Christopher Apgar
Private Wealth Advisor, Executive Director, Portfolio Management Director, Workplace Advisor – Equity Compensation, Lending Specialist
Phone:
(435) 645-2761(435) 645-2761
Morgan Stanley Private Wealth Management
The Apgar Saltzman Group
Direct:
(212) 883-7795(212) 883-7795
Our Mission Statement
We provide strategic guidance and powerful resources to help you grow your wealth and pursue your most important goals.
Our Story and Services
We are an experienced team of wealth advisors with diverse backgrounds and a unique perspective. Our partners have run a family business, launched a new enterprise, built a successful corporate career and played an influential role in the New York art scene. We haven’t forgotten what it’s like to make payroll every week. We also understand the joys and challenges of monetizing a successful venture and moving on to the next life adventure. We’ve been through that process with many of the highly accomplished entrepreneurs, executives, artists and professionals we serve.
Our ability to empathize with our clients plays a key role in our process. It enables us to gain a more nuanced understanding of their needs, concerns and aspirations. Our conversations with them certainly include how they should invest their assets, but tend to focus more on what they want out of their lives. Investing becomes a means to an end.
Combining our experience with the vast global capabilities of Morgan Stanley, we can help you develop, implement and maintain highly customized wealth management plans that address every aspect of your financial life. We are on call to think through your challenges and make informed decisions. We can then deliver the resources needed to put those decisions into action.
We look forward to discussing how we can help you and your family. To begin the conversation, please contact us at 212-883-7795.
Our ability to empathize with our clients plays a key role in our process. It enables us to gain a more nuanced understanding of their needs, concerns and aspirations. Our conversations with them certainly include how they should invest their assets, but tend to focus more on what they want out of their lives. Investing becomes a means to an end.
Combining our experience with the vast global capabilities of Morgan Stanley, we can help you develop, implement and maintain highly customized wealth management plans that address every aspect of your financial life. We are on call to think through your challenges and make informed decisions. We can then deliver the resources needed to put those decisions into action.
We look forward to discussing how we can help you and your family. To begin the conversation, please contact us at 212-883-7795.
Additional Services
- Art Advisory
Capabilities
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
About PWM
Founded in 1977, Private Wealth Management is the division of Morgan Stanley Wealth Management that is dedicated to serving the firm’s most affluent clients, including some of the world’s most accomplished entrepreneurs, executives and stewards of multigenerational wealth. Functioning as an exclusive investment boutique within a global financial firm, we deliver sophisticated solutions that leverage the intellectual capital and insight of Morgan Stanley’s substantial global resources. Drawing on a deep understanding of your financial life, our goal is to help you:
- Manage investments with an unwavering focus on your financial strategy and personal goals
- Create comprehensive, multigenerational wealth management plans based on your needs, challenges and the values that guide your life and legacy
- Simplify financial complexity to help you achieve clarity and control
Private Wealth Management Highlights
- Approximately 350 teams1 specialized in assisting individuals and families with $20MM+ in investable assets
- Over $980 billion in AUM1
- Comprising 23% of the Barron’s Top 250 Private Wealth Management Teams for 2024
- Direct access to ultra high net worth experts in philanthropy, family dynamics, wealth transfer, lifestyle advisory and other areas of interest to ultra high net worth families
1 Morgan Stanley Wealth Management, December, 2024
Source: Barron's.com (May 2024) 2024 Barron's Top 250 Private Wealth Management Teams awarded in 2024. The teams are ranked on a variety of factors, including their size and shape, their regulatory records and credentials of their members, and the resources they have at their disposal to serve their client bases. The rankings are meant as a starting point for clients looking for an advisor—a first-pass vetting that can help investors narrow a search. Every advisor will have his or her own approach to investing, financial planning, and other services. Clients are encouraged to approach a search for an advisor the way they would a search for a doctor—interviewing multiple professionals and getting opinions from multiple third parties. Rankings are based on the opinions of Barron's and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
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.
