Lauren Gillooly Kemp, CAP®
Senior Vice President, Financial Advisor, Portfolio Management Director, Lending Specialist, Alternative Investments Director
Phone:
(914) 225-1109(914) 225-1109
The Aster Group at Morgan Stanley
Direct:
(914) 225-1109(914) 225-1109
Our Mission Statement
Comprehensive wealth planning strategies
to pursue your unique vision of a successful life.
to pursue your unique vision of a successful life.
Our Story and Services
We are a tightly knit team of experienced professionals who combine our talents to craft comprehensive wealth management solutions for families and individuals with complex financial lives. Our process begins by gaining an in-depth understanding of your personal and professional ambitions—the life you want to live and the legacy you want to leave. We listen carefully so we can partner with you and your other trusted advisors to develop and implement strategies based on your goals. We keep that conversation going over the course of our relationship so the solutions we offer keep pace with your life as your family grows and your priorities evolve.
Our team is comprised of Morgan Stanley veterans with decades of combined leadership experience in many areas of the wealth management business. These positions gave us the opportunity to develop an extensive knowledge of our firm’s capabilities, and to build a network that spans our wealth management and institutional divisions. We can leverage these strengths to help you pursue your personal, business and philanthropic objectives.
We seek to empower through education, offering the guidance and insight needed to help make informed financial decisions, and delivering the powerful resources of our firm to put those decisions into action.
We look forward to learning more about you, your business, your family and your vision of a successful life, and to discussing our approach to helping you. To begin that conversation, contact us.
Our team is comprised of Morgan Stanley veterans with decades of combined leadership experience in many areas of the wealth management business. These positions gave us the opportunity to develop an extensive knowledge of our firm’s capabilities, and to build a network that spans our wealth management and institutional divisions. We can leverage these strengths to help you pursue your personal, business and philanthropic objectives.
We seek to empower through education, offering the guidance and insight needed to help make informed financial decisions, and delivering the powerful resources of our firm to put those decisions into action.
We look forward to learning more about you, your business, your family and your vision of a successful life, and to discussing our approach to helping you. To begin that conversation, contact us.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WORKING WITH YOU
Our practice emphasizes personal client service combined with long-term financial planning. We focus on understanding your goals and values — where you want to go in life, and what you want to achieve – and using this information to develop your investment strategy. Unlike many advisors who leave much of the financial management to either a corporate team or digital platform, we personally customize and manage our clients' investment solutions in-house.
Our process begins with a conversation to learn more about you and understand your goals and priorities. From there, we use a variety of tools to identify appropriate solutions and recommendations, which are then presented to you in the form of a plan. We work together to adjust the plan and ensure the strategy is aligned to achieve your goals. We then set up a regular cadence to meet with you to track performance towards your goals, discuss any changes in your life, and update our strategies as needed.
When you work with us, you can expect:
Clear and Transparent Communication
Thoughtful and Unbiased Recommendations
Comprehensive Financial Planning
Precise and Efficient Implementation
Continuous Monitoring
First Class "High Touch" Customer Service
Access to the Full Breadth of Morgan Stanley's Products and Services
OUR FINANCIAL PLANNING PILLARS
Retirement Planning
With an understanding of both sides of the balance sheet, as well as your lifestyle and goals, we create interactive financial plans that allow us to account for every aspect of your financial life leading up to and through retirement. By monitoring and updating this plan throughout your life, we help ensure that you have the income and resources to live out the lifestyle you envision, while accounting for the unexpected.
Tax Planning & Advice
Tax-Efficient Investment Management can have a significant impact on after-tax returns, particularly for clients in the top tax brackets. Which this in mind, along with actively tax managed portfolios that tax-loss harvest on a regular basis, we have numerous strategies available to clients to minimize taxes when dealing with highly appreciated stock. We will often work in conjuncture with your CPA (and can refer one if needed), to ensure a cohesive tax management strategy.
Estate Planning
While wealth accumulation and preservation are vital facets of our financial lives, planning for the legacy we leave behind is just as important. Whether you plan to pass wealth to your heirs, foundations, or charities, we work together with you and your estate attorneys to ensure that your wishes are met in the most efficient and cost-effective way possible.
Portfolio Management
While there are certain key tenants of investing that tend to lead to success, we firmly believe that great investment management cannot have a cookie-cutter approach. We know that no two clients are the same, and so every portfolio is custom, purpose-built to fit your individual investment style, preferences, goals and desires. Like your financial plan, our portfolios are actively monitored and adjusted to change not just according to the markets, but your life and evolving needs.
Trust Planning
Trust Planning can be a complicated process. While you cannot take it with you, a trust can help define how you want your life's work and wealth to continue to benefit the people and causes you love and care for. We will work with you to help build, protect, and pass on a legacy you would be proud of.
