Sue van der Linden, CFP®, ChFC®, CIMA®, CPWA®, CWS®
Senior Vice President, Wealth Advisor, Senior Investment Management Consultant, Senior Portfolio Management Director
Phone:
(202) 862-7529(202) 862-7529
Bluestone Planning Group at Morgan Stanley
Sue van der Linden, CFP®, ChFC®, CIMA®, CPWA®, CWS®Syrinda Paige, CFP®, QPFC, CRPC®Annmarie M Bilger, CFP®, CRPS®, QPFC, CEPA®
Direct:
(202) 862-9180(202) 862-9180
Industry Award WinnerOur Mission Statement
Representing the under-represented on Wall Street
Our Story and Services
Why You?
Our clients are intelligent and capable people, who generally just don't have the interest or the time to take on managing their own investment and planning needs. We serve a range of clients from diverse backgrounds including:
- Multi-generational families;
- Business owners and high level executives;
- Members of the LGBTQIA+ community;
- Women seeking guidance for themselves and their family, especially following becoming divorced or widowed;
- Professionals like physicians, attorneys, academic faculty and staff, engineers, architects, and accountants;
- Individuals experiencing sudden wealth, such as winning the lottery, inheriting a significant sum, or selling a business;
- Introductions from existing clients to their friends, family, and colleagues
Every woman's success should be an inspiration to another. We're strongest when we cheer each other on.
– Serena Williams
Why Us?
Our team provides a distinctive collection of knowledge, wisdom, and experience. Both personally and professionally, we have seen a lot, and can bring those experiences to bear, helping you create a plan specific to your needs and aspirations. We respect that you have a unique vision for what wealth will do for you and your family. Sometimes it provides freedom from everyday worries, a tool to effect social change, or it can be the source of a family legacy that provides security and opportunity for generations to come. Whatever your vision is, we work to understand it, support it, and help you create and implement the structure needed to make it a reality.
As a dedicated Financial Advisor, we seek to be a safe space where you can say out loud both the dreams you aspire to, and the fears that worry you. We will tell you what you need to know, not just what you want to hear. We're direct, but compassionate. We bring our own life experiences to bear for your benefit, which helps us relate to the life events that you're experiencing. Our understanding gives us the insight to deal with these issues practically. This is not a theoretical exercise. We talk to you in ordinary terms, not industry jargon. We seek to educate you about your finances, not impress you with how much we know. This is about you, because it should be. Let us help you get where you want to go.
By working with a team, you get the benefit of each Financial Advisor having a more robust and nuanced understanding of specific areas of financial planning and investments. This allows each of us to dive deeper into our areas of interest. And you get access to all of us.
It takes as much energy to wish as it does to plan.
- Eleanor Roosevelt
Why Planning?
A plan articulates specifically what you want to accomplish. Without specifics like this to guide our work, we're just throwing spaghetti and hoping something sticks. That's not a plan! And it's certainly not the most elegant, tax-efficient, or intentional way to accomplish those goals. Without the framework we get from a plan, it's hard to make adjustments because nothing is defined.
To help best position yourself to make your financial goals a reality, you need a plan to serve as the foundation for everything else: who are you planning for, what are you planning for, when will it happen, where will it occur, how does that plan look, and why is it important to you?
If you don't like the road you're walking, start paving another one.
– Dolly Parton
Services Include
- 401(k) Rollovers
- Cash Management and Lending ProductsFootnote1
- Corporate Retirement PlansFootnote2
- Donor Advised Funds
- Divorce Financial AnalysisFootnote3
- Endowments and FoundationsFootnote4
- Financial PlanningFootnote5
- LGBT+ Planning ServicesFootnote6
- Long Term Care InsuranceFootnote7
- Philanthropic ManagementFootnote8
- Retirement PlanningFootnote9
- Sustainable InvestingFootnote10
- Trust ServicesFootnote11
- UGMA/UTMAFootnote12
- Wealth ManagementFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
What's In a Name?
Potomac Bluestone is the cornerstone of Washington DC's iconic structures, including the White House, the US Capitol, and the Washington Monument. Just like this resilient and local resource, we aspire to be the bedrock upon which your financial aspirations are built and realized.
Our Brochure
After thoughtful discussions and careful refinement, we are thrilled to present our team brochure. It captures the essence of our team, our expertise, and the reasons why partnering with us can be transformative. We invite you to explore it, and share it with your friends and colleagues.
When You Join Us...
