Whitney Syme
Associate Private Banker
Sarah K. Smith, CPWA®
First Vice President,
Financial Advisor,
Financial Planning Specialist,
Portfolio Manager,
Corporate Retirement Director,
Qualified Plan Financial Consultant,
Certified Exit Planning Advisor™ (CEPA)
Direct:
(256) 552-9441(256) 552-9441
My Mission Statement
Our team helps families navigate the difficulty of planning for retirement, generating income in retirement and transferring wealth. We do this through a thoughtful process of getting to know you, creating a customized plan and monitoring the risk to reach your goals
My Story and Services
Sarah prides herself on providing the highest level of service possible to her clients. With an emphasis on planning, Sarah helps families and individuals create strategies that anticipate and address life’s transitions, whether it’s gaining or losing a partner, providing for a child or ailing family member, or starting or ending a successful career. She has a particular skill for finding the most effective and efficient route toward the achievement of a set of goals.
Sarah graduated from the University of Alabama in Huntsville with a Master of Accountancy and a B.A. in Accounting. She joined Morgan Stanley in 2016 with the desire to build relationships with people and a commitment to help successful professionals and families achieve financial independence.
Decatur, Alabama in the Tennessee Valley is her hometown, but she now lives in Huntsville, AL. Sarah enjoys golfing with friends, traveling to new places, skeet shooting, spending time with her little nephew and being involved in her community. She is very active both in the Huntsville and Decatur Community. She was chosen to be part of Huntsville Committee of 100 Young Professionals and Leadership Greater Huntsville, Connect Class 25. She serves on the board of Decatur Youth Symphony, National Defense and Industrial Association, Burritt on the Mountain and serves on committees for the United Way of Morgan County. She has a big heart for service and people.
Sarah graduated from the University of Alabama in Huntsville with a Master of Accountancy and a B.A. in Accounting. She joined Morgan Stanley in 2016 with the desire to build relationships with people and a commitment to help successful professionals and families achieve financial independence.
Decatur, Alabama in the Tennessee Valley is her hometown, but she now lives in Huntsville, AL. Sarah enjoys golfing with friends, traveling to new places, skeet shooting, spending time with her little nephew and being involved in her community. She is very active both in the Huntsville and Decatur Community. She was chosen to be part of Huntsville Committee of 100 Young Professionals and Leadership Greater Huntsville, Connect Class 25. She serves on the board of Decatur Youth Symphony, National Defense and Industrial Association, Burritt on the Mountain and serves on committees for the United Way of Morgan County. She has a big heart for service and people.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Corporate Retirement PlansFootnote3
- Alternative InvestmentsFootnote4
- Trust AccountsFootnote5
- 401(k) Rollovers
- Long-term Care InsuranceFootnote6
- Retirement PlanningFootnote7
- Donor Advised Funds
- Cash Management and Lending ProductsFootnote8
- Estate Planning StrategiesFootnote9
- Executive Financial ServicesFootnote10
- Divorce Financial AnalysisFootnote11
Securities Agent: MA, AZ, WI, WA, NC, KY, CA, MI, HI, FL, TX, NY, IL, GA, NM, MS, MO, ID, CT, AR, MD, DE, CO, WV, VA, NJ, WY, SD, SC, LA, IN, AL, NH, PA, OH, NV, DC, TN, KS, OK; General Securities Representative; Investment Advisor Representative
NMLS#: 1573339
NMLS#: 1573339
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My Four-Step Process
As your dedicated wealth management advisor, my role is to tailor a personalized financial strategy which fits your needs. For me, service means much more than providing sound investment advice and strategic guidance. I value my clients as part of my close-knit financial family, and I am proud to serve my clients as a resource, a sounding board or even a sympathetic ear. Understanding that investments are only one important piece of your overall wealth management strategy, I also serve as the primary coordinator and connector for all of your wealth planning needs. In my experience working with clients, my team and I have developed a step-by-step approach to service:
1. Discovery Process
We take the time to fully understand you and your family. Whether you’re planning for retirement, purchasing a home, or living out your golden years – we consider all of your challenges, goals, and aspirations when building your financial picture.
2. Forming Your Strategy
Using your life goals as the compass, we create a risk-balanced strategy which maps a clear path to achieving your success.
3. Implementing Your Plan
We apply extensive research and analysis, and also utilize Morgan Stanley’s full suite of resources, to help ensure swift decisive action in all market scenarios.
4. Measuring Your Success
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. My ultimate mission is your success and well-being.
