Christopher Stimming, CFP®, QPFC
Executive Director, Wealth Management, Financial Advisor, Alternative Investments Director
Phone:
(713) 965-8032(713) 965-8032
The Aspiro Group at Morgan Stanley
Our Mission Statement
Aspiring to achieve YOUR life’s goals.
Our Story and Services
The Aspiro Group at Morgan Stanley understands that your wealth transcends everything. To that end, we are dedicated to being a trusted advisor on your lifelong financial journey. Our name has significant meaning. It originates from the Latin word aspiro, meaning ”to aspire.” Our goal is to deeply understand your aspirations and to uncover where you are today to get you where you want to go in the future.
Through a thoughtful approach, we always keep our clients informed and create personalized financial plans and customized portfolios based on each client’s unique needs. We always put our clients first and take pride in our high-touch client service model and proactive client communication.
Our experienced team focuses on a select number of clients to ensure you receive the time and attention you deserve. Through the broad resources of Morgan Stanley and by working with your outside professionals, we offer comprehensive wealth management. With wealth, comes inevitable challenges. We are problem solvers and if we don’t know the answers, we will find them. We know how hard you have worked to build your wealth and we will work hard to achieve your aspirations.
Through a thoughtful approach, we always keep our clients informed and create personalized financial plans and customized portfolios based on each client’s unique needs. We always put our clients first and take pride in our high-touch client service model and proactive client communication.
Our experienced team focuses on a select number of clients to ensure you receive the time and attention you deserve. Through the broad resources of Morgan Stanley and by working with your outside professionals, we offer comprehensive wealth management. With wealth, comes inevitable challenges. We are problem solvers and if we don’t know the answers, we will find them. We know how hard you have worked to build your wealth and we will work hard to achieve your aspirations.
Services Include
- Business PlanningFootnote1
- Alternative InvestmentsFootnote2
- Corporate Retirement PlansFootnote3
- Executive Financial ServicesFootnote4
- Trust ServicesFootnote5
- Wealth ManagementFootnote6
- Endowments and FoundationsFootnote7
- Cash Management and Lending ProductsFootnote8
- Life InsuranceFootnote9
- Long-term Care InsuranceFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our approach takes a comprehensive view of your life. In our initial conversations, we focus on what matters most to you—your family, your personal aspirations, and the goals you want to achieve. We work together to understand the future you envision and the legacy you hope to create.
1) Discovery & Goal Setting
We begin with an in-depth conversation to understand what is important to you, your family and your legacy. We learn about the values that shape your decisions and identify any circumstances unique to your personal situation. We collect important financial information and identify your top priorities.
2) Analysis and Strategy Development
Here, we conduct a detailed analysis of your financial situation using various financial planning and risk analysis tools. We then develop a detailed financial plan with recommendations to help you effectively build, preserve and transfer your wealth. This analysis serves as the foundation for your initial plan, as well as future wealth management decisions.
3) Financial Plan Presentation
In this step, we present your plan in detail, which includes recommendations to make your life better. These may include changes to your asset allocation and investment strategy, as well as advice on particularly complex issues, such as estate planning and tax minimization strategies. Once we’ve discussed and refined your plan, we identify the specific investments to support the recommendations we presented.
4) Implementation
Upon your approval, we’ll begin to implement the strategies outlined in your plan. Once your assets have been transferred to Morgan Stanley and are aligned with your investment strategy, we walk you through the details of your new statement and introduce all the new tools and resources now available to you.
5) Ongoing Service
Milestones like buying and selling a home, retirement, or starting or selling a business can all have a significant impact on your overall wealth. We monitor progress towards each goal, adjusting your financial plan accordingly as changes in your life occur.
A Financial Plan Made For You
Our wealth management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan.
At Morgan Stanley, we understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, we can help you take charge of your financial future an achieve your goals. Below, we have provided some links that will introduce you to a few of the tools that we use, please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth.
At Morgan Stanley, we understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, we can help you take charge of your financial future an achieve your goals. Below, we have provided some links that will introduce you to a few of the tools that we use, please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth.
Goals Planning System
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Start Planning Now
Intelligent Risk Management
There’s a chance your portfolio may be at risk, but how you manage that risk is what matters.
