Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phoenix Biltmore Group at Morgan Stanley
Direct:
(602) 954-7766(602) 954-7766
Our Mission Statement
We bring inspiration, innovation and a modern approach to our practice. By extension, our clients enjoy the benefits of our approach as we have deep, long-lasting, and meaningful relationships with them and their families. Our knowledge, competence, and dedication drive us to deliver the best possible solutions and provide the highest level of service to our clients.
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
MODERN WEALTH MANAGEMENT TOOLS AND RESOURCES
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management tools that we offer to our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
Learn More About Morgan Stanley Online
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Learn More About Total Wealth View
Goals-Based Planning
Working with Morgan Stanley and its advanced wealth management technology is an ideal way to access advice and build a coherent wealth plan. Read more about the advantages of working with our unique planning technology to help reach your financial goals.
Learn More About Goals-Based Planning
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
Learn More About The Portfolio Risk Platform
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn More About MS Reserved
Online Security Center
Safeguarding your assets and personal information is among our highest priorities here at the Phoenix Biltmore Group. Learn about our extensive security measures and take advantage of our vast array of resources that are geared towards helping you stay protected in this digital world.
Learn More About The Online Security CenterOur Five-Step Process
Our wealth management approach focuses on you, your family and your career – where you are today and where you want to go. Working together, we develop the strategies to help get you there, navigating life’s challenges and helping you make more informed decisions about your wealth.
1. Introductory Call
We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we all agree to move forward, we’ll schedule our next meeting and request important financial information. To get started, send me an email by clicking the mailbox on my homepage or by clicking the "Contact Me" button.
2. Get To Know You Meeting
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you’ve prepared and define your priorities.
3. Analysis & Plan Development
Here, we utilize proprietary financial planning tools to develop a personalized and detailed plan with recommendations to help you grow, preserve and transfer your wealth.
4. Implementation
In this step, we present appropriate strategies that are designed to work together to achieve your goals. Upon your approval, we open new accounts for you at Morgan Stanley and initiate our investment recommendations. We’ll also begin to implement other strategies we’ve discussed. These often encompass tax minimization strategies, as well as risk management and estate planning techniques.
5. Ongoing Services
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. As we begin to execute each strategy, we’ll set up tools so that you have immediate access to your account information. We know that markets and personal needs evolve over time, so we ensure that your plan remains on schedule to achieve your goals by setting up ongoing meetings.
VALUABLE TOOLS AND RESOURCES
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets. We have assembled the following resources that reinforce the fundamental investment strategies and concepts of my practice. We provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth.
2025 Tax Tables
This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Access The 2025 Federal Tax Tables
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.
Check Out The Latest Episode
Retirement Planning
It’s important to determine how much money you may need to save for a comfortable retirement. Here is a fact sheet that can help you optimize your 401(k) plan.
Explore Potential OptionsIndividual Plans for Individuals Like You
Goals you set today will evolve over time. Our process is designed to evolve with them- and with the changing circumstances of your life. Holistic in its approach, our planning process will encompass all the elements of your financial and personal life, making sure they align with your current and future goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
LifeView Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs.
LifeView provides progress-to-goals reporting and can also illustrate complex planning strategies such as methods of stock option exercise, Roth conversions and 401k early distributions.
Fill out the questionnaire to get started.
Lifeview QuestionnaireLifeView provides progress-to-goals reporting and can also illustrate complex planning strategies such as methods of stock option exercise, Roth conversions and 401k early distributions.
Fill out the questionnaire to get started.
Retirement Planning
Most of us have numerous goals, but no goal is more important than securing a comfortable retirement. It is important to look at time horizon, Risk tolerance, and current savings to structure a sound retirement plan.
Retirement Planning
Portfolio Risk Platform - Intelligent Risk Management
There’s a chance your portfolio may be at risk, but how you manage that risk is what matters.
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Portfolio Risk Platform – Powered by AladdinPortfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Spending & Budgeting
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool. We make it easy for you and your financial advisor to oversee trends in your financial life.
Spending & Budgeting Tool
Estate Planning Strategies
Estate planning is the process of making arrangements to pass down wealth and assets after a person’s death. Creating an estate plan early is crucial as it ensures that your wishes are precisely reflected in your estate plan. Proper estate planning gives careful consideration to the your future plans, preferences and goals.
When creating a plan for your estate there are many questions that you might need to ask yourself. We have created a list of these important questions for your reference.
Questions To Consider For Estate PlanningWhen creating a plan for your estate there are many questions that you might need to ask yourself. We have created a list of these important questions for your reference.
Family Office Resources
Ultra-high net worth individuals and families often have unique and complex planning needs. Here at Morgan Stanley, we have a variety of Family Office Resources that can assist our family office clients in assessing and coming up with solutions to their goals; no matter how complex they may be.
