Tom Bardwell, CFP®
Senior Vice President, Wealth Management, Portfolio Management Director, Family Wealth Advisor, Financial Advisor
Susan Wilson
Executive Director, Wealth Management,
Financial Advisor,
Family Wealth Advisor,
Alternative Investments Director
Direct:
(941) 364-7476(941) 364-7476
Toll-Free:
(800) 237-9441(800) 237-9441
My Mission Statement
Partnering with clients to provide objective, high quality advice and services to simplify their life and provide peace of mind.
My Story
As an Executive Director and Financial Advisor, Susan Wilson has been helping clients build generational wealth for over four decades. She and her partners, Financial Advisors Tom Bardwell and Mike Osterman, manage the Sarasota branch of Cornerstone Capital Group at Morgan Stanley.
“Our wealth management team of six is recognized as a 2025 Forbes Best-In-State Wealth Management Team,” says Susan, who was also recognized by Forbes as one of the Top Women Wealth Advisors from 2020 through 2025, as well as a Best in State Wealth Advisor for 2022, 2023, 2024, and 2025. “It is a great honor to be surrounded by a great team of professionals who put clients first.”
Complementing a long-held career in finance, Susan and her husband, Charlie, are very involved with local organizations where they are both active supporters of the local performing arts scene and notable nonprofits in Sarasota.
One of their main focuses includes youth education at The Sarasota Ballet through Dance – The Next Generation, and Sarasota Orchestra’s Youth Orchestra Program, where children and young adults develop their skills and appreciation for music through performance opportunities with the full orchestra in their Side-by-Side program. Susan and her husband are also Ambassadors for the Westcoast Black Theatre Group where they support the summer camp Stage of Discovery for young aspiring performers. Past volunteer work included serving ten years on the Gala Committee of the Safe Place and Rape Crisis Center (SPARCC) where much-needed funds are raised for victims of sexual and domestic abuse in our community.
In her free time, Susan enjoys traveling, playing golf, socializing with friends at Bird Key Yacht Club and caring for her Toy Aussie Shepherd, Storm.
Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC for the period 9/30/23 - 9/30/24.
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC for the period 9/30/23 - 9/30/24.
“Our wealth management team of six is recognized as a 2025 Forbes Best-In-State Wealth Management Team,” says Susan, who was also recognized by Forbes as one of the Top Women Wealth Advisors from 2020 through 2025, as well as a Best in State Wealth Advisor for 2022, 2023, 2024, and 2025. “It is a great honor to be surrounded by a great team of professionals who put clients first.”
Complementing a long-held career in finance, Susan and her husband, Charlie, are very involved with local organizations where they are both active supporters of the local performing arts scene and notable nonprofits in Sarasota.
One of their main focuses includes youth education at The Sarasota Ballet through Dance – The Next Generation, and Sarasota Orchestra’s Youth Orchestra Program, where children and young adults develop their skills and appreciation for music through performance opportunities with the full orchestra in their Side-by-Side program. Susan and her husband are also Ambassadors for the Westcoast Black Theatre Group where they support the summer camp Stage of Discovery for young aspiring performers. Past volunteer work included serving ten years on the Gala Committee of the Safe Place and Rape Crisis Center (SPARCC) where much-needed funds are raised for victims of sexual and domestic abuse in our community.
In her free time, Susan enjoys traveling, playing golf, socializing with friends at Bird Key Yacht Club and caring for her Toy Aussie Shepherd, Storm.
Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC for the period 9/30/23 - 9/30/24.
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC for the period 9/30/23 - 9/30/24.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Trust Services*
- Philanthropic Services
- Business Succession PlanningFootnote4
- Qualified Retirement PlansFootnote5
- Planning for Education FundingFootnote6
- Professional Portfolio ManagementFootnote7
- Sustainable InvestingFootnote8
Securities Agent: VI, CO, TN, OR, OK, OH, MO, CA, AK, WY, NY, NM, NJ, ND, MN, MA, LA, AL, WI, NH, MI, ME, AZ, AR, MT, CT, UT, TX, NC, DC, WA, MS, GA, PA, KS, IN, FL, SC, IA, MD, KY, IL, HI, DE, VA, SD, RI, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1255614
NMLS#: 1255614
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
As an Executive Director and Financial Advisor, Susan Wilson has been helping clients build generational wealth for over four decades. She and her partners, Financial Advisors Tom Bardwell and Mike Osterman, manage the Sarasota branch of Cornerstone Capital Group at Morgan Stanley.
