Russell Ganz
Managing Director, Wealth Management, Financial Advisor, Family Wealth Director, Portfolio Management Director, Futures Specialist, Alternative Investments Director
Phone:
(561) 393-2027(561) 393-2027
Morgan Stanley Private Wealth Management
Sage Wealth Management
Our Mission Statement
Sage Wealth Management works intimately with a small number of highly successful individuals, families, and businesses to help build and preserve their wealth, maintain their lifestyle, and create a meaningful legacy.
Welcome
Sage Wealth Management is a top Private Wealth Management team within Morgan Stanley and ranked on a national level by both Barron's (2024 & 2025) and Forbes (2023 & 2024) for delivering a world class experience to our clients.
We provide a rare level of investment experience, combined with a deep understanding of tax, estate, and financial planning strategies. Our mission is to reduce complexity in our clients lives by acting as their “quarterback”, coordinating across all of their legal, tax, and other financial providers. This enables us to deliver truly holistic and comprehensive solutions for all financial needs and allows our clients to focus on what is most significant.
Three key attributes set us apart:
• First, Deep Industry Experience. Our Chief Investment Officer previously ran Morgan Stanley’s Wealth Management Research Department and co-managed $35 billion of institutional equities. Our Head of tax, Estate, and Planning is an experienced planning professional who joined us from a Big 4 accounting firm. This means that we never need to rely solely on outsiders for our advice.
• Second, Concierge-Quality Service. We are able to provide a distinctive level of white-glove service because we limit ourselves to working with a select number of clients. Our client service team gets to know our clients very intimately, which allows them to seamlessly and effectively assist with virtually all aspects of their financial lives.
• Third, Morgan Stanley. Being part of Morgan Stanley provides us with a real competitive advantage. Morgan Stanley is consistently recognized as a leader in wealth management for a reason – our size and focus on this business enables us to deliver a dedicated level of global resources and insights. Benefits include access to exclusive investments, lower manager fees, specialized access to Family Office Resources, and award-winning cyber-security to protect client data.
Please reach out with any questions. We look forward to getting to know you and together exploring how we can help.
We provide a rare level of investment experience, combined with a deep understanding of tax, estate, and financial planning strategies. Our mission is to reduce complexity in our clients lives by acting as their “quarterback”, coordinating across all of their legal, tax, and other financial providers. This enables us to deliver truly holistic and comprehensive solutions for all financial needs and allows our clients to focus on what is most significant.
Three key attributes set us apart:
• First, Deep Industry Experience. Our Chief Investment Officer previously ran Morgan Stanley’s Wealth Management Research Department and co-managed $35 billion of institutional equities. Our Head of tax, Estate, and Planning is an experienced planning professional who joined us from a Big 4 accounting firm. This means that we never need to rely solely on outsiders for our advice.
• Second, Concierge-Quality Service. We are able to provide a distinctive level of white-glove service because we limit ourselves to working with a select number of clients. Our client service team gets to know our clients very intimately, which allows them to seamlessly and effectively assist with virtually all aspects of their financial lives.
• Third, Morgan Stanley. Being part of Morgan Stanley provides us with a real competitive advantage. Morgan Stanley is consistently recognized as a leader in wealth management for a reason – our size and focus on this business enables us to deliver a dedicated level of global resources and insights. Benefits include access to exclusive investments, lower manager fees, specialized access to Family Office Resources, and award-winning cyber-security to protect client data.
Please reach out with any questions. We look forward to getting to know you and together exploring how we can help.
Team Recognition
- Barron's 2025 Top 250 Private Wealth Management Teams
- Source: Barron's (Awarded May 2025). Data compiled by Barron's based on time period from Jan 2024-Dec 2024.
- Barron's 2024 Top 250 Private Wealth Management Teams
- Source: Barron's (Awarded May 2024). Data compiled by Barron's based on time period from Jan 2023-Dec 2023.
