David T Surofchek, CIMA®
Managing Director, Wealth Management, Financial Advisor, Executive Financial Services Director, Alternative Investments Director, Family Wealth Director
Phone:
(719) 577-6308(719) 577-6308
Surofchek Chao Martin Group at Morgan Stanley
Our Mission Statement
Helping you with wealth planning strategies for your life and legacy
Our Story
To those who have achieved tremendous professional and financial success, managing a career and a portfolio can be time consuming. And managing your wealth alone can involve complexities that might deter you from achieving your goals. Our clients are on a journey filled with complicated transitions: from career to retirement; from wealth accumulation to wealth distribution; and from managing it alone to working with a financial advisor.
Clients who come to the Surofchek Chao Martin Group want to focus their time and resources on what they’re passionate about today to have an impact on their family and community for the long term. They want to have dedicated financial advisors to work with to help manage the complexities around their financial household.
We focus on what’s meaningful in your life and then development strategies that can help achieve your goals. This requires multiple points of view and skill sets. For this reason, you gain access to a team of professionals who bring a breadth of perspective that leads to practical solutions based on true objectivity.
The process begins with an in-depth conversation that goes well beyond investments to address what you care about most. It leads to a plan that is designed to help you minimize financial risk, protect and pass on your life’s rewards, and support those that have made a meaningful difference in your life.
Clients who come to the Surofchek Chao Martin Group want to focus their time and resources on what they’re passionate about today to have an impact on their family and community for the long term. They want to have dedicated financial advisors to work with to help manage the complexities around their financial household.
We focus on what’s meaningful in your life and then development strategies that can help achieve your goals. This requires multiple points of view and skill sets. For this reason, you gain access to a team of professionals who bring a breadth of perspective that leads to practical solutions based on true objectivity.
The process begins with an in-depth conversation that goes well beyond investments to address what you care about most. It leads to a plan that is designed to help you minimize financial risk, protect and pass on your life’s rewards, and support those that have made a meaningful difference in your life.
Services Include
- Wealth ManagementFootnote1
- Asset Management
- Executive Benefit ServicesFootnote2
- Financial PlanningFootnote3
- Retirement PlanningFootnote4
- 401(k) Rollovers
- 529 PlansFootnote5
- Alternative InvestmentsFootnote6
- Cash ManagementFootnote7
- Estate Planning StrategiesFootnote8
- Lending Products
- Stock Option PlansFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Designations & Awards
CFP® - Certified Financial Planner™ (Jason Chao, Ann Ries)
The Certified Financial Planner™ designation is awarded to candidates who have demonstrated knowledge in the areas of Education, Investment, Tax, Retirement, Estate and Insurance planning strategies. CFP® professionals must accrue several years of experience related to delivering financial planning services to clients and pass a comprehensive exam before calling themselves a CFP® Professional and are held to strict ethical standards to help ensure financial planning recommendations are in the best interest of their clients.
Disclaimer:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Disclaimer:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
CIMA® – Certified Investment Management Analyst (David Surofchek, Jason Chao, Jorge Rodriguez)
Certified Investment Management Analyst® (CIMA®) certification is one of the peak international, technical portfolio construction programs for investment consultants, analysts, financial advisors and wealth management professionals. CIMA® certification continues to be one of the highest levels of advanced investment education for client-facing advisors.
CRPS® - Chartered Retirement Plans Specialist® (Scott Martin, Ann Ries, Grace Lobato)
The Chartered Retirement Plans Specialist® is a credential awarded by the College for Financial Planning for advisors focused on creating, implementing and maintaining retirement plans for businesses. The core areas of focus include IRAs, plans for small businesses, defined contribution plans, defined benefit plans and plan sponsors' fiduciary issues.
CFS® - Certified Fund Specialist (Jorge Rodriguez)
As the name implies, an individual with this certification has demonstrated his or her knowledge in mutual funds and the mutual fund industry. These individuals often advise clients on which funds to invest in and, depending on whether or not they have their license, they will buy and sell funds for clients. The Institute of Business and Finance (IBF), formerly known as the Institute of Certified Fund Specialists, provides training for the CFS, and the course focuses on a variety of mutual fund topics, including portfolio theory, dollar-cost averaging and annuities. The knowledge these CFS designees hold is kept current through their continuing education requirements.
