James Cooper, CIMA®
Executive Director, Wealth Management, Financial Advisor, Senior Investment Management Consultant, Executive Financial Services Director, Lending Specialist
Phone:
(602) 954-5704(602) 954-5704
Spectrum Group at Morgan Stanley
Direct:
(602) 954-5720(602) 954-5720
Toll-Free:
(888) 477-2876(888) 477-2876
Our Mission Statement
Delivering the experience, resources and personalized service needed to help affluent families, Sovereign Nations, and other enterprises address their most complex wealth management issues.
Spectrum Group at Morgan Stanley
Forbes Best-In-State Wealth Management Teams for 2024, 2025, & 2026
Tyson Kelley was named to the Forbes Best-In-State Wealth Advisor list in 2025 & 2026
At Spectrum Group, our mission is to empower you – through steadfast guidance, highly customized strategies and unwavering discipline – to make informed decisions that will enable you to reach your specific financial goals in today's complex global markets.
Financial Strategies for Life
As our name implies, our wealth management approach covers the full spectrum of customized solutions for high net worth clients, institutions, and Native American Sovereign Nations. We not only focus on helping you articulate your needs and aspirations, but also on reviewing all aspects of your financial life so that we may create a comprehensive roadmap designed to help ensure financial success over multiple generations.
Comprehensive Solutions
We combine the vast resources of a major global firm with the personalized service of experienced wealth management consultants who have spent their entire careers– advising individuals and institutions throughout Arizona and the Western United States.
Earning your Confidence
Money, in and of itself, does not create the skills to manage it. In an ever-changing global financial environment, we offer broad experience, deep resources, and objective advice. In short, we are committed to helping you preserve and grow your assets while inspiring a level of confidence that enables you to focus on the aspects of life you care most about. At Spectrum Group, we strive to be your primary financial advisor, providing timely, unbiased advice – making a difference in your life and earning your confidence every day.
Passion | Objectivity | Experience | Advice
----------------------
Disclosures:
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024,2025,2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2025, 2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- Asset Management
- Alternative InvestmentsFootnote4
- Cash Management and Lending ProductsFootnote5
- Institutional ServicesFootnote6
- Business PlanningFootnote7
- Business Succession PlanningFootnote8
- Estate Planning StrategiesFootnote9
- Trust AccountsFootnote10
- Endowments and FoundationsFootnote11
- Philanthropic ManagementFootnote12
- Retirement PlanningFootnote13
- 401(k) Rollovers
- Life InsuranceFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
FAMILY WEALTH MANAGEMENT
Your family is unlike any other we have ever served. You may, however, share many of the same questions, challenges and opportunities. We look forward to learning more about you and your family, and discussing how we can help you safeguard what you have earned and pursue your most important life goals. We deliver an exceptionally attentive level of service and dedicate ourselves to finding solutions to the challenges our clients face, even those challenges that fall well outside the traditional role of wealth managers.
Wealth Education
Financial literacy means being empowered with the knowledge to make smarter financial decisions during every stage of life. Discussing family finances is especially important with adult children, no matter their age. It's not always easy, but starting the conversation is a key step in long-term wealth planning.
Financial Literacy for Any Stage of Your Life
Trust and Estate Planning and Business Succession
The key to determining which trust, tax and estate strategies to execute is to understand the interplay of personal and exogenous factors. Liquidity events such as an initial public offering or a merger or acquisition may provide income and estate planning opportunities. Liquidity events also magnify the need to put in place or update certain essential estate planning documents.
Estate Planning Essentials
Lifestyle Services
Reserved Living & Giving is a complimentary perks program for eligible Morgan Stanley clients designed to provide benefits beyond traditional wealth management services. The program provides access to one-of-a-kind experiences, discounts from popular brands, curated articles from our partners and Morgan Stanley thought leaders, and philanthropic inspiration.
Reserved Living & Giving
Tax-Savy Ways to Give
Many of our clients would like to support the causes and people they care about and also save on taxes. Fortunately, we're well versed on strategies that may help you accomplish both. If you’re inclined to help others, consider these tax-efficient ways to make your giving go further.
Consider These Strategies
Intergenerational Wealth Planning
While all families face complex financial issues, each has its own challenges, opportunities and aspirations. We help families protect, preserve and successfully transfer wealth through multiple generations.
Family Governance
Most families either never address their governance needs or wait until they are in a crisis—picking up the pieces afterwards—before they finally get serious about creating and implementing a robust family governance system.
Philanthropic Advisory
Believing that philanthropy must be more than checkbook writing, involved and engaged donors want to feel a connection and offer advice and input above and beyond money. Perhaps you want to use philanthropy to instill values in your children, or you want to apply your business acumen to philanthropy. Maybe it is the grassroots-type of organizations that inspire you. Holding philanthropic conversations with our team and your family to discuss values, motivations, visions and to develop a mission statement is an effective step to achieving long term philanthropic engagement. Deciding on what level of visibility you want, what type of program to support and how long you envision your involvement to last, are your matters that matter to us.
