Managing Director, Private Wealth Management, Private Wealth Advisor, Senior Portfolio Manager, Family Wealth Director
Phone:
(202) 292-5460(202) 292-5460
Morgan Stanley Private Wealth Management
Reim Moss Group
Direct:
(202) 292-5460(202) 292-5460
Our Mission Statement
Our job is to help protect and build your wealth. Our mission is to enrich your life.
Managing wealth is a challenge. Our process drives clarity and purpose into every aspect of your financial management.
Managing significant wealth is a challenge. There are a multitude of decisions each family is required to make including defining wise goals, choosing an appropriate portfolio strategy, structuring an estate, knowing if and when to transfer assets to the next generation, how and how much to dedicate towards philanthropy, aligning their portfolio with their moral principles, how to minimize taxes, and perhaps most important of all, how to raise the next generation of stewards to receive and manage significant wealth with prudence and wisdom.
The Reim Moss Group has a singular focus and mission: To help families design financial plans and portfolios that link their values, goals, and aspirations to every aspect of their financial life so that their family may life more fully, thrive, and flourish. Our aim is that every Reim Group family knows and understands the Why, What, and How behind every aspect of their financial management.
The Reim Moss Group has a singular focus and mission: To help families design financial plans and portfolios that link their values, goals, and aspirations to every aspect of their financial life so that their family may life more fully, thrive, and flourish. Our aim is that every Reim Group family knows and understands the Why, What, and How behind every aspect of their financial management.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
About PWM
Founded in 1977, Private Wealth Management is the division of Morgan Stanley Wealth Management that is dedicated to serving the firm’s most affluent clients, including some of the world’s most accomplished entrepreneurs, executives and stewards of multigenerational wealth. Functioning as an exclusive investment boutique within a global financial firm, we deliver sophisticated solutions that leverage the intellectual capital and insight of Morgan Stanley’s substantial global resources. Drawing on a deep understanding of your financial life, our goal is to help you:
- Manage investments with an unwavering focus on your financial strategy and personal goals
- Create comprehensive, multigenerational wealth management plans based on your needs, challenges and the values that guide your life and legacy
- Simplify financial complexity to help you achieve clarity and control
Private Wealth Management Highlights
- Approximately 300 teams specialized in assisting individuals and families with $20MM+ in investable assets
- Over $1.2 trillion in AUM
- Comprising 26% of the Barron’s Top 100 Financial Advisors list for 2025
- Direct access to ultra high net worth experts in philanthropy, family dynamics, wealth transfer, lifestyle advisory and other areas of interest to ultra high net worth families
1 Morgan Stanley Wealth Management, September 2025
Source: Barron's (Awarded March 2025) This ranking was determined based on an evaluation process conducted by Barron's for the period Oct 2023-Sept 2024. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on an algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the assessment of Barron's and may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
Our process links every aspect of your financial management with your vision, ideals and goals.
At Morgan Stanley, we believe that identifying financial solutions begins with a solid understanding of each client's situation, goals, needs, and risk tolerance. We follow a disciplined approach that allows us to work with you to craft a solution that helps meet your individual financial needs.
Step 1: Introductory Meeting & Assessment
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your current accounts helping ensure a comprehensive financial plan.
Step 4: Action Items / Next Steps
After the financial plan presentation, we will follow up with you regarding our analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits, and insurance coverage.
Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always being addressed.
Our role is to provide access to the skills and resources required to help you meet the myriad of challenges which come with managing wealth, allowing our clients to enjoy the benefits wealth affords.
Family Governance & Dynamics
For many UHNW clients, the most difficult wealth planning challenge they face relates not to their financial capital, but to their human capital. For these clients, their most daunting challenge involves managing the complex mix of issues relating to the impact that wealth has on their families.
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Strategic Estate and Financial Planning
The Wealth Planning Centers is a team within Morgan Stanley Wealth Management that serves as “virtual” team members for Financial Advisors to assist in creating tailored solutions to help preserve and transfer wealth.
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Lifestyle Advisory
We provide referrals to knowledgeable, highly personal assistance to help meet your exceptional needs from the everyday to the extraordinary.
