Wilson Calansingin
Associate Private Banker
Randy Norris
Senior Vice President,
Financial Advisor,
Family Wealth Advisor,
Investing with Impact Director
Direct:
(509) 751-4203(509) 751-4203
Toll-Free:
(800) 995-9194(800) 995-9194
My Mission Statement
Committed to growing and preserving your wealth,
so you can focus on what brings true meaning to your life.
so you can focus on what brings true meaning to your life.
Helping You Manage Your Wealth & Achieve Your Life Goals
I’m honored to serve an exceptional group of people. Many of my clients are in or approaching retirement and want to enjoy life without financial worry. Others are facing a life-changing event and need guidance reworking their finances for the road ahead. I also enjoy helping community leaders and organizations implement sustainable strategies that align investments with mission and values. As an experienced Family Wealth Advisor, I begin by listening carefully—learning what matters most to you and your family, the values that shape your decisions, and the circumstances unique to your situation—so we can create a plan that is both personal and practical.
While our office is located in the Clarkston, Washington–Lewiston, Idaho area, we serve families and business owners throughout Eastern Washington and Northwest Idaho—from the Tri-Cities (Kennewick, Pasco, and Richland) through Pullman–Moscow and across the greater Boise area. We also work with clients nationwide, delivering the resources, capabilities, and insights of a leading wealth management firm while staying grounded in the real-world needs of the communities we call home in Washington and Idaho.
To schedule a complimentary, no-obligation consultation, please click the blue “Contact Us” button above or call 509-751-4205. We look forward to learning whether we’re the right team for you and your goals.
While our office is located in the Clarkston, Washington–Lewiston, Idaho area, we serve families and business owners throughout Eastern Washington and Northwest Idaho—from the Tri-Cities (Kennewick, Pasco, and Richland) through Pullman–Moscow and across the greater Boise area. We also work with clients nationwide, delivering the resources, capabilities, and insights of a leading wealth management firm while staying grounded in the real-world needs of the communities we call home in Washington and Idaho.
To schedule a complimentary, no-obligation consultation, please click the blue “Contact Us” button above or call 509-751-4205. We look forward to learning whether we’re the right team for you and your goals.
Services Include
Securities Agent: RI, AL, MT, VI, NY, DC, VA, MI, IL, MD, UT, MN, CT, NE, OH, NM, WA, DE, WV, CA, OK, NJ, AR, LA, OR, NC, IN, TN, MA, SD, GA, CO, MO, WY, PR, ME, AZ, FL, KY, MS, VT, ND, NH, HI, ID, PA, IA, WI, SC, TX, NV, AK, KS; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1290654
NMLS#: 1290654
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
About Randy Norris
I’m Randy Norris, and I’m a wealth management professional who helps individuals, families, and business owners make confident decisions through life’s biggest financial transitions.
Because my father served in the U.S. Navy, I grew up moving frequently and learning how to adapt quickly to new places and new people. Living in a variety of communities—from Utah and Connecticut to Scotland—shaped my perspective early. It taught me the value of discipline, responsibility, and staying open-minded, and those lessons still guide the way I work with clients today.
I began my career in pharmaceutical sales at Merck & Company, where I discovered that what I enjoyed most was helping people directly—listening, solving problems, and building trust over time. That realization ultimately led me to wealth management, where I could have an even more personal, long-term impact on people’s lives.
I joined Morgan Stanley in 2010 and have been proud to build my career there—serving as both a Financial Advisor and a Branch Manager in Kennewick, Washington and Boise, Idaho. Over time, I made a deliberate decision to focus my practice on helping clients navigate complex financial moments with clarity and purpose. That commitment is also what brought me to Clarkston, Washington, where I’m honored to serve this community while also working with clients across the country.
One of the most meaningful parts of my work is helping clients plan for significant liquidity events—such as retirement, the sale of a business, or other major financial milestones. I enjoy helping people think through how to responsibly use what they’ve built to support the life they want, while also planning for the legacy they hope to leave to the people and organizations that matter most to them.
Outside of the office, I’m married to Lee Ann, who grew up in the LC Valley. We have two adult children, and it’s been a joy to watch them begin building their own families. We appreciate the quieter life in Clarkston, and when we’re not spending time with family, you can often find us enjoying the outdoors—especially in the saddle on our horses, Alibi and Gus.
I look forward to learning more about your story and helping you define—and pursue—your personal vision of financial success.
Because my father served in the U.S. Navy, I grew up moving frequently and learning how to adapt quickly to new places and new people. Living in a variety of communities—from Utah and Connecticut to Scotland—shaped my perspective early. It taught me the value of discipline, responsibility, and staying open-minded, and those lessons still guide the way I work with clients today.
I began my career in pharmaceutical sales at Merck & Company, where I discovered that what I enjoyed most was helping people directly—listening, solving problems, and building trust over time. That realization ultimately led me to wealth management, where I could have an even more personal, long-term impact on people’s lives.
I joined Morgan Stanley in 2010 and have been proud to build my career there—serving as both a Financial Advisor and a Branch Manager in Kennewick, Washington and Boise, Idaho. Over time, I made a deliberate decision to focus my practice on helping clients navigate complex financial moments with clarity and purpose. That commitment is also what brought me to Clarkston, Washington, where I’m honored to serve this community while also working with clients across the country.
One of the most meaningful parts of my work is helping clients plan for significant liquidity events—such as retirement, the sale of a business, or other major financial milestones. I enjoy helping people think through how to responsibly use what they’ve built to support the life they want, while also planning for the legacy they hope to leave to the people and organizations that matter most to them.
