Megan Cornille
Private Banker
Rafael A De Vengoechea
Managing Director, Wealth Management,
Financial Advisor,
Senior Portfolio Management Director,
Family Wealth Director,
Workplace Advisor - Equity Compensation,
Financial Planning Specialist,
Lending Specialist
Direct:
(949) 717-5461(949) 717-5461
Toll-Free:
(800) 927-2292(800) 927-2292
My Mission Statement
To provide resource-based advice on your critical financial matters while guiding you and your family through the different chapters of your financial life
My Story and Services
With 25 years of experience in the financial services industry, Raf applies a research-driven process to managing custom portfolios for high-net worth individuals and families on a discretionary basis, as appropriate. He helps clients strive toward their goals with a disciplined money management strategy focused on changes in future expectations.
Raf began his financial services career at Merrill Lynch in 1999 and joined Morgan Stanley in 2007. He was accepted into Morgan Stanley’s Portfolio Management Group in 2008. Raf earned his Bachelor’s degree in international affairs with a minor in economics from the University of Colorado.
A native of Weston, Connecticut, Raf currently lives in Newport Beach, California, with his wife, Aleece, and their two children. His top priorities are family and work, and in his spare time, he enjoys fitness, traveling, golfing, hiking and skiing.
Raf began his financial services career at Merrill Lynch in 1999 and joined Morgan Stanley in 2007. He was accepted into Morgan Stanley’s Portfolio Management Group in 2008. Raf earned his Bachelor’s degree in international affairs with a minor in economics from the University of Colorado.
A native of Weston, Connecticut, Raf currently lives in Newport Beach, California, with his wife, Aleece, and their two children. His top priorities are family and work, and in his spare time, he enjoys fitness, traveling, golfing, hiking and skiing.
Securities Agent: GA, NC, MD, MA, KY, IL, HI, DC, CO, SC, NH, LA, ID, CT, OR, AZ, WV, UT, NY, NE, MN, ME, NM, FL, TX, NV, MO, MI, AR, WY, NJ, KS, IN, IA, WI, SD, DE, VA, PA, OK, CA, AL, WA, TN, OH; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1312622
CA Insurance License #: 0C84852
NMLS#: 1312622
CA Insurance License #: 0C84852
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Education and Licensing
- BA - International Affairs (Major) / Economics (Minor), 1996 University of Colorado Boulder
- Series 65 - Investment Advisory Agent, 2005
- Series 66 - Combined Investment Advisory Agent & Uniform State Exam, 1999
- Series 7 - General Securities Representative, 1999
Planning Your Future
Our team will work with you to clarify your priorities during these pivotal years and put a personalized strategy in place. Whether you're preparing for moving into retirement, or already managing you assets in retirement, we have the experience and resources to help you pursue your financial and personal goals
Take Care of Tomorrow, So Your Employees Can Take Charge of Today
For your employees, retirement is more than a date in the future—it’s a milestone that takes time, hard work and the right tools to achieve. Our team works with companies of all sizes to provide a comprehensive suite of solutions and investment experience to help you with your investment responsibilities and help your employees achieve their goals.
Learn More
Road to Retirement
Whatever lifestyle you envision for retirement, it’s essential to plan ahead so that your retirement savings will last
Learn More
Protecting Your Retirement From Market Volatility
The unpredictability of financial markets can disrupt even the best-laid retirement plans. These five strategies may help investors stay on track.
Learn More
Investing in the 'Age of Aging'
The world is getting older. From tech-enabled “aging in place” services to multigenerational wealth transfer, discover the sectors poised to benefit from the rise of senior consumers.
Learn MoreOur Investment Strategy
“All stocks have everything to do with the future and nothing to do with past.”
- Rafael de Vengoechea
Our Approach
We customize portfolios using an Earnings Revision Strategy that can be applied to Growth or Income & Growth portfolios. Our objective is to help you become a long-term investor with a sell discipline, so you have the potential to benefit from the long-term impact of earnings growth on stock prices over time.
Growth Strategy
The focus of the Growth Strategy is to buy and hold companies where profit projections are increasing as measured by analyst revisions. Stocks are sold when profit projections decrease to avoid fundamental deterioration, or if a stock trades at a premium to intrinsic value calculations. Clients in the Growth Strategy are looking for growth of principal and are willing to accept volatility to achieve results.
Income & Growth Strategy
The Income & Growth Strategy seeks to provide income by buying income-producing securities while capturing growth through changes in analyst’s earnings and dividend expectations. The Strategy seeks to provide a customized income stream to clients by investing in equities, fixed income and alternative investments. Clients in this strategy are looking for growth of principal with varying levels of income and are willing to accept volatility of principal to meet their income and growth objectives.
- Rafael de Vengoechea
Our Approach
We customize portfolios using an Earnings Revision Strategy that can be applied to Growth or Income & Growth portfolios. Our objective is to help you become a long-term investor with a sell discipline, so you have the potential to benefit from the long-term impact of earnings growth on stock prices over time.
Growth Strategy
The focus of the Growth Strategy is to buy and hold companies where profit projections are increasing as measured by analyst revisions. Stocks are sold when profit projections decrease to avoid fundamental deterioration, or if a stock trades at a premium to intrinsic value calculations. Clients in the Growth Strategy are looking for growth of principal and are willing to accept volatility to achieve results.
Income & Growth Strategy
The Income & Growth Strategy seeks to provide income by buying income-producing securities while capturing growth through changes in analyst’s earnings and dividend expectations. The Strategy seeks to provide a customized income stream to clients by investing in equities, fixed income and alternative investments. Clients in this strategy are looking for growth of principal with varying levels of income and are willing to accept volatility of principal to meet their income and growth objectives.