“Our wealth management team of six is recognized as a 2025 Forbes Best-In-State Wealth Management Team,” says Susan, who was also recognized by Forbes as one of the Top Women Wealth Advisors from 2020 through 2025, as well as a Best in State Wealth Advisor for 2022, 2023, 2024, and 2025. “It is a great honor to be surrounded by a great team of professionals who put clients first.”
Complementing a long-held career in finance, Susan and her husband, Charlie, are very involved with local organizations where they are both active supporters of the local performing arts scene and notable nonprofits in Sarasota.
One of their main focuses includes youth education at The Sarasota Ballet through Dance – The Next Generation, and Sarasota Orchestra’s Youth Orchestra Program, where children and young adults develop their skills and appreciation for music through performance opportunities with the full orchestra in their Side-by-Side program. Susan and her husband are also Ambassadors for the Westcoast Black Theatre Group where they support the summer camp Stage of Discovery for young aspiring performers. Past volunteer work included serving ten years on the Gala Committee of the Safe Place and Rape Crisis Center (SPARCC) where much-needed funds are raised for victims of sexual and domestic abuse in our community.
In her free time, Susan enjoys traveling, playing golf, socializing with friends at Bird Key Yacht Club and caring for her Toy Aussie Shepherd, Storm.
“Our wealth management team of six is recognized as a 2025 Forbes Best-In-State Wealth Management Team,” says Susan, who was also recognized by Forbes as one of the Top Women Wealth Advisors from 2020 through 2025, as well as a Best in State Wealth Advisor for 2022, 2023, 2024, and 2025. “It is a great honor to be surrounded by a great team of professionals who put clients first.”
Complementing a long-held career in finance, Susan and her husband, Charlie, are very involved with local organizations where they are both active supporters of the local performing arts scene and notable nonprofits in Sarasota.
One of their main focuses includes youth education at The Sarasota Ballet through Dance – The Next Generation, and Sarasota Orchestra’s Youth Orchestra Program, where children and young adults develop their skills and appreciation for music through performance opportunities with the full orchestra in their Side-by-Side program. Susan and her husband are also Ambassadors for the Westcoast Black Theatre Group where they support the summer camp Stage of Discovery for young aspiring performers. Past volunteer work included serving ten years on the Gala Committee of the Safe Place and Rape Crisis Center (SPARCC) where much-needed funds are raised for victims of sexual and domestic abuse in our community.
In her free time, Susan enjoys traveling, playing golf, socializing with friends at Bird Key Yacht Club and caring for her Toy Aussie Shepherd, Storm.
Our Team
The Cornerstone Capital Group has an extensive team of seasoned professionals with a complementary set of skills, knowledge and experience. Together, we provide highly customized advice and comprehensive wealth management services to individuals and families located throughout the country.
Our planning process helps you prepare for all of life's milestones - your children's education, your business succession, your retirement, your estate and your ideal future. Working cooperatively with your accountants, attorneys and other trusted professionals, we help you build a comprehensive plan that encompasses all aspects of your life.
Our investment process starts with having a strong understanding of economics and we are well versed in the equity and fixed income markets. Carefully crafting each portfolio, we emphasize diversification, tax efficiency, risk mitigation, capital preservation and long-term growth. This results in making appropriate asset allocation decisions for each client. Our Portfolio Managers then use technical and analytical experience to conduct the research and due diligence for every specific recommendation we make.
Our goal is to become trusted stewards of your wealth, here to help you make informed decisions on every financial challenge you face. We are committed to helping you preserve and build your wealth and will work to strengthen your family's financial security for generations to come.
Our planning process helps you prepare for all of life's milestones - your children's education, your business succession, your retirement, your estate and your ideal future. Working cooperatively with your accountants, attorneys and other trusted professionals, we help you build a comprehensive plan that encompasses all aspects of your life.