Art Advisory
Whether you have inherited a valuable collection or built one of your own, the stewardship of fine art and collectibles presents an extensive range of formidable challenges. These unregulated markets can be confusing, fragmented and inefficient. With experienced art advisors at your side, you have the guidance you need to avoid pitfalls and the expertise to manage your collection as the significant asset it is.
Empowering Tribal Sovereignty
Our team's experience includes working with Tribal governments and their accounting, bond council, and legal advisors regarding Public Financing, Water Right Settlement funds, and Minor Trust Funds. We understand and have extensive experience with Tribal Sovereignty, Section 17, Revenue Allocation Act requirements, investment policy statement (IPS) development, annual budgeting, and auditing issues as well as working with the Bureau of Trust Funds Administration. We are proud and honored to have a 25-year record of integrity and experience working with Tribal Governments, Tribal Enterprises, Casino and Public Projects Financing, Minor Trust Funds, and Tribal Retirement Plans. In each or our Tribal client relationships, our team has helped develop, update, or modify investment policy statements on behalf of our Native clients.
Services and Mandates Provided:
1. Community & Water Rights Fund
2. Permanent Fund, Roads & Construction Fund, General Operating Fund, Administrations & 457 Funds
3. Asset / Liability Study
4. Permanent Fund, General Fund and Tailored Line of Credit
5.Tribal Trust Funds Administration
6. Debt Repayment Funds Management
7. Profit Sharing Plan, and Telecommunications Operating Fund
8. Tribal Healthcare Foundation Management
9. Land Rights Settlement Funds Management
10. Defined Benefit Plan
11. Settlement Fund, IHS, BIA & HUD Fund, Timer Land Fund, General Fund and Self Sufficiency Fund
12. Tribal Healthcare and Hospital Retirement Fund Administration
13. Tribal 401k plan
14. Tribal Health Care Funds, Hospital Operations and 638 Program Management
15. Tribal Business Interruption Plan
16. Minor's Trust Funds Management
True Collaboration
The hallmark of our client service philosophy is our commitment to building client programs from the ground up and carefully turning them to their specific goals and objectives. We have built a deeply resourced team of investment professionals with extensive institutional backgrounds who are dedicated to meeting the needs of our clients and serving as an extension of their staff. We believe that our relationship with you is first earned through trust, which builds on unbiased advice and thoughtful recommendations for your portfolio. Our top priority is to understand and respond to your specific needs in a collaborative, professional and educational spirit – one that places you at the center of our relationship. We believe that the diversity of our team's background and experience allows us to incorporate sophisticated institutional thinking and industry best practices from all of our client segments. Ultimately, we measure the success of the program in terms of our client's ability to fulfill its financial objectives, not just beating benchmarks.
Independent, Objective and Focused Advice
Our approach is structured to provide unbiased, objective advice and guidance. Our goal is to provide the clients with the best of both worlds: a highly engaged boutique consulting client experience, backed by the deep resources and scale of a global financial services provider. We will leverage Morgan Stanley's thought leadership in the capital markets and draw upon our deep understanding and experience with Native American communities.
Total Tax 365
Tax management that is integrated into your investment process 365 days a year can be an essential part of growing your wealth. That's why we offer access to a broad range of tax solutions to help you maximize your after-tax wealth.
Why Choose Tax-Smart Investing?
By implementing tax-efficient strategies as part of your investment process, you may increase potential portfolio returns and achieve your goals faster. Click the link below to learn more about how Morgan Stanley Total Tax 365 may help you save on taxes and keep more of what you earn.
Tax Management Services at Morgan Stanley
The Tax Management Services (TMS) team can help efficiently manage your capital gains in managed accounts within your desired investment portfolio. They can assist in designing, creating and analyzing a tax efficient advisory solution for tax sensitive clients.
Online Tools And Features Available To You
Morgan Stanley strives to ensure it serves clients on its technology platforms that are resilient, safe, efficient and smart. As part of our services, these resources are readily available to all of our clients. Learn more about each tool and feature to see how it can easily help you manage and secure your financial journey.
Morgan Stanley Online
Seamlessly and securely manage your investments and everyday finances in one place with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Login or Sign Up Today
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.
Visit the Security Center
Financial Management Tools
Managing multiple financial accounts across different firms can be complicated. With Morgan Stanley Online, you can link your non-Morgan Stanley accounts and analyze your cash flow all in one place.
Learn More
Digital Vault
Digital Vault lets you easily and conveniently manage and share life's most important documents, such as financial statements, authorizations, tax filings, and other relevant files.
Learn More
Portfolio Risk Platform
Portfolio Risk Platform - Powered by aladdin is a risk management platform that provides comprehensive risk estimations and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
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eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient and secure.
Enroll TodayAWARD-WINNING WEALTH MANAGEMENT. FOCUSED ON YOU.
