Jason Whitney, CFP®
Associate Vice President, Financial Advisor
Phone:
(415) 955-1529(415) 955-1529
San Francisco Elements Group at Morgan Stanley
Direct:
(415) 955-1527(415) 955-1527
Toll-Free:
(800) 227-5152(800) 227-5152
Industry Award WinnerOur Mission Statement
Every stage of life presents each of us with a financial puzzle which requires discipline, creativity, and knowledge. Let us help prepare you, encourage you and empower you to meet each goal you set along the way.
Our Story
Discover our comprehensive Wealth Management Practice, specializing in retirement and estate planning, generational wealth transfer, education planning, and expert financial guidance. Seamlessly transition into retirement with customized strategies, safeguard your legacy through meticulous estate planning, and master the art of generational wealth transfer. Secure the future by tailoring education plans that empower the next generation. Trust our seasoned advisors to provide insightful, personalized financial advice, guiding you toward a successful financial journey. Embark on a transformative path with us, sculpting your dreams into reality.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
GENERATIONAL FAMILY WEALTH TRANSFER
Transferring wealth across generations involves more than financial assets. It requires planning, communication, and shared understanding. A thoughtful approach helps families navigate transitions, clarify intentions, and support continuity across generations.
Whether you are focused on preserving wealth or preparing future decision-makers, these conversations help create alignment, structure, and clarity as family wealth evolves over time.
- Explore structures and planning strategies that reflect your priorities, values, and long-term intentions for family wealth.
- Support education and involvement opportunities that help heirs build financial awareness and decision-making skills over time.
- Facilitate conversations around values, expectations, and governance to help reduce uncertainty and encourage alignment.
- Review and adapt strategies as family dynamics, goals, and external factors change.
- Gain clarity around responsibilities, decision-making frameworks, and long-term expectations.
- Access education and guidance designed to build confidence in financial concepts and planning considerations.
- Participate in collaborative conversations that encourage transparency and shared understanding.
- Explore ways family resources may be coordinated with personal objectives, career paths, and long-term plans.
Defining Intentions
"Have I clarified how I want my wealth used today and in the future?"
Preparing Heirs
"Are future generations prepared for the responsibilities that may come with wealth?"
Family Communication
"Have expectations and roles been clearly discussed within the family?"
Planning for Change
"Is my plan flexible enough to evolve with my family and circumstances?"
Understanding the Role
"Do I understand my potential role in the family's financial future?"
Building Financial Knowledge
"Am I developing the skills needed to manage or steward wealth?"
Asking the Right Questions
"Do I have a space to learn, ask questions, and engage in planning discussions?"
Aligning with Personal Goals
"How can family wealth support my own goals and values?"
ENTREPRENEURS & FOUNDERS
Building and scaling a business often brings unique financial opportunities alongside added complexity. We work with entrepreneurs and founders to help align personal wealth with the evolving needs of their business and long-term goals.
Business Ownership & Personal Wealth Alignment
Bringing structure to how business value and personal finances interact, helping ensure both evolve together over time.
Liquidity Planning & Exit Strategy
Preparing for potential liquidity events, including partial sales or full exits, with thoughtful planning around timing, proceeds, and next steps.
Cash Flow & Reinvestment Decisions
Managing fluctuating income and determining how capital can be allocated between the business, investments, and personal priorities.
Equity & Ownership Structure
Evaluating ownership stakes, dilution, and equity decisions as businesses grow, raise capital, or bring on new partners.
Tax Planning for Business Owners
Coordinating strategies around business income, distributions, and entity structure to help navigate an evolving tax landscape.
Legacy & Succession Planning
Considering long-term plans for the business and personal wealth, including transition strategies, family involvement, and wealth transfer goals.
ONLINE TOOLS AND FEATURES AVAILABLE TO YOU
Morgan Stanley strives to ensure it serves clients on its technology platforms that are resilient, safe, efficient, and smart. As a part of our services, these resources are readily available to all of our clients. Learn more about each tool and feature to see how it can easily help you manage and secure your financial journey.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Learn More About MSO
Total Wealth View
It’s hard to see the complete picture with only half the details. As a Morgan Stanley client, you can now 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.
