Patrick Morgan, CFP®
Executive Director, Wealth Management, Financial Advisor, Family Wealth Director, CERTIFIED FINANCIAL PLANNER®
Phone:
(205) 968-6912(205) 968-6912
SteelCrest Wealth Management Group at Morgan Stanley
Our Mission Statement
To be a blessing in the lives of our clients as we help them make the most of their resources.
Who We Are
SteelCrest Wealth Management is a team of experienced and dedicated professionals committed to providing comprehensive financial advice to individuals and families. We focus on simplifying the complexity of wealth planning and investment management. Our clients can expect clear and consistent communication, thoughtful and diligent planning, and a willingness to understand and adapt to an ever-changing world.
SteelCrest Wealth Management Values
- Lead Optimistically
- Do the Right Thing
- Communicate to Connect
- Be Nimble
- Be a Blessing
Services Include
- Financial PlanningFootnote1
- Wealth PlanningFootnote2
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Business Succession PlanningFootnote5
- 401(k) Rollovers
- Lending Products
- Trust AccountsFootnote6
- Professional Portfolio ManagementFootnote7
- Donor Advised Funds
- Life InsuranceFootnote8
- Long Term Care InsuranceFootnote9
- Alternative InvestmentsFootnote10
- Philanthropic ManagementFootnote11
- Planning for Education FundingFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Firm Events
American Exceptionalism: The Great Rebalancing
On Monday, September 8th, join Morgan Stanley Wealth Management's Chief Investment Officer Lisa Shalett in a conversation with Morgan Stanley Investment Management's Head of Consilient Research for Counterpoint Global Michael Mauboussin as they explore whether the period of American Exceptionalism is coming to an end and discuss key considerations for investors, including:
- The potential impact of elevated federal debt and deficits and structural imbalances in wealth/income inequality on economic growth and inflation
- Key sector trends contributing to the Great Rebalancing, including tech and energy
- The rising importance of an actively managed, diversified portfolio with exposure to global and value-oriented securities
Wealth Education for the Next Generation
Morgan Stanley presents the Wealth Education for the Next Generation seires aimed at educating the next generation about the world of finance and wealth education. Hosted by Caroline Gundeck, Head of UHNW Client and Field Engagement and Charline Burgess, Senior Wealth Education Specialist, you will learn about financial concepts, investing, and money management in a fun and interactive way.
Watch replays of the previous webinars at the link below!
Digital Resources
Our comprehensive suite of digital tools offered through Morgan Stanley Online are designed to help you manage your complete financial picture with efficiency and ease. Below are a few tools our clients enjoy that are also instrumental in creating and updating your personal financial plan.
Morgan Stanley Online
Morgan Stanley Online (MSO) offers a suite of features that give you the ability to seamlessly and securely manage your investments and everyday finances in one place. The MSO Mobile App allows you to effortlessly manage your finances 24/7.
Morgan Stanley Online
Pay, Transfer + Budget
Under the Pay, Transfer + Budget tab on MSO, you can link external bank accounts and credit cards to monitor your spending through the Spending and Budgeting tool. You can also link external accounts for cash transfers, initiate transfers, and pay your bills directly from your account.
Initiating Online TransfersAwards
Forbes Best-In-State Wealth Management Teams 2025
The Forbes Best-In-State Wealth Management Teams list was compiled by SHOOK Research, which uses quantitative and qualitative data, including interviews, to rank teams.
SteelCrest Wealth Management Group received this in January 2025
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based on time period from 3/31/23-3/31/24.
SteelCrest Wealth Management Group received this in January 2025
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based on time period from 3/31/23-3/31/24.
Forbes Best-In-State Wealth Advisors
Forbes’ Best-in-State Wealth Advisors list comprises a select group of individuals who have a minimum of seven years of industry experience. The ranking, developed by Forbes’ partner SHOOK Research, is based on factors like revenue trends, AUM, compliance records, industry experience and more.
Our very own Bunker Medbery has been included in this ranking in 2024.
2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC for the period 6/30/22 - 6/30/23.
Our very own Bunker Medbery has been included in this ranking in 2024.
2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC for the period 6/30/22 - 6/30/23.
Forbes Best-In-State Wealth Management Teams 2024
The Forbes Best-In-State Wealth Management Teams list was compiled by SHOOK Research, which uses quantitative and qualitative data, including interviews, to rank teams.
SteelCrest Wealth Management Group received this in January 2024
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/23.
SteelCrest Wealth Management Group received this in January 2024
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/23.
