Kristi Lucero
Branch Manager, Executive Director, Wealth Management Field
Phone:
(215) 963-3818(215) 963-3818
Morgan Stanley
Philadelphia Branch Office
You define success, we help you achieve it
1650 Market St
42nd Fl
Philadelphia, PA 19103
US
Toll-Free:
(800) 233-1414(800) 233-1414
Branch Manager
Kristi LuceroPhone:
(215) 963-3818(215) 963-3818
About Morgan Stanley Philadelphia Branch
At Morgan Stanley in Philadelphia, our mission is to become the premier destination for financial advisors, support professionals, and teams seeking a dynamic and supportive environment to grow and excel. We are committed to fostering a culture where each individual's aspirations are recognized and nurtured, ensuring that our team members have access to the resources and opportunities they need to thrive.
Empowerment and Growth:
We believe in empowering our teams by providing tailored support. Our goal is to connect each financial advisor and support professional with the appropriate tools, training, and mentorship to help enhance their skills and experience. We are dedicated to creating a pathway for personal and professional growth that aligns with individual goals and aspirations.
Resource Connectivity:
As a branch manager, I am committed to facilitating connections between our team members and the vast resources available within Morgan Stanley. This includes leveraging our global network, cutting-edge technology, and our robust research to provide comprehensive support to our clients and colleagues.
Client-Centric Approach:
Our mission is deeply rooted in delivering exceptional service to our clients. We strive to understand their unique needs and provide personalized strategies that are designed to help them achieve their financial objectives. By fostering strong, sound relationships, we aim to be the destination of choice for financial advisors, their clients and families in the Philadelphia area.
Community and Collaboration:
We are inspired by the spirit of Philadelphia, a city known for its brotherly love and community strength. Our office embodies these values by promoting a collaborative environment where ideas are freely shared, and teamwork is celebrated. We believe that by supporting one another, we can achieve greater success collectively.
Commitment to Excellence:
We strive to uphold the highest standards of integrity, professionalism, and excellence in all that we do. We are dedicated to continuous improvement and innovation, seeking to ensure that we remain at the forefront of the financial services industry.
By living our mission every day, we aim to create a workplace where success is not just measured by financial performance, but by the positive impact we have on our clients, our community, and each other.
I am eager to connect with you and discuss how we can support your professional journey and aspirations. Let's schedule a time to discuss how Morgan Stanley in Philadelphia can support your growth and success.
Empowerment and Growth:
We believe in empowering our teams by providing tailored support. Our goal is to connect each financial advisor and support professional with the appropriate tools, training, and mentorship to help enhance their skills and experience. We are dedicated to creating a pathway for personal and professional growth that aligns with individual goals and aspirations.
Resource Connectivity:
As a branch manager, I am committed to facilitating connections between our team members and the vast resources available within Morgan Stanley. This includes leveraging our global network, cutting-edge technology, and our robust research to provide comprehensive support to our clients and colleagues.
Client-Centric Approach:
Our mission is deeply rooted in delivering exceptional service to our clients. We strive to understand their unique needs and provide personalized strategies that are designed to help them achieve their financial objectives. By fostering strong, sound relationships, we aim to be the destination of choice for financial advisors, their clients and families in the Philadelphia area.
Community and Collaboration:
We are inspired by the spirit of Philadelphia, a city known for its brotherly love and community strength. Our office embodies these values by promoting a collaborative environment where ideas are freely shared, and teamwork is celebrated. We believe that by supporting one another, we can achieve greater success collectively.
Commitment to Excellence:
We strive to uphold the highest standards of integrity, professionalism, and excellence in all that we do. We are dedicated to continuous improvement and innovation, seeking to ensure that we remain at the forefront of the financial services industry.
By living our mission every day, we aim to create a workplace where success is not just measured by financial performance, but by the positive impact we have on our clients, our community, and each other.
I am eager to connect with you and discuss how we can support your professional journey and aspirations. Let's schedule a time to discuss how Morgan Stanley in Philadelphia can support your growth and success.
