Wilson Calansingin
Associate Private Banker
Scarlet Kelso, CFP®, CDFA®, QPFC
Vice President,
Financial Advisor,
Vice President, Wealth Management,
Workplace Advisor - Equity Compensation
Direct:
(208) 665-4247(208) 665-4247
Toll-Free:
(800) 338-7169(800) 338-7169
My Mission Statement
My mission is to bring clarity, confidence, and calm to your financial life by blending thoughtful planning with the powerful resources of Morgan Stanley.
Welcome
My goal when working with my clients is to remove complexity from the financial process and simplify my clients' lives and finances by implementing a strategy to make their money work more efficiently. I believe it is crucial to safeguard your decades of hard work, sacrifice, and savings and aim to provide a clear path to secure your financial future, at every stage of life.
I work with individuals, families, business owners and I also provide guidance on company 401(k) plans. Each of my clients have unique financial situations, objectives, investment experience, and risk tolerance. With my comprehensive approach to financial planning, and access to the wide array of financial strategies at Morgan Stanley, I am able to help my clients navigate their unique circumstances and guide their investment decisions. Engaging in a goals-based wealth management approach, I take time to learn all the intricacies of my clients' financial lives. Together we create a strategy that is designed to navigate today’s markets and tomorrow’s uncertainties with confidence.
In addition, as a Certified Divorce Financial Analyst® I help clients who are divorcing to organize, plan and prepare for their financial future, including cash flow management and budgeting. I work closely with their attorney, and other trusted advisors, to help increase the success of client’s settlement outcome.
First class financial services can make a lasting, positive impact on your lifestyle and the legacy you leave behind. Having a disciplined, rational approach to investing can remove the emotions that often times get in the way of sound thinking. Most of all, clients need to work with someone they can trust and makes them feel valued. These are the reasons I am passionate about the work I do and the people I work with.
I work with individuals, families, business owners and I also provide guidance on company 401(k) plans. Each of my clients have unique financial situations, objectives, investment experience, and risk tolerance. With my comprehensive approach to financial planning, and access to the wide array of financial strategies at Morgan Stanley, I am able to help my clients navigate their unique circumstances and guide their investment decisions. Engaging in a goals-based wealth management approach, I take time to learn all the intricacies of my clients' financial lives. Together we create a strategy that is designed to navigate today’s markets and tomorrow’s uncertainties with confidence.
In addition, as a Certified Divorce Financial Analyst® I help clients who are divorcing to organize, plan and prepare for their financial future, including cash flow management and budgeting. I work closely with their attorney, and other trusted advisors, to help increase the success of client’s settlement outcome.
First class financial services can make a lasting, positive impact on your lifestyle and the legacy you leave behind. Having a disciplined, rational approach to investing can remove the emotions that often times get in the way of sound thinking. Most of all, clients need to work with someone they can trust and makes them feel valued. These are the reasons I am passionate about the work I do and the people I work with.
Securities Agent: SC, SD, TX, UT, VA, WA, WI, WV, WY, PR, AK, AR, AZ, CA, CO, CT, NH, DC, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OH, OR, PA, RI; General Securities Representative; Investment Advisor Representative
NMLS#: 1294041
NMLS#: 1294041
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
About Me
I believe financial planning should be personal, practical, and empowering. Too often, people feel overwhelmed by complex choices, or they’ve only been offered piecemeal advice that doesn’t take the full picture into account.
That’s why I built my practice around a simple principle: your financial life deserves clarity and a plan.
As a CERTIFIED FINANCIAL PLANNER™, Certified Divorce Financial Analyst®, and Qualified Plan Financial Consultant, I bring deep technical expertise to every client relationship. At the same time, as part of Morgan Stanley, I connect you with the firm’s world-class investment platform and global research. This combination allows me to deliver planning that’s both highly personal and backed by institutional strength.
Whether I’m helping a family prepare for retirement, guiding someone through the financial transitions of divorce, or working with business owners on retirement plan design, my role is to help you move forward with confidence.
Outside of the office, I enjoy spending time with my family, volunteering in the community, traveling, hiking, yoga, reading, photography, designing, and party planning! These experiences shape the values I bring to my work: empathy, resilience, and a focus on what truly matters.
That’s why I built my practice around a simple principle: your financial life deserves clarity and a plan.
As a CERTIFIED FINANCIAL PLANNER™, Certified Divorce Financial Analyst®, and Qualified Plan Financial Consultant, I bring deep technical expertise to every client relationship. At the same time, as part of Morgan Stanley, I connect you with the firm’s world-class investment platform and global research. This combination allows me to deliver planning that’s both highly personal and backed by institutional strength.
Whether I’m helping a family prepare for retirement, guiding someone through the financial transitions of divorce, or working with business owners on retirement plan design, my role is to help you move forward with confidence.