Our clients are more than just portfolios. They are individuals and families with vibrant lives. They seek a team of trusted advisors who offer comprehensive and objective guidance across a spectrum of needs. Our practice is collaborative, serving a diverse clientele who require advice on matters such as:
- Navigating life-changing events with confidence
- Addressing the needs of today's modern families
- Planning, executing, and monitoring a successful retirement
- Managing educational expenses with tax efficiency
- Designing and overseeing retirement and financial wellness plans for businesses
- Handling the complexities of executive compensation and stock options
- Being tax-savvy during both the accumulation and distribution phases of life
- Preparing the next generation to manage wealth responsibly
- Achieving long-term charitable and philanthropic objectives
- Collaborating seamlessly with your accountant, estate planning attorney, and business attorney
- Mitigating risks across your portfolio
- Using our banking and lending solutions to optimize cash flow
- Safeguarding your family with annuities and insurance We are here to support you with empathy, toward making your financial journey is as smooth and successful as possible.
Out and About
The Bluestone Planning Group believes that our calling goes beyond the walls of our office – and our Zoom rooms. We are dedicated to bringing our full selves to our personal and professional communities through our experiences, our passion for helping clients finding their agency, and continuing our own education so we can best represent our clients.
We make it a priority to have our feet on the ground, regardless of venue -- whether it's speaking at local events, contributing to financial news outlets, making podcast appearances, rolling up our sleeves for charity events, or getting featured in magazines like Vogue. Our commitment to making a difference is always front and center. Here are some of the ways we stay connected, share our experience and insights, and support causes that matter most to our team, our clients, and our communities.
2026 Forbes Teams Best In State
We are honored to announce the Bluestone Planning Group has been recognized as one of the 2026 Forbes Best-In-State Wealth Management Teams! We strive to bring our clients the quality advice and financial counsel they need to advance their financial wellbeing and this award let's us know we are on the right track. We would like to thank all of our clients who have bestowed their trust in us to guide them in managing their wealth. It would not be possible without you!
Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded Jan 2026) Data compiled by SHOOK Research LLC based for the period 3/31/24-3/31/25.
Award Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure.html
Vogue Magazine Feature -- Yes, That Vogue!
We are proud to share that our team was recently profiled in Vogue Magazine.
It's hard to see yourself doing something when there's no one like you to help you visualize. How can you be an investor, when you don't see investors who look like you, who share your experience, who understand your perspectivd? Well, we do!
Here's to our being representative for an entire generation of women who can now see themselves as investors.
Morgan Stanley MAKERS with Sue van der Linden
A coach and mentor to women and the younger generation, and recently named a Morgan Stanley MAKER, she puts fears aside to be the change in her industry. MAKERS at Morgan Stanley is an annual program that celebrates groundbreakers, innovators, and champions of women's achievement. Take a listen here to learn more about Sue's journey in the world of wealth management…
Black Wealth Summit with Syrinda Paige
Syrinda Paige is proud to have been a three time speaker for the 3rd Black Wealth Summit in 2023. Her presentations included "Building the Wealth to Live the Life You Love," and "Credit and Debt Management : Staying on Track to Achieve Your Goals" Both presentations were aimed to be both practical and aspirational, and to provide actionable takeaways for attendees.
2023 Bill Eager Award from the Portfolio Management Institute to Sue van der Linden
After nearly a decade of service on the PMI Board of Directors, and chairing it's annual Forum twice, PMI awarded Sue the Bill Eager Award. It is bestowed for attributes such as an effort to always improve your knowledge base and skill set, a willingness to share that knowledge and expertise with colleagues, a commitment to hard work and persistence, and being dedicated to helping their team achieve its full potential.
Sleep Out for Covenant House with Syrinda Paige
Syrinda has served on the board of Covenant House, a non-profit organization in D.C., since 2014.
Covenant House's annual Executive Edition of Sleep Out is a volunteer experience in the month of November. During the Sleep Out, executives and professionals stand in solidarity with our youth by making ourselves homeless for an entire night – sleeping on a cardboard box, in a sleeping bag, raising funds and awareness, all in an effort to give youth a safe roof over their heads, workforce training, and nutritious meals.
The Tony Awards with Syrinda Paige
Syrinda was a co-producer of August Wilson's The Piano Lesson on Broadway. The production was such a hit that it was nominated for two Tony Awards, including Best Actor in a Featured Role in a Play for Samuel L. Jackson, and Best Revival of a Play.
Our investment strategy leverages modern wealth tools and cutting-edge technology. By providing our clients with the digital tools they need for today's world of modern wealth, we help enable them to come one step closer to achieving their life goals.
