Andrew Wen
Registered Client Service Associate
Phone:
(206) 224-4162(206) 224-4162
Sara Asatiani, CDFA®, CRPS®
Senior Vice President, Wealth Management,
Financial Advisor,
Financial Planning Specialist,
Investing with Impact Director,
Corporate Retirement Director,
Insurance Planning Director
Direct:
(206) 464-4144(206) 464-4144
Toll-Free:
(800) 426-7837(800) 426-7837
My Mission Statement
LIVE. LEARN. LOVE.
WELCOME
The Wealth Management process isn’t just about planning to get rich – it’s about being true to one’s self, getting focused, and getting what you really want. Our passion is to INSPIRE women, men and couples – young & old to:
~ LIVE in their true power
~ LEARN about their money
~ LOVE themselves fully
Sara is an agent for change, a champion for women and strives to provide money clarity for ALL. She focuses on creating all-inclusive "Life by Design" financial plans and thrives on helping WOMEN get engaged about their money and she believes financial literacy is a must. She is passionately dedicated to building confidence in her female clients to help ensure financial independence.
When it comes to your Wealth Management process...
* Feel overwhelmed with all the financial lingo and uncertainty out there?
* Lack confidence needed to make good long-term smart money decisions?
* Need a financial advocate to help ensure what's most important to YOU on the agenda?
We invite you to connect with us and get INSPIRED about your financial future.
* Create your "Life by Design" plan
* Learn about incorporating "Balanced Investment Strategies"
* Join us for one of our many "Educational & Motivational Events"
2025 Forbes Top Women Wealth Advisors Best-In-State
[Source: Forbes (Awarded Feb 2025). Data compiled by SHOOK Research LLC based for the period 9/30/23–9/30/24. https://www.forbes.com/lists/best-in-state-women-advisors/]
~ LIVE in their true power
~ LEARN about their money
~ LOVE themselves fully
Sara is an agent for change, a champion for women and strives to provide money clarity for ALL. She focuses on creating all-inclusive "Life by Design" financial plans and thrives on helping WOMEN get engaged about their money and she believes financial literacy is a must. She is passionately dedicated to building confidence in her female clients to help ensure financial independence.
When it comes to your Wealth Management process...
* Feel overwhelmed with all the financial lingo and uncertainty out there?
* Lack confidence needed to make good long-term smart money decisions?
* Need a financial advocate to help ensure what's most important to YOU on the agenda?
We invite you to connect with us and get INSPIRED about your financial future.
* Create your "Life by Design" plan
* Learn about incorporating "Balanced Investment Strategies"
* Join us for one of our many "Educational & Motivational Events"
2025 Forbes Top Women Wealth Advisors Best-In-State
[Source: Forbes (Awarded Feb 2025). Data compiled by SHOOK Research LLC based for the period 9/30/23–9/30/24. https://www.forbes.com/lists/best-in-state-women-advisors/]
Services Include
- Wealth PlanningFootnote1
- Sustainable InvestingFootnote2
- Divorce Financial AnalysisFootnote3
- Retirement PlanningFootnote4
- Corporate Retirement PlansFootnote5
- Planning for Education FundingFootnote6
- Philanthropic Services
- LGBT+ Planning ServicesFootnote7
- Long Term Care InsuranceFootnote8
- Life InsuranceFootnote9
Securities Agent: OR, CT, WY, WI, SD, NM, ID, MI, HI, CO, WA, UT, PA, MN, VA, MA, TX, SC, IL, CA, MT, GA, AK, NC, MO, AZ, OH, NY, NJ, MD, FL, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1498290
NMLS#: 1498290
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
Comprehensive Wealth Planning
Planning is at the <3 heart <3 of what we do. It is the beginning, middle, and end.
Our desire is to understand YOU: Your goals, dreams, fears and concerns, and what is most important to YOU.
With your permission we would like to start that conversation today.
A Safe Space
We create a positive safe place where you are inspired to potentially learn, grow, & achieve your personal greatness all the while being free to be YOU.
