consistent Communication - ongoing, proactive engagement at every stage
Professional Background
Paul brings over a decade of experience in wealth management, advising high-net-worth individuals families on investment strategy, retirement planning, and long-term wealth preservation.
Prior to rejoining Morgan Stanley in 2018, Paul was a Financial Advisor at Wells Fargo Advisors in Downtown Los Angeles, where he worked with high net worth families and individuals in developing tailored investment plans and strategies.
He began his career at UBS, where he developed an expertise in retirement planning. He later worked at Morgan Stanley for two years as the South Coast Complex Financial Planning Specialist, working on more than 800 customized financial plans for high net worth clients.
When Paul first joined Morgan Stanley, he was among a select group of Wealth Advisors Associates hired to become knowledgeable in Morgan Stanley's "Lifeview" financial planning system.
Education & Licenses
Paul earned a BA in Finance from California State University Fullerton and holds his Series 7 & 66 securities licenses, California Life & Health insurance license(#0M47053), and NMLS license (#1820861).
Personal
Born in the Philippines and raised in the Greater Philadelphia Area, Paul is an avid Philadelphia sports fan. Paul has lived in the city of Orange since moving to California in 2009 and enjoys being outdoors. When he's away from the office, Paul enjoys traveling, cooking, and spending time with family and friends. In his free time, you can find him staying active outdoors or spending time with his nephew, Maxwell.
Securities Agent: AK, AR, WA, NY, KS, ID, AL, UT, OK, KY, WI, PR, IN, HI, GA, AZ, MN, FL, PA, MD, VA, NJ, CO, TN, NV, SC, CA, OR, ME, TX, NM, NC, MT, MA, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 1820861
CA Insurance License #: 0M47053
NMLS#: 1820861
CA Insurance License #: 0M47053
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
How We Work With Clients
Our Four-Step Wealth Management Process
Our approach is a disciplined, structured process designed to bring clarity, alignment, and confidence to you financial life. Each step is intentional - built to ensure your strategy evolves alongside your goals, your life and the markets.
- Introductory Conversation
We begin with an introductory call or meeting to learn more about you, your financial situation, and your long-term goals. This conversation allows us to understand how we may be able to add value and determine whether working together is the right fit. - Financial Planning Discovery Meeting
Next, we schedule a discovery meeting to gather the information needed to develop a comprehensive financial plan. This includes reviewing your assets, income, current investments, long-term objectives, and undestanding what is most important to you. - Financial Plan & Investment Strategy Review
We present your financial plan and review the recommended investment strategy. During this meeting, we walk through the plan together, discuss potential scenarios, and ensure the strategy aligns with your goals and priorities. - Implementation & Ongoing Guidance
Once a strategy is agreed upon, we coordinate the implementation of your plan and investment portfolio. We maintain long-term relationship through regular reviews and proactive communication to ensure your strategy evolves as your life, goals, and markets change.
If you are interested in learning more about how we may be able to guide you, we would welcome the opportunity to start a conversation.
The Clients We Serve
We work with a select group of individuals and families who value thoughtful planning, disciplined strategy, and ongoing, proactive guidance in managing their wealth.
Our clients are often navigating important financial transitions—approaching retirement, managing concentrated positions, or seeking a more structured and intentional approach to their financial lives.
While every situation is unique, the individuals and families we serve typically fall into the following categories:
- High-Net-Worth Individuals & Families Focused on building, preserving, and transitioning long-term wealth through a more coordinated and strategic approach.
- Ultra-High-Net-Worth Individuals & Families Families with significant wealth and complex wealth structures seeking an institutional approach to portfolio construction, multi-generational planning, and access to advanced planning resources, through Morgan Stanley's Outsourced Chief Investment Office ( OCIO) and Family Office Resources ( FOR).
- Corporate Professionals & Executives Including those with equity compensation, retirement plans, or concentrated stock positions requiring thoughtful planning and tax-aware decision making.
- Individuals Approaching or Living in Retirement Seeking to transition from accumulation to income with clarity, structure, and confidence.
- Business Owners & Entrepreneurs Looking to integrate personal and business finances while planning for liquidity, growth, and long-term wealth preservation.
Retirement Planning & Income Strategy
Retirement planning has been a central focus of Paul's work since the beginning of his career. Preparing for retirement is not simply a financial exercise — it is one of life's most significant transitions. In many ways, retirement planning is both financial and psychological, requiring thoughtful preparation for both the numbers and the lifestyle that comes with this next chapter.
Over the course of his career, Paul has worked closely with individuals and families preparing for retirement, helping them develop strategies designed to generate sustainable income while preserving long-term wealth.
Key questions often include:
-What do you plan to do with your time in retirement?
-What will your typical day look like?
-How much income will you need?
-How will your lifestyle change?
-How can your assets support the retirement you envision?
-How can you generate income from your assets efficiently?
Through thoughtful financial planning and disciplined investment management, Paul works with clients to develop strategies designed to bring clarity, direction, and confidence as they approach retirement.
If you are approaching retirement or simply want to ensure you are on the right path, we welcome the opportunity to start a conversation and help you prepare for this next chapter with clarity and confidence.
Client Service Team
Matthew Tamura - Client Service Associate
Phone:
(949) 809-1258(949) 809-1258
Email:matthew.tamura@morganstanley.com
As a Client Service Associate at Morgan Stanley, Matthew plays an integral role in supporting the team’s focus on retirement planning and comprehensive wealth management. Working closely with Paul & the team, he helps deliver a seamless client experience by coordinating account services, managing client communications, and ensuring operational efficiency across all aspects of the practice.