With the guidance of a Morgan Stanley Financial Advisor and the strength of a five-time award-winning wealth management platform<sup> <a href="#wm-disclosure-1" class="Link--underline"> <span class="sr-only">Footnote</span> 1 </a> </sup>, you can build, preserve, and manage your wealth with precision and purpose. For every stage of your financial journey.
Tax-Smart Solutions
Leading tax optimization capabilities\<sup\> \<a href="#wm\-disclosure\-2" class="Link\-\-underline"\> \<span class="sr\-only"\>Footnote\</span\> 2 \</a\> \</sup\> designed to deliver year\-round tax management with an eye toward reducing taxes and boosting after\-tax returns.
Seamless Cash Management Integration
A comprehensive, coordinated strategy with access to competitive yields, flexible financing options, and exclusive cash management resources.
Premier Risk Management and Cyber Defense
Industry\-acclaimed risk management tools\<sup\> \<a href="#wm\-disclosure\-3" class="Link\-\-underline"\> \<span class="sr\-only"\>Footnote\</span\> 3 \</a\> \</sup\> to help drive smarter portfolio decisions. In\-house team of cybersecurity experts dedicated to help protect you from cyber threats.
Personalized Legacy Planning
Guidance from experienced professionals across estate, trust, philanthropy, and financial planning to help preserve and grow your legacy.
An Industry-Leading Platform
Expert insights from 500+ equity analysts to help unlock your portfolio's potential and investment guidance.
Liquidity When You Need It
Industry\-leading securities\-based lending solutions to help access liquidity without selling assets or disrupting your investment strategy.\<sup\> \<a href="#wm\-disclosure\-4" class="Link\-\-underline"\> \<span class="sr\-only"\>Footnote\</span\> 4 \</a\> \</sup\>
Robust Concentrated Stock Solutions
Powerful tools and strategies to help manage concentrated stock positions and look to optimize portfolio outcomes.
Alternatives & Private Markets Access
A comprehensive alternative investments platform offering tailored solutions, early access to select offerings, and competitive pricing structures. Exclusive private market and pre\-IPO opportunities that were previously reserved for institutions.
Location
2398 E Camelback Rd
Suite 800
Phoenix, AZ 85016
US
Direct:
(602) 954-5720(602) 954-5720
Toll-Free:
(888) 477-2876(888) 477-2876
Meet Spectrum Group
Tyson Kelley, CFP®
Executive Director, Wealth Management, Financial Advisor, Senior Institutional Consultant, Senior Investment Management Consultant, Senior Portfolio Management Director, Lending Specialist
Phone:
(602) 954-5702(602) 954-5702
Taylor Jeffers
Financial Advisor, Financial Planning Specialist
Phone:
(602) 954-5786(602) 954-5786
Trish Tallini
Portfolio Associate
Phone:
(602) 954-5712(602) 954-5712
Dana Unverferth
Portfolio Associate
Phone:
(602) 954-5750(602) 954-5750
Brandon Clemente
Registered Client Service Associate
Phone:
(602) 954-5776(602) 954-5776
About James Cooper
My career in wealth management is deeply rooted in my passion for helping fulfill Client’s goals. This stems from my own experiences growing up with family financial struggles and the impact this has on the family at large. I vowed to help prevent families from facing the uncertainty that I did.
I understand the importance of securing a legacy for yourself, your family and for future generations and I’m committed to guiding clients in this critical aspect. My experience in Intergenerational Wealth Management contributes to my belief in assisting families with these complex wealth dynamics.
My commitment to clients lies in the adherence to a Client Experience Model providing a “level of confidence” and helping to maintain your lifestyle or “Preservation of Wealth” and planning your legacy -- my dedication to making these a reality is my daily drive.
My core values are rooted in my Military Background. With 20 years of service to my country as US Army Ranger, Infantry Officer, and a decorated combat veteran, has given me the basis for my life’s ethos: My unwavering commitment to Integrity and Confidence -- which forms the foundation of my career in wealth management.
My desire to promote financial awareness and wellbeing among my clients and their families is also a driving commitment for a better community. My passion for service extends beyond my career, and I actively engage in community service, “Vets helping Vets”, “12 Step Life Recovery Programs” and an active member in my church. As a Veteran dealing with my own life challenges, I have a desire and dedication to make a positive impact on people's lives, both inside and outside of my professional role. "Why Do I do this" and “What Value do I add” all revolve around helping people achieve their goals, guiding family wealth management, upholding integrity, and confidence, and contributing to our community. I believe these qualities enable me to be a wealth manager who genuinely cares about the well-being of my clients and our broader community.
I understand the importance of securing a legacy for yourself, your family and for future generations and I’m committed to guiding clients in this critical aspect. My experience in Intergenerational Wealth Management contributes to my belief in assisting families with these complex wealth dynamics.
My commitment to clients lies in the adherence to a Client Experience Model providing a “level of confidence” and helping to maintain your lifestyle or “Preservation of Wealth” and planning your legacy -- my dedication to making these a reality is my daily drive.
