Morgan Stanley Private Wealth Management
Ron Vinder
Managing Director, Private Wealth Management,
Private Wealth Advisor
Direct:
(212) 503-2365(212) 503-2365
Toll-Free:
(877) 562-5060(877) 562-5060
My Mission Statement
Backed by an exceptional team, Ron Vinder has been able to build a white-glove boutique group supported by the full scope of Morgan Stanley. Our goal is to help an elite group of highly affluent families address virtually every aspect of their complex financial lives. As a result, the Vinder Group can tailor highly customized strategies based on each client’s specific needs and aspirations.
Welcome
The Vinder Group is a ten-member financial team. We serve the wealth management needs of individuals, families, business owners, and corporate executives.
We do this by developing wealth management plans based not on speculation, but on asset allocation strategies implemented through the use of index-tracking exchange-traded funds (ETFs). Grounded in rational investment strategies that have been tested over time, rather than emotional responses to market events, our asset-allocation based approach provides assurances again what no one can predict, so that you can be confident in your future.
In addition, our scope of services includes everything you would find in a typical family office such as reporting and monitoring of assets, quarterly/annual review, review of private investment opportunities, financial and investment education, philanthropy coordination, estate planning, monitoring budget/expenses, and bill payment.
Our goal is to help you pursue the things you want to do in life by sustaining your financial success. You have secured a position of financial independence; our goal is to make sure you stay there.
We do this by developing wealth management plans based not on speculation, but on asset allocation strategies implemented through the use of index-tracking exchange-traded funds (ETFs). Grounded in rational investment strategies that have been tested over time, rather than emotional responses to market events, our asset-allocation based approach provides assurances again what no one can predict, so that you can be confident in your future.
In addition, our scope of services includes everything you would find in a typical family office such as reporting and monitoring of assets, quarterly/annual review, review of private investment opportunities, financial and investment education, philanthropy coordination, estate planning, monitoring budget/expenses, and bill payment.
Our goal is to help you pursue the things you want to do in life by sustaining your financial success. You have secured a position of financial independence; our goal is to make sure you stay there.
Capabilities
- Family Governance & Wealth Education
- Comprehensive Wealth Planning
- Investment Management
- Sustainable & Responsible InvestingFootnote1
- Philanthropy Management
- Risk Management
- Consolidated Reporting
- Retirement & Pension Plans
- Asset AllocationFootnote2
- Tax, Trust & Estate AdvisoryFootnote3
- Tailored LendingFootnote4
- Hedging Strategies
- 10b5-(1) Programs
- Pre-Liquidity Planning
- Cash Management & LendingFootnote5
- Securities Based LendingFootnote6
Securities Agent: CA, WV, NV, NE, MN, CT, AZ, WY, WI, VT, VA, TX, TN, NC, MO, KY, IN, DC, OH, NY, MT, AR, RI, NM, FL, CO, GA, VI, AL, AK, MA, ID, IA, SD, NJ, MS, MD, IL, UT, SC, PA, OK, ND, MI, ME, LA, HI, DE, WA, PR, OR, NH, KS; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1482498
NMLS#: 1482498
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.
