Christopher Aitken
Managing Director, Private Wealth Advisor
Phone:
(904) 543-7826(904) 543-7826
Morgan Stanley Private Wealth Management
Sanctuary Pointe Group
Direct:
(904) 543-7826(904) 543-7826
Our Mission Statement
For over 45 years, Morgan Stanley Private Wealth Management has served the needs of ultra high net worth individuals, their families and foundations. Providing advice founded on a culture of excellence and driven by global insight, we are devoted to helping our clients preserve and grow their financial, family and social capital.
WELCOME
At Sanctuary Pointe Group, we understand that significant wealth requires tailored, custom solutions. We work with a select number of highly successful business executives and business owners, institutions, multigenerational families and family offices—helping them organize and simplify their financial lives, no matter how complex.
Our multigenerational team has a combined experience of 250 years, equipping us with the knowledge to guide you in achieving your financial and personal goals. We treat each and every client like family and work hard to build collaborative relationships that are grounded in trust. Because we understand first-hand the complexities and challenges that come with family wealth, we help you make rational, smart decisions because life can be unpredictable and we are here to guide you along the way. And, by taking excellent care of your financial assets, we help to free you and your family up to live your lives, manage your businesses and pursue your passions.
Our multigenerational team has a combined experience of 250 years, equipping us with the knowledge to guide you in achieving your financial and personal goals. We treat each and every client like family and work hard to build collaborative relationships that are grounded in trust. Because we understand first-hand the complexities and challenges that come with family wealth, we help you make rational, smart decisions because life can be unpredictable and we are here to guide you along the way. And, by taking excellent care of your financial assets, we help to free you and your family up to live your lives, manage your businesses and pursue your passions.
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 300 teams specialized in assisting individuals and families with $20MM+ in investable assets
- Over $1.2 trillion in AUM
- Comprising 26% of the Barron’s Top 100 Financial Advisors list for 2025
- 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, September 2025
Source: Barron's (Awarded March 2025) This ranking was determined based on an evaluation process conducted by Barron's for the period Oct 2023-Sept 2024. 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 an 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 assessment of Barron's and 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.
PURSUING YOUR GOALS, TOGETHER
Managing family wealth is like running a company - you need a strategy to help manage assets and mitigate risks. Bridging the gap between private wealth and investment management services, we work with owners and founders striving to accelerate growth and develop robust succession plans. We help manage the entire process by leveraging some of the top research and investment management resources in the industry.
Estate Planning and Business Succession
The key to determining which trust, tax, and estate strategies to execute is to understand the interplay of personal and exogenous factors. Liquidity events such as an initial public offering or a merger or acquisition may provide income and estate planning opportunities.
Philanthropic Advisory
We believe that philanthropy must be more than checkbook writing. That is why we encourage philanthropic conversations with our team and your family to discuss values, motivations, visions, and to develop a mission statement is an effective step to achieving long term philanthropic engagement.
Senior Executives
We help those who have complex incentive compensation packages and concentrated equity positions in public companies. While most are highly sophisticated in financial matters, their personal, business and civic commitments often leave them little time to focus on their personal finances.
Pre-Liquidity Planning
Facing a significant liquidity event, the uncertainty and stress of divorce or the loss of a loved one, you need a knowledgeable and experienced ally on your side to help evaluate options and make important financial decisions to help you achieve the results you deserve.
Family Office
We can offer an extensive range of capabilities to extend and enhance the services they deliver to their owners, and the consultative expertise to improve their operations. We are often called upon to work with the younger generation of the SFO owners, as they begin to assume a larger role in decision-making.
Equity Compensation 101
When you own company equity, you become a shareholder in your company. Equity programs vary widely, so it is important to understand the details and how it fits into your financial plan.
VALUABLE TOOLS AND RESEARCH
It has never been more important to have a financial plan in place to get you to where you want to be. To help stay up to date on the broader economy as well as with personal finance best practices, we have provided some resources below to help you to get started.
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Morgan Stanley's top analysts and strategists as they discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
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.
