Casey Galdieri
Managing Director, Senior Portfolio Management Director, Financial Planning Specialist
Phone:
(408) 947-3740(408) 947-3740
The 225 Group at Morgan Stanley
Our Mission Statement
We help highly accomplished executives, entrepreneurs and families to simplify and gain control over the complexity and challenges that accompany financial success.
Welcome
Empowering clients to craft financial security in their lives is the underlying principle that drives The 225 Group and our team of professionals at Morgan Stanley.
Operating like a small, nimble boutique firm inside the confines of a large, global company, we aim to protect and grow what you have worked so hard to earn.
Whether we’re helping a busy corporate executive develop an all-inclusive financial plan, assisting high-tech professionals with their equity compensation, working with successful families seeking to secure their financial dreams, or advising small business owners on how to protect their businesses while focusing on personal finances, The 225 Group is dedicated to helping our clients achieve financial success. Our primary goal for each client is a customized approach to wealth enhancement, wealth preservation and wealth transfer.
Our clients believe in the importance of building a long-term relationship with their financial advisor. They deserve—and expect —an advisory team who shares their vision, earns their trust and works diligently to help create a customized investment plan that seeks to ensure financial success, often over multiple generations.
The 225 Group is dedicated to helping affluent individuals and families define and achieve their long-term financial goals. We believe it is our responsibility to be aware of the changes in our client’s lives so we can anticipate and respond strategically to new risks and emerging opportunities. The end result is a coordinated financial and investment plan, updated regularly, that helps meet your unique wealth management goals today and down the road.
Money, in and of itself, does not create the skills to manage it. Our mission is to empower you to be confident in your financial decisions through education and understanding so you have options about your future, not obligations. We want you to enjoy the wealth you are creating before, during and after you successfully exit your career.
Operating like a small, nimble boutique firm inside the confines of a large, global company, we aim to protect and grow what you have worked so hard to earn.
Whether we’re helping a busy corporate executive develop an all-inclusive financial plan, assisting high-tech professionals with their equity compensation, working with successful families seeking to secure their financial dreams, or advising small business owners on how to protect their businesses while focusing on personal finances, The 225 Group is dedicated to helping our clients achieve financial success. Our primary goal for each client is a customized approach to wealth enhancement, wealth preservation and wealth transfer.
Our clients believe in the importance of building a long-term relationship with their financial advisor. They deserve—and expect —an advisory team who shares their vision, earns their trust and works diligently to help create a customized investment plan that seeks to ensure financial success, often over multiple generations.
The 225 Group is dedicated to helping affluent individuals and families define and achieve their long-term financial goals. We believe it is our responsibility to be aware of the changes in our client’s lives so we can anticipate and respond strategically to new risks and emerging opportunities. The end result is a coordinated financial and investment plan, updated regularly, that helps meet your unique wealth management goals today and down the road.
Money, in and of itself, does not create the skills to manage it. Our mission is to empower you to be confident in your financial decisions through education and understanding so you have options about your future, not obligations. We want you to enjoy the wealth you are creating before, during and after you successfully exit your career.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
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.
Philosophy
A solid wealth management plan interweaves your financial matters with your family’s relationships, interests and goals. The plan we build for you can be simple or complicated, but it is designed to evolve along with your family’s changing dynamics, values and priorities.
We deliver family-centric wealth management solutions by:
• Ensuring you have enough money to fund your lifestyle
• Ensuring that your wealth goes exactly where you want it to go
• Defining and achieving philanthropic goals that align with your family’s values
• Working with your attorneys and tax advisors to build an integrated estate and wealth transfer plan
• Engaging the next generation in taking ownership of their finances.
We deliver family-centric wealth management solutions by:
• Ensuring you have enough money to fund your lifestyle
• Ensuring that your wealth goes exactly where you want it to go
• Defining and achieving philanthropic goals that align with your family’s values
• Working with your attorneys and tax advisors to build an integrated estate and wealth transfer plan
• Engaging the next generation in taking ownership of their finances.
Portfolio Management
Your investment portfolio should consider the entirety of your financial needs. It should reflect your current situation and create a powerful vision of your financial future.