Approach
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Accolades
2024 Barron’s Top 100 Advisors in America
2024 Barron’s Top 100 Advisors in America and #15 in NY
2023 Barron’s Top 100 Advisors in America
2023 Barron’s Top 100 Advisors in America and #3 in NY
2023 Barron’s Top 100 Advisors in America
2023 Barron's Top 1,200 Advisors in America and Ranked #3 in NY
2022 Barron’s Advisor Hall of Fame Inductee
2022 Barron’s Top 100 Advisors in America
2022 Barron's Top 1,200 Advisors in America and Ranked #3 in NY
2021 Barron’s Top 100 Advisors in America
2021 Barron's Top 1,200 Advisors in America and Ranked #3 in NY
2020 Barron’s Top 100 Advisors in America
2020 Barron's Top 1,200 Advisors in America and Ranked #16 in NY
2019 Barron’s Top 100 Advisors in America
2019 Barron's Top 1,200 Advisors in America and Ranked #7 in NY
2018 Barron’s Top 100 Advisors in America
2018 Barron's Top 1,200 Advisors in America and Ranked #10 in NY
2015 Barron’s Top 100 Advisors in America
2015 Barron’s Top 1,200 Advisors in America and Ranked #13 in NY
2014 Barron’s Top 100 Advisors in America
2014 Barron’s Top 1,200 Advisors in America and Ranked #14 in NY
2013 Barron’s Top 100 Advisors in America
2013 Barron’s Top 1,000 Advisors in America and Ranked #18 in NY
2012 Barron’s Top 1,000 Financial Advisor
2012 Barron’s Top 100 Financial Advisor
2011 Barron’s Top 1,000 Financial Advisor
2011 Barron’s Top 100 Financial Advisor
2010 Barron’s Top 1,000 Financial Advisor
2009 Barron’s Top 1,000 Financial Advisor
"2011-2015, 2018 Barron's Top 100 Financial Advisors (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2011-2015, 2018). Data compiled by Barron's based on 12-month period concluding in Dec of the year prior to the issuance of the award."
"2009-2015, 2018 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 (Awarded 2009-2015, 2018). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award."
"2018-2023 Barron's Top 100 Financial Advisors (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)"
Source: Barrons.com 2018-2023. Data compiled by Barron's based on 12-month period concluding in Dec of the year prior to the issuance of the award.
"Barron's Top 1,200 Financial Advisors: State-by-State"
Source: Barron's.com (Awarded April 2023) Data compiled by Barron's based on 12-month period concluding in Dec of the year prior to the issuance of the award.
2024 Barron’s Top 100 Advisors in America and #15 in NY
2023 Barron’s Top 100 Advisors in America
2023 Barron’s Top 100 Advisors in America and #3 in NY
2023 Barron’s Top 100 Advisors in America
2023 Barron's Top 1,200 Advisors in America and Ranked #3 in NY
2022 Barron’s Advisor Hall of Fame Inductee
2022 Barron’s Top 100 Advisors in America
2022 Barron's Top 1,200 Advisors in America and Ranked #3 in NY
2021 Barron’s Top 100 Advisors in America
2021 Barron's Top 1,200 Advisors in America and Ranked #3 in NY
2020 Barron’s Top 100 Advisors in America
2020 Barron's Top 1,200 Advisors in America and Ranked #16 in NY
2019 Barron’s Top 100 Advisors in America
2019 Barron's Top 1,200 Advisors in America and Ranked #7 in NY
2018 Barron’s Top 100 Advisors in America
2018 Barron's Top 1,200 Advisors in America and Ranked #10 in NY
2015 Barron’s Top 100 Advisors in America
2015 Barron’s Top 1,200 Advisors in America and Ranked #13 in NY
2014 Barron’s Top 100 Advisors in America
2014 Barron’s Top 1,200 Advisors in America and Ranked #14 in NY
2013 Barron’s Top 100 Advisors in America
2013 Barron’s Top 1,000 Advisors in America and Ranked #18 in NY
2012 Barron’s Top 1,000 Financial Advisor
2012 Barron’s Top 100 Financial Advisor
2011 Barron’s Top 1,000 Financial Advisor
2011 Barron’s Top 100 Financial Advisor
2010 Barron’s Top 1,000 Financial Advisor
2009 Barron’s Top 1,000 Financial Advisor
"2011-2015, 2018 Barron's Top 100 Financial Advisors (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2011-2015, 2018). Data compiled by Barron's based on 12-month period concluding in Dec of the year prior to the issuance of the award."
"2009-2015, 2018 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 (Awarded 2009-2015, 2018). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award."
