Terry Surrency
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(904) 632-0224(904) 632-0224
Industry Award WinnerOur Mission Statement
Providing personalized wealth management advice—backed by experience, research-driven insights, and dedicated service—to help you plan for and achieve your life goals.
Our Story and Services
The SPF Wealth Management Group brings together financial professionals with decades of industry experience to better service their clients. With each team member specializing in a different niche of financial advisory, The SPF Wealth Management Group can help plan for clients’ complex financial goals. Whether it is planning for retirement, financing a large purchase, contributing to a child or grandchild’s higher education, estate planning, or more, the team can help you along every step of the process.
With industry leading resources at their disposal, The SPF Wealth Management Group is committed to ensuring you are content with your financial situation. Outside of the office, the team is heavily involved in the North Florida community, supporting causes such as Rethreaded Inc., the Meninak Club of Jacksonville, the American Heart Association, St John’s County Port of the Storm, and more. The team is dedicated to leaving a positive impact not just on the clients they serve but also the community they live and work in.
With industry leading resources at their disposal, The SPF Wealth Management Group is committed to ensuring you are content with your financial situation. Outside of the office, the team is heavily involved in the North Florida community, supporting causes such as Rethreaded Inc., the Meninak Club of Jacksonville, the American Heart Association, St John’s County Port of the Storm, and more. The team is dedicated to leaving a positive impact not just on the clients they serve but also the community they live and work in.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
Our process is centered around client service, and we pride ourselves on client satisfaction. By utilizing a 4-step process, we ensure that all bases are met, and you are content with the solutions provided. Our 4-step process involves discovery, creation, presentation and implementation, and continued service.
Discovery
In our first meeting, we will gather all the necessary information and data to compile a comprehensive investment and financial plan for your future. When applicable, we will meet with any attorneys and accountants to ensure we have all the information necessary.
Creation
By listing all your financial goals, assets, and liabilities, we create a comprehensive financial picture for your future. Based on the information available to us, we compile investment recommendations and financial solutions necessary to achieve your goals in the timeframe you have set out.
Implementation
During this meeting, we present to you the comprehensive financial plan that we have created. Additionally, we will ensure that you are happy with the plan we that was created and the steps necessary to achieve your goals.
Continued Service
As one of our fundamental beliefs, we are committed to ensuring that you are happy with your financial standing. We ensure every client is called at a minimum of once a quarter. Investment reviews occur biannually, and a financial review takes place once a year. Outside of these meetings, we are a phone call away at any time, and are happy to discuss anything that comes to mind.
Typical Clients
Our clients come from a variety of different backgrounds and professions; however, they all share a common goal: the desire to simplify their finances and develop a comprehensive strategy to preserve and grow their wealth as well as achieving all their financial goals. Whether you would like to optimize investment performance, plan for a major purchase, create a succession plan for your wealth, or retire comfortably, we are here to help you every step of the way.
Investor Resources
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Here are the federal tax tables for 2026 along with other useful information
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MS Reserved
Clients with $1million+ in assets and liabilities are eligible to enroll in Morgan Stanley's Reserved Living & Giving program. E*TRADE Platinum and Private Clients may also be eligible to enroll in the Reserved Living & Giving program. Members will have access to exclusive partner offers and discounts, in addition to a variety of leadership content ranging from lifestyle to personal finance topics.
Learn more about MS ReservedLocation
50 N Laura St
Suite 2000
Jacksonville, FL 32202
US
Direct:
(904) 632-0224(904) 632-0224
Meet SPF Wealth Management Group
Diana Fanning
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(904) 632-0225(904) 632-0225
Brian Mojica
Financial Advisor
Phone:
(904) 632-0227(904) 632-0227
Phone:
(904) 632-0217(904) 632-0217
Sharmaine Shaffer
Client Service Associate
Christianna-Fe Villaraza
Phone:
(904) 632-0245(904) 632-0245
About Me
Terry Surrency is a Financial Advisor and member of the SPF Wealth Management Group at Morgan Stanley. Growing up, Terry knew he always wanted to make a positive impact on those he came across. During his time at University of Central Florida pursuing a degree in finance and business administration, Terry became fascinated with the concept of compounding interest and the value it holds. Working in the customer service industry, coupled with an acquired love of investing, Terry decided to pursue a career as a Financial Advisor.
Terry works diligently to understand his clients’ goals and objectives to create a unique, tailored plan to achieve those goals. Based on the individual needs of the client, Terry and his team will design an investment portfolio to meet the client’s risk tolerance and achieve the goals set out in the financial plan.