Our investment process starts with having a strong understanding of economics and we are well versed in the equity and fixed income markets. Carefully crafting each portfolio, we emphasize diversification, tax efficiency, risk mitigation, capital preservation and long-term growth. This results in making appropriate asset allocation decisions for each client. Our Portfolio Managers then use technical and analytical experience to conduct the research and due diligence for every specific recommendation we make.
Our goal is to become trusted stewards of your wealth, here to help you make informed decisions on every financial challenge you face. We are committed to helping you preserve and build your wealth and will work to strengthen your family's financial security for generations to come.
Working With You
We are confident you will not find a team of professionals more committed to helping you reach your objectives. To that end, we believe in the following principles which serve as the foundation of our practice:
Client-Advisor Fit
Our Relationship is the right fit. A successful relationship begins with the right fit between client and advisor. We limit the number of clients we serve and are proud to work with families who seek the type of long-term, fully-engaged relationship we offer. The bond we form is fundamental to our mission.
Consistent, Long-Term Service
A differentiated level of service. We value long-term relationships and are available to address your needs beyond the traditional work week. We're also honored that our client relationships span decades and generations; our clients not only trust us to help build their futures, but the futures of their children and grandchildren.
Lifestyle Financial Planning
Planning for your lifestyle. You've dedicated your life to creating wealth for yourself and your family; now is the time to enjoy the benefits of your labor. Using your goals as our guide, we create a financial strategy aimed at helping you create and maintain the lifestyle you desire.
Knowledge & Experience
Experience and education. Our team leverages years of experience and believes in continued education as a means to provide the highest quality of advice and guidance. With our combined experience in the banking, insurance and financial services industry, as well as our advanced certifications, we provide up-to-date ideas and solutions to our clients.
2022-2025 Forbes America's Top Women Wealth Advisors & Top Women Wealth Advisors Best-In- State
2022-2025 Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award
2023 Master's Club
Morgan Stanley has announced that Susan Wilson in its prestigious Master’s Club, an elite group composed of the Firm’s top Financial Advisors.
2022-2025 Forbes Best in State Wealth Advisors
2022-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2022 - 2025 Forbes Top Women Wealth Advisors Best-In-State
2022-2025 Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2020 - 2021 Forbes Top Women Wealth Advisors
2020-2021Forbes America's Top Women Wealth Advisors (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded I2020-2021). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Source: Forbes.com (Awarded I2020-2021). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2023-2025 Forbes Best-In-State Wealth Management Teams
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2025. Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Source: Forbes.com (Awarded 2023-2025. Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Location
2 North Tamiami Trail
Ste 1100
Sarasota, FL 34236
US
Direct:
(941) 364-7476(941) 364-7476
Toll-Free:
(800) 237-9441(800) 237-9441
Fax:
(941) 951-2513(941) 951-2513
Meet My Team
Susan Wilson
Executive Director, Senior Vice President, Wealth Management, Family Wealth Advisor, Alternative Investments Director, Financial Advisor
T. Michael Osterman
Morgan Stanley Wealth Management, Senior Vice President-Investments, Financial Planning Specialist
Rylan Lanham
Financial Advisor, Financial Planning Specialist, Pacesetter’s Club Member, 2021, 2022
Susan Knight
Sr. Registered Associate, Financial Planning Specialist
Adrienne Lambers
Senior Registered Client Service Associate
Phone:
(941) 364-3583(941) 364-3583
About Tom Bardwell
With over two decades of experience in the financial services industry, Tom Bardwell has established himself as a trusted advisor, catering to affluent individuals, families, and institutional clients since 1999. His journey began at Van Kampen Investments, where he acquired a deep understanding of portfolio management and asset allocation strategies.
From late 2005 until 2008, Tom assumed the position of Manager of the Central Illinois Complex for Morgan Stanley, further refining his leadership acumen. In 2008, he joined the Cornerstone Capital Group at Morgan Stanley, leveraging his expertise to optimize investment portfolios and implement effective planning strategies for both individuals and institutions.
