Paul J Scranton
Quad Cities Wealth Management Group at Morgan Stanley
Direct:
(563) 344-4360(563) 344-4360
Toll-Free:
(800) 553-1871(800) 553-1871
Industry Award WinnerOur Mission Statement
With Our Exceptional Client Service, We Help You Navigate Financial Decisions As Your Life Unfolds
Welcome
At the Quad Cities Wealth Management Group, we help clients set and achieve their financial goals in order to manage to and through a healthy retirement. Though the challenges facing today’s future retirees may seem daunting, it’s our job to understand your goals and to help you plan the steps you can take to prepare now for a better potential tomorrow.
We’ve built a team with strong experience in financial services and credentials in the areas of financial planning, portfolio management, retirement plans and insurance. We draw on our team’s collective wisdom to provide our clients with access to and understanding of a wide array of financial solutions.
Our deep breadth of knowledge about the many issues of wealth management and retirement planning, coupled with our commitment to client service, have resulted in deeply rewarding, long-term relationships with our clients. We invite you to begin that relationship today.
We are delighted to share that Forbes' latest release of annual ranking for The Quad Cities Best-In-State Wealth Management Teams has recognized The Quad Cities Wealth Management Group.
Forbes' Best-In-State Wealth Management Teams 2025
2025 Forbes Best-In-State Wealth Management Teams: [Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24.
We’ve built a team with strong experience in financial services and credentials in the areas of financial planning, portfolio management, retirement plans and insurance. We draw on our team’s collective wisdom to provide our clients with access to and understanding of a wide array of financial solutions.
Our deep breadth of knowledge about the many issues of wealth management and retirement planning, coupled with our commitment to client service, have resulted in deeply rewarding, long-term relationships with our clients. We invite you to begin that relationship today.
We are delighted to share that Forbes' latest release of annual ranking for The Quad Cities Best-In-State Wealth Management Teams has recognized The Quad Cities Wealth Management Group.
Forbes' Best-In-State Wealth Management Teams 2025
2025 Forbes Best-In-State Wealth Management Teams: [Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
We are fortunate to have two Financial Advisors within our group who have earned the CFP® designation - one of the top credentials in the financial services industry. Our carefully developed process allows us to properly align your investments with your long-term goals and objectives.
Step 1: Discovery
The Quad Cities Wealth Management Group will get to know what you and your family value most when building a relationship. We consider your entire financial and personal situation to carefully craft a financial strategy that best suits you and your loved ones.
Step 2: Forming Your Strategy
Using your life goals and personal circumstances as a blueprint, we will create a risk-balanced strategy that maps out a clear path to achieve your goals.
Step 3: Strategy Implementation
Coupled with Morgan Stanley's global suite of services, we will conduct careful research and analysis to ensure that you take calculated and versatile action in all market situations.
Step 4: Ongoing Review
Once your plan is implemented, the work has just begun. We consult with you regularly to monitor the performance of your strategy to ensure that you remain on-track towards your goals despite any changes in life or in the market.
Awards & Experience
Our professional investment credentials demonstrate a deep level of knowledge, a commitment to best practices, and the ability to coordinate efforts among other professionals, such as our clients' attorneys and CPAs.
Forbes Best-In-State Wealth Management Teams
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisors
2019-2025 Forbes Best-In-State Wealth Advisors
Paul Scranton
Source: Forbes.com (Awarded 2019-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Paul Scranton
Source: Forbes.com (Awarded 2019-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
FWD® (Family Wealth Director)
Paul Scranton holds Morgan Stanley's distinguished designation of Family Wealth Director.
The Family Wealth Director Designation is held by less than 4% of Financial Advisors at Morgan Stanley. Family Wealth Directors must demonstrate professional knowledge and experience in a range of wealth management solutions including estate planning strategies, alternative investments, control and restricted securities, lending solutions, hedging and monetization, and business succession planning.
Family Wealth Directors have specialized access to a variety of family advisory services including, family governance and wealth education, philanthropy management and lifestyle advisory.
The Family Wealth Director Designation is held by less than 4% of Financial Advisors at Morgan Stanley. Family Wealth Directors must demonstrate professional knowledge and experience in a range of wealth management solutions including estate planning strategies, alternative investments, control and restricted securities, lending solutions, hedging and monetization, and business succession planning.
Family Wealth Directors have specialized access to a variety of family advisory services including, family governance and wealth education, philanthropy management and lifestyle advisory.
CFP® (CERTIFIED FINANCIAL PLANNER™)
Paul Scranton and Andi Mills Hadjiyski hold the CFP® designation.
Financial advisors achieve the CFP® certification mark after undergoing a rigorous accreditation process. It requires CFP® professionals to act in their clients' best interest, using in-depth knowledge of issues such as the financial planning process, tax planning, retirement planning, and estate planning.
Financial advisors achieve the CFP® certification mark after undergoing a rigorous accreditation process. It requires CFP® professionals to act in their clients' best interest, using in-depth knowledge of issues such as the financial planning process, tax planning, retirement planning, and estate planning.
Digital Tools
To make the onboarding process as simple as possible we have gathered some of our most essential resources here at Morgan Stanley. You can find more information and steps to getting started below.
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.
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Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
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Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. Members can enjoy special discounts and timely insights to support them at home and beyond.
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Digital Vault
Easily and conveniently manage and share life’s most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings. Digital Vault allows for easy document sharing, convenient access, and encrypted files.
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Online Security Center
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.