Services Provided
- Retirement PlanningFootnote1
- Saving for CollegeFootnote2
- Maintaining Cash Flow
- Long-term Care InsuranceFootnote3
- Traditional Investments
- Alternative InvestmentsFootnote4
- Insurance ServicesFootnote5
- Investing with ImpactFootnote6
- Legacy PlanningFootnote7
- Succession PlanningFootnote8
- Family Mission Statements
- Next Generation EducationFootnote9
- Lending SolutionsFootnote10
- Cash Management SolutionsFootnote11
Our Team at Morgan Stanley Philadelphia Branch
Diane Roberts
Vice President, Risk Officer
Phone:
(215) 854-6284(215) 854-6284
Lyle Feld
Vice President, Business Service Officer
Phone:
(215) 854-6046(215) 854-6046
Adrian Schwartz, CFP®
First Vice President, Senior Financial Planning Director
Victor Diune
Executive Director, Family Office Resources Generalist
Phone:
(617) 478-6589(617) 478-6589
Morgan Grunat
Vice President, Philanthropic Advisor
Phone:
(212) 296-5928(212) 296-5928
Scott Chester
Executive Director, Wealth and Estate Planning Strategist
Phone:
(914) 225-1210(914) 225-1210
About Kristi Lucero
Kristi R Lucero is an Executive Director at Morgan Stanley and serves as the Branch Manager for the Philadelphia Branch. Beginning her career in 1997 as a receptionist at Dean Witter she has spent over two decades growing within Morgan Stanley, taking on increasingly senior roles across a variety of business functions.
Prior to her current position, Kristi was the Associate Market Manager for the Houston Post Oak Market. Throughout her career, she has held roles in Service, Risk, Sales and Management, gaining broad experience and a holistic view of the organization.
As Branch Manager, Kristi is committed to advancing the branch culture and success. She is passionate about developing talent and actively coaches Financial Advisors and the broader team, helping drive strategic growth across the Philadelphia market. She partners closely with senior leadership to ensure alignment with Morgan Stanley’s core values while attracting and developing top-tier talent.
Kristi hold FINRA Series 3, 7, 9, 10, 63, 53, and 66 licenses.
Kristi and her husband Chris have embraced Philadelphia as their new home, city and community. As proud “empty-nesters” and even prouder grandparents of two girls and a boy, they enjoy cycling, CrossFit, traveling and exploring everything that Philadelphia has to offer. Kristi is also a former member of Morgan Stanley’s Diversity and Inclusion Council.
Prior to her current position, Kristi was the Associate Market Manager for the Houston Post Oak Market. Throughout her career, she has held roles in Service, Risk, Sales and Management, gaining broad experience and a holistic view of the organization.
As Branch Manager, Kristi is committed to advancing the branch culture and success. She is passionate about developing talent and actively coaches Financial Advisors and the broader team, helping drive strategic growth across the Philadelphia market. She partners closely with senior leadership to ensure alignment with Morgan Stanley’s core values while attracting and developing top-tier talent.
Kristi hold FINRA Series 3, 7, 9, 10, 63, 53, and 66 licenses.
Kristi and her husband Chris have embraced Philadelphia as their new home, city and community. As proud “empty-nesters” and even prouder grandparents of two girls and a boy, they enjoy cycling, CrossFit, traveling and exploring everything that Philadelphia has to offer. Kristi is also a former member of Morgan Stanley’s Diversity and Inclusion Council.
About Diane Roberts
Diane Roberts is our Risk Officer covering the Philadelphia, PA branch (474 & 616). Diane joined Morgan Stanley in November 2013. Prior to joining Morgan Stanley as a Risk Officer, Diane led the compliance team for one of the largest proprietary trading firms in the world. Diane has over 30 years of experience in the financial services industry beginning as a Registered Client Service Associate before advancing her career into Compliance. Diane holds the Series 3, 7, 9, 10, 24, 63 licenses.
About Lyle Feld
Lyle Feld has worked in the financial services industry for over twenty years, of which thirteen have been with Morgan Stanley. After graduating from the University Of Connecticut, Lyle started his career with Merrill Lynch and developed a foundation of skills which foster service excellence.
Lyle is motivated by understanding individual client goals while providing highly personalized service. As BSO of the Philadelphia office, Lyle appreciates working with everyone in the Morgan Stanley ecosystem to drive client solutions. Lyle is comfortable navigating the digital remote landscape and is engaged in supporting our advisors and teams. Lyle is proud to be part of the Greater Philadelphia market and values being responsive and thoughtful of modern wealth strategies.