Tom's commitment to community engagement was evident during his time in Central Illinois, where he actively participated in various organizations. He served as a member of the Board of Directors for the Peoria Riverfront Museum, contributed as a member of the Campaign Cabinet for the Heart of Illinois United Way Drive, and held a Board Member position for the Central Illinois Estate Planning Council.
In 2014, Tom, accompanied by his family, made the decision to relocate to Sarasota, Florida, embarking on a new chapter by establishing a Cornerstone Capital Group office in the area. Today, he continues to serve clients nationwide, offering his comprehensive financial expertise. Tom takes great pride in his involvement in the Sarasota community, actively participating as a member of Bayside Community Church and engaging in local outreach events that aim to make a positive impact
Tom and his wife, Courtney, share the joy of raising four children while nurturing their fulfilling life in Sarasota. With his unwavering dedication and commitment to clients' financial well-being, Tom Bardwell continues to be a beacon of trust and expertise in the financial services industry.
From late 2005 until 2008, Tom assumed the position of Manager of the Central Illinois Complex for Morgan Stanley, further refining his leadership acumen. In 2008, he joined the Cornerstone Capital Group at Morgan Stanley, leveraging his expertise to optimize investment portfolios and implement effective planning strategies for both individuals and institutions.
Tom's commitment to community engagement was evident during his time in Central Illinois, where he actively participated in various organizations. He served as a member of the Board of Directors for the Peoria Riverfront Museum, contributed as a member of the Campaign Cabinet for the Heart of Illinois United Way Drive, and held a Board Member position for the Central Illinois Estate Planning Council.
In 2014, Tom, accompanied by his family, made the decision to relocate to Sarasota, Florida, embarking on a new chapter by establishing a Cornerstone Capital Group office in the area. Today, he continues to serve clients nationwide, offering his comprehensive financial expertise. Tom takes great pride in his involvement in the Sarasota community, actively participating as a member of Bayside Community Church and engaging in local outreach events that aim to make a positive impact
Tom and his wife, Courtney, share the joy of raising four children while nurturing their fulfilling life in Sarasota. With his unwavering dedication and commitment to clients' financial well-being, Tom Bardwell continues to be a beacon of trust and expertise in the financial services industry.
Securities Agent: OR, MT, UT, TX, SC, NH, ME, KS, AK, NC, MN, LA, GA, WY, RI, NY, NE, MO, HI, CA, PA, KY, IN, IA, CT, CO, AR, OK, NM, MA, DE, DC, WA, NJ, IL, AL, WI, VA, TN, OH, MS, MI, MD, FL, SD, NV, AZ; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
About Susan Wilson
As an Executive Director and Financial Advisor, Susan Wilson has been helping clients build generational wealth for over four decades. She and her partners, Financial Advisors Tom Bardwell and Mike Osterman, manage the Sarasota branch of Cornerstone Capital Group at Morgan Stanley.
“Our wealth management team of six is recognized as a 2025 Forbes Best-In-State Wealth Management Team,” says Susan, who was also recognized by Forbes as one of the Top Women Wealth Advisors from 2020 through 2025, as well as a Best in State Wealth Advisor for 2022, 2023, 2024, and 2025. “It is a great honor to be surrounded by a great team of professionals who put clients first.”
Complementing a long-held career in finance, Susan and her husband, Charlie, are very involved with local organizations where they are both active supporters of the local performing arts scene and notable nonprofits in Sarasota.
One of their main focuses includes youth education at The Sarasota Ballet through Dance – The Next Generation, and Sarasota Orchestra’s Youth Orchestra Program, where children and young adults develop their skills and appreciation for music through performance opportunities with the full orchestra in their Side-by-Side program. Susan and her husband are also Ambassadors for the Westcoast Black Theatre Group where they support the summer camp Stage of Discovery for young aspiring performers. Past volunteer work included serving ten years on the Gala Committee of the Safe Place and Rape Crisis Center (SPARCC) where much-needed funds are raised for victims of sexual and domestic abuse in our community.
In her free time, Susan enjoys traveling, playing golf, socializing with friends at Bird Key Yacht Club and caring for her Toy Aussie Shepherd, Storm.
Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC for the period 9/30/23 - 9/30/24.
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC for the period 9/30/23 - 9/30/24.
Services Include
Financial PlanningFootnote1
Retirement PlanningFootnote2
Estate Planning StrategiesFootnote3
Trust Services*
Philanthropic Services
Business Succession PlanningFootnote4
Qualified Retirement PlansFootnote5
Planning for Education FundingFootnote6
Professional Portfolio ManagementFootnote7
Sustainable InvestingFootnote8
Securities Agent: VI, CO, TN, OR, OK, OH, MO, CA, AK, WY, NY, NM, NJ, ND, MN, MA, LA, AL, WI, NH, MI, ME, AZ, AR, MT, CT, UT, TX, NC, DC, WA, MS, GA, PA, KS, IN, FL, SC, IA, MD, KY, IL, HI, DE, VA, SD, RI, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1255614
“Our wealth management team of six is recognized as a 2025 Forbes Best-In-State Wealth Management Team,” says Susan, who was also recognized by Forbes as one of the Top Women Wealth Advisors from 2020 through 2025, as well as a Best in State Wealth Advisor for 2022, 2023, 2024, and 2025. “It is a great honor to be surrounded by a great team of professionals who put clients first.”
Complementing a long-held career in finance, Susan and her husband, Charlie, are very involved with local organizations where they are both active supporters of the local performing arts scene and notable nonprofits in Sarasota.
One of their main focuses includes youth education at The Sarasota Ballet through Dance – The Next Generation, and Sarasota Orchestra’s Youth Orchestra Program, where children and young adults develop their skills and appreciation for music through performance opportunities with the full orchestra in their Side-by-Side program. Susan and her husband are also Ambassadors for the Westcoast Black Theatre Group where they support the summer camp Stage of Discovery for young aspiring performers. Past volunteer work included serving ten years on the Gala Committee of the Safe Place and Rape Crisis Center (SPARCC) where much-needed funds are raised for victims of sexual and domestic abuse in our community.
In her free time, Susan enjoys traveling, playing golf, socializing with friends at Bird Key Yacht Club and caring for her Toy Aussie Shepherd, Storm.
Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC for the period 9/30/23 - 9/30/24.
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC for the period 9/30/23 - 9/30/24.
Services Include
Financial PlanningFootnote1
Retirement PlanningFootnote2
Estate Planning StrategiesFootnote3
Trust Services*
Philanthropic Services
Business Succession PlanningFootnote4
Qualified Retirement PlansFootnote5
Planning for Education FundingFootnote6
Professional Portfolio ManagementFootnote7
Sustainable InvestingFootnote8
Securities Agent: VI, CO, TN, OR, OK, OH, MO, CA, AK, WY, NY, NM, NJ, ND, MN, MA, LA, AL, WI, NH, MI, ME, AZ, AR, MT, CT, UT, TX, NC, DC, WA, MS, GA, PA, KS, IN, FL, SC, IA, MD, KY, IL, HI, DE, VA, SD, RI, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1255614
Securities Agent: VI, CO, TN, OR, OK, OH, MO, CA, AK, WY, NY, NM, NJ, ND, MN, MA, LA, AL, WI, NH, MI, ME, AZ, AR, MT, CT, UT, TX, NC, DC, WA, MS, GA, PA, KS, IN, FL, SC, IA, MD, KY, IL, HI, DE, VA, SD, RI, NV; General Securities Representative; Investment Advisor Representative
About T. Michael Osterman
Michael Osterman brings over 30 years of Wealth Management experience to every client he advises.
As a Senior Vice President and Financial Planning Specialist, Michael was based in Chicago for 22 years before he relocated to Sarasota in 2015.
Michael’s primary responsibilities include client relationships, investment strategies, liability management and coordinating with accountants and estate attorneys to help secure client’s financial goals.
He holds a Bachelor of Science in Finance from Arizona State University, and is actively involved with various organizations, including Easter Seals and SPARCC.
Michael lives with his wife Charlotte, his son Oliver and their dog Piper. He enjoys most sports, especially skiing and surfing. He is also an active traveler and avid reader.
