Luis F. Arriola
Executive Director, Wealth Management, International Client Advisor, Portfolio Manager
Phone:
(305) 908-8355(305) 908-8355
The Arriola Group at Morgan Stanley
Direct:
(305) 908-8355(305) 908-8355
Our Mission Statement
We deliver comprehensive wealth management solutions and personalized client service based on your goals, needs, and values.
Our Story and Services
Our team services a diverse clientele with sophisticated financial needs across Latin America, the United States, and Spain. We specialize in portfolio management and financial planning and strive to provide comprehensive wealth management solutions. We are committed to helping our clients preserve their wealth for future generations through diversified portfolio solutions, trust services, and family planning,
We have over thirty years of expertise in servicing high net worth clients and are well-versed in the wealth management needs of offshore investors and utilize Morgan Stanley's immense resources to address the challenges of managing significant wealth. We take the time to understand each client's needs, goals, and desires and strive to address them through tailored solutions and guidance. If necessary, we bring in specialized individuals from the investment bank or trust services to address topics outside our range of capabilities. Our team will be with you every step of the way.
We look forward to learning more about you and your family and discussing how we can be of service to you.
We have over thirty years of expertise in servicing high net worth clients and are well-versed in the wealth management needs of offshore investors and utilize Morgan Stanley's immense resources to address the challenges of managing significant wealth. We take the time to understand each client's needs, goals, and desires and strive to address them through tailored solutions and guidance. If necessary, we bring in specialized individuals from the investment bank or trust services to address topics outside our range of capabilities. Our team will be with you every step of the way.
We look forward to learning more about you and your family and discussing how we can be of service to you.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
International Wealth Management
International Wealth Management is a specialized area within Morgan Stanley Wealth Management that is dedicated to serving individuals, families, family offices, entrepreneurs, corporate executives and corporate stock plan managers who live outside the United States. We also serve US citizens living and working abroad as well as those who are relocating to the United States or otherwise changing domicile.
We are based in offices throughout the United States, but often specialize in a specific country or region, and typically speak the client’s language, understand the culture and have a deep knowledge of the markets we serve. Combining our investment knowledge with the resources and intellectual capital of Morgan Stanley, we deliver targeted solutions that help our clients pursue their goals and address their unique financial needs.
We are based in offices throughout the United States, but often specialize in a specific country or region, and typically speak the client’s language, understand the culture and have a deep knowledge of the markets we serve. Combining our investment knowledge with the resources and intellectual capital of Morgan Stanley, we deliver targeted solutions that help our clients pursue their goals and address their unique financial needs.
We may be able to provide you access to:
- An open architecture platform that includes leading asset management firms, giving you access to unaffiliated third party managers and their teams.
- Thematic investing ideas and asset allocation models from Morgan Stanley’s Global Investment Committee, guiding your overall portfolio allocation.
- Customized lending solutions from Morgan Stanley Private Bank, National Association, addressing your financing needs.
- Dedicated specialists in wealth transfer, philanthropy, family dynamics, concierge and lifestyle advisory services, and other family office capabilities, supporting the non-financial needs you may have.
Not all products and services are available to clients outside of the United States.
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 suitable 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”) 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.
CRC 3430115 05/22
Media and Research
The links below provide detailed analysis on topics and themes that are affecting the markets and business world today.
GIC Weekly Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at market conditions and asset class performance.
Read the Latest Report
On The Markets Report
Detailed market commentary from Morgan Stanley's Global Investment Committee that summarizes research and analysis on each asset class and provides updated model portfolios.
Read the Latest Report
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen To The Latest Episode
Now, What's Next Podcast
The world is changing in ways we never expected. And the Morgan Stanley Ideas podcast is changing alongside it. Our new podcast looks at life AFTER the global pandemic. Sonari Glinton makes sense of how the world continues to evolve in the face of a global crisis and the rare chance it’s given us to rethink our assumptions. This may be a once-in-a-lifetime challenge, but it’s also an opportunity to create real and lasting change.
Listen to the Latest EpisodeClient Digital Tools and Resources
In partnership with Morgan Stanley, The Arriola Group strives to ensure our clients are serviced through market-leading technology platforms that are safe and efficient. Our clients' comfort, security and needs are our top priority.In partnership with Morgan Stanley, The Arriola Group strives to ensure our clients are serviced through market-leading technology platforms that are safe and efficient. Our clients' comfort, security and needs are our top priority.