- Forbes 2023 & 2024 America's Top Wealth Management Teams - Private Wealth
- Source: Forbes.com (2023-2024) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
- Forbes Best-In-State Wealth Management Teams (2023-2025)
- Source: Forbes.com (Awarded 2023–2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
- Forbes Best-In-State Wealth Advisors (Russell Ganz 2021-2025, David Berdon 2022-2025)
- Source: Forbes.com (Awarded 2020-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
- Forbes America's Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-In-State (Ryan Willsen 2018, 2019, 2022, 2023, 2024, 2025)
- Source: Forbes.com (Awarded 2018, 2019, 2022, 2023, 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Capabilities
- Comprehensive Wealth Planning
- Family Governance & Wealth Education
- Philanthropy Management
- Investment Management
- Open-Architecture Platform
- Manager Selection
- Sustainable & Responsible InvestingFootnote1
- Risk Management
- Hedging Strategies
- Corporate Services
- Retirement & Pension Plans
- Pre-Liquidity Planning
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.
DESIGNATIONS AND AWARDS
Forbes Best-In-State Wealth Management Teams (2023-2025)
Source: Forbes.com (Awarded 2023–2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Barron's Top 250 Private Wealth Management Teams (2024)
Source: Barron's (Awarded May 2024). Data compiled by Barron's based on time period from Jan. 2023- Dec. 2023
America's Top Wealth Management Teams: Private Wealth (2023-2024)
Source: Forbes.com (Awarded Nov 2023, 2024) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of the year prior to issuance of the award.
Forbes Best-In-State Wealth Advisors – Russell Ganz (2021-2025), David Berdon (2022-2025)
Source: Forbes.com (2021-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Top Next Gen Advisors – Ryan Willsen (2018, 2019, 2022, 2023 & 2024)
Source: Forbes.com 2018, 2019, 2022, 2023 & 2024. Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Certified Financial Planner – Ryan Willsen, Michael Constantine, Randy Pulley
Chartered Retirement Planning Counselor – Randy Pulley
Family Wealth Director – Russell Ganz, Ryan Willsen
Portfolio Management Director – Russell Ganz, David Berdon
Alternative Investments Director – Russell Ganz, David Berdon, Ryan Willsen
Global Sports and Entertainment Director - Marc Kassab
International Client Advisor - Marc Kassab
Workplace Advisor - Equity Compensation – Russell Ganz, David Berdon, Ryan Willsen
Resource Center
Many of our clients find the following resources valuable. From reading our insights within the research we produce, to learning more about the world class resources Morgan Stanley offers, our clients stay on top of the modern wealth management world.
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest Report
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond. Click the link below for more information and to access a library of interesting content.
Morgan Stanley Ideas Podcast
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Thoughts On the Market Podcast
Tax Planning Documents
Please view the following attachment to find the 2024 federal tax tables.
2024 Federal Tax Tables
Morgan Stanley Online
Many of our clients enjoy the technical excellence that Morgan Stanley bring to these safe, efficient, smart, fast and flexible digital tools, that make their lives easier.
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity.
• Current Financial News – access up-to-date news, current market data, research, company profiles, and quotes.
• MSO Mobile App – mobile check deposit, online bill pay, send money with Zelle, and e-authorizations all from your phone.
Enroll in Morgan Stanley OnlineMorgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity.
• Current Financial News – access up-to-date news, current market data, research, company profiles, and quotes.
• MSO Mobile App – mobile check deposit, online bill pay, send money with Zelle, and e-authorizations all from your phone.
Total Wealth View
It's hard to see the complete picture with only half the details. As a Morgan Stanley client, you can conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
Link and Add External Accounts Here
Online Security Center
Protecting your online security is our top priority. We proactively defend our systems and monitor the threat landscape to help anticipate issues before they arise and respond appropriately when they do. We also provide advice and best practices to safeguard your personal information external of the firm as well. To
learn more about the measures we take in the face of a constantly evolving cyber threat landscape and how you can better protect yourself, please visit our new Online Security Center.
Visit Online Security Centerlearn more about the measures we take in the face of a constantly evolving cyber threat landscape and how you can better protect yourself, please visit our new Online Security Center.
Digital Vault
Sign up for digital access to all of your financial documents via a Digital Vault, encapsulated by our cybersecurity technology. Use the Digital Vault as your secure cloud storage, put your most valued documents and have the ability to access them anywhere.
