Peter Maloney, CIMA
Senior Vice President, Financial Advisor, Portfolio Manager
Phone:
(239) 598-7665(239) 598-7665
Peter Maloney, CIMA®
Senior Vice President,
Financial Advisor,
Portfolio Manager
Direct:
(239) 598-7665(239) 598-7665
My Mission Statement
Provide disciplined, goals-based portfolio management that can help families preserve, grow, and transfer wealth across generations.
About Peter Maloney
Peter Maloney is a Financial Advisor and Senior Vice President at Morgan Stanley who brings a relationship-first mindset and decades of market experience to helping clients make financial decisions. He is passionate about helping people—building long-term relationships, understanding what matters most to each client, and putting thoughtful plans in place to help them work toward their goals.
Pete’s approach is grounded in trust, straightforward guidance, and follow-through. Clients know he takes their best interests seriously and is committed to providing clear, dependable advice. He’s known for being personable and direct—and for never guessing when it comes to a client’s financial decisions. If he doesn’t know an answer, he will say so and then do the work to get it right.
Pete began his financial services career in 1989 at Merrill Lynch, initially working in a real estate branch locations group as a lease negotiator. In 1993, he earned his Series 7 and transitioned into a role in New York City. He previously served at Morgan Stanley from 2007 to 2015 and returned to the firm in 2026. His service model emphasizes regular portfolio and performance reviews, aligning investments with client goals, and making adjustments as life evolves.
He holds Series 7, 31, 63, and 65 licenses, along with insurance licenses for life and health and long-term care. Pete is also a Portfolio Manager at Morgan Stanley and has held the CIMA® designation since 2009. He earned his undergraduate degree from the University of Massachusetts Amherst, majoring in Finance with a minor in Economics.
A dedicated community member, Pete has been active for years in youth basketball, including serving on a local board and coaching for approximately 15 years. Outside the office, he enjoys golf and is a member of Foxfire Country Club in Naples, Florida, and he also spends time traveling, at the beach, and doing a bit of birding—plus the occasional basketball shoot-around.
Pete splits his time between Naples, Florida—where he is typically based most of the year—and Westerly, Rhode Island. His children are grown, and he is especially proud to be working alongside his daughter, Maeve, who is joining him in the business—adding fresh perspective and supporting continuity for clients over time. As Pete often says, he’s an open book: he believes the best client relationships are built on being real, and on understanding the full picture of what’s happening in clients’ lives—not just their finances.
Pete’s approach is grounded in trust, straightforward guidance, and follow-through. Clients know he takes their best interests seriously and is committed to providing clear, dependable advice. He’s known for being personable and direct—and for never guessing when it comes to a client’s financial decisions. If he doesn’t know an answer, he will say so and then do the work to get it right.
Pete began his financial services career in 1989 at Merrill Lynch, initially working in a real estate branch locations group as a lease negotiator. In 1993, he earned his Series 7 and transitioned into a role in New York City. He previously served at Morgan Stanley from 2007 to 2015 and returned to the firm in 2026. His service model emphasizes regular portfolio and performance reviews, aligning investments with client goals, and making adjustments as life evolves.
He holds Series 7, 31, 63, and 65 licenses, along with insurance licenses for life and health and long-term care. Pete is also a Portfolio Manager at Morgan Stanley and has held the CIMA® designation since 2009. He earned his undergraduate degree from the University of Massachusetts Amherst, majoring in Finance with a minor in Economics.
A dedicated community member, Pete has been active for years in youth basketball, including serving on a local board and coaching for approximately 15 years. Outside the office, he enjoys golf and is a member of Foxfire Country Club in Naples, Florida, and he also spends time traveling, at the beach, and doing a bit of birding—plus the occasional basketball shoot-around.
Pete splits his time between Naples, Florida—where he is typically based most of the year—and Westerly, Rhode Island. His children are grown, and he is especially proud to be working alongside his daughter, Maeve, who is joining him in the business—adding fresh perspective and supporting continuity for clients over time. As Pete often says, he’s an open book: he believes the best client relationships are built on being real, and on understanding the full picture of what’s happening in clients’ lives—not just their finances.
