Charles R Albanese
Executive Director, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(212) 692-2838(212) 692-2838
The Atrium Group at Morgan Stanley
Charles R AlbaneseGary A Blumenfeld, CRPS®, RICP®Christopher J McKeefreyAnne L NavaskyJohn M Robards, CFA®Helen M TruaxThomas NixonTyler Lombardo
Direct:
(212) 692-2887(212) 692-2887
Industry Award WinnerOur Mission Statement
To create a powerful difference in the lives of our clients by helping them make their personal and family dreams more tangible.
About Us
Forbes Best-In-State Wealth Management Teams
Forbes Best-in-State Wealth Advisors
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You'll have access to some of the world's most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Disclosures:
2023-2026 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2023-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Services Include
- 401(k) Rollovers
- 529 PlansFootnote1
- AnnuitiesFootnote2
- Asset Management
- Business Succession PlanningFootnote3
- Corporate Retirement PlansFootnote4
- Estate Planning StrategiesFootnote5
- Financial PlanningFootnote6
- Fixed IncomeFootnote7
- Lending Products
- Life InsuranceFootnote8
- Municipal BondsFootnote9
- Retirement PlanningFootnote10
- Sustainable InvestingFootnote11
- Wealth ManagementFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Location
55 East 52nd Street 12th
Fl
New York, NY 10055
US
Direct:
(212) 692-2887(212) 692-2887
Meet The Atrium Group
Gary A Blumenfeld, CRPS®, RICP®
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(212) 692-2815(212) 692-2815
Christopher J McKeefrey
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager, Financial Planning Specialist, Lending Specialist
Phone:
(212) 692-2901(212) 692-2901
Anne L Navasky
First Vice President, Wealth Management, Financial Advisor
Phone:
(212) 692-2849(212) 692-2849
Senior Vice President, Wealth Management, Wealth Advisor, International Client Advisor, Portfolio Manager, Alternative Investments Director
Phone:
(212) 878-3939(212) 878-3939
Phone:
(760) 776-6217(760) 776-6217
Phone:
(212) 692-2840(212) 692-2840
Tyler F. Lombardo
Investment Consultant, Financial Planning Specialist
Phone:
(212) 692-2887(212) 692-2887
Matthew McKeefrey
Portfolio Associate
Phone:
(212) 878-3937(212) 878-3937
Amanda Cristo
Portfolio Associate, Financial Planning Specialist
Phone:
(212) 692-2926(212) 692-2926
Sahil Jolly
Portfolio Associate, Financial Planning Specialist
Phone:
(212) 692-2896(212) 692-2896
About Charles R Albanese
Charlie holds a BA degree in Economics and Marketing from Fairfield University in Fairfield, CT.
Charlie has worked at Morgan Stanley and its predecessor firms as a Financial Advisor for 31 years. He became a Financial Advisor with Shearson Lehman Brothers in 1991, at the age of 24, currently a legacy firm of Morgan Stanley. Working at the same firm through mergers with likes of Salomon Brothers, Smith Barney, and Citibank has enabled Charlie to experience many financial industry vantage points.
Some of his Industry Education and licensing include a Financial Planning Specialist designation, both a Series 63 and Series 7 license. Within the Morgan Stanley Portfolio Management Program, Charlie is designated as Senior Portfolio Manager. Moreover, Charlie is Life and Variable Annuity Insurance Licensed.
Charlie works with clients coming from all walks of life. He enjoys helping these clients simplify their financial lives, allowing more time to be spent on their own careers, families and life interests. Charlie will attempt to achieve their financial goals utilizing a variety of financial services.
He has been a member of the Masters Council at Morgan Stanley since 2011.
Charlie lives in Manhasset NY, with his wife Loraine and their two daughters, both of whom have recently graduated from college.
Charlie has worked at Morgan Stanley and its predecessor firms as a Financial Advisor for 31 years. He became a Financial Advisor with Shearson Lehman Brothers in 1991, at the age of 24, currently a legacy firm of Morgan Stanley. Working at the same firm through mergers with likes of Salomon Brothers, Smith Barney, and Citibank has enabled Charlie to experience many financial industry vantage points.
Some of his Industry Education and licensing include a Financial Planning Specialist designation, both a Series 63 and Series 7 license. Within the Morgan Stanley Portfolio Management Program, Charlie is designated as Senior Portfolio Manager. Moreover, Charlie is Life and Variable Annuity Insurance Licensed.
Charlie works with clients coming from all walks of life. He enjoys helping these clients simplify their financial lives, allowing more time to be spent on their own careers, families and life interests. Charlie will attempt to achieve their financial goals utilizing a variety of financial services.
He has been a member of the Masters Council at Morgan Stanley since 2011.
Charlie lives in Manhasset NY, with his wife Loraine and their two daughters, both of whom have recently graduated from college.