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
https://www.morganstanley.com/articles/portfolio-risk-management-prepare-unexpected
View Tax-Aware Strategies HerePortfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
https://www.morganstanley.com/articles/portfolio-risk-management-prepare-unexpected
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Start Using the Tool Today
Thoughts On the Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Click here to learn more
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read The Latest Episode
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn More
2025 Federal Tax Tables
This document outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information
View 2025 Federal Tax Rates2026 Federal Tax Tables
This document outlines the 2026 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
View 2026 Federal Tax TablesQuick Links
Morgan Stanley provides clients with resources meant to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern market and economic landscape.
Goals Planning System (GPS)
Learn More
Morgan Stanley Online: Login
Login Here
Morgan Stanley Online and Mobile
Learn More
Total Wealth View: Troubleshooting Guide
Learn More
eDelivery
Learn More
Spending & Budgeting
Learn More
eAuthorization
Learn More
Digital Vault
Laern More
CashPlus
Learn More
Private Banking Group
Learn More
MSO Mobile Deposits
Learn More
VoiceID
Learn MoreLocation
2800 Post Oak Blvd
18th FL
Houston, TX 77056
US
Meet The Aspiro Group
Erin Halprin, CEPA®
Senior Vice President, Wealth Management, Financial Advisor, Insurance Planning Director, Family Wealth Director
Phone:
(713) 965-8033(713) 965-8033
Mohammad A. Khan
Business Development Associate
Phone:
(713) 965-8036(713) 965-8036
Christina Mondragon
Senior Registered Client Service Associate
Phone:
(713) 965-8034(713) 965-8034
About Christopher Stimming
Christopher understands that wealth plays a critical role in everyone’s lives. From where you live, to where you send your children to school, to traveling and supporting your family and lifestyle. He is dedicated to minimizing the complexities of wealth by having a comprehensive financial plan, so every client can strive to live the life they’ve always imagined and do it without financial concerns. Clients can rest assured that he always puts their interests first and focuses on their investments, so they don’t have to. Christopher focuses on in portfolio design and risk management, tax efficient investing, retirement planning, financing/lending, insurance, and legacy planning. In 2025, Chris was included as a member of Morgan Stanley's prestigious Century Club, an elite and exclusive group of the firm's financial advisors
A financial services industry veteran since 1996, prior to being a Financial Advisor Christopher worked for an institutional investment management firm and worked with several portfolio managers for large funds, pensions, and 401(k) plans. Christopher also worked for J.P. Morgan Private Bank and joined Morgan Stanley in 2022. He has earned the CERTIFIED FINANCIAL PLANNERTM professional certification to keep up with the latest investment strategies to that may be available to his clients. Christopher also holds his Health, Life, Property & Casualty Insurance Licenses. He graduated from Indiana University with a Bachelor of Arts and Sciences degree.
Christopher lives in Houston, Texas with his wife, Erin, and three children, Hopson, Eason, and Wells. He cares deeply about his community and is a St. John’s School Ambassador. He has also sponsored the Joe Smith & Allie LaForce CureHD Foundation along with Houston Area Parkinson’s Disease (HAPS). Outside of the office, Christopher enjoys coaching his children on various sports teams, travel with his family, tennis, reading, and mountain climbing.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Securities Agent: MO, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IL, IN, KY, LA, MA, MD, MN, MT, NC, NJ, NM, NY, OH, OK, PA,
TN, TX, VA, WA, WV, PR; General Securities Representative; Investment Advisor Representative
NMLS#: 2480650
A financial services industry veteran since 1996, prior to being a Financial Advisor Christopher worked for an institutional investment management firm and worked with several portfolio managers for large funds, pensions, and 401(k) plans. Christopher also worked for J.P. Morgan Private Bank and joined Morgan Stanley in 2022. He has earned the CERTIFIED FINANCIAL PLANNERTM professional certification to keep up with the latest investment strategies to that may be available to his clients. Christopher also holds his Health, Life, Property & Casualty Insurance Licenses. He graduated from Indiana University with a Bachelor of Arts and Sciences degree.