Alternative Investments
Our leading alternatives platform offers 160+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Location
2000 Westchester Ave 1nc
Purchase, NY 10577
US
Direct:
(914) 225-1109(914) 225-1109
Meet The Aster Group
Cassie Obzud
Financial Advisor, Financial Planning Specialist
Phone:
(914) 225-0693(914) 225-0693
Phone:
(914) 225-6380(914) 225-6380
Pamela L Lowell
Portfolio Associate
Phone:
(914) 225-6739(914) 225-6739
About Lauren Gillooly Kemp
A founding partner of The Aster Group, Lauren Kemp draws on more than a decade of diverse financial services industry experience to craft highly customized wealth management plans for her clients. Lauren has earned internal designations as a Morgan Stanley Alternative Investments Director, Portfolio Management Director and Lending Specialist. She also holds an external designation as a Chartered Advisor in Philanthropy® (CAP®).
Lauren began her financial services career at Morgan Stanley’s corporate headquarters, where she led strategic initiatives in digital transformation, expense management and top-line revenue growth. This experience gave her a deep understanding of the firm’s full suite of products, services and resources—insight she now leverages to help clients navigate their financial lives with clarity and purpose.
Before joining Morgan Stanley, Lauren was selected from a competitive pool of over 48,000 applicants to serve in the prestigious Teach for America corps. She dedicated two years to teaching 7th and 8th grade math and science in the Mississippi Delta, working to close the educational achievement gap in underserved communities. Following her time in the classroom, she transitioned to the organization's national admissions team, where she focused on recruiting, training and developing future teachers.
Lauren graduated summa cum laude and was elected to Phi Beta Kappa at Boston College, earning an honors B.A. in international politics and economics. A standout student-athlete, she was a recruited member of the #1 nationally ranked Boston College varsity sailing team and earned First Team All-American honors for her contributions to multiple national titles. She continues to compete in national and international regattas and represents the New York Yacht Club in team racing events.
Committed to community service, Lauren serves on the New York Yacht Club's membership committee. She lives in New Canaan, Connecticut, with her husband, Jamie; her stepdaughter, Penny; and their daughter, Pippa.
Lauren began her financial services career at Morgan Stanley’s corporate headquarters, where she led strategic initiatives in digital transformation, expense management and top-line revenue growth. This experience gave her a deep understanding of the firm’s full suite of products, services and resources—insight she now leverages to help clients navigate their financial lives with clarity and purpose.
Before joining Morgan Stanley, Lauren was selected from a competitive pool of over 48,000 applicants to serve in the prestigious Teach for America corps. She dedicated two years to teaching 7th and 8th grade math and science in the Mississippi Delta, working to close the educational achievement gap in underserved communities. Following her time in the classroom, she transitioned to the organization's national admissions team, where she focused on recruiting, training and developing future teachers.
Lauren graduated summa cum laude and was elected to Phi Beta Kappa at Boston College, earning an honors B.A. in international politics and economics. A standout student-athlete, she was a recruited member of the #1 nationally ranked Boston College varsity sailing team and earned First Team All-American honors for her contributions to multiple national titles. She continues to compete in national and international regattas and represents the New York Yacht Club in team racing events.
Committed to community service, Lauren serves on the New York Yacht Club's membership committee. She lives in New Canaan, Connecticut, with her husband, Jamie; her stepdaughter, Penny; and their daughter, Pippa.
Securities Agent: WA, CO, AZ, IL, FL, OR, VT, NJ, DE, AK, PA, NH, CA, VA, MI, GA, MA, IN, ME, NC, OH, SC, NY, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1578888
NMLS#: 1578888
About Cassie Obzud
A dedicated Financial Planning Specialist, Cassie Obzud crafts highly customized financial solutions for families, individuals and business owners that reflect their unique goals and values.
Cassie joined Morgan Stanley in 2017 and progressed through a series of increasingly responsible positions in the Business Management and Strategy division of Wealth Management. In these roles she gained insight into and experience with the firm’s full suite of industry-leading client solutions. Cassie leverages these resources for her clients in her current role as a Financial Advisor.
Prior to joining Morgan Stanley, Cassie attended Lehigh University, where she earned her B.A. in business and economics.
Cassie grew up and currently resides in Bedford, New York. When not in the office, she enjoys playing golf, cooking and traveling.
Cassie joined Morgan Stanley in 2017 and progressed through a series of increasingly responsible positions in the Business Management and Strategy division of Wealth Management. In these roles she gained insight into and experience with the firm’s full suite of industry-leading client solutions. Cassie leverages these resources for her clients in her current role as a Financial Advisor.
Prior to joining Morgan Stanley, Cassie attended Lehigh University, where she earned her B.A. in business and economics.