As a Senior Vice President and Financial Planning Specialist, Michael was based in Chicago for 22 years before he relocated to Sarasota in 2015.
Michael’s primary responsibilities include client relationships, investment strategies, liability management and coordinating with accountants and estate attorneys to help secure client’s financial goals.
He holds a Bachelor of Science in Finance from Arizona State University, and is actively involved with various organizations, including Easter Seals and SPARCC.
Michael lives with his wife Charlotte, his son Oliver and their dog Piper. He enjoys most sports, especially skiing and surfing. He is also an active traveler and avid reader.
Securities Agent: CT, OH, MA, IA, WA, VA, NM, IN, WY, RI, OK, MT, GA, FL, AK, OR, LA, HI, DE, TX, TN, AZ, NY, NJ, MO, KS, CO, SD, NC, MS, IL, PA, MN, CA, AL, VT, UT, NV, MI, MD, KY, DC, AR, WI, SC, NH, ME; General Securities Representative; Investment Advisor Representative; Managed Futures
About Rylan Lanham
Rylan K. Lanham is a highly accomplished financial advisor based in Sarasota, Florida. With a successful background in professional golf, Rylan made a seamless transition to the financial services industry on December 9th, 2014. Since then, he has obtained his series 7, 66, and insurance licenses, laying a strong foundation for his career.
Rylan embarked on his financial journey with a boutique independent firm in Sarasota, FL, where he assumed the pivotal role of financial planning coordinator for the southeastern United States. Collaborating with a diverse network of over 120 advisors, Rylan excelled in providing tailored financial planning solutions to a wide range of clients. Through rigorous analysis of numerous portfolios and financial positions, he swiftly developed an astute understanding of market dynamics and comprehensive financial planning strategies.
Recognizing his unwavering dedication and insightful vision within the financial services industry, Morgan Stanley extended an invitation to Rylan in April of 2017. Since joining their esteemed ranks, Rylan has played an integral role in spearheading the launch of Morgan Stanley's modern wealth management platform. He takes great pride in being the face of modern wealth management, effectively representing the values and expertise of the company.
Rylan strategically leverages the comprehensive ecosystem of Morgan Stanley to deliver a forward-thinking business model that embodies the future of the financial services industry. By integrating best-in-class technology, a robust regulatory framework, and world-class thought leadership, he ensures that his clients receive exceptional service and remain at the forefront of financial innovation.
Rylan’s hobbies include golfing, offshore fishing, cooking, and spending time with his wife Heather, their son Ryker Kyle, and their two cats and dogs.
Rylan embarked on his financial journey with a boutique independent firm in Sarasota, FL, where he assumed the pivotal role of financial planning coordinator for the southeastern United States. Collaborating with a diverse network of over 120 advisors, Rylan excelled in providing tailored financial planning solutions to a wide range of clients. Through rigorous analysis of numerous portfolios and financial positions, he swiftly developed an astute understanding of market dynamics and comprehensive financial planning strategies.
Recognizing his unwavering dedication and insightful vision within the financial services industry, Morgan Stanley extended an invitation to Rylan in April of 2017. Since joining their esteemed ranks, Rylan has played an integral role in spearheading the launch of Morgan Stanley's modern wealth management platform. He takes great pride in being the face of modern wealth management, effectively representing the values and expertise of the company.
Rylan strategically leverages the comprehensive ecosystem of Morgan Stanley to deliver a forward-thinking business model that embodies the future of the financial services industry. By integrating best-in-class technology, a robust regulatory framework, and world-class thought leadership, he ensures that his clients receive exceptional service and remain at the forefront of financial innovation.
Rylan’s hobbies include golfing, offshore fishing, cooking, and spending time with his wife Heather, their son Ryker Kyle, and their two cats and dogs.