Matthew holds the Securities Industry Essentials (SIE), Series 7, and Series 66 licenses, providing a strong foundation to support client needs and contribute to the delivery of thoughtful, personalized financial solutions. He is known for a detail-oriented approach, responsiveness, and a commitment to fostering strong client relationships.
Raised in Los Angeles County, Matthew earned a Bachelor of Business Administration in Finance from California State University, Fullerton, establishing a solid foundation for a career in financial services.
Outside of the office, he enjoys spending time outdoors, including kayaking and camping, as well as traveling and being with family. These experiences reinforce an appreciation for thoughtful planning, long-term security, and making the most of each stage of life—principles reflected in the work he brings to clients every day.
Matthew holds the Securities Industry Essentials (SIE), Series 7, and Series 66 licenses, providing a strong foundation to support client needs and contribute to the delivery of thoughtful, personalized financial solutions. He is known for a detail-oriented approach, responsiveness, and a commitment to fostering strong client relationships.
Raised in Los Angeles County, Matthew earned a Bachelor of Business Administration in Finance from California State University, Fullerton, establishing a solid foundation for a career in financial services.
Outside of the office, he enjoys spending time outdoors, including kayaking and camping, as well as traveling and being with family. These experiences reinforce an appreciation for thoughtful planning, long-term security, and making the most of each stage of life—principles reflected in the work he brings to clients every day.
Sumana Kar - Portfolio Associate
Phone:
(949) 809-1218(949) 809-1218
Email:sumana.kar@morganstanley.com
Sumana has 18 years of industry experience, the last 8 years of which have been at Morgan Stanley as a Client Sales Assistant in the Irvine office.
Prior to joining Morgan Stanley in 2017, Sumana held service-related positions at American Funds at The Capital Group and Chase Bank, She earned her Portfolio Associate designa-tion from Morgan Stanley during her time here. She holds a B.A. in International Studies from UC Irvine. Outside the office, Sumana enjoys hiking, discovering new cuisines, and spending time with her family.
Prior to joining Morgan Stanley in 2017, Sumana held service-related positions at American Funds at The Capital Group and Chase Bank, She earned her Portfolio Associate designa-tion from Morgan Stanley during her time here. She holds a B.A. in International Studies from UC Irvine. Outside the office, Sumana enjoys hiking, discovering new cuisines, and spending time with her family.
Location
1901 Main Street
Ste 700
Irvine, CA 92614
US
Direct:
(949) 955-7850(949) 955-7850
Awards and Recognition
Forbes Top Next-Gen Wealth Advisors Best-In-State
Forbes Top Next-Gen Wealth Advisors Best-in-State Source: Forbes.com (Awarded Aug 2025) Data compiled by SHOOK Research LLC for the period 3/31/24 - 3/31/25.
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
Leo Gonzalez Souto, CFP®
Vice President, Financial Planning Director
About Megan Cornille
Megan Cornille is a Private Banker serving Morgan Stanley Wealth Management offices in California.
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.
Megan began her career in financial services in 2010, and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm,
she was a Private Client Banker at JP Morgan Chase. She also served as a Personal Banker at U.S. Bank.
Megan is a graduate of the University of California - Irvine, where she received a Bachelor of Science in Molecular Biology. She lives in Torrance,
California with her family. Outside of the office, Megan enjoys running,
traveling with her family and volunteering at her son’s school.
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.
Megan began her career in financial services in 2010, and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm,
she was a Private Client Banker at JP Morgan Chase. She also served as a Personal Banker at U.S. Bank.
Megan is a graduate of the University of California - Irvine, where she received a Bachelor of Science in Molecular Biology. She lives in Torrance,
California with her family. Outside of the office, Megan enjoys running,
traveling with her family and volunteering at her son’s school.
NMLS#: 606638
About Leo Gonzalez Souto, CFP®
Leandro “Leo” Gonzalez Souto is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management office in Irvine, California. He is responsible for helping financial advisors with their clients’ and prospects’ financial planning needs.
Leo began his career in financial services in 2015 and joined Morgan Stanley in 2022. Prior to his current position, he worked at Charles Schwab.
Leo graduated from Indiana University-Bloomington and holds his CERTIFIED FINANCIAL PLANNER™ and CERTIFIED EXIT PLANNER ADVISOR designations. Leo lives in Huntington Beach, CA with his wife Isabel. Outside of work, Leo is an avid soccer player and enjoys traveling the world, visiting, and spending time with his family in California, Spain, and Argentina.
DISCLOSURE:
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.
Leo began his career in financial services in 2015 and joined Morgan Stanley in 2022. Prior to his current position, he worked at Charles Schwab.
Leo graduated from Indiana University-Bloomington and holds his CERTIFIED FINANCIAL PLANNER™ and CERTIFIED EXIT PLANNER ADVISOR designations. Leo lives in Huntington Beach, CA with his wife Isabel. Outside of work, Leo is an avid soccer player and enjoys traveling the world, visiting, and spending time with his family in California, Spain, and Argentina.
DISCLOSURE:
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.
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
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
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Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
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Ready to start a conversation? Contact Paul Babaran today.
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 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.
5Alternative 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.
6Morgan 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.
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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Morgan 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.
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’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.
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 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.
5Alternative 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.
6Morgan 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.
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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Morgan 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.
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
CRC 4665150 (8/2025), 4763067 (9/2025)