Outside of the office, I enjoy spending time with my family, volunteering in the community, traveling, hiking, yoga, reading, photography, designing, and party planning! These experiences shape the values I bring to my work: empathy, resilience, and a focus on what truly matters.
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. The QPFC designation is sponsored by the National Association of Plan Advisors (NAPA).
Certified Financial Planner (CFP®)
Individuals certified by the CFP® Board have taken the extra step to demonstrate commitment and professionalism by voluntarily submitting to the rigorous CFP® certification process that includes demanding education, examination, experience, and ethical requirements. These four cornerstones set the foundation for the CFP® professional’s ability in helping clients achieve their goals.
Certified Divorce Financial Analyst (CDFA®)
Divorce is a time of turmoil and upheaval, but it can also be a time of hope and new beginnings. The key is to prepare for it once you decide there is no other choice.
Working With You
I believe lasting relationships are built on shared values, confidence, and trust. My approach is collaborative and transparent, ensuring you fully understand the recommended strategies and how they align with your goals. I explain complex financial concepts in clear, simple language, avoiding confusing jargon.
Discovery
In our first meeting, we evaluate if my practice suits your needs by reviewing your assets, obligations, lifestyle, and detailed financial goals to develop a comprehensive financial plan.
Advice
After analyzing your data, I develop and recommend a financial plan that outlines your current asset allocation and suggests the most efficient future allocation.
Implementation
Your plan is implemented after your approval, executed with discipline, and remains flexible to adapt to economic, tax, and personal changes.
Ongoing Reporting
I continually assess your strategy and performance, and Patti and I will be communicating with you regularly.
Recent Divorcees
As a Certified Divorce Financial Analyst (CDFA®), I assist my recently divorced clients in navigating the financial complexities that arise during and after a divorce. I offer guidance on asset division, settlement implications, future financial planning, and many other considerations.
Business Owners & 401(k) Plan Sponsors
As a Qualified Plan Financial Consultant (QPFC) and Certified Financial Planner (CFP®), I assist business owners and 401(k) Plan Sponsors with financial planning for themselves and their employees. I provide guidance on plan structure, compliance, and investment options to help ensure the plan aligns with the company's goals. My role is to optimize plan performance and enhance participant outcomes.
Individuals Nearing Retirement
As a Certified Financial Planner (CFP®), I assist my clients nearing retirement by developing comprehensive strategies to help ensure financial security depending on their priorities. Whether assessing income plans, optimizing retirement savings, or managing risks, I help to create a smooth transition into retirement.
Professionals Navigating Career Changes
As a Certified Financial Planner (CFP®), I assist professionals navigating career changes by evaluating their financial situation and developing strategies to manage income fluctuations and optimize benefits. I provide guidance on handling retirement accounts and adjusting investment strategies to align with my clients' new career goals.
Community Involvement
Community involvement is one of the most important and valuable actions we can take. We have the potential to improve the lives of others and make a positive impact on the community. I am involved in the following non-profit organizations:
Institute for Divorce Financial Analysts - Member
The Institute for Divorce Financial Analysts (IDFA) is an organization committed to educating financial professionals about specific issues relating to divorce. The Institute for Divorce Financial Analysts certifies members who complete its modular study program, which highlights divorce tax law and asset distribution.
Coeur d'Alene Women in Business - Member
Coeur d'Alene Women In Business has been supporting Women in Business in our community for 20 years. They thrive to build and support local businesses owned or operated by local successful, professional women.
Elevate 2024 - Chairperson
Kootenai County Young Professionals teams up with the Kootenai County Top 30 Under 40 Committee to put on an event that celebrates the Top 30 Under 40 Winners of the year. Elevate is a formal event with dinner, drinks, a silent auction, and a powerful keynote speaker.
Certified Financial Planner (CFP®) and Certified Divorce Financial Analyst (CDFA®)
THE CFP® PROFESSIONAL
Individuals certified by the CFP® Board have taken the extra step to demonstrate commitment and professionalism by voluntarily submitting to the rigorous CFP® certification process that includes demanding education, examination, experience, and ethical requirements. These four cornerstones set the foundation for the CFP® professional's ability in helping clients achieve their goals. My diverse skillsets can help you navigate the complicated financial factors in your life.
WOMEN IN TRANSITION - HOW I CAN HELP AS A CDFA®
Divorce is a time of turmoil and upheaval, but it can also be a time of hope and new beginnings. The key is to prepare for it once you decide there is no other choice. I decided to earn my Certified Divorce Financial Analyst (CDFA®) designation when I learned I could help individuals contemplating divorce who had become overwhelmed by the financial issues they faced. As a CDFA®, I have the training and experience to help you work through the divorce process and then further provide guidance to help meet your financial goals and plan for your future.
