Christopher Harris, CFP®, CEPA®, CRPC®
Senior Vice President, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Chartered Retirement Planning Counselor, Alternative Investments Director
Phone:
(602) 954-5787(602) 954-5787
Industry Award WinnerOur Mission Statement
To simplify the complexities of the financial aspects of your life with a personalized and dedicated approach
The 1912 Group named to Forbes Best-In-State Wealth Management Teams in Arizona for 2026
The 1912 Group named to Forbes Best-In-State Wealth Management Teams in Arizona for 2026
The 1912 Group
At The 1912 Group, we help families, individuals, and business owners develop and achieve long-term financial goals. Based in Arizona and serving clients across the United States, our team brings over 25 years of experience and a “hands-on” approach to financial guidance. Clients appreciate our skilled focus and genuine commitment to helping them achieve their objectives. We keep clients focused on their goals, provide strategic advice, and stress the importance of discipline in achieving success.
Our team is proud to be recognized within Morgan Stanley’s Family Wealth Management program, led by a Family Wealth Director, a designation held by approximately 6% of advisors. This distinction underscores our dedication to delivering a high level of service, insight, and care, helping clients manage the personal, family, and multi-generational dimensions of their financial world.
Our mission is to be a lifelong resource and trusted advisor, preserving and growing the wealth our clients have worked hard to build. While our name honors Arizona’s history and values of resilience and independence, our services extend nationwide, reflecting our dedication to all we serve.
Whether planning for retirement, investing for growth, or building a legacy, The 1912 Group is here to guide you confidently and purposefully. Thank you for your continued trust. We look forward to supporting your goals for years to come.
Forbes Best-In-State Wealth Management Teams 2026
Source: Forbes.com (Awarded Jan) Data compiled by SHOOK Research LLC based on time period from 3/31/24-3/31/25.
Our team is proud to be recognized within Morgan Stanley’s Family Wealth Management program, led by a Family Wealth Director, a designation held by approximately 6% of advisors. This distinction underscores our dedication to delivering a high level of service, insight, and care, helping clients manage the personal, family, and multi-generational dimensions of their financial world.
Our mission is to be a lifelong resource and trusted advisor, preserving and growing the wealth our clients have worked hard to build. While our name honors Arizona’s history and values of resilience and independence, our services extend nationwide, reflecting our dedication to all we serve.
Whether planning for retirement, investing for growth, or building a legacy, The 1912 Group is here to guide you confidently and purposefully. Thank you for your continued trust. We look forward to supporting your goals for years to come.
Forbes Best-In-State Wealth Management Teams 2026
Source: Forbes.com (Awarded Jan) Data compiled by SHOOK Research LLC based on time period from 3/31/24-3/31/25.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Awards & Designations
The 1912 Group Named to Forbes Best-In-State Wealth Management Teams 2026
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2026) Data compiled by SHOOK Research LLC based on time period from 3/31/24-3/31/25.
Source: Forbes.com (Awarded Jan 2026) Data compiled by SHOOK Research LLC based on time period from 3/31/24-3/31/25.
Nihaal Rao Named to Forbes Best-In-State Wealth Advisors for 2021-2023, & 2026
2021-2023, 2026 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2021-2023, 2026). 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 2021-2023, 2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Chris Harris Named to Forbes Best-In-State Wealth Advisors for 2022-2023
2022-2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2022-2023). 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 2022-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Certified Exit Planning Advisor (CEPA®)
A Certified Exit Planning Advisor (CEPA®) is a credentialed professional who helps business owners prepare for and navigate a successful business transition, developing exit strategies that protect value, support continuity, and align with long-term personal and financial objectives.
Chris holds this designation.
Chris holds this designation.
Certified Financial Planner (CFP®)
CFP® professionals have met extensive training and experience requirements and commit to CFP Board's ethical standards that require them to put their clients' interests first.
Chris & Nihaal hold this designation.
Chris & Nihaal hold this designation.