"2018-2023 Barron's Top 100 Financial Advisors (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)"
Source: Barrons.com 2018-2023. Data compiled by Barron's based on 12-month period concluding in Dec of the year prior to the issuance of the award.
"Barron's Top 1,200 Financial Advisors: State-by-State"
Source: Barron's.com (Awarded April 2023) Data compiled by Barron's based on 12-month period concluding in Dec of the year prior to the issuance of the award.
Client Service Team
Eddie F. Horta - First Vice President, Portfolio Management Associate Director
Phone:
(212) 503-2367(212) 503-2367
Email:Eddie.Horta@morganstanleypwm.com
Has over 15 years of experience working in the financial services
Began his career at Smith Barney & Co. in 2005 as a Client Service Associate and has been working with the Vinder Group since 2006
Primary responsibilities include model portfolio monitoring, trading, reporting, and providing customized solutions including financial plans
Provides access to cash management and lending solutions
Graduated from Marist College in Poughkeepsie, NY in 2005
Fluent in Portuguese
Series 7 and 66 securities licenses
Began his career at Smith Barney & Co. in 2005 as a Client Service Associate and has been working with the Vinder Group since 2006
Primary responsibilities include model portfolio monitoring, trading, reporting, and providing customized solutions including financial plans
Provides access to cash management and lending solutions
Graduated from Marist College in Poughkeepsie, NY in 2005
Fluent in Portuguese
Series 7 and 66 securities licenses
Costas Liappas - : First Vice President, Group Director
Phone:
(212) 503-2364(212) 503-2364
Email:Costas.Liappas@morganstanleypwm.com
Began his career at Morgan Stanley as a summer intern in 2002 and joined Citi/Smith Barney Wealth Management as a Client Service Associate in 2004
Joined UBS Wealth Management in 2007 and rejoined in 2011 after a brief tenure at Credit Suisse Private Banking
Joined The Vinder Group in 2012 and is primarily responsible for all day-to-day client service activities
Focuses on estate planning strategies for ultra-high net worth clients
Received his Bachelor’s degree from Hobart and William Smith Colleges in Geneva, NY in 2004
Fluent in Greek
Series 7 and 66 securities licenses
Joined UBS Wealth Management in 2007 and rejoined in 2011 after a brief tenure at Credit Suisse Private Banking
Joined The Vinder Group in 2012 and is primarily responsible for all day-to-day client service activities
Focuses on estate planning strategies for ultra-high net worth clients
Received his Bachelor’s degree from Hobart and William Smith Colleges in Geneva, NY in 2004
Fluent in Greek
Series 7 and 66 securities licenses
Zack Wells - Assistant Vice President, Private Wealth Management Analyst
Phone:
(212) 703-2360(212) 703-2360
Email:Zack.Wells@morganstanley.com
Zack Wells joined The Vinder Group with several years of experience with Morgan Stanley as an operations and client service professional. Zack's primary focus is client onboarding and new accounts, client communication, and coordinated team projects. Zack holds the Series 7 and 66 licenses.
Zack graduated from Fisher College of Business at The Ohio State University in 2016, with a Bachelor of Science in Business Administration, specializing in Finance. Zack golfs, skis, and plays basketball in his free time. Zack lives in New Jersey with his wife and two children, and enjoys playing golf, weight training, and cooking for his family in his free time.
Zack graduated from Fisher College of Business at The Ohio State University in 2016, with a Bachelor of Science in Business Administration, specializing in Finance. Zack golfs, skis, and plays basketball in his free time. Zack lives in New Jersey with his wife and two children, and enjoys playing golf, weight training, and cooking for his family in his free time.
Johnny Keefe - Registered Client Service Associate
Phone:
(212) 503-2376(212) 503-2376
Email:Johnny.Keefe@morganstanleypwm.com
Johnny Keefe joined the Vinder Group in May 2021 and focuses his efforts on supporting the team’s daily operations as well as delivering exceptional customer service to the team’s clients. He started with Morgan Stanley in July of 2019 as a Virtual Engagement Associate before transitioning to the Vinder Group. Prior to Morgan Stanley, Johnny worked as a Treasury Analyst for Toys R Us and Avis Budget Group. He holds the Series 7 and 66 licenses.