Our team works with a diverse group of of highly accomplished business owners, corporate executives, artists, and professionals. Many of these relationships began when our clients were experiencing a significant life change: the sale of a business, a divorce, a transition into retirement, a key promotion or even the death of a spouse. Most of these relationships have endured for many years and many now involve multiple generations.
While all of our clients have achieved considerable financial success, no two are close to identical. We work to gain a deep understanding of each client’s individual objectives, analyze their current situation, and tailor and implement a plan to address their specific needs. We have helped clients implement strategies to maintain a certain lifestyle in retirement, create a legacy for loved ones or valued causes, and to ensure lifelong care for a family member with special needs. Whatever the objectives, we understand how to integrate advice across multiple areas of wealth management, and design solutions that fulfill more than one purpose. We work an ongoing dialogue with every client to ensure that their plan remains aligned with their evolving objectives and circumstances.
While all of our clients have achieved considerable financial success, no two are close to identical. We work to gain a deep understanding of each client’s individual objectives, analyze their current situation, and tailor and implement a plan to address their specific needs. We have helped clients implement strategies to maintain a certain lifestyle in retirement, create a legacy for loved ones or valued causes, and to ensure lifelong care for a family member with special needs. Whatever the objectives, we understand how to integrate advice across multiple areas of wealth management, and design solutions that fulfill more than one purpose. We work an ongoing dialogue with every client to ensure that their plan remains aligned with their evolving objectives and circumstances.
Specialized Services and Resources
Our team has compiled select resources exclusively offered by Morgan Stanley that are designed to provide a unique, elevated service when it comes to your wealth management needs. Below you will find a handful that are particularly relevant to the clients our team serves.
Art Resources Team
Given our experience, Morgan Stanley’s Art Resources Team (ART), plays a particularly important role in our service model. Created with the purpose of assisting clients in understanding the integration of art into their portfolio, the team boasts a full suite of both internal and external services and regularly publishes content surrounding art and wealth management.
Read More
Family Office Resources
Family Office Resources (FOR) is structured to help clients define a guiding vision, translate that vision into effective strategies, and implement those strategies by calling on the tactical expertise of experienced experts. Accessed by Morgan Stanley advisors through UHNW Client Specialists, our capabilities span three complementary areas of focus: Governance & Legacy, Wealth Strategies, and Signature Access.
Learn More About FOR
MS GIFT
Charitable giving is among the highest of human aspirations, woven into the fabric of organizations, countries, and societies around the world. MS GIFT provides a unique way to give to charity through the use of Donor advised funds or, DAFs. Donor advised funds are among the easiest and most tax-advantaged ways to give to charity for donors across the spectrum of wealth.
MS GIFT Website
MS Reserved
MS Reserved Eligible clients have access to Morgan Stanley Reserved Living & Giving, a complimentary perks program designed to provide benefits outside of traditional wealth management services. Members have access to myriad exclusive deals and offers, as well as experiences, curated content, and much more.
Visit The SiteLocation
55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 883-7795(212) 883-7795
1441 W. Ute Blvd
Suite 180
Park City, UT 84060
US
Direct:
(435) 645-2761(435) 645-2761
Meet The Apgar Saltzman Group
Executive Director, Private Wealth Advisor, Family Wealth Director, Alternative Investments Director
Phone:
(212) 883-8503(212) 883-8503
Greg Swenson
Private Wealth Advisor, Financial Planning Specialist
Phone:
(212) 883-7771(212) 883-7771
Sharon Paul-Jordan
Portfolio Associate, Senior Registered Associate
Phone:
(212) 883-7795(212) 883-7795
Devon Litchfield
Wealth Management Analyst, Financial Planning Specialist
Phone:
(212) 503-1660(212) 503-1660
About Christopher Apgar
Christopher L. Apgar comes to Morgan Stanley having been on Wall Street since 1999. As an Executive Director he focuses on the particular needs of high net-worth individuals, trusts, foundations and nonprofit organizations, including retirement planning, wealth transfer, estate planning strategies and writing investment policies. Enthusiastic about the visual arts, Christopher also dedicates a significant portion of his practice to the distinctive considerations of dealers, artists, galleries and others in the art community.