Chartered Retirement Plan Counselor (CRPC®)
The Chartered Retirement Planning Counselor® (CRPC®) designation is earned from certification through a program focused on the entire retirement planning process, from setting financial goals to income streams and estate planning.
Chris & Nihaal hold this designation.
Chris & Nihaal hold this designation.
Certified Private Wealth Advisor (CPWA®)
The Certified Private Wealth Advisor (CPWA®) designation equips seasoned professionals with the latest, most advanced knowledge and techniques to holistically address the sophisticated needs of high-net-worth clients.
Nihaal holds this designation.
Nihaal holds this designation.
Chartered Alternative Investment Analyst (CAIA®)
The Chartered Alternative Investment Analyst (CAIA®) designation is a globally recognized professional credential focused on alternative investments and portfolio construction. CAIA® charterholders commit to high professional standards and ongoing education and demonstrate advanced knowledge of areas such as private equity, hedge funds, real assets, structured products, and risk management, as well as the role alternatives can play in building diversified client portfolios.
Chris & Nihaal hold this designation.
Chris & Nihaal hold this designation.
Chartered Financial Consultant (ChFC®)
The Chartered Financial Consultant (ChFC®) designation is an advanced financial planning program covering further knowledge on tax and retirement planning, wealth management, insurance, and more.
Nihaal holds this designation
Nihaal holds this designation
The 1912 Approach
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Protecting Your Digital Identity
Safeguarding your information is a top priority in the modern digital environment. Morgan Stanley's defense mechanisms protect our hardware and software, while monitoring the digital side of our business. This helps us understand potential risks and anticipate issues before they occur to ensure a thorough, effective response if they do.
The firm has deployed multiple layers of security, including the following: strong encryption protocols designed to protect your data, continuous monitoring to help detect and prevent fraudulent activity in your accounts, routine testing of our systems to identify potential vulnerabilities, and independent reviews by outside security firms to test our current systems and protocol.
Security Center
Check out Morgan Stanley's collection of practical takeaways and best practices from our cybersecurity professionals on our dedicated cybersecurity page.
5 Cryptocurrency Scams to Watch Out For
Fraudsters are unleashing scams to take advantage of the popularity of digital currency. Learn how to detect cryptocurrency scams and help protect your assets.
Multi-Factor Authentication
Learn about multi-factor authentication and how it has evolved to improve security. Learn why it's important and how you can add it to your online accounts.
What to Do if You Think You’ve Been Hacked
Know the steps to take if your identity, accounts, devices or information is compromised.
What is a ‘Trusted Contact’ and Why Should You Have One?
Establishing a trusted contact is a crucial step in safeguarding your accounts from potential fraud, ensuring there is always a reliable point of contact in unexpected situations.
Educational Resources for the Next Generation
Managing your family's wealth is so much more than simply reaching a desired return. Below are a list of resources to help you and the rest of your family feel confident about saving and investing.
Marriage and Domestic Partnership
Entering into a committed relationship is an exciting and enriching period of life. Combining two households into one will require many adjustments in the way you live and the plans you make in the future. Sound wealth management practices help carry you through these transitions, minimizing avoidable conflict and supporting strong relationships.
The State of Your Parent's Estate
Talking with a parent about estate planning is never easy. Here are several conversation starters that can help adult children and their parents' plan.
Cybersecurity
This session of this series will explore the skills that are important to safeguard your online identity and assets, from common cyber threats to learning best practices for secure online transactions. This session will cover practical strategies to stay safe in today's digital landscape.
Exploring Investments: Stocks, Bonds, and Beyond
This session will dive into the fundamentals of investing, from understanding market dynamics, defining asset classes such as stocks and bonds and other investment vehicles, as well as discussing asset allocation and diversification, this session will provide valuable insights to kickstart your investment journey.
Giving Back: The Joy of Philanthropy and Social Impact
This session will dive into the world of Philanthropy and Impact Investing! Explore creating positive economic, social and environmental impact by leveraging charitable giving alongside a socially responsible investment portfolio to make a meaningful difference in the world.
