Ann Troiano
Group Director, Vice President, Financial Planning Specialist
Phone:
(704) 442-3492(704) 442-3492
Stuart Richards Pfeifer, CFP®, CDFA®
Senior Vice President,
Financial Advisor,
Family Wealth Advisor,
Family Wealth Director
Direct:
(704) 442-3421(704) 442-3421
My Mission Statement
I aim to help you achieve your life goals through personalized wealth planning strategies that support your long-term legacy.
My Story and Services
About Stuart R. Pfeifer, CFP®, CDFA®
Family Wealth Director, Morgan Stanley
I began my career at Smith Barney in 2004 and joined Morgan Stanley when the two firms came together in the aftermath of the 2008 financial crisis. Navigating that period alongside my clients taught me early on that good planning isn't just about numbers; it's about steady guidance, clear communication, and trust built over time.
Today, I bring together three credentials that shape how I serve the families I work with. I've been a CERTIFIED FINANCIAL PLANNER™ professional since 2007, a Certified Divorce Financial Analyst® since 2010, and I hold Morgan Stanley's Family Wealth Director designation. Together, they allow me to offer comprehensive advice across every aspect of your financial life, including wealth management, liabilities, estate planning, and tax strategy, whether you're building for the future, navigating a major transition, or planning a legacy for the next generation.
I'm a Charlotte native and a proud alumna of Charlotte Country Day School and Sewanee: The University of the South, where I majored in economics and played on the varsity women's soccer team. I've been married for more than 20 years to my husband, Jay, who works at Davidson College. We have two children: our daughter, Channing, who is studying at Wake Forest University, and our son, Charlie, who is in high school at Charlotte Country Day School. I lost my father in 2020 after a long battle with Parkinson's disease. That experience taught me a lot about what it takes physically, emotionally, and financially to care for a loved one with a progressive and debilitating disease. That knowledge informs my financial planning and has led to meaningful client conversations and support. My mother is a thriving 84-year-old who lives a few miles from me in Charlotte. Rounding out our family are our two cherished dogs, Birdie and Pete. In my free time I enjoy playing tennis, reading good books, and traveling with friends and family.
I'm especially passionate about helping women build successful careers in the competitive field of wealth management, and I see mentoring as one of the most meaningful ways to develop the next generation of talent. I was introduced to Turner Bobbitt shortly after she graduated from Washington and Lee University, where she was a four-year varsity swimmer. After more than a year of professional mentoring, I invited Turner to join my practice. I'm thrilled to have her as a colleague and look forward to watching her grow into a trusted advisor to current and future clients.
My belief in mentoring extends beyond my professional life. Since 2019, I've served on the board of Wayfinders, a Charlotte nonprofit, as executive head of mentoring, and have personally mentored two scholars for more than six years. Wayfinders' mission is to ignite student potential by expanding their confidence, connections, and horizons.
I believe my clients are best served by a team, not just an individual. My practice is supported by three dedicated client service professionals, and I partner with five trusted colleagues who each bring their own experience, perspective, and expertise in areas such as alternative investments and fixed income. This collaborative approach allows me to offer the depth of a specialized team while maintaining the personal, attentive relationship every client deserves.
Family Wealth Director, Morgan Stanley
I began my career at Smith Barney in 2004 and joined Morgan Stanley when the two firms came together in the aftermath of the 2008 financial crisis. Navigating that period alongside my clients taught me early on that good planning isn't just about numbers; it's about steady guidance, clear communication, and trust built over time.
Today, I bring together three credentials that shape how I serve the families I work with. I've been a CERTIFIED FINANCIAL PLANNER™ professional since 2007, a Certified Divorce Financial Analyst® since 2010, and I hold Morgan Stanley's Family Wealth Director designation. Together, they allow me to offer comprehensive advice across every aspect of your financial life, including wealth management, liabilities, estate planning, and tax strategy, whether you're building for the future, navigating a major transition, or planning a legacy for the next generation.
I'm a Charlotte native and a proud alumna of Charlotte Country Day School and Sewanee: The University of the South, where I majored in economics and played on the varsity women's soccer team. I've been married for more than 20 years to my husband, Jay, who works at Davidson College. We have two children: our daughter, Channing, who is studying at Wake Forest University, and our son, Charlie, who is in high school at Charlotte Country Day School. I lost my father in 2020 after a long battle with Parkinson's disease. That experience taught me a lot about what it takes physically, emotionally, and financially to care for a loved one with a progressive and debilitating disease. That knowledge informs my financial planning and has led to meaningful client conversations and support. My mother is a thriving 84-year-old who lives a few miles from me in Charlotte. Rounding out our family are our two cherished dogs, Birdie and Pete. In my free time I enjoy playing tennis, reading good books, and traveling with friends and family.