DIGITAL TOOLS
Morgan Stanley Online (MSO)
MSO provides clients with convenient online access to their account information, reporting tools, cash management solutions, and market research. Click below to learn more about these advantages.
Morgan Stanley Mobile App
Access your account wherever, whenever using the Morgan Stanley Mobile App. It gives you the same capabilities as Morgan Stanley Online from the convenience of your phone. To learn about the mobile capabilities and how to get the app, click below.
eDelivery
E-Delivery allows you to securely save, print, send, and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App. Activate this important feature in Morgan Stanley Online.
eSign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures from clients on paperwork. There is no registration process for you to begin using E-Sign - all you need is a valid email address and phone number.
eAuthorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows you to securely build a central, shared document library where all documents are stored using encryption.
RESOURCES IN SPANISH
Wealth Planning Considerations In Argentina (Spanish Version)
Read Here >
Insights & Outcomes Vol. 6 - Spanish Version
Read Here >Alternative investments may not be right for everyone, but for some investors they can play an important part in portfolio diversification. Alternatives tend to have lower correlations to traditional investments. Recently, more democratized Alternative structures have entered the market, bringing them within reach of more investors. As interest increases in allocating a portion of a well-balanced portfolio toward Alternatives, it is helpful to gain understanding of this asset class.
Alternatives encompass a large array of options including:
- Real Estate
- Private Equity
- Private Credit
- Exchange Funds
- Hedge Funds
- Fine Art
With over $1.7 trillion AUM (as of December 31, 2024), Morgan Stanley offers you:
- Strength - Unparalleled global reach, resources, and reputation
- Structure - Specialized teams with true investment autonomy
- Strategies - Diverse range of strategies in markets where we have an edge
Location
200 S Biscayne Blvd
Ste 1300
Miami, FL 33131
US
Direct:
(305) 908-8355(305) 908-8355
Meet The Arriola Group
Lucia Arriola, CFP®
Vice President, International Client Advisor, CERTIFIED FINANCIAL PLANNER®
Phone:
(305) 702-3335(305) 702-3335
Delfina Arriola
Registered Client Service Associate
Phone:
(305) 908-8349(305) 908-8349
Diana V. Reeves
Portfolio Associate
Phone:
(305) 908-8354(305) 908-8354
About Luis F. Arriola
With more than 3 decades in the industry, Luis helps families, individuals, institutions, and pension plans reach their investment objectives throughout Latin America and Spain. Being bilingual in English and Spanish has given him an advantage in his career. His ability to communicate with Spanish speaking clients has helped to articulate their objectives and design specific investment plans to reach their goals.
Born in Argentina, Luis studied Business Administration at the Universidad Catolica Argentina. He then moved to the United States in the 1980’s, where he graduated from Florida International University with a degree in Finance and International Business.
Luis started his career at Prudential Securities in 1992, where he reached the title of Senior Vice President of Investment. After nine years at Prudential, he was offered to move with his team to UBS where they remained until 2010. In 2010, he joined Morgan Stanley as an Executive Director, where he furthered his career and gained the titles of: International Client Advisor, Portfolio Manager, Director of Alternatives, and a European Economic Area Specialist. Since 1993, Luis has held a Series 7, 63, 65 licenses, as well as a Life insurance and Annuities license. Finally, he is also registered in multiple states in the US as a securities agent.
Luis has been married for thirty years and has three children; Delfina who is a Registered Client Service Associate for the team, Lucia that works as a Financial Advisor for the team, and Nicolas that is still in college. Luis is an avid reader, music lover, and has practiced multiple sports, including rugby, tennis, soccer, swimming, and golf.
Born in Argentina, Luis studied Business Administration at the Universidad Catolica Argentina. He then moved to the United States in the 1980’s, where he graduated from Florida International University with a degree in Finance and International Business.
Luis started his career at Prudential Securities in 1992, where he reached the title of Senior Vice President of Investment. After nine years at Prudential, he was offered to move with his team to UBS where they remained until 2010. In 2010, he joined Morgan Stanley as an Executive Director, where he furthered his career and gained the titles of: International Client Advisor, Portfolio Manager, Director of Alternatives, and a European Economic Area Specialist. Since 1993, Luis has held a Series 7, 63, 65 licenses, as well as a Life insurance and Annuities license. Finally, he is also registered in multiple states in the US as a securities agent.
Luis has been married for thirty years and has three children; Delfina who is a Registered Client Service Associate for the team, Lucia that works as a Financial Advisor for the team, and Nicolas that is still in college. Luis is an avid reader, music lover, and has practiced multiple sports, including rugby, tennis, soccer, swimming, and golf.