#BoldFemaleEnergy Connections
I recently started hosting my #BoldFemaleEnergy Connections events. Through this series of events, we have established a wonderful group of strong, like-minded women who have been able to gather for idea sharing as well as supporting and inspiring each other. We have had multiple guest speakers share their experiences, and I am excited to continue growing this brand through our future events. If you would be interested in learning about some of the upcoming event’s, please reach out and I would be happy to provide more information!
"Women need other women in their lives who think they are a big deal. No competition, no backhanded comments, no jealousy, just an "I love you, I support you and there is no one on earth like you" kind of energy."
"Women need other women in their lives who think they are a big deal. No competition, no backhanded comments, no jealousy, just an "I love you, I support you and there is no one on earth like you" kind of energy."
#BoldFemaleEnergy (BFE):
Supporting women in their journey toward financial freedom and empowerment is not just a goal, but a mission we are deeply committed to. Together, let's break the barriers and pave the way for a future where women thrive in every aspect of their lives. Stay tuned, and join us in this empowering movement! Below are some examples of some events we have done in the past; some are educational, informal and social, but always empowering.
Happy Hour Event
Our March Bold Female Energy Connections event was hosted at the Blind Tiger in downtown Huntsville, featuring headshots by Raw Images LLC (Rachel Howard, owner) and discussion by Angela Panzica (owner of the Blind Tiger), who has a background in graphic design, about branding and being your authentic self. Great conversations, connections, and photos came out of this event! Love my new headshot!
Wellness Lunch Event
In February, I collaborated with Rebecca Dotson (Owner of Stronghold Fitness) to discuss taking control of your health and your finances in 2024 for our Bold Female Energy lunch at the beautiful Parisian by Noella's Flowers.
Wine Tasting Event
Last November, I hosted a wine tasting event at the Wine Cellar, a women-owned business (Brandi Edmonds, owner), and the room was full of like-minded strong women supporting one another to be confident all the rooms they walk into! We enjoyed a wine tasting curated "by women" and heard from a women winemaker herself.
Educational Lunch Event
We hosted our second event last September in our #BoldFemaleEnergy Connections series as a luncheon all about becoming more confident as women about your finances. Olivia Hails (Director at Janus Henderson Funds) did an amazing job facilitating a conversation with this group of women.
Happy Hour Event and First Launch
First launch of my women's series was in July of 2023 all about women empowerment and bringing women together for relationships and conversations was hosted at Stella's Elixir Lounge, a women-owned cocktail bar downtown Huntsville (Angela Panzica, owner).
Designations and Awards
My team, The Spring Group at Morgan Stanley, and I have recieved multiple awards over the years, including:
- 2023, 2024 & 2025 Forbes Best-In-State Wealth Management Teams
- Morgan Stanley Wealth Management Pacesetter's Club (2021-2023)
In addition, I hold certain designations to best serve my clients including:
- Corporate Retirement Director
- Financial Planning Specialist
- Qualified Plan Financial Consultant
- Certified Exit Planning Advisor
- Certified Private Wealth Advisor®
2023, 2024 & 2025 Best-In-State Wealth Management Teams
The Forbes/SHOOK Best-In-State Wealth Management Teams list features groups of experienced wealth managers who have proven track records of success according to SHOOK Research, which uses quantitative and qualitative data, including interviews, to rank teams. The Spring Group is proud to have been selected in 2023, 2024 & 2025.
2023-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award. Awards Disclosure: https://www.morganstanley.com/disclosures/awards-disclosure.html
Morgan Stanley Wealth Mangement Pacesetter's Club
I have been recognized as a member of the Morgan Stanley Wealth management Pacesetters club in 2021, 2022, and 2023. The Pacesetters Club is a global recognition program for Financial Advisors who, early in their career, have demonstrated the highest professional standards and first-class client service.
Corporate Retirement Director
Of Morgan Stanley's more than 16,000 Financial Advisors, I am among the 2% that have qualified for the designation of Corporate Retirement Director as of December 2024. The CRD designation recognizes Financial Advisors who have dedicated their practice to helping corporate clients manage all aspects of their retirement plans.
Financial Planning Specialist
The Financial Planning Specialist is a Morgan Stanley designation where advisors participate in an interactive e-learning program designed to help build meaningful, multi-generational relationships with clients and their entire families, especially spouses, children and aging parents.
