Emily Bach
Managing Director, Wealth Management, Wealth Advisor, Senior Portfolio Management Director
Phone:
(925) 253-5322(925) 253-5322
Industry Award WinnerOur Mission Statement
The Bach Group helps families create personalized financial plans and customized investment portfolios to achieve their unique goals and dreams.
ABOUT THE BACH GROUP AT MORGAN STANLEY
HELPING YOU ACHIEVE YOUR FINANCIAL GOALS
The Bach Group can help you create a personal financial plan and make educated decisions about your investment portfolios. Through a strong planning process and sound investment research, The Bach Group has helped many families clearly define and reach their specific goals and dreams. The Bach Group has grown to include three Investment Professionals and four Support Professionals and manages $2 billion for their clients as of May 2026.
TOP TEAM AND ADVISORS
HELPING YOU ACHIEVE YOUR FINANCIAL GOALS
The Bach Group can help you create a personal financial plan and make educated decisions about your investment portfolios. Through a strong planning process and sound investment research, The Bach Group has helped many families clearly define and reach their specific goals and dreams. The Bach Group has grown to include three Investment Professionals and four Support Professionals and manages $2 billion for their clients as of May 2026.
TOP TEAM AND ADVISORS
EMILY BACH
• Barron's Top 100 Women Advisors (2006-2022, 2025-2026)
• Barron's Top 1500 Financial Advisors (2021-2023, 2026)
• Barron's Advisor Hall of Fame (Since 2019)
• Barron's All-Star Women (2015)
• Five Star Professional Five Star Wealth Manager (2012-2026)
• Member of Morgan Stanleys prestigious Chairman's Club
Held by less than 2% of Morgan Stanley advisors
• Morgan Stanley National Financial Advisor Council (2020-2023)
Emily was one of only 18 advisors to serve on the council
SEAN PARKS
• Five Star Professional Five Star Wealth Manager (2022-2026)
• CFP® Certified Financial Planner
• ChFC® Chartered Financial Consultant
2006-2022, 2025-2026 Barron's Top 100 Women Financial Advisors Source: Barrons.com (Awarded June 2006-2022, 2025-2026). Data compiled by Barron's based on 12-month period concluding in Mar of the year the award was issued.
2021-2023, 2026 Barron's Top 1,500 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,200 and Top 1,000 Financial Advisors: State-by-State) Source: Barrons.com (Awarded 2021-2023, 2026). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
2019 Barron's Hall Of Fame List Source: The Barron's "Hall of Fame" list, published throughout 2019. Based on Barron's rankings received over the prior 10 years.
2015 Barron's All-Star Women 2015 List Source: The Barron's "All-Star Women" list, published in November 2015. Based on Barron's rankings received over the prior 10 years.
2022-2025 Five Star Wealth Manager Award (Awarded 2022-2025) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods: 2022: 1/17/22 - 7/15/22, 2023: 1/9/23 - 7/31/23, 2024: 1/9/24 - 8/9/24, 2025: 1/8/25 - 8/1/25.
Services Include
- Financial PlanningFootnote1
- Wealth ManagementFootnote2
- Retirement PlanningFootnote3
- Professional Portfolio ManagementFootnote4
- 401(k) Rollovers
- Qualified Retirement PlansFootnote5
- Asset Management
- Cash Management and Lending ProductsFootnote6
- Estate Planning StrategiesFootnote7
- Fixed IncomeFootnote8
- Stock Plan ServicesFootnote9
- Stock Option PlansFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Getting Started
PERSONAL APPOINTMENTS
We encourage you to call our office to schedule your complimentary portfolio review with one of The Bach Group’s Financial Advisors. During our initial meeting we will guide you through the process of defining your goals and objectives, review your investment history and risk tolerance to best define a course of action for you and your family. To prepare for your meeting we ask you to complete “The Bach Group – Financial Organizer” and gather the items listed on “What to Bring to Your Financial Review”.
What to bring to your Financial ReviewA WRITTEN FINANCIAL PLAN
Once we have completed your initial meeting and understand your unique needs and goals, we will create a personalized written financial plan outlining our suggested course of action. In that meeting, we will review the plan in detail and also explain any fees that are associated with your specific financial proposal. Our goal is to educate you about your financial plan so you are comfortable with the investments decisions.