Currently, Chris is the honorary co-chair of the Contemporary Arts Council at MoMA, and vice chair of The Camargo Foundation in the South of France, he served as the treasurer of Artists Space, treasurer of Judd Foundation, co-chair of the Contemporary Arts Council of MoMA, ex-officio trustee of the Museum of Modern Art, and President of The Brooklyn Rail, a magazine of critical perspectives on arts, politics and culture.
Christopher graduated with honors from Rutgers university, and continued his education studying finance at the New York Finance Institute.
He divides his time between residences in Park City, Utah and Manhattan, NY
Currently, Chris is the honorary co-chair of the Contemporary Arts Council at MoMA, and vice chair of The Camargo Foundation in the South of France, he served as the treasurer of Artists Space, treasurer of Judd Foundation, co-chair of the Contemporary Arts Council of MoMA, ex-officio trustee of the Museum of Modern Art, and President of The Brooklyn Rail, a magazine of critical perspectives on arts, politics and culture.
Christopher graduated with honors from Rutgers university, and continued his education studying finance at the New York Finance Institute.
He divides his time between residences in Park City, Utah and Manhattan, NY
Securities Agent: CA, SC, CO, VT, UT, OH, NY, NJ, FL, WY, NM, MN, TX, RI, ME, GA, SD, OR, DE, NH, VI, PA, NE, MT, MA, AZ, AL, WA, VA, NC, MI, KY, IL, MD, LA, KS, CT, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1638809
NMLS#: 1638809
About Brian Saltzman
As a Financial Advisor at Morgan Stanley, Brian provides clients with customized and sophisticated advice and solutions designed to help preserve and grow their wealth.
A graduate of the Georgetown University School of Foreign Service, Brian also holds a master's degree in Business Administration from the J.L. Kellogg Graduate School of Management at Northwestern University. After receiving his master’s degree, Brian joined American Express, where he held a variety of sales strategy and sales leadership positions. He went on to launch and lead the marketing effort for FlexMind.com, and then served nearly seven years as a sales performance and relationship management consultant at Huthwaite, advising the sales leadership of Fortune 500 companies.
Prior to joining Morgan Stanley in 2016, Brian served in similar roles at Neuberger Berman and Bernstein Global Wealth Management.
Brian is a Trustee and past President of the Jewish Community Housing Corporation of Metropolitan New Jersey, a Trustee of Parents Who Rock, as well as a Trustee of Jewish Service for the Developmentally Disabled. He and his wife live with their four children in Montclair, New Jersey.
A graduate of the Georgetown University School of Foreign Service, Brian also holds a master's degree in Business Administration from the J.L. Kellogg Graduate School of Management at Northwestern University. After receiving his master’s degree, Brian joined American Express, where he held a variety of sales strategy and sales leadership positions. He went on to launch and lead the marketing effort for FlexMind.com, and then served nearly seven years as a sales performance and relationship management consultant at Huthwaite, advising the sales leadership of Fortune 500 companies.
Prior to joining Morgan Stanley in 2016, Brian served in similar roles at Neuberger Berman and Bernstein Global Wealth Management.
Brian is a Trustee and past President of the Jewish Community Housing Corporation of Metropolitan New Jersey, a Trustee of Parents Who Rock, as well as a Trustee of Jewish Service for the Developmentally Disabled. He and his wife live with their four children in Montclair, New Jersey.
Securities Agent: CO, NJ, TX, NH, DC, CA, VA, AZ, AL, OH, SC, RI, PA, NC, MN, MI, NY, MD, VT, UT, MA, IL, GA, NM, ME, LA, FL, CT, SD, OR, VI, NE, KY, WY, DE, WA, MT, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 1576038
NMLS#: 1576038
About Greg Swenson
Greg is a Private Wealth Advisor and partner of The Apgar Saltzman Group, focused primarily on strategic business development and investment management. Greg earned his degree in Political Science at Boston College, where he was President and Captain of the Men's Lacrosse Team. Greg currently resides in Manhattan.