I'm especially passionate about helping women build successful careers in the competitive field of wealth management, and I see mentoring as one of the most meaningful ways to develop the next generation of talent. I was introduced to Turner Bobbitt shortly after she graduated from Washington and Lee University, where she was a four-year varsity swimmer. After more than a year of professional mentoring, I invited Turner to join my practice. I'm thrilled to have her as a colleague and look forward to watching her grow into a trusted advisor to current and future clients.
My belief in mentoring extends beyond my professional life. Since 2019, I've served on the board of Wayfinders, a Charlotte nonprofit, as executive head of mentoring, and have personally mentored two scholars for more than six years. Wayfinders' mission is to ignite student potential by expanding their confidence, connections, and horizons.
I believe my clients are best served by a team, not just an individual. My practice is supported by three dedicated client service professionals, and I partner with five trusted colleagues who each bring their own experience, perspective, and expertise in areas such as alternative investments and fixed income. This collaborative approach allows me to offer the depth of a specialized team while maintaining the personal, attentive relationship every client deserves.
Securities Agent: ME, AZ, PA, CT, UT, GA, WY, MA, TN, NH, MO, MN, MI, IL, WV, WI, VA, SC, OH, NV, NJ, KY, IN, CA, ID, AL, OR, DC, OK, CO, LA, MS, WA, HI, TX, MD, FL, NY, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 1406537
NMLS#: 1406537
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
CERTIFIED FINANCIAL PLANNER™ professional
I've held the CFP® certification since 2007, and it has shaped the way I approach every client relationship. For nearly two decades, I've helped individuals and families gain clarity, confidence, and long-term security in their financial lives.
Earning and maintaining the CFP® certification means I've met rigorous education, examination, experience, and ethics requirements set by the CFP Board. It also means I'm held to a fiduciary standard: I'm committed to always acting in your best interest.
That standard guides the comprehensive planning advice I provide, which covers every aspect of your financial picture. I help clients build and protect wealth, manage liabilities strategically, plan their estates thoughtfully, and minimize taxes through smart, proactive strategies. Because these areas are deeply connected, I look at them together rather than in isolation, so each decision supports your bigger goals.
I believe good planning starts with listening. I take the time to understand your priorities, values, and stage of life, then create a plan that can adapt as your circumstances change. Whether you're building your career, navigating a major transition, or preparing for retirement and legacy, I'm here to help you make informed decisions with confidence.
Earning and maintaining the CFP® certification means I've met rigorous education, examination, experience, and ethics requirements set by the CFP Board. It also means I'm held to a fiduciary standard: I'm committed to always acting in your best interest.
That standard guides the comprehensive planning advice I provide, which covers every aspect of your financial picture. I help clients build and protect wealth, manage liabilities strategically, plan their estates thoughtfully, and minimize taxes through smart, proactive strategies. Because these areas are deeply connected, I look at them together rather than in isolation, so each decision supports your bigger goals.
I believe good planning starts with listening. I take the time to understand your priorities, values, and stage of life, then create a plan that can adapt as your circumstances change. Whether you're building your career, navigating a major transition, or preparing for retirement and legacy, I'm here to help you make informed decisions with confidence.
Certified Divorce Financial Analyst®
Divorce is one of the most significant financial transitions a person can face, and the decisions made during the process can shape your financial future for decades. As a Certified Divorce Financial Analyst®, I help clients understand the long-term impact of their settlement options so they can move forward with clarity and confidence.
The CDFA® designation, awarded by the Institute for Divorce Financial Analysts, reflects specialized training in the financial, tax, and legal considerations unique to divorce. Combined with my experience as a CERTIFIED FINANCIAL PLANNER™ professional, it allows me to look beyond the immediate division of assets and focus on what a settlement will mean for your life in the years ahead.
I help clients evaluate the division of property, retirement accounts, and pensions; understand the tax consequences of different settlement options; assess spousal and child support scenarios; make informed decisions about the marital home; and plan for a stable financial future after divorce. I work alongside your attorney, mediator, or collaborative team to provide clear financial analysis that supports sound decision-making, while leaving legal advice to legal professionals.
