Debra A Galin
Senior Vice President, Wealth Management
Phone:
(805) 564-7987(805) 564-7987
Sabrina N. Kranz
Vice President, Wealth Management,
Financial Advisor,
Portfolio Management Director
Direct:
(805) 564-7985(805) 564-7985
My Mission Statement
Over the years you will make many financial decisions. One in particular is likely to have a lasting impact on your well-being and your family: the choice of a Financial Advisor. Our mission is to build genuine, long lasting relationships with our clients by going beyond what is expected while always staying true to our principles. We educate, plan, build, measure and achieve, to help you succeed financially.
My Story and Services
As your Financial Advisor, my mission with my team is to help you preserve and grow your wealth in a way that balances prosperity and your life's goals. We use a disciplined process to get to know what is important to you, your business, family and legacy. We develop a clear strategy and provide you with high level resources and measured results.
Services Include
- Retirement PlanningFootnote1
- 401(k) Rollovers
- Wealth ManagementFootnote2
- Trust ServicesFootnote3
- Financial PlanningFootnote4
- Corporate Pension Plans
- Professional Portfolio ManagementFootnote5
- Life InsuranceFootnote6
- Long Term Care InsuranceFootnote7
- Estate Planning StrategiesFootnote8
- Divorce Financial AnalysisFootnote9
- Cash Management and Lending ProductsFootnote10
- Endowments and FoundationsFootnote11
Securities Agent: NV, VT, UT, NY, CA, AR, WA, MT, LA, FL, AZ, OR, ID, GA, TN, OH, MI, IA, HI, PA, NM, IL, CO, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 1925835
CA Insurance License #: 0B23063
NMLS#: 1925835
CA Insurance License #: 0B23063
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Education and Licenses
Education and Licensing
- Bachelors of Science in Business Administration - Hawaii Pacific University, 1990
- MBA in Marketing and Finance - Hawaii Pacific University, 1993
- Series 7 - General Securities Representative
- Series 66 - Uniform Combined State Law
- Series 65 - Uniform Investment Adviser Law
- Series 63 - Uniform Securities Agent State Law
- SIE - Securities Industry Essentials
- Life, Health, Variable & Fixed Contracts Insurance Licensed
- State Registrations: Arizona, Arkansas, California, Colorado, Florida, Georgia, Hawaii, Idaho, Illinois, Iowa, Michigan, Montana, Nevada, New Mexico, New York, Ohio, Oregon, Texas, Tennessee, Texas, Utah, Vermont & Washington.
My Life
I grew up on the island of Oahu, Hawaii, and started in the financial industry in 1990 at GECC Capital Corporation in Honolulu. After graduating with my MBA in 1993, I moved to the mainland and began my investment career as a Financial Consultant at Merrill Lynch in 1994, then Financial Advisor at Morgan Stanley, Vice President of UnionBanc Investment Services, before my move back to Morgan Stanley in July 2019 as Vice President, Financial Advisor & Senior Portfolio Manager. The partnership team of "The Galin Kranz Group of Morgan Stanley" was established shortly after. My partner and I pioneer the Women and Wealth Educational workshops to help others learn and understand the importance of financial planning to reach their personal goals.
For 27 years I served on the board of the Santa Barbara Outrigger Canoe Club (SBOCC) as the Open Women’s coach, Head Coach and President. I served on the board with the Santa Barbara Yacht Club (SBYC) for 3 years which I am currently still an active member and boater. One of the beauties of living in Southern CA is enjoying the waterfront which I have been fortunate to be a part of. Hawaii is still very much home, but Santa Barbara is not a bad second and both are great golf destinations.
A personal question I get often is how and why I got into my career of investments and financial management.
There are two main reasons - I was raised with a strong example of a father who had clear vision and goals. He worked his way from the bottom up to an incredibly successful business career. He was always planning, thinking, innovating and strategizing. I was his sidekick, and it became my way of life. The second reason came after I was faced with a divorce while raising a toddler. I had sole custody by choice. I made a goal to rebuild my life to provide my daughter with what my father did for our family. The journey was most rewarding when I learned to create my own success. The added joy is experiencing my daughter blossom to an incredible young woman. My personal experiences gave me a strong desire to educate and help others achieve the same for themselves and their loved ones. This has now been a big part of my life for over 25 years.