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Investing With Impact
Managing significant wealth can make it
difficult to focus on what matters most to you: pursuing personal goals and family aspirations, exploring opportunities and living the life you envision.
Learn Moredifficult to focus on what matters most to you: pursuing personal goals and family aspirations, exploring opportunities and living the life you envision.
Account Security – Cybersecurity Brochure
At Morgan Stanley, protecting your assets and your personal and account information is an essential part of our commitment to helping you achieve your financial goals. Please take time to review these tips. For more information contact your Financial Advisor.
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Reim-Moss Equity Income
Reim-Moss Equity Income is a discretionary strategy designed to accomplish a combination of “income” and “sustainability” investment objectives. These objectives include maintaining the long-term value of portfolios after taxes, inflation and withdrawals for spending. The income priority of the strategy is managed by targeting the current yield of portfolios to match typical withdrawal rates of retirement portfolios. The benchmark of the portfolio is 60% S&P 500 and 40% Bloomberg Aggregate index.
Each portfolio typically holds 30 to 35 individual stocks and 15 to 20 income-oriented investments.
Learn MoreEach portfolio typically holds 30 to 35 individual stocks and 15 to 20 income-oriented investments.
Assessment Guide For Your Wealth Management Process
Wealth management is a process that includes several steps needed to help run smoothly. The assessment guide includes questions about experiences, beliefs, and outlook associated with each step of the process.
Managing your family’s assets begins with your outlook about the economy, politics, markets and other specific issues that are relevant to you. The assessment guide provides a framework to examine how beliefs influence your investment process.
Learn MoreManaging your family’s assets begins with your outlook about the economy, politics, markets and other specific issues that are relevant to you. The assessment guide provides a framework to examine how beliefs influence your investment process.
The Steps to Develop a Wealth Preservation Strategy
The notion of “prudent investing” keeps evolving, and this presentation describes the steps to be followed by someone serving in the role of a fiduciary seeking to establish an investment process.
We think the investment industry has promoted “diversification” as the cornerstone of a reasonable investment process and at the top of the hierarchy of priorities.
We argue the greater focus should be on a logical linkage between financial planning and the choice of an investment strategy, and active risk management.
Learn MoreWe think the investment industry has promoted “diversification” as the cornerstone of a reasonable investment process and at the top of the hierarchy of priorities.
We argue the greater focus should be on a logical linkage between financial planning and the choice of an investment strategy, and active risk management.
The Stock Market Story (2025)
A discussion of trends that may drive performance and other metrics of the stock market.
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Disclosures
This material is intended only for clients and prospective clients of the Portfolio Management program. It has been prepared solely for informational purposes only and is not an offer to buy or sell or a solicitation of any offer to buy or sell any security or other financial instrument, or to participate in any trading strategy.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
In this program the client pays a wrap fee to MSWM (the “MSWM Fee”), which covers MSWM investment advisory services, custody of securities (if we are the custodian), trade execution with or through MSWM, as well as compensation to any Financial Advisor. The Portfolio Management program fees are described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
The Standard & Poor's (S&P) 500 Index tracks the performance of 500 widely held, large-capitalization US stocks. An investment cannot be made directly in a market index.
This index provides a broad-based measure of the global investment-grade, fixed-rate debt markets. An investment cannot be made directly in a market index
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
In this program the client pays a wrap fee to MSWM (the “MSWM Fee”), which covers MSWM investment advisory services, custody of securities (if we are the custodian), trade execution with or through MSWM, as well as compensation to any Financial Advisor. The Portfolio Management program fees are described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
The Standard & Poor's (S&P) 500 Index tracks the performance of 500 widely held, large-capitalization US stocks. An investment cannot be made directly in a market index.