Lyle graduated from Rutgers University with an MBA and a concentration in Finance. Lyle lives in Cherry Hill, NJ with his wife, daughter, and son. Outside of the office Lyle spends time with family, enjoys Philadelphia sports, and going down to the shore.
Lyle is motivated by understanding individual client goals while providing highly personalized service. As BSO of the Philadelphia office, Lyle appreciates working with everyone in the Morgan Stanley ecosystem to drive client solutions. Lyle is comfortable navigating the digital remote landscape and is engaged in supporting our advisors and teams. Lyle is proud to be part of the Greater Philadelphia market and values being responsive and thoughtful of modern wealth strategies.
Lyle graduated from Rutgers University with an MBA and a concentration in Finance. Lyle lives in Cherry Hill, NJ with his wife, daughter, and son. Outside of the office Lyle spends time with family, enjoys Philadelphia sports, and going down to the shore.
About Adrian Schwartz
Adrian Schwartz is a First Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices the Greater Philadelphia and Coastal New Jersey markets. He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Adrian began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to his current position, Adrian worked at TD Ameritrade in New York where he worked with some of the firm’s wealthiest clients in the region and managed two branches.
Adrian graduated from Rutgers Business School with an MBA and holds his CERTIFIED FINANCIAL PLANNER designation. Adrian lives in Manalapan, NJ with his wife and two young children. Outside of work, Adrian spends most of his time with his family. When the opportunity presents itself, he also enjoys playing guitar and golfing.
Adrian began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to his current position, Adrian worked at TD Ameritrade in New York where he worked with some of the firm’s wealthiest clients in the region and managed two branches.
Adrian graduated from Rutgers Business School with an MBA and holds his CERTIFIED FINANCIAL PLANNER designation. Adrian lives in Manalapan, NJ with his wife and two young children. Outside of work, Adrian spends most of his time with his family. When the opportunity presents itself, he also enjoys playing guitar and golfing.
About Victor Diune
Victor Diune is a Family Office Resources Generalist for Morgan Stanley’s Family Office Resources, covering the Northeast Region. In this capacity, Victor provides specialized expertise to Financial Advisors and their UHNW clients across a broad range of family wealth management issues including; family governance and wealth education, strategic estate and financial planning, philanthropy management and lifestyle advisory. Victor has over 20 years of experience advising wealthy families, business owners, and their children.
Victor has spent the last 22 years at Bank of America/Merrill Lynch. Most recently, he was a Director, Wealth Strategist, working with Merrill Private Wealth Advisors and Financial Advisors, along with their UHNW clients advising them on estate and legacy planning, wealth transfer strategies and philanthropic planning. He was also responsible for developing, consulting and implementing business succession plans as well as providing advice on fiduciary investment management and tax reduction strategies.
Victor received a Bachelor of Arts degree in Political Science from University of Illinois in Urbana-Champaign, received his JD/MBA degree from Suffolk University Law School/Sawyer School of Management, and his LLM in Tax from Boston University School of Law. He holds a Series 7 and 66 securities licenses. He currently lives in Hopkinton, MA with his wife and their 4 children.
Victor has spent the last 22 years at Bank of America/Merrill Lynch. Most recently, he was a Director, Wealth Strategist, working with Merrill Private Wealth Advisors and Financial Advisors, along with their UHNW clients advising them on estate and legacy planning, wealth transfer strategies and philanthropic planning. He was also responsible for developing, consulting and implementing business succession plans as well as providing advice on fiduciary investment management and tax reduction strategies.
Victor received a Bachelor of Arts degree in Political Science from University of Illinois in Urbana-Champaign, received his JD/MBA degree from Suffolk University Law School/Sawyer School of Management, and his LLM in Tax from Boston University School of Law. He holds a Series 7 and 66 securities licenses. He currently lives in Hopkinton, MA with his wife and their 4 children.
About Morgan Grunat
Morgan Grunat is a Philanthropic Advisor on the Philanthropy Management team within Family Office Resources, covering the Northeast region. In her role, she provides customized philanthropic advisory services to ultra-high net worth individuals, families, and family offices, as well as nonprofit, foundation, and corporate clients. She also oversees Philanthropy Management’s events and experiences.