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Wealth and Estate Planning Video Series
Explore a series of educational videos covering topics such as Foundational Estate Planning Documents, Estate & Gift Taxes, Grantor Retained Annuity Trusts (GRATs), Irrevocable Life Insurance Trusts and more.
Location
50 A1a North
Ste 112
Ponte Vedra Beach, FL 32082
US
Direct:
(904) 543-7826(904) 543-7826
Meet Sanctuary Pointe Group
Ken Tonning
Senior Vice President, Private Wealth Advisor
Phone:
(904) 543-7829(904) 543-7829
Scott Mayer, CFA®
Private Wealth Advisor
Phone:
(904) 543-7827(904) 543-7827
Viktoriya Rudometkin
Chief of Staff
Phone:
(904) 543-7838(904) 543-7838
David Ly, CFP®
Financial Planning Analyst
Phone:
(904) 543-7835(904) 543-7835
Morgan Calton
Private Wealth Analyst
Phone:
(904) 543-6933(904) 543-6933
About Me
For more than three decades, Chris Aitken has advised ultra-high net worth individuals, families, family offices, and nonprofit institutions on the complexities that accompany significant wealth. As leader of the Sanctuary Point Group at Morgan Stanley Private Wealth Management, Chris works closely with clients and their families to bring clarity and perspective to important financial decisions and help them preserve, manage, and transition wealth across generations.
Chris takes a highly personalized approach to each relationship, recognizing that substantial wealth often brings considerations extending well beyond investment management. His experience encompasses strategic asset allocation, financial and cash flow planning, wealth preservation, tax-aware strategies, risk management, and philanthropy. He works closely with clients and their other professional advisors to help coordinate the many facets of their financial lives and develop strategies aligned with their long-term objectives, values, and legacy.
Throughout his career, Chris has emphasized disciplined decision-making and helping clients maintain perspective through changing markets and significant life events. His goal is to serve as a trusted resource to families—providing thoughtful guidance, accessibility, and continuity as their needs evolve over time and across generations.
Chris earned a B.S. in Accounting from the University of Maryland and began his career with Price Waterhouse Coopers, where his work included auditing and monitoring significant pools of nonprofit institutional assets.
Chris and his wife, Letitia, live in Jacksonville Beach, Florida, and have five children. Outside the office, he enjoys spending time with his family, collecting cars, playing golf, and skiing.
Chris takes a highly personalized approach to each relationship, recognizing that substantial wealth often brings considerations extending well beyond investment management. His experience encompasses strategic asset allocation, financial and cash flow planning, wealth preservation, tax-aware strategies, risk management, and philanthropy. He works closely with clients and their other professional advisors to help coordinate the many facets of their financial lives and develop strategies aligned with their long-term objectives, values, and legacy.
Throughout his career, Chris has emphasized disciplined decision-making and helping clients maintain perspective through changing markets and significant life events. His goal is to serve as a trusted resource to families—providing thoughtful guidance, accessibility, and continuity as their needs evolve over time and across generations.
Chris earned a B.S. in Accounting from the University of Maryland and began his career with Price Waterhouse Coopers, where his work included auditing and monitoring significant pools of nonprofit institutional assets.
Chris and his wife, Letitia, live in Jacksonville Beach, Florida, and have five children. Outside the office, he enjoys spending time with his family, collecting cars, playing golf, and skiing.
Securities Agent: OH, CO, GA, SC, OR, NY, NJ, NC, KY, AL, VT, TX, PA, MT, NM, CA, VA, ID, CT, WA, MO, ME, MD, WY, NV, MI, AZ, IL, TN, DE, MA, LA, IN, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 521035
NMLS#: 521035
About Me
Ken Tonning is a Private Wealth Advisor with the Sanctuary Point Group at Morgan Stanley Private Wealth Management, where he advises ultra-high net worth individuals and families on the complex financial decisions that accompany substantial and multigenerational wealth.
With a background spanning finance and law, Ken brings a planning-focused perspective to helping clients thoughtfully structure, preserve, and transition their wealth. A particular area of his practice is helping families identify and implement wealth transfer strategies designed to address tax considerations while providing greater control over how financial assets ultimately pass to future generations and charitable organizations.
