Simone G. Vinocour
Financial Advisor,
Insurance Planning Director,
Financial Planning Specialist
Direct:
(212) 230-3693(212) 230-3693
My Mission Statement
Empowering clients with the financial confidence to pursue their life's goals by building deep long-term relationships based on experience, dialogue and trust.
Working Together to Achieve Your Goals
I leverage over two decades of experience in the global capital markets and banking to manage money for small businesses, foundations and successful families. I believe success in achieving important financial goals, no matter the client profile, starts with a comprehensive wealth strategy. I will help you define what is most important to you and then formulate the strategies that are appropriate to your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan or devising a distribution approach that can help meet your lifestyle and legacy goals.
As a woman raised from a young age by a widow, I know first-hand the importance of being empowered by financial strategy. As a mother of two children, I understand the importance of planning for life’s major milestones: college, parental care and retirement. As a finance professional with deep relationships in the business community, I understand the issues companies and business owners, large and small, face and how to identify strategies to today’s challenges.
I understand the power of investing with impact and leaving a legacy in line with closely-held values and work with clients to help achieve their financial objectives with this in mind.
I place great emphasis on educating my clients on a wide range of topics. If you’d like to be placed on my mailing list for future seminars and events, please feel free to contact me!
As a woman raised from a young age by a widow, I know first-hand the importance of being empowered by financial strategy. As a mother of two children, I understand the importance of planning for life’s major milestones: college, parental care and retirement. As a finance professional with deep relationships in the business community, I understand the issues companies and business owners, large and small, face and how to identify strategies to today’s challenges.
I understand the power of investing with impact and leaving a legacy in line with closely-held values and work with clients to help achieve their financial objectives with this in mind.
I place great emphasis on educating my clients on a wide range of topics. If you’d like to be placed on my mailing list for future seminars and events, please feel free to contact me!
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Divorce Financial AnalysisFootnote3
- Estate Planning StrategiesFootnote4
- 401(k) Rollovers
- 529 PlansFootnote5
- Corporate Retirement PlansFootnote6
- Defined Contribution PlansFootnote7
- Executive Financial ServicesFootnote8
- Life InsuranceFootnote9
- Long Term Care InsuranceFootnote10
Securities Agent: KS, NY, GA, DC, NC, AZ, MI, LA, FL, IL, CO, TX, MD, CA, WI, OH, MA, CT, WA, SC, PA, VA, NV, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 1792010
NMLS#: 1792010
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Upcoming Firm Events
We hope you will join us for this upcoming event.
American Exceptionalism: The Great Rebalancing
DATE: September 8, 2025 at 12:15 p.m ETJoin Morgan Stanley thought leaders as they discuss the role of federal debt, sector trends, and the importance of a diversified portfolio.
CRC 4724315 (08/2025)
Online
Women and Wealth
The financial life of a woman is multi-faceted and nuanced. I am here to help you navigate through all of the milestones you may face. Contact me today and let’s get started!
Commitment to Diversity and Inclusion
For almost 20 years I have been deeply committed to diversity and Inclusion and gender equality in the workplace. I am pleased to be part of a firm that places such high importance on Diversity and Inclusion. To learn more about Morgan Stanley’s initiative for inclusion watch our video below.
Watch Video HereDigital Tools
In this modern age of finance, I am pleased to offer Morgan Stanley’s suite of digital tools designed to enhance every aspect of your financial life. Contact me today to get enrolled in Morgan Stanley Online!
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
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CashPlus
Easily manage your cash from your mobile devices and experience all of the benefits of a CashPlus account.
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eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Enroll in eDelivery
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts. Our Spending and Budgeting Tool makes it easy for you and your Financial Advisor to see your complete financial picture.
Spending and Budgeting Tool
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online SecurityCommunity Outreach
Throughout my career, I have taken on leadership roles building inclusive cultures both at work and in the community. I am especially passionate about empowering women in financial services and beyond to have the necessary skills for financial and professional success, no matter their background. The work I do in this area has helped me be a more knowledgeable and empathetic advisor for my clients.
National Association of Divorce Professionals
The NADP unites professionals in the legal, financial, mental health and residential industries who serve divorcing clients in order to make a positive impact on the entire process. As a member of one of the New York City chapters, I help build on the foundational knowledge of the group and can, in turn, better support my divorcing or divorced clients.
Learn MoreFinancial Women's Association (FWA)
Founded in 1956, the FWA is non-profit dedicated to promoting the professional development and advancement of women across the financial sector through membership, networking, and education. I have been an active member of the FWA since 2002. From 2019 to 2021 I was proud to have served a two-year term as its President and Chair of the Board of Directors – as only the 4th woman in its history to do so.
My time as the President of FWA gave me the opportunity to not only have honors such as ringing the NASDAQ closing bell, but also the chance to work with truly incredible women: mentoring students and young women just beginning their careers and collaborating with seasoned professionals to make a positive impact on the industry. In this role, I also had the honor of being a member of the Dean’s Council at Baruch College’s Zicklin School of Business.
I currently serve as co-chair of the FWA’s President's Circle Strategic Advisory Council, which supports the organization’s corporate sponsors in helping to drive change in the industry and am a mentor in the FWA’s Member2Member program.