Securities Agent: SC, CT, OR, OH, KY, CO, WA, VA, TX, PA, NH, UT, RI, AZ, NC, MI, FL, MN, LA, NJ, KS, GA, DE, WY, MT, AL, SD, NM, MA, CA, NY, MD, IL, DC, VT, VI, NE, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 2554449
NMLS#: 2554449
About Sharon Paul-Jordan
Sharon Paul-Jordan recently joined Morgan Stanley as a Senior Registered Associate with The Apgar Saltzman Group. Sharon has worked in the financial services industry for over 20 years. She has worked with Chris Apgar for over 12 years. Sharon is the primary link between the firm and the client experience. She takes great pride in understanding her client's individual needs and works hard to deliver an exceptional client experience. Sharon has her series 7 and her 66 licenses as well as her Life, Health and Accident Insurance Licenses.
Sharon lives in Brooklyn with her husband and daughter. She spends her weekends volunteering her time for her daughter's soccer club and helping the immigrant people in their community.
Sharon lives in Brooklyn with her husband and daughter. She spends her weekends volunteering her time for her daughter's soccer club and helping the immigrant people in their community.
About Devon Litchfield
Devon came to Morgan Stanley in 2022 as a Financial Planning Specialist, where she has partnered with advisors across the Firm to develop comprehensive financial plans and forecasts for clients. Prior to that, Devon was with Merrill Lynch Wealth Management as a Client Associate, and later in the Advisor Development Rotational Program. Devon earned her BS in Finance from the University of Delaware and holds the Series 7 and 66 Licenses. Devon works as part of the client service team and is responsible for financial planning and modeling for clients.
Contact Christopher Apgar
Contact Brian Saltzman
Contact Greg Swenson
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
Tony Silva
Private Banker
About Tony Silva
Tony Silva is a Private Banker serving Morgan Stanley’s Wealth Management offices in New York City.
Tony began his career in financial services in 1995 and joined Morgan Stanley in 2015 as a Pipeline Manager in our Home Loans organization. In 2017, he was promoted to Project Manager on that team. Tony assumed his current position in February, 2018. Prior to his tenure at the firm, Tony held a number of roles at mortgage financing institutions.
Tony received a Bachelor of Science in Management from Rutgers University. He and his family reside in Livingston, New Jersey.
When not at the office, Tony enjoys traveling, playing soccer, and spending time with family and friends.
Tony began his career in financial services in 1995 and joined Morgan Stanley in 2015 as a Pipeline Manager in our Home Loans organization. In 2017, he was promoted to Project Manager on that team. Tony assumed his current position in February, 2018. Prior to his tenure at the firm, Tony held a number of roles at mortgage financing institutions.
Tony received a Bachelor of Science in Management from Rutgers University. He and his family reside in Livingston, New Jersey.
When not at the office, Tony enjoys traveling, playing soccer, and spending time with family and friends.
NMLS#: 217945
Wealth Management
Global Investment Office
Portfolio Insights
Private Wealth Management Podcast
Bringing you engaging stories and key insights surrounding the complexities associated with significant wealth, including:
- Intergenerational Planning
- Philanthropic Giving
- Non-Traditional Assets
- Managing Family Wealth
LISTEN | Passion Assets: Investing in Art
Article Image
Managing Significant Wealth
- Investment Management
- Wealth Transfer & Philanthropy
- Cash Management & Lending
- Family Governance & Wealth Education
- Lifestyle Advisory
- Business Services
Funding Climate Action: Pathways for Philanthropy
Article Image
Insights and Outcomes
Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan Stanley 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.
6Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Morgan 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.
8The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
9Morgan 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
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
Morgan 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.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Awards Disclosures
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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan Stanley 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.
6Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Morgan 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.
8The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
9Morgan 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
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
Morgan 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.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Awards Disclosures
CRC 4237142 (02/2025)