We want to help add VALUE to YOUR overall wealth management experience, we enjoy working with our clients and building long lasting trusting relationships, where we have the opportunity to serve YOU and give YOU the important guidance needed throughout your money journey.
Fees/Next Steps
Our first meeting is a ‘get to know YOU’ meeting and it is our pleasure to do so complimentary.
With your blessing, we take the information you share with us confidentially during our first meeting, and create a unique Wealth Plan for YOU complimentary.
We will then invite YOU to a follow up meeting to engage in a meaningful conversation about all the things YOU are excelling in and discuss the areas where we might be able to improve upon together.
What YOU Can Expect?
What can you expect when working with us?
We are here to meet you where YOU are in your personal money journey, hold your hand with no judgement, walk alongside you, and guide you to help achieve your personal greatness, and above all SERVE YOU.
YOU are Unique
Given that it all starts with YOU we customize each of our valued clients’ experiences to their personal wishes and desires.
Account Minimums
We don’t believe in account minimums.
And here is WHY…It’s not about the $ amount.
To us, it is about YOU! ……….……….
To helping activate the greatness in us ALL!
Planning is at the <3 heart <3 of what we do. It is the beginning, middle, and end.
Our desire is to understand YOU: Your goals, dreams, fears and concerns, and what is most important to YOU.
With your permission we would like to start that conversation today.
A Safe Space
We create a positive safe place where you are inspired to potentially learn, grow, & achieve your personal greatness all the while being free to be YOU.
We want to help add VALUE to YOUR overall wealth management experience, we enjoy working with our clients and building long lasting trusting relationships, where we have the opportunity to serve YOU and give YOU the important guidance needed throughout your money journey.
Fees/Next Steps
Our first meeting is a ‘get to know YOU’ meeting and it is our pleasure to do so complimentary.
With your blessing, we take the information you share with us confidentially during our first meeting, and create a unique Wealth Plan for YOU complimentary.
We will then invite YOU to a follow up meeting to engage in a meaningful conversation about all the things YOU are excelling in and discuss the areas where we might be able to improve upon together.
What YOU Can Expect?
What can you expect when working with us?
We are here to meet you where YOU are in your personal money journey, hold your hand with no judgement, walk alongside you, and guide you to help achieve your personal greatness, and above all SERVE YOU.
YOU are Unique
Given that it all starts with YOU we customize each of our valued clients’ experiences to their personal wishes and desires.
Account Minimums
We don’t believe in account minimums.
And here is WHY…It’s not about the $ amount.
To us, it is about YOU! ……….……….
To helping activate the greatness in us ALL!
Women and Wealth
With passion, purpose, and a heart of service, Sara has dedicated the last 20+ years to sharing love and positivity with the world, inspiring greatness, and helping women navigate life's transitions to ensure women have the opportunity to live a "Life by Design".
Transitions are inevitable. At times they are blessings - a celebration of a new love, the arrival of a new baby, a milestone birthday party. Other times, they can be devastating - the loss of a job or a failed business venture, enduring a painful divorce, or the death of a loved one. Navigating through life's moments can be scary and uncertain (Sara gets it - she's been there too).
Sara is a Certified Divorce Financial Analyst® and a 20+ year tenured Financial Advisor. Because of this, she has the knowledge and wisdom to help you make the right financial decisions. But she is also a woman, a daughter, a mother, and a divorcee. Because of this, she has compassion. She will walk with you on your journey, hand in hand and judgement free. Together, we'll potentially activate your personal greatness going forward.
Disclaimer:
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.
Transitions are inevitable. At times they are blessings - a celebration of a new love, the arrival of a new baby, a milestone birthday party. Other times, they can be devastating - the loss of a job or a failed business venture, enduring a painful divorce, or the death of a loved one. Navigating through life's moments can be scary and uncertain (Sara gets it - she's been there too).