Location
3500 Colonnade Parkway
Suite 200
Birmingham, AL 35243
US
Meet SteelCrest Wealth Management Group
Phone:
(205) 969-7006(205) 969-7006
First Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist, CERTIFIED FINANCIAL PLANNER®, Qualified Plan Financial Consultant
Phone:
(205) 968-6910(205) 968-6910
Zachary P. Turnage, CFA
First Vice President, Wealth Management, Financial Advisor, Portfolio Manager
Phone:
(205) 968-6936(205) 968-6936
Caroline Yeilding, CFP®
Financial Advisor, Financial Planning Specialist
Phone:
(205) 969-7041(205) 969-7041
Bridget Buckley, Financial Planning Specialist*
Portfolio Associate
Phone:
(205) 968-6911(205) 968-6911
Darlene Beck
Senior Registered Client Service Associate
Phone:
(205) 969-7059(205) 969-7059
Jackson English, Financial Planning Specialist*
Registered Client Service Associate
Phone:
(205) 968-6909(205) 968-6909
About Patrick Morgan
While serving as a punter for the University of Alabama, one of my key focus areas was hang time. Today, as a Family Wealth Director at Morgan Stanley, the idea isn’t that much different: Create as big an opportunity as possible for my teammates (clients) to win, regardless of the challenges we face.
I am a Certified Financial Planner™ with more than 20 years’ experience in investment management, retirement and income planning, as well as helping clients create multi-generational legacies. My Family Wealth Director designation means I have the ability and resources to manage complicated financial situations and provide highly confident outcomes with clarity and wisdom.
This year I’m also using those skills as President of the 1st & Ten Club of Alabama, a forty-year-old organization that helps student-athletes prepare for and transition to post-athletic careers. My wife Beth Ann and I are the proud parents of two daughters who both love to dance.
I am a Certified Financial Planner™ with more than 20 years’ experience in investment management, retirement and income planning, as well as helping clients create multi-generational legacies. My Family Wealth Director designation means I have the ability and resources to manage complicated financial situations and provide highly confident outcomes with clarity and wisdom.
This year I’m also using those skills as President of the 1st & Ten Club of Alabama, a forty-year-old organization that helps student-athletes prepare for and transition to post-athletic careers. My wife Beth Ann and I are the proud parents of two daughters who both love to dance.
Securities Agent: NY, MD, CO, CA, MI, GA, OH, LA, KS, IN, IL, TN, SC, MA, AL, WV, WI, MS, ID, DC, WA, NJ, MO, FL, CT, AR, VT, VA, TX, OR, OK, NH, AZ, NC, DE, PA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279035
NMLS#: 1279035
About Bunker Medbery
Forbes Magazine has recognized me as one of America’s Best-in-State Wealth Advisors, and Morgan Stanley has appointed me as one of their Senior Portfolio Management Directors. Mindful of your risk tolerances, I help you by personally managing your assets with the aim of growing value and generating income.
Recently the University of Tennessee awarded me with their Accomplished Alumni designation. Both inside and outside the office I have a history of encouraging and mentoring women who are seeking non-traditional roles. My mom gets credit for that.
I am married to Treva Medbery, a retired university professor, and together we are parents of four adult children and nine(!) grandchildren.
I am grateful to be part of a group that is excited about coming to work every day.
NMLS#: 1297986
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Forbes Best-In- State Wealth Advisors
Forbes.com (March 2025, March 2024, February 2019, and February 2018). Data compiled by SHOOK Research LLC based on 12-month time period concluding in June of year prior to the issuance of the award.
Recently the University of Tennessee awarded me with their Accomplished Alumni designation. Both inside and outside the office I have a history of encouraging and mentoring women who are seeking non-traditional roles. My mom gets credit for that.
I am married to Treva Medbery, a retired university professor, and together we are parents of four adult children and nine(!) grandchildren.
I am grateful to be part of a group that is excited about coming to work every day.
NMLS#: 1297986
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Forbes Best-In- State Wealth Advisors
Forbes.com (March 2025, March 2024, February 2019, and February 2018). Data compiled by SHOOK Research LLC based on 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: WA, TN, DC, AR, NJ, NH, MS, OH, PA, AK, OK, CT, VA, NC, IL, DE, WV, OR, MO, MI, MA, IN, FL, AZ, AL, TX, NY, LA, VT, MD, KS, CO, SC, KY, CA, GA, WI; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1297986
NMLS#: 1297986
About Liucija Smaizyte Wright
At the age of 16, I was ranked the number one tennis player in Lithuania and had already represented my home country in the 2007 Summer Youth Olympics. Later at the University of Montevallo, I received the NCAA Division II Athletic Director’s Academic Achievement Award while helping our tennis team reach the Peach Belt Conference Championship the first time in school history.