Securities Agent: AK, AZ, AR, CA, CO, CT, FL, GA, HI, IN, KS, LA, ME, MD, MA, MI, MN, MO, MT, NV, NH, NJ, NM, NY, NC, OH, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, WY, DC; General Securities Representative; Investment Advisor Representative
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
PORTFOLIO MANAGEMENT STRATEGIES
Portfolio management is the core focus of Peter's practice. Peter takes a disciplined, strategic approach to building and managing portfolios tailored to your individual goals, risk tolerance, and time horizon. Drawing on years of experience, Peter constructs customized portfolios that may include individual stocks and bonds, professionally managed models, and third-party strategies. Whether your priority is long-term growth, income, or capital preservation, Peter continuously monitors and adjusts your portfolio to reflect evolving market conditions and your personal financial objectives.
All portfolios are managed individually on a fully discretionary basis by Financial Advisors at Morgan Stanley who have been qualified by the firm to independently manage client assets based on training, experience and commitment to service.
Fees for the program are based on your account's asset level, not on the number of transactions performed in a given time period.
Core Growth & Income
Balanced portfolios designed around dividend growth, total return, and long-term compounding.
Concentrated Wealth Solutions
Exchange funds, prepaid variable forwards, options overlays, and more diversification strategies for clients with significant single-stock exposure.
Tax-Aware Strategies
Customized portfolios that focus on after-tax outcomes – tax-loss harvesting, municipal bonds, structured solutions and efficient rebalancing.
Global & Thematic Investing
Exposure across U.S., international, and emerging markets, with the ability to capture secular themes.
Alternative Investments & Private Markets
Access to hedge funds, private equity, private credit, and real assets for diversification beyond traditional stocks and bonds.
LEADING A FULFILLING RETIREMENT
The retirement planning landscape is shaped by evolving economic conditions, regulatory updates, and the diverse financial needs of individuals. When preparing for a client's retirement, Peter delves into a variety of topics, including effective retirement savings plans, investment strategies tailored to different life stages, and risk management techniques to safeguard your future.
Peter also examines the impact of current market trends and demographic shifts on retirement planning, offering insights into how these factors may influence your financial decisions. Peter's goal is to equip you with the knowledge and tools necessary to make informed choices that align with your long-term objectives.
Making the Most of Your Retirement Savings
Carefully managing distributions from your portfolio during retirement can help you save on taxes, leaving you more money to spend and enjoy.
Are You Prepared for Retired Life?
Your retirement has the potential to be the most fulfilling period of your life–but you need to have a plan for your time as well as your finances.
How Insurance Can Help with Retirement Planning
Insurance isn't just for supporting dependents if something happens to you. It can also be part of a long-term retirement strategy.
4 Financially Smart Ways to Take Money Out of Retirement Accounts
Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.
Tax-Smart Strategies for Your Retirement
Smart tax planning can help you save more for retirement and keep more of what you've already saved. Consider these tax-efficient retirement planning strategies.
Six Money Moves to Make in the Decade Before Retirement
As retirement approaches, you'll want to have a clear understanding of what your financial needs are and if there's room for improvement.
WHERE PETER FITS IN
Managing family wealth is like running a company - you need a strategy to help manage assets and mitigate risks. Bridging the gap between private wealth and investment management services, Peter works with owners and founders striving to accelerate growth and develop robust succession plans. Peter helps manage the entire process by leveraging some of the top research and investment management resources in the industry.
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Concentrated Stock and Options Analysis
Designed for executives who have significant wealth in stock and options of their company, the Concentrated Stock and Options Analysis illustrates various valuations of holdings as well as hypothetical diversification scenarios.
Understanding Your Equity Awards
How performance shares work:
10b5-1 Plans
As a corporate executive, you may be aware of material non-public information at any time and can also face company-imposed quarterly or specific blackout periods restricting market access to trading your company stock. A 10b5-1 plan is designed to address these issues. By utilizing a 10b5-1 plan, you can gain an affirmative defense against claims of insider trading. Your plan can include tailored trading schedules that coordinates with your personal need for liquidity and your own timing requirements.