Johnny was born and raised in Bergen County, NJ and currently lives in Manhattan. He received his Bachelor’s degree in Finance from Fairfield University in 2017. Outside of work, Johnny enjoys music, sports and cooking.
Johnny was born and raised in Bergen County, NJ and currently lives in Manhattan. He received his Bachelor’s degree in Finance from Fairfield University in 2017. Outside of work, Johnny enjoys music, sports and cooking.
James Hulbert - Registered Client Service Associate
Phone:
(212) 503-2377(212) 503-2377
Email:James.Hulbert@morganstanley.com
James Hulbert joined The Vinder Group in January 2023 and focuses his efforts on supporting the team’s daily operations as well as client communication. Prior to Morgan Stanley, James worked on a Wealth Management team at Merrill Lynch. He holds the Series 7 and 66 licenses.
James graduated from the University of Richmond with a Bachelor of Science in Business Administration with a concentration in Finance. He then received a Master of Science in Business Analytics from the University of Notre Dame. James was a pitcher on the baseball team at both schools. He currently lives in Manhattan and enjoys playing golf, pickleball, and running in his free time.
James graduated from the University of Richmond with a Bachelor of Science in Business Administration with a concentration in Finance. He then received a Master of Science in Business Analytics from the University of Notre Dame. James was a pitcher on the baseball team at both schools. He currently lives in Manhattan and enjoys playing golf, pickleball, and running in his free time.
Salvatore Glorioso - Vice President, Director of Investments
Phone:
(212) 503-2379(212) 503-2379
Email:Sal.Glorioso@morganstanleypwm.com
Sal joined the Vinder group in August 2022 and has been working within the Fixed Income space for over a dozen years covering institutional, middle markets, and high net worth retail accounts. He previously held roles as a US Treasury trader and most recently as a Municipal Bond salesperson here at Morgan Stanley since 2018. Sal’s responsibilities include the development of tailor-made Fixed Income investment solutions across a variety of asset classes.
Sal currently holds FINRA Series 7, 63, 52, 3, and 66 licenses. He began his financial services career at Citigroup after graduating from the University of Rhode Island with a Bachelor of Science in Business Administration & Management. He currently lives on Long Island, New York with his wife and two children.
Sal currently holds FINRA Series 7, 63, 52, 3, and 66 licenses. He began his financial services career at Citigroup after graduating from the University of Rhode Island with a Bachelor of Science in Business Administration & Management. He currently lives on Long Island, New York with his wife and two children.
Eric Kirchner - Registered Client Service Associate
Phone:
(212) 503-2391(212) 503-2391
Email:eric.kirchner@morganstanley.com
Eric Kirchner joined the Vinder Group in January 2023 after spending time in Morgan Stanley’s Wealth Management Rotational Analyst Program. While being a summer analyst in 2020 and joining the firm in the summer of 2021, he enjoyed the opportunity to work in three distinct areas of Wealth Management, learning the business from multiple angles. Eric’s responsibilities include supporting the team’s daily operations as well as documenting and organizing the team’s practices for greater efficiency. Eric holds the Series 7, 63, and 65 licenses and maintains a New York State Insurance License.
Prior to joining Morgan Stanley, Eric graduated from Villanova University in 2021 with a Bachelor’s degree in Finance and Real Estate. Eric lives in Midtown and enjoys cooking with friends while being a frequent participant in NYC Footy soccer leagues.
Prior to joining Morgan Stanley, Eric graduated from Villanova University in 2021 with a Bachelor’s degree in Finance and Real Estate. Eric lives in Midtown and enjoys cooking with friends while being a frequent participant in NYC Footy soccer leagues.