Outside of the office, Terry and his wife, Mya, are avid golfers and enjoy traveling. Additionally, Terry is an active member of the Jacksonville community, volunteering his time with the American Heart Association, St John’s County Port of the Storm, and the Kiwanis group of Fernandina Beach.
Terry works diligently to understand his clients’ goals and objectives to create a unique, tailored plan to achieve those goals. Based on the individual needs of the client, Terry and his team will design an investment portfolio to meet the client’s risk tolerance and achieve the goals set out in the financial plan.
Outside of the office, Terry and his wife, Mya, are avid golfers and enjoy traveling. Additionally, Terry is an active member of the Jacksonville community, volunteering his time with the American Heart Association, St John’s County Port of the Storm, and the Kiwanis group of Fernandina Beach.
Securities Agent: MD, TN, NY, TX, OR, NM, LA, DC, AZ, WA, NH, CT, MI, GA, NV, NJ, CO, WY, SC, CA, MA, IL, WI, UT, PA, NC, FL, VA, OK, ME; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 813067
NMLS#: 813067
About Me
Diana Fanning is a financial advisor who works with clients to create and implement all-inclusive wealth management strategies to help clients preserve and grow their wealth. She has built her reputation on providing personalized and holistic financial planning services to her clients. Diana's passion for finance and her dedication to her clients, community, and personal interests make her a well-rounded financial advisor who is committed to helping her clients achieve their financial goals.
In her free time, Diana enjoys boating and traveling to the mountains. She also enjoys spending her weekends at Vilano Beach. Diana is actively involved in her community and belongs to the Meninak Club of Jacksonville and the Uptown Civitan Club. She is dedicated to giving back to her community and making a positive impact.
In her free time, Diana enjoys boating and traveling to the mountains. She also enjoys spending her weekends at Vilano Beach. Diana is actively involved in her community and belongs to the Meninak Club of Jacksonville and the Uptown Civitan Club. She is dedicated to giving back to her community and making a positive impact.
Securities Agent: NC, GA, PA, ME, IL, WA, MI, OK, NJ, LA, TX, TN, NV, MD, CT, CO, NH, AZ, SC, NY, MA, OR, NM, DC, UT, CA, VA, FL, WY, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 521799
NMLS#: 521799
About Me
Brian Mojica is a Financial Advisor and a member of the SPF Wealth Management Group at Morgan Stanley. While studying at the University of North Florida, Brian became fascinated by the stock market and the meaningful ways it can impact individuals’ lives, an interest that ultimately shaped his decision to pursue a career in wealth management.
As a Financial Advisor, Brian works with individuals and families to help them clarify what matters most, translate goals into a financial strategy, and stay focused through changing markets and life events. He partners with clients to build and refine personalized plans that may include investment management, retirement planning, education funding, and risk management, helping clients make informed decisions with greater confidence and long-term perspective.
Before entering the financial services industry, Brian built his foundation in the service industry, where he learned the importance of responsiveness, attention to detail, and delivering a high-quality client experience. Principles he brings to every client relationship today.
Outside of the office, Brian enjoys playing golf and traveling with his wife, Arielle. He is also a new parent to his son, Aiden, and is navigating and appreciating this exciting season of life. Brian is actively involved in the Jacksonville community through Leadership Jacksonville, the JAX Chamber, and the University of North Florida Alumni Association.
As a Financial Advisor, Brian works with individuals and families to help them clarify what matters most, translate goals into a financial strategy, and stay focused through changing markets and life events. He partners with clients to build and refine personalized plans that may include investment management, retirement planning, education funding, and risk management, helping clients make informed decisions with greater confidence and long-term perspective.
Before entering the financial services industry, Brian built his foundation in the service industry, where he learned the importance of responsiveness, attention to detail, and delivering a high-quality client experience. Principles he brings to every client relationship today.
Outside of the office, Brian enjoys playing golf and traveling with his wife, Arielle. He is also a new parent to his son, Aiden, and is navigating and appreciating this exciting season of life. Brian is actively involved in the Jacksonville community through Leadership Jacksonville, the JAX Chamber, and the University of North Florida Alumni Association.
Securities Agent: IN, NY, MI, DE, CT, WI, UT, OR, VA, NM, ME, LA, IL, TX, SC, NJ, GA, WY, OH, NH, FL, CA, TN, OK, MD, DC, CO, MS, AZ, WA, PA, NV, NC, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 2691009
NMLS#: 2691009
About Nathan B. Damron
As a Financial Advisor and a CERTIFIED FINANCIAL PLANNER™ Professional at Morgan Stanley, I provide wealth management solutions to successful families, business owners and professionals.
I believe clients are best served when their financial needs are viewed in the context of their entire life. Taking a holistic approach, my goal is to support the various needs of my clients as they transition through different lifestyle phases.
