Tom Bardwell, CFP®
Senior Vice President, Wealth Management, Portfolio Management Director, Family Wealth Advisor, Financial Advisor
Rylan K. Lanham
Financial Advisor,
Financial Planning Specialist
Direct:
(941) 364-3594(941) 364-3594
My Mission Statement
Partnering with clients to provide objective, high quality advice and services to simplify their life and provide peace of mind.
Rylans Story
Rylan K. Lanham is a highly accomplished financial advisor based in Sarasota, Florida. With a successful background in professional golf, Rylan made a seamless transition to the financial services industry on December 9th, 2014. Since then, he has obtained his series 7, 66, and insurance licenses, laying a strong foundation for his career.
Rylan embarked on his financial journey with a boutique independent firm in Sarasota, FL, where he assumed the pivotal role of financial planning coordinator for the southeastern United States. Collaborating with a diverse network of over 120 advisors, Rylan excelled in providing tailored financial planning solutions to a wide range of clients. Through rigorous analysis of numerous portfolios and financial positions, he swiftly developed an astute understanding of market dynamics and comprehensive financial planning strategies.
Recognizing his unwavering dedication and insightful vision within the financial services industry, Morgan Stanley extended an invitation to Rylan in April of 2017. Since joining their esteemed ranks, Rylan has played an integral role in spearheading the launch of Morgan Stanley's modern wealth management platform. He takes great pride in being the face of modern wealth management, effectively representing the values and expertise of the company.
Rylan strategically leverages the comprehensive ecosystem of Morgan Stanley to deliver a forward-thinking business model that embodies the future of the financial services industry. By integrating best-in-class technology, a robust regulatory framework, and world-class thought leadership, he ensures that his clients receive exceptional service and remain at the forefront of financial innovation.
Rylan’s hobbies include golfing, offshore fishing, cooking, and spending time with his wife Heather, their son Ryker Kyle, and their two cats and dogs.
Rylan embarked on his financial journey with a boutique independent firm in Sarasota, FL, where he assumed the pivotal role of financial planning coordinator for the southeastern United States. Collaborating with a diverse network of over 120 advisors, Rylan excelled in providing tailored financial planning solutions to a wide range of clients. Through rigorous analysis of numerous portfolios and financial positions, he swiftly developed an astute understanding of market dynamics and comprehensive financial planning strategies.
Recognizing his unwavering dedication and insightful vision within the financial services industry, Morgan Stanley extended an invitation to Rylan in April of 2017. Since joining their esteemed ranks, Rylan has played an integral role in spearheading the launch of Morgan Stanley's modern wealth management platform. He takes great pride in being the face of modern wealth management, effectively representing the values and expertise of the company.
Rylan strategically leverages the comprehensive ecosystem of Morgan Stanley to deliver a forward-thinking business model that embodies the future of the financial services industry. By integrating best-in-class technology, a robust regulatory framework, and world-class thought leadership, he ensures that his clients receive exceptional service and remain at the forefront of financial innovation.
Rylan’s hobbies include golfing, offshore fishing, cooking, and spending time with his wife Heather, their son Ryker Kyle, and their two cats and dogs.
Securities Agent: TN, AL, WI, WA, NC, CO, SC, RI, NY, SD, OR, MI, AZ, AK, PA, LA, FL, WY, UT, OK, NJ, ME, NH, MA, KY, IL, CA, NM, MO, MD, KS, HI, CT, VA, OH, MT, MN, IN, GA, AR, TX, NV, MS, IA, DE, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1832949
NMLS#: 1832949
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
THE CORNERSTONE CAPITAL GROUP
The Cornerstone Capital Group has an extensive financial team working across the country, servicing clients in over 40 states. For us, wealth planning means more than providing our clients with investment advice – it means helping them maintain the financial independence that they have worked their whole lives to achieve. Our team strives to ensure that our clients have the means to pursue what is most important to them. We do this by understanding them as people with unique goals, values, and circumstances, which ultimately determine the strategies that we develop on their behalf. In times of transition, our team of trusted professionals provides advice that can help our clients make sound investment decisions that will help them reach their financial goals.
Our consultative process begins with an in-depth discussion of your current finances and future objectives. We will address some issues that you might have overlooked that could have a significant impact on your ability to accomplish your goals and retire as planned. Finally, we will determine how we can help you adjust your investment strategy as necessary to accommodate changing economic and personal conditions that may arise during retirement.