Learn MoreLocation
55 East 52nd Street
28th Floor
New York, NY 10055
US
595 South Federal Highway
Suite 400
Boca Raton, FL 33432
US
Direct:
(212) 903-7699(212) 903-7699
Meet Sage Wealth Management
David Berdon
Managing Director, Private Wealth Management, Private Wealth Advisor, Portfolio Manager, Workplace Advisor - Equity Compensation
Phone:
(212) 649-8597(212) 649-8597
Ryan Willsen, CFP®
Senior Vice President, Wealth Management, Private Wealth Advisor, Family Wealth Director
Phone:
(212) 903-7636(212) 903-7636
Marc Kassab
Senior Vice President, Wealth Management, Financial Advisor, Global Sports and Entertainment Director, International Client Advisor
Phone:
(212) 649-8591(212) 649-8591
Michael Constantine, CFP®
Financial Advisor, Portfolio Manager
Phone:
(212) 903-7684(212) 903-7684
Phone:
(954) 267-5641(954) 267-5641
Phone:
(212) 307-2434(212) 307-2434
Alexandra Novak
First Vice President, Chief of Staff
Phone:
(212) 649-8512(212) 649-8512
Robin Russell
Vice President, Wealth Management Associate
Phone:
(212) 903-7693(212) 903-7693
Jillian Nicholson
Assistant Vice President, Business Development Associate
Phone:
(212) 903-7676(212) 903-7676
Randy Pulley, CFP®, CRPC®
Vice President, Business Development Director
Phone:
(212) 903-7736(212) 903-7736
Lia Schulman
Registered Client Service Associate
Phone:
(212) 903-7699(212) 903-7699
Liam Walsh
Portfolio Associate
Phone:
(212) 903-7674(212) 903-7674
Boone Pham
Registered Client Service Associate
Phone:
(561) 394-8693(561) 394-8693
Chris Reardon
Private Wealth Management Team Associate
Phone:
(212) 903-7609(212) 903-7609
About Russell Ganz
Drawing on over two decades of portfolio management and financial planning experience, Russell advises clients on the management, preservation and transfer of their wealth. He focuses on fixed income portfolio management, particularly municipal bonds, and he oversees the team’s fixed income, equity and balanced portfolios.
Russell has also earned the Morgan Stanley Family Wealth Director designation, providing the team access to an extended suite of resources to address complex needs such as financial planning, insurance, and multigenerational wealth and estate planning.
Russell joined the team in 1997 at Bear Stearns, where he held the title of Managing Director, after originally entering the industry in 1996 as a fixed income trader focused on municipal bonds. He began his career as an attorney, specializing in securities and antitrust litigation. Russell holds a B.A. degree from the University of Michigan and a J.D. degree from the University of Miami School of Law. Most recently, Russell was named to the Forbes Best-In-State Wealth Advisors list for 2021, 2022 and 2023. Sage Wealth Management was also named to the Forbes Best-In-State Wealth Management Teams for 2023.
Russell is married with three children. In his spare time, he enjoys playing golf.
Russell has also earned the Morgan Stanley Family Wealth Director designation, providing the team access to an extended suite of resources to address complex needs such as financial planning, insurance, and multigenerational wealth and estate planning.
Russell joined the team in 1997 at Bear Stearns, where he held the title of Managing Director, after originally entering the industry in 1996 as a fixed income trader focused on municipal bonds. He began his career as an attorney, specializing in securities and antitrust litigation. Russell holds a B.A. degree from the University of Michigan and a J.D. degree from the University of Miami School of Law. Most recently, Russell was named to the Forbes Best-In-State Wealth Advisors list for 2021, 2022 and 2023. Sage Wealth Management was also named to the Forbes Best-In-State Wealth Management Teams for 2023.
Russell is married with three children. In his spare time, he enjoys playing golf.
Securities Agent: NY, DC, CA, CO, KY, OH, PR, VI, ID, NV, WA, IN, CT, AZ, FL, HI, NC, OR, DE, VT, TX, SC, PA, MA, MI, NH, IL, MO, MD, VA, TN, GA, MN, NJ, RI, UT, WY, WV; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1270104
NMLS#: 1270104
About David Berdon
Serving as Sage’s Chief Investment Officer, David constructs portfolios customized for each client’s unique investment objectives. David brings 25+ years of investing and financial markets experience to the task. Most recently, he headed Morgan Stanley's Wealth Management Research department, where he managed a team of 125 professionals responsible for creating and delivering investment advice to the firm's 16,000 advisors and $2 trillion in client assets. David's responsibilities spanned global asset allocation, product research and asset manager research for mutual funds, ETFs, and alternatives including private equity, private real estate and hedge funds. He also served as CEO and Board member of Morgan Stanley’s $6 billion publicly traded CGCM fund family.