Ken’s experience also encompasses investment strategy, risk management, executive compensation, charitable giving, estate planning strategies, and long-term financial planning. He works closely with clients and their outside legal, tax, and other professional advisors to help coordinate strategies across the different areas of their financial lives. His approach centers on understanding what matters most to each family and translating complex planning considerations into clear, actionable strategies.
Ken began his financial services career in New York City before returning to his home state of Florida. He earned his B.A. from Sewanee: The University of the South and his J.D. from Cumberland School of Law at Samford University.
Ken lives in Ponte Vedra Beach with his wife, Kimberly, and their two children. Outside the office, he enjoys spending time with his family, skiing, biking, playing golf, and traveling.
With a background spanning finance and law, Ken brings a planning-focused perspective to helping clients thoughtfully structure, preserve, and transition their wealth. A particular area of his practice is helping families identify and implement wealth transfer strategies designed to address tax considerations while providing greater control over how financial assets ultimately pass to future generations and charitable organizations.
Ken’s experience also encompasses investment strategy, risk management, executive compensation, charitable giving, estate planning strategies, and long-term financial planning. He works closely with clients and their outside legal, tax, and other professional advisors to help coordinate strategies across the different areas of their financial lives. His approach centers on understanding what matters most to each family and translating complex planning considerations into clear, actionable strategies.
Ken began his financial services career in New York City before returning to his home state of Florida. He earned his B.A. from Sewanee: The University of the South and his J.D. from Cumberland School of Law at Samford University.
Ken lives in Ponte Vedra Beach with his wife, Kimberly, and their two children. Outside the office, he enjoys spending time with his family, skiing, biking, playing golf, and traveling.
Securities Agent: OH, IL, NV, TX, TN, MT, AL, NY, NC, CT, CA, NM, DE, WA, SC, MI, CO, PA, NJ, ME, MD, LA, AZ, ID, FL, WY, VA, IN, GA, VT, OR, MO, MA, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 521052
NMLS#: 521052
About Scott Mayer
Scott Mayer is a Private Wealth Advisor with Morgan Stanley, serving as part of a Sanctuary Pointe Group who advises approximately $1.75 billion in assets for 65 ultra-high-net-worth families, executives, entrepreneurs, and institutions. He focuses on portfolio construction, investment analysis, asset allocation, and ongoing portfolio monitoring, helping clients align their investment strategies with their long-term objectives, risk tolerance, liquidity needs, and broader financial goals.
Scott began his financial services career in 2013 with the Merrill Edge Advisory Center as a Financial Solutions Advisor, providing investment guidance to clients nationwide. In 2017, he transitioned into a role focused on managing and servicing approximately $200 million in client assets, working closely with individuals and families to support their long-term financial planning needs. He joined UBS in 2018 and moved with his team to Morgan Stanley in 2025.
Scott graduated from Florida State University with bachelor’s degrees in Accounting and Finance and a minor in Economics. While working full-time at Merrill Edge, he earned the Chartered Financial Analyst® designation and remains an active member of the Jacksonville CFA Society.
Outside the office, Scott enjoys golf, skiing, and following Florida State Seminoles athletics. He lives in Neptune Beach, Florida, with his wife and daughter.
Scott began his financial services career in 2013 with the Merrill Edge Advisory Center as a Financial Solutions Advisor, providing investment guidance to clients nationwide. In 2017, he transitioned into a role focused on managing and servicing approximately $200 million in client assets, working closely with individuals and families to support their long-term financial planning needs. He joined UBS in 2018 and moved with his team to Morgan Stanley in 2025.
Scott graduated from Florida State University with bachelor’s degrees in Accounting and Finance and a minor in Economics. While working full-time at Merrill Edge, he earned the Chartered Financial Analyst® designation and remains an active member of the Jacksonville CFA Society.
Outside the office, Scott enjoys golf, skiing, and following Florida State Seminoles athletics. He lives in Neptune Beach, Florida, with his wife and daughter.