Our consultative process begins with an in-depth discussion of your current finances and future objectives. We will address some issues that you might have overlooked that could have a significant impact on your ability to accomplish your goals and retire as planned. Finally, we will determine how we can help you adjust your investment strategy as necessary to accommodate changing economic and personal conditions that may arise during retirement.
WANT TO BECOME A FLORIDA RESIDENT?
Our team of advisors has personally made the transition from residency in another state to becoming full time Florida residents. We stand ready to help assist you with your questions and connect you with other local professionals if necessary to help in your transition. There are quite a few benefits to becoming a full time Florida resident, and not just the beautiful weather and great community. Please give the Sarasota office a call at (941) 364-7436, and we will be happy to assist you!
- Florida Domicile (Residency)
- Homestead Exemption
- Financial Documents and Relationships
- Drivers License/Voting
- More to discuss
- Florida Domicile (Residency)
- Homestead Exemption
- Financial Documents and Relationships
- Drivers License/Voting
- More to discuss
WE SERVE CLIENTS ACROSS THE U.S.
Our goal is simple: “To be the firm where the most talented advisors in the industry leverage cutting-edge technology and deliver customized wealth management solutions to their clients and their families to enable them to achieve their life goals.” Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
We know that everyone today is on the move, and we aim to serve you wherever you live within the U.S, using all of the virtual and digital tools that Morgan Stanley has to offer. Our financial advisors currently live or spend time living in four different states, and our clients live in over 40 states. If you are looking for a financial advisor relationship with a personal touch and state-of-the-art digital experience, we are here to help.
Our geographic diversity stretches from coast to coast, so whether you find yourself in the Rust Belt, the Sun Belt, or anywhere in between, the Cornerstone Capital Group is eager to help you manage your financial portfolio and make sound investment decisions.
We know that everyone today is on the move, and we aim to serve you wherever you live within the U.S, using all of the virtual and digital tools that Morgan Stanley has to offer. Our financial advisors currently live or spend time living in four different states, and our clients live in over 40 states. If you are looking for a financial advisor relationship with a personal touch and state-of-the-art digital experience, we are here to help.
Our geographic diversity stretches from coast to coast, so whether you find yourself in the Rust Belt, the Sun Belt, or anywhere in between, the Cornerstone Capital Group is eager to help you manage your financial portfolio and make sound investment decisions.
VALUABLE TOOLS AND RESOURCES
Our goal is simple: “To be the firm where the most talented advisors in the industry leverage cutting-edge technology and deliver customized wealth management solutions to their clients and their families to enable them to achieve their life goals.” Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online
Morgan Stanley Online digital capabilities and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research. The Morgan Stanley Mobile App provides clients with access to their accounts in just a few taps.
Morgan Stanley Online
Global Investment Committee “On the Markets” Report
Every month, Morgan Stanley’s top research analysts publish their “On the Markets” report, providing detailed market commentary on such topics as global equities, fixed income and monetary policy.
Read the most recent report
Total Wealth View
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind. This new tool allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
To learn more, click here
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Access this week's editon
Digital Vault
Keeping important documents and financial records organized and readily available is one the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored using encryption.
Watch this video to learn more
Thoughts on the Markets Podcast
With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen to the latest episode
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery. Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
eDeliveryLocation
2 North Tamiami Trail
Ste 1100
Sarasota, FL 34236
US
Direct:
(941) 364-3594(941) 364-3594
Fax:
(941) 951-2513(941) 951-2513
Meet My Team
Susan Wilson
Senior Vice President, Wealth Management, Family Wealth Advisor, Alternative Investments Director, Financial Advisor
T. Michael Osterman
Morgan Stanley Wealth Management, Senior Vice President-Investments, Financial Planning Specialist
Rylan Lanham
Financial Advisor, Financial Planning Specialist, Pacesetter’s Club Member, 2021, 2022, 2023,
Susan Knight
Sr. Registered Associate, Financial Planning Specialist
Adrienne Lambers
Senior Registered Client Service Associate
Phone:
(941) 364-3583(941) 364-3583
Amanda Lewis
Client Service Associate
Phone:
(941) 364-3549(941) 364-3549
About Tom Bardwell
With over two decades of experience in the financial services industry, Tom Bardwell has established himself as a trusted advisor, catering to affluent individuals, families, and institutional clients since 1999. His journey began at Van Kampen Investments, where he acquired a deep understanding of portfolio management and asset allocation strategies.