My core values are rooted in my Military Background. With 20 years of service to my country as US Army Ranger, Infantry Officer, and a decorated combat veteran, has given me the basis for my life’s ethos: My unwavering commitment to Integrity and Confidence -- which forms the foundation of my career in wealth management.
My desire to promote financial awareness and wellbeing among my clients and their families is also a driving commitment for a better community. My passion for service extends beyond my career, and I actively engage in community service, “Vets helping Vets”, “12 Step Life Recovery Programs” and an active member in my church. As a Veteran dealing with my own life challenges, I have a desire and dedication to make a positive impact on people's lives, both inside and outside of my professional role. "Why Do I do this" and “What Value do I add” all revolve around helping people achieve their goals, guiding family wealth management, upholding integrity, and confidence, and contributing to our community. I believe these qualities enable me to be a wealth manager who genuinely cares about the well-being of my clients and our broader community.
Securities Agent: TX, NC, GA, UT, OR, MN, FL, WI, SD, NV, MA, LA, KS, IN, DC, NY, WA, MO, ID, NE, MI, AZ, OH, NM, NJ, MT, WY, VA, OK, KY, IL, CO, CA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255760
CA Insurance License #: 0B36962
NMLS#: 1255760
CA Insurance License #: 0B36962
About Tyson Kelley
Tyson Kelley is a highly dedicated and experienced financial advisor who has spent the past 25 years working with Morgan Stanley. Throughout his career, he has demonstrated an unwavering commitment to assisting native American Nations and Tribal leadership in their pursuit of self-determination. With a passion for his craft, Tyson has played a pivotal role in supporting Tribes with a critical understanding of Tribal sovereignty.
Early in his career, Tyson developed a deep appreciation for the rich, cultural heritage and unique challenges faced by Native American communities. His background instilled in him a sense of empathy, respect, and a desire to make a positive impact on the lives of indigenous peoples. Over his 25-year career, Tyson has established himself as a trusted and knowledgeable financial advisor. His experience in financial planning, investment strategies, and wealth management has allowed him to build strong relationships with clients from various backgrounds. However, it was his passion for working with Native American Tribes that truly sets him apart. Recognizing the unique challenges faced by Native American tribes, Tyson made a conscious decision to dedicate his career to assisting these communities in their pursuit of self-determination. He understands that financial stability and economic empowerment are crucial components of Tribal sovereignty. Over the years, Tyson has worked closely with Tribal leaders, providing them with comprehensive financial guidance tailored to their specific needs. He has helped Tribes navigate complex financial landscapes, develop sustainable economic strategies and make informed investment decisions. By fostering, long-term relationships built on trust and understanding, Tyson has become an invaluable resource for Tribes, seeking to secure their financial future.
One of the defining aspects of Tyson's career has been his ability to adapt to the ever-changing landscape of Tribal leadership. Tyson remains a constant presence, offering continuity and stability in financial matters and Tribal strategies. He understands the importance of building relationships with new leaders, ensuring a smooth transition, and continued progress towards self-determination. What truly drives Tyson passion is witnessing the positive impact his work has on Native American communities. By empowering Tribes to take control of their financial destiny, Tyson has witnessed firsthand the transformative effects on education, healthcare infrastructure and cultural preservation. His commitment to fostering economic growth, and self-sufficiency has helped Tribes thrive and preserve their unique heritage for future generations. Tyson’s unwavering dedication to assisting Native American Nations and Tribal leadership in their pursuit of self-determination, has made him a respected and trusted financial advisor. Through his career at Morgan Stanley, he has played a vital role in empowering tribes, fostering economic growth, and helping ensure a prosperous future for indigenous communities.
Early in his career, Tyson developed a deep appreciation for the rich, cultural heritage and unique challenges faced by Native American communities. His background instilled in him a sense of empathy, respect, and a desire to make a positive impact on the lives of indigenous peoples. Over his 25-year career, Tyson has established himself as a trusted and knowledgeable financial advisor. His experience in financial planning, investment strategies, and wealth management has allowed him to build strong relationships with clients from various backgrounds. However, it was his passion for working with Native American Tribes that truly sets him apart. Recognizing the unique challenges faced by Native American tribes, Tyson made a conscious decision to dedicate his career to assisting these communities in their pursuit of self-determination. He understands that financial stability and economic empowerment are crucial components of Tribal sovereignty. Over the years, Tyson has worked closely with Tribal leaders, providing them with comprehensive financial guidance tailored to their specific needs. He has helped Tribes navigate complex financial landscapes, develop sustainable economic strategies and make informed investment decisions. By fostering, long-term relationships built on trust and understanding, Tyson has become an invaluable resource for Tribes, seeking to secure their financial future.