Success starts with a vision. With the right guidance the vision becomes a plan that executes to create an intended future. My personal and professional experiences provide me the abilities to work with the most complex situations to take care of the people that I care for in both my worlds. I have the support of a great team, as they are equally important and are actively evolving with our changing environment. I wouldn’t be where I am without some incredible people in my life, in both my personal and professional world.
For 27 years I served on the board of the Santa Barbara Outrigger Canoe Club (SBOCC) as the Open Women’s coach, Head Coach and President. I served on the board with the Santa Barbara Yacht Club (SBYC) for 3 years which I am currently still an active member and boater. One of the beauties of living in Southern CA is enjoying the waterfront which I have been fortunate to be a part of. Hawaii is still very much home, but Santa Barbara is not a bad second and both are great golf destinations.
A personal question I get often is how and why I got into my career of investments and financial management.
There are two main reasons - I was raised with a strong example of a father who had clear vision and goals. He worked his way from the bottom up to an incredibly successful business career. He was always planning, thinking, innovating and strategizing. I was his sidekick, and it became my way of life. The second reason came after I was faced with a divorce while raising a toddler. I had sole custody by choice. I made a goal to rebuild my life to provide my daughter with what my father did for our family. The journey was most rewarding when I learned to create my own success. The added joy is experiencing my daughter blossom to an incredible young woman. My personal experiences gave me a strong desire to educate and help others achieve the same for themselves and their loved ones. This has now been a big part of my life for over 25 years.
Success starts with a vision. With the right guidance the vision becomes a plan that executes to create an intended future. My personal and professional experiences provide me the abilities to work with the most complex situations to take care of the people that I care for in both my worlds. I have the support of a great team, as they are equally important and are actively evolving with our changing environment. I wouldn’t be where I am without some incredible people in my life, in both my personal and professional world.
My Process
LISTEN
to you, gaining a deep understanding of where you are, where you want to be, and how you want to get there.
INTERPRET
your unique circumstances to identify and analyze opportunities that can best meet your goals.
FORMULATE
and implement a highly customized strategy grounded in the expertise of an integrated, experienced team of professionals.
EVOLVE
by growing with you and adjusting your financial plan as life changes.
to you, gaining a deep understanding of where you are, where you want to be, and how you want to get there.
INTERPRET
your unique circumstances to identify and analyze opportunities that can best meet your goals.
FORMULATE
and implement a highly customized strategy grounded in the expertise of an integrated, experienced team of professionals.
EVOLVE
by growing with you and adjusting your financial plan as life changes.
Areas of Specialty
Women and Wealth
Wealth is about more than just your money. True wealth is also about your life and the things you value most. Regardless of whether you are married, divorced or widowed, have a family and or career, own business, create your wealth or inherit assets, there are relationships interests and goals that bring you joy. These vital elements need to be the heart of your wealth plan.
Click here for our Women and Wealth brochure
Investing with Impact
At Morgan Stanley, we find many clients are looking for an investment strategy that not only seeks to generate market-rate financial returns, but that also strives to deliver positive environmental and social impact.
Click here for our Investing with Impact brochure
Trust Services available through Morgan Stanley
Wealth accumulation is followed by wealth preservation, which in turn is followed by wealth transition. The management of these three wealth phases requires careful planning and long-term commitment.
Click here for our trust services brochure
Retirement Planning
Planning for retirement has never been easy, but in recent years, it's become increasingly difficult. Chances are, you are not covered by a defined benefit pension plan at work that provides known income payments at retirement. These plans have largely been replaced by 401(k) or other defined contribution plans that put the burden on you to make the right investment decisions.
That is where your Financial Advisor and the Morgan Stanley Goals Planning System (GPS) can help.
Click here for our Retirement Planning brochureThat is where your Financial Advisor and the Morgan Stanley Goals Planning System (GPS) can help.
Planning for Long-Term Care
You may have spent years carefully working and planning so that you have sufficient income for a comfortable retirement. You may think that your retirement savings are protected, but have you ever considered what might happen if you or your spouse required long-term care?