This index provides a broad-based measure of the global investment-grade, fixed-rate debt markets. An investment cannot be made directly in a market index
Location
1747 Pennsylvania Ave NW
Ste 900
Washington, DC 20006
US
Direct:
(202) 292-5460(202) 292-5460
Meet Reim Moss Group
First Vice President, Financial Advisor, Family Wealth Director, Workplace Advisor - Equity Compensation, Portfolio Management Director
Phone:
(202) 292-5436(202) 292-5436
Associate Vice President, Financial Advisor, Workplace Advisor - Equity Compensation
Phone:
(202) 993-0950(202) 993-0950
Joey Kelly
Registered Client Service Associate
Phone:
(202) 292-5463(202) 292-5463
Andrew Lowrie
Registered Client Service Associate
Phone:
(202) 292-5387(202) 292-5387
Gavin Lewis
Client Service Associate
About John Reim
John F. Reim is a Managing Director of Morgan Stanley’s Private Wealth Management division in Washington, D.C. Prior to joining Morgan Stanley in 1986, John earned his CPA designation working for Price Waterhouse as a senior staff accountant in Philadelphia, and earned an MBA in Finance from the University of Pennsylvania’s Wharton School in 1984. John graduated from Penn State with a B.S. and the Honors Program in Accounting in 1979.
John manages more than $900 million of client assets, providing discretionary separate account management services for families and trusts. John has been regularly listed (2018-2021) among top financial advisors in the United States based upon annual rankings published by Barron’s.
John has served on the boards of CareFirst BlueCross BlueShield (Baltimore, MD), The Wolf Trap Foundation (Vienna, VA.) and The Heights School (Potomac, MD). He currently serves on the board of the Dominican House of Studies in Washington DC.
2018-2021 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com 2018-2021. Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
John manages more than $900 million of client assets, providing discretionary separate account management services for families and trusts. John has been regularly listed (2018-2021) among top financial advisors in the United States based upon annual rankings published by Barron’s.
John has served on the boards of CareFirst BlueCross BlueShield (Baltimore, MD), The Wolf Trap Foundation (Vienna, VA.) and The Heights School (Potomac, MD). He currently serves on the board of the Dominican House of Studies in Washington DC.
2018-2021 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com 2018-2021. Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Securities Agent: CA, WI, TN, OR, MT, IL, AR, WA, VA, NY, NV, NH, NC, HI, ME, LA, KY, IA, CT, AZ, OK, NM, ND, MS, MI, MD, IN, MN, UT, NJ, AK, RI, OH, MA, VT, TX, PA, NE, FL, AL, SC, PR, MO, KS, GA, DC, WY, WV, VI, SD, ID, DE, CO; BM/Supervisor; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 1297819
NMLS#: 1297819
About Eddy Moss
Eddy Moss, CFP® is a First Vice President and Financial Advisor whose work is built around a simple conviction: financial capital is not an end in itself — it is a tool. When stewarded intentionally, it becomes a force for good within families, communities, and the world.
Eddy believes true financial success extends far beyond net worth, investment returns, or income statements. It is measured by how effectively each dollar earned, spent, invested, or given advances a family's mission, strengthens generational stability, and creates lasting impact.
To serve this vision, Eddy has developed a purpose-driven planning framework that integrates:
- Strategic Financial Planning — clarifying goals, values, and long-term direction
- Wealth Structuring — designing ownership and entity structures that reflect family vision and priorities
- Goals-Based Portfolio Design — a disciplined capital allocation process that quantitatively links family objectives with investment strategy
- Succession & Exit Planning — integrating closely held business ownership, liquidity needs, succession strategy, and exit planning within a family's broader financial and legacy objectives
- Equity Awards Planning — integrating concentrated stock positions and equity awards into a comprehensive financial plan
- Alternative Investment Strategies — including private equity, private credit, real estate, and infrastructure to support diversification and long-term growth
- Multi-Generational Planning — building durable strategies designed to support families across generations
- High-Impact Philanthropic Planning — structuring giving strategies to maximize measurable impact and long-term legacy
Eddy joined Morgan Stanley in 2020 after beginning his career at Merrill Lynch, where he advised families, entrepreneurs, corporate executives, and institutions. He graduated cum laude from the University of Dallas with a degree in Economics and holds the Certified Financial Planner™ (CFP®) designation. He is also a Family Wealth Director at Morgan Stanley — a designation awarded to advisors with advanced training and experience serving entrepreneurs and business owners with complex wealth needs.