ONGOING EXCELLENT SERVICE
Once we have implemented your financial plan, continued maintenance is essential in meeting your long-term investment goals. It is important to make adjustments to the plan as the investment environment and your life changes. Our goal as Financial Advisors is to guide you along the entire journey. We are dedicated to developing good long-term relationships and helping you achieve your goals every step of the way.
The Bach Group - BrochureWorking With You
RETIREMENT PLANNING AND INVESTMENT SELECTION
The Bach Group provides all aspects of financial planning with a focus on retirement planning and college funding needs. Our goal as Financial Advisors is to match the right investments with your specific needs and objectives. We help you select appropriate investments from stocks, bonds, and mutual funds to annuities or cash alternatives that fit your needs. In addition, we work with you to determine advantageous retirement strategies from 401(k) to IRA Rollovers as well as Traditional and Roth IRAs. We want to establish a long-term relationship with you. This is the kind of rapport that can only come from providing sound financial advice and excellent ongoing service.
OUR TEAM APPROACH TO MANAGING YOUR MONEY
We believe that a team approach will provide you with a warm atmosphere and the attention you desire as a valued client. You deserve quick responses to your questions and problems, and through a dedicated team approach we feel the appropriate recommendations be made with prompt and efficient service.
HOLDING YOUR HAND IN GOOD TIMES AND BAD
The Bach Group is here to “hold your hand” every step of the way. Below are some timely educational slides. Should you have specific questions regarding your unique financial situation we are only phone call away.
Emily Bach Featured in Barron's
Awards & Recognition
Barron’s Top 100 Women Financial Advisors
Listed 19 times since 2006
2006-2022, 2025-2026 - Emily Bach
2006-2022, 2025-2026 - Emily Bach
Barron’s Advisor Hall of Fame
Barron’s All Star Women
Barron’s Top 1500 Financial Advisors
2021-2023, 2026 - Emily Bach
Five Star Professional - Five Star Wealth Manager
2012-2026 – Emily Bach
Five Star Professional - Five Star Wealth Manager
2022-2026 - Sean Parks
ChFC® Chartered Financial Consultant
Client-centered approach to addressing complex financial goals.
Since 2009 - Sean Parks
Since 2009 - Sean Parks
CFP® Certified Financial Planner
Since 2008 - Sean Parks
Morgan Stanley's Prestigious Chairman’s Club
Held by less than 2% of Morgan Stanley advisors
Emily Bach
Emily Bach
Morgan Stanley National Financial Advisor Council
Emily was one of 18 advisors to serve on the Council
2020-2023 – Emily Bach
2020-2023 – Emily Bach
Location
2 Theatre Square
Suite 322
Orinda, CA 94563
US
Direct:
(925) 253-5322(925) 253-5322
Meet The Bach Group
Sean Parks, CFP®, ChFC®
Senior Vice President, Financial Advisor, Senior Portfolio Management Director
Phone:
(925) 253-5353(925) 253-5353
Caroline Langner
Vice President, Investment Consultant, Financial Planning Specialist
Phone:
(925) 253-5386(925) 253-5386
Shelby Buccellato
Assistant Vice President, Group Director
Phone:
(925) 253-5308(925) 253-5308
Mary Alice Dinerman
Assistant Vice President, Wealth Management Associate
Phone:
(925) 253-5373(925) 253-5373
Mackenzie Sitzwohl
Registered Client Service Associate
Phone:
(925) 253-5310(925) 253-5310
Anna Miller
Portfolio Management Associate
Phone:
(925) 253-5371(925) 253-5371
Ashleigh Davila
Client Service Associate
Phone:
(925) 253-5385(925) 253-5385
About Emily Bach
Emily Bach has been dedicated to providing exceptional service and financial planning advice to her clientele since 1993. Emily has been recognized on several notable lists over her career. She has been named one of Barron’s Magazine’s “Top 100 Women Financial Advisors” nineteen times since 2006. She also has been featured on the Barron's Hall Of Fame List since 2019.
2019-2025 Barron's Hall Of Fame List Source: The Barron's "Hall of Fame" list, published throughout 2019-2025. Based on Barron's rankings received over the prior 10 years.
2006-2022, 2025-2026 Barron's Top 100 Women Financial Advisors Source: Barrons.com (Awarded June 2006-2022, 2025-2026). Data compiled by Barron's based on 12-month period concluding in Mar of the year the award was issued.