Click here for our Planning for Long-Term Care brochure
Tax, Trust and Estate Planning Overview
The Wealth and Estate Planning Strategists look at all aspects of an individual’s estate to understand the potential income tax and estate planning attributes of the vehicles. The goal is for the client and his or her investment professionals to make more informed investment decisions looking at their estate plan holistically.
Click here for our Tax, Trust and Estate Planning Strategies brochure
Navigating Divorce - Planning for the New Beginning
As you begin to plan for this next stage in life, it is important to evaluate the impact divorce can have on both your personal and financial matters. The more you know and the better you understand your options, the more likely you are to make sound financial decisions. Learn how to build a solid financial strategy that may help provide you with greater security and flexibility in the future.
Click here for our Navigating Divorce - Planning for the New Beginning brochure
Summary of our Wealth Planning Services
Click here to view and print our Comprehensive Wealth Planning Services brochure
Click here to view and print our Comprehensive Wealth Planning Services brochureLocation
1332 Anacapa Street 2nd
Fl
Santa Barbara, CA 93101
US
Direct:
(805) 564-7985(805) 564-7985
Fax:
(805) 433-9242(805) 433-9242
1332 Anacapa Street
2nd Floor
Santa Barbara, CA 93101
US
Direct:
(805) 564-7985(805) 564-7985
Meet My Team
Cassie Rapp
Client Associate
Phone:
(805) 564-7960(805) 564-7960
Jesse G. Mazza
Vice President, Private Banker
Phone:
(818) 713-4764(818) 713-4764
About Debra A Galin
As a Senior Vice President and Wealth Advisor with Morgan Stanley, Debra Galin has extensive experience and knowledge in the industry. For more than 24 years, she has worked with a selective group of high net worth individuals through an organic process dedicated to personalized service. Debra uses a comprehensive wealth strategy to help client meet their lifestyle and legacy goals. She is highly connected with some of the very best investment resources in the country.
Debra started her financial career in the financial services industry in 1990. She joined Smith Barney / Morgan Stanley in 2000 and recently created the Galin Kranz group in 2019, expanding her team to an even higher service level for her clients. Debra maintains two State Securities Law examination licenses, two General Industry examination licenses and 25 state registration licenses. She graduated from the University of California, Santa Barbara, with a Bachelor's degree in Economics.
Debra started her financial career in the financial services industry in 1990. She joined Smith Barney / Morgan Stanley in 2000 and recently created the Galin Kranz group in 2019, expanding her team to an even higher service level for her clients. Debra maintains two State Securities Law examination licenses, two General Industry examination licenses and 25 state registration licenses. She graduated from the University of California, Santa Barbara, with a Bachelor's degree in Economics.
Securities Agent: KY, CT, WA, OH, FL, CA, UT, MT, DE, AZ, TX, NM, LA, MN, IL, ID, GA, VT, NV, IA, AR, OR, MA, PA, NJ, HI, TN, CO, NY, MI; General Securities Representative; Investment Advisor Representative
CA Insurance License #: 0786798
CA Insurance License #: 0786798
About Cassie Rapp
Cassandra (Cassie) joined Morgan Stanley in December of 2013. She moved to Santa Barbara in 1996, attended Marymount for middle school and Laguna Blanca for high school. Cassie then attended University of California, Davis, and graduated from Westmont College with a Bachelor’s degree in Political Science. She has a 13 year daughter, LeAnne.
About Jesse G. Mazza
Jesse Mazza is a Private Banker serving Morgan Stanley Wealth Management advisors in California.
Jesse began his career in financial services in 2011. Prior to joining Morgan Stanley in 2016, Jesse was a Private Client Banker at JP Morgan Chase.
Jesse graduated from University of La Verne with a Bachelor of Science in Business Administration.
Jesse began his career in financial services in 2011. Prior to joining Morgan Stanley in 2016, Jesse was a Private Client Banker at JP Morgan Chase.
Jesse graduated from University of La Verne with a Bachelor of Science in Business Administration.
NMLS#: 667403
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
Londyn Crowder-Maree
Private Banker
Anthony M Gallea
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Workplace Advisor – Equity Compensation
Helen Zhao, CFP®, CFA®
Financial Planning Director, Vice President
Sean Lavin
Trust Specialist
About Londyn Crowder-Maree
Londyn Crowder-Maree is a Private Banker serving Morgan Stanley Wealth Management offices in California.