Securities Agent: SD, CO, LA, NC, MI, FL, DE, CA, MA, AZ, SC, IL, CT, WA, WY, TX, PA, MD, NJ, DC, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1796891
NMLS#: 1796891
About Lucia Arriola
Lucia Arriola focuses on client relationship management, financial planning, and investment solutions. She began her journey at Morgan Stanley in 2019 as a Wealth Advisor Associate in New York, NY where she focused on preparing and delivering comprehensive financial plans for clients. After two years in New York, she moved to Miami and the joined the team in 2021 as a Financial Advisor.
She graduated from the University of Miami with a B.A. in Finance and International Business, which included a semester abroad in Madrid, Spain where she studied at IE University. During this time, she held a summer internship position at UBS in New York, NY with their capital markets team. She holds her Series 7 and 66 licenses, and most recently received her Certified Financial Planner (CFP) designation.
Lucia is originally from Miami, FL and enjoys traveling, reading, playing tennis, running, and spending time with her family and friends.
She graduated from the University of Miami with a B.A. in Finance and International Business, which included a semester abroad in Madrid, Spain where she studied at IE University. During this time, she held a summer internship position at UBS in New York, NY with their capital markets team. She holds her Series 7 and 66 licenses, and most recently received her Certified Financial Planner (CFP) designation.
Lucia is originally from Miami, FL and enjoys traveling, reading, playing tennis, running, and spending time with her family and friends.
Securities Agent: MA, FL, CT, SD, DC, WY, PA, NY, DE, CO, ME, AZ, WA, TX, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 1915571
NMLS#: 1915571
About Delfina Arriola
After studying Psychology at Florida International University in Miami, Delfina began her career in the insurance industry in 2017. She worked at PVG Insurance Group for 2 years, being an account manager for her own book of clients. Being bilingual helped to both work and demonstrate excellent client service with domestic and international high-net-worth clients.
Then, in 2019, she joined the Arriola-Boker group at Morgan Stanley and began her career in finance and banking as a Client Service Associate. She furthered her career by becoming licensed with the Series 7 and 66 licenses, as she currently supports the team as a Registered CSA.
In her free time, Delfina enjoys reading, playing video games, exercising, and spending time with family and friends.
Then, in 2019, she joined the Arriola-Boker group at Morgan Stanley and began her career in finance and banking as a Client Service Associate. She furthered her career by becoming licensed with the Series 7 and 66 licenses, as she currently supports the team as a Registered CSA.
In her free time, Delfina enjoys reading, playing video games, exercising, and spending time with family and friends.
About Diana V. Reeves
Diana joined Morgan Stanley in 2015 after sixteen years out of the workforce. Diana currently holds the following licenses: Series 7, 66 and 3-Commodities along with the FL 215 Insurance and Annuities. As a Portfolio Associate, Diana’s primary responsibilities include client onboarding and providing excellent customer service to our entire book of business. Another important focus of Diana’s responsibilities is understanding how regulatory changes affect the products and services we provide to our clients.
A graduate with a BA from Brown University and a MBA from New York Stern School of Business, Diana started her banking career in retail and private banking in New York City in 1987 working for Manufacturers Hanover Trust and Bank of Bermuda NY Limited. In 1999, Diana moved to Miami to be closer to family and dedicated herself to her family and community. She was a PTA president for her children’s schools and an active member of her local community and church.
Diana grew up living in the Dominican Republic, Venezuela, Panama and Argentina. Diana enjoys travel, musical theatre, reading US presidential biographies all while spending time with family and friends.
A graduate with a BA from Brown University and a MBA from New York Stern School of Business, Diana started her banking career in retail and private banking in New York City in 1987 working for Manufacturers Hanover Trust and Bank of Bermuda NY Limited. In 1999, Diana moved to Miami to be closer to family and dedicated herself to her family and community. She was a PTA president for her children’s schools and an active member of her local community and church.
Diana grew up living in the Dominican Republic, Venezuela, Panama and Argentina. Diana enjoys travel, musical theatre, reading US presidential biographies all while spending time with family and friends.
Contact Luis F. Arriola
Contact Lucia Arriola
Wealth Management
From Our Team
Fall Newsletter - The Arriola Group at Morgan Stanley
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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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
Ready to start a conversation? Contact The Arriola 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.
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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 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
6Morgan 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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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 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
6Morgan 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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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)