Outside of the office, I’m married to Lee Ann, who grew up in the LC Valley. We have two adult children, and it’s been a joy to watch them begin building their own families. We appreciate the quieter life in Clarkston, and when we’re not spending time with family, you can often find us enjoying the outdoors—especially in the saddle on our horses, Alibi and Gus.
I look forward to learning more about your story and helping you define—and pursue—your personal vision of financial success.
Your Questions Answered
From buying a home to enjoying retirement, I am here to not only answer your financial questions, but help you implement the best strategies for your specific goals and circumstances. Here are just some of the questions I help my clients answer every day.
Life Events
Life is constantly changing. How do I prepare for a more secure future knowing that certain events can alter my plans?
Investing
I have so many things I want to do with my life. How can one investment strategy balance them all?
Cash Flow
I can predict some, but not all of my expenses. How do I invest for the future, but have the cash on hand I need for today?
Tax Strategies
How can I reduce the amount of taxes I pay while staying fully invested?
College Funding
Will I be able to send my children to the colleges of their choice, while being able to save for other long-term goals?
Retirement
I don’t want to become a burden to my children later in life. How do I plan for retirement, so I can maintain my current lifestyle without worrying I’ll run out of money?
Post-Divorce Planning
How do I prepare for a more secure future for me and my children if I get divorced?
Growing Older
Given extended life expectancy, how do I make sure I can afford the health services I may need?
Estate Planning
Making sure my estate goes to the people and organizations I care about is important to me. How do I leave a lasting legacy?
Business Strategies
How do I manage by personal wealth with so much of my money tied up in my business?
Doing Well by Doing Good
Investors of all demographics are seeking new and meaningful ways to create positive economic, social and environmental impact through the investments they make in their portfolio.
This discipline is often referred to as “Impact Investing,” “Sustainable Investing” and “Socially-Responsible Investing.” It focuses on aligning financial goals – which are driven by economic fundamentals – with impact goals – which are driven by personal values and mission.
As an Investing with Impact Director at Morgan Stanley—part of a select group of advisors with this designation—I can help you integrate impact investing themes across your entire portfolio or in select allocations, utilizing a broad array of specialized strategies and techniques. If this approach is of interest to you, I can help you get started.
This discipline is often referred to as “Impact Investing,” “Sustainable Investing” and “Socially-Responsible Investing.” It focuses on aligning financial goals – which are driven by economic fundamentals – with impact goals – which are driven by personal values and mission.
As an Investing with Impact Director at Morgan Stanley—part of a select group of advisors with this designation—I can help you integrate impact investing themes across your entire portfolio or in select allocations, utilizing a broad array of specialized strategies and techniques. If this approach is of interest to you, I can help you get started.
Screening Out
Managing exposure to particular investments by intentionally avoiding those that generate income from objectionable activities, sectors or geographies.
Screening In
Focusing on themes and sectors dedicated to solving sustainability-related domestic and global challenges.
ESG Integration
Proactively considering Environmental, Social and Governance (ESG) criteria when identifying opportunities and risks during the investment selection process.
Direct Investments
Investing directly in private enterprises that are structured to deliver specific positive social and/or environmental.
Valuable Tools & Resources
I believe financial education leads to better insights into my investment strategy and discipline, and ultimately, better long-term results. As a result, I am committed to providing you with important information about managing your wealth more effectively in today’s global markets.
The following resources support my wealth management philosophy and investment strategies. I’ve provided easy links to these materials and hope you will return often to learn more about a variety of topics that can help you organize and manage your finances more effectively.
The following resources support my wealth management philosophy and investment strategies. I’ve provided easy links to these materials and hope you will return often to learn more about a variety of topics that can help you organize and manage your finances more effectively.
5 Cybersecurity Habits to Help You Protect Your Wealth
In a world of increasing cybersecurity risks, keeping good digital hygiene should be a matter of routine.
Eight Long-Term Trends for Growth Investors
By tilting your portfolio toward these key themes, you may be able to generate higher returns and avoid industries poised to shrink
Client Service Team
Raquel Pederson - Registered Client Service Associate, Portfolio Associate
Phone:
(509) 751-4205(509) 751-4205
Email:raquel.pederson@morganstanley.com
Raquel moved to the LC Valley in 1996 after attending the University of Idaho and Lewis Clark State College. She was a medical administrative assistant for 23 years before coming to work at Morgan Stanley in 2017. Raquel and her husband have two children, they enjoy golfing, boating and hiking.
Location
500 108th Ave NE
Ste 1900
Bellevue, WA 98004
US
Direct:
(509) 751-4203(509) 751-4203
Toll-Free:
(800) 995-9194(800) 995-9194
Fax:
(208) 338-2750(208) 338-2750
518 Diagonal Street
Clarkston, WA 99403
US
Direct:
(509) 751-4203(509) 751-4203
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
About Wilson Calansingin
Wilson Calansingin is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Washington State.
Associate Private Bankers partner with Private Bankers and 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.
Wilson began his career in financial services in 2006, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
Wilson is a graduate of Ateneo de Manila University, where he received a Business Management degree with a focus in Finance. He lives in Tacoma, Washington. Outside of the office, Wilson enjoys golfing.
Associate Private Bankers partner with Private Bankers and 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.
Wilson began his career in financial services in 2006, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
Wilson is a graduate of Ateneo de Manila University, where he received a Business Management degree with a focus in Finance. He lives in Tacoma, Washington. Outside of the office, Wilson enjoys golfing.
NMLS#: 711776
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
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
Wealth Management
From My Desk
5 Steps to Create a Budget
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
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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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Ready to start a conversation? Contact Randy Norris today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley 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.
5Morgan 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.
6Morgan 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.
7Investing 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.
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.
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.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley 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.
5Morgan 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.
6Morgan 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.
7Investing 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.
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.
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)