One of the defining aspects of Tyson's career has been his ability to adapt to the ever-changing landscape of Tribal leadership. Tyson remains a constant presence, offering continuity and stability in financial matters and Tribal strategies. He understands the importance of building relationships with new leaders, ensuring a smooth transition, and continued progress towards self-determination. What truly drives Tyson passion is witnessing the positive impact his work has on Native American communities. By empowering Tribes to take control of their financial destiny, Tyson has witnessed firsthand the transformative effects on education, healthcare infrastructure and cultural preservation. His commitment to fostering economic growth, and self-sufficiency has helped Tribes thrive and preserve their unique heritage for future generations. Tyson’s unwavering dedication to assisting Native American Nations and Tribal leadership in their pursuit of self-determination, has made him a respected and trusted financial advisor. Through his career at Morgan Stanley, he has played a vital role in empowering tribes, fostering economic growth, and helping ensure a prosperous future for indigenous communities.
Securities Agent: MA, NC, DC, OR, UT, NV, NE, MO, MI, WI, NM, LA, KY, ID, GA, AZ, SD, OK, NJ, MN, WY, CA, OH, IN, MT, FL, CO, WA, TX, NY, KS, IL, AK, VA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1264969
CA Insurance License #: 0E77670
NMLS#: 1264969
CA Insurance License #: 0E77670
About Taylor Jeffers
I am a dedicated financial advisor driven by a set of unwavering values that guide my work. The foundation of values that underpins every interaction and decision that I make is built through pillars of integrity, loyalty, determination, staying true to myself, and having a commitment to doing the right thing. Rooted in these values, my core beliefs reflect a passion for education and financial literacy within our community. I believe in delivering a world-class client service experience, and I am committed to continuous personal growth, always striving to surpass the person I was yesterday.
My mission is to empower my clients with the knowledge and insights needed to make informed financial decisions that align with their financial goals. By fostering a deep understanding of their unique circumstances and goals, I aim to provide tailored strategies that help set them on the path to success. I’m dedicated to cultivating a relationship that goes beyond the numbers, instilling confidence and clarity in their financial journey.
My vision is to create a tangible impact in people’s financial lives. I aspire to alleviate the burdens of financial stress, allowing my clients to focus on the aspects of life that mean the most to them. Through my experience, guidance, and commitment to their well-being, I strive to empower them to achieve their financial aspirations and navigate life’s milestones with confidence.
In summary, I am a financial advisor who is guided by a strong set of values and beliefs. My mission is to provide exceptional client experiences and empower them through education, while my vision is to make a meaningful difference in people’s financial lives.
My mission is to empower my clients with the knowledge and insights needed to make informed financial decisions that align with their financial goals. By fostering a deep understanding of their unique circumstances and goals, I aim to provide tailored strategies that help set them on the path to success. I’m dedicated to cultivating a relationship that goes beyond the numbers, instilling confidence and clarity in their financial journey.
My vision is to create a tangible impact in people’s financial lives. I aspire to alleviate the burdens of financial stress, allowing my clients to focus on the aspects of life that mean the most to them. Through my experience, guidance, and commitment to their well-being, I strive to empower them to achieve their financial aspirations and navigate life’s milestones with confidence.
In summary, I am a financial advisor who is guided by a strong set of values and beliefs. My mission is to provide exceptional client experiences and empower them through education, while my vision is to make a meaningful difference in people’s financial lives.
Securities Agent: VA, KY, OH, NM, MI, CA, UT, NJ, CO, WA, OR, NE, NC, FL, MN, IL, DC, WY, MO, NV, LA, OK, ND, TX, NY, MT, KS, AZ, SD, MA, IN, ID, GA, AK, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 2414658
NMLS#: 2414658
About Trish Tallini
Trish Tallini is a Portfolio Associate with the Spectrum Group at Morgan Stanley. With over 20 years of experience in the financial services industry, she prides herself on the concierge-level customer service she and her team provide. Trish is often the first point of contact with clients on a broad array of services related to onboarding, account servicing, cash management & digital services. She cultivates and enhances new and existing client relationships through active communication, resolving inquiries, and providing guidance.
Trish, a fourth generation Montanan, was born and raised in Montana before relocating to Phoenix, Arizona. While helping clients is her primary job function by day, Trish’s favorite job is being mom to her son and daughter. She enjoys parenting and the hard work it requires to blend joy, love, and determination in shaping their lives and futures.
Trish, a fourth generation Montanan, was born and raised in Montana before relocating to Phoenix, Arizona. While helping clients is her primary job function by day, Trish’s favorite job is being mom to her son and daughter. She enjoys parenting and the hard work it requires to blend joy, love, and determination in shaping their lives and futures.
About Dana Unverferth
I was born in Minnesota, but Arizona became my home in 1977. In 1994 I was working at a Country Club in Tucson, AZ as the Director of their Child Care Center when the Branch Manager of Prudential Securities asked me if I would be interested in working for him as his Assistant as his current Assistant was moving. I did not know anything about the Financial Industry but was intrigued and wanted to branch out and see if this were something that I would like to do.
It was a really scary time for me because as of that time I did not even know what a stock or bond really was or how I was going to learn this whole new world which I knew nothing about. I decided that I would give it my best and would learn everything about this new industry. I acquired a lot of great Mentors along that way that really helped me get to where I am today.