Prior to joining Morgan Stanley, Morgan served as Director of Institutional Giving at Student Leadership Network, a New York City-based nonprofit focused on educational equity through college access and success and educational opportunities for girls and gender expansive youth. Here, Morgan oversaw the organization’s foundation and government portfolios and managed large grant-funded initiatives. As a member of a small Development Team, Morgan also supported team efforts related to operations, corporate grants, individual giving, and special events. Prior to Student Leadership Network, Morgan served as the Grants and Program Content Officer at Shining Hope for Communities (SHOFCO), a grassroots movement based in Nairobi, KE.
Morgan holds a BA from Boston College in Elementary Education and Applied Psychology, and a MA from Teachers College, Columbia University in International Educational Development with a concentration in Peace and Human Rights Education. She is Series 7 licensed.
Prior to joining Morgan Stanley, Morgan served as Director of Institutional Giving at Student Leadership Network, a New York City-based nonprofit focused on educational equity through college access and success and educational opportunities for girls and gender expansive youth. Here, Morgan oversaw the organization’s foundation and government portfolios and managed large grant-funded initiatives. As a member of a small Development Team, Morgan also supported team efforts related to operations, corporate grants, individual giving, and special events. Prior to Student Leadership Network, Morgan served as the Grants and Program Content Officer at Shining Hope for Communities (SHOFCO), a grassroots movement based in Nairobi, KE.
Morgan holds a BA from Boston College in Elementary Education and Applied Psychology, and a MA from Teachers College, Columbia University in International Educational Development with a concentration in Peace and Human Rights Education. She is Series 7 licensed.
About Scott Chester
Scott Chester is an Executive Director and Wealth & Estate Planning Strategist in Morgan Stanley’s Wealth Management Division. Scott partners with Financial Advisors and their ultra-high net worth clients to review and discuss traditional and advanced estate and income tax planning strategies.
Prior to joining Morgan Stanley, Scott worked as a Director of Wealth Planning Strategies with TIAA, where he provided wealth transfer, estate and tax planning advice to private wealth clients with complex needs. Before his time at TIAA, Scott was a practicing attorney at Keane & Beane, P.C., with their Trusts & Estates Group.
Scott received his B.A. cum laude in Psychology from University at Albany and his J.D. cum laude from Albany Law School. He is currently pursuing his LL.M. in Taxation at Georgetown University Law Center. Scott is Series 7, Series 66 and Series 24 licensed.
Prior to joining Morgan Stanley, Scott worked as a Director of Wealth Planning Strategies with TIAA, where he provided wealth transfer, estate and tax planning advice to private wealth clients with complex needs. Before his time at TIAA, Scott was a practicing attorney at Keane & Beane, P.C., with their Trusts & Estates Group.
Scott received his B.A. cum laude in Psychology from University at Albany and his J.D. cum laude from Albany Law School. He is currently pursuing his LL.M. in Taxation at Georgetown University Law Center. Scott is Series 7, Series 66 and Series 24 licensed.
Interested in a Career at Morgan Stanley?
Financial Advisors
Morgan Stanley Wealth Management grants Financial Advisors access to global resources and capabilities that will take your business to the next level—and provide confidence to your clients.
Experienced Professionals
Leverage your talent, hone your skills and build a career at Morgan Stanley, where our goal is always to deliver first-class business in a first-class way.
Branch Address
1650 Market St
42nd Fl
Philadelphia, PA 19103
US
Toll-Free:
(800) 233-1414(800) 233-1414
Fax:
(215) 854-6125(215) 854-6125
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.
2Tax laws are complex and are subject to change. 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. 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.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6The returns on a portfolio consisting primarily of sustainable investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
9Tax laws are complex and are subject to change. 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. 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.
10Morgan 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
11Morgan 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
Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).
The investments and products listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments or products, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. The appropriateness of a particular investment or product will depend upon an investor's individual circumstances and objectives.
Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Tax laws are complex and are subject to change. 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. 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.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6The returns on a portfolio consisting primarily of sustainable investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
9Tax laws are complex and are subject to change. 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. 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.
10Morgan 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
11Morgan 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
Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).
The investments and products listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments or products, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. The appropriateness of a particular investment or product will depend upon an investor's individual circumstances and objectives.
Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
Awards Disclosures | Morgan Stanley
CRC 4665150 (08/2025)