CDFA® - Certified Divorce Financial Analyst (Ann Ries)
A certified divorce financial analyst (CDFA) helps couples and their attorneys achieve equitable divorce settlements using knowledge of tax law, asset distribution, and short- and long-term financial planning. A CDFA can provide in-depth financial analysis and advice to attorneys and couples relating to the divorce. CDFAs are required to have several years of relevant experience and pass an exam designed by the Institute for Divorce Financial Analysts (IDFA) to receive the designation.
Disclaimer:
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.
Disclaimer:
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.
Forbes Best-In-State Wealth Advisor 2020: David Surofchek
David has been named as a Forbes Best in State Wealth Advisor in 2020
Source: Forbes.com (Jan 2020) 2020 Forbes Best-In- State Wealth Advisors rankings awarded in 2020. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 6/30/18 - 6/30/19. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
Source: Forbes.com (Jan 2020) 2020 Forbes Best-In- State Wealth Advisors rankings awarded in 2020. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 6/30/18 - 6/30/19. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
Forbes Best-In-State Wealth Advisor 2021: David Surofchek
David has been named as a Forbes Best in State Wealth Advisor in 2021.
Source: Forbes.com (Feb 2021) 2021 Forbes Best-In- State Wealth Advisors rankings awarded in 2021. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 6/30/19 - 6/30/20. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
Source: Forbes.com (Feb 2021) 2021 Forbes Best-In- State Wealth Advisors rankings awarded in 2021. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 6/30/19 - 6/30/20. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
Forbes Best-In-State Wealth Advisor 2022: David Surofchek
David has been named as a Forbes Best in State Wealth Advisor in 2022.
Source: Forbes.com (April 2022) 2022 Forbes Best-In- State Wealth Advisors rankings awarded in 2022. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 6/30/20 - 6/30/21. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, www.SHOOKresearch.com. ©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
Source: Forbes.com (April 2022) 2022 Forbes Best-In- State Wealth Advisors rankings awarded in 2022. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 6/30/20 - 6/30/21. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, www.SHOOKresearch.com. ©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
Barron's Top 1200: David Surofchek (2021)
David has been named to Barron's Top 1200 Advisors in 2021.
Source: Barron's.com (March 2021) Barron's Top 1,200 Financial Advisors: State-by-State ranking awarded in 2021. This ranking was determined based on an evaluation process conducted by Barron's during the period from Sept 2019- Sept 2020. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of Barron's and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC
Source: Barron's.com (March 2021) Barron's Top 1,200 Financial Advisors: State-by-State ranking awarded in 2021. This ranking was determined based on an evaluation process conducted by Barron's during the period from Sept 2019- Sept 2020. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of Barron's and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC
Barron's Top 1200: David Surofchek (2022)
David has been named to Barron's Top 1200 Advisors in 2022.
Source: Barron's.com (March 2022) 2022 Barron's Top 1,200 Financial Advisors: State-by-State ranking awarded in 2022. This ranking was determined based on an evaluation process conducted by Barron's during the period from Sept 2020 - Sept 2021. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of Barron's and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC
Source: Barron's.com (March 2022) 2022 Barron's Top 1,200 Financial Advisors: State-by-State ranking awarded in 2022. This ranking was determined based on an evaluation process conducted by Barron's during the period from Sept 2020 - Sept 2021. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of Barron's and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC
Forbes Best-In-State Wealth Management Teams (2023)
The Surofchek Chao Martin Group at Morgan Stanley has been named to Forbes Best-In-State Wealth Management Teams in 2023.
Source: Forbes.com (January 2023) 2023 Forbes Best-In-State Wealth Management Teams ranking awarded in 2023. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 3/31/21 – 3/31/22. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC for placement on its ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience; investors must carefully choose the right Financial Advisor or team for their own situation and perform their own due diligence. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com. ©2023 Morgan Stanley Smith Barney LLC. Member SIPC.
Source: Forbes.com (January 2023) 2023 Forbes Best-In-State Wealth Management Teams ranking awarded in 2023. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 3/31/21 – 3/31/22. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC for placement on its ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience; investors must carefully choose the right Financial Advisor or team for their own situation and perform their own due diligence. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com. ©2023 Morgan Stanley Smith Barney LLC. Member SIPC.
Barron's Top 1200: David Surofchek (2023)
David has been named to Barron's Top 1200 Advisors in 2023.