Christopher lives in Houston, Texas with his wife, Erin, and three children, Hopson, Eason, and Wells. He cares deeply about his community and is a St. John’s School Ambassador. He has also sponsored the Joe Smith & Allie LaForce CureHD Foundation along with Houston Area Parkinson’s Disease (HAPS). Outside of the office, Christopher enjoys coaching his children on various sports teams, travel with his family, tennis, reading, and mountain climbing.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Securities Agent: MO, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IL, IN, KY, LA, MA, MD, MN, MT, NC, NJ, NM, NY, OH, OK, PA,
TN, TX, VA, WA, WV, PR; General Securities Representative; Investment Advisor Representative
NMLS#: 2480650
Securities Agent: OK, NY, MA, IL, IN, CA, AZ, LA, PA, DE, VA, NJ, CO, NC, AR, AL, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 2480650
NMLS#: 2480650
About Erin Halprin
Erin specializes in working with business owners and focuses on helping clients accelerate the value of their business and keep more of what they've worked so hard to build. She understands the unique challenges entrepreneurs face balancing growth, risk, and long-term wealth. Erin focuses on strategies that not only increase enterprise value but also protect and preserve your personal and financial legacy. Whether you're scaling your company, planning an exit, or simply looking to optimize your financial future, Erin brings a deep understanding of business dynamics and a proactive, results-driven approach. She strives to be the “go-to” person for her clients, as well as their most trusted advisor for everything finance related.
In 2009, Erin began her wealth management career at J.P. Morgan Private Bank. In 2022, she joined Morgan Stanley. She is a Family Wealth Director, Insurance Planning Director, Certified Exit Planning Advisor, and holds her Health, Life, Property & Casualty Insurance Licenses. Erin graduated magna cum laude from Vanderbilt University with a BA in English Literature and received her MBA from the University of Texas McCombs School of Business with a concentration in Investment Management.
Erin lives in Houston, Texas, with her husband, David, and two young children. She is passionate about staying connected and participating in the local community. Erin is a member of the Investment Committee of the Board of Directors of the Ursuline Academy of Dallas Foundation. She is also a member of Houston’s Exceptional Women’s Network (HEWN). Outside of the office, she enjoys Pilates, walking, live music, watching her kids’ sports and being outdoors.
Securities Agent: KY, NC, MT, MO, LA, MA, NJ, MD, MN, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IL, WV, WA, VA, TX, TN, IN,
PR, PA, OK, OH, NY, NM; General Sec
In 2009, Erin began her wealth management career at J.P. Morgan Private Bank. In 2022, she joined Morgan Stanley. She is a Family Wealth Director, Insurance Planning Director, Certified Exit Planning Advisor, and holds her Health, Life, Property & Casualty Insurance Licenses. Erin graduated magna cum laude from Vanderbilt University with a BA in English Literature and received her MBA from the University of Texas McCombs School of Business with a concentration in Investment Management.
Erin lives in Houston, Texas, with her husband, David, and two young children. She is passionate about staying connected and participating in the local community. Erin is a member of the Investment Committee of the Board of Directors of the Ursuline Academy of Dallas Foundation. She is also a member of Houston’s Exceptional Women’s Network (HEWN). Outside of the office, she enjoys Pilates, walking, live music, watching her kids’ sports and being outdoors.
Securities Agent: KY, NC, MT, MO, LA, MA, NJ, MD, MN, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IL, WV, WA, VA, TX, TN, IN,
PR, PA, OK, OH, NY, NM; General Sec
Securities Agent: NC, AL, AZ, PA, VA, OK, NY, TX, IL, CO, LA, CA, NJ, DE, MA, AR, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 837054
NMLS#: 837054
About Mohammad A. Khan
Mohammad has a deep fascination with the world of finance. He takes his role of delivering first-class service to clients very seriously. He has a strong ability to empathize with clients and strives to help them to understand the importance of comprehensive financial planning. Mohammad finds great satisfaction in contributing to clients’ financial success and team growth. He specializes in navigating the diverse landscape of Alternative Investments, particularly in private markets. His philosophy revolves around a personalized and holistic strategy that aligns with clients’ unique financial goals and aspirations.
In 1997, Mohammad began his career in the financial sector in New York City. Before joining Morgan Stanley in 2022, Mohammad worked as a Private Client Banker at J.P. Morgan Chase, where he shaped his approach to the financial industry. He holds his Series 7, 6, 63, 65 professional licenses, as well as his General Lines Insurance License.