Securities Agent: LA, DE, SC, CA, VA, NM, KY, IN, VT, AZ, AL, OH, NV, NJ, NC, MA, TN, NY, GA, WY, WA, MT, ME, IL, ID, FL, OR, TX, MI, MD, CT, CO, PA, MO; General Securities Representative; Investment Advisor Representative
About Viktoriya Rudometkin
Viktoriya Rudometkin is the Chief of Staff for the Sanctuary Pointe Group at Morgan Stanley. With more than 20 years of experience in financial services, she leads the team's operational strategy, client experience, practice management, and business execution, helping ensure exceptional service for individuals, families, and business owners.
She oversees the team's day-to-day business operations, client service experience, portfolio administration, governance, and operational controls. Working closely with the team's Private Wealth Advisors, analysts, and specialists, Viktoriya coordinates complex client needs, facilitates account servicing and trade execution, and helps ensure every client interaction is handled with accuracy, efficiency, and care.
In addition to leading operational excellence, Viktoriya supports the team's business development efforts, strategic growth initiatives, marketing, and implementation of customized wealth management strategies. Her collaborative leadership style, attention to detail, and commitment to delivering an exceptional client experience help strengthen long-term relationships and support the continued success of the practice.
Viktoriya holds FINRA Series 7 and Series 66 licenses. She studied at Bohdan Khmelnytsky National University in Ukraine earning degrees in English and Literature, and Business Administration from Thomas Nelson College in Virginia. She is fluent in English, Ukrainian, and Russian.
As the spouse of a retired U.S. Coast Guard officer and the mother of two, Viktoriya understands the importance of thoughtful planning, financial security, and lasting relationships. Outside of work, she enjoys spending time with her family, supporting her children's competitive swimming, playing pickleball, visiting Florida's beaches, and exploring the state's natural springs.
She oversees the team's day-to-day business operations, client service experience, portfolio administration, governance, and operational controls. Working closely with the team's Private Wealth Advisors, analysts, and specialists, Viktoriya coordinates complex client needs, facilitates account servicing and trade execution, and helps ensure every client interaction is handled with accuracy, efficiency, and care.
In addition to leading operational excellence, Viktoriya supports the team's business development efforts, strategic growth initiatives, marketing, and implementation of customized wealth management strategies. Her collaborative leadership style, attention to detail, and commitment to delivering an exceptional client experience help strengthen long-term relationships and support the continued success of the practice.
Viktoriya holds FINRA Series 7 and Series 66 licenses. She studied at Bohdan Khmelnytsky National University in Ukraine earning degrees in English and Literature, and Business Administration from Thomas Nelson College in Virginia. She is fluent in English, Ukrainian, and Russian.
As the spouse of a retired U.S. Coast Guard officer and the mother of two, Viktoriya understands the importance of thoughtful planning, financial security, and lasting relationships. Outside of work, she enjoys spending time with her family, supporting her children's competitive swimming, playing pickleball, visiting Florida's beaches, and exploring the state's natural springs.
About David Ly
David Ly is a Client Relationship Manager and Investment Analyst with the Sanctuary Point Group at Morgan Stanley Private Wealth Management, where he works closely with individuals and families to help navigate the complexities of managing significant wealth. With nearly two decades of financial services experience, David combines analytical expertise with a highly personalized approach to helping clients organize, understand, and achieve their financial goals.
David plays an integral role in the team’s wealth management process, with responsibilities spanning portfolio analysis, investment implementation, financial planning, performance reporting, and the coordination of clients’ ongoing financial needs. He works closely with the team’s advisors to evaluate investment strategies, analyze portfolios, and translate complex financial information into clear, actionable insights for clients.
David also has a strong interest in technology, innovation, and process improvement. He helps identify and implement tools and solutions designed to enhance the client experience, improve reporting and analysis, and increase the efficiency of the team’s operations. His focus is on combining thoughtful financial analysis with technology to help deliver an increasingly sophisticated and seamless wealth management experience.
David began his financial services career with Merrill Lynch in 2006, where he held several roles focused on retirement plans, investment solutions, financial education, and financial planning. He joined the Sanctuary Point Group in 2013 and has since developed extensive experience working with clients across investment management, financial planning, and relationship management.
David earned his MBA from the University of North Florida and holds the CERTIFIED FINANCIAL PLANNER® certification. He also maintains FINRA Series 7 and Series 66 registrations.