Additionally, check here regularly for resources to help you navigate significant life events.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
E-Delivery
E-Delivery allows you to securely save, print, send, and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures from clients on paperwork. There is no registration process for you to begin using E-Sign - all you need is a valid email address and phone number.
E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored using encryption.
Total Wealth View
The ability to view all of your assets and liabilities together, whether held at Morgan Stanley or elsewhere, enables us to advise with your entire financial picture in mind.
Goals Planning System
GPS helps clients define what they want out of life, and then creates a financial framework to bring these goals to life.
Your Guide to Life and Money
Retire the notion that it is still too early to save, and start saving early so you will have the freedom to enjoy your future in style.
Location
1775 I Street NW
Suite 200
Washington, DC 20006
US
Direct:
(202) 862-9180(202) 862-9180
Meet Bluestone Planning Group
Senior Vice President, Financial Advisor, Senior Portfolio Management Director, Global Sports and Entertainment Director
Phone:
(202) 862-9040(202) 862-9040
Annmarie M Bilger, CFP®, CRPS®, QPFC, CEPA®
Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(202) 862-9117(202) 862-9117
Rica D. Muhammad
Registered Client Service Associate
Phone:
(202) 862-9179(202) 862-9179
Caitlin N. Luchkiw
Registered Client Service Associate
Phone:
(202) 862-9084(202) 862-9084
Brandin L. Peters
Registered Client Service Associate
Phone:
(202) 857-5498(202) 857-5498
About Sue S. van der Linden
I work closely with clients to help them find their personal balance of boldness and security and then reflect it in their investment portfolios. I enjoy helping to educate clients about their options and enabling them to navigate the ups and downs of financial cycles in order to preserve their hard-earned money and support their dreams. I help to coordinate with all of your experts to ensure every decision works toward your goals.
I have been helping clients achieve their goals since 1994. I serve on the Board of Directors of the Portfolio Management Institute, and the Association of Professional Investment Consultants. And I am a member of Morgan Stanley’s Technology Council, and the Morgan Stanley Marketing Council. I earned my BA from the University of Virginia, and an MBA from The George Washington University. I hold the CERTIFIED FINANCIAL PLANNER designation, am a Chartered Financial Consultant, Certified Investment Management Analyst, Certified Private Wealth Advisor, and a Certified Wealth Strategist. I co-wrote Financial Custody: You, Your Money and Divorce. I was recently named a member of the MAKERS® Class of 2021, and to the Forbes America’s Top Women Wealth Advisors of 2021.
My husband Bob and I have a daughter, Rachael, who is a senior at The Madeira School. I am involved with many charities including the American Cancer Society, the ALS Association and others. For fun, I compete in equestrian sports, particularly dressage and eventing, but I also enjoy travel, reading, needlework, cooking, gardening, and playing with my two Cavalier King Charles Spaniels.
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
Source: Forbes.com (Awarded Feb 2022) Data compiled by SHOOK Research LLC based on time period from 9/30/20 - 9/30/21.
I have been helping clients achieve their goals since 1994. I serve on the Board of Directors of the Portfolio Management Institute, and the Association of Professional Investment Consultants. And I am a member of Morgan Stanley’s Technology Council, and the Morgan Stanley Marketing Council. I earned my BA from the University of Virginia, and an MBA from The George Washington University. I hold the CERTIFIED FINANCIAL PLANNER designation, am a Chartered Financial Consultant, Certified Investment Management Analyst, Certified Private Wealth Advisor, and a Certified Wealth Strategist. I co-wrote Financial Custody: You, Your Money and Divorce. I was recently named a member of the MAKERS® Class of 2021, and to the Forbes America’s Top Women Wealth Advisors of 2021.
My husband Bob and I have a daughter, Rachael, who is a senior at The Madeira School. I am involved with many charities including the American Cancer Society, the ALS Association and others. For fun, I compete in equestrian sports, particularly dressage and eventing, but I also enjoy travel, reading, needlework, cooking, gardening, and playing with my two Cavalier King Charles Spaniels.
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
Source: Forbes.com (Awarded Feb 2022) Data compiled by SHOOK Research LLC based on time period from 9/30/20 - 9/30/21.