Before joining Morgan Stanley, David spent 12 years at Goldman Sachs & Co., where he was a co-portfolio manager for $35 billion in institutional equities. One of the funds he co-managed, Goldman Sachs Large-Cap Value, was named the #1 fund in its category in 2004. David earned an MBA from the Wharton School at the University of Pennsylvania and a B.A. in government and law from Lafayette College.
In his spare time, David enjoys playing golf, all racquet sports, country music, and spending time with his wife, two daughters, and dog Leo.
Before joining Morgan Stanley, David spent 12 years at Goldman Sachs & Co., where he was a co-portfolio manager for $35 billion in institutional equities. One of the funds he co-managed, Goldman Sachs Large-Cap Value, was named the #1 fund in its category in 2004. David earned an MBA from the Wharton School at the University of Pennsylvania and a B.A. in government and law from Lafayette College.
In his spare time, David enjoys playing golf, all racquet sports, country music, and spending time with his wife, two daughters, and dog Leo.
Securities Agent: NY, NV, AZ, NH, MO, IN, RI, MN, MI, SC, DE, CO, WV, VT, OR, NC, GA, FL, CA, VA, MD, WY, WA, VI, PR, ID, PA, OH, MA, IL, DC, TX, CT, TN, NJ, UT, KY, HI; General Securities Principal; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1943349
NMLS#: 1943349
About Ryan Willsen
Ryan creates tailored financial plans centered on clients’ risk tolerance, short-term financial needs and longer-term wealth goals. He serves as the team’s main contact as a Financial Advisor for the accountants and attorneys of Sage’s clients, facilitating productive collaboration between the team and these professionals.
Ryan has worked in financial services for more than 10 years, joining the Sage team in 2011. He began his career at PriceWaterhouseCoopers LLP as a tax associate in the firm’s Wealth Management Tax Services group. In this previous role, he worked with trust, estate and private-foundation clients of several of the country’s largest wealth management firms.
In 2018, Ryan earned the Morgan Stanley Family Wealth Director designation, providing Sage clients with access to an extended suite of resources to address complex needs, such as financial planning, insurance, and multigenerational wealth and estate planning strategies.
In 2018, 2019, 2022, 2023 & 2024 Forbes named Ryan one of the country’s Top Next-Gen Wealth Advisors. He holds a bachelor’s degree in finance from Siena College and has his CERTIFIED FINANCIAL PLANNER™ designation. In addition, Sage Wealth Management was named to the Forbes Best-In-State Wealth Management Teams for 2023.
Ryan resides in Fairfield, Connecticut, with his wife, Courtney, and their daughter, Raegan. In his spare time, Ryan enjoys spending time with his family and friends, as well as golfing.
2018, 2019, 2022, 2023 & 2024 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2018, 2019, 2022, 2023 & 2024). Forbes America's Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-In-State ranking. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC starting in March until the following March of the year the award given (2018, 2019, 2022, 2023, 2024)
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Ryan has worked in financial services for more than 10 years, joining the Sage team in 2011. He began his career at PriceWaterhouseCoopers LLP as a tax associate in the firm’s Wealth Management Tax Services group. In this previous role, he worked with trust, estate and private-foundation clients of several of the country’s largest wealth management firms.
In 2018, Ryan earned the Morgan Stanley Family Wealth Director designation, providing Sage clients with access to an extended suite of resources to address complex needs, such as financial planning, insurance, and multigenerational wealth and estate planning strategies.
In 2018, 2019, 2022, 2023 & 2024 Forbes named Ryan one of the country’s Top Next-Gen Wealth Advisors. He holds a bachelor’s degree in finance from Siena College and has his CERTIFIED FINANCIAL PLANNER™ designation. In addition, Sage Wealth Management was named to the Forbes Best-In-State Wealth Management Teams for 2023.
Ryan resides in Fairfield, Connecticut, with his wife, Courtney, and their daughter, Raegan. In his spare time, Ryan enjoys spending time with his family and friends, as well as golfing.
2018, 2019, 2022, 2023 & 2024 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2018, 2019, 2022, 2023 & 2024). Forbes America's Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-In-State ranking. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC starting in March until the following March of the year the award given (2018, 2019, 2022, 2023, 2024)
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
NMLS#: 1537253
About Marc Kassab
Marc Kassab is an International Client Advisor with Sage Wealth Management at Morgan Stanley. He has over 20 years of experience in financial services. Prior to joining Sage in 2022, Marc worked as an international wealth manager for Safra National Bank.