2019-2025 Barron's Hall Of Fame List Source: The Barron's "Hall of Fame" list, published throughout 2019-2025. Based on Barron's rankings received over the prior 10 years.
2006-2022, 2025-2026 Barron's Top 100 Women Financial Advisors Source: Barrons.com (Awarded June 2006-2022, 2025-2026). Data compiled by Barron's based on 12-month period concluding in Mar of the year the award was issued.
Securities Agent: CO, CT, SC, NY, VA, UT, MT, GA, CA, AZ, MI, KS, ID, AL, IN, IL, WA, RI, NJ, MD, MA, HI, FL, PA, OH, NV, NM, DC, WY, OR, WI, TX, TN, NC, MO, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 1261989
CA Insurance License #: 0B42753
NMLS#: 1261989
CA Insurance License #: 0B42753
About Sean Parks
Sean Parks works with The Bach Group at Morgan Stanley to address specific needs and goals of high net worth clients. Since entering the financial industry in 2004, Sean has collected a breadth of knowledge that helps clients develop and implement their own custom financial plan and investment strategies.
Securities Agent: OH, FL, UT, IN, TN, NC, NY, ID, GA, AL, TX, WA, PA, OR, NV, MT, CO, CA, AZ, NM, MN, MI, IL, HI, NJ, NH, MO, MD, MA, WY, WI, IA, DC, CT, SC, VA, RI, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 1460456
CA Insurance License #: 0K59322
NMLS#: 1460456
CA Insurance License #: 0K59322
About Caroline Langner
Caroline Langner meets with clients to define and address their needs and goals and create individualized financial planning strategies for them. Since joining The Bach Group at Morgan Stanley in 2018, Caroline has proactively helped develop and implement portfolio enhancements and investment strategies. She enjoys building relationships with multiple generations of clients while delivering stellar client service.
NMLS #2550794
NMLS #2550794
CA Insurance License #: 4352463
About Shelby Buccellato
Shelby Buccellato started in the financial industry in 1995. Shelby processes client trades, daily operational and administrative requests and upholds the excellent customer service for which The Bach Group at Morgan Stanley is renowned. In 2013, Shelby became a Notary Public which allows her to notarize Morgan Stanley documents for our clients.
About Mary Alice Dinerman
Mary Alice Dinerman began her investment career in 1977 and has held an array of impressive roles in various capacities. As a member of The Bach Group at Morgan Stanley, Mary Alice’s role includes the coordination of administrative aspects of client accounts and portfolio management. She is committed to providing first class customer service.
CA Insurance License #: 0D14561
About Mackenzie Sitzwohl
Mackenzie Sitzwohl joined The Bach Group at Morgan Stanley in 2021. Mackenzie’s role includes providing day-to-day operational and administrative coverage for clients and their accounts. In addition, Mackenzie is devoted to maintaining the outstanding customer service for which The Bach Group is recognized.
About Anna Miller
Anna Miller began her career in the financial services industry in 2021 and joined The Bach Group at Morgan Stanley in 2024. She assists with operational and administrative aspects of client accounts, portfolio management and investment research and due diligence. Anna prides herself on providing the outstanding client service for which The Bach Group is known.
About Ashleigh Davila
Ashleigh Davila joined The Bach Group at Morgan Stanley in 2024 as an intern while attending the University of California, Berkeley. In her role, Ashleigh supports the team with day-to-day client service operations and helps maintain the high standard of service for which The Bach Group is known.
Contact Emily Bach
Contact Sean Parks
Awards and Recognition
Barron's Top 1,500 Financial Advisors: State-by-State
2021-2023, 2026 Barron's Top 1,500 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,200 Financial Advisors: State-by-State, Barron's Top 1,000 Financial Advisors: State-by-State)Source: Barrons.com (Awarded 2021-2023, 2026). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Barron's Top 100 Women Financial Advisors
2006-2022, 2025-2026 Barron's Top 100 Women Financial Advisors Source: Barrons.com (Awarded June 2006-2022, 2025-2026). Data compiled by Barron's based on 12-month period concluding in Mar of the year the award was issued.
2
Wealth Management
From Our Team
About The Bach Group at Morgan Stanley
This is a video content
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
Iran Conflict: Seven Takeaways for Investors
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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
Article Image
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 Bach 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5When 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.
6Morgan 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
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 and other legal matters.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5When 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.
6Morgan 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
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 and other legal matters.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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
CRC 4665150 (8/2025)