Sara is a Certified Divorce Financial Analyst® and a 20+ year tenured Financial Advisor. Because of this, she has the knowledge and wisdom to help you make the right financial decisions. But she is also a woman, a daughter, a mother, and a divorcee. Because of this, she has compassion. She will walk with you on your journey, hand in hand and judgement free. Together, we'll potentially activate your personal greatness going forward.
Disclaimer:
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.
Women and Wealth Resources
Women often have a more holistic vision for success and define it in very personal terms. In our experience, women investors often look beyond just meeting a performance benchmark and often want to align their financial goals with their personal and social priorities. Read below for more information on the resources available to you!
Women and Wealth ResourcesWomen and Personalized Client Experience
There's no doubt about it — women face a unique set of financial challenges. That is why we are committed to empowering women with the knowledge and tools needed to achieve your goals: whether you're buying a home, starting a family, navigating a divorce, caring for a loved one, or giving back to a cause you care about. Read below for more information on the personalized client experience offered through Morgan Stanley's Women and Wealth.
Women and Personalized Client ExperienceWomen and Investing
Strategies for helping women make well-informed decisions toward finding their balance among their personal, professional, financial and philanthropic goals. Read below for more information on what could be useful in your financial journey.
Women and InvestingWomen and Wealth Planning
Generally, financial life stages fall into three categories: wealth accumulation, preservation, and distribution. An individual’s needs change through those stages of life. By understanding your savings, investment, and banking options, you will be better equipped to meet your money goals and needs during each stage.
Women and Wealth PlanningWomen and Philanthropy
Become the Change You Wish to See in the World. Women often play key roles in educating and influencing family members to give; their philanthropic influence may extend far beyond their individual charitable efforts. Help women explore effective philanthropic strategies for maximizing impact.
Women and PhilanthropyWomen and Us
In 2013, Sara Co-founded Women at Morgan Stanley or W@MS. Shortly thereafter, Mary leaned in establishing the Bellevue W@MS chapter. Helping women find a safe place within their finances continues to be one of our main goals. In order to better gear our team in this direction we recently changed our name. Read below for a bit of our background and how The Darling Group at Morgan Stanley got our name!
The Darling Group at Morgan StanleyAligning Your Investments with Your Values
A Darling FACT: Hiring more Women can help a stocks performance and have IMPACT.
Morgan Stanley analysis of annualized performance from 2011 to 2022 found that stocks of companies that employ higher gender diversity outperformed less-diverse sector peers in all regions.
Impact Questions to Ask <3 Darling <3:
<3 How do I align my values with my money?
<3 How do I get started in values-based investing?
<3 How do values-based investments perform relative to the broad market?
Morgan Stanley analysis of annualized performance from 2011 to 2022 found that stocks of companies that employ higher gender diversity outperformed less-diverse sector peers in all regions.
Impact Questions to Ask <3 Darling <3:
<3 How do I align my values with my money?
<3 How do I get started in values-based investing?
<3 How do values-based investments perform relative to the broad market?
A financial plan made for you
Our wealth management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan.
At Morgan Stanley, we understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, we can help you take charge of your financial future an achieve your goals. Below, we have provided some links that will introduce you to a few of the tools that we use, please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth.
At Morgan Stanley, we understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, we can help you take charge of your financial future an achieve your goals. Below, we have provided some links that will introduce you to a few of the tools that we use, please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth.
LifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs. Fill out the questionnaire to get started talking with us about creating a personalized strategy for your long-term goals.
Learn More Here
Goals Planning System
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Start Planning Now
Aladdin - Intelligent Risk Management
There’s a chance your portfolio may be at risk, but how you manage that risk is what matters.
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 both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Learn More HerePortfolio 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 both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Strategy - Intelligent Withdrawals
Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results.
The decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
View Tax-Aware Strategies HereThe decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Start Using the Tool TodayLocation
601 Union Street
Suite 2900
Seattle, WA 98101
US
Direct:
(206) 464-4144(206) 464-4144
Toll-Free:
(800) 426-7837(800) 426-7837
Fax:
(206) 628-4425(206) 628-4425
Meet My Team
Bradley Marshall
Registered Client Service Associate
Phone:
(425) 467-3113(425) 467-3113
About Andrew Wen
Andrew has over five years of client service experience and began his career in the financial industry two years ago. He joined Morgan Stanley in 2023 as a Registered Client Service Associate with his series 7 and series 66 licenses. He is truly passionate about helping clients.