Planning for the Unplanned
Events such as death, disability, or retirement of a business owner don't have to mean the end of a successful business. Succession planning can provide for an orderly transition of ownership and business management during lifetime or at death. There are various options for structing and funding buy-sell agreements, key employee needs, and other executive benefits programs.
Transaction of a Lifetime
Creating and growing a successful business is seldom just about money, nor is the decision to exit the business. Whether that exit is through IPO, merger with another company, private sale, or succession within the family, the process is intense, the details are complex, and the decisions are often an unexpected combination of personal and financial needs. Morgan Stanley has been helping business owners like you bring clarity and confidence to what is typically a once-in-a-lifetime event.
Family Office Resources
Morgan Stanley Family Office Resources provides specialized, technical expertise to select clients across a broad range of family wealth management issues. Our core capabilities span three complimentary areas of focus including Governance & Legacy, Wealth Strategies and Signature Access.
MODERN WEALTH TOOLS & RESOURCES
Morgan Stanley's comprehensive suite of digital resources has been carefully designed to help enhance each and every aspect of your financial portfolio and life. Learn more about some of the Modern Wealth Management Tools that we offer to our valued clients.
Morgan Stanley Online
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorizations.
Total Wealth View
View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you'll benefit from more informed wealth planning, secure data access and convenient connectivity.
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Cyber Security Resources
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
GIC On the Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
GIC Weekly
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2025 Federal Tax Tables
This document outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
2026 Federal Tax Tables
This document outlines the 2026 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
Location
8889 Pelican Bay Blvd
Ste 300
Naples, FL 34108
US
Direct:
(239) 598-7665(239) 598-7665
Meet My Team
Maeve Maloney
Financial Advisor Associate
Phone:
(212) 603-6267(212) 603-6267
About Peter Maloney
Peter Maloney is a Financial Advisor and Senior Vice President at Morgan Stanley who brings a relationship-first mindset and decades of market experience to helping clients make financial decisions. He is passionate about helping people—building long-term relationships, understanding what matters most to each client, and putting thoughtful plans in place to help them work toward their goals.
Pete’s approach is grounded in trust, straightforward guidance, and follow-through. Clients know he takes their best interests seriously and is committed to providing clear, dependable advice. He’s known for being personable and direct—and for never guessing when it comes to a client’s financial decisions. If he doesn’t know an answer, he will say so and then do the work to get it right.
Pete began his financial services career in 1989 at Merrill Lynch, initially working in a real estate branch locations group as a lease negotiator. In 1993, he earned his Series 7 and transitioned into a role in New York City. He previously served at Morgan Stanley from 2007 to 2015 and returned to the firm in 2026. His service model emphasizes regular portfolio and performance reviews, aligning investments with client goals, and making adjustments as life evolves.
He holds Series 7, 31, 63, and 65 licenses, along with insurance licenses for life and health and long-term care. Pete is also a Portfolio Manager at Morgan Stanley and has held the CIMA® designation since 2009. He earned his undergraduate degree from the University of Massachusetts Amherst, majoring in Finance with a minor in Economics.
A dedicated community member, Pete has been active for years in youth basketball, including serving on a local board and coaching for approximately 15 years. Outside the office, he enjoys golf and is a member of Foxfire Country Club in Naples, Florida, and he also spends time traveling, at the beach, and doing a bit of birding—plus the occasional basketball shoot-around.
Pete splits his time between Naples, Florida—where he is typically based most of the year—and Westerly, Rhode Island. His children are grown, and he is especially proud to be working alongside his daughter, Maeve, who is joining him in the business—adding fresh perspective and supporting continuity for clients over time. As Pete often says, he’s an open book: he believes the best client relationships are built on being real, and on understanding the full picture of what’s happening in clients’ lives—not just their finances.
Pete’s approach is grounded in trust, straightforward guidance, and follow-through. Clients know he takes their best interests seriously and is committed to providing clear, dependable advice. He’s known for being personable and direct—and for never guessing when it comes to a client’s financial decisions. If he doesn’t know an answer, he will say so and then do the work to get it right.