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.
Londyn began her career in financial services in 2008, and joined Morgan Stanley in 2014 as an Associate Private Banker. Prior to joining the firm, she was a Regional Bank Private Banker at Wells Fargo Bank, N.A. She also served as a Wealth Management Banker and an Internal Sales Specialist at Merrill Lynch.
Londyn is a graduate of Rutgers University, where she received Bachelor of Arts in Economics and a Masters of Business Administration from Florida Atlantic University in Boca Raton, FL. She lives in Valencia, CA with her daughter Jonah. Outside of the office, Londyn enjoys fashion, music as well as dedicating time to her church and philanthropic outreach programs.
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.
Londyn began her career in financial services in 2008, and joined Morgan Stanley in 2014 as an Associate Private Banker. Prior to joining the firm, she was a Regional Bank Private Banker at Wells Fargo Bank, N.A. She also served as a Wealth Management Banker and an Internal Sales Specialist at Merrill Lynch.
Londyn is a graduate of Rutgers University, where she received Bachelor of Arts in Economics and a Masters of Business Administration from Florida Atlantic University in Boca Raton, FL. She lives in Valencia, CA with her daughter Jonah. Outside of the office, Londyn enjoys fashion, music as well as dedicating time to her church and philanthropic outreach programs.
NMLS#: 800266
About Helen Zhao
Helen Zhao is a Vice President and Financial Planning Director, serving Morgan Stanley’s Wealth Management offices in the Woodland Hills market in Greater Los Angeles area. She is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Helen began her career in financial services in 2007 and has spent over ten years at Morgan Stanley. Prior to her career in finance, Helen was a practicing CPA with Deloitte Tax LLP and Ernst & Young.
Helen graduated from Pepperdine University with an MBA and holds her Certified Financial Planner® and Chartered Financial Analyst designations. Helen lives in west Los Angeles and teaches personal financial planning part time at UCLA Extension.
Helen began her career in financial services in 2007 and has spent over ten years at Morgan Stanley. Prior to her career in finance, Helen was a practicing CPA with Deloitte Tax LLP and Ernst & Young.
Helen graduated from Pepperdine University with an MBA and holds her Certified Financial Planner® and Chartered Financial Analyst designations. Helen lives in west Los Angeles and teaches personal financial planning part time at UCLA Extension.
About Sean Lavin
Sean is a Regional Trust Specialist for Morgan Stanley based in Los Angeles. He is responsible for supporting Private Wealth Advisors and their clients’ legal counsel in developing trust and fiduciary solutions for families, institutions and charities. Sean works closely with clients and their legal and strategic advisors to help educate them on appropriate trust vehicles designed to meet the clients’ specific goals and objectives. Sean also provides advice on how to utilize the fiduciary services available through the Morgan Stanley’s comprehensive third party trustee platform that is available to clients.
Sean joined Morgan Stanley in 1999 including several years as a Senior Vice President and Regional Trust Specialist with Smith Barney and Citi Trust. Prior to then, Sean was a Senior Trust Officer with Merrill Lynch / Bank of America.
Sean graduated from the University of Southern California with a bachelor’s degree in business administration and received his master’s degree in business administration from the UCLA Anderson School of Management. Sean holds the Certified Financial Planner and Certified Trust and Financial Advisor designations and is Series 7 and 66 licensed.
Sean joined Morgan Stanley in 1999 including several years as a Senior Vice President and Regional Trust Specialist with Smith Barney and Citi Trust. Prior to then, Sean was a Senior Trust Officer with Merrill Lynch / Bank of America.
Sean graduated from the University of Southern California with a bachelor’s degree in business administration and received his master’s degree in business administration from the UCLA Anderson School of Management. Sean holds the Certified Financial Planner and Certified Trust and Financial Advisor designations and is Series 7 and 66 licensed.
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Sabrina N. Kranz today.
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
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 and other legal matters.
4Morgan 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.
5Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Morgan 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.
10Morgan 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
11Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
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 and other legal matters.
4Morgan 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.
5Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Morgan 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.
10Morgan 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
11Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024), 3582895 (6/2024)
