Mark Treese
Senior Private Banker
Rachel Irwin, CFP®, QPFC
Senior Vice President,
Financial Advisor,
Financial Planning Specialist
Direct:
(423) 230-2384(423) 230-2384
My Mission Statement
A trusted source of guidance for families - integrating disciplined wealth management, proactive tax strategy, and intentional legacy planning to steward resources and empower future generations
My Story and Services
Rachel helps multi-generational families and retirees build, preserve and transfer wealth with confidence. A CPA (not-practicing at Morgan Stanley) by training and a former private markets CFO, she brings deep experience in tax-efficient investment strategies and investment management, working with families to execute plans that align immediate priorities with enduring legacies. Her experience in Fortune 500 management adds strategic rigor, disciplined oversight, and sophisticated decision-making to complex family finances. With nearly three decades of experience in finance and an unwavering commitment to long-term relationships, Rachel provides a steady wellspring of guidance through evolving life stages, generational transitions, and moments of complexity – seeking to ensure decisions today strengthen the foundation for tomorrow.
Rachel is passionate about family, community and empowering others to live with purpose and financial confidence. She actively supports local charities focused on financial and physical wellness, as well as initiatives that advance opportunities for integrity-driven professionals. A former Board Member and ongoing supporter of the Appalachian Opportunity Fund, Rachel champions programs that help individuals pursue financial freedom through personalized coaching. She is involved in her church in Johnson City, and supports the Summit Leadership Foundation. Her past leadership roles include serving as Treasurer for a local cancer foundation and as Board Member of the YMCA.
Outside of her professional and volunteer commitments, Rachel enjoys staying active through exercise, hiking, kayaking, and she enjoys camping or spending time in the beautiful outdoors. She treasures time with her husband, Rusty, and nearly grown children Blake (& Avery) and Tinsley Grace.
Licenses & Education
• Bachelor of Science, University of Tennessee at Chattanooga, TN
• Certified Public Accountant (not-practicing at Morgan Stanley)
• CERTIFIED FINANCIAL PLANNER®
• Series 7 & 66 Registered
• Life & Health Insurance Licensed - CO, GA, KY, MD, MI, NC, NE, SC, SD, TN, VA
Rachel is passionate about family, community and empowering others to live with purpose and financial confidence. She actively supports local charities focused on financial and physical wellness, as well as initiatives that advance opportunities for integrity-driven professionals. A former Board Member and ongoing supporter of the Appalachian Opportunity Fund, Rachel champions programs that help individuals pursue financial freedom through personalized coaching. She is involved in her church in Johnson City, and supports the Summit Leadership Foundation. Her past leadership roles include serving as Treasurer for a local cancer foundation and as Board Member of the YMCA.
Outside of her professional and volunteer commitments, Rachel enjoys staying active through exercise, hiking, kayaking, and she enjoys camping or spending time in the beautiful outdoors. She treasures time with her husband, Rusty, and nearly grown children Blake (& Avery) and Tinsley Grace.
Licenses & Education
• Bachelor of Science, University of Tennessee at Chattanooga, TN
• Certified Public Accountant (not-practicing at Morgan Stanley)
• CERTIFIED FINANCIAL PLANNER®
• Series 7 & 66 Registered
• Life & Health Insurance Licensed - CO, GA, KY, MD, MI, NC, NE, SC, SD, TN, VA
Securities Agent: KY, LA, CT, VA, NE, NC, OR, GA, NH, SC, MA, AL, SD, DC, TX, OH, NY, MI, MD, TN, IN, IL, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1894344
NMLS#: 1894344
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Client Service Team
Stacey Jones - Vice President, Wealth Management Associate
Stacey Jones is a Wealth Management Associate at Morgan Stanley and responsible for the day-to-day operations & administration of client accounts.
Her career began in 1992 at J. C. Bradford where she worked in several areas of client service including Receptionist, Cashier, Wire Operator and Client Service Associate. In 2002, Stacey became Operations Manager for the Kingsport, TN Branch of UBS Financial Services. Stacey joined Morgan Stanley in April of 2010 during the joint venture with Smith Barney as a Business Service Manager servicing the Kentucky/Tennessee/West Virginia Complex. She joined The Bays Mountain Group in November 2015.
Stacey makes her home in Church Hill, TN with her husband, Dave. They have two daughters and enjoy being outdoors, riding motorcycles and hiking.
Her career began in 1992 at J. C. Bradford where she worked in several areas of client service including Receptionist, Cashier, Wire Operator and Client Service Associate. In 2002, Stacey became Operations Manager for the Kingsport, TN Branch of UBS Financial Services. Stacey joined Morgan Stanley in April of 2010 during the joint venture with Smith Barney as a Business Service Manager servicing the Kentucky/Tennessee/West Virginia Complex. She joined The Bays Mountain Group in November 2015.
Stacey makes her home in Church Hill, TN with her husband, Dave. They have two daughters and enjoy being outdoors, riding motorcycles and hiking.
Renee Garber - Portfolio Associate
Renee Garber is a Portfolio Associate with Morgan Stanley Wealth Management and is responsible for day-to-day operations & administration of client accounts.