Mohammad lives in Houston, Texas with his wife Jasmin and two children, Shaheer and Falak. Outside of the office, he enjoys volunteering for after school mentoring programs. He also loves to travel, visit theme parks, ziplining, and cooking.
In 1997, Mohammad began his career in the financial sector in New York City. Before joining Morgan Stanley in 2022, Mohammad worked as a Private Client Banker at J.P. Morgan Chase, where he shaped his approach to the financial industry. He holds his Series 7, 6, 63, 65 professional licenses, as well as his General Lines Insurance License.
Mohammad lives in Houston, Texas with his wife Jasmin and two children, Shaheer and Falak. Outside of the office, he enjoys volunteering for after school mentoring programs. He also loves to travel, visit theme parks, ziplining, and cooking.
About Christina Mondragon
Christina helps clients handle their day-to-day financial needs and enjoys building trusted relationships. She is responsible for building financial plans, as well as helping with opening accounts, account transfers, money movements, retirement plan rollovers, and other service needs. Christina loves helping to prepare financial plans and improve efficiency by streamlining operations for the team. She was raised in a household that lived by the principle "live on less than you make and save the rest for the future.” This principle led her to a career in helping others prepare for their futures and to live with financial peace.
In 1999, Christina began her career in financial services as a bank teller while attending college full-time. She became securities and insurance licensed upon graduating from the University of Houston with a BBA in Finance. Her deep experience includes being a Private Banker, Relationship Manager and Financial Advisor. In 2022, she joined Morgan Stanley. Christina holds her Series 7 and 66 professional licenses, as well as her Life & Health Insurance Licenses. She is fluent in Spanish.
Christina lives in Houston, Texas with her husband, Horacio and their two children, Eli and Emma. Christina and her family are active in their local church, where they have opportunities to volunteer to help feed the hungry and support children in their local schools. She loves attending her children’s athletic events and being their loudest cheerleader. Christina and her family are big fans of all Houston sports teams, especially the Houston Rockets. She enjoys reading, wine tasting, crafting, entertaining family and friends, and traveling with her family to explore new places.
In 1999, Christina began her career in financial services as a bank teller while attending college full-time. She became securities and insurance licensed upon graduating from the University of Houston with a BBA in Finance. Her deep experience includes being a Private Banker, Relationship Manager and Financial Advisor. In 2022, she joined Morgan Stanley. Christina holds her Series 7 and 66 professional licenses, as well as her Life & Health Insurance Licenses. She is fluent in Spanish.
Christina lives in Houston, Texas with her husband, Horacio and their two children, Eli and Emma. Christina and her family are active in their local church, where they have opportunities to volunteer to help feed the hungry and support children in their local schools. She loves attending her children’s athletic events and being their loudest cheerleader. Christina and her family are big fans of all Houston sports teams, especially the Houston Rockets. She enjoys reading, wine tasting, crafting, entertaining family and friends, and traveling with her family to explore new places.
Contact Christopher Stimming
Contact Erin Halprin
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
Frank Vatuna
Associate Private Banker
About Frank Vatuna
Frank Vatuna is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Texas.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Frank began his career in financial services in 1988 and joined Morgan Stanley in 2019 as an Associate Private Banker. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as a Lending Officer at Bank of America.
Frank is a graduate of the University of Houston, where he received a Bachelor of Business Administration in Finance. He lives in Magnolia, Texas with his family. Outside of the office, Frank enjoys traveling and spending time with family and friends. He also volunteers for March of Dimes and Houston Food Bank.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Frank began his career in financial services in 1988 and joined Morgan Stanley in 2019 as an Associate Private Banker. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as a Lending Officer at Bank of America.
Frank is a graduate of the University of Houston, where he received a Bachelor of Business Administration in Finance. He lives in Magnolia, Texas with his family. Outside of the office, Frank enjoys traveling and spending time with family and friends. He also volunteers for March of Dimes and Houston Food Bank.
NMLS#: 620249
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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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 Aspiro Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley 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.
5Morgan 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.
6Morgan 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Morgan 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
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley 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.
5Morgan 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.
6Morgan 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Morgan 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
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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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:
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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.
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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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