After growing up in a family that struggled financially, I developed a passion for helping others achieve financial well-being while enjoying the things they treasure most. Along with earning the CFP designation, I now have an MBA and help clients with retirement and estate planning, employee benefits, and investments.
I currently am president of Alabama Women in Business and serve on the junior board of GirlSpring. I also am multilingual, fluent in English, Russian, and Lithuanian. My husband Steven and I live in Vestavia Hills with our adopted dog Cooper.
After growing up in a family that struggled financially, I developed a passion for helping others achieve financial well-being while enjoying the things they treasure most. Along with earning the CFP designation, I now have an MBA and help clients with retirement and estate planning, employee benefits, and investments.
I currently am president of Alabama Women in Business and serve on the junior board of GirlSpring. I also am multilingual, fluent in English, Russian, and Lithuanian. My husband Steven and I live in Vestavia Hills with our adopted dog Cooper.
Securities Agent: PA, VT, VA, SC, OK, IL, NM, NC, MI, KY, IN, DE, WI, KS, OR, NY, MO, MN, MD, GA, CT, MS, MA, LA, WY, WV, AZ, AR, NJ, CO, WA, OH, FL, CA, NH, AL, TX, DC, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 1629341
NMLS#: 1629341
About Zachary P. Turnage
As the former Director of Research for the Harbert Value Fund and previously Portfolio Manager for the Retirement Systems of Alabama, I bring a disciplined approach to investment management. My 25 years of experience enable me to successfully develop and implement strategic plans for the unique circumstances and goals of our clients.
I currently chair the Samford University Brock School of Business’ Economics, Finance, and Quantitative Analysis Advisory Board and also am former president of the Chartered Financial Analyst (CFA) Society of Alabama.
My wife Katherine and I are members of Vestavia Hills Methodist Church and parents of a daughter in her junior year at Sewanee and a son in his junior year at Vestavia Hills High School.
I currently chair the Samford University Brock School of Business’ Economics, Finance, and Quantitative Analysis Advisory Board and also am former president of the Chartered Financial Analyst (CFA) Society of Alabama.
My wife Katherine and I are members of Vestavia Hills Methodist Church and parents of a daughter in her junior year at Sewanee and a son in his junior year at Vestavia Hills High School.
Securities Agent: FL, LA, TN, DC, CT, CA, AR, TX, NH, WA, PA, MS, MI, GA, NC, MO, MA, IN, VT, OH, NY, MD, SC, IL, WV, KS, DE, AZ, AL, WI, NJ, CO, VA, OR, OK; General Securities Representative; Investment Advisor Representative
NMLS#: 2187149
NMLS#: 2187149
About Caroline Yeilding
My forced foray into personal finance started with biannual allowance and a checkbook on my 16th birthday. I quickly learned the importance of balancing needs and wants.
As a Certified Financial Planner and former private banker, I work to help empower clients to enjoy the fullness of their wealth and live generously. Through a collaborative planning process and strategic portfolio management I help guide clients to both articulate and strive to achieve their financial goals.
I have seen the tangible impact of good stewardship through my work as a Trustee for the Episcopal Diocese of Alabama and as co-chair of the Family Giving Circle at the Jones Valley Teaching Farm. I am continually inspired by the transformative power of intentional philanthropy for both the nonprofit and donors.
I understand deeply the challenges of being both a high-performing professional and a high-performing mom. I am challenged daily with how to best parent a 10-year-old with a list of Colossal Questions and a 7-year-old in constant motion. I’ve found the team approach - both at home with my husband, Tom and with Steelcrest Wealth Management at Morgan Stanley critical to sanity and success.
Select awards and accomplishments that make me smile:
• Rhodes College -Phi Beta Kappa, BA with Honors in Economics
• Inspirational Leader Award, Morgan Stanley
• Charles A. Collat Distinguished Leadership Award
• Jones Valley Teaching Farm Board Member
• Bookplates Book club member for over 18 years
• Proud caretaker of a 10-year-old wild yeast sourdough starter
As a Certified Financial Planner and former private banker, I work to help empower clients to enjoy the fullness of their wealth and live generously. Through a collaborative planning process and strategic portfolio management I help guide clients to both articulate and strive to achieve their financial goals.