Source: Barron's.com (March 2023) Barron's Top 1,200 Financial Advisors: State-by-State ranking awarded in 2023. This ranking was determined based on an evaluation process conducted by Barron's during the period from Sept 2021 - Sept 2022. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of Barron's and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved. ©2023 Morgan Stanley Smith Barney LLC. Member SIPC.
Source: Barron's.com (March 2023) Barron's Top 1,200 Financial Advisors: State-by-State ranking awarded in 2023. This ranking was determined based on an evaluation process conducted by Barron's during the period from Sept 2021 - Sept 2022. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of Barron's and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved. ©2023 Morgan Stanley Smith Barney LLC. Member SIPC.
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The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Learn More About Total Wealth ViewThe ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
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WHO AND WHAT IS A EQUITY COMPENSATION WORKPLACE ADVISOR?
Morgan Stanley Equity Compensation Workplace Advisors are financial advisors who receive unique training and education on company specific plans to service their clients’ needs. These designated advisors can help you determine how your equity compensation fits into your overall goals and financial strategy; they utilize the resources and tools of Morgan Stanley Wealth Management including goals based strategies, personalized financial plans and customized solutions.
Equity Compensation Workplace Advisors are positioned to service and educate on the full suite of workplace benefits and can help you address questions related to grants/awards, vesting events, restricted stock units, and more. Some common types of equity compensation include: Restricted Stock Units (RSUs), Stock Options and Employee Stock Purchase Plans (ESPPs). Companies may offer a combination of equity compensation offerings to employees. For many, equity in their company is an important piece of their full financial picture and since everyone’s situation is unique, a Morgan Stanley Equity Compensation Workplace Advisor can help create a plan that caters specifically to your needs and goals.
Equity Compensation Workplace Advisors are positioned to service and educate on the full suite of workplace benefits and can help you address questions related to grants/awards, vesting events, restricted stock units, and more. Some common types of equity compensation include: Restricted Stock Units (RSUs), Stock Options and Employee Stock Purchase Plans (ESPPs). Companies may offer a combination of equity compensation offerings to employees. For many, equity in their company is an important piece of their full financial picture and since everyone’s situation is unique, a Morgan Stanley Equity Compensation Workplace Advisor can help create a plan that caters specifically to your needs and goals.
Equity Compensation 101
Stock Options
Restricted Stock Units (RSU)
Employee Stock Purchase Plans (ESPP)
Location
121 South Tejon St
Suite 700
Colorado Springs, CO 80903
US
Direct:
(719) 577-6305(719) 577-6305
Meet Surofchek Chao Martin Group
Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Director, Executive Financial Services Director, Alternative Investments Director
Phone:
(719) 577-6310(719) 577-6310
Scott Martin, CRPS®
Senior Vice President, Financial Advisor, Portfolio Manager, Lending Specialist
Phone:
(719) 577-6342(719) 577-6342
Ann Ries, CFP®, CRPS®, CDFA®
First Vice President, Financial Advisor
Phone:
(719) 577-6333(719) 577-6333
Jorge Rodriguez, CIMA®, CFS
Vice President, Wealth Management, Financial Advisor, Executive Financial Services Director, Workplace Advisor - Equity Compensation, Financial Planning Specialist, Alternative Investments Director
Phone:
(719) 577-6318(719) 577-6318
Grace Lobato, CRPS®
Financial Advisor
Phone:
(719) 577-6307(719) 577-6307
Jeff Jonasen
Business Development Director
Phone:
(719) 577-6386(719) 577-6386
Lanelle Morin
Portfolio Associate
Phone:
(719) 475-3617(719) 475-3617
Stella Esparza
Financial Advisor Associate
Phone:
(719) 577-6320(719) 577-6320
Cheryl Cowan
Registered Client Service Associate
Phone:
(719) 577-6304(719) 577-6304
Evan Kay
Wealth Management Analyst
Phone:
(719) 577-6382(719) 577-6382
Arthur Marsden
Registered Client Service Associate
Phone:
(719) 577-6352(719) 577-6352
About David T Surofchek
David Surofchek started his tenure at Morgan Stanley in 2000. David earned his Bachelor's degree in Accounting from Ferris State University in Big Rapids, Michigan. David has a strong focus in Financial Planning, Alternatives Investments, and Working with Corporate Executives. He was named one of Forbes Best-in-State Wealth Advisors in 2019, 2020, 2021 and 2022, and was named to Barron's Top 1,200 Advisors list in 2021 and 2022.