Family Office ResourcesLocation
2398 E Camelback Rd
Suite 800
Phoenix, AZ 85016
US
Direct:
(602) 954-7766(602) 954-7766
Meet Phoenix Biltmore Group
First Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(602) 954-5729(602) 954-5729
Greg Phelan
Financial Planning Analyst
Phone:
(602) 954-5714(602) 954-5714
Donna Sabin
Senior Client Service Associate
Phone:
(602) 954-5732(602) 954-5732
Akiah Cepielik
Registered Client Service Associate
Phone:
(602) 954-5718(602) 954-5718
About Christopher Mette
Chris Mette is a founding member of the Phoenix Biltmore Group. He is a Portfolio Management Director and Senior Vice President at Morgan Stanley who works with retirees, real estate owners, entrepreneurs, and their families, to deal with the complex challenges that come with managing and preserving their accumulated wealth.
Chris joined Morgan Stanley in 1995 after graduating from the University of Arizona with a B.S. in Accounting. He received his Personal Financial Planning Certification from the University of California, Los Angeles, and is an accredited CERTIFIED FINANCIAL PLANNER™. He also holds an M.A. in Finance from Harvard University.
He takes pride in being from a family that has resided in Arizona for over four generations. In his free time, Chris enjoys rooting for the University of Arizona basketball team, traveling and spending time with his family
Chris joined Morgan Stanley in 1995 after graduating from the University of Arizona with a B.S. in Accounting. He received his Personal Financial Planning Certification from the University of California, Los Angeles, and is an accredited CERTIFIED FINANCIAL PLANNER™. He also holds an M.A. in Finance from Harvard University.
He takes pride in being from a family that has resided in Arizona for over four generations. In his free time, Chris enjoys rooting for the University of Arizona basketball team, traveling and spending time with his family
Securities Agent: OR, NC, DE, AZ, IA, MD, CO, AL, WA, OH, MA, ID, GA, AR, NV, NM, ND, HI, SC, CA, VA, UT, SD, PA, NJ, MT, MO, MI, ME, KY, KS, IL, WV, FL, CT, TX, TN, NY, MN, IN, OK, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 1261791
NMLS#: 1261791
About Geri Mette
Geri Mette is a founding member of the Phoenix Biltmore Group. The most important aspect of her work is the relationship she develops and maintains with her clients. She believes it is crucial that your portfolio be designed to help meet your individual goals whether it be funding a child’s education, planning for retirement, making a real estate acquisition, development of your legacy, or preparing for philanthropic aspirations.
Geri joined Morgan Stanley in 2016 after working in the field of Estate Planning for several years. At Morgan Stanley, she has won the prestigious Pacesetter award for the past four years due to her strong devotion to serving the needs of her clients. She has an M.A. in Education from Wichita State University and is passionate about educating her clients in all aspects of financial planning. She has furthered her education by obtaining her Certificate in Financial Planning from Pepperdine University Business School.
In her spare time, she enjoys working out, traveling and spending time with her husband and their four children
Geri joined Morgan Stanley in 2016 after working in the field of Estate Planning for several years. At Morgan Stanley, she has won the prestigious Pacesetter award for the past four years due to her strong devotion to serving the needs of her clients. She has an M.A. in Education from Wichita State University and is passionate about educating her clients in all aspects of financial planning. She has furthered her education by obtaining her Certificate in Financial Planning from Pepperdine University Business School.
In her spare time, she enjoys working out, traveling and spending time with her husband and their four children
Securities Agent: TX, MO, NM, MI, ID, FL, AZ, NC, MT, CO, AR, NY, NV, ME, HI, GA, CT, WV, SD, ND, IL, IA, WI, SC, IN, OR, DE, OH, KY, CA, OK, UT, NJ, MD, MA, MN, KS, AL, WA, VA, TN, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 1763756
NMLS#: 1763756
About Jonathon Paul
Jonathon Paul is the lead Portfolio Manager for the Phoenix Biltmore Group. Jonathon joined Morgan Stanley in 2011 and holds the titles, Director of Portfolio Management and Vice President. Prior to 2011, he served as a Financial Advisor with Merrill Lynch. Jonathon has been a Certified Financial Planner (CFP)™ since 1997.
The Phoenix Biltmore Group uses a combination of quantitative and fundamental analysis in the careful construction of portfolios for our clients. We take great care to work towards creating efficient portfolios that carry a good balance of risk and return, so that our clients may enjoy satisfactory results.
The Phoenix Biltmore Group uses a combination of quantitative and fundamental analysis in the careful construction of portfolios for our clients. We take great care to work towards creating efficient portfolios that carry a good balance of risk and return, so that our clients may enjoy satisfactory results.