Qualified Plan Financial Consultant
QPFC is the professional credential for financial professionals who sell, advise, market or support qualified retirement plans. The QPFC program provides an understanding of general retirement planning concepts, terminology, distinctive features of qualified plans and the role of retirement plan professionals.
Certified Exit Planning Advisor (CEPA)
The CEPA® program is specifically designed for financial advisors who work closely with owners of privately held companies. CEPAs help identify, protect, build, harvest and manage wealth to assist business owners and their families through an exit transition.
Certified Private Wealth Advisor® (CPWA®)
The Certified Private Wealth Advisor® (CPWA®) is an advanced professional certification for advisors who serve high-net-worth clients. It's designed for seasoned professionals who seek the latest, most advanced knowledge and techniques to address the sophisticated needs of clients with a minimum net worth of $5 million. The CPWA® program takes a holistic and multidisciplinary approach that includes a deep dive into sophisticated wealth strategies, estate planning, wealth transfer, behavioral finance, family dynamics, tax management, and legacy planning.
Client Service Team
Carter Hancock - Registered Client Service Associate
Phone:
(205) 968-6921(205) 968-6921
Email:Carter.Hancock@morganstanley.com
Kristen Hall - Registered Client Service Associate
Phone:
(251) 990-2947(251) 990-2947
Email:kristen.hall@morganstanley.com
Location
300 Market Street NE
Suite 101
Decatur, AL 35601
US
Direct:
(256) 552-9441(256) 552-9441
305 Church St SW
Suite 720
Huntsville, AL 35801
US
Direct:
(256) 552-9441(256) 552-9441
3500 Colonnade Parkway
Suite 200
Birmingham, AL 35242
US
Direct:
(205) 968-9621(205) 968-9621
7530 Parker Rd
Ste 100
Fairhope, AL 36532
US
Direct:
(251) 990-2947(251) 990-2947
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
Sam Gaitan
Planning Associate
About Whitney Syme
Whitney Syme is an Associate Private Banker serving Morgan Stanley
Wealth Management offices in Alabama, Arkansas, and Florida.
Associate Private Bankers partner with Private Bankers and 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.
Whitney began her career in financial services in 2006 when she joined Morgan Stanley. Prior to her current role she served as a Business Development Associate and as a Senior Complex Service Manager.
Whitney is a graduate of the Auburn University, where she received a Bachelor of Science in Marketing. She lives in Birmingham, Alabama with her family. Whitney is a member of the Big Oak Ranch Auxiliary and Vestavia Hills Elementary Cahaba Heights Parent Teacher Organization. Outside of the office, Whitney enjoys painting, hiking, skiing, and traveling.
Wealth Management offices in Alabama, Arkansas, and Florida.
Associate Private Bankers partner with Private Bankers and 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.
Whitney began her career in financial services in 2006 when she joined Morgan Stanley. Prior to her current role she served as a Business Development Associate and as a Senior Complex Service Manager.
Whitney is a graduate of the Auburn University, where she received a Bachelor of Science in Marketing. She lives in Birmingham, Alabama with her family. Whitney is a member of the Big Oak Ranch Auxiliary and Vestavia Hills Elementary Cahaba Heights Parent Teacher Organization. Outside of the office, Whitney enjoys painting, hiking, skiing, and traveling.
NMLS#: 2277780
About Sam Gaitan
Samuel Gaitan is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Samuel Gaitan provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Pace University and received the Financial Planning Specialist® designation from the College for Financial Planning and is a CERTIFIED FINANCIAL PLANNER™ professional. Samuel Gaitan is originally from Queens, New York and currently resides in Queens, New York.
He earned his undergraduate degree from Pace University and received the Financial Planning Specialist® designation from the College for Financial Planning and is a CERTIFIED FINANCIAL PLANNER™ professional. Samuel Gaitan is originally from Queens, New York and currently resides in Queens, New York.
Private Bankers, Ultra High Net Worth (“UHNW”) Sales Specialists, Lending Advisors, Mortgage Consultants, Relationship Managers, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Wealth Management
From My Desk
Justin Rose Tutorial Video: How to be More Consistent
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
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
Tax-Smart Ways to Sell Securities
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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
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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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 Sarah K. Smith today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When 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.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7When 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.
8Morgan 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
9Morgan 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.
10Morgan 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.
11Morgan 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 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When 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.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7When 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.
8Morgan 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
9Morgan 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.
10Morgan 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.
11Morgan 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.
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Awards Disclosures
CRC 6491812 (04/2024), 3582895 (6/2024)