Learn MoreMy time as the President of FWA gave me the opportunity to not only have honors such as ringing the NASDAQ closing bell, but also the chance to work with truly incredible women: mentoring students and young women just beginning their careers and collaborating with seasoned professionals to make a positive impact on the industry. In this role, I also had the honor of being a member of the Dean’s Council at Baruch College’s Zicklin School of Business.
I currently serve as co-chair of the FWA’s President's Circle Strategic Advisory Council, which supports the organization’s corporate sponsors in helping to drive change in the industry and am a mentor in the FWA’s Member2Member program.
2025 Invest In Others: Lifetime Achievement Award
I am proud to be among the seventy-five financial service professionals recognized with an Honorable Mention for the Lifetime Achievement Award for my work with The Financial Women’s Association (The FWA). Over the past 2+ decades, I have worked to be an active stimulus for positive change and strove to demonstrate entrepreneurial vision for the FWA, which works to advance all women in Finance. I am honored that this work has been recognized and especially that the FWA will be receiving a donation form Invest in Others as part of this recognition.
Empowering women in and around finance has been a core practice throughout my career. If you would like to learn more about my approach and how it can make a difference for you and your own financial journey, reach out!
Invest in Others is a 501(c)(3) nonprofit dedicated to amplifying, celebrating, and inspiring the charitable work of the financial services community. The Financial Women’s Association (The FWA of New York, Inc.) is also a 501(c)(3) nonprofit which has been dedicated to advancing women in finance for over 69 years. Learn more at www.fwa.org. I look forward to leading the organization in the celebration of its 70th anniversary in 2026!
Empowering women in and around finance has been a core practice throughout my career. If you would like to learn more about my approach and how it can make a difference for you and your own financial journey, reach out!
Invest in Others is a 501(c)(3) nonprofit dedicated to amplifying, celebrating, and inspiring the charitable work of the financial services community. The Financial Women’s Association (The FWA of New York, Inc.) is also a 501(c)(3) nonprofit which has been dedicated to advancing women in finance for over 69 years. Learn more at www.fwa.org. I look forward to leading the organization in the celebration of its 70th anniversary in 2026!
Georgetown Alumni Admissions Group
As an alumna of Georgetown University, I am proud to be part of its Alumni Admissions Group, which interviews prospective students as part of the university’s admissions process. I am always inspired by the passion and achievements of the students I meet.
Ignatian Interfaith Ministry
The mission of the ministry at St. Ignatius Loyola Church is to promote dialogue through greater knowledge and understanding of the world’s faiths, by fostering partnerships and hosting a wide range of activities. I represent this activity on the Parish’s Ministry Council. I also sing soprano in two volunteer choirs singing music ranging from classical to contemporary.
HER Way
As part of my dedication to advancing financial literacy and support for my clients, I am proud to be a member of the HER Way core committee.
Launched in 2017, HER Way is a new cross-platform community of women dedicated to helping one another achieve our personal and financial goals. HER Way’s goal is simple but powerful: we want you to feel informed and inspired, so you can EMBRACE your financial decision making, build a strong foundation and network, and have the freedom you need to pursue your interests and passions. By connecting you with a supportive community and quality information curated by seasoned women financial advisors of Morgan Stanley’s 522 Fifth Avenue, we aim to EMPOWER you and help you live your best life, the way you want – HER way.
Launched in 2017, HER Way is a new cross-platform community of women dedicated to helping one another achieve our personal and financial goals. HER Way’s goal is simple but powerful: we want you to feel informed and inspired, so you can EMBRACE your financial decision making, build a strong foundation and network, and have the freedom you need to pursue your interests and passions. By connecting you with a supportive community and quality information curated by seasoned women financial advisors of Morgan Stanley’s 522 Fifth Avenue, we aim to EMPOWER you and help you live your best life, the way you want – HER way.
Location
55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 230-3693(212) 230-3693
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 Megan Auslaender
Megan Auslaender is a Private Banker serving Morgan Stanley Wealth Management offices in New York City.
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.
Megan began her career in financial services in 2007 and joined Morgan Stanley in 2010 as a Wealth Management Associate. Prior to being promoted to her current position, she served as an Associate Private Banker in New York and Massachusetts. Before she joined the firm, she was a Registered Sales Assistant for Johnston, Lemon & Company Inc. in
Washington, DC.
Megan is a graduate of the Pennsylvania State University where she received a Bachelor of Science in Economics. She lives in Manhattan with her husband and two daughters. Outside of the office, she enjoys spending time with her family, exploring the city, and traveling.
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.
Megan began her career in financial services in 2007 and joined Morgan Stanley in 2010 as a Wealth Management Associate. Prior to being promoted to her current position, she served as an Associate Private Banker in New York and Massachusetts. Before she joined the firm, she was a Registered Sales Assistant for Johnston, Lemon & Company Inc. in
Washington, DC.
Megan is a graduate of the Pennsylvania State University where she received a Bachelor of Science in Economics. She lives in Manhattan with her husband and two daughters. Outside of the office, she enjoys spending time with her family, exploring the city, and traveling.
NMLS#: 1418876
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
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Simone G. Vinocour 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Smith Barney LLC (“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.
4Morgan 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.
5Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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.
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 (“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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance 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.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Smith Barney LLC (“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.
4Morgan 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.
5Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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.
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 (“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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance 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.
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)
