David H. Bigler
Managing Director, Market Executive
Phone:
(619) 544-6500(619) 544-6500
Morgan Stanley
San Diego Market Office
You define success, we help you achieve it
101 W Broadway
Ste 1800
San Diego, CA 92101
US
Market:
(619) 236-1331(619) 236-1331
Toll-Free:
(800) 473-1331(800) 473-1331
Market Executive
David BiglerPhone:
(619) 544-6500(619) 544-6500
About Morgan Stanley San Diego Market
As the Market Executive of Morgan Stanley’s San Diego Market, my team and I are committed to a client-first culture. Not just in words, but in action. Our collective mission is to deliver the global resources of a Wall Street powerhouse to our Financial Advisors in a streamlined fashion to help their clients achieve their financial goals and realize their dreams.
An environment where integrity and professionalism are evident in every relationship, we believe that the best formula to serve clients with excellence is to empower our Financial Advisors, be extraordinarily responsive to their needs, and keep the greenlight in the “go” position as much as possible.
From as far north as Carlsbad to Downtown San Diego, our market has been embedded in the community since 1947. Home to the nation’s largest concentration of military personnel, I am especially proud of the strong relationship our market has built with members of the military. Above all, as a market with many first-generation Americans, we continuously promote a strong culture of diversity and inclusion and believe in the power of leveraging many viewpoints to drive business results, and ultimately our success.
High-net-worth individuals, families and institutions demand flexibility as well as a bespoke level of service. The San Diego Market has cultivated an environment that combines the talents of our Financial Advisors with the industry-leading tools and comprehensive resources of Morgan Stanley – resulting in best-in-class service for clients. That’s why we consistently attract advisors whose names appear in Barron’s “Top Advisors in the U.S.” and “Best in State” lists.
At the San Diego Market, we’re deeply committed to San Diego’s people and causes. We support the military members and have provided veterans with their first “civilian” job opportunities. We work with the local ASYMCA and partner with several foundations dedicated to helping Navy Seals and Special Operators move into the work force. If we see the opportunity to help, we will. If we can connect a veteran to Morgan Stanley’s vast network, we’ll make that happen, too.
Client first. Community oriented. Advice that makes a difference. The San Diego Market is a great place for clients to grow wealth, protect assets, mitigate tax burdens and build a legacy that impacts the people and causes that matter most to them.
David H. Bigler
Managing Director
Market Executive,
San Diego Market
Source: Barron's.com (March 2022) 2022 Barron's Top 1,200 Financial Advisors: State-by-State ranking awarded in 2022. This ranking was determined based on an evaluation process conducted by Barron's during the period from Sept 2020 - Sept 2021. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. 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.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC
An environment where integrity and professionalism are evident in every relationship, we believe that the best formula to serve clients with excellence is to empower our Financial Advisors, be extraordinarily responsive to their needs, and keep the greenlight in the “go” position as much as possible.
From as far north as Carlsbad to Downtown San Diego, our market has been embedded in the community since 1947. Home to the nation’s largest concentration of military personnel, I am especially proud of the strong relationship our market has built with members of the military. Above all, as a market with many first-generation Americans, we continuously promote a strong culture of diversity and inclusion and believe in the power of leveraging many viewpoints to drive business results, and ultimately our success.
High-net-worth individuals, families and institutions demand flexibility as well as a bespoke level of service. The San Diego Market has cultivated an environment that combines the talents of our Financial Advisors with the industry-leading tools and comprehensive resources of Morgan Stanley – resulting in best-in-class service for clients. That’s why we consistently attract advisors whose names appear in Barron’s “Top Advisors in the U.S.” and “Best in State” lists.
At the San Diego Market, we’re deeply committed to San Diego’s people and causes. We support the military members and have provided veterans with their first “civilian” job opportunities. We work with the local ASYMCA and partner with several foundations dedicated to helping Navy Seals and Special Operators move into the work force. If we see the opportunity to help, we will. If we can connect a veteran to Morgan Stanley’s vast network, we’ll make that happen, too.
Client first. Community oriented. Advice that makes a difference. The San Diego Market is a great place for clients to grow wealth, protect assets, mitigate tax burdens and build a legacy that impacts the people and causes that matter most to them.