A caring, hard-working professional, Marc offers his clients the highest level of quality service every day. His commitment to service excellence is the reason he has built a loyal following among his clients and has received numerous referrals throughout his career.
An attentive listener, Marc speaks many languages, which enables him to communicate comfortably and effectively in the mother tongue of his foreign-born clients. He is fluent in Hebrew, Spanish and Portuguese, and conversant in Italian and Arabic.
Born in Brooklyn, Marc serves the financial needs of a wide range of clients, including high-net-worth individuals in the New York metropolitan area. His roster of clients includes professionals, corporate executives, small and large business owners, and multigenerational families.
Given his longevity in the industry and unwavering dedication to service, it is not uncommon for Marc to work with three generations of the same family. With these clients, he has created a strong bond that goes well beyond the typical advisor-client relationship.
Marc is married and has four children. In his free time, he mentors children at his local synagogue, coaches at his local little league and enjoys traveling, running and biking.
A New York University alumnus, Marc holds an undergraduate degree in finance and marketing and a master’s degree in real estate development.
A caring, hard-working professional, Marc offers his clients the highest level of quality service every day. His commitment to service excellence is the reason he has built a loyal following among his clients and has received numerous referrals throughout his career.
An attentive listener, Marc speaks many languages, which enables him to communicate comfortably and effectively in the mother tongue of his foreign-born clients. He is fluent in Hebrew, Spanish and Portuguese, and conversant in Italian and Arabic.
Born in Brooklyn, Marc serves the financial needs of a wide range of clients, including high-net-worth individuals in the New York metropolitan area. His roster of clients includes professionals, corporate executives, small and large business owners, and multigenerational families.
Given his longevity in the industry and unwavering dedication to service, it is not uncommon for Marc to work with three generations of the same family. With these clients, he has created a strong bond that goes well beyond the typical advisor-client relationship.
Marc is married and has four children. In his free time, he mentors children at his local synagogue, coaches at his local little league and enjoys traveling, running and biking.
A New York University alumnus, Marc holds an undergraduate degree in finance and marketing and a master’s degree in real estate development.
Securities Agent: WV, GA, ID, NJ, NC, WY, OH, SC, WA, NV, UT, TN, CT, PR, PA, MA, KY, DC, CA, MO, FL, DE, NH, NY, RI, MN, CO, IN, VI, VA, HI, MD, MI, TX, VT, AZ, IL, OR; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 2332463
NMLS#: 2332463
About Michael Constantine
Michael began his career with Morgan Stanley in January 2015. Since joining the Sage Wealth Management team in 2018, he has immersed himself into numerous facets of the business. He works closely with the team's Chief Investment Officer managing all of the discretionary models and ensuring they are properly aligned to each client’s goals. In addition, he conducts research and manager due diligence to ensure all portfolios are up-to-date with the team’s current market thesis. Michael works in tandem with the advisors as a second set of eyes and point of contact for the ultra-high net worth client base. He is often involved in formulating tailored advice for clients, account construction and portfolio management, as well as financial planning. He also serves as the primary point of contact for all unsolicited equity, option and futures orders.
Michael holds FINRA® Series 7, 63, 65, and 3 licenses as well as the Certified Financial Planner designation. He earned a degree in Finance from Loyola University Maryland’s Sellinger School of Business.
Michael splits his time between his family’s home in Westchester and his own residence in Manhattan. He enjoys playing golf, cooking and is a devout NY Giants and Yankees fan. His goal is to establish a foundation through Morgan Stanley to provide underprivileged New York City neighborhoods with access to basic money management advice and financial planning.
Michael holds FINRA® Series 7, 63, 65, and 3 licenses as well as the Certified Financial Planner designation. He earned a degree in Finance from Loyola University Maryland’s Sellinger School of Business.
Michael splits his time between his family’s home in Westchester and his own residence in Manhattan. He enjoys playing golf, cooking and is a devout NY Giants and Yankees fan. His goal is to establish a foundation through Morgan Stanley to provide underprivileged New York City neighborhoods with access to basic money management advice and financial planning.