Securities Agent: UT, NC, OR, MO, MD, LA, IA, CA, VT, TX, SC, KS, AZ, WA, NV, WV, NM, IN, WI, NY, MT, IL, ID, WY, MN, MI, FL, PR, ME, MA, DE, DC, CT, RI, NH, HI, CO, VA, GA, PA, OH, NJ, NE; General Securities Representative; Investment Advisor Representative
NMLS#: 1278817
NMLS#: 1278817
About Gary A Blumenfeld
Gary holds a BBA degree in Accounting from Bernard M. Baruch College in New York City (NYC).
Gary earned his CPA license* after working with Coopers & Lybrand from 1978 to 1981. After that he continued his accounting and financial career at Bankers Trust. In 1989 he left Bankers Trust to pursue his entrepreneurial dreams by launching and later selling a small business in 2000. Gary continued on as a consultant for the acquiring company for 4 years.
In January of 2005 Gary decided to continue pursuing his entrepreneurial interests, while re-visiting his financial background, and joined Smith Barney now Morgan Stanley* as a Financial Advisor. In his first two years at Morgan Stanley*, Gary had earned significant achievements and was promoted to 2nd Vice President – Wealth Management. Gary’s biggest strengths are his ability to listen to his clients in order to understand their goals, dreams and risk profiles, which he then uses to craft the financial strategy that is appropriate for the client. Matching investment strategies to a client’s goals and time horizons is a critical component of Gary’s approach.
In May, 2011 Gary achieved the designation of Chartered Retirement Plans SpecialistSM (CRPS®) at the College for Financial Planning.
*non practicing
Gary earned his CPA license* after working with Coopers & Lybrand from 1978 to 1981. After that he continued his accounting and financial career at Bankers Trust. In 1989 he left Bankers Trust to pursue his entrepreneurial dreams by launching and later selling a small business in 2000. Gary continued on as a consultant for the acquiring company for 4 years.
In January of 2005 Gary decided to continue pursuing his entrepreneurial interests, while re-visiting his financial background, and joined Smith Barney now Morgan Stanley* as a Financial Advisor. In his first two years at Morgan Stanley*, Gary had earned significant achievements and was promoted to 2nd Vice President – Wealth Management. Gary’s biggest strengths are his ability to listen to his clients in order to understand their goals, dreams and risk profiles, which he then uses to craft the financial strategy that is appropriate for the client. Matching investment strategies to a client’s goals and time horizons is a critical component of Gary’s approach.
In May, 2011 Gary achieved the designation of Chartered Retirement Plans SpecialistSM (CRPS®) at the College for Financial Planning.
*non practicing
Securities Agent: MA, IA, GA, UT, NY, NM, NJ, MI, DE, NC, MN, ME, FL, AZ, MT, LA, IN, IL, CO, WV, MD, OH, NV, NE, MO, ID, SC, OR, KS, HI, WA, VT, PA, DC, CT, RI, NH, CA, WY, WI, VA, PR, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 1265261
NMLS#: 1265261
About Christopher J McKeefrey
Chris first began his professional career as a Client Service Associate at Smith Barney, now Morgan Stanley Smith Barney in 2001. During this tenure Chris worked with numerous Financial Advisors in administrative & support capacities helping them to service their existing book of clients. It was during this time that Chris began to recognize the impact that Financial Advisors can have on all aspects of the lives of client’s and their loved ones.
In 2004, with this new found perspective in mind, Chris transitioned himself within MSSB from his support role to a Financial Advisor, whose primary responsibility would be to advise the financial lives of his client’s. During his first couple of years in production Chris was recognized among his peers as a Blue Chip Council Member and in 2008 was promoted to First Vice President – Wealth Management. The part of the business that Chris finds most rewarding is in truly getting to know his client’s on a personal & professional level, as the wealth management process begins by obtaining a complete profile and appreciation of a client’s financial circumstances. This understanding of a client’s financial goals, tolerance for risk & time horizon is then used to chart a financial plan and implement a corresponding investment strategy. Once the course is plotted, Chris employs a disciplined approach to keep clients on track through life’s uncertainties to help them achieve their objectives. Chris enjoys working with numerous high net worth families, small businesses & foundations that have entrusted him with the responsibility of managing their financial lives.
In his free time, Chris enjoys skiing with his family at Windham Mountain where he is a member of the Volunteer Ski Patrol & spending time with his wife Lauren & children (Shea & Ryan).
In 2004, with this new found perspective in mind, Chris transitioned himself within MSSB from his support role to a Financial Advisor, whose primary responsibility would be to advise the financial lives of his client’s. During his first couple of years in production Chris was recognized among his peers as a Blue Chip Council Member and in 2008 was promoted to First Vice President – Wealth Management. The part of the business that Chris finds most rewarding is in truly getting to know his client’s on a personal & professional level, as the wealth management process begins by obtaining a complete profile and appreciation of a client’s financial circumstances. This understanding of a client’s financial goals, tolerance for risk & time horizon is then used to chart a financial plan and implement a corresponding investment strategy. Once the course is plotted, Chris employs a disciplined approach to keep clients on track through life’s uncertainties to help them achieve their objectives. Chris enjoys working with numerous high net worth families, small businesses & foundations that have entrusted him with the responsibility of managing their financial lives.