David has 26 years of experience in the financial services industry. He is a Managing Director in Wealth Management, a Financial Advisor, an Executive Financial Services Director, and an Alternative Investments Director. His responsibilities include building deep relationships with his executive clients, who work for Fortune 100 companies. David focuses on his experience with high level executives - and is highly adept at building relationships and maintaining trust.
At his time at Ferris State University, David was a decorated collegiate wrestler, earning All-American honors all 4 years of eligibility and finishing as a national runner-up his senior year. After college competition he lived at the Olympic training center for seven years whilst training for the Greco Roman Olympic team, and was named as an alternate for the 1996 and 2000 USA Olympic Greco Roman wrestling teams. David has continued his involvement with the USA Wrestling organization in different capacities over the years, including his involvement as a coach, volunteer, and as a donor. David and his wife now dedicate their time to their three sons, in helping them excel in their academic and athletic pursuits.
David has 26 years of experience in the financial services industry. He is a Managing Director in Wealth Management, a Financial Advisor, an Executive Financial Services Director, and an Alternative Investments Director. His responsibilities include building deep relationships with his executive clients, who work for Fortune 100 companies. David focuses on his experience with high level executives - and is highly adept at building relationships and maintaining trust.
At his time at Ferris State University, David was a decorated collegiate wrestler, earning All-American honors all 4 years of eligibility and finishing as a national runner-up his senior year. After college competition he lived at the Olympic training center for seven years whilst training for the Greco Roman Olympic team, and was named as an alternate for the 1996 and 2000 USA Olympic Greco Roman wrestling teams. David has continued his involvement with the USA Wrestling organization in different capacities over the years, including his involvement as a coach, volunteer, and as a donor. David and his wife now dedicate their time to their three sons, in helping them excel in their academic and athletic pursuits.
Securities Agent: WI, VA, SC, IL, NJ, ND, NC, MI, MD, KY, WY, SD, OK, NY, CT, AR, UT, TX, OR, NM, MS, ME, AL, MT, LA, HI, CO, VT, NV, NE, MO, MN, MA, ID, CA, IA, DE, DC, AZ, OH, KS, GA, WA, PA, IN, FL, TN, NH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1339257
NMLS#: 1339257
About Jason Chao
Jason Chao began his investment career in 2005. As a Financial Advisor, Executive Financial Services Director, and Portfolio director, his primary responsibilities include financial planning with corporate executives, working with concentrated stock positions, and 10b5-1 plans.
Jason is a Certified Financial Planner™ and has earned the Certified Investment Management Analyst® certification from the Yale School of Management. He holds the Family Wealth Director and Executive Financial Services Director designations and is a Senior Vice President. Jason joined less than 4% of Morgan Stanley Financial Advisors who have completed the firm’s rigorous Family Wealth Director program as of December 2022. Catered to the needs of ultra-high net worth clients, this designation allows Jason and his team specialized access to the firm’s Family Office Resources. With 18 years of industry experience, Jason focuses on working with senior level management and executives, as well as equity compensation and executive benefits. With his in depth knowledge and understanding of the distinctive planning complexities when it comes to the various forms of executive compensations, Jason and his team strive to work with your family to safely assist your journey from successful career to an impactful retirement and seeking to secure your legacy for future generations.
Jason earned his Bachelor's degree in English and Writing from Southern Oregon University, and his MBA in Finance and Management from the University of Colorado at Colorado Springs. While at the Southern Oregon University, Jason was a member of the wrestling team where he received Academic All-American honors. Prior to his career in the financial industry, Jason was an athlete at the Olympic Training Center, where he competed in the sport of Greco-Roman wrestling. He was a participant in the 2004 US Olympic Team Trials in Greco-Roman Wrestling. Jason remains active in the sport of wrestling by coaching local youth and high school teams. In his spare time, Jason is an avid scuba diver and mountain biker.
Disclaimer:
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Jason is a Certified Financial Planner™ and has earned the Certified Investment Management Analyst® certification from the Yale School of Management. He holds the Family Wealth Director and Executive Financial Services Director designations and is a Senior Vice President. Jason joined less than 4% of Morgan Stanley Financial Advisors who have completed the firm’s rigorous Family Wealth Director program as of December 2022. Catered to the needs of ultra-high net worth clients, this designation allows Jason and his team specialized access to the firm’s Family Office Resources. With 18 years of industry experience, Jason focuses on working with senior level management and executives, as well as equity compensation and executive benefits. With his in depth knowledge and understanding of the distinctive planning complexities when it comes to the various forms of executive compensations, Jason and his team strive to work with your family to safely assist your journey from successful career to an impactful retirement and seeking to secure your legacy for future generations.