The CDFA® designation, awarded by the Institute for Divorce Financial Analysts, reflects specialized training in the financial, tax, and legal considerations unique to divorce. Combined with my experience as a CERTIFIED FINANCIAL PLANNER™ professional, it allows me to look beyond the immediate division of assets and focus on what a settlement will mean for your life in the years ahead.
I help clients evaluate the division of property, retirement accounts, and pensions; understand the tax consequences of different settlement options; assess spousal and child support scenarios; make informed decisions about the marital home; and plan for a stable financial future after divorce. I work alongside your attorney, mediator, or collaborative team to provide clear financial analysis that supports sound decision-making, while leaving legal advice to legal professionals.
My Clients & Process
When we work together, you benefit from personalized advice, objective guidance and dedication to your success as an investor. Our goals-based wealth management approach will address key areas of your financial life beyond traditional investments and may incorporate diverse recommendations for helping build and preserve your wealth. Here we’ve outline our approach when working with you:
Steps To Get A Plan
- Step 1 - My process begins with a detailed conversation that identifies what is truly important to you. During this meeting, I'll ask a series of questions to provide an in-depth understanding of your personal, professional and financial situation, while educating us about your long-term investment goals, time horizon and tolerance for risk.
- Step 2- From this ongoing dialogue, I’ll analyze your current situation and begin to develop specific strategies to help achieve your goals. This analysis will address income and retirement planning, investment management, strategic borrowing, wealth transfer and business succession planning.
- Step 3- Once you’ve approved your plan, I will begin to execute each strategy, working closely with you to help ensure each of the various elements of your plan effectively integrate with one another. Whatever approach we implement, I will help keep your strategy on track.
- Step 4- You will receive a quarterly review that outlines your portfolio’s performance, helping you track your progress. Moreover, when your personal situation or market conditions change significantly, I will suggest appropriate adjustments to your portfolio to help it remain aligned with your goals.
Digital Tools
Our comprehensive suite of digital tools are designed to help enhance various aspects of your financial life. Here are a few of the programs and technologies we have to offer our clients
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
LifeView
LifeView is a suite of planning tools that includes goal-specific analysis that Financial Advisors can use with clients to create a realistic, holistic strategy that integrates the various aspects of an individual’s financial life, including investments and cash management needs.
Learn More about LifeView
Morgan Stanley Online
Seamlessly and securely manage your investments and everyday finances in one place with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Digital Vault
Digital Vault lets you easily manage and share your important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings. All files are scanned for viruses and malware and are encrypted while transferred and stored. Access is limited to you and anyone you designate.
Learn More About Digital Vault
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About TWV
Intelligent Withdrawals
Sophisticated technology to look across multiple accounts and products to identify smart withdrawals for accounts, securities and positions to help meet spending needs and work to reduce your tax burden.
Learn More About Intelligent WithdrawalsLocation
6805 Carnegie Blvd
Ste 400
Charlotte, NC 28211
US
Direct:
(704) 442-3421(704) 442-3421
Fax:
(704) 943-0529(704) 943-0529
Meet My Team
Erika Lamarque
Wealth Management Analyst
Phone:
(704) 442-3437(704) 442-3437
Lynn Connor
Phone:
(704) 442-3439(704) 442-3439
About Ann Troiano
Ann Troiano transferred to the Charlotte office in April 2023. She began her career as an Operations Associate at our predecessor firm Smith Barney in 1999. From 2005-2011, Ann served as an accountant for Evergreen Slate and then as District Treasurer for the school district in her hometown of Granville, NY. In 2011, she rejoined Morgan Stanley as a Client Service Associate. Since then, Ann has reactivated her Series 7 and 66 licenses and has been promoted to a Group Director role.
About Erika Lamarque
Erika Cross, a Wealth Management Analyst, recently relocating from Atlanta where she started working for Morgan Stanley in 2020. Erika supports all aspects of client service for our team and is currently studying for the Certified Financial Planning Certification. Her ability to operate efficiently on a team was developed as a collegiate lacrosse player at Young Harris College. Outside of work, she remains connected to the sport as the coach of an elite team. In her free time, Erika also enjoys walking her dog and finding good food!
About Lynn Connor
Lynn Connor has been in the financial services industry since 1994 and has been with Morgan Stanley since 2018. She holds her Series 6, 7, 63 and 65. Lynn's focus is in providing support for new and current clients and supporting the team's client standard of care.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
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
Ready to start a conversation? Contact Stuart Richards Pfeifer 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 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.
3Morgan 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.
4Morgan 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.
5When 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.
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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 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.
3Morgan 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.
4Morgan 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.
5When 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.
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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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
CRC 4665150 (8/2025)