Pete began his financial services career in 1989 at Merrill Lynch, initially working in a real estate branch locations group as a lease negotiator. In 1993, he earned his Series 7 and transitioned into a role in New York City. He previously served at Morgan Stanley from 2007 to 2015 and returned to the firm in 2026. His service model emphasizes regular portfolio and performance reviews, aligning investments with client goals, and making adjustments as life evolves.
He holds Series 7, 31, 63, and 65 licenses, along with insurance licenses for life and health and long-term care. Pete is also a Portfolio Manager at Morgan Stanley and has held the CIMA® designation since 2009. He earned his undergraduate degree from the University of Massachusetts Amherst, majoring in Finance with a minor in Economics.
A dedicated community member, Pete has been active for years in youth basketball, including serving on a local board and coaching for approximately 15 years. Outside the office, he enjoys golf and is a member of Foxfire Country Club in Naples, Florida, and he also spends time traveling, at the beach, and doing a bit of birding—plus the occasional basketball shoot-around.
Pete splits his time between Naples, Florida—where he is typically based most of the year—and Westerly, Rhode Island. His children are grown, and he is especially proud to be working alongside his daughter, Maeve, who is joining him in the business—adding fresh perspective and supporting continuity for clients over time. As Pete often says, he’s an open book: he believes the best client relationships are built on being real, and on understanding the full picture of what’s happening in clients’ lives—not just their finances.
Securities Agent: AK, AZ, AR, CA, CO, CT, FL, GA, HI, IN, KS, LA, ME, MD, MA, MI, MN, MO, MT, NV, NH, NJ, NM, NY, NC, OH, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, WY, DC; General Securities Representative; Investment Advisor Representative
About Maeve Maloney
Maeve Maloney is a Wealth Management Associate at Morgan Stanley, where she helps clients make confident financial decisions during the moments that matter most—whether that means starting a family, selling a business, planning for retirement, or navigating a major life transition. She is passionate about bringing clarity to complex situations and building plans that allow clients to focus on living their lives while knowing their finances are working for them.
Before joining Morgan Stanley, Maeve spent more than six years at EY as a business consultant focused on the wealth management industry, advising major financial institutions on wealth management strategy, advisor technology, and client experience improvements. This background shaped her structured, analytical approach to planning—connecting investments, taxes, estate considerations, and long-term goals into one cohesive strategy—while keeping the advice personal and grounded in each client’s priorities and definition of success.
Maeve works on a team with her father, creating a multi-generational dynamic designed to provide both continuity and forward-thinking advice. Together, they aim to help families navigate financial decisions across generations by combining decades of experience and long-standing relationships with a modern perspective on today’s wealth management landscape.
Maeve earned her undergraduate degree in Accounting from Syracuse University. She has passed the SIE and is working toward her Series 7 and additional licensing. Based in New York City, she enjoys spending time with friends and family, exploring the city, traveling, and staying active through Pilates, skiing, tennis, golf, and other pursuits.
Before joining Morgan Stanley, Maeve spent more than six years at EY as a business consultant focused on the wealth management industry, advising major financial institutions on wealth management strategy, advisor technology, and client experience improvements. This background shaped her structured, analytical approach to planning—connecting investments, taxes, estate considerations, and long-term goals into one cohesive strategy—while keeping the advice personal and grounded in each client’s priorities and definition of success.
Maeve works on a team with her father, creating a multi-generational dynamic designed to provide both continuity and forward-thinking advice. Together, they aim to help families navigate financial decisions across generations by combining decades of experience and long-standing relationships with a modern perspective on today’s wealth management landscape.
Maeve earned her undergraduate degree in Accounting from Syracuse University. She has passed the SIE and is working toward her Series 7 and additional licensing. Based in New York City, she enjoys spending time with friends and family, exploring the city, traveling, and staying active through Pilates, skiing, tennis, golf, and other pursuits.
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
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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 Peter Maloney today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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.
4Morgan 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.
5Morgan 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.
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
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.
2When 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.
3Morgan 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.
4Morgan 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.
5Morgan 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.
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
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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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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