Securities Agent: WA, AR, NC, CT, WV, OH, MA, KS, WI, SD, TX, OR, NY, NV, ND, MI, FL, NM, HI, GA, MN, ME, IL, OK, VA, SC, PA, MO, IN, CO, CA, NJ, MD, AL, UT, TN, DE, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 620252
CA Insurance License #: 0H12420
NMLS#: 620252
CA Insurance License #: 0H12420
About Greg Phelan
Greg Phelan is the Financial Planning Analyst (FPA) for the Phoenix-Biltmore Group.
Greg’s responsible for client relationship management with new and existing clients, LifeView Analysis, and Liquidity Access Lines.
Prior to joining Morgan Stanley and the Phoenix-Biltmore Group, Greg spent 18-years as a private banker for Wells Fargo Bank. In this role, he was responsible for developing, managing, and retaining relationships with affluent and ultra-high net worth clients through providing advice and counsel in order to meet clients goals and needs.
Outside of Morgan Stanley, Greg enjoys following his alma mater, Michigan State University, his wife’s alma mater, University of Oregon, cycling, cooking, and spending time with his wife Sayaka, and their two daughters, Kohana and Hinami.
Greg’s responsible for client relationship management with new and existing clients, LifeView Analysis, and Liquidity Access Lines.
Prior to joining Morgan Stanley and the Phoenix-Biltmore Group, Greg spent 18-years as a private banker for Wells Fargo Bank. In this role, he was responsible for developing, managing, and retaining relationships with affluent and ultra-high net worth clients through providing advice and counsel in order to meet clients goals and needs.
Outside of Morgan Stanley, Greg enjoys following his alma mater, Michigan State University, his wife’s alma mater, University of Oregon, cycling, cooking, and spending time with his wife Sayaka, and their two daughters, Kohana and Hinami.
About Donna Sabin
Donna Sabin is a Senior Client Service Associate with The Phoenix Biltmore Group at Morgan Stanley. Donna has been with Morgan Stanley for 21 years and brings an abundance of service and operational experience to the team. Donna is a driving force behind the team’s mission to provide quality wealth management services to all our valued clients. She works diligently to implement the team’s high client service model by streamlining client onboarding, operations, and account maintenance. Her administrative capabilities are among the best at Morgan Stanley.
Donna is an Arizona native. She enjoys spending time with her husband of 15 years and her 2 children. Donna and her family enjoy going camping and spending time outdoors.
Donna is an Arizona native. She enjoys spending time with her husband of 15 years and her 2 children. Donna and her family enjoy going camping and spending time outdoors.
About Akiah Cepielik
Akiah is a Registered Client Service Associate with The Phoenix Biltmore Group at Morgan Stanley. He is a graduate from the Eller College of Management at the University of Arizona, holding a Bachelor's Degree in Economics and Minor in Cognitive Studies. Akiah's professional background stems from mortgage loan origination and processing, which lead to his interest in Wealth Management.
Akiah is a father and avid outdoorsman. As a retired college lacrosse player who loves to think he is still in his prime, Akiah enjoys watching all sports- especially basketball, football and lacrosse.
Akiah is a father and avid outdoorsman. As a retired college lacrosse player who loves to think he is still in his prime, Akiah enjoys watching all sports- especially basketball, football and lacrosse.
Contact Christopher Mette
Contact Geri Mette
Contact Jonathon Paul
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
Nikki Ranck
Private Banker
About Nikki Ranck
Nikki Ranck is a Private Banker serving Morgan Stanley Wealth Management offices in Arizona and New Mexico.
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.
Nikki began her career in financial services in 2006, and joined Morgan Stanley in 2022 as a Private Banker. Prior to joining the firm, she was a Senior Client Service Associate at JP Morgan’s Private Bank. She also served as a Mortgage Banker and Branch Manager at JP Morgan Chase, and a Service Manager and Personal Banker at Wells Fargo Bank, N.A.
Nikki lives in Scottsdale, Arizona with her family. Outside of the office, she enjoys traveling and spending time with her family.
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.
Nikki began her career in financial services in 2006, and joined Morgan Stanley in 2022 as a Private Banker. Prior to joining the firm, she was a Senior Client Service Associate at JP Morgan’s Private Bank. She also served as a Mortgage Banker and Branch Manager at JP Morgan Chase, and a Service Manager and Personal Banker at Wells Fargo Bank, N.A.
Nikki lives in Scottsdale, Arizona with her family. Outside of the office, she enjoys traveling and spending time with her family.
NMLS#: 1075581
Wealth Management
From Our Team
Retirement Income Planning
Wealth Management
Global Investment Office
Portfolio Insights
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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
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
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
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
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Phoenix Biltmore Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5When 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.
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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5When 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.
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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Awards Disclosures
CRC 6491812 (04/2024)