Health is Wealth with Dr. Kim Henderson
This session features Dr. Kim Henderson, Head of Wealth Management Health & Wellness Education who provides insights into managing healthcare, investing in preventative care, and cultivating healthy habits that could lead to long- term prosperity.
Location
2398 E Camelback Rd
Suite 800
Phoenix, AZ 85016
US
Direct:
(602) 954-5787(602) 954-5787
Meet The 1912 Group
Nihaal Rao, CFP®, ChFC®
Executive Director, Financial Advisor, Alternative Investments Director, Family Wealth Director, Senior Portfolio Management Director
Phone:
(602) 954-5788(602) 954-5788
Paul Farabaugh
Wealth Management Associate, Alternative Investments Specialist
Phone:
(602) 954-5789(602) 954-5789
Christopher LaPaglia
Senior Registered Client Service Associate, Alternative Investments Specialist
Phone:
(602) 954-5745(602) 954-5745
About Me
Since starting his career as a Financial Advisor in 2001, Chris has worked with affluent families, retirees, physicians, women in transition, professional athletes, entrepreneurs, and business owners. Chris is a Financial Advisor and a member of The 1912 Group at Morgan Stanley in Phoenix, Arizona. He has partnered with Neil Rao for more than twenty years, providing advice and guidance through a client-first, consultative approach focused on helping clients preserve and grow their assets.
Through personal discussions, Chris meets with each client to establish measurable, quantifiable goals and prioritize their needs. Once objectives are defined, he develops and implements a customized wealth management plan using the wide variety of financial tools and resources available at Morgan Stanley.
Chris earned the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification in 2006, the Chartered Retirement Planning Counselor™ (CRPC™) designation in 2010, and the Certified Exit Planning Advisor™ (CEPA®) designation in 2026. The CEPA® designation supports his work with business owners by helping them evaluate exit planning and succession strategies. Chris was named to the 2023 Forbes “Best-in-State Wealth Advisors” list.
Chris is married to his wife, Adriane, and they have three children—Will, Raegan, and Beau.
Forbes America’s Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023). Data compiled by SHOOK Research LLC based on time period from 6/30/21 – 6/30/22.
Designation disclosures:
The CFP® certification is a designation awarded by the Certified Financial Planner Board of Standards Inc. *Certified Financial Planner Board of Standards, Inc. owns the certification marks CERTIFIED FINANCIAL PLANNER™ and CFP® in the U.S.
*The College for Financial Planning Institutes Corp. owns the service marks Chartered Retirement Planning Counselor℠, CRPC®, and the CRPC® logo, and the certification marks Chartered Retirement Planning Counselor™, CRPC™, and the CRPC™ logo.
The CEPA® is a professional designation that helps Advisors engage with business owners and ultimately advise them with exit planning and succession strategies.
Through personal discussions, Chris meets with each client to establish measurable, quantifiable goals and prioritize their needs. Once objectives are defined, he develops and implements a customized wealth management plan using the wide variety of financial tools and resources available at Morgan Stanley.
Chris earned the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification in 2006, the Chartered Retirement Planning Counselor™ (CRPC™) designation in 2010, and the Certified Exit Planning Advisor™ (CEPA®) designation in 2026. The CEPA® designation supports his work with business owners by helping them evaluate exit planning and succession strategies. Chris was named to the 2023 Forbes “Best-in-State Wealth Advisors” list.
Chris is married to his wife, Adriane, and they have three children—Will, Raegan, and Beau.
Forbes America’s Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023). Data compiled by SHOOK Research LLC based on time period from 6/30/21 – 6/30/22.
Designation disclosures:
The CFP® certification is a designation awarded by the Certified Financial Planner Board of Standards Inc. *Certified Financial Planner Board of Standards, Inc. owns the certification marks CERTIFIED FINANCIAL PLANNER™ and CFP® in the U.S.