Learn More About Total Wealth View
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Learn More About eDelivery
Morgan Stanley Mobile App
Securely access your Morgan Stanley account from virtually anywhere. Simply download it on your mobile device and use your Morgan Stanley Online username and password to log in. From there you will have the resources of MSO on the go.
Discover More With Our Mobile App
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Learn More About Digital Vault
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts. Our Spending and Budgeting Tool makes it easy for you and your Financial Advisor to see your complete financial picture.
Learn More About Our Online Tools
Portfolio Risk Platform
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Learn More About Managing RiskOur Services to You
The commitment of the San Francisco Elements Group lies in offering guidance to assist you in reaching your financial objectives.
Our aim is to comprehensively grasp your financial situation, enabling us to tailor a proactive wealth strategy that harmonizes your financial matters and investments. Our goal is not just to earn your trust through the high-caliber solutions we offer, but also through the exceptional manner in which we deliver them.
Wealth Management
At Morgan Stanley Wealth Management, exclusive access to vast resources, combined with our unique capabilities, gives us the means to support your goals at every life stage. We provide a range of solutions to meet you where you are—no matter your starting point or preferred investing approach. We understand that as family or institutional wealth increases, the implementation of investment strategies becomes increasingly complex and portfolios require close monitoring to remain within intended parameters.
Portfolio Management
We study investment trends and leverage the global resources of the firm to help you develop a personalized investment strategy. We'll develop a customized portfolio to meet your requirements for growth, income and wealth conservation within your risk constraints. Our experience, training and investment philosophy offer guidance—both in ongoing portfolio management decisions and understanding investment risk while keeping your long-term goals in view.
Retirement Planning
We are here to help you create a well-rounded planning approach for retirement and create your estate planning strategy designed to preserve, manage, and distribute your assets during and after your lifetime, while helping to minimize taxation. We are here to help manage your employer's retirement plan (e.g., 401(k) plan), identify your personal goals, track your progress toward achieving them and work together to create a customized plan.
Cash Management & Lending
As a client, you will have access to a suite of cash management solutions as a competitive alternative to a traditional bank. Through your Morgan Stanley Active Assets Account or CashPlus Brokerage Account, you can access a full suite of Cash Management Solutions to help you manage your everyday finances. Additionally, we're able to provide qualified clients with financing solutions for almost any personal or business need using the eligible securities in your brokerage account as collateral for a flexible line of credit.
Location
555 California St 35th
35th Floor
San Francisco, CA 94104
US
Direct:
(415) 955-1527(415) 955-1527
Toll-Free:
(800) 227-5152(800) 227-5152
Meet San Francisco Elements Group
Fernando Quezada, CFP®
Financial Advisor
Phone:
(415) 955-1518(415) 955-1518
Adriana Hihi
Registered Client Service Associate
Phone:
(415) 955-1598(415) 955-1598
Brenden Gedeon, CFA
Wealth Management Analyst
Phone:
(415) 984-6631(415) 984-6631
About Jason Whitney
As part of a family practice with decades of history, Jason Whitney brings a modern perspective to a legacy of trusted financial guidance. Having grown up watching his parents, Lori and David Whitney, build deep, multigenerational relationships with clients, Jason learned early that wealth management is ultimately about people—their aspirations, families, and legacies—not just their portfolios.
Now continuing and expanding that tradition, Jason steps into a leadership role on the team, helping the practice with a comprehensive, 360-degree family wealth model that integrates investment management, banking, and lending solutions. He believes true wealth is measured by confidence and the freedom to focus on what matters most, and he is committed to guiding clients through life’s milestones with empathy, clarity, and a steady hand, just as his parents did for decades.
Jason is a Certified Financial Planner™ professional and has been recognized as a two-time member of Morgan Stanley’s Pacesetter’s Club, which honors advisors for significant growth and dedication to clients early in their careers. He has also completed Morgan Stanley's rigorous Portfolio Management Certification program, enabling him to provide discretionary investment management tailored to each client.
Whether helping families plan for the next generation or navigating complex investment decisions, Jason’s goal remains the same: to be a trusted partner throughout each client’s journey.