Outside the office, David enjoys spending time and traveling with his wife, Rhonda, and their daughter, Lillian. A longtime Jacksonville Jaguars fan, he also enjoys golf, sports, technology, and spending time outdoors.
David plays an integral role in the team’s wealth management process, with responsibilities spanning portfolio analysis, investment implementation, financial planning, performance reporting, and the coordination of clients’ ongoing financial needs. He works closely with the team’s advisors to evaluate investment strategies, analyze portfolios, and translate complex financial information into clear, actionable insights for clients.
David also has a strong interest in technology, innovation, and process improvement. He helps identify and implement tools and solutions designed to enhance the client experience, improve reporting and analysis, and increase the efficiency of the team’s operations. His focus is on combining thoughtful financial analysis with technology to help deliver an increasingly sophisticated and seamless wealth management experience.
David began his financial services career with Merrill Lynch in 2006, where he held several roles focused on retirement plans, investment solutions, financial education, and financial planning. He joined the Sanctuary Point Group in 2013 and has since developed extensive experience working with clients across investment management, financial planning, and relationship management.
David earned his MBA from the University of North Florida and holds the CERTIFIED FINANCIAL PLANNER® certification. He also maintains FINRA Series 7 and Series 66 registrations.
Outside the office, David enjoys spending time and traveling with his wife, Rhonda, and their daughter, Lillian. A longtime Jacksonville Jaguars fan, he also enjoys golf, sports, technology, and spending time outdoors.
About Morgan Calton
Morgan Joined the Sanctuary Pointe Group in 2025 as Private Wealth Analyst, experience in multi-generational planning, behavioral finance, thematic equity research. She conducts equity research and portfolio analysis across the team's ultra-high net worth client base.
Prior to Sanctuary Pointe, Morgan was on a growing wealth management team in Denver where she led planning efforts, thematic investment research, and estate and tax strategy at Carnes Wealth Management, where her work directly shaped the firm's investment strategies. Her background in psychology and entrepreneurship gives her a unique approach to understanding family dynamics and the behavioral aspects of wealth. She brings an entrepreneurial mindset from building and advising early-stage ventures, adding strategic depth to complex family wealth situations.
Originally from Colorado's Vail Valley, where she attended The University of Colorado, Morgan recently relocated to Jacksonville Beach. She lives with her four-year-old Shiba Inu, Lewis. Morgan holds Series 7 and 66 licenses.
Prior to Sanctuary Pointe, Morgan was on a growing wealth management team in Denver where she led planning efforts, thematic investment research, and estate and tax strategy at Carnes Wealth Management, where her work directly shaped the firm's investment strategies. Her background in psychology and entrepreneurship gives her a unique approach to understanding family dynamics and the behavioral aspects of wealth. She brings an entrepreneurial mindset from building and advising early-stage ventures, adding strategic depth to complex family wealth situations.
Originally from Colorado's Vail Valley, where she attended The University of Colorado, Morgan recently relocated to Jacksonville Beach. She lives with her four-year-old Shiba Inu, Lewis. Morgan holds Series 7 and 66 licenses.
Contact Christopher Aitken
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Managing Significant Wealth
- Investment Management
- Wealth Transfer & Philanthropy
- Cash Management & Lending
- Family Governance & Wealth Education
- Lifestyle Advisory
- Business Services
PWM Leadership Insights & Outcomes
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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.
Private Wealth Management Podcast
Bringing you engaging stories and key insights surrounding the complexities associated with significant wealth, including:
- Intergenerational Planning
- Philanthropic Giving
- Non-Traditional Assets
- Managing Family Wealth
We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
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.
1Asset Allocation does not assure a profit or protect against loss in declining financial markets.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
3Morgan Stanley Smith Barney LLC and its affiliates and their employees (including Financial Advisors and Private Wealth Advisors) are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.
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.
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.
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.
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
1Asset Allocation does not assure a profit or protect against loss in declining financial markets.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
3Morgan Stanley Smith Barney LLC and its affiliates and their employees (including Financial Advisors and Private Wealth Advisors) are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.
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.
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.
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.
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 4677197 (7/2025)