Beyond client work, Eddy is actively engaged in education and nonprofit leadership. He currently serves as Chairman of the Board of Directors of The Heights School in Potomac, Maryland and previously served on the Board of The Tenley Study Center. He has also taught Wealth Management as an Adjunct Professor at The Catholic University of America and is the founder of DC Accelerator, a nonprofit organization focused on leadership and professional development for young professionals.
Eddy lives in Great Falls, Virginia with his wife Sarah and their three children, James, Isaac, and Mia.
Eddy believes true financial success extends far beyond net worth, investment returns, or income statements. It is measured by how effectively each dollar earned, spent, invested, or given advances a family's mission, strengthens generational stability, and creates lasting impact.
To serve this vision, Eddy has developed a purpose-driven planning framework that integrates:
- Strategic Financial Planning — clarifying goals, values, and long-term direction
- Wealth Structuring — designing ownership and entity structures that reflect family vision and priorities
- Goals-Based Portfolio Design — a disciplined capital allocation process that quantitatively links family objectives with investment strategy
- Succession & Exit Planning — integrating closely held business ownership, liquidity needs, succession strategy, and exit planning within a family's broader financial and legacy objectives
- Equity Awards Planning — integrating concentrated stock positions and equity awards into a comprehensive financial plan
- Alternative Investment Strategies — including private equity, private credit, real estate, and infrastructure to support diversification and long-term growth
- Multi-Generational Planning — building durable strategies designed to support families across generations
- High-Impact Philanthropic Planning — structuring giving strategies to maximize measurable impact and long-term legacy
Eddy joined Morgan Stanley in 2020 after beginning his career at Merrill Lynch, where he advised families, entrepreneurs, corporate executives, and institutions. He graduated cum laude from the University of Dallas with a degree in Economics and holds the Certified Financial Planner™ (CFP®) designation. He is also a Family Wealth Director at Morgan Stanley — a designation awarded to advisors with advanced training and experience serving entrepreneurs and business owners with complex wealth needs.
Beyond client work, Eddy is actively engaged in education and nonprofit leadership. He currently serves as Chairman of the Board of Directors of The Heights School in Potomac, Maryland and previously served on the Board of The Tenley Study Center. He has also taught Wealth Management as an Adjunct Professor at The Catholic University of America and is the founder of DC Accelerator, a nonprofit organization focused on leadership and professional development for young professionals.
Eddy lives in Great Falls, Virginia with his wife Sarah and their three children, James, Isaac, and Mia.
Securities Agent: TX, SC, MN, CA, WI, WA, NC, GA, NH, MD, CO, AZ, NJ, ME, AL, SD, VI, TN, PR, OR, LA, AR, WY, ND, AK, NM, NE, MS, IN, KS, IA, VT, MT, HI, WV, MO, MA, DE, UT, RI, OK, OH, NY, NV, MI, KY, IL, FL, CT, PA, ID, DC, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 1183642
NMLS#: 1183642
About Kevin M. Pilarski
Kevin is an Associate Vice President at Morgan Stanley, specializing in comprehensive wealth management for executives, particularly those in the healthcare sector, and business owners navigating liquidity events. With a background rooted in finance and economics, Kevin's approach integrates strategic equity award planning and exit strategies to help clients achieve their financial objectives.
Raised in a small town in Michigan, Kevin developed a strong work ethic and a deep understanding of community values. He pursued his undergraduate studies at Ave Maria University in Florida, earning degrees in Finance and Economics. Kevin holds the Certified Exit Planning Advisor (CEPA®) designation, underscoring his expertise in guiding executives & business owners through complex transitions.
Beginning his career at UBS, he later joined Morgan Stanley to focus on a comprehensive wealth management process tailored to equity award planning & concentrated stock strategies.
Outside of his professional endeavors, Kevin resides in Vienna, VA and maintains an active lifestyle. He is an avid gym enthusiast and has completed multiple ultramarathons.
Kevin's mission is to help clients bring their vision and goals to life through tailored financial strategies, fostering long-term relationships built on trust and mutual success.