Jason earned his Bachelor's degree in English and Writing from Southern Oregon University, and his MBA in Finance and Management from the University of Colorado at Colorado Springs. While at the Southern Oregon University, Jason was a member of the wrestling team where he received Academic All-American honors. Prior to his career in the financial industry, Jason was an athlete at the Olympic Training Center, where he competed in the sport of Greco-Roman wrestling. He was a participant in the 2004 US Olympic Team Trials in Greco-Roman Wrestling. Jason remains active in the sport of wrestling by coaching local youth and high school teams. In his spare time, Jason is an avid scuba diver and mountain biker.
Disclaimer:
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Securities Agent: NH, DE, WY, WA, VT, VA, UT, TX, TN, SD, PA, OR, OK, OH, NY, NV, NM, NJ, NE, ND, NC, SC, MT, MS, MO, MN, MI, ME, MD, WI, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DC, CT, CO, CA, AZ, AR, AL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1261831
CA Insurance License #: 0I37653
NMLS#: 1261831
CA Insurance License #: 0I37653
About Scott Martin
Scott started in the financial industry in 1999 and holds the Chartered Retirement Plans Specialist professional designation. He resides in Colorado Springs with his wife Corina and their two children. He is an avid outdoors man and enjoys hiking, biking and camping with his family. Scott is originally from Wisconsin where swam competitively for the University of Wisconsin - Whitewater.
Securities Agent: IL, NE, IN, CT, CA, SD, OR, MO, AL, WA, OK, CO, VT, TX, TN, MS, UT, MN, WY, MD, ND, NC, OH, WI, MA, NY, KY, NM, ID, HI, IA, KS, FL, MT, GA, AR, SC, PA, NJ, NV, LA, ME, MI, AZ, VA, DC, NH, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 1312629
NMLS#: 1312629
About Ann Ries
Drawing upon her extensive experience in organizational and management roles, Ann offers a comprehensive range of financial services to her clients. Her primary focus encompasses investment planning, comprehensive financial planning, and assisting clients in achieving their short- and long-term financial objectives.
Ann embarked on her career journey with Morgan Stanley in 2005. Throughout that time, she has attained the CFP® (Certified Financial Planner) designation from the Certified Financial Planning Board in 2014, followed by the CRPS® (Certified Retirement Planning Specialist) designation from the College of Financial Planning in 2018. Additionally, Ann earned her CDFA (Certified Divorce Financial Analyst) designation from the Institute for Divorce Financial Analysts, further enriching her skillset.
Within Morgan Stanley's Wealth Management Division, Ann holds the position of Vice President and serves as a dedicated Financial Advisor. Her leadership extends beyond her professional role as she served as the Past-President of the Colorado Springs Estate Planning Council. Furthermore, she holds a National Security Advisor Certificate. Ann's educational foundation is built upon a B.S. degree in accounting, which she earned from the National American University in 1999. Complementing her bachelor's degree, she also holds an Associate of Applied Science degree.
Ann has been a resident of Colorado Springs since 1984. She finds joy in outdoor activities and treasures quality time spent with family and friends. Committed to community service, she regularly volunteers with Care and Share, contributing to charitable causes and will be a Board member for the “Colorado Springs Nursery Centers Foundation Board” starting in January of 2024.
Ann embarked on her career journey with Morgan Stanley in 2005. Throughout that time, she has attained the CFP® (Certified Financial Planner) designation from the Certified Financial Planning Board in 2014, followed by the CRPS® (Certified Retirement Planning Specialist) designation from the College of Financial Planning in 2018. Additionally, Ann earned her CDFA (Certified Divorce Financial Analyst) designation from the Institute for Divorce Financial Analysts, further enriching her skillset.
Within Morgan Stanley's Wealth Management Division, Ann holds the position of Vice President and serves as a dedicated Financial Advisor. Her leadership extends beyond her professional role as she served as the Past-President of the Colorado Springs Estate Planning Council. Furthermore, she holds a National Security Advisor Certificate. Ann's educational foundation is built upon a B.S. degree in accounting, which she earned from the National American University in 1999. Complementing her bachelor's degree, she also holds an Associate of Applied Science degree.