Renee has worked in the financial services industry over 33 years. She joined Morgan Stanley Wealth Management in 2009 as a Senior Registered Client Service Associate and became a Portfolio Associate in 2013. Her financial services career began at Heritage Federal Bank and Hilliard Lyons prior to working with the Waller/Cooper/Merritt/Stout team at UBS in 2002. She obtained her General Securities Representative license in 2005.
Renee enjoys the outdoors, especially hiking, kayaking and playing with her fur babies. She and her husband, Geoff, currently reside in Colonial Heights and have two daughters.
Renee has worked in the financial services industry over 33 years. She joined Morgan Stanley Wealth Management in 2009 as a Senior Registered Client Service Associate and became a Portfolio Associate in 2013. Her financial services career began at Heritage Federal Bank and Hilliard Lyons prior to working with the Waller/Cooper/Merritt/Stout team at UBS in 2002. She obtained her General Securities Representative license in 2005.
Renee enjoys the outdoors, especially hiking, kayaking and playing with her fur babies. She and her husband, Geoff, currently reside in Colonial Heights and have two daughters.
David Evans - Registered Client Service Associate
David is passionate about building meaningful relationships and supporting clients throughout their financial journey.
David Graduated from Tusculum University in 2025 with a degree in Accounting and Economics and a minor in Computer Science.
During his time at Tusculum, he was a four-year Student-athlete on the men's soccer team, where he was named South Atlantic conference Male Athlete of the Week.
With a strong foundation in finance and economics, paired with a love for problem-solving, David brings both analytical and people focused skills to the team.
He is committed to continuing his education to help serve clients on their journey towards their long-term financial goals.
Outside of work. David enjoys spending quality time with family and friends, reading fantasy novels, working out, and pursuing his hobby of Software development.
He values integrity, transparency, and building lasting relationship. He looks forward to helping clients navigate their financial futures.
David Graduated from Tusculum University in 2025 with a degree in Accounting and Economics and a minor in Computer Science.
During his time at Tusculum, he was a four-year Student-athlete on the men's soccer team, where he was named South Atlantic conference Male Athlete of the Week.
With a strong foundation in finance and economics, paired with a love for problem-solving, David brings both analytical and people focused skills to the team.
He is committed to continuing his education to help serve clients on their journey towards their long-term financial goals.
Outside of work. David enjoys spending quality time with family and friends, reading fantasy novels, working out, and pursuing his hobby of Software development.
He values integrity, transparency, and building lasting relationship. He looks forward to helping clients navigate their financial futures.
Location
8 Sheridan Square
Ste 300
Kingsport, TN 37660
US
Direct:
(423) 230-2384(423) 230-2384
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
Scott McCoy, CFP®
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Corporate Cash Investment Director, International Client Advisor
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director, International Client Advisor, Corporate Cash Investment Director
Mark Jansen
Family Office Resources Generalist
About Mark Treese
Mark Treese is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Kentucky, Tennessee, and West Virginia.
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.
Mark began his career in financial services in 1998 and joined Morgan Stanley in 2010. He recently served as a Senior Private Banker covering PWM, Buckhead and Atlanta Perimeter Markets. Prior to joining the firm, he was a Private Banker at Wells Fargo.
Mark is a graduate of the Pennsylvania State University, where he received a Bachelor of Science in Finance. He resides in Louisville, Kentucky with his family.
Outside of the office, Mark dedicates his time as a youth coach for Junior Golf and Little League and stays active with local community organizations, including the Boys Scouts of America. An avid golfer and former collegiate tournament winner, Mark also enjoys hiking, fishing, and skiing.
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.
Mark began his career in financial services in 1998 and joined Morgan Stanley in 2010. He recently served as a Senior Private Banker covering PWM, Buckhead and Atlanta Perimeter Markets. Prior to joining the firm, he was a Private Banker at Wells Fargo.
Mark is a graduate of the Pennsylvania State University, where he received a Bachelor of Science in Finance. He resides in Louisville, Kentucky with his family.
Outside of the office, Mark dedicates his time as a youth coach for Junior Golf and Little League and stays active with local community organizations, including the Boys Scouts of America. An avid golfer and former collegiate tournament winner, Mark also enjoys hiking, fishing, and skiing.
NMLS#: 799879
About Mark Jansen
Mark Jansen is a Family Office Resources Generalist for Morgan Stanley’s Family Office Resources, covering the Southeast Region. In this capacity, Mark provides specialized expertise to Financial Advisors and their UHNW clients across a broad range of family wealth management issues including; family governance and wealth education, strategic estate and financial planning, philanthropy management and lifestyle advisory. Mark has over 30 years of experience advising wealthy families, business owners, and their children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Morgan Stanley Wealth Management Financial Advisors can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Morgan Stanley Wealth Management Financial Advisors can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
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.
Wealth Management
From My Desk
How to Break the Ice Around Family Finances
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
Article Image
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
Article Image
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
Article Image
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
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Rachel Irwin 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 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.
3Morgan 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.
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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
6Morgan 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.
7Morgan 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.
8Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
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 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.
3Morgan 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.
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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
6Morgan 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.
7Morgan 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.
8Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