Cassie grew up and currently resides in Bedford, New York. When not in the office, she enjoys playing golf, cooking and traveling.
Securities Agent: CO, IL, NY, SC, CA, AZ, WA, VT, VA, OR, NH, IN, GA, MA, DE, OH, FL, CT, PA, NC, MI, AK, NJ, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 2528117
NMLS#: 2528117
About Jamie Kemp
With more than two decades of leadership experience at Morgan Stanley, Jamie Kemp delivers the full breadth of Morgan Stanley’s capabilities to help clients navigate the complexities of significant wealth. Jamie focuses on serving the team’s ultra high net worth clients, providing tailored strategies to address their sophisticated financial needs.
Before transitioning to his current role, Jamie spent 20 years as a Corporate Executive at Morgan Stanley, shaping key initiatives across the firm’s Wealth Management business. Most recently, he was Head of Strategy for the Morgan Stanley Family Office Group, delivering sophisticated solutions for clients with over $500 million in assets. Prior to that, he served as COO of the Strategic Transformation Group, where he helped integrate Morgan Stanley and E*TRADE to create a seamless and modernized wealth management experience.
Earlier in his career, Jamie was Head of the Office of Business Management, where he designed and implemented incentive plans and oversaw business management platforms. He began his Morgan Stanley career in 2005 in Field Finance, supporting revenue growth and expense management. Before that, he worked at Aveva, a U.K.-based engineering firm, focusing on project management and finance.
Originally from the south coast of England, Jamie earned his B.Sc. in biochemistry from Imperial College London. He moved to the U.S. in 2004 and now lives in New Canaan, Connecticut, with his wife, Lauren, and their daughters, Penelope and Pippa. Outside of work, he enjoys gardening, hiking, cycling and spending time outdoors with his family.
Before transitioning to his current role, Jamie spent 20 years as a Corporate Executive at Morgan Stanley, shaping key initiatives across the firm’s Wealth Management business. Most recently, he was Head of Strategy for the Morgan Stanley Family Office Group, delivering sophisticated solutions for clients with over $500 million in assets. Prior to that, he served as COO of the Strategic Transformation Group, where he helped integrate Morgan Stanley and E*TRADE to create a seamless and modernized wealth management experience.
Earlier in his career, Jamie was Head of the Office of Business Management, where he designed and implemented incentive plans and oversaw business management platforms. He began his Morgan Stanley career in 2005 in Field Finance, supporting revenue growth and expense management. Before that, he worked at Aveva, a U.K.-based engineering firm, focusing on project management and finance.
Originally from the south coast of England, Jamie earned his B.Sc. in biochemistry from Imperial College London. He moved to the U.S. in 2004 and now lives in New Canaan, Connecticut, with his wife, Lauren, and their daughters, Penelope and Pippa. Outside of work, he enjoys gardening, hiking, cycling and spending time outdoors with his family.
NMLS#: 1963469
About Pamela L Lowell
Pamela Lowell started her career in the financial services industry with The Consulting Group, the advisory services division of Shearson Lehman Brothers as a new account associate specializing in retail and institutional account opening in 1993. Over the years, she has held several positions within the advisory division, client service and billing associate, as well as a database analyst. In her role as a database analyst, she was the recipient of the inaugural Analyst Ally award for outstanding service in her first year on the job.
Drawing on nearly 30 years of experience, Pam is responsible team’s day-to-day operations, client service, and Financial Advisor support. Pam is involved in onboarding new clients; identifies and communicates with many internal departments; and provides guidance to both clients and Financial Advisors when operational and procedural questions arise.
Pam graduated from Penn State University in 1992 with a B.S. Economics. She has her Series 7 and 66 licenses. Outside the office, she spends her time with her husband, David and her twin children. Through her husband, she is involved with a local community theater group, managing things mostly backstage but on occasion has been on the stage performing.
Drawing on nearly 30 years of experience, Pam is responsible team’s day-to-day operations, client service, and Financial Advisor support. Pam is involved in onboarding new clients; identifies and communicates with many internal departments; and provides guidance to both clients and Financial Advisors when operational and procedural questions arise.
Pam graduated from Penn State University in 1992 with a B.S. Economics. She has her Series 7 and 66 licenses. Outside the office, she spends her time with her husband, David and her twin children. Through her husband, she is involved with a local community theater group, managing things mostly backstage but on occasion has been on the stage performing.
Contact Lauren Gillooly Kemp
Contact Cassie Obzud
Contact Jamie Kemp
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 Aster Group today.
1Morgan 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.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Alternative 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.
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 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.
7When 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.
8Insurance 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.
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
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Alternative 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.
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 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.
7When 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.
8Insurance 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.
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)