Outside the office, you’ll find him working out at the Embarcadero YMCA where he's an advisory board member or standing directly in front of the sound booth at a concert with his wife Lizzie. Jason is always grateful for the opportunity to help and to grow alongside the people he's proud to call clients and friends.
NMLS #: 2421653
Now continuing and expanding that tradition, Jason steps into a leadership role on the team, helping the practice with a comprehensive, 360-degree family wealth model that integrates investment management, banking, and lending solutions. He believes true wealth is measured by confidence and the freedom to focus on what matters most, and he is committed to guiding clients through life’s milestones with empathy, clarity, and a steady hand, just as his parents did for decades.
Jason is a Certified Financial Planner™ professional and has been recognized as a two-time member of Morgan Stanley’s Pacesetter’s Club, which honors advisors for significant growth and dedication to clients early in their careers. He has also completed Morgan Stanley's rigorous Portfolio Management Certification program, enabling him to provide discretionary investment management tailored to each client.
Whether helping families plan for the next generation or navigating complex investment decisions, Jason’s goal remains the same: to be a trusted partner throughout each client’s journey.
Outside the office, you’ll find him working out at the Embarcadero YMCA where he's an advisory board member or standing directly in front of the sound booth at a concert with his wife Lizzie. Jason is always grateful for the opportunity to help and to grow alongside the people he's proud to call clients and friends.
NMLS #: 2421653
Securities Agent: PA, NM, IN, SD, MI, FL, AZ, VT, NC, WA, OR, NJ, MN, IL, VA, NE, HI, GA, DC, CA, NY, MA, DE, OH, NV, WI, TN, CO, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 2421653
CA Insurance License #: 4203877
NMLS#: 2421653
CA Insurance License #: 4203877
About Fernando Quezada
Fernando’s path to financial advising was shaped by a deeply personal conviction: that every family deserves a thoughtful, deliberate plan for the future. Driven by a desire to help individuals and families navigate life’s most consequential financial decisions, he focuses on coordinating bespoke portfolio management and estate planning solutions that span multiple generations. For Fernando, financial planning is not transactional. It is a long-term relationship grounded in trust, continuity, and a genuine commitment to each client’s legacy.
As a CERTIFIED FINANCIAL PLANNER® professional, Fernando brings both the technical depth and principled approach to deliver truly integrated advice. He believes clients should be able to focus on their families, careers, and lives without the burden of navigating complex financial and tax considerations alone. By approaching planning through a coordinated and tax-conscious lens, Fernando helps simplify complexity and create strategies designed to preserve and maximize long-term wealth.
Above all, Fernando values enduring relationships . He views his role not simply as an advisor, but as a dedicated partner who is present through every stage of a client’s life. From major life milestones to changing market environments and evolving priorities, Fernando is committed to providing thoughtful guidance, proactive communication, and a consistent presence clients can rely on for years to come.
Fernando is a Bay Area native and current San Francisco resident who is bilingual in English and Spanish. When he's not in the office, you can find him exploring the city’s restaurant scene and catching live events.
As a CERTIFIED FINANCIAL PLANNER® professional, Fernando brings both the technical depth and principled approach to deliver truly integrated advice. He believes clients should be able to focus on their families, careers, and lives without the burden of navigating complex financial and tax considerations alone. By approaching planning through a coordinated and tax-conscious lens, Fernando helps simplify complexity and create strategies designed to preserve and maximize long-term wealth.
Above all, Fernando values enduring relationships . He views his role not simply as an advisor, but as a dedicated partner who is present through every stage of a client’s life. From major life milestones to changing market environments and evolving priorities, Fernando is committed to providing thoughtful guidance, proactive communication, and a consistent presence clients can rely on for years to come.
Fernando is a Bay Area native and current San Francisco resident who is bilingual in English and Spanish. When he's not in the office, you can find him exploring the city’s restaurant scene and catching live events.
