Rachel R. Cohen, CFP®, CRPC®, CDFA®
Executive Director,
Wealth Advisor,
Senior Portfolio Management Director,
Alternative Investments Director,
Lending Specialist,
Senior Investment Management Consultant
Direct:
(610) 260-7385(610) 260-7385
Toll-Free:
(800) 347-4305(800) 347-4305
My Mission Statement
Delivering personalized advice and tailored wealth management solutions to help you make wise and confident decisions about your family, your future and your finances.
Your Future is our Future - Your Quest is our Quest
Your Future is our Future - Your Quest is our Quest
Welcome
The clients we serve are an exceptional group of people. Some are successful professionals and business owners. Others are families spanning multiple generations. Still others are women seeking guidance for themselves and their children. Essentially, all need help identifying and implementing appropriate strategies to effectively build, preserve and, ultimately, transfer their wealth.
* A Deep Passion for Helping People:
As a woman who began her career in financial services in the early 1990s, I know what it takes to achieve personal and professional goals. I understand the hardships you’ve faced and the decisions you’ve made. I’ve built my practice over the past 28 years around customizing financial solutions for people just like you.
* Concierge Service Model:
We do this through the development and implementation of a comprehensive plan that serves as a personalized roadmap, guiding them towards financial success.
* Dedicated to You and Your Family:
We take great pride in helping our clients oversee and manage their personal wealth. We know that by helping them grow and protect their financial well-being, they will be able to take care of the people they love and spend more time pursuing the passions they enjoy. Our approach emphasizes highly personalized service and transparency, so we always know what’s happening in your life, and you always know what’s happening with your wealth.
We are proud of the services and solutions we provide our clients and welcome the opportunity to deliver this same level of excellence to you and your family.
* A Deep Passion for Helping People:
As a woman who began her career in financial services in the early 1990s, I know what it takes to achieve personal and professional goals. I understand the hardships you’ve faced and the decisions you’ve made. I’ve built my practice over the past 28 years around customizing financial solutions for people just like you.
* Concierge Service Model:
We do this through the development and implementation of a comprehensive plan that serves as a personalized roadmap, guiding them towards financial success.
* Dedicated to You and Your Family:
We take great pride in helping our clients oversee and manage their personal wealth. We know that by helping them grow and protect their financial well-being, they will be able to take care of the people they love and spend more time pursuing the passions they enjoy. Our approach emphasizes highly personalized service and transparency, so we always know what’s happening in your life, and you always know what’s happening with your wealth.
We are proud of the services and solutions we provide our clients and welcome the opportunity to deliver this same level of excellence to you and your family.
Services Include
- Financial PlanningFootnote1
- Professional Portfolio ManagementFootnote2
- Sustainable InvestingFootnote3
- Planning for Education FundingFootnote4
- Retirement PlanningFootnote5
- Long Term Care InsuranceFootnote6
- Estate Planning StrategiesFootnote7
- Divorce Financial AnalysisFootnote8
- Trust ServicesFootnote9
- Business PlanningFootnote10
- 401(k) Rollovers
Securities Agent: TX, NE, LA, FL, WI, WA, NH, DC, CT, CO, WY, OR, OK, MD, MI, IL, AZ, VA, KY, IN, OH, MT, MA, DE, CA, SC, AL, PA, NY, NJ, KS, TN, NC, MS, MN, GA, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 1262285
NMLS#: 1262285
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
We make your priorities our priorities. We leverage our years of experience, along with the premium resources of Morgan Stanley, to create a comprehensive wealth strategy that is uniquely yours. We are committed to the following core values and they serve as the foundation of our practice.
Passion and Attention to Detail
We guide you in making decisions about your wealth through recommendations and a concierge service model. We begin with a deep understanding of what’s important to you and your family. This serves as the foundation for the development of a comprehensive plan that includes important strategies that seek to manage taxes, save for retirement, invest for your future, and leave a lasting legacy.
The Skills To Cut through Complexity
Our astute problem-solving skills coupled with an impassioned willingness to roll up our sleeves and identify forward-thinking strategies that can help address your particular objectives. We believe the more complex your situation, the more valuable we are to you, and the more rewarding your overall experience can be.
Caring Relationships
We enjoy building longstanding relationships with our clients. We do this by working with a select group of clients who value our depth of knowledge and experience in providing comprehensive strategies that go well beyond investments. The relationships we form with our clients are fundamental to our mission, and it is our goal they span generations.
Click Here to View Our Advice Matters VideoThe Wisdom To Achieve Results:
Rachel's professional designations include CERTIFIED FINANCIAL PLANNER™, Chartered Retirement Planning Counselor® and Certified Divorce Financial Analyst®. She earned her MBA in Finance from Temple University and is a Wealth Advisor and Senior Portfolio Manager at Morgan Stanley. These credentials enable us to offer innovative thinking based on industry best practices.
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.
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.