*The College for Financial Planning Institutes Corp. owns the service marks Chartered Retirement Planning Counselor℠, CRPC®, and the CRPC® logo, and the certification marks Chartered Retirement Planning Counselor™, CRPC™, and the CRPC™ logo.
The CEPA® is a professional designation that helps Advisors engage with business owners and ultimately advise them with exit planning and succession strategies.
Securities Agent: NY, MN, MA, FL, UT, OR, MI, NE, MS, MO, IN, IL, WA, OK, MD, KS, VT, SC, NV, NJ, ND, CT, TN, PA, NC, CA, AZ, AK, NM, MT, CO, VA, ID, OH, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 700559
NMLS#: 700559
About Me
Neil has been a financial advisor since 1997. He focuses on portfolio construction and tracking, asset allocation, risk management and alternative investment strategies tailored to the investment needs of each client. Neil works extensively with option strategies to seek additional investment income and potentially hedge concentrated positions. He has a focus on physicians and health care professionals. Neil was named to the 2023 Forbes "Best-in-State Wealth Advisors" list. Neil has earned the Chartered Retirement Planning Counselor®™ designation, the CERTIFIED FINANCIAL PLANNER™, and the Certified Private Wealth Advisor®™ certifications. The CFP® certification is a designation awarded by the Certified Financial Planner Board of Standards, Inc. The CPWA® designation is an advanced professional certification awarded by the Investments & Wealth Institute for advisors who serve high-net-worth clients. Neil holds a Bachelor's Degree from the University of Arizona, as well as a Master's Degree from The American College of Financial Services. He also has a Master of Business Administration (MBA) from Benedictine University. He is an active member of the University of Arizona Alumni Association as well as a regular volunteer to the United Way and St. Vincent DePaul. Neil is married to Dr. Deepa Shah, and they have two daughters, Bella and Lily.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Securities Agent: CA, IN, NY, NV, NJ, NE, ID, CO, VT, MO, MD, IL, OR, CT, AZ, AK, VA, TX, TN, MT, MI, WA, MN, UT, SC, PA, NC, FL, OK, MS, MA, NM, OH, ND, KS; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 620562
NMLS#: 620562
About Paul Farabaugh
Paul Farabaugh is a seasoned professional in the world of finance and wealth management. Born and raised in Livonia, Michigan, Paul moved to the sun-kissed landscapes of Tempe, Arizona in 1991. Today, he resides in Chandler, Arizona with his wife, Jennifer, two daughters, Gabrielle and Allison, as well as their dogs, Lucky and Princess. An alumnus of the University of Arizona, Paul earned his bachelor's in Finance and Accounting in 2001, later adding an MBA from the University of Phoenix in 2006.
His professional journey includes managing a staggering $1.5 billion corporate cash portfolio for a local For-Profit University and holding multiple esteemed positions at his prior Wall Street Firm since 2007, such as a Financial Advisor, Associate Market Supervision Manager, and Wealth Management Client Associate.
Beyond his corporate commitments, Paul has dedicated his time to the community as a board member of a non-profit Autism organization and by founding a youth softball club team. In his downtime, Paul's passions are diverse, ranging from travel, real estate investing, and being an aficionado of cigars, wine, and bourbon tasting. For Paul, amidst the accolades and achievements, family moments remain the most treasured.
His professional journey includes managing a staggering $1.5 billion corporate cash portfolio for a local For-Profit University and holding multiple esteemed positions at his prior Wall Street Firm since 2007, such as a Financial Advisor, Associate Market Supervision Manager, and Wealth Management Client Associate.
Beyond his corporate commitments, Paul has dedicated his time to the community as a board member of a non-profit Autism organization and by founding a youth softball club team. In his downtime, Paul's passions are diverse, ranging from travel, real estate investing, and being an aficionado of cigars, wine, and bourbon tasting. For Paul, amidst the accolades and achievements, family moments remain the most treasured.