See the informative articles and documents below for guidance:
Women and Wealth: Planning for Your Financial Future
It's natural to feel overwhelmed by all the life events we need to prepare for. But women are tough, and we're smart, and we're planners. Feeling in control of your finances can propel you in so many other areas of your life, so you owe it to yourself to define your goals, start a dialogue with your loved ones and create a game plan. The modern face of wealth is female, so walk confidently into your financial future.
Income and Estate Planning Toolkit
A well-crafted estate plan can help clients plan for the future by getting a better overall sense of their potential estate value. Financial Advisors help clients by analyzing the impact of different strategies surrounding the ownership of assets, philanthropy, and the implementation of trusts.
Taking Control of Your Finances After Divorce or Death of A Spouse
Divorce or the death of a spouse can turn the best laid financial plans upside down. An income stream dries up; assets may be divided; in short, where life had a feeling of certainty, you may now be standing on shifting ground.
Tax Efficient Investing
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan.
Divorce: Planning For a New Beginning
Major relationship transitions can be overwhelming in both a personal and practical way. Dealing with the impact of divorce on your financial life can make an emotionally difficult time even more challenging. Although divorce is seldom easy, you can prepare for it - and being prepared will help you feel more in control and better equipped to make informed, confident decisions about your financial future.
Client Service Team
Patti Leach - Registered Associate
Phone:
(208) 665-4248(208) 665-4248
Email:patti.leach@morganstanley.com
Patti is dedicated to providing exceptional service for every client. She is responsible for client administration, helping on-board new clients, educating clients about on-line access, responding to clients’ requests and scheduling meetings. Often the first point of contact, she is knowledgeable about the breadth of services offered by Scarlet and Morgan Stanley.
Scarlet and Patti have worked together since 2011. She accompanied Scarlet in joining Morgan Stanley in 2013 to leverage the wealth of resources at the company. Previously Patti assisted Scarlet’s clients at Edward Jones. Prior to joining Edward Jones, Patti spent 17 years in the in the auto auction industry at DAA Northwest.
Committed to the community, Patti volunteers for a number of non-profit organizations, including:
• Ronald McDonald House- Annual Polo Match- Hospitality volunteer
• Kootenai Health Foundation Festival of Trees Production Committee – Executive Committee and Past Committee Co-Chair
• North Idaho Enological Society – Secretary, Executive Committee and Tasting Committee member
• Idaho Community Foundation-Member
Patti and her husband have been married 14 years and she is a bonus mom to daughter Casey, son Cody, and has a four-year old grand-daughter, Aubrey. In her free time, she enjoys reading, watching movies and the outdoors. In good weather, you can find Patti and her husband, Charlie, boating, motorcycle riding and four-wheeling.
Scarlet and Patti have worked together since 2011. She accompanied Scarlet in joining Morgan Stanley in 2013 to leverage the wealth of resources at the company. Previously Patti assisted Scarlet’s clients at Edward Jones. Prior to joining Edward Jones, Patti spent 17 years in the in the auto auction industry at DAA Northwest.
Committed to the community, Patti volunteers for a number of non-profit organizations, including:
• Ronald McDonald House- Annual Polo Match- Hospitality volunteer
• Kootenai Health Foundation Festival of Trees Production Committee – Executive Committee and Past Committee Co-Chair
• North Idaho Enological Society – Secretary, Executive Committee and Tasting Committee member
• Idaho Community Foundation-Member
Patti and her husband have been married 14 years and she is a bonus mom to daughter Casey, son Cody, and has a four-year old grand-daughter, Aubrey. In her free time, she enjoys reading, watching movies and the outdoors. In good weather, you can find Patti and her husband, Charlie, boating, motorcycle riding and four-wheeling.
Location
505 E Front Ave
Ste 201
Coeur D Alene, ID 83814
US
Direct:
(208) 665-4247(208) 665-4247
Toll-Free:
(800) 338-7169(800) 338-7169
Fax:
(208) 765-2820(208) 765-2820
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
About Wilson Calansingin
Wilson Calansingin is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Washington State.
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.
Wilson began his career in financial services in 2006, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
Wilson is a graduate of Ateneo de Manila University, where he received a Business Management degree with a focus in Finance. He lives in Tacoma, Washington. Outside of the office, Wilson enjoys golfing.
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.
Wilson began his career in financial services in 2006, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
Wilson is a graduate of Ateneo de Manila University, where he received a Business Management degree with a focus in Finance. He lives in Tacoma, Washington. Outside of the office, Wilson enjoys golfing.
NMLS#: 711776
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, 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
Overcoming Your 5 Biggest Retirement Challenges
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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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
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 Scarlet Kelso today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
4Morgan 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
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, 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 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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
4Morgan 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
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, 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 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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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
CRC 4665150 (8/2025)