Client Service Team
Tammy L Jau - Assistant Vice President, Wealth Management Associate
Phone:
(949) 717-5344(949) 717-5344
Email:tammy.p.li@morganstanley.com
Tammy joined the financial services industry in 2005, and has been working with Raf ever since. She focuses on relationship building, portfolio analysis and all aspects of client service. Her efficiency, organization and attention to detail help us earn the trust and confidence of our clients.
Tammy earned her B.S. in economics with a minor in management from the University of California, Irvine and her MBA in finance from California State University, Fullerton.
Born in Taipei, Taiwan, Tammy now lives in Ladera Ranch, California, with her husband and son. In her free time, she enjoys spending time with her family and loves food, traveling and yoga.
Tammy earned her B.S. in economics with a minor in management from the University of California, Irvine and her MBA in finance from California State University, Fullerton.
Born in Taipei, Taiwan, Tammy now lives in Ladera Ranch, California, with her husband and son. In her free time, she enjoys spending time with her family and loves food, traveling and yoga.
Andrea Vu, Financial Planning Specialist - Portfolio Associate
Phone:
(949) 717-5325(949) 717-5325
Email:andrea.vu@morganstanley.com
Andrea joined The Harbor Island Group in 2019. She is focused on client support, account administration, and relationship development. Andrea enjoys working directly with clients and strives to always provide an exceptional service experience.
Andrea is a graduate of the University of California, Irvine with a Bachelor’s degree in Literary Journalism.
Andrea was born and raised in Orange County. In her free time she enjoys cooking, hiking, golfing, and traveling.
Andrea is a graduate of the University of California, Irvine with a Bachelor’s degree in Literary Journalism.
Andrea was born and raised in Orange County. In her free time she enjoys cooking, hiking, golfing, and traveling.
Kathy Robertson - Portfolio Associate
Phone:
(949) 760-2430(949) 760-2430
Email:Kathy.Robertson@morganstanley.com
Kathy is a Portfolio Associate with The Harbor Island Group at Morgan Stanley, providing dedicated service coverage for Financial Advisors and their clients. In this role, Kathy supports the onboarding and maintenance of client accounts, accepts and enters client orders, and strives to deliver exceptional service focused on helping build and protect clients’ wealth.
Kathy joined The Harbor Island Group in April 2026 and has been part of the financial services industry since 1983. Prior to joining Morgan Stanley in 2012, Kathy held roles with Merrill Lynch in Charleston, South Carolina and Los Angeles, California, as well as Prudential Securities in Newport Beach, California.
A graduate of Clark Atlanta University in Atlanta, Georgia, Kathy earned a bachelor’s degree in Business Administration. Born and raised in Kingstree and Charleston, South Carolina, Kathy currently resides in Orange, California.
Outside of work, Kathy enjoys touring old and new homes, with a particular appreciation for historic homes of the South.
Kathy joined The Harbor Island Group in April 2026 and has been part of the financial services industry since 1983. Prior to joining Morgan Stanley in 2012, Kathy held roles with Merrill Lynch in Charleston, South Carolina and Los Angeles, California, as well as Prudential Securities in Newport Beach, California.
A graduate of Clark Atlanta University in Atlanta, Georgia, Kathy earned a bachelor’s degree in Business Administration. Born and raised in Kingstree and Charleston, South Carolina, Kathy currently resides in Orange, California.
Outside of work, Kathy enjoys touring old and new homes, with a particular appreciation for historic homes of the South.
Location
800 Newport Center Dr.
Ste 500
Newport Beach, CA 92660
US
Direct:
(949) 717-5461(949) 717-5461
Toll-Free:
(800) 927-2292(800) 927-2292
Fax:
(949) 640-6124(949) 640-6124
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
Elsa Kevorkian
Planning Associate
About Megan Cornille
Megan Cornille is a Private Banker serving Morgan Stanley Wealth Management offices in California.
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.
Megan began her career in financial services in 2010, and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm,
she was a Private Client Banker at JP Morgan Chase. She also served as a Personal Banker at U.S. Bank.
Megan is a graduate of the University of California - Irvine, where she received a Bachelor of Science in Molecular Biology. She lives in Torrance,
California with her family. Outside of the office, Megan enjoys running,
traveling with her family and volunteering at her son’s school.
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.
Megan began her career in financial services in 2010, and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm,
she was a Private Client Banker at JP Morgan Chase. She also served as a Personal Banker at U.S. Bank.
Megan is a graduate of the University of California - Irvine, where she received a Bachelor of Science in Molecular Biology. She lives in Torrance,
California with her family. Outside of the office, Megan enjoys running,
traveling with her family and volunteering at her son’s school.
NMLS#: 606638
About Elsa Kevorkian
Elsa Kevorkian is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, she collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, she will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Elsa provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
She earned her undergraduate degree from Northeastern University and received the Financial Planning Specialist® designation from the College for Financial Planning. Elsa is originally from Westchester, NY and currently resides in New York City.
She earned her undergraduate degree from Northeastern University and received the Financial Planning Specialist® designation from the College for Financial Planning. Elsa is originally from Westchester, NY and currently resides in New York City.
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
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.
When 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.
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
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.
When 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.
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- 401(k) Rollovers
- IRA Plans
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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
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Ready to start a conversation? Contact Rafael A De Vengoechea today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
3Alternative 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.
4Morgan 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.
5Morgan 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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
3Alternative 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.
4Morgan 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.
5Morgan 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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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)