Ann has been a resident of Colorado Springs since 1984. She finds joy in outdoor activities and treasures quality time spent with family and friends. Committed to community service, she regularly volunteers with Care and Share, contributing to charitable causes and will be a Board member for the “Colorado Springs Nursery Centers Foundation Board” starting in January of 2024.
Securities Agent: NE, NC, AR, WA, OR, NM, MN, ME, KS, ID, IA, OH, NH, CT, AZ, WI, UT, MI, HI, CO, CA, WY, OK, ND, FL, DE, SD, NY, KY, DC, TX, MO, MA, GA, AL, VA, SC, PA, LA, IL, NV, MD, TN, NJ, MT, MS, IN, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 1587181
NMLS#: 1587181
About Jorge Rodriguez
Jorge joined the team in 2012. He has held several positions within the team and currently focuses on assisting the advisors with financial planning, portfolio management, and client relationship management. Jorge holds a BS degree in Finance from the University of Colorado. In addition, he has completed the Accredited Portfolio Management Advisor course through the College for Financial Planning.
Jorge is an avid soccer fan and enjoys traveling in his spare time.
Jorge is an avid soccer fan and enjoys traveling in his spare time.
Securities Agent: AZ, SD, MT, FL, VT, OR, NM, NE, ND, MS, MN, ME, KS, IA, HI, DC, NC, KY, GA, CO, TX, CA, TN, PA, IN, IL, DE, CT, AL, WI, NY, MI, OK, OH, NJ, NH, ID, AR, WA, SC, MO, MA, LA, WY, VA, MD, UT, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1655526
CA Insurance License #: #0M57061
NMLS#: 1655526
CA Insurance License #: #0M57061
About Grace Lobato
Grace is a dedicated financial advisor with 5 years of experience at Morgan Stanley and the industry. Grace received her Bachelor of Science degree in marketing and her master’s degree in business from Colorado State University-Pueblo. Grace holds her Chartered Retirement Plan’s Specialist (CRPS) professional designation.
Grace has a strong focus on providing personalized services, taking pride in long lasting, meaningful relationships with her clients based on trust and transparency to achieve long term goals. A designated professional in Equity Compensation, she is committed to understanding client needs to provide the best possible strategy that is unique and aligns directly to specific objectives.
When she is not with clients, Grace enjoys being active and enjoying the outdoors, as well as spending time with family and friends.
Grace has a strong focus on providing personalized services, taking pride in long lasting, meaningful relationships with her clients based on trust and transparency to achieve long term goals. A designated professional in Equity Compensation, she is committed to understanding client needs to provide the best possible strategy that is unique and aligns directly to specific objectives.
When she is not with clients, Grace enjoys being active and enjoying the outdoors, as well as spending time with family and friends.
Securities Agent: WA, HI, WY, WI, WV, RI, LA, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 2318732
NMLS#: 2318732
About Jeff Jonasen
Jeff Jonasen has worked in the financial services industry since 2005. The early years of his career were spent supporting retirement plan participants with their 401k needs at T. Rowe Price. In 2008, Jeff joined Charles Schwab where he worked in variety of capacities, leading multiple business units. During his professional career Jeff has led multiple teams of financial services professionals in supporting corporate clients and plan participants with their financial wellness needs.
Jeff has a bachelor’s degree in Business Administration from Colorado Mesa University, and holds his FINRA Series 6, 7, 63, 66, 9 & 10 securities licenses.
In his spare time, you will find Jeff making memories with his wife Shelly and two boys Ryker and Weston. They enjoy spending their family time in the mountains fly fishing, biking, hiking, and snowboarding.
Jeff has a bachelor’s degree in Business Administration from Colorado Mesa University, and holds his FINRA Series 6, 7, 63, 66, 9 & 10 securities licenses.
In his spare time, you will find Jeff making memories with his wife Shelly and two boys Ryker and Weston. They enjoy spending their family time in the mountains fly fishing, biking, hiking, and snowboarding.
About Stella Esparza
Stella Esparza started working at Morgan Stanley in July 2021 as a Registered Client Service Associate. However, she has been working with the Surofchek Chao Martin Group since 2018, which she was a Summer Intern in the summer of 2018 and 2019.