Ryann Tracy - Executive Assistant
Phone:
(212) 503-1191(212) 503-1191
Email:Ryann.Tracy@morganstanley.com
Ryann Tracy joined the Vinder Group in February 2024 and focuses her efforts on supporting Ron’s daily operations as well as ensuring the team's internal and external communications run smoothly.
Prior to joining Morgan Stanley, Ryann graduated from the Honors College at the College of Charleston with a Bachelor of Science in Marketing. Ryann was born on Long Island and currently lives in Williamsburg, Brooklyn. Outside of work, she enjoys tennis and the beach.
Prior to joining Morgan Stanley, Ryann graduated from the Honors College at the College of Charleston with a Bachelor of Science in Marketing. Ryann was born on Long Island and currently lives in Williamsburg, Brooklyn. Outside of work, she enjoys tennis and the beach.
Location
55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 503-2365(212) 503-2365
Toll-Free:
(877) 562-5060(877) 562-5060
Fax:
(646) 690-6400(646) 690-6400
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
Private Wealth Management Podcast
Bringing you engaging stories and key insights surrounding the complexities associated with significant wealth, including:
- Intergenerational Planning
- Philanthropic Giving
- Non-Traditional Assets
- Managing Family Wealth
LISTEN | Passion Assets: Investing in Art
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Managing Significant Wealth
- Investment Management
- Wealth Transfer & Philanthropy
- Cash Management & Lending
- Family Governance & Wealth Education
- Lifestyle Advisory
- Business Services
Insights and Outcomes
Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
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.
3Morgan Stanley Smith Barney LLC and its affiliates and their employees (including Financial Advisors and Private Wealth Advisors) are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.
4Tailored Lending is a loan/line of credit product offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. A Tailored Lending credit facility may be a committed or demand loan/line of credit. All Tailored Lending loans/lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Tailored Lending loans/lines of credit may not be available in all locations. Rates, terms, and programs are subject to change without notice. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is a Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. The proceeds from a Tailored Lending loan/line of credit (including draws and other advances) may not be used to purchase, trade, or carry margin stock; repay margin debt that was used to purchase, trade, or carry margin stock; and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
5Morgan 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
6Borrowing against securities may not be appropriate for everyone. You should be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures below.
Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Important Risk Information for Securities Based Lending: You need to understand that: (1) Sufficient collateral must be maintained to support your loan(s) and to take future advances; (2) You may have to deposit additional cash or eligible securities on short notice; (3) Some or all of your securities may be sold without prior notice in order to maintain account equity at required maintenance levels. You will not be entitled to choose the securities that will be sold. These actions may interrupt your long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as “Morgan Stanley”) reserves the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase your collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason.
With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan.
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
2Asset Allocation does not assure a profit or protect against loss in declining financial markets.
3Morgan Stanley Smith Barney LLC and its affiliates and their employees (including Financial Advisors and Private Wealth Advisors) are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.
4Tailored Lending is a loan/line of credit product offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. A Tailored Lending credit facility may be a committed or demand loan/line of credit. All Tailored Lending loans/lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Tailored Lending loans/lines of credit may not be available in all locations. Rates, terms, and programs are subject to change without notice. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is a Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. The proceeds from a Tailored Lending loan/line of credit (including draws and other advances) may not be used to purchase, trade, or carry margin stock; repay margin debt that was used to purchase, trade, or carry margin stock; and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
5Morgan 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
6Borrowing against securities may not be appropriate for everyone. You should be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures below.
Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Important Risk Information for Securities Based Lending: You need to understand that: (1) Sufficient collateral must be maintained to support your loan(s) and to take future advances; (2) You may have to deposit additional cash or eligible securities on short notice; (3) Some or all of your securities may be sold without prior notice in order to maintain account equity at required maintenance levels. You will not be entitled to choose the securities that will be sold. These actions may interrupt your long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as “Morgan Stanley”) reserves the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase your collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason.
With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan.
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)