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E-Authorization
With eAuthorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
Learn MoreLocation
4300 East 53rd St
Ste 300
Davenport, IA 52807
US
Direct:
(563) 344-4360(563) 344-4360
Toll-Free:
(800) 553-1871(800) 553-1871
Meet Quad Cities Wealth Management Group
Kelly Bramer
Andi Mills Hadjiyski
Joché Gauley
Vice President, Wealth Management Associate
Phone:
(563) 344-4303(563) 344-4303
Jessica Oelmann, FPS
Business Development Associate
Phone:
(563) 344-4348(563) 344-4348
Nicole Hohl
Registered Client Service Associate
Phone:
(563) 344-4317(563) 344-4317
About Joché Gauley
Joché is a Wealth Management Associate with Quad Cities Wealth Management at Morgan Stanley. She has been with the firm for over 25 years and joined the Group in 2004. Joché's primary focus is on providing first-class client service and strategic operational and administrative support to the Quad Cities Wealth Management clients. She is the first point of contact for many client questions. On a daily basis she opens and monitors new and managed accounts, handles administrative and operational matters, and executes buy and sell orders.
Joché enjoys her daily interactions with clients and extends to them the same courtesies and level of personal care as if they were family. She makes special efforts to remember client birthdays, anniversaries and important milestones as well as to troubleshoot and help to solve any kind of client issue that may arise.
Joché is married and is the mother of two active boys. In her spare time she enjoys spending time with family and friends, baking or reading.
Joché enjoys her daily interactions with clients and extends to them the same courtesies and level of personal care as if they were family. She makes special efforts to remember client birthdays, anniversaries and important milestones as well as to troubleshoot and help to solve any kind of client issue that may arise.
Joché is married and is the mother of two active boys. In her spare time she enjoys spending time with family and friends, baking or reading.
About Jessica Oelmann
Jessica has been in the business for just under 10 years, all with Morgan Stanley. She has worked alongside multiple Financial Advisors in the Davenport, IA office. She started at Morgan Stanley shortly after graduating from Western Illinois University. Her responsibilities encompass all aspects of client relationship and team administration. She can help with any account questions you might have from ordering checks, processing deposits, withdrawals, online access, and everything in between. Jessica enjoys connecting with clients and extends to them the same kind of courtesies and level of personal care as if they were family.
Jessica grew up just south of the Quad Cities in a small town. She and her husband, Brandon, live in Orion with their son, Grayson. Jessica enjoys spending her free time crafting (with special interest in crocheting) and volunteering, but most importantly, she enjoys being with her family. You can find their family outside as much as possible, especially summer days on the lake at the family lake house or during the winter months in Northern Wisconsin with extended family.
Jessica grew up just south of the Quad Cities in a small town. She and her husband, Brandon, live in Orion with their son, Grayson. Jessica enjoys spending her free time crafting (with special interest in crocheting) and volunteering, but most importantly, she enjoys being with her family. You can find their family outside as much as possible, especially summer days on the lake at the family lake house or during the winter months in Northern Wisconsin with extended family.
About Nicole Hohl
Nicole joins the Quad Cities Wealth Management Group at Morgan Stanley with 8 years of experience in the financial services industry. She earned a degree in Business Management from Benedictine University where she was also on the volleyball team. Nicole supports the advisors on the team by doing administrative tasks and spends a lot of time interacting with clients. She is insurance licensed and can help assist clients with questions related to insurance products. She takes pride in treating clients like they're her family.
In her free time, Nicole enjoys playing & coaching volleyball and hanging out on the couch watching movies with her fiancé, Logan, and pup, Luna.
In her free time, Nicole enjoys playing & coaching volleyball and hanging out on the couch watching movies with her fiancé, Logan, and pup, Luna.
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2023-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisors
2019-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2019-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2
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
Sarah Ott, CFP®
Financial Planning Director, Vice President
About Sarah Ott
Sarah Ott, CFP®, CPWA® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in the Midwest Market. She is responsible for advanced planning consultations and coaching.
Sarah began her career in Financial Services in 2014 and joined Morgan Stanley in 2022. Prior to her current position, she was a Financial Advisor and Director of Financial Planning Operations at Thrivent Financial.
Sarah graduated from Saint Louis University with a Bachelor of Science in Business Administration with a concentration in Entrepreneurship. She holds her Certified Financial Planner® and Certified Private Wealth Advisor® designations. Outside of work, Sarah enjoys traveling with her family, trying new restaurants, and attending concerts and sporting events
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
Sarah began her career in Financial Services in 2014 and joined Morgan Stanley in 2022. Prior to her current position, she was a Financial Advisor and Director of Financial Planning Operations at Thrivent Financial.
Sarah graduated from Saint Louis University with a Bachelor of Science in Business Administration with a concentration in Entrepreneurship. She holds her Certified Financial Planner® and Certified Private Wealth Advisor® designations. Outside of work, Sarah enjoys traveling with her family, trying new restaurants, and attending concerts and sporting events
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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Working closely with you to guide your wealth and investments through the most challenging market cycles.
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- Traditional Investments
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Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
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A Simple Six-Step Retirement Checkup
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Creating customized financial strategies for the challenges that today’s families face.
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Financial Planning for Life After Selling a Business
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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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:
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- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Quad Cities Wealth Management Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When 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.
4Morgan 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Alternative 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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When 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.
4Morgan 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Alternative 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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
CRC 4665150 (8/2025)