David H. Bigler
Managing Director
Market Executive,
San Diego Market
Source: Barron's.com (March 2022) 2022 Barron's Top 1,200 Financial Advisors: State-by-State ranking awarded in 2022. This ranking was determined based on an evaluation process conducted by Barron's during the period from Sept 2020 - Sept 2021. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. 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.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC
Services Provided
- Retirement PlanningFootnote1
- Saving for CollegeFootnote2
- Maintaining Cash Flow
- Long-term Care InsuranceFootnote3
- Traditional Investments
- Alternative InvestmentsFootnote4
- Insurance ServicesFootnote5
- Investing with ImpactFootnote6
- Legacy PlanningFootnote7
- Succession PlanningFootnote8
- Family Mission Statements
- Next Generation EducationFootnote9
- Lending SolutionsFootnote10
- Cash Management SolutionsFootnote11
Our Team at Morgan Stanley San Diego Market
Sean Reynolds
Associate Market Manager
Phone:
(619) 544-6541(619) 544-6541
Justin T. Steers, CEPA®
Branch Manager
Phone:
(858) 613-8181(858) 613-8181
Joseph A. Campano
Executive Director, Market Manager
Phone:
(858) 729-5000(858) 729-5000
Glenn Mazzone
Branch Manager
Phone:
(760) 602-3500(760) 602-3500
Amber Smith, CRPC®, ADPA®
Branch Manager, Financial Advisor
Phone:
(858) 674-3931(858) 674-3931
Jolene Weston
Vice President, Market Business Service Officer
Phone:
(619) 238-6270(619) 238-6270
Richard Martinez
First Vice President, Senior Risk Officer
Phone:
(858) 729-5038(858) 729-5038
Sofia Aguais
Market Administrator
Phone:
(619) 544-6506(619) 544-6506
About David H. Bigler
David Bigler is a Managing Director who serves as the Market Executive for the San Diego Market of Morgan Stanley Wealth Management. The business consists of six branches, including Downtown San Diego, La Jolla, Rancho Santa Fe, Rancho Bernardo, UTC, Carlsbad and Downtown San Diego. With 20+ years of wealth management and leadership experience, David oversees approximately 200 Financial Advisors who manage more than $40 billion in client assets.
David is proud at how well his management team, first-class Financial Advisors, and support professionals all embody the firm’s “client first” culture. Their collective mission is to deliver the global resources of a Wall Street powerhouse in a streamlined fashion to help clients achieve their financial goals and realize their dreams. As a former successful Financial Advisor, David truly understands the importance of placing clients’ demands as the top priority. He believes that the best formula to serve clients with excellence is to empower his Financial Advisors, be extraordinarily responsive to their needs, and keep the greenlight in the “go” position as much as possible.
David grew up in Miami Beach, Florida. A first generation American, his parents were immigrants from two different worlds, religions, and cultures. After earning his Bachelor’s in Business from Pace University in Manhattan, he received his MBA from the Kellogg School of Business at Northwestern University. David’s diverse background as well as his humble beginnings have connected him with a rich variety of people on a deeper level, driving him to prioritize helping others and paving the way to a very fulfilling career. He currently lives in Coronado, California with his wife, Catherine, and their two children.
David is proud at how well his management team, first-class Financial Advisors, and support professionals all embody the firm’s “client first” culture. Their collective mission is to deliver the global resources of a Wall Street powerhouse in a streamlined fashion to help clients achieve their financial goals and realize their dreams. As a former successful Financial Advisor, David truly understands the importance of placing clients’ demands as the top priority. He believes that the best formula to serve clients with excellence is to empower his Financial Advisors, be extraordinarily responsive to their needs, and keep the greenlight in the “go” position as much as possible.
David grew up in Miami Beach, Florida. A first generation American, his parents were immigrants from two different worlds, religions, and cultures. After earning his Bachelor’s in Business from Pace University in Manhattan, he received his MBA from the Kellogg School of Business at Northwestern University. David’s diverse background as well as his humble beginnings have connected him with a rich variety of people on a deeper level, driving him to prioritize helping others and paving the way to a very fulfilling career. He currently lives in Coronado, California with his wife, Catherine, and their two children.
About Sean Reynolds
Sean Reynolds serves as the San Diego Market Business Development Manager whose primary focus is to help our Financial Advisors do more for their clients by connecting them with the right tools and resources of a world class investment firm. As part of the Regional Sales Group, Sean is responsible for driving revenue growth, executing strategic and tactical initiatives, providing ongoing thought leadership, and coordinating efforts around local, regional, and national initiatives.
His career at Morgan Stanley began in 2016 as a Wealth Associate Advisor and most recently as a successful Financial Advisor. A native of San Diego, Sean has a true passion to help the people in the community achieve personal and professional success. Sean’s fiancé is a Navy surgeon, and his father was a Top-Gun Navy pilot, both of which make him especially proud of the strong relationship the San Diego Market has built with members of the military as well as their families.