During the first 10 years of my career, I wore many hats and tried many different positions and realized that I most enjoyed working with the Financial Advisors and their clients to make sure the clients felt more like family and not just another client. I have been in the industry ever since then and have never looked back with regret or wish I was doing anything else!
I am blessed to have become a member of the Spectrum Group at Morgan Stanley this year. The group to me is home and our clients are family.
It was a really scary time for me because as of that time I did not even know what a stock or bond really was or how I was going to learn this whole new world which I knew nothing about. I decided that I would give it my best and would learn everything about this new industry. I acquired a lot of great Mentors along that way that really helped me get to where I am today.
During the first 10 years of my career, I wore many hats and tried many different positions and realized that I most enjoyed working with the Financial Advisors and their clients to make sure the clients felt more like family and not just another client. I have been in the industry ever since then and have never looked back with regret or wish I was doing anything else!
I am blessed to have become a member of the Spectrum Group at Morgan Stanley this year. The group to me is home and our clients are family.
About Brandon Clemente
For over seven years, Brandon has been dedicated to providing individuals and families with comprehensive financial guidance, assisting them in navigating complex financial landscapes and achieving their aspirations.
Starting a career in insurance, Brandon gained a foundational understanding of risk management and protection strategies. This evolved into a dynamic role as a stockbroker, where experience was honed in market analysis and investment execution.
Today, as a wealth management professional, Brandon leverages this diverse experience to craft personalized financial planning, asset management, and long-term wealth strategies tailored to each client's unique needs.
Originally from California, Brandon moved to Arizona to pursue a Bachelor of Science degree in Finance from Northern Arizona University, and has built a career in the state, offering a unique blend of West Coast adaptability and local experience.
Beyond professional pursuits, Brandon is a firm believer in a balanced approach to life. Time away from the office is spent enjoying exercise and fitness, a passion shared with his wife and values spending time with her and their family. These personal interests underscore a disciplined approach and commitment to well-being, mirroring the dedication brought to guiding clients toward their financial health.
The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives.
Starting a career in insurance, Brandon gained a foundational understanding of risk management and protection strategies. This evolved into a dynamic role as a stockbroker, where experience was honed in market analysis and investment execution.
Today, as a wealth management professional, Brandon leverages this diverse experience to craft personalized financial planning, asset management, and long-term wealth strategies tailored to each client's unique needs.
Originally from California, Brandon moved to Arizona to pursue a Bachelor of Science degree in Finance from Northern Arizona University, and has built a career in the state, offering a unique blend of West Coast adaptability and local experience.
Beyond professional pursuits, Brandon is a firm believer in a balanced approach to life. Time away from the office is spent enjoying exercise and fitness, a passion shared with his wife and values spending time with her and their family. These personal interests underscore a disciplined approach and commitment to well-being, mirroring the dedication brought to guiding clients toward their financial health.
The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives.
Contact James Cooper
Contact Tyson Kelley
Contact Taylor Jeffers
Wealth Management
Global Investment Office
Portfolio Insights
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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
Iran Conflict: Seven Takeaways for Investors
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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 Spectrum Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
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.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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 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
6Morgan 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.
7Morgan 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.
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.
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 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.
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.
12Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
13When 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.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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
Please read the important disclosures below.
1) Morgan Stanley Wealth Management secured Money Management Institute/Barron’s Industry Awards for Wealth Manager Platform of the Year. The Wealth Manager Platform of the Year category recognizes a wealth manager platform that exemplifies innovation in delivering better outcomes for investors and Financial Advisors. This award has been secured in 2024, 2021, 2020, 2019 & 2018. The winners were selected by a specially appointed MMI Industry Awards Steering Council. The Steering Council consists of representatives from all segments of the MMI membership. After carefully reviewing the nominations submitted, the Steering Council determined a slate of finalists in each award category. The primary contacts at each of MMI’s 207 member firms were eligible to vote to determine the winners. Nominations were reviewed and evaluated to determine finalists June 2024 - July 2024. Finalists were voted on to determine a winner August 2024. MMI/Barron’s does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to MMI/Barron’s in exchange for its receipt of the award. Morgan Stanley is a member of MMI and pays a fee to MMI as part of its membership dues. Morgan Stanley’s receipt of this award is not indicative of any future performance. These awards were granted to Morgan Stanley based on the time period from October 2023 to June 2024. There were 6 firms considered for the Wealth Management Platform of the Year Award and 12 firms considered for the Distribution Excellence Award. The Money Management Institute (MMI) is the industry association representing financial services firms and Barron’s is a financial magazine; both groups are responsible for the award. Accolade qualifications for past years may vary; additional information available upon request.
2) Industry’s top tax-optimization technology refers to tax management capabilities developed by Eaton Vance and Parametric, affiliates of Morgan Stanley. Morgan Stanley is a leading provider of direct indexing strategies. According to Cerulli Associates’ Q1 2026 Managed Account Edition, Morgan Stanley ranked first among 15 firms in Direct Index SMA assets under management based on reported industry assets. The ranking reflects scale of assets and does not evaluate tax outcomes, performance, or quality of technology. Tax outcomes will vary and are not guaranteed.