About Christopher LaPaglia
Chris has 15 years experience in caring for clients having started with Morgan Stanley in 2010 in Chicago and moved to Arizona in 2017. Chris helped found and support a new team for eight years after he moved to Phoenix until he was presented with this new opportunity with The 1912 Group.
Chris has always enjoyed making life easier for people. Fortunately, he has the opportunity to do so every day as he serves clients, individuals and families, each with unique ambitions for life and how they want their money to support them. Chris cares for them by making the process of managing their money as easy for them as possible.
Chris is a 2011 Bachelor of Arts graduate of DePaul University and has been learning continually about all aspects of Wealth Management and client service since joining the profession.
When Chris isn’t working, he enjoys spending time with his family, Wife Victoria, and 10 month old Sonny, traveling, playing softball, and being out on the golf course as much as possible.
Chris has always enjoyed making life easier for people. Fortunately, he has the opportunity to do so every day as he serves clients, individuals and families, each with unique ambitions for life and how they want their money to support them. Chris cares for them by making the process of managing their money as easy for them as possible.
Chris is a 2011 Bachelor of Arts graduate of DePaul University and has been learning continually about all aspects of Wealth Management and client service since joining the profession.
When Chris isn’t working, he enjoys spending time with his family, Wife Victoria, and 10 month old Sonny, traveling, playing softball, and being out on the golf course as much as possible.
Contact Christopher Harris
Contact Nihaal Rao
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2023, 2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023, 2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisors
2022-2023, 2026 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2022-2023, 2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
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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
Nate Stumberg
Vice President
Teddy Lopez
Planning Associate
About Nate Stumberg
Nate Stumberg is a vice president and financial planning director serving Morgan Stanley Wealth Management offices in Arizona, New Mexico, and El Paso, Texas. He is responsible for helping financial advisors with their clients’ and prospects’ financial planning needs.
Nate began his career in financial services in 2020 and joined Morgan Stanley in 2025. Prior to his current position, he served as a financial advisor at The Vanguard Group, where he worked closely with individuals and families to develop comprehensive financial plans and investment strategies. His work included retirement planning, tax-efficient investing, estate planning coordination, and long-term wealth management.
Nate graduated from the University of Arizona and holds his CERTIFIED FINANCIAL PLANNER™ (CFP®) and Certified Investment Management Analyst® (CIMA®) designations . Nate lives in Scottsdale, Arizona with his wife, Lexi, and his dog, Auggie. When Nate is not at work, he appreciates making his way around a golf course, skiing, attending a Cardinals or Suns sports game, going to concerts, or simply being with friends and family.
Nate began his career in financial services in 2020 and joined Morgan Stanley in 2025. Prior to his current position, he served as a financial advisor at The Vanguard Group, where he worked closely with individuals and families to develop comprehensive financial plans and investment strategies. His work included retirement planning, tax-efficient investing, estate planning coordination, and long-term wealth management.
Nate graduated from the University of Arizona and holds his CERTIFIED FINANCIAL PLANNER™ (CFP®) and Certified Investment Management Analyst® (CIMA®) designations . Nate lives in Scottsdale, Arizona with his wife, Lexi, and his dog, Auggie. When Nate is not at work, he appreciates making his way around a golf course, skiing, attending a Cardinals or Suns sports game, going to concerts, or simply being with friends and family.
About Teddy Lopez
Teddy Lopez is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Teddy provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from the University of Notre Dame and received the Financial Planning Specialist® designation from the College for Financial Planning. Teddy is originally from Costa Mesa, California and currently resides in New York City, New York.
He earned his undergraduate degree from the University of Notre Dame and received the Financial Planning Specialist® designation from the College for Financial Planning. Teddy is originally from Costa Mesa, California and currently resides in New York City, New York.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account.
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The 1912 Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley’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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan 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
7Morgan 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.
8Morgan 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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley’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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan 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
7Morgan 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.
8Morgan 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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
