Cynthia Lemus
Senior Registered Client Service Associate
Phone:
(818) 713-4737(818) 713-4737
Stephen Wright, CFP®, CRPC®
Senior Vice President,
Financial Advisor,
Workplace Advisor - Equity Compensation
Direct:
(818) 713-4758(818) 713-4758
My Mission Statement
Every member of our team is dedicated to helping people achieve their financial goals and give the highest level of personalized service and care that they are entitled to. With the global resources of Morgan Stanley, you will be placed at the center of the wealth management process as we work together to design a goals-based financial approach to help you achieve what matters most to you.
My Story and Services
Stephen Wright takes a multigenerational approach to developing strategies for clients’ investment, estate planning, philanthropic, and lending needs. Stephen is also a Chartered Retirement Planning Counselor who understands the unique needs of those looking to plan for retirement and a Certified Financial Planner to help create a well thought out plan in order to track and achieve your financial milestones. The diverse group of clients he serves also includes corporate executives, business owners, and real estate developers.
Stephen has over 16 years of experience working with affluent clients. Prior to joining Morgan Stanley in 2022, Stephen was a Senior Financial Consultant at E*TRADE, where he delivered solutions and constructed tailored investment plans to help clients reach their financial goals. He actually began his wealth management career at Morgan Stanley Smith Barney, shortly after earning a B.A. from University of California, San Diego in 2008.
Stephen is a volunteer at the Michael Hoefflin Foundation, a non-profit organization that assists local families who have children diagnosed with cancer. As a result of Stephen's involvement within the Santa Clarita Valley and it's neighboring communities, in 2024, he was recognized in the Santa Clarita Valley’s 40 under Forty. Stephen and his wife, Lindsay, live in Pacific Palisades with their two daughters, Emma and Pippa.
Stephen has over 16 years of experience working with affluent clients. Prior to joining Morgan Stanley in 2022, Stephen was a Senior Financial Consultant at E*TRADE, where he delivered solutions and constructed tailored investment plans to help clients reach their financial goals. He actually began his wealth management career at Morgan Stanley Smith Barney, shortly after earning a B.A. from University of California, San Diego in 2008.
Stephen is a volunteer at the Michael Hoefflin Foundation, a non-profit organization that assists local families who have children diagnosed with cancer. As a result of Stephen's involvement within the Santa Clarita Valley and it's neighboring communities, in 2024, he was recognized in the Santa Clarita Valley’s 40 under Forty. Stephen and his wife, Lindsay, live in Pacific Palisades with their two daughters, Emma and Pippa.
Securities Agent: AL, NY, WA, NM, NC, MD, CO, LA, FL, DE, NE, ME, IL, HI, GA, UT, NV, NJ, MO, CT, RI, PR, OK, MN, WY, SD, AR, VT, DC, NH, IN, AK, IA, WV, MS, KS, WI, SC, ND, KY, VA, TN, PA, ID, AZ, MI, MT, MA, CA, OR, TX, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 2460332
CA Insurance License #: 0H11368
NMLS#: 2460332
CA Insurance License #: 0H11368
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
PHILANTHROPY
Michael Hoefflin Foundation for Children’s Cancer
For over 11 years Stephen has volunteered his time to the Michael Hoefflin Foundation, a non-profit organization that assists children diagnosed with cancer and their families. For over 28 years, the Foundation has provided individualized, caring support that addresses the various ways in which life is disrupted for families facing a pediatric cancer diagnosis. The aim of the Michael Hoefflin Foundation is to ensure families have what they need so that their child can concentrate on getting well.
OUR PROCESS
We believe that every family that works with us at Morgan Stanley deserves a financial plan that is regularly updated and monitored, evaluating the risks you are comfortable taking to achieve your goals and access to industry leading technology tools to ensure ongoing communication about your progress.
1. Meet with you and your family to understand your unique circumstances
2. Understand your family's financial goals
3. Utilize Total Wealth View to analyze your family's global financial picture
4. We will confirm the existence of estate planning documents such as medical directives, wills and trust documents, and offer referrals to outside professionals as appropriate
5. Complete review of all outstanding liabilities, including mortgage, business and personal loans
6. Budgeting and cash management needs
7. Bringing Morgan Stanley's network of global resources to bear to help solve even the most complex financial situations for your family or business
What You Can Expect From Us
- Regular updates about your performance, fees, investments and financial plan progress
- Continued profiling of your risk tolerance
- Periodic email updates, timely phone calls and annual in person reviews
- 24 hour response time if you leave a message for a member of the team
- Regular updates about your performance, fees, investments and financial plan progress
- Continued profiling of your risk tolerance
- Periodic email updates, timely phone calls and annual in person reviews
- 24 hour response time if you leave a message for a member of the team
Our Services
When managing wealth, there are many aspects that must be covered in order to get a complete plan. Take a deeper look into what we provide:
Financial Planning
Financial planning is a dynamic process that is based on the client’s changing wants and needs both in the short and long term. Short term goals take priority in current planning while long term goals are considerations that influence a client’s full analysis.