We design your portfolio to respond to changing dynamics in financial markets, while making certain that it corresponds to changes in your life or evolving goals. It may also include alternative investments, which are a type of asset class that is not dependent on traditional financial markets and has the ability to achieve better outcomes with less volatility. Depending on your situation, a better outcome may mean more tax efficiency, more diversification, more income or simply higher returns.
Our team’s advanced portfolio titles and designations recognize our ability to provide you with a level of personalized portfolio management historically provided to meet the specialized needs, risk tolerance and investment goals of institutional clients. Every decision we make is focused on doing the right thing for you. We simplify your financial life, offering the best options with unbiased, objective advice.
Our team is knowledgeable and experienced in all aspects of equity compensation, from the general – long-term incentives, deferred compensation – to the specific and timely – stock options and restricted stock. We can help you navigate the complex regulations around:
• 10b5-1 trading plans
• 401(k) plans
• ISO, NSO, RSU and ESPP positions
• Lending against restricted and controlled stock
• Employee stock purchase plans
• Directed stock programs
• Corporate and executive buying programs
We offer comprehensive answers to your questions and try to clarity and simplify financial complexities into cohesive plans.
We design your portfolio to respond to changing dynamics in financial markets, while making certain that it corresponds to changes in your life or evolving goals. It may also include alternative investments, which are a type of asset class that is not dependent on traditional financial markets and has the ability to achieve better outcomes with less volatility. Depending on your situation, a better outcome may mean more tax efficiency, more diversification, more income or simply higher returns.
Our team’s advanced portfolio titles and designations recognize our ability to provide you with a level of personalized portfolio management historically provided to meet the specialized needs, risk tolerance and investment goals of institutional clients. Every decision we make is focused on doing the right thing for you. We simplify your financial life, offering the best options with unbiased, objective advice.
Our team is knowledgeable and experienced in all aspects of equity compensation, from the general – long-term incentives, deferred compensation – to the specific and timely – stock options and restricted stock. We can help you navigate the complex regulations around:
• 10b5-1 trading plans
• 401(k) plans
• ISO, NSO, RSU and ESPP positions
• Lending against restricted and controlled stock
• Employee stock purchase plans
• Directed stock programs
• Corporate and executive buying programs
We offer comprehensive answers to your questions and try to clarity and simplify financial complexities into cohesive plans.
Location
225 W Santa Clara St
Suite 900
San Jose, CA 95113
US
Direct:
(408) 947-2200(408) 947-2200
Meet The 225 Group
Associate Vice President, Financial Advisor, Alternative Investments Director, Financial Planning Specialist, Workplace Advisor - Equity Compensation
Phone:
(408) 947-3708(408) 947-3708
Samira Memic, MBA
Financial Advisor, Financial Planning Specialist
Phone:
(408) 947-3741(408) 947-3741
Azra Salkic
Client Service Associate
Phone:
(408) 947-3788(408) 947-3788
About Casey Galdieri
Casey is an Managing Director and Senior Portfolio Management Director for the 225 Group at Morgan Stanley.
Casey designs and implements customized wealth management plans for high net worth individuals and families. His work with high level employees at prominent corporations in Silicon Valley focuses on comprehensive wealth planning around pre- and post- IPO transactions.
His understanding of the intricacies and tax implications of ISOs, NSOs, RSUs and ESPPs are critical to his clients' long term success in their financial plan. Casey also takes the lead on developing tax efficient investment strategies for the team and is responsible for managing discretionary diversified portfolios.
Casey lives in the South Bay with his wife, Katianna, and their three children. He also has been recognized by Forbes in 2022 as a Best-In-State Wealth Advisor for California.
#38 Forbes Best-In-State Wealth Advisors (2024)
Source: Forbes.com (Awarded Apr 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
#7 Top Next-Gen Wealth Advisors Best-In-State (2023).
Data Provided by Shook® Research, LLC. Data as of 3/31/23 source: Forbes.com (August, 2023). Shook considered advisors born in 1984 or later with a minimum 4 years as an advisor.