Securities Agent: MT, MA, AZ, IN, NY, MD, VA, SC, NJ, NC, ID, PA, OR, OH, DC, AL, FL, TX, IA, CA, UT, GA, CO, WA, NV, MO, LA, IL, DE; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255437
CA Insurance License #: 0G76059
NMLS#: 1255437
CA Insurance License #: 0G76059
About Syrinda Paige
Securities Agent: MS, ID, UT, TX, MO, IA, IN, VA, MD, DC, AZ, FL, TN, SC, NY, NV, CO, OR, GA, AL, WA, NJ, MT, IL, DE, CA, PA, OH, NC, MA, LA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282574
CA Insurance License #: 0F03310
NMLS#: 1282574
CA Insurance License #: 0F03310
About Annmarie M Bilger
Annmarie grew up in the Italian American immigrant community of Bensonhurst, Brooklyn. She lived four doors down from her grandparents, who had immigrated to the United States from Sicily to follow the American dream of a better life. They served as great role models through their hard work, saving what they could, and always putting family first.
With their help, Annmarie's father was able to pursue his dream of becoming a doctor. Her family moved to Grenada while he studied at St. George's University. When they returned to the U.S., they moved in with her grandparents. Her mother worked full time as a nurse and her father worked countless hours completing his residency.
Sadly, when Annmarie was 8, she lost her mother to breast cancer. Her grandparents stepped in again and became a second set of parents for Annmarie and her siblings. These childhood experiences were formative for Annmarie, instilling in her the importance of family, a strong work ethic, and helping and caring for others.
Today, she uses her knowledge, skills, and over 25 years of experience to help busy families, corporate executives, and business owners on their financial independence journeys. She takes great pride and personal satisfaction in helping her clients grow and maintain the wealth and lifestyle they have worked so hard to build. Annmarie's goal is to help and care for each client as if there were part of her extended family.
She has been a member of various CFP Board committees, where she helped create exam questions, participated in diversity and inclusion reviews of exam questions, and helped develop the exam passing standards.
Annmarie also serves as a board member of the Howard County Chamber of Commerce and has Chaired their Women's Leadership Conference. This work brings her personal fulfillment, as it promotes connecting and empowering women in business, while also giving them a voice in the community.
She lives with her husband, Chris, in Howard County, MD; their three children, Allie, Erin and Jason; and their dog, Dice.
In her leisure time, Annmarie enjoys travelling, cooking and trying out new recipes, hosting parties, and spending time with friends and family.
With their help, Annmarie's father was able to pursue his dream of becoming a doctor. Her family moved to Grenada while he studied at St. George's University. When they returned to the U.S., they moved in with her grandparents. Her mother worked full time as a nurse and her father worked countless hours completing his residency.
Sadly, when Annmarie was 8, she lost her mother to breast cancer. Her grandparents stepped in again and became a second set of parents for Annmarie and her siblings. These childhood experiences were formative for Annmarie, instilling in her the importance of family, a strong work ethic, and helping and caring for others.
Today, she uses her knowledge, skills, and over 25 years of experience to help busy families, corporate executives, and business owners on their financial independence journeys. She takes great pride and personal satisfaction in helping her clients grow and maintain the wealth and lifestyle they have worked so hard to build. Annmarie's goal is to help and care for each client as if there were part of her extended family.
She has been a member of various CFP Board committees, where she helped create exam questions, participated in diversity and inclusion reviews of exam questions, and helped develop the exam passing standards.
Annmarie also serves as a board member of the Howard County Chamber of Commerce and has Chaired their Women's Leadership Conference. This work brings her personal fulfillment, as it promotes connecting and empowering women in business, while also giving them a voice in the community.
She lives with her husband, Chris, in Howard County, MD; their three children, Allie, Erin and Jason; and their dog, Dice.
In her leisure time, Annmarie enjoys travelling, cooking and trying out new recipes, hosting parties, and spending time with friends and family.
Securities Agent: NM, VA, PA, CA, LA, MT, CO, KS, IA, DE, DC, NJ, FL, AL, OR, MO, IN, TX, NY, NC, AZ, WA, UT, SC, OH, NV, GA, WV, MA, IL, ID, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1726512
CA Insurance License #: 0M13320
NMLS#: 1726512
CA Insurance License #: 0M13320
About Rica D. Muhammad
Rica Muhammad joined Morgan Stanley in 2021. She advanced to the position of Registered Client Service Associate for The Bluestone Planning Group upon completing her Series 7 and Series 66 licenses. In 2024, Rica also earned her Maryland Life & Health Insurance License.
She is a key team member in account servicing, and manages the transition for clients as they transfer to The Bluestone Planning Group.
She has a rich background in both private companies and government departments, including progressive positions at the National Society of Black Engineers, where she thrived in the mission of NSBE to expose more African-American students to the field of engineering.