From late 2005 until 2008, Tom assumed the position of Manager of the Central Illinois Complex for Morgan Stanley, further refining his leadership acumen. In 2008, he joined the Cornerstone Capital Group at Morgan Stanley, leveraging his expertise to optimize investment portfolios and implement effective planning strategies for both individuals and institutions.
Tom's commitment to community engagement was evident during his time in Central Illinois, where he actively participated in various organizations. He served as a member of the Board of Directors for the Peoria Riverfront Museum, contributed as a member of the Campaign Cabinet for the Heart of Illinois United Way Drive, and held a Board Member position for the Central Illinois Estate Planning Council.
In 2014, Tom, accompanied by his family, made the decision to relocate to Sarasota, Florida, embarking on a new chapter by establishing a Cornerstone Capital Group office in the area. Today, he continues to serve clients nationwide, offering his comprehensive financial expertise. Tom takes great pride in his involvement in the Sarasota community, actively participating as a member of Bayside Community Church and engaging in local outreach events that aim to make a positive impact.
Tom and his wife, Courtney, share the joy of raising four children while nurturing their fulfilling life in Sarasota. With his unwavering dedication and commitment to clients' financial well-being, Tom Bardwell continues to be a beacon of trust and expertise in the financial services industry.
From late 2005 until 2008, Tom assumed the position of Manager of the Central Illinois Complex for Morgan Stanley, further refining his leadership acumen. In 2008, he joined the Cornerstone Capital Group at Morgan Stanley, leveraging his expertise to optimize investment portfolios and implement effective planning strategies for both individuals and institutions.
Tom's commitment to community engagement was evident during his time in Central Illinois, where he actively participated in various organizations. He served as a member of the Board of Directors for the Peoria Riverfront Museum, contributed as a member of the Campaign Cabinet for the Heart of Illinois United Way Drive, and held a Board Member position for the Central Illinois Estate Planning Council.
In 2014, Tom, accompanied by his family, made the decision to relocate to Sarasota, Florida, embarking on a new chapter by establishing a Cornerstone Capital Group office in the area. Today, he continues to serve clients nationwide, offering his comprehensive financial expertise. Tom takes great pride in his involvement in the Sarasota community, actively participating as a member of Bayside Community Church and engaging in local outreach events that aim to make a positive impact.
Tom and his wife, Courtney, share the joy of raising four children while nurturing their fulfilling life in Sarasota. With his unwavering dedication and commitment to clients' financial well-being, Tom Bardwell continues to be a beacon of trust and expertise in the financial services industry.
Securities Agent: OR, MT, UT, TX, SC, NH, ME, KS, AK, NC, MN, LA, GA, WY, RI, NY, NE, MO, HI, CA, PA, KY, IN, IA, CT, CO, AR, OK, NM, MA, DE, DC, WA, NJ, IL, AL, WI, VA, TN, OH, MS, MI, MD, FL, SD, NV, AZ; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
About Susan Wilson
Susan Wilson has devoted her life to helping people with their finances-her longevity as a wealth manager attests to the relationships and trust she has built in her dedication to taking care of clients. “It is very personal and meaningful to me to take care of my clients. They become family,” Wilson Said. “Although everyone’s needs and expectations differ, they all want someone to guide them to the best outcome, which often includes leaving something for the next generation or philanthropy.” Most recently she has earned recognition as Forbes Best in State Wealth Advisor for 2022 as well as being recognized as Forbes Top Women Wealth Advisors for 2020, 2021 and 2022.
After living in Manhattan for 30 years, Wilson and her husband, Charlie, bought a home on Bird Key and transitioned to Sarasota. They actively support the arts and other local non-profits including sponsoring graduate students in the FSU/Asolo Conservatory for Actor Training, Dance the Next Generation at the Sarasota Ballet, as well as supporting the Westcoast Black Theatre Troupe as Ambassadors. Fundraising for SPARCC (Safe Place and Rape Crisis Center) and the Van Wezel Foundation have been important philanthropic endeavors for both of them. They also like socializing with friends at the Bird Key Yacht Club, where Charlie served as Commodore, and are avid golfers who enjoy playing locally and internationally.