In his free time, Chris enjoys skiing with his family at Windham Mountain where he is a member of the Volunteer Ski Patrol & spending time with his wife Lauren & children (Shea & Ryan).
Securities Agent: DE, WY, NJ, NH, MO, AZ, VA, IA, MT, MI, LA, WA, RI, NV, OH, NY, MA, KS, HI, GA, DC, CT, SC, MN, ME, MD, WV, UT, TX, IN, FL, WI, VT, CA, PR, NE, CO, PA, OR, NM, NC, IL, ID; General Securities Representative; Investment Advisor Representative
NMLS#: 1278668
NMLS#: 1278668
About Anne L Navasky
Anne graduated from New York University with a degree in English Literature and started work shortly thereafter at the firm of A.G.Becker where she was employed by the Institutional Sales Team under the direction of Richard Gilder, Jr. While there, she supervised the order desk and met with various institutional clients of the team as well as with the individual personal clients of each of the team members. This was during the 1960’s, a period when Hedge funds were just coming into being, many of which were clients of the team; and it was here that she was afforded an unusual opportunity to learn about portfolio construction and security analysis. After becoming a registered investment advisor at A. G. Becker and attracting a clientele of individual investors, she moved to the firm of Shearson Hammill to team with her mother who was one of the first women brokers on Wall Street. She has been employed with the same firm essentially since then, although through many transformations, acquisitions and name changes.
As a financial advisor over the years, Anne has become fascinated by the way an investor can find in the daily newspapers, much of the information needed to manage investments. As a result, she reads three newspapers daily. Her clients are from many walks of life, but are concentrated in the world of education and authorship. She is married to Victor Navasky and has 3 children and 5 grandchildren.
As a financial advisor over the years, Anne has become fascinated by the way an investor can find in the daily newspapers, much of the information needed to manage investments. As a result, she reads three newspapers daily. Her clients are from many walks of life, but are concentrated in the world of education and authorship. She is married to Victor Navasky and has 3 children and 5 grandchildren.
Securities Agent: GA, AZ, WY, MD, MA, IA, PA, NH, ME, IN, WA, RI, CO, OR, NC, MO, LA, KS, PR, NJ, MI, FL, VT, NE, MT, ID, HI, CT, WV, WI, OH, MN, VA, SC, NV, IL, CA, UT, TX, NY, NM, DE, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1265319
NMLS#: 1265319
About John M Robards
John Robards CFA is a Senior Vice President, Portfolio Manager, and International Client Advisor with 37 years of experience in the Financial Services industry. John graduated from Hamilton College in 1984 with a Bachelor’s degree in English Literature, and earned his Chartered Financial Analyst charter in 1999. John is a native of Westchester County in the New York City suburbs, and lives there now with his wife Poppy.
Securities Agent: FL, NY, MT, IN, AZ, WY, TX, RI, ID, DC, VA, MN, HI, AR, WA, OR, NE, MO, MA, AL, UT, NC, CO, WV, PA, MD, IL, SC, NJ, NH, MI, GA, CT, CA, OH, NM, KS, IA, VT, NV, DE, WI, PR, ME, LA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282589
NMLS#: 1282589
About Thomas Nixon
Tom Nixon is a Senior Vice President and financial advisor. His ability to understand his clients needs comes from a lifetime of diverse life/business experience. Growing up in the Pacific Northwest introduced Tom to farming, work as a Park Ranger-Law enforcement officer at Yellowstone National Park, a self-made business owner and also a manager at Nordstrom prior to his 17 years in the financial industry. His unique background of diverse encounters help aid in assessing his clients individual needs, while providing excellent customer service.
Securities Agent: WI, HI, IL, UT, PR, NV, IN, NY, NJ, ID, GA, CO, CA, WY, TX, MI, ME, DE, NE, MO, MA, FL, OR, NM, LA, DC, PA, MT, MD, CT, VT, SC, RI, KS, AZ, WA, OH, NH, MN, IA, WV, VA, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 1279595
CA Insurance License #: 0G42330
NMLS#: 1279595
CA Insurance License #: 0G42330
About Helen M Truax
Securities Agent: CO, DE, OH, NH, LA, WA, VA, PA, NE, MA, IL, GA, MN, WV, AZ, WY, TX, NM, MT, MD, FL, CA, WI, RI, PR, MI, HI, DC, NV, NJ, ME, KS, SC, NY, NC, VT, UT, ID, IA, CT, OR, MO, IN; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 2651564
NMLS#: 2651564
Contact Charles R Albanese
Contact Gary A Blumenfeld
Contact Christopher J McKeefrey
Contact Anne L Navasky
Contact John M Robards
Contact Thomas Nixon
Contact Helen M Truax
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2023-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisors
2023-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
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Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Atrium Group today.
1Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan 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.
4When 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.
5Morgan 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 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
10When 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.
11Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
12Morgan 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.
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
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan 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.
4When 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.
5Morgan 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 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
10When 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.
11Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
12Morgan 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.
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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