Rachel R. Cohen, CFP®, CRPC®, CDFA®
Executive Director | Wealth Advisor | Senior Portfolio Manager Director | Alternative Investment Director | Senior Investment Management Consultant | Lending Specialist
Rachel provides customized advice and wealth management solutions to individuals, business leaders and multi-generational families. She helps them manage their financial assets so they can focus on the areas of their life that bring them joy, meaning and purpose.
After graduating from Penn State University in 1990, Rachel began her career at Merrill Lynch as a Financial Advisor. It is here where she discovered that finance was her true passion. With a commitment to ongoing education, she continued her studies at night, earning an MBA in Finance at Temple University. In 2009, she joined Morgan Stanley’s global headquarter offices to have immediate access to the firm’s thought leaders and analysts.
Rachel’s dedication to her clients is equaled only by her focus on her family and community. She serves on the Parent Council at the University of Pennsylvania, among other committees, and since 2005, she has been an active volunteer with Simon’s Heart. Rachel was recognized as “Best in State Wealth Advisor” & “Top Woman Wealth Advisor” by Forbes in 2020-2023 and “Top Wealth Advisors Mom” by Working Mother and SHOOK Research in 2017-2021.
Rachel resides in Whitemarsh with her husband and two sons. Outside of the office, she enjoys real estate, spending time with her family and friends, and traveling.
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
Rachel provides customized advice and wealth management solutions to individuals, business leaders and multi-generational families. She helps them manage their financial assets so they can focus on the areas of their life that bring them joy, meaning and purpose.
After graduating from Penn State University in 1990, Rachel began her career at Merrill Lynch as a Financial Advisor. It is here where she discovered that finance was her true passion. With a commitment to ongoing education, she continued her studies at night, earning an MBA in Finance at Temple University. In 2009, she joined Morgan Stanley’s global headquarter offices to have immediate access to the firm’s thought leaders and analysts.
Rachel’s dedication to her clients is equaled only by her focus on her family and community. She serves on the Parent Council at the University of Pennsylvania, among other committees, and since 2005, she has been an active volunteer with Simon’s Heart. Rachel was recognized as “Best in State Wealth Advisor” & “Top Woman Wealth Advisor” by Forbes in 2020-2023 and “Top Wealth Advisors Mom” by Working Mother and SHOOK Research in 2017-2021.
Rachel resides in Whitemarsh with her husband and two sons. Outside of the office, she enjoys real estate, spending time with her family and friends, and traveling.
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
In The Press
Forbes Best-In-State Wealth Advisor 2020-2024
Forbes Best In State Wealth Wealth Management Teams 2024-2025
Forbes Top Women Wealth Advisors Best-In- State 2020-2024
Five Star Wealth Manager Award Winner 2019-2024
Named one of Top Wealth Advisor Moms 2017-2021 as Published in Working Mother
The Philadelphia Magazine 2009-2015 Five Star Wealth Managers
Named Best Financial Advisor for Women in Philadelphia Magazine 2016
Philadelphia Financial Promotion - Forbes Magazine 2011
Philadelphia's 2011 Premier Wealth Advisors
Scholar's Choice Top 100 Advisor Recognition 2019
Main Line Today Magazine, Top Financial Advisors January 2012 issue
NABCAP Premier Advisor 2010-2011
Platinum Advisor 2015
Morgan Stanley Master's Club 2018, 2019, 2020, 2021, 2022
Chosen for the 2011 edition of the Women's Yellow Pages- Women of Accomplishment
2020- 2024 Forbes Best in State Wealth Advisor
Source: Forbes.com (Awarded 2020-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award
2024-2025 Forbes Best in State Wealth Management Teams
Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award
2020-2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2020-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2020-2024****Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2020-2024) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
2017-2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2017-2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
Forbes Best In State Wealth Wealth Management Teams 2024-2025
Forbes Top Women Wealth Advisors Best-In- State 2020-2024
Five Star Wealth Manager Award Winner 2019-2024
Named one of Top Wealth Advisor Moms 2017-2021 as Published in Working Mother
The Philadelphia Magazine 2009-2015 Five Star Wealth Managers
Named Best Financial Advisor for Women in Philadelphia Magazine 2016
Philadelphia Financial Promotion - Forbes Magazine 2011
Philadelphia's 2011 Premier Wealth Advisors
Scholar's Choice Top 100 Advisor Recognition 2019
Main Line Today Magazine, Top Financial Advisors January 2012 issue
NABCAP Premier Advisor 2010-2011
Platinum Advisor 2015
Morgan Stanley Master's Club 2018, 2019, 2020, 2021, 2022
Chosen for the 2011 edition of the Women's Yellow Pages- Women of Accomplishment
2020- 2024 Forbes Best in State Wealth Advisor
Source: Forbes.com (Awarded 2020-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award
2024-2025 Forbes Best in State Wealth Management Teams
Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award
2020-2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2020-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2020-2024****Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2020-2024) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
2017-2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2017-2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
Client Service Team
Casey A. Dearth - Assistant Vice President, Wealth Advisor Associate
Phone:
(610) 260-7132(610) 260-7132
Email:casey.dearth@morganstanley.com
Casey Dearth joined Morgan Stanley in 2015 bringing with him varied financial experience from TD Bank, Raymond James and New York Life. From New York, NY, Casey brings with him a passion for fast-paced business and finance. Casey's attention-to-detail and professionalism transcends everything he does. Casey earned his Bachelors in Business Administration in Finance from Stetson University.