I have seen the tangible impact of good stewardship through my work as a Trustee for the Episcopal Diocese of Alabama and as co-chair of the Family Giving Circle at the Jones Valley Teaching Farm. I am continually inspired by the transformative power of intentional philanthropy for both the nonprofit and donors.
I understand deeply the challenges of being both a high-performing professional and a high-performing mom. I am challenged daily with how to best parent a 10-year-old with a list of Colossal Questions and a 7-year-old in constant motion. I’ve found the team approach - both at home with my husband, Tom and with Steelcrest Wealth Management at Morgan Stanley critical to sanity and success.
Select awards and accomplishments that make me smile:
• Rhodes College -Phi Beta Kappa, BA with Honors in Economics
• Inspirational Leader Award, Morgan Stanley
• Charles A. Collat Distinguished Leadership Award
• Jones Valley Teaching Farm Board Member
• Bookplates Book club member for over 18 years
• Proud caretaker of a 10-year-old wild yeast sourdough starter
Securities Agent: IL, CT, SC, NV, MT, MO, KS, HI, CA, AL, KY, WV, OR, OK, NJ, LA, SD, RI, MS, WY, WI, NH, PR, PA, ID, VA, NE, MN, MA, IN, IA, CO, AR, OH, NY, NC, MI, FL, DC, WA, VT, VI, TX, NM, MD, GA, DE, AZ, AK, UT, TN, ND, ME; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1474219
NMLS#: 1474219
About Bridget Buckley
The discipline of having to save my allowance for things I wanted growing up enabled me to move to New York City after graduating from Auburn with a Bachelor of Science in Business Administration. It took a couple of months to land a job with Morgan Stanley in midtown Manhattan, so my savings were really important!
I learned a lot in New York City, and the experience and food were wonderful, but I decided to come back home to Birmingham in the Spring of 2020. My current role allows me to be a go-to resource for our team’s clients, especially during times of major life changes. I genuinely enjoy developing the relationships that follow.
When not at work or traveling, I live in Highland Park with my dog Murphy.
*This role cannot solicit or provide investment advice
I learned a lot in New York City, and the experience and food were wonderful, but I decided to come back home to Birmingham in the Spring of 2020. My current role allows me to be a go-to resource for our team’s clients, especially during times of major life changes. I genuinely enjoy developing the relationships that follow.
When not at work or traveling, I live in Highland Park with my dog Murphy.
*This role cannot solicit or provide investment advice
About Darlene Beck
Being a Client Service Associate has been my only job since college. While the details have changed, I continue to enjoy helping clients seeking to achieve their financial success. Over the years, several have become true friends.
I enjoy music of all kinds and have attended more Harry Connick Jr concerts than I can count! Please let me know if you have a great cake or pie recipe, because I also love to bake.
My home is in Trussville, and I have a Bachelors in Communications Management from UAB.
I enjoy music of all kinds and have attended more Harry Connick Jr concerts than I can count! Please let me know if you have a great cake or pie recipe, because I also love to bake.
My home is in Trussville, and I have a Bachelors in Communications Management from UAB.
About Jackson English
I began working for Morgan Stanley in 2021 and joined SteelCrest Wealth Management Group in the Summer of 2022. Before I joined Morgan Stanley, I studied at Troy University, where I earned my Bachelor of Science in Business Administration. My tenure so far as a Registered Client Service Associate with Morgan Stanley has been an incredible experience. I have especially appreciated the challenging nature of the Wealth Management business and the vast resources our Firm offers to overcome them. My primary focus for the team is handling day-to-day operations while providing the highest standard of service for our clients.
When away from the office, I enjoy playing golf, reading a good book, or catching a show with friends. Some of my favorite authors include David Darst, Harlan Coben, and Douglas Adams, I highly recommend them.
*This role cannot solicit or provide investment advice
When away from the office, I enjoy playing golf, reading a good book, or catching a show with friends. Some of my favorite authors include David Darst, Harlan Coben, and Douglas Adams, I highly recommend them.
*This role cannot solicit or provide investment advice
Contact Patrick Morgan
Contact Bunker Medbery
Contact Liucija Smaizyte Wright
Contact Zachary P. Turnage
Contact Caroline Yeilding
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
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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.
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- Traditional Investments
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Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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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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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 SteelCrest Wealth Management Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 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.
5Morgan 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.
6Morgan 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.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Alternative 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.
11Products 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.
12When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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Awards Disclosures | Morgan Stanley
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 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.
5Morgan 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.
6Morgan 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.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Alternative 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.
11Products 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.
12When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