Team Member - Best-In-State Wealth Management Teams (2024)
Source: Forbes.com (Awarded Jan 2024) data compiled by Shook Research LLC based on time period from 3/31/22-3/31/23.
Casey designs and implements customized wealth management plans for high net worth individuals and families. His work with high level employees at prominent corporations in Silicon Valley focuses on comprehensive wealth planning around pre- and post- IPO transactions.
His understanding of the intricacies and tax implications of ISOs, NSOs, RSUs and ESPPs are critical to his clients' long term success in their financial plan. Casey also takes the lead on developing tax efficient investment strategies for the team and is responsible for managing discretionary diversified portfolios.
Casey lives in the South Bay with his wife, Katianna, and their three children. He also has been recognized by Forbes in 2022 as a Best-In-State Wealth Advisor for California.
#38 Forbes Best-In-State Wealth Advisors (2024)
Source: Forbes.com (Awarded Apr 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
#7 Top Next-Gen Wealth Advisors Best-In-State (2023).
Data Provided by Shook® Research, LLC. Data as of 3/31/23 source: Forbes.com (August, 2023). Shook considered advisors born in 1984 or later with a minimum 4 years as an advisor.
Team Member - Best-In-State Wealth Management Teams (2024)
Source: Forbes.com (Awarded Jan 2024) data compiled by Shook Research LLC based on time period from 3/31/22-3/31/23.
Securities Agent: AZ, NH, ID, FL, PA, LA, DC, UT, NM, NJ, IL, AR, WI, WA, RI, OR, NC, MT, AK, SC, OH, MO, KS, MI, ME, MD, MA, HI, GA, CT, NV, CO, VA, NY, AL, CA, TX, TN, MN, IN; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1293925
CA Insurance License #: 0G92476
NMLS#: 1293925
CA Insurance License #: 0G92476
About Hui-Ting (Sofya) Chang
Sofya is a Financial Advisor, Certified Financial Planner, and a Chartered Financial Analyst for the 225 Group at Morgan Stanley.
Prior to joining Morgan Stanley, Sofya had experiences as a financial advisor at a full-service brokerage, a tax accountant at a public accounting firm, and a research analyst at a mutual fund company. She is a CFP professional, a licensed CPA and a CFA charterholder.
As a first-generation immigrant to pursue the American Dream, Sofya knows deeply the power of wealth accumulation and the value of financial literacy. She strongly believes that financial freedom can be attained if planning ahead with discipline. Her passion lies in helping clients achieve life aspirations with holistic financial plans and customized investment solutions. Leveraging the full suite of Morgan Stanley resources, her team brings a comprehensive approach to wealth management, with a specialty in equity compensation planning and tax minimization strategies.
Sofya holds an MBA degree from the University of Michigan and a BBA degree from National Taiwan University. She is a member of the CFA Society of San Francisco and American Institute of Certified Public Accountants. When not wearing the financial advisor hat, she is a proud mom, amateur pianist, self-proclaimed yogi and foodie.
Prior to joining Morgan Stanley, Sofya had experiences as a financial advisor at a full-service brokerage, a tax accountant at a public accounting firm, and a research analyst at a mutual fund company. She is a CFP professional, a licensed CPA and a CFA charterholder.
As a first-generation immigrant to pursue the American Dream, Sofya knows deeply the power of wealth accumulation and the value of financial literacy. She strongly believes that financial freedom can be attained if planning ahead with discipline. Her passion lies in helping clients achieve life aspirations with holistic financial plans and customized investment solutions. Leveraging the full suite of Morgan Stanley resources, her team brings a comprehensive approach to wealth management, with a specialty in equity compensation planning and tax minimization strategies.
Sofya holds an MBA degree from the University of Michigan and a BBA degree from National Taiwan University. She is a member of the CFA Society of San Francisco and American Institute of Certified Public Accountants. When not wearing the financial advisor hat, she is a proud mom, amateur pianist, self-proclaimed yogi and foodie.