In May 2021, Stella graduated Summa Cum Laude from the University of Colorado Denver with degrees in Finance, Accounting and Financial Management. During her time at CU Denver, she was a part of many community outreach programs, including being a mentor for scholarship recipients. She believes that opportunity shaped her into the woman she is today, and she hopes to continue to help people in the future.
In her free time, Stella loves to hang out with her family and their three Yorkie puppies. She likes to say that having three sisters’ means that her life is never boring. When not with her family, she is usually binging the newest streaming show, reading a Julia Quinn novel or finding the next best restaurant.
In May 2021, Stella graduated Summa Cum Laude from the University of Colorado Denver with degrees in Finance, Accounting and Financial Management. During her time at CU Denver, she was a part of many community outreach programs, including being a mentor for scholarship recipients. She believes that opportunity shaped her into the woman she is today, and she hopes to continue to help people in the future.
In her free time, Stella loves to hang out with her family and their three Yorkie puppies. She likes to say that having three sisters’ means that her life is never boring. When not with her family, she is usually binging the newest streaming show, reading a Julia Quinn novel or finding the next best restaurant.
Securities Agent: OH, WI, SC, PA, NH, DE, SD, NY, NE, LA, KY, MD, KS, AL, CO, ME, IA, ND, ID, DC, CA, VA, TX, NM, WY, VT, IL, FL, AZ, TN, IN, HI, GA, AR, OK, NJ, MS, MN, MA, CT, WA, UT, OR, NV, NC, MT, MO, MI; General Securities Representative; Investment Advisor Representative
About Evan Kay
Evan began working at Morgan Stanley in September 2022 as a Client Service Associate. Evan spent the previous two years working as a tax preparer for Nelson & Company in Colorado Springs straight out of college.
Evan graduated from Colorado State University in 2018, receiving a dual degree in Accounting and Corporate Finance. While there, he was a member in clubs of both Accounting and Finance, and excelled (or tried) in every intramural sport available. He then returned in 2019 to complete his Masters in Accountancy with a concentration in taxation.
Evan is a licensed, non-practicing CPA who wishes to use this dedicated knowledge to help the team in any aspect. When Evan is not working or studying for his next exam, you can find him watching his favorite sports teams or on the golf course.
Evan graduated from Colorado State University in 2018, receiving a dual degree in Accounting and Corporate Finance. While there, he was a member in clubs of both Accounting and Finance, and excelled (or tried) in every intramural sport available. He then returned in 2019 to complete his Masters in Accountancy with a concentration in taxation.
Evan is a licensed, non-practicing CPA who wishes to use this dedicated knowledge to help the team in any aspect. When Evan is not working or studying for his next exam, you can find him watching his favorite sports teams or on the golf course.
Contact David T Surofchek
Contact Jason Chao
Contact Scott Martin
Contact Ann Ries
Contact Jorge Rodriguez
Contact Grace Lobato
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
Fred Frillman
Private Banker
About Fred Frillman
Fred Frillman is a Private Banker serving Morgan Stanley Wealth Management offices in Colorado, Utah, and Wyoming.
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.
Fred began his career in financial services in 1995, and joined Morgan Stanley in 2022 as a Private Banker. Prior to joining the firm, he was a Sr. Wealth Management Lending Officer at Bank of America/Merrill Lynch.
Fred is a graduate of the University of Missouri – St. Louis, where he received a Bachelor of Science in Business Administration. He lives in Colorado Springs, CO with his family. Outside of the office, Fred enjoys trail running, mountain climbing, skiing, and playing golf. In November of 2023, he completed the NYC Marathon.
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.
Fred began his career in financial services in 1995, and joined Morgan Stanley in 2022 as a Private Banker. Prior to joining the firm, he was a Sr. Wealth Management Lending Officer at Bank of America/Merrill Lynch.
Fred is a graduate of the University of Missouri – St. Louis, where he received a Bachelor of Science in Business Administration. He lives in Colorado Springs, CO with his family. Outside of the office, Fred enjoys trail running, mountain climbing, skiing, and playing golf. In November of 2023, he completed the NYC Marathon.
NMLS#: 792152
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
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Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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Financial Planning for Life After Selling a Business
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact Surofchek Chao Martin Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 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.
4When 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.
5Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
6Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
7Morgan 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
8Morgan 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 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.
4When 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.
5Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
6Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
7Morgan 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
8Morgan 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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
CRC 6491812 (04/2024), 3582895 (6/2024)