Rica lives in Maryland with her children, Justice and Jelani; and her Mom. She enjoys baking, traveling, crafting, and roller skating in her time away from the office.
She is a key team member in account servicing, and manages the transition for clients as they transfer to The Bluestone Planning Group.
She has a rich background in both private companies and government departments, including progressive positions at the National Society of Black Engineers, where she thrived in the mission of NSBE to expose more African-American students to the field of engineering.
Rica lives in Maryland with her children, Justice and Jelani; and her Mom. She enjoys baking, traveling, crafting, and roller skating in her time away from the office.
Contact Sue van der Linden
Contact Syrinda Paige
Contact Annmarie M Bilger
Awards and Recognition
Forbes Top Women Wealth Advisors Best-In-State
2022-2026 Forbes Top Women Wealth Advisors Best-In-State Source: Forbes.com (Awarded 2022-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in September of year prior to the issuance of the award.
Forbes Best-In-State Wealth Management Teams
2025-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2025-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms Source: Workingmother.com (Awarded Oct 2021) Data compiled by SHOOK Research LLC based on time period from 3/31/20 - 3/31/21.
3
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
Matthew Russoman
Private Banker
Jill Toomey, CFP®
Financial Planning Director, Vice President
Mark Jansen
Family Office Resources Generalist
About Matthew Russoman
Matt Russoman is a Private Banker serving Morgan Stanley Wealth Management offices in Washington, D.C. and Annapolis.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Matt began his career in financial services in 2008, and joined Morgan Stanley in 2013 as an Associate Private Banker. Matt is a graduate of The College of New Jersey, where he received a Bachelor in Business Administration. He lives in Washington, DC.
Outside of the office, Matt enjoys staying active through exercising, hiking, and playing sports and is a fan of the New York Yankees and Giants.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Matt began his career in financial services in 2008, and joined Morgan Stanley in 2013 as an Associate Private Banker. Matt is a graduate of The College of New Jersey, where he received a Bachelor in Business Administration. He lives in Washington, DC.
Outside of the office, Matt enjoys staying active through exercising, hiking, and playing sports and is a fan of the New York Yankees and Giants.
NMLS#: 817422
About Jill Toomey
Jill Toomey is a vice president and financial planning director serving Morgan Stanley Wealth Management and Private Wealth Management offices in the Washington D.C. market. Jill is responsible for helping financial advisors’ clients and prospects with their financial planning needs.
Jill began her career in financial services in 2013 and joined Morgan Stanley in 2016. Prior to her current position, Jill served as a financial advisor and as the Southeast region planning solutions specialist, covering the states of GA, FL, AL, KY, TN, and WV.
Jill received her bachelor’s degree in mathematics from the University of Delaware and holds her CERTIFIED FINANCIAL PLANNER™ designation, which is the standard of excellence in financial planning. Jill currently resides in Alpharetta, GA.
DISCLOSURE:
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.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
Jill began her career in financial services in 2013 and joined Morgan Stanley in 2016. Prior to her current position, Jill served as a financial advisor and as the Southeast region planning solutions specialist, covering the states of GA, FL, AL, KY, TN, and WV.
Jill received her bachelor’s degree in mathematics from the University of Delaware and holds her CERTIFIED FINANCIAL PLANNER™ designation, which is the standard of excellence in financial planning. Jill currently resides in Alpharetta, GA.
DISCLOSURE:
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.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
About Mark Jansen
Mark Jansen is a Family Office Resources Generalist for Morgan Stanley’s Family Office Resources, covering the Southeast Region. In this capacity, Mark provides specialized expertise to Financial Advisors and their UHNW clients across a broad range of family wealth management issues including; family governance and wealth education, strategic estate and financial planning, philanthropy management and lifestyle advisory. Mark has over 30 years of experience advising wealthy families, business owners, and their children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
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Financial Planning for Life After Selling a Business
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Creating customized financial strategies for the challenges that today’s families face.
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529 Plans: A Powerful Tool to Save for Education
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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.
Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
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Working closely with you to guide your wealth and investments through the most challenging market cycles.
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Iran Conflict: Seven Takeaways for Investors
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
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- Retirement plan participants
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A Simple Six-Step Retirement Checkup
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Ready to start a conversation? Contact Bluestone Planning Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley 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
2When 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.
3Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
5Morgan 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.
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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Products 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.
9When 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.
10Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
11Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
12Morgan 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.
13Morgan 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.
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 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
2When 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.
3Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
5Morgan 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.
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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Products 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.
9When 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.
10Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
11Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
12Morgan 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.
13Morgan 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.
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), 4763067 (9/2025)