Securities Agent: TN, OR, IN, RI, NJ, DE, WV, TX, PA, IL, UT, SC, NY, NH, MN, ID, GA, CT, CO, AZ, MD, WY, WI, NV, NC, HI, WA, VI, OH, MI, FL, DC, PR, MO, KS, ME, KY, MA, CA, VT, VA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 2657062
NMLS#: 2657062
About Kristina Olsen
Kristina Olsen Madden advises families on wealth management disciplines at Morgan Stanley. Kristina has been a Financial Advisor at Morgan Stanley since 2016. Prior to joining Morgan Stanley, she worked for Merrill Lynch and Smith Barney in NYC.
She earned her Master’s Degree in Public Relations and Corporate Communications from New York University and Bachelor of Arts from Florida Atlantic University.
Kristina’s community involvement includes being honored as “Woman of the Year” in 2013 for the Leukemia and Lymphoma Society. She was co-chair for YWCA Harmony House in 2016, and board member for Nat King Cole Generation Hope, 2013-2018. Kristina also worked as a campaign manager in 2021 for LLS. In addition, Sage Wealth Management was named to the Forbes Best-In-State Wealth Management Teams for 2023.
Kristina currently resides in Delray Beach, Florida with her husband William Madden.
Forbes Best-In-State Wealth Management Teams (2023)
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
She earned her Master’s Degree in Public Relations and Corporate Communications from New York University and Bachelor of Arts from Florida Atlantic University.
Kristina’s community involvement includes being honored as “Woman of the Year” in 2013 for the Leukemia and Lymphoma Society. She was co-chair for YWCA Harmony House in 2016, and board member for Nat King Cole Generation Hope, 2013-2018. Kristina also worked as a campaign manager in 2021 for LLS. In addition, Sage Wealth Management was named to the Forbes Best-In-State Wealth Management Teams for 2023.
Kristina currently resides in Delray Beach, Florida with her husband William Madden.
Forbes Best-In-State Wealth Management Teams (2023)
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Securities Agent: CT, GA, ID, KY, NC, DE, VA, NJ, PA, SC, HI, MA, RI, PR, WA, NV, MD, WV, VT, TN, OR, MO, IL, DC, AZ, MI, MN, OH, VI, WY, TX, NH, FL, CO, CA, UT, IN, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 909715
NMLS#: 909715
About Reuben Askowitz
Securities Agent: GA, VA, SC, CA, WA, NH, MN, HI, UT, PR, NJ, KY, DE, TN, RI, MI, TX, NY, NV, NM, NC, AZ, WY, OH, ID, DC, VI, VT, PA, MO, MD, CO, MA, IL, CT, WV, OR, IN, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1393615
NMLS#: 1393615
About Alexandra Novak
Alexandra is Sage Wealth Management’s Chief of Staff. In this role she leverages 18 years of management experience to help ensure Sage's clients receive an exceptional experience as part of Morgan Stanley Private Wealth Management. Alexandra oversees various aspects of Sage's business including business planning, business development, marketing, and client relationship operations. Alexandra is also responsible for the management and career development of the Support Professionals on the team. Her leadership qualities and experience in developing and executing on strategic initiatives have provided business efficiency and scalability.
Prior to joining Morgan Stanley in 2017, Alexandra worked at Credit Suisse Private Bank where she helped increase the firm’s domestic footprint through Financial Advisor Recruitment. Prior to this she spent 8 years at UBS Private Bank where she managed advisory teams that supported domestic and Latin American clients.
Alexandra holds FINRA® Series 7 and 66 licenses. She earned a Bachelor of Arts degree from Hamilton College with concentrations in Comparative Literature and Economics.
Alexandra is an animal lover and advocate, volunteering for Distinguished Dobermans Rescue, Inc. where she is the head of social media and fundraising/ events. She is also active in her hometown of Manhasset, NY where she serves as President of the Manhasset Social Club. Outside of the office, she enjoys spending time with her husband, Ryan, and son, Travis.
Prior to joining Morgan Stanley in 2017, Alexandra worked at Credit Suisse Private Bank where she helped increase the firm’s domestic footprint through Financial Advisor Recruitment. Prior to this she spent 8 years at UBS Private Bank where she managed advisory teams that supported domestic and Latin American clients.
Alexandra holds FINRA® Series 7 and 66 licenses. She earned a Bachelor of Arts degree from Hamilton College with concentrations in Comparative Literature and Economics.