Plan For Your Future
Retirement Planning
Retirement Planning is a core component of wealth management. Taking into consideration potential future costs such as living expenses, travel costs, and education funding is crucial in developing an effective retirement plan. By quantifying your financial needs, creating an action plan, and tracking progress, we can assist you in implementing a plan tailored to you and your goals.
Planning Your Goals
Insurance Review
Making sure you and your family are protected from the unexpected is a very important aspect of a plan. Reviewing your policies is just as crucial, to ensure that you are getting the most protection for your premium and have enough coverage to take care of your needs.
Understanding InsuranceMS Digital Tools
Morgan Stanley Online (MSO)
With Morgan Stanley Online and the Morgan Stanley Mobile app, your investments and everyday finances are never more than just a click away.
Learn More About MSO
Morgan Stanley Reserved
MS Reserved is a complimentary loyalty program available to Morgan Stanley Clients with a minimum of $1M in AUM. As a reserved member, clients will have access to exclusive partner offers and discounts, as well as thought leadership content and a variety of lifestyle and personal finance topics.
Learn More About MS Reserved
Planning
Our team uses a suite of planning tools that includes goal-specific analysis that we can use with clients to created a realistic, holistic strategy that integrates the various aspects of an individual's financial life, including investments and cash management needs. Our tools provide progress-to-goals reporting and can also illustrate complex planning strategies.
Take Control of Your Financial Future Today
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative tool used by several of the world’s largest institutional asset managers, using this tool provides comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios.
Manage Your RiskLocation
21650 Oxnard St
Ste 1800
Woodland Hills, CA 91367
US
Direct:
(818) 713-4758(818) 713-4758
Meet My Team
Stephanie Krueger
Portfolio Associate, Financial Planning Specialist
Phone:
(818) 713-4790(818) 713-4790
Mark Drabkin
Registered Client Service Associate
Phone:
(818) 713-4707(818) 713-4707
Kaelen Perushek
Registered Client Service Associate
Phone:
(805) 494-0213(805) 494-0213
About Cynthia Lemus
Cynthia Lemus is a Senior Client Service Associate. With more than two decades of experience in the financial services industry—most of it at Morgan Stanley—Cynthia plays a pivotal role in delivering the team’s signature white-glove service to a select group of ultra-high-net-worth families, entrepreneurs, and entertainers.
Cynthia began her career in 1998 at Smith Barney. Over the years, she has also held roles at Well Fargo before joining Morgan Stanley. Her depth of experience across both client service and operational support makes her an invaluable resource to clients and colleagues alike.
As a trusted point of contact, Cynthia combines professionalism and empathy to provide an exceptional client experience at every turn. She supports a wide range of critical needs, including account openings, transfers, reporting, and time-sensitive inquiries. Known for her responsiveness and attention to detail, she brings a calm, solutions-oriented approach to even the most complex service requests — helping ensure clients feel cared for and connected.
Outside the office, Cynthia is just as committed to showing up for the people around her. As a mother of two and stepmother of six, she’s a natural listener and multitasker — skills that translate seamlessly into her work. Whether she’s managing logistics behind the scenes or guiding clients through a time-sensitive need, Cynthia brings a rare blend of heart, precision, and professionalism to everything she does.
Cynthia began her career in 1998 at Smith Barney. Over the years, she has also held roles at Well Fargo before joining Morgan Stanley. Her depth of experience across both client service and operational support makes her an invaluable resource to clients and colleagues alike.
As a trusted point of contact, Cynthia combines professionalism and empathy to provide an exceptional client experience at every turn. She supports a wide range of critical needs, including account openings, transfers, reporting, and time-sensitive inquiries. Known for her responsiveness and attention to detail, she brings a calm, solutions-oriented approach to even the most complex service requests — helping ensure clients feel cared for and connected.
Outside the office, Cynthia is just as committed to showing up for the people around her. As a mother of two and stepmother of six, she’s a natural listener and multitasker — skills that translate seamlessly into her work. Whether she’s managing logistics behind the scenes or guiding clients through a time-sensitive need, Cynthia brings a rare blend of heart, precision, and professionalism to everything she does.
About Stephanie Krueger
Stephanie Krueger is a Portfolio Associate and Financial Planning Specialist. Since joining the firm in 2017, she has focused on delivering thoughtful, responsive service while helping clients feel empowered and informed throughout their financial journey.