After living in Manhattan for 30 years, Wilson and her husband, Charlie, bought a home on Bird Key and transitioned to Sarasota. They actively support the arts and other local non-profits including sponsoring graduate students in the FSU/Asolo Conservatory for Actor Training, Dance the Next Generation at the Sarasota Ballet, as well as supporting the Westcoast Black Theatre Troupe as Ambassadors. Fundraising for SPARCC (Safe Place and Rape Crisis Center) and the Van Wezel Foundation have been important philanthropic endeavors for both of them. They also like socializing with friends at the Bird Key Yacht Club, where Charlie served as Commodore, and are avid golfers who enjoy playing locally and internationally.
Securities Agent: VI, CO, TN, OR, OK, OH, MO, CA, AK, WY, NY, NM, NJ, ND, MN, MA, LA, AL, WI, NH, MI, ME, AZ, AR, MT, CT, UT, TX, NC, DC, WA, MS, GA, PA, KS, IN, FL, SC, IA, MD, KY, IL, HI, DE, VA, SD, RI, NV; General Securities Representative; Investment Advisor Representative
About T. Michael Osterman
Michael Osterman brings over 30 years of Wealth Management experience to every client he advises.
Securities Agent: CT, OH, MA, IA, WA, VA, NM, IN, WY, RI, OK, MT, GA, FL, AK, OR, LA, HI, DE, TX, TN, AZ, NY, NJ, MO, KS, CO, SD, NC, MS, IL, PA, MN, CA, AL, VT, UT, NV, MI, MD, KY, DC, AR, WI, SC, NH, ME; General Securities Representative; Investment Advisor Representative; Managed Futures
About Rylan Lanham
Rylan K. Lanham is a highly accomplished financial advisor based in Sarasota, Florida. With a successful background in professional golf, Rylan made a seamless transition to the financial services industry on December 9th, 2014. Since then, he has obtained his series 7, 66, and insurance licenses, laying a strong foundation for his career.
Rylan embarked on his financial journey with a boutique independent firm in Sarasota, FL, where he assumed the pivotal role of financial planning coordinator for the southeastern United States. Collaborating with a diverse network of over 120 advisors, Rylan excelled in providing tailored financial planning solutions to a wide range of clients. Through rigorous analysis of numerous portfolios and financial positions, he swiftly developed an astute understanding of market dynamics and comprehensive financial planning strategies.
Recognizing his unwavering dedication and insightful vision within the financial services industry, Morgan Stanley extended an invitation to Rylan in April of 2017. Since joining their esteemed ranks, Rylan has played an integral role in spearheading the launch of Morgan Stanley's modern wealth management platform. He takes great pride in being the face of modern wealth management, effectively representing the values and expertise of the company.
Rylan strategically leverages the comprehensive ecosystem of Morgan Stanley to deliver a forward-thinking business model that embodies the future of the financial services industry. By integrating best-in-class technology, a robust regulatory framework, and world-class thought leadership, he ensures that his clients receive exceptional service and remain at the forefront of financial innovation.
Rylan’s hobbies include golfing, offshore fishing, cooking, and spending time with his wife Heather, their son Ryker Kyle, and their two cats and dogs.
Rylan embarked on his financial journey with a boutique independent firm in Sarasota, FL, where he assumed the pivotal role of financial planning coordinator for the southeastern United States. Collaborating with a diverse network of over 120 advisors, Rylan excelled in providing tailored financial planning solutions to a wide range of clients. Through rigorous analysis of numerous portfolios and financial positions, he swiftly developed an astute understanding of market dynamics and comprehensive financial planning strategies.
Recognizing his unwavering dedication and insightful vision within the financial services industry, Morgan Stanley extended an invitation to Rylan in April of 2017. Since joining their esteemed ranks, Rylan has played an integral role in spearheading the launch of Morgan Stanley's modern wealth management platform. He takes great pride in being the face of modern wealth management, effectively representing the values and expertise of the company.
Rylan strategically leverages the comprehensive ecosystem of Morgan Stanley to deliver a forward-thinking business model that embodies the future of the financial services industry. By integrating best-in-class technology, a robust regulatory framework, and world-class thought leadership, he ensures that his clients receive exceptional service and remain at the forefront of financial innovation.