Working closely with you, we will develop an investment strategy focused clearly on your objectives- one that reflects your lifestyle expectations, cash flow needs, risk tolerance and aspirations for your family. From there, we will help you build a portfolio informed by the resources and insight available from Morgan Stanley, one of the world’s largest financial firms.
When you look at wealth management from a long-term perspective, one thing becomes clear: It’s your future, not just your money. Over time, we can help you navigate the noise and distractions of challenging markets, providing a disciplined sense of focus on what’s most important- your progress toward your goals.
I believe clients are best served when their financial needs are viewed in the context of their entire life. Taking a holistic approach, my goal is to support the various needs of my clients as they transition through different lifestyle phases.
Working closely with you, we will develop an investment strategy focused clearly on your objectives- one that reflects your lifestyle expectations, cash flow needs, risk tolerance and aspirations for your family. From there, we will help you build a portfolio informed by the resources and insight available from Morgan Stanley, one of the world’s largest financial firms.
When you look at wealth management from a long-term perspective, one thing becomes clear: It’s your future, not just your money. Over time, we can help you navigate the noise and distractions of challenging markets, providing a disciplined sense of focus on what’s most important- your progress toward your goals.
Securities Agent: MA, WY, OR, DC, NJ, MI, LA, CT, VA, TN, NY, NV, NM, WA, OK, ME, MD, CO, UT, SC, PA, FL, WI, CA, TX, NC, IL, GA, AZ, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 1849110
NMLS#: 1849110
About Sharmaine Shaffer
Sharmaine Shaffer is Client Services Associate for The SPF Wealth Management Group who recently began her career in the industry in 2021. With her passion for finance and dedication to clients Sharmaine is well-suited for a successful career in the wealth management industry. Her attention to detail, friendly demeanor, and willingness to go the extra mile makes her a valuable asset to the team.
As a Client Services Associate, Sharmaine is responsible for ensuring that all her clients' needs are met in a timely and professional manner, which includes providing support to clients and managing their accounts. She has been praised for her ability to understand the unique needs of each client and delivering tailored service to fulfill all requests that are brought to her attention.
In her free time, Sharmaine enjoys trying new restaurants in Jacksonville. She is always on the lookout for new and exciting dining experiences and is known for her adventurous palate. She also enjoys working out and spending time with her pets.
As a Client Services Associate, Sharmaine is responsible for ensuring that all her clients' needs are met in a timely and professional manner, which includes providing support to clients and managing their accounts. She has been praised for her ability to understand the unique needs of each client and delivering tailored service to fulfill all requests that are brought to her attention.
In her free time, Sharmaine enjoys trying new restaurants in Jacksonville. She is always on the lookout for new and exciting dining experiences and is known for her adventurous palate. She also enjoys working out and spending time with her pets.
Contact Terry Surrency
Contact Diana Fanning
Contact Brian Mojica
Contact Nathan B. Damron
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams Source: Forbes (Awarded Jan 2026) Data compiled by SHOOK Research LLC based for the period 3/31/24-3/31/25.
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
Robert Mickler
Private Banker
About Robert Mickler
Robert Mickler is a Private Banker serving Morgan Stanley Wealth Management offices in Florida and Georgia.
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.
Robert began his career in financial services in 1991, and joined Morgan Stanley in 2014. Prior to joining the firm, he held several positions with Merrill Lynch, most recently as a Resident Manager and Wealth Management Banker in the Global Wealth Management organization.
Robert is a graduate of Villanova University, where he received a Bachelor of Science in Finance. He lives in Jacksonville, Florida with his wife and family. Outside of the office, enjoys playing golf, reading, 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.
Robert began his career in financial services in 1991, and joined Morgan Stanley in 2014. Prior to joining the firm, he held several positions with Merrill Lynch, most recently as a Resident Manager and Wealth Management Banker in the Global Wealth Management organization.
Robert is a graduate of Villanova University, where he received a Bachelor of Science in Finance. He lives in Jacksonville, Florida with his wife and family. Outside of the office, enjoys playing golf, reading, and traveling.
NMLS#: 863115
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
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 consult with your Financial Advisor to understand these differences.
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.
When 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.
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
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 consult with your Financial Advisor to understand these differences.
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.
When 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.
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Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
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A Simple Six-Step Retirement Checkup
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Working closely with you to guide your wealth and investments through the most challenging market cycles.
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Creating customized financial strategies for the challenges that today’s families face.
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529 Plans: A Powerful Tool to Save for Education
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
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- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact SPF Wealth Management 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.
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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“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.
5Alternative 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.
6Insurance 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
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.
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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“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.
5Alternative 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.
6Insurance 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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
