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 350 teams1 specialized in assisting individuals and families with $20MM+ in investable assets
- Over $980 billion in AUM1
- Comprising 23% of the Barron’s Top 250 Private Wealth Management Teams for 2024
- 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, December, 2024
Source: Barron's.com (May 2024) 2024 Barron's Top 250 Private Wealth Management Teams awarded in 2024. The teams are ranked on a variety of factors, including their size and shape, their regulatory records and credentials of their members, and the resources they have at their disposal to serve their client bases. The rankings are meant as a starting point for clients looking for an advisor—a first-pass vetting that can help investors narrow a search. Every advisor will have his or her own approach to investing, financial planning, and other services. Clients are encouraged to approach a search for an advisor the way they would a search for a doctor—interviewing multiple professionals and getting opinions from multiple third parties. Rankings are based on the opinions of Barron's and this ranking 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.
Morgan Stanley Family Office Resources
Addressing the full spectrum of your complex, multigenerational, wealth management. As your family grows and your wealth increases, you may face more subtle and profound wealth management issues.
More>
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.
More>
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.
More>
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.
difficult to focus on what matters most to you: pursuing personal goals and family aspirations, exploring opportunities and living the life you envision.
Philanthropy
We deliver the information, advice and support needed to help you define your philanthropic goals and create an effective strategy to reach them.
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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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Insurance Solutions
Many high net worth families have tax planning, wealth transfer and philanthropy needs that may be met by sophisticated insurance solutions.
Family Wealth Education
The Family Governance & Wealth Education group helps ultra high net worth families strive to maximize
the value of their human capital by driving family wealth education, making it more likely that all members of the family will have the foundation they need to lead meaningful, fulfilled and engaged lives.
the value of their human capital by driving family wealth education, making it more likely that all members of the family will have the foundation they need to lead meaningful, fulfilled and engaged lives.
Reim-Moss Equity Income
The 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.
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
Each portfolio typically holds 30 to 35 individual stocks and 15 to 20 income-oriented investments.
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
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 Link Between Planning Insights & Investment Choices
The financial planning process can help provide answers to important questions, a starting point for making investment decisions.
Priorities and circumstances change, and linking investment choices to ongoing financial planning issues can help ensure that your highest priorities are reflected in how your assets are managed.
Learn MorePriorities and circumstances change, and linking investment choices to ongoing financial planning issues can help ensure that your highest priorities are reflected in how your assets are managed.
Private Wealth Organizer
A good wealth management process begins with being organized.
How do you store and access information? Does your family know how to find this information?
Have important issues been considered? What information is needed to fill in the gaps?
Learn MoreHow do you store and access information? Does your family know how to find this information?
Have important issues been considered? What information is needed to fill in the gaps?
The Stock Market Story (2025)
A discussion of trends that may drive performance and other metrics of the stock market.
Learn MoreLocation
1747 Pennsylvania Ave NW
Ste 900
Washington, DC 20006
US
Direct:
(202) 292-5460(202) 292-5460
Meet Reim Moss Group
Phone:
(202) 993-0950(202) 993-0950
Joey Kelly
Registered Client Service Associate
Phone:
(202) 292-5463(202) 292-5463
J.P. Koshakji
Registered Client Service Associate
Phone:
(202) 292-5419(202) 292-5419
Andrew Lowrie
Registered Client Service Associate
Phone:
(202) 292-5387(202) 292-5387
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 is a Vice President and Financial Advisor whose mission is to help families and organizations use wealth as a force for good. It’s his belief that true financial success goes beyond balance sheet, income, and return. He believes that true Financial Success is determined by how effectively each dollar earned, spent, invested, or gifted becomes an intentional force for good within families, communities, and the world at large. He developed a purpose driven planning process for each domain of wealth management - defining mission driven goals, values aligned portfolio management, high impact philanthropic strategies.
Eddy came to Morgan Stanley from Merrill Lynch in 2020 after 7 years in the financial services industry. He graduated from the University of Dallas with a Cum Laude degree in Economics.
Eddy currently serves on the board of directors of The Heights School (Potomac, MD) and the Tenley Study Center. He teaches as an adjunct professor of Wealth Management at the Catholic University of America, and is the founder of DC Accelerator.
He lives in Great Falls, VA with his wife Sarah and three children James, Isaac, and Mia.
The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
Eddy came to Morgan Stanley from Merrill Lynch in 2020 after 7 years in the financial services industry. He graduated from the University of Dallas with a Cum Laude degree in Economics.
Eddy currently serves on the board of directors of The Heights School (Potomac, MD) and the Tenley Study Center. He teaches as an adjunct professor of Wealth Management at the Catholic University of America, and is the founder of DC Accelerator.
He lives in Great Falls, VA with his wife Sarah and three children James, Isaac, and Mia.
The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
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
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 J.P. Koshakji
As a Registered Client Service Associate, J.P. supports investment decisions through research, reporting and data analytics. He works closely with the team’s Managing Member, John Reim, to support our investment decisions through research, reporting and data analytics. J.P. comes to Morgan Stanley from The Catholic University of America where he graduated with a BSBA in Finance. J.P. currently lives in Washington, DC. He enjoys soccer, tennis, golf, classical philosophy and spending time with his family in Dallas, TX.
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.
Contact John Reim
Contact Eddy Moss
Contact Kevin M. Pilarski
Private Wealth Management
Professional Insights
The Stock Market Story 2025
Wealth Management
Global Investment Office
Portfolio Insights
We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.
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
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, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.
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
CRC 4237142 (02/2025)