Tiffany Bechtel - Client Service Associate
Phone:
(610) 940-5005(610) 940-5005
Email:Tiffany.Bechtel@morganstanley.com
Tiffany comes to us with over 20 years of experience in the financial industry. She started her career in 1997 working for Merrill Lynch. For the past 10 years she ran an office for a Registered Investment Advisory Firm and a Broker/Dealer firm by helping clients with all of their administrative and operational needs as well as supporting her team of advisors and coworkers.
When not working, Tiffany loves to read, go to the beach and be with her family.
When not working, Tiffany loves to read, go to the beach and be with her family.
Virginia Rockey - Registered Client Service Associate
Phone:
(610) 940-5028(610) 940-5028
Email:Virginia.Rockey@morganstanley.com
Virginia joined the team as a Registered Client Service Associate in April of this year and is excited to get started. She graduated from Rutgers University and just recently moved to the Philadelphia area.
Prior to joining Morgan Stanley, Virginia worked as a Senior Investment Specialist at Merrill. In her role there, she nurtured existing relationships and helped solidify new clients through service and product knowledge. Outside the office, Virginia enjoys writing, roller skating, and finding new cafés and restaurants to frequent with her friends.
Prior to joining Morgan Stanley, Virginia worked as a Senior Investment Specialist at Merrill. In her role there, she nurtured existing relationships and helped solidify new clients through service and product knowledge. Outside the office, Virginia enjoys writing, roller skating, and finding new cafés and restaurants to frequent with her friends.
Serena Mao - Registered Client Service Associate
Phone:
(610) 940-5033(610) 940-5033
Email:Serena.Mao@morganstanley.com
Prior to joining the team Serena was the Wealth Advisor Associate for the Greater Philadelphia market, successfully serving over 200 regional financial advisors and partnering with advisors to improve their financial planning process to better serve their clients. Before Morgan Stanley, she comes from an extensive background in corporate retail buying and sales.
She is a graduate from Saint Joseph’s University with a degree in Marketing and Finance. Serena currently resides in Conshohocken prioritizing spending time with friends and family. In her free time, she likes to stay active, and as a former gymnast, now volunteers to train Special Olympics gymnasts.
She is a graduate from Saint Joseph’s University with a degree in Marketing and Finance. Serena currently resides in Conshohocken prioritizing spending time with friends and family. In her free time, she likes to stay active, and as a former gymnast, now volunteers to train Special Olympics gymnasts.
Fabienne Sarnecki - First Vice President, Private Banker
Fabienne Sarnecki is a Private Banker serving Morgan Stanley Wealth Management offices in Pennsylvania.
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.
Fabienne began her career in financial services in 2009, and joined Morgan Stanley in 2016 as a Regional Analyst. Prior to joining the firm, she was an Internal Wholesaler at Lincoln Financial Group as well as an Account Manager & Marketing Coordinator at Navidor Merchant Services.
Fabienne is a graduate of New York University where she received a Bachelor of Arts in Economics. She lives in Wayne, Pennsylvania with her family. Outside of the office, Fabienne enjoys running, hiking, exploring new types of cuisines and traveling 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.
Fabienne began her career in financial services in 2009, and joined Morgan Stanley in 2016 as a Regional Analyst. Prior to joining the firm, she was an Internal Wholesaler at Lincoln Financial Group as well as an Account Manager & Marketing Coordinator at Navidor Merchant Services.
Fabienne is a graduate of New York University where she received a Bachelor of Arts in Economics. She lives in Wayne, Pennsylvania with her family. Outside of the office, Fabienne enjoys running, hiking, exploring new types of cuisines and traveling with her family.
Pelican Group - Strategic Partner
Our Strategic Partners who manage our allocation to Covered Call Writing. They generate income on a portfolio of large cap stocks using proven and audited covered call writing strategies
Steven Topley - Insurance Solutions Director
Develop and execute strategies for driving visibility and access of annuity and insurance products. Stephen is skilled in growing business, developing relationships, and servicing a broad client base.
Location
100 Front St
Ste 600
West Conshohocken, PA 19428
US
Direct:
(610) 260-7385(610) 260-7385
Toll-Free:
(800) 347-4305(800) 347-4305
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
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
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 Rachel R. Cohen today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
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’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.
3Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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.
9Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
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’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.
3Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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.
9Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