Prior to joining Morgan Stanley, Stephanie earned her Bachelor’s degree from the University of California, Santa Barbara. She also brings a background in operations management, where she developed her strong foundation in process optimization, team collaboration, and systems oversight—skills that continue to influence her client service approach today. She holds both the Series 7 and Series 66 licenses and actively engages in the firm’s professional development and strategic training initiatives.
Stephanie plays a key role in deepening client relationships and supporting the overall planning and investment efforts. She partners closely with the team’s Financial Advisors to help execute client service strategies and ensure a consistent, high-touch experience. Whether she’s assisting with account management, onboarding new clients, or preparing reports and planning materials, Stephanie brings a meticulous attention to detail and a sincere commitment to excellence.
Outside the office, Stephanie is an avid traveler who finds joy in exploring new places — especially those with breathtaking outdoor views. A lifelong learner, she’s always up for a great book, and has recently discovered a love for wine tasting, which she enjoys sharing with friends and family.
Prior to joining Morgan Stanley, Stephanie earned her Bachelor’s degree from the University of California, Santa Barbara. She also brings a background in operations management, where she developed her strong foundation in process optimization, team collaboration, and systems oversight—skills that continue to influence her client service approach today. She holds both the Series 7 and Series 66 licenses and actively engages in the firm’s professional development and strategic training initiatives.
Stephanie plays a key role in deepening client relationships and supporting the overall planning and investment efforts. She partners closely with the team’s Financial Advisors to help execute client service strategies and ensure a consistent, high-touch experience. Whether she’s assisting with account management, onboarding new clients, or preparing reports and planning materials, Stephanie brings a meticulous attention to detail and a sincere commitment to excellence.
Outside the office, Stephanie is an avid traveler who finds joy in exploring new places — especially those with breathtaking outdoor views. A lifelong learner, she’s always up for a great book, and has recently discovered a love for wine tasting, which she enjoys sharing with friends and family.
About Mark Drabkin
Mark began his journey with us as an intern in January 2025 and has since progressed into the Registered Client Service Associate Role. As a Client Service Associate, Mark provides comprehensive support to meet key client needs, ensuring an outstanding experience. Mark assists clients with account openings, transfers, reporting, and time-sensitive inquiries.
Mark graduated from UCLA in June of 2025 with a degree in Economics and a minor in accounting. He has also successfully obtained both the Series 7 and 66 licenses, which further enhances his ability to serve our clients effectively.
Outside of work, Mark enjoys traveling, spending time with friends and family, and watching his favorite sports teams - especially the LA Kings and Chicago Bears.
Mark graduated from UCLA in June of 2025 with a degree in Economics and a minor in accounting. He has also successfully obtained both the Series 7 and 66 licenses, which further enhances his ability to serve our clients effectively.
Outside of work, Mark enjoys traveling, spending time with friends and family, and watching his favorite sports teams - especially the LA Kings and Chicago Bears.
About Kaelen Perushek
Kaelen is a Registered Client Service Associate, serving as an important point of contact for our clients and supporting the delivery of our team’s signature white-glove service. Kaelen started with Morgan Stanley in 2025 as an intern in Private Wealth Management and joined our team in August of 2026.
Kaelen graduated from UC Santa Barbara in December 2025 with a Bachelor of Science in Financial Mathematics and Statistics. Since then, she has obtained her Series 7 and Series 66 licenses which further enhances her ability to serve our clients effectively.
Outside of the office, Kaelen enjoys traveling, a passion that included spending a semester abroad in Barcelona. In her free time, she likes exploring new cuisines, skiing, and watching/rewatching horror movies.
Kaelen graduated from UC Santa Barbara in December 2025 with a Bachelor of Science in Financial Mathematics and Statistics. Since then, she has obtained her Series 7 and Series 66 licenses which further enhances her ability to serve our clients effectively.
Outside of the office, Kaelen enjoys traveling, a passion that included spending a semester abroad in Barcelona. In her free time, she likes exploring new cuisines, skiing, and watching/rewatching horror movies.
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
Drew Zager
Managing Director, Private Wealth Management, Private Wealth Advisor
Joseph McCullough, CFA
Managing Director, Private Wealth Management, Private Wealth Advisor
Austin Tanner
Planning Associate
About Austin Tanner
Austin Tanner
Austin is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Austin provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Utah Valley University and received the Financial Planning Specialist® designation from the College for Financial Planning. Austin is originally from Denver Colorado and currently resides in New York City.
Austin is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Austin provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Utah Valley University and received the Financial Planning Specialist® designation from the College for Financial Planning. Austin is originally from Denver Colorado and currently resides in New York City.
Morgan Stanley Wealth Management Financial Advisors can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
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.
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.
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 Stephen Wright 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