Alexandra is an animal lover and advocate, volunteering for Distinguished Dobermans Rescue, Inc. where she is the head of social media and fundraising/ events. She is also active in her hometown of Manhasset, NY where she serves as President of the Manhasset Social Club. Outside of the office, she enjoys spending time with her husband, Ryan, and son, Travis.
About Robin Russell
Robin is a Wealth Management Associate for the Sage Wealth Management team. She is responsible for handling the team’s day-to-day operations and client service requests, which includes money movement, account opening, unsolicited orders and executions, and client relationship building. Robin is dedicated to providing clients with high quality holistic service and leverages over 20 years of experience in financial services to do so.
Robin holds FINRA® Series 7 and Series 66 licenses and earned a Bachelor of Arts from New York University, with a concentration in Economics.
When she is not working Robin loves all things outdoors, especially running. Robin participates in numerous running events including completing 6 New York City marathons and 5 International marathons. Robin is a long time member of the New York Road Runners.
Robin holds FINRA® Series 7 and Series 66 licenses and earned a Bachelor of Arts from New York University, with a concentration in Economics.
When she is not working Robin loves all things outdoors, especially running. Robin participates in numerous running events including completing 6 New York City marathons and 5 International marathons. Robin is a long time member of the New York Road Runners.
About Jillian Nicholson
Jillian is a Business Development Associate on the Sage Wealth Management team. Since joining the team, Jillian has acquired a broad range of responsibilities, which include fielding incoming client calls, servicing client accounts, supporting financial advisors and assisting other support professionals on the team to help ensure maximum efficiency. Jillian also focuses on customer relationship management. She maintains a quarterly review calendar to ensure all clients are contacted at least quarterly. She is passionate about delivering excellent service to clients and all Morgan Stanley has to offer.
Jillian holds FINRA® Series 7 and 66 licenses. She earned a degree in finance and marketing from Loyola University Maryland, where she graduated Cum Laude.
Jillian was born and raised in Long Island, New York. She enjoys spending time with her family and friends.
Jillian holds FINRA® Series 7 and 66 licenses. She earned a degree in finance and marketing from Loyola University Maryland, where she graduated Cum Laude.
Jillian was born and raised in Long Island, New York. She enjoys spending time with her family and friends.
About Randy Pulley
Randy began his financial services career in 2014. Prior to joining Morgan Stanley, he spent eight years at Merrill Lynch Wealth Management. As a CFP® professional, he leverages his wealth planning experience and uses a highly personalized approach to address complex needs around investment management, cash flow analysis, insurance, and education planning. Since joining the Sage team in 2022, he has been involved in numerous facets of the business. He works closely with the team’s Chief Investment Officer conducting due diligence and managing the team’s alternative investments platform. In addition, he focuses on the team’s discretionary models and serves as a point of contact for unsolicited equity, option, and futures orders. Lastly, he works in tandem with each advisor addressing the objectives of the team’s ultra-high net worth client base.
Randy holds his Series 7, Series 66, and Series 3 licenses as well as licenses for life and health insurance. He holds a BS in Finance from Rutgers Business School, his CFP® certification awarded by the Certified Financial Planner Board of Standards and earned his Chartered Retirement Planning Counselor℠ designation by the College for Financial Planning.
Randy is a New Jersey native. He enjoys volunteering his time towards multiple causes, learning new cultures through travel, and remaining active as a lifelong soccer player.
Disclaimer:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Randy holds his Series 7, Series 66, and Series 3 licenses as well as licenses for life and health insurance. He holds a BS in Finance from Rutgers Business School, his CFP® certification awarded by the Certified Financial Planner Board of Standards and earned his Chartered Retirement Planning Counselor℠ designation by the College for Financial Planning.
Randy is a New Jersey native. He enjoys volunteering his time towards multiple causes, learning new cultures through travel, and remaining active as a lifelong soccer player.
Disclaimer:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
About Lia Schulman
Lia joined the Sage Wealth Management team as a Client Service Associate in March of 2022. She currently assists all team members in their daily and long-term operations. Whether it's welcoming clients to visit the Sage offices in person, or assisting in the logistics of a virtual meeting, Lia seeks to provide an exceptional client experience. In addition to her administrative responsibilities, Lia assists senior members of the team in client relationship management.