Securities Agent: KS, CA, OR, NY, NM, NE, IA, OK, NV, FL, PA, MT, MN, NC, IL, GA, DC, AZ, AR, AK, VT, VA, OH, MD, DE, AL, WI, WA, VI, TX, NJ, MS, MI, ME, ID, CT, CO, RI, HI, WY, UT, TN, SD, NH, MO, LA, IN, WV, SC, PR, ND, MA, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 2711088
CA Insurance License #: 4461626
NMLS#: 2711088
CA Insurance License #: 4461626
About Adriana Hihi
Adriana joined Morgan Stanley in 2022 and serves as a Registered Client Service Associate. In her role, she oversees a wide range of client operations, including account opening, money movement, online platform guidance, and day-to-day account maintenance. Adriana is dedicated to creating a seamless client experience and takes pride in providing thoughtful, responsive support.
Prior to joining Morgan Stanley, Adriana worked in accounting in Napa, where she developed a strong foundation in organization, problem-solving, and client service. She holds her Series 7 and Series 66 licenses and brings both technical knowledge and attention to detail to her work with clients and advisors alike.
Known for her patience and commitment, Adriana works closely with clients to help ensure requests are handled efficiently and thoroughly. She values building trusted relationships and strives to make every interaction approachable, personalized, and supportive.
A Bay Area native, Adriana earned her Bachelor of Science in Managerial Economics from University of California, Davis. Outside of the office, she has an interest in winemaking and enjoys spending time at Oracle Park cheering on the San Francisco Giants.
Prior to joining Morgan Stanley, Adriana worked in accounting in Napa, where she developed a strong foundation in organization, problem-solving, and client service. She holds her Series 7 and Series 66 licenses and brings both technical knowledge and attention to detail to her work with clients and advisors alike.
Known for her patience and commitment, Adriana works closely with clients to help ensure requests are handled efficiently and thoroughly. She values building trusted relationships and strives to make every interaction approachable, personalized, and supportive.
A Bay Area native, Adriana earned her Bachelor of Science in Managerial Economics from University of California, Davis. Outside of the office, she has an interest in winemaking and enjoys spending time at Oracle Park cheering on the San Francisco Giants.
About Brenden Gedeon
Brenden is a Wealth Management Analyst for the SF Elements Group at Morgan Stanley. In this role, he supports the team’s day-to-day investment and client service efforts, helping to ensure a consistent high-quality experience for clients and their families.
Brenden assists with the team’s investment process across portfolio design and implementation, ongoing monitoring, and rebalancing. He prepares portfolio review materials and analytics, supports investment manager research and due diligence, and helps translate investment decisions into clear, client-ready communications. Through these responsibilities, he strives to reflect the same care and attention to detail that the team was founded upon decades ago.
Prior to joining the team in San Francisco, Brenden supported a 10-person Morgan Stanley team based in Salt Lake City, UT. During his time in that role, he developed a strong foundation in relationship support, operational execution, and proactive problem-solving - skills he continues to apply in partnership with advisors and clients today.
Brenden earned a bachelor’s degree in Economics from California State University, East Bay, and holds the Series 7 and 66 licenses. In 2025, he earned the Chartered Financial Analyst (CFA) designation, demonstrating a deep commitment to technical knowledge and professional excellence within the investment management industry.
Brenden currently resides in Redwood City with his wife Thalia. While he’s not at work, you’re likely to find him on the hiking trails, or at a local sporting event or comedy show.
Brenden assists with the team’s investment process across portfolio design and implementation, ongoing monitoring, and rebalancing. He prepares portfolio review materials and analytics, supports investment manager research and due diligence, and helps translate investment decisions into clear, client-ready communications. Through these responsibilities, he strives to reflect the same care and attention to detail that the team was founded upon decades ago.
Prior to joining the team in San Francisco, Brenden supported a 10-person Morgan Stanley team based in Salt Lake City, UT. During his time in that role, he developed a strong foundation in relationship support, operational execution, and proactive problem-solving - skills he continues to apply in partnership with advisors and clients today.
Brenden earned a bachelor’s degree in Economics from California State University, East Bay, and holds the Series 7 and 66 licenses. In 2025, he earned the Chartered Financial Analyst (CFA) designation, demonstrating a deep commitment to technical knowledge and professional excellence within the investment management industry.
Brenden currently resides in Redwood City with his wife Thalia. While he’s not at work, you’re likely to find him on the hiking trails, or at a local sporting event or comedy show.
Contact Jason Whitney
Contact Fernando Quezada
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2024-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact San Francisco Elements Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan 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
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan 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
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