3) The Celent Model Wealth Manager 2025 Awards for Data and Analytics and Essential and Emerging Technologies were granted to Morgan Stanley following an evaluation process conducted by Celent analysts. To be considered for this award, Morgan Stanley submitted Model Wealth Manager 2025 Nomination Award Worksheets to Celent on or about January 30, 2025. Celent judged each submission on three criteria: (1) Measurable business benefits of live initiatives; (2) degree of innovation relative to the industry; and (3) technology or implementation excellence. In order to win, the initiatives must demonstrate clear business benefits, innovation, and technology or implementation excellence. Celent does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to Celent in exchange for the award. Morgan Stanley is not affiliated with Celent. Based on their submission on January 30, 2025 for Celent’s 2025 Model Awards program, Celent granted Morgan Stanley their awards in June, 2025 and publicly shared the news in June, 2025. Celent is a global financial services research and advisory firm and is responsible for determining the recipient of this award.
4) Q4 2025 Securities Based Lending McLagan Survey – 6 Firm Report. Based on both Non-Purpose Lending and total SBL balances. Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss.
Not all products, tools, platforms, and services referenced are available to all clients. Please speak with your Financial Advisor for eligibility criteria.
Investing in securities involves risk, including possible loss of principal. Diversification does not guarantee a profit or protect against loss in a declining financial market.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.
Cash management and lending products and services are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures below.
Important Risk Information for Securities Based Lending: Clients must be aware that: (1) Sufficient collateral must be maintained to support the loan and to take future advances; (2) Clients may have to deposit additional cash or eligible securities on short notice; (3) Some or all of the pledged securities may be sold without prior notice in order to maintain account equity at required collateral maintenance levels. Clients will not be entitled to choose the securities that will be sold. These actions may interrupt long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as "Morgan Stanley") reserve the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase the collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason.
With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan.
Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
There is no guarantee that tax-loss harvesting will achieve any particular tax result. Clients may elect Tax Management Services for the account by notifying their Financial Advisor, and indicate what Maximum Tax or Realized Capital Gain Instruction is desired for the account, if any. The Tax Management Services Terms and Conditions attached to the Morgan Stanley Smith Barney LLC Select UMA ADV brochure as Exhibit A will govern Tax Management Services in the account. Review the Morgan Stanley Smith Barney LLC Select UMA ADV brochure carefully with your tax advisor.
Industry acclaimed risk platform refers to Morgan Stanley Smith Barney LLC’s (“Morgan Stanley”) Portfolio Risk Platform. The assumptions used in the Report incorporate portfolio risk and scenario analysis employed by BlackRock Solutions (“BRS”), a financial technology and risk analytics provider that is independent of Morgan Stanley. BRS’ role is limited to providing risk analytics to Morgan Stanley, and BRS is not acting as a broker-dealer or investment adviser nor does it provide investment advice with respect to the Report. Morgan Stanley has validated and adopted the analytical conclusions of these risk models. The analysis provided is illustrative only. Morgan Stanley cannot predict a portfolio’s risk of loss due to, among other things, changing market conditions or other unanticipated circumstances. The analysis is based purely on assumptions made using available data and any of its forecasts are subject to change.
The footnotes below apply to the industry-leading claims referenced above. More information is available upon request.
Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
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
Morgan 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 visit us at www.morganstanley.com/wealth or consult with your Morgan Stanley Financial Advisor to read about those differences.
The sole purpose of this material is to inform, and it in no way is intended to be an offer or solicitation to purchase or sell any security, other investment service, or to attract any funds or deposits. Investments mentioned may not be appropriate for all clients. Before making any investment, each investor should carefully consider the risks associated with the investment, as discussed in the applicable offering memorandum and make a determination based on their own particular circumstances that the investment is consistent with their investment objectives and risk tolerance.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
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.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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 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
6Morgan 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.
7Morgan 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.
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.
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 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.
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.
12Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
13When 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.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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
Please read the important disclosures below.
1) Morgan Stanley Wealth Management secured Money Management Institute/Barron’s Industry Awards for Wealth Manager Platform of the Year. The Wealth Manager Platform of the Year category recognizes a wealth manager platform that exemplifies innovation in delivering better outcomes for investors and Financial Advisors. This award has been secured in 2024, 2021, 2020, 2019 & 2018. The winners were selected by a specially appointed MMI Industry Awards Steering Council. The Steering Council consists of representatives from all segments of the MMI membership. After carefully reviewing the nominations submitted, the Steering Council determined a slate of finalists in each award category. The primary contacts at each of MMI’s 207 member firms were eligible to vote to determine the winners. Nominations were reviewed and evaluated to determine finalists June 2024 - July 2024. Finalists were voted on to determine a winner August 2024. MMI/Barron’s does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to MMI/Barron’s in exchange for its receipt of the award. Morgan Stanley is a member of MMI and pays a fee to MMI as part of its membership dues. Morgan Stanley’s receipt of this award is not indicative of any future performance. These awards were granted to Morgan Stanley based on the time period from October 2023 to June 2024. There were 6 firms considered for the Wealth Management Platform of the Year Award and 12 firms considered for the Distribution Excellence Award. The Money Management Institute (MMI) is the industry association representing financial services firms and Barron’s is a financial magazine; both groups are responsible for the award. Accolade qualifications for past years may vary; additional information available upon request.