Sean earned a Bachelor of Science degree from the University of Oregon. In his spare time he enjoys golf, travel and sporting events.
His career at Morgan Stanley began in 2016 as a Wealth Associate Advisor and most recently as a successful Financial Advisor. A native of San Diego, Sean has a true passion to help the people in the community achieve personal and professional success. Sean’s fiancé is a Navy surgeon, and his father was a Top-Gun Navy pilot, both of which make him especially proud of the strong relationship the San Diego Market has built with members of the military as well as their families.
Sean earned a Bachelor of Science degree from the University of Oregon. In his spare time he enjoys golf, travel and sporting events.
About Justin T. Steers
Justin Steers, Branch Manager for the Morgan Stanley, has been in the Wealth Management industry for 30 years. Previously with UBS for over 20 years, Justin’s accomplishments range from becoming a successful Financial Advisor, Private Wealth Advisor, Branch Manager, and Complex Manager. He has led teams in California, Nevada, Oregon, Idaho, Montana, Washington, Georgia, Florida, and previously managed the UBS Wealth Management business in North County San Diego. Justin found his passion in mentoring others to deliver financial education and tailored services that help clients create balance and reach their own dreams and goals. He has been recognized by UBS six times, either individually or as part of the field leadership team, to its prestigious Leadership Council.
Justin’s track record of growing every office he has managed signifies his success in creating impact for both clients and employees. He is a collaborative leader who assists teams to develop practices focused on the client, instilling in them his philosophy of servant leadership. He also believes strongly in giving back to the community. Justin has served many charitable organizations across the U.S. and currently sits as a Board Member of The Boys & Girls Clubs of Carlsbad. He respects that struggling families and underprivileged kids often need help to see accessible possibilities for their own lives.
Justin enjoys the outdoors, golf, and his lifelong passion of the electric guitar. Justin and his wife Jolie have two teenage daughters, Taylor and Paige, who love travelling, dance, and spending time at the beach in San Diego.
Justin’s track record of growing every office he has managed signifies his success in creating impact for both clients and employees. He is a collaborative leader who assists teams to develop practices focused on the client, instilling in them his philosophy of servant leadership. He also believes strongly in giving back to the community. Justin has served many charitable organizations across the U.S. and currently sits as a Board Member of The Boys & Girls Clubs of Carlsbad. He respects that struggling families and underprivileged kids often need help to see accessible possibilities for their own lives.
Justin enjoys the outdoors, golf, and his lifelong passion of the electric guitar. Justin and his wife Jolie have two teenage daughters, Taylor and Paige, who love travelling, dance, and spending time at the beach in San Diego.
About Joseph A. Campano
My path to becoming the Market Manager for Morgan Stanley in La Jolla may not be typical, but it’s proven to be instrumental in my success. I graduated from West Point in 1983 and spent 10 years as a Military Intelligence Officer in the US Army. I served as a Radar Platoon Leader on the Demilitarized Zone in Korea. And during one of history’s most critical times, I was the Company Commander in Germany of a 200-soldier Signals Intelligence Company and witnessed the fall of the Berlin Wall up close and personal.
My career in the Financial Services industry began as a Financial Advisor in 1993 for Merrill Lynch. I spent 16 years there, rising through the ranks as a Resident Manager, Producing Sales Manager, Associate Director, and Complex Director. In 2010, I joined Morgan Stanley. I’m currently the Market Manager in La Jolla, where I oversee 40 Financial Advisors and over $80 million in revenue.*
I am actively involved with Curebound and it's mission to eliminate cancer in our lifetime, and I have participated in the Curebound Cancer Challenge (formerly known as Padres Pedal The Cause) for 10 consecutive years. And I’m very proud to be an active member of the Morgan Stanley Veterans Employee Network Group.
I live in downtown San Diego, and I have two grown sons and 2 very handsome young grandsons. In my spare time, I like to work out, watch the Baltimore Ravens, and I love to travel (Italy and Napa Valley are my favorite destinations).
My career in the Financial Services industry began as a Financial Advisor in 1993 for Merrill Lynch. I spent 16 years there, rising through the ranks as a Resident Manager, Producing Sales Manager, Associate Director, and Complex Director. In 2010, I joined Morgan Stanley. I’m currently the Market Manager in La Jolla, where I oversee 40 Financial Advisors and over $80 million in revenue.*
I am actively involved with Curebound and it's mission to eliminate cancer in our lifetime, and I have participated in the Curebound Cancer Challenge (formerly known as Padres Pedal The Cause) for 10 consecutive years. And I’m very proud to be an active member of the Morgan Stanley Veterans Employee Network Group.