Andrew graduated from the University of Washington with degrees in Marketing and Economics. He was born in Guangdong, China and came to Seattle, WA when he was age 11. He is fluent in Cantonese and Mandarin and has enjoyed living in the Evergreen state ever since. He loves to spend his leisure time playing all kinds of racket sports and continues to complete his goal of traveling to every country in Asia.
Most recently he became a new dad and enjoys spending time hanging out with his beautiful daughter Shiah (Shee-ah).
Andrew graduated from the University of Washington with degrees in Marketing and Economics. He was born in Guangdong, China and came to Seattle, WA when he was age 11. He is fluent in Cantonese and Mandarin and has enjoyed living in the Evergreen state ever since. He loves to spend his leisure time playing all kinds of racket sports and continues to complete his goal of traveling to every country in Asia.
Most recently he became a new dad and enjoys spending time hanging out with his beautiful daughter Shiah (Shee-ah).
About Bradley Marshall
I Began my career as a Client Service associate in Lake Oswego in March of 2021. I hold a degree in Biomedical Engineering from Harding University and am currently pursuing an MBA with a specialization in Finance at the University of North Alabama. In my free time, I enjoy hiking, visiting breweries, and playing poker.
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Katie Reed
Senior Private Banker
Terry Gravely, CFP®
Financial Planning Director, Vice President
About Katie Reed
Katie Reed is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Washington.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Katie began her career in financial services in 2002, and joined Morgan Stanley in 2017 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch.
Katie is a graduate of the University of Washington, where she received a Bachelor of Arts in Economics. She lives in Seattle, Washington with her spouse. Outside of the office, Katie enjoys volunteering her time with various organizations which support women, food accessibility, and animals. She also enjoys traveling, Washington Husky football, and spending time with family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Katie began her career in financial services in 2002, and joined Morgan Stanley in 2017 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch.
Katie is a graduate of the University of Washington, where she received a Bachelor of Arts in Economics. She lives in Seattle, Washington with her spouse. Outside of the office, Katie enjoys volunteering her time with various organizations which support women, food accessibility, and animals. She also enjoys traveling, Washington Husky football, and spending time with family and friends.
NMLS#: 652641
About Terry Gravely
Terry Gravely is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Seattle. He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Terry began his career in financial services in 2000, and joined Morgan Stanley in 2021. Prior to his current position, he worked as a registered investment advisor and certified teacher.
Terry graduated from Virginia Tech and holds his CERTIFIED FINANCIAL PLANNER™ and Certified Personal Wealth Advisor® designations. Terry lives in Seattle, Washington where he enjoys spending time with his grandchildren. Outside of work, Terry volunteers at an elementary school.
Terry began his career in financial services in 2000, and joined Morgan Stanley in 2021. Prior to his current position, he worked as a registered investment advisor and certified teacher.
Terry graduated from Virginia Tech and holds his CERTIFIED FINANCIAL PLANNER™ and Certified Personal Wealth Advisor® designations. Terry lives in Seattle, Washington where he enjoys spending time with his grandchildren. Outside of work, Terry volunteers at an elementary school.
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
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
Are You Prepared for Tax Day?
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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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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
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
Donor Advised Funds: A Smart Way to Manage Your Giving
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Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Sara Asatiani today.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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, charitable giving, philanthropic planning and other legal matters.
2The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
3Morgan 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.
4When 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.
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 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.
6When 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.
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 and other legal matters.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
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, charitable giving, philanthropic planning and other legal matters.
2The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
3Morgan 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.
4When 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.
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 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.
6When 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.
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 and other legal matters.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Awards Disclosures
CRC 6491812 (04/2024)