Raised in a small town in Michigan, Kevin developed a strong work ethic and a deep understanding of community values. He pursued his undergraduate studies at Ave Maria University in Florida, earning degrees in Finance and Economics. Kevin holds the Certified Exit Planning Advisor (CEPA®) designation, underscoring his expertise in guiding executives & business owners through complex transitions.
Beginning his career at UBS, he later joined Morgan Stanley to focus on a comprehensive wealth management process tailored to equity award planning & concentrated stock strategies.
Outside of his professional endeavors, Kevin resides in Vienna, VA and maintains an active lifestyle. He is an avid gym enthusiast and has completed multiple ultramarathons.
Kevin's mission is to help clients bring their vision and goals to life through tailored financial strategies, fostering long-term relationships built on trust and mutual success.
Securities Agent: FL, MT, OR, TN, PR, NJ, NE, MO, MD, HI, CT, WA, PA, OH, ID, VA, SC, CO, CA, AK, WI, OK, NY, NM, NC, LA, KY, VT, UT, MS, MN, KS, DE, WV, RI, NH, ND, IL, IA, DC, AZ, GA, AL, WY, NV, MA, IN, AR, TX, SD, MI, ME, VI; General Securities Representative; Investment Advisor Representative
NMLS#: 2587770
NMLS#: 2587770
About Joey Kelly
Joey Kelly is a Client Services Associate of Morgan Stanley’s Private Wealth Management division in Washington, D.C. Prior to joining Morgan Stanley in 2021, Joey spent the early part of his career working in enterprise resource planning at Oracle. Joey graduated from the University of Dallas with a B.A. in Economics and Politics in 2017.
About Andrew Lowrie
Andrew Lowrie is a Registered Client Service Associate who focuses in financial planning, reporting, and providing day-to-day support to clients. A DC area native, he attended Landon School in Bethesda before earning a BBA in Marketing with an emphasis in Professional Selling and a minor in Consumer Economics from the University of Georgia.
Andrew joins the Reim-Moss group after spending the past 3 years working with another large Wealth Management team at Morgan Stanley. Since joining the firm in 2021, Andrew has been dedicated to fostering strong client relationships, studying market trends, delivering personalized service, and providing knowledgeable support to our clients.
Andrew lives in Navy Yard, where he can be found rooting for his Georgia Bulldogs, playing golf, trying new restaurants, and taking his French Bulldog for walks around the city.
Andrew joins the Reim-Moss group after spending the past 3 years working with another large Wealth Management team at Morgan Stanley. Since joining the firm in 2021, Andrew has been dedicated to fostering strong client relationships, studying market trends, delivering personalized service, and providing knowledgeable support to our clients.
Andrew lives in Navy Yard, where he can be found rooting for his Georgia Bulldogs, playing golf, trying new restaurants, and taking his French Bulldog for walks around the city.
About Gavin Lewis
Gavin is a Client Services Associate joining the Reim-Moss Group. A Philadelphia native, he graduated magna cum laude from the Catholic University of America with a B.S.B.A. in Markets & Political Economy and Entrepreneurship. You may already know Gavin as he recently interned with the Reim-Moss Group during the spring and summer of 2025.
In his free time, Gavin enjoys reading, writing, and studying philosophy. He ran a newsletter on cryptocurrency and emerging technologies. He also loves traveling, hiking, and camping with friends. He's excited to contribute to his team, learn from others at the firm, and is preparing to take the Series 7 later this year.
In his free time, Gavin enjoys reading, writing, and studying philosophy. He ran a newsletter on cryptocurrency and emerging technologies. He also loves traveling, hiking, and camping with friends. He's excited to contribute to his team, learn from others at the firm, and is preparing to take the Series 7 later this year.
Contact John Reim
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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.
1Investing 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.
2Asset Allocation does not assure a profit or protect against loss in declining financial markets.
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.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
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.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
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
Awards Disclosures | Morgan Stanley
1Investing 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.
2Asset Allocation does not assure a profit or protect against loss in declining financial markets.
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.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
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.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
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
Awards Disclosures | Morgan Stanley
CRC 4237142 (02/2025)