I live in downtown San Diego, and I have two grown sons and 2 very handsome young grandsons. In my spare time, I like to work out, watch the Baltimore Ravens, and I love to travel (Italy and Napa Valley are my favorite destinations).
CA Insurance License #: 0G59265
About Glenn Mazzone
As the Branch Manager for the Carlsbad office of Morgan Stanley, I’m fortunate to work with an amazing group of advisors and support staff who are deeply committed to our clients’ success. Carlsbad is a vibrant community, offering a diverse mix of small business owners, retirees, military veterans and families looking for innovative ways to grow and protect their wealth.
In my position, I look for uniquely creative solutions to address the challenges of our clients and advisors. I started in the Financial Services industry in 1984 doing analytic work for EF Hutton. My career has taken me from the retail side at Shearson Lehman to an FA training other FAs for Prudential. I believe that if you do right by your advisors, they’ll do right by your clients.
I’ve held many titles over the years, including Associate Complex Manager, Financial Analyst, and Regional Director of Sales and Training. Helping others is one of the joys of my profession and I always love hearing from advisors who I mentored in their early days.
I was raised on Long Island and earned a BA in accounting at Hofstra University. After that I received my MBA in Finance from New York University. I’ve been married to the same wonderful women since 1988 and we have two children. Recently, I became a grandfather to a beautiful baby girl.
I have a true passion for giving back to our community and am active in helping our military veterans in any way possible, I also volunteer with San Diego’s various food and toy drives.
In my position, I look for uniquely creative solutions to address the challenges of our clients and advisors. I started in the Financial Services industry in 1984 doing analytic work for EF Hutton. My career has taken me from the retail side at Shearson Lehman to an FA training other FAs for Prudential. I believe that if you do right by your advisors, they’ll do right by your clients.
I’ve held many titles over the years, including Associate Complex Manager, Financial Analyst, and Regional Director of Sales and Training. Helping others is one of the joys of my profession and I always love hearing from advisors who I mentored in their early days.
I was raised on Long Island and earned a BA in accounting at Hofstra University. After that I received my MBA in Finance from New York University. I’ve been married to the same wonderful women since 1988 and we have two children. Recently, I became a grandfather to a beautiful baby girl.
I have a true passion for giving back to our community and am active in helping our military veterans in any way possible, I also volunteer with San Diego’s various food and toy drives.
About Amber Smith
Amber enjoys her leadership role as Branch Manager of the Ranch Bernardo office. She also provides holistic investment and retirement planning within the context of multi-generational wealth management and estate investment planning. She is the practice manager. She also advises in the area of liability management and faculties integrating business needs into a complete personal financial picture.
With the encouragement of her long tenure financial advisor father, she joined the practice in 2012.
Amber’s passion for learning and drive for achievements led her to a private high school, La Jolla Country Day. After many college visits, she decided on U.C. Davis and after two years in Neurobiology, Psychology, and Behavioral in addition to engineering level math, be completed her B.A. in Philosophy and an emphasis on Logic. For eight years she worked full time and moved up the ranks in one of the “Fortune 500’s Top Companies to Work for.” She also spent a year facilitating an English language exchange program living overseas.
Amber spends most of her time with her family and especially enjoys trips with her little one to the San Diego Zoo, Safari Park, Disneyland, and Children’s Museum. She is an active and passionate member of the Rady Children’s Hospital North County, community groups, and professional estate planning councils. She enjoys cooking adventurous food and traveling extensively. Her Favorite travel destinations include: Turkey, Israel, Europe, and the Dominican Republic. She speaks Spanish and Turkish.
Securities Agent: MD, NV, PA, UT, WV, WA, VA, TX, TN, SC, OR, OK, NY, MS, MO, MN, LA, IN, ID, GA, FL, CO, CA, AZ, AR, MI; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1009088
CA Insurance License #: 0I23657
With the encouragement of her long tenure financial advisor father, she joined the practice in 2012.
Amber’s passion for learning and drive for achievements led her to a private high school, La Jolla Country Day. After many college visits, she decided on U.C. Davis and after two years in Neurobiology, Psychology, and Behavioral in addition to engineering level math, be completed her B.A. in Philosophy and an emphasis on Logic. For eight years she worked full time and moved up the ranks in one of the “Fortune 500’s Top Companies to Work for.” She also spent a year facilitating an English language exchange program living overseas.