Securities Agent: FL, AL, WA, TX, RI, ME, MD, KS, CA, AK, DC, NJ, NC, NY, MI, UT, OR, MN, MA, CT, OH, NV, MT, SC, LA, IN, IL, HI, AR, TN, NH, MO, ID, GA, CO, PA, NM, AZ, WI, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 2010933
CA Insurance License #: 4086094
NMLS#: 2010933
CA Insurance License #: 4086094
About Samira Memic, MBA
Samira is a Financial Advisor for the 225 Group at Morgan Stanley.
Samira designs and implements financial plans for high-net-worth clients and families. As a first generation Bosnian-American, Samira is passionate about promoting financial literacy and helping others achieve their financial goals.
Prior to her promotion as Financial Advisor, she worked as a Registered Client Service Associate for the team, where she focused on building strong client relationships.
Samira holds an MBA from Santa Clara University with an emphasis in Finance, and an BBA from San Francisco State University. She holds SIE, Series 7, and Series 66 licenses.
In her free time, she enjoys hiking, cooking, reading novels, spending time with loved ones, and exploring different cultures.
Samira designs and implements financial plans for high-net-worth clients and families. As a first generation Bosnian-American, Samira is passionate about promoting financial literacy and helping others achieve their financial goals.
Prior to her promotion as Financial Advisor, she worked as a Registered Client Service Associate for the team, where she focused on building strong client relationships.
Samira holds an MBA from Santa Clara University with an emphasis in Finance, and an BBA from San Francisco State University. She holds SIE, Series 7, and Series 66 licenses.
In her free time, she enjoys hiking, cooking, reading novels, spending time with loved ones, and exploring different cultures.
Securities Agent: NC, FL, AZ, MA, ID, GA, UT, TN, SC, OH, NM, MD, NH, HI, WA, TX, NY, NJ, ME, DC, AR, VA, NV, MT, MN, LA, CO, RI, MI, CT, CA, OR, MO, KS, IN, AL, AK, WI, PA, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 2677278
NMLS#: 2677278
About Azra Salkic
Azra is a Client Service Associate for the 225 Group at Morgan Stanley.
Azra focuses on the back end to your financial needs- this includes, day-to-day services, account assistance and money movement meanwhile building and maintaining special relationships tailored to each client.
Azra is here to focus on client support, with her dedication and skillset- possessing over 3 years of experience within the Client Service realm of business management, she retains strong leadership, proactive approach to problem solving and adaptability. Known for her exceptional communication skills and ability to build long lasting relationships this stands at the forefront of our business approach to client success. She is a first generation Bosnian-American, understanding the importance of capitalizing wealth and possesses a multi-lingual palette with the ability to assist in Bosnian, Serbo-Croatian, Spanish and English.
Having previous experience in the Insurance Brokerage side, Azra recently joins us in the Finance Brokerage world- paving a new way of supporting our group as we continue to grow.
Azra currently obtains a Property & Casualty License in the State of California.
LIC #4279138
Azra focuses on the back end to your financial needs- this includes, day-to-day services, account assistance and money movement meanwhile building and maintaining special relationships tailored to each client.
Azra is here to focus on client support, with her dedication and skillset- possessing over 3 years of experience within the Client Service realm of business management, she retains strong leadership, proactive approach to problem solving and adaptability. Known for her exceptional communication skills and ability to build long lasting relationships this stands at the forefront of our business approach to client success. She is a first generation Bosnian-American, understanding the importance of capitalizing wealth and possesses a multi-lingual palette with the ability to assist in Bosnian, Serbo-Croatian, Spanish and English.
Having previous experience in the Insurance Brokerage side, Azra recently joins us in the Finance Brokerage world- paving a new way of supporting our group as we continue to grow.
Azra currently obtains a Property & Casualty License in the State of California.
LIC #4279138
Contact Casey Galdieri
Contact Hui-Ting (Sofya) Chang
Contact Samira Memic, MBA
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
Rational Investing in an Age of Uncertainty
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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 225 Group today.
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.
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.
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’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.
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.
5Investing 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.
6Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
7Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
8Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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
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.
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’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.
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.
5Investing 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.
6Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
7Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
8Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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)