Rylan’s hobbies include golfing, offshore fishing, cooking, and spending time with his wife Heather, their son Ryker Kyle, and their two cats and dogs.
Securities Agent: TN, AL, WI, WA, NC, CO, SC, RI, NY, SD, OR, MI, AZ, AK, PA, LA, FL, WY, UT, OK, NJ, ME, NH, MA, KY, IL, CA, NM, MO, MD, KS, HI, CT, VA, OH, MT, MN, IN, GA, AR, TX, NV, MS, IA, DE, DC; General Securities Representative; Investment Advisor Representative
About Susan Knight
Susan joined Morgan Stanley and its predecessors in 1984 as she was achieving her Associate Degree in Business Management. Born in Mesquite, Texas, Susan’s family moved to Long Island, NY when she was 5 years old. She ended up in Sarasota in 2018 to aid her aging parents.
Susan brings extensive knowledge and experience to the Cornerstone Capital Group. She is a Senior Registered Associate and has her Series 7, 63, 66, 9 and 10 licenses. Susan is passionate about people and works diligently in building long lasting client relationships and providing excellent client service. She provides administrative and operational support for the team’s private clients along with working closely with the Financial Advisors.
Susan enjoys the sunshine, time at the beach and outdoor activities like biking, kayaking, swimming, and walking trails. She loves to spend time with her grown kids, family, and friends. She is a member with New Day Christian Church and enjoys volunteering her time there.
Susan brings extensive knowledge and experience to the Cornerstone Capital Group. She is a Senior Registered Associate and has her Series 7, 63, 66, 9 and 10 licenses. Susan is passionate about people and works diligently in building long lasting client relationships and providing excellent client service. She provides administrative and operational support for the team’s private clients along with working closely with the Financial Advisors.
Susan enjoys the sunshine, time at the beach and outdoor activities like biking, kayaking, swimming, and walking trails. She loves to spend time with her grown kids, family, and friends. She is a member with New Day Christian Church and enjoys volunteering her time there.
About Amanda Lewis
Amanda Lewis is a Client Service Associate originally from Deleon Springs, Florida. She has an MBA from Southeastern University and completed her undergraduate studies at the University of South Florida, where she majored in interdisciplinary Social Sciences. Before joining the firm, she worked as an elementary and middle school teacher and coached several sports teams. Amanda strives to create every client interaction an amazing experience where they feel they have received quality customer service.
Amanda currently resides in Parrish, Florida, with her husband Marsden and their baby boy Asher. They also have an adorable Pekingese named Dallas. In her free time she enjoys shopping, repurposing furniture, and spending quality time with her family and friends.
Amanda currently resides in Parrish, Florida, with her husband Marsden and their baby boy Asher. They also have an adorable Pekingese named Dallas. In her free time she enjoys shopping, repurposing furniture, and spending quality time with her family and friends.
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Justine Smale
Private Banker
About Justine Smale
Justine Smale is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Justine began her career in financial services in 1992, and joined Morgan Stanley in 2016. Prior to joining the firm, she spent 21 years at Merrill Lynch and Bank of America and held many positions including Wealth Management Banker, Premier Client Manager, and Branch Manager.
Justine is a graduate of Florida International University, where she received a Bachelor of Arts in Business Administration, Business Management, and International Business with Magna Cum Laude distinction. She lives in Sarasota, Florida with her family.
Outside of the office, Justine donates her time volunteering for different organizations. She also enjoys being active, gardening, spending time outdoors, entertaining at home and spending time with family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Justine began her career in financial services in 1992, and joined Morgan Stanley in 2016. Prior to joining the firm, she spent 21 years at Merrill Lynch and Bank of America and held many positions including Wealth Management Banker, Premier Client Manager, and Branch Manager.
Justine is a graduate of Florida International University, where she received a Bachelor of Arts in Business Administration, Business Management, and International Business with Magna Cum Laude distinction. She lives in Sarasota, Florida with her family.
Outside of the office, Justine donates her time volunteering for different organizations. She also enjoys being active, gardening, spending time outdoors, entertaining at home and spending time with family and friends.
NMLS#: 641860
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact Rylan K. Lanham today.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Awards Disclosures | Morgan Stanley
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2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