Although Lia is a New York native, she earned her Bachelor of Arts degree from the University of Wisconsin-Madison. She graduated on the Dean's list with a major in Communication Arts and minored in Technological Studies. In her spare time, Lia enjoys seeing live music, trying her best at trivia, and crossing off films from her bucket-list.
Although Lia is a New York native, she earned her Bachelor of Arts degree from the University of Wisconsin-Madison. She graduated on the Dean's list with a major in Communication Arts and minored in Technological Studies. In her spare time, Lia enjoys seeing live music, trying her best at trivia, and crossing off films from her bucket-list.
About Liam Walsh
Liam is a Portfolio Associate on the Sage Wealth Management team. Prior to joining Sage, Liam focused on stock plan business at Morgan Stanley, working closely with corporate clients and their equity plan participants.
Liam graduated from Marist College in 2018 with a B.S. in Business Administration with a concentration in Finance. He played lacrosse for their Division 1 lacrosse team. Liam holds his Series 7, Series 66, and Life and Health Insurance licenses.
Liam currently lives in Manhattan and enjoys attending concerts and sporting events.
Liam graduated from Marist College in 2018 with a B.S. in Business Administration with a concentration in Finance. He played lacrosse for their Division 1 lacrosse team. Liam holds his Series 7, Series 66, and Life and Health Insurance licenses.
Liam currently lives in Manhattan and enjoys attending concerts and sporting events.
About Boone Pham
Boone joined the Sage Wealth Management team in July 2025 as a Registered Client Service Associate. Prior to joining Sage, he worked on the E*TRADE from Morgan Stanley Platinum team in Tampa, Florida where he specialized in relationship management of E*TRADE’s high net worth clients.
Boone graduated from the University of South Florida in 2022 with a B.S. in Economics. Boone holds his Series 7, 63, and 66 licenses.
He currently lives in Hollywood, Florida and enjoys going to the gym, drawing, painting, and doing hip-hop choreography.
Boone graduated from the University of South Florida in 2022 with a B.S. in Economics. Boone holds his Series 7, 63, and 66 licenses.
He currently lives in Hollywood, Florida and enjoys going to the gym, drawing, painting, and doing hip-hop choreography.
About Chris Reardon
Chris began his career at Morgan Stanley in 2022 as a Financial Planning Specialist. In this role, he supported advisors on projects ranging from retirement planning to complex equity award analysis. He worked closely with clients to understand their needs and provide tailored solutions.
Chris graduated in 2021 from Pace University with a Bachelor of Business Administration in Finance. He holds his Series 7 and Series 66 licenses.
Outside of work, Chris enjoys traveling, running, and spending quality time with friends and family. He divides his time between Manhattan and Sag Harbor, New York.
Chris graduated in 2021 from Pace University with a Bachelor of Business Administration in Finance. He holds his Series 7 and Series 66 licenses.
Outside of work, Chris enjoys traveling, running, and spending quality time with friends and family. He divides his time between Manhattan and Sag Harbor, New York.
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Tony Silva
Private Banker
About Tony Silva
Tony Silva is a Private Banker serving Morgan Stanley’s Wealth Management offices in New York City.
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.
Tony began his career in financial services in 1995, and joined Morgan Stanley in 2015. Prior to his current position, he was a Project Manager in our Home Loans organization. Prior to joining the firm, he held a number of roles at mortgage financing institutions.
Tony is a graduate of Rutgers University, where he received a Bachelor of Science in Management. He lives in Livingston, NJ with his family. Outside of the office, Tony enjoys traveling, playing soccer, 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.
Tony began his career in financial services in 1995, and joined Morgan Stanley in 2015. Prior to his current position, he was a Project Manager in our Home Loans organization. Prior to joining the firm, he held a number of roles at mortgage financing institutions.
Tony is a graduate of Rutgers University, where he received a Bachelor of Science in Management. He lives in Livingston, NJ with his family. Outside of the office, Tony enjoys traveling, playing soccer, and spending time with family and friends.
NMLS#: 217945
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, 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
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Private Wealth Management Podcast
Bringing you engaging stories and key insights surrounding the complexities associated with significant wealth, including:
- Intergenerational Planning
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LISTEN | Passion Assets: Investing in Art
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Managing Significant Wealth
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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.
Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to 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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) 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 | Morgan Stanley
1Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to 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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) 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 | Morgan Stanley
CRC 4237142 (02/2025)