Securities Agent: TN, AL, WI, WA, NC, CO, SC, RI, NY, SD, OR, MI, AZ, AK, PA, LA, FL, WY, UT, OK, NJ, ME, NH, MA, KY, IL, CA, NM, MO, MD, KS, HI, CT, VA, OH, MT, MN, IN, GA, AR, TX, NV, MS, IA, DE, DC; General Securities Representative; Investment Advisor Representative
About Susan Knight
Susan joined Morgan Stanley and its predecessors in 1984 as she was achieving her Associate Degree in Business Management. Born in Mesquite, Texas, Susan’s family moved to Long Island, NY when she was 5 years old. She ended up in Sarasota in 2018 to aid her aging parents.
Susan brings extensive knowledge and experience to the Cornerstone Capital Group. She is a Senior Registered Associate and has her Series 7, 63, 66, 9 and 10 licenses. Susan is passionate about people and works diligently in building long lasting client relationships and providing excellent client service. She provides administrative and operational support for the team’s private clients along with working closely with the Financial Advisors.
Susan enjoys the sunshine, time at the beach and outdoor activities like biking, kayaking, swimming, and walking trails. She loves to spend time with her grown kids, family, and friends. She is a member with New Day Christian Church and enjoys volunteering her time there.
Susan brings extensive knowledge and experience to the Cornerstone Capital Group. She is a Senior Registered Associate and has her Series 7, 63, 66, 9 and 10 licenses. Susan is passionate about people and works diligently in building long lasting client relationships and providing excellent client service. She provides administrative and operational support for the team’s private clients along with working closely with the Financial Advisors.
Susan enjoys the sunshine, time at the beach and outdoor activities like biking, kayaking, swimming, and walking trails. She loves to spend time with her grown kids, family, and friends. She is a member with New Day Christian Church and enjoys volunteering her time there.
About Adrienne Lambers
Adrienne began her career with Morgan Stanley in 2019 and joined the Cornerstone Capital Group in 2022. As a Senior Registered Client Service Associate, Adrienne is passionate about delivering great service. She enjoys solving problems for clients and making their lives a little simpler. She holds her Series 7 and 66 licenses, as well as her Life, Accident, Health, and Variable Annuity insurance licenses.
Adrienne graduated in 2018 from Calvin College in Grand Rapids, Michigan, where she then began her career with Morgan Stanley. She moved to Sarasota, Florida to join the Cornerstone Capital Group and to be closer to her family in her hometown of Tampa. Adrienne is happy to be back in Florida and enjoys biking, running, and spending time at the beach.
Adrienne graduated in 2018 from Calvin College in Grand Rapids, Michigan, where she then began her career with Morgan Stanley. She moved to Sarasota, Florida to join the Cornerstone Capital Group and to be closer to her family in her hometown of Tampa. Adrienne is happy to be back in Florida and enjoys biking, running, and spending time at the beach.
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
Justine Smale
Private Banker
About Justine Smale
Justine Smale is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.
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.
Justine began her career in financial services in 1992, and joined Morgan Stanley in 2016. Prior to joining the firm, she spent 21 years at Merrill Lynch and Bank of America and held many positions including Wealth Management Banker, Premier Client Manager, and Branch Manager.
Justine is a graduate of Florida International University, where she received a Bachelor of Arts in Business Administration, Business Management, and International Business with Magna Cum Laude distinction. She lives in Sarasota, Florida with her family.
Outside of the office, Justine donates her time volunteering for different organizations. She also enjoys being active, gardening, spending time outdoors, entertaining at home and spending time with family and friends.
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.
Justine began her career in financial services in 1992, and joined Morgan Stanley in 2016. Prior to joining the firm, she spent 21 years at Merrill Lynch and Bank of America and held many positions including Wealth Management Banker, Premier Client Manager, and Branch Manager.
Justine is a graduate of Florida International University, where she received a Bachelor of Arts in Business Administration, Business Management, and International Business with Magna Cum Laude distinction. She lives in Sarasota, Florida with her family.
Outside of the office, Justine donates her time volunteering for different organizations. She also enjoys being active, gardening, spending time outdoors, entertaining at home and spending time with family and friends.
NMLS#: 641860
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, 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
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
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
Article Image
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
Article Image
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
Article Image
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Susan Wilson today.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 and other legal matters.
4Morgan 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
8Investing 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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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
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 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.
4Morgan 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
8Investing 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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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)