Amber spends most of her time with her family and especially enjoys trips with her little one to the San Diego Zoo, Safari Park, Disneyland, and Children’s Museum. She is an active and passionate member of the Rady Children’s Hospital North County, community groups, and professional estate planning councils. She enjoys cooking adventurous food and traveling extensively. Her Favorite travel destinations include: Turkey, Israel, Europe, and the Dominican Republic. She speaks Spanish and Turkish.
Securities Agent: MD, NV, PA, UT, WV, WA, VA, TX, TN, SC, OR, OK, NY, MS, MO, MN, LA, IN, ID, GA, FL, CO, CA, AZ, AR, MI; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1009088
CA Insurance License #: 0I23657
CA Insurance License #: 0I23657
About Jolene Weston
Jolene Weston is the Market Business Service Officer for the San Diego Market at Morgan Stanley. She began her career in financial services at a San Diego-based hedge fund before joining Morgan Stanley in 2010 as a Client Service Associate. She spent several years in that role before transitioning to management as a Business Service Manager prior to accepting her current role. Jolene oversees all service and operations for the sixbranches across the San Diego market and loves helping Advisors strengthen and grow their business through excellent client service. Jolene earned her Bachelors in Finance and Masters in Marketing from San Diego State University. She resides in downtown San Diego and spends her free time running, travelling and enjoying live music.
About Richard Martinez
Richard “Ricky” Martinez is the Senior Risk Officer for the San Diego Market of Morgan Stanley. Ricky has over 30 years of wealth management and financial services experience with Charles Schwab, American Express, Intuit and Morgan Stanley. In that time Ricky has held several management and leadership roles in client service, operations, trading, product management, and risk management. He has been a risk manager for 14 years with Morgan Stanley and the current Senior Risk Officer in San Diego for the last 8 years. He manages a team of five risk officers overseeing 6 branches in San Diego county. The San Diego risk team works with financial advisors, service managers, branch managers and clients to mitigate risk for clients and the firm across our platform. Ricky holds a BFA from the San Francisco Art Institute.
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Branch Address
4350 La Jolla Village Dr
Ste 1000
San Diego, CA 92122
US
Branch:
(858) 597-7777(858) 597-7777
Toll-Free:
(800) 821-4593(800) 821-4593
Fax:
(858) 597-0455(858) 597-0455
Branch Address
5796 Armada Drive
Suite 200
Carlsbad, CA 92008
US
Branch:
(760) 931-4600(760) 931-4600
Toll-Free:
(800) 676-0460(800) 676-0460
Fax:
(760) 931-4647(760) 931-4647
Branch Manager
Glenn Mazzone
Branch Address
1111 Prospect Street
La Jolla, CA 92037
US
Branch:
(858) 729-5000(858) 729-5000
Toll-Free:
(800) 473-2331(800) 473-2331
Fax:
(858) 551-5907(858) 551-5907
Branch Address
16644 West Bernardo Dr
Suite 400
San Diego, CA 92127
US
Branch:
(858) 674-3900(858) 674-3900
Toll-Free:
(800) 675-9540(800) 675-9540
Fax:
(858) 674-4844(858) 674-4844
Branch Address
101 W Broadway
Ste 1800
San Diego, CA 92101
US
Branch:
(619) 236-1331(619) 236-1331
Toll-Free:
(800) 729-2900(800) 729-2900
Fax:
(619) 235-9313(619) 235-9313
Branch Address
6041 La Flecha
Rancho Santa Fe, CA 92067
US
Branch:
(858) 756-3765(858) 756-3765
Toll-Free:
(800) 755-3765(800) 755-3765
Fax:
(858) 756-0294(858) 756-0294
San Diego Branch
Find a Financial AdvisorBranch Address
101 W Broadway
Ste 1800
San Diego, CA 92101
US
Branch:
(619) 236-1331(619) 236-1331
Toll-Free:
(800) 473-1331(800) 473-1331
Fax:
(619) 235-9313(619) 235-9313
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.
2Tax laws are complex and are subject to change. 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. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6The returns on a portfolio consisting primarily of sustainable investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability 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. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
9Tax laws are complex and are subject to change. 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. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 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
Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).
The investments and products listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments or products, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. The appropriateness of a particular investment or product will depend upon an investor's individual circumstances and objectives.
Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Tax laws are complex and are subject to change. 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. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6The returns on a portfolio consisting primarily of sustainable investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability 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. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
9Tax laws are complex and are subject to change. 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. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 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
Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).
The investments and products listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments or products, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. The appropriateness of a particular investment or product will depend upon an investor's individual circumstances and objectives.
Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
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