2) Industry’s top tax-optimization technology refers to tax management capabilities developed by Eaton Vance and Parametric, affiliates of Morgan Stanley. Morgan Stanley is a leading provider of direct indexing strategies. According to Cerulli Associates’ Q1 2026 Managed Account Edition, Morgan Stanley ranked first among 15 firms in Direct Index SMA assets under management based on reported industry assets. The ranking reflects scale of assets and does not evaluate tax outcomes, performance, or quality of technology. Tax outcomes will vary and are not guaranteed.
3) The Celent Model Wealth Manager 2025 Awards for Data and Analytics and Essential and Emerging Technologies were granted to Morgan Stanley following an evaluation process conducted by Celent analysts. To be considered for this award, Morgan Stanley submitted Model Wealth Manager 2025 Nomination Award Worksheets to Celent on or about January 30, 2025. Celent judged each submission on three criteria: (1) Measurable business benefits of live initiatives; (2) degree of innovation relative to the industry; and (3) technology or implementation excellence. In order to win, the initiatives must demonstrate clear business benefits, innovation, and technology or implementation excellence. Celent does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to Celent in exchange for the award. Morgan Stanley is not affiliated with Celent. Based on their submission on January 30, 2025 for Celent’s 2025 Model Awards program, Celent granted Morgan Stanley their awards in June, 2025 and publicly shared the news in June, 2025. Celent is a global financial services research and advisory firm and is responsible for determining the recipient of this award.
4) Q4 2025 Securities Based Lending McLagan Survey – 6 Firm Report. Based on both Non-Purpose Lending and total SBL balances. Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss.
Not all products, tools, platforms, and services referenced are available to all clients. Please speak with your Financial Advisor for eligibility criteria.
Investing in securities involves risk, including possible loss of principal. Diversification does not guarantee a profit or protect against loss in a declining financial market.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.
Cash management and lending products and services are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures below.
Important Risk Information for Securities Based Lending: Clients must be aware that: (1) Sufficient collateral must be maintained to support the loan and to take future advances; (2) Clients may have to deposit additional cash or eligible securities on short notice; (3) Some or all of the pledged securities may be sold without prior notice in order to maintain account equity at required collateral maintenance levels. Clients will not be entitled to choose the securities that will be sold. These actions may interrupt long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as "Morgan Stanley") reserve the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase the collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason.
With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan.
Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
There is no guarantee that tax-loss harvesting will achieve any particular tax result. Clients may elect Tax Management Services for the account by notifying their Financial Advisor, and indicate what Maximum Tax or Realized Capital Gain Instruction is desired for the account, if any. The Tax Management Services Terms and Conditions attached to the Morgan Stanley Smith Barney LLC Select UMA ADV brochure as Exhibit A will govern Tax Management Services in the account. Review the Morgan Stanley Smith Barney LLC Select UMA ADV brochure carefully with your tax advisor.
Industry acclaimed risk platform refers to Morgan Stanley Smith Barney LLC’s (“Morgan Stanley”) Portfolio Risk Platform. The assumptions used in the Report incorporate portfolio risk and scenario analysis employed by BlackRock Solutions (“BRS”), a financial technology and risk analytics provider that is independent of Morgan Stanley. BRS’ role is limited to providing risk analytics to Morgan Stanley, and BRS is not acting as a broker-dealer or investment adviser nor does it provide investment advice with respect to the Report. Morgan Stanley has validated and adopted the analytical conclusions of these risk models. The analysis provided is illustrative only. Morgan Stanley cannot predict a portfolio’s risk of loss due to, among other things, changing market conditions or other unanticipated circumstances. The analysis is based purely on assumptions made using available data and any of its forecasts are subject to change.
The footnotes below apply to the industry-leading claims referenced above. More information is available upon request.
Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
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
Morgan 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 visit us at www.morganstanley.com/wealth or consult with your Morgan Stanley Financial Advisor to read about those differences.
The sole purpose of this material is to inform, and it in no way is intended to be an offer or solicitation to purchase or sell any security, other investment service, or to attract any funds or deposits. Investments mentioned may not be appropriate for all clients. Before making any investment, each investor should carefully consider the risks associated with the investment, as discussed in the applicable offering memorandum and make a determination based on their own particular circumstances that the investment is consistent with their investment objectives and risk tolerance.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 4665150 (8/2025), 5378280 (5/2026)
