Phone:
(630) 203-6117(630) 203-6117
The KFB Bridge Group at Morgan Stanley
Direct:
(630) 203-6117(630) 203-6117
Toll-Free:
(800) 755-9755(800) 755-9755
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Welcome
Jeff, and Justin, the primary advisors on the KFB Bridge Group, each have over 30 years experience in the financial services industry and business experience. Our experience and resources are focused on one objective; to help you achieve your financial goals. We accomplish this by creating custom financial plans for retirement, education funding, income or estate planning. We believe that the most effective way to accomplish this is with a personal, confidential meeting to learn about your financial goals. Please feel free to contact us to discuss any questions that you may have.
The KFB Bridge Group at Morgan Stanley is built around the concept of exceptional customer service. This service consists of twelve monthly scheduled client contacts; four of which are quarterly reviews with two being in person. These scheduled meetings demonstrate our commitment to our clients along with our client service associate who is there to help you with any question or issue that may arise.
The KFB Bridge Group at Morgan Stanley is built around the concept of exceptional customer service. This service consists of twelve monthly scheduled client contacts; four of which are quarterly reviews with two being in person. These scheduled meetings demonstrate our commitment to our clients along with our client service associate who is there to help you with any question or issue that may arise.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Core Capabilities
As your wealth grows, so does its complexities and the resources needed to manage it effectively. We leverage our experience and relationships to deliver strategies tailored to meet all of your needs. We look forward to speaking with you to understand your challenges, so we may map out a strategy to achieve your particular priorities and goals.
Wealth Management
Wealth management brings all the aspects of your life together. We listen carefully to understand the connections across your personal life, your family, your career, and your legacy goals to develop a comprehensive strategy that is uniquely yours.
Estate & Philanthropic Planning Strategies
Delivering an estate to the next generation of wealth or favorite charity requires more attention than is often recognized. We can coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset titling and beneficiary designations.
Retirement Planning
Having enough income to comfortably cover all necessary expenses is a key to a successful retirement. Sources of retirement income will vary by client and typically include Social Security, retirement accounts, and/or pension payments, as well as other sources such as investments, rental income, or an inheritance.
Entrepreneur Financial Planning
We can help small business owners to fund their business and manage their finances appropriately. We will assist you in developing a budget, determining your ongoing cash flow needs, and raising capital.
High Net Worth Investing
We can assist with millionaire estate planning and investing strategies, private aviation lending and purchase, and other needs that high net worth investors may have.
Retirement Resources
Our team will work with you to understand what your priorities are and implement a customized strategy for you. Whether it is planning for retirement, saving for retirement, transitioning into retirement, or managing your assets when already in retirement, our team is equipped with the knowledge and tools to help you accomplish your personal and financial goal.
Understanding Your Savings Vehicles
When it comes to retirement savings, the most important thing is to get started—after all, time is one of your greatest assets. Although retirement may seem far for some, it is essential to get started on planning for future living expenses, potential education funds, or travel costs. Let us help you educate on ways to grow and preserve your wealth.
Transitioning Into a Retirement Mindset
Most retirement preparations focus on financial planning, but it is equally crucial to look at personal considerations that will help you with easing the fear of the unknown. Given that many people overlook the psychological adjustments of retirement, we can help you understand why it’s important to be emotionally (not just financially) ready for retirement.
Risks to Your Retirement
Once you determine what kind of retiree you want to be, we will work together to take a closer look at the risks that might be standing between you and your retirement goals. No matter how well you save during the accumulation phase, it’s critical to plan how you convert those assets to income. We can help you navigate the challenges that may arise.
Learn More About Planning
Impact of Taxes
The strategies you use when taking out your retirement savings can have a significant impact on how much you’ll pay in taxes and may help you keep more of the returns. Each retiree’s situation is different but establishing a tax management strategy for your investments can help you retain more of your investment returns.
Tax-Efficient StrategiesLegacy & Estate Planning
We believe in educating the next generation of investors. We work with you and your family to provide insight, advice, and educational resources in order to do so. Our team is equipped to handle multigenerational wealth and family finance planning, estate planning, and trust funds.
Legacies that Last
Learn how to start thinking about legacy planning and how we are here to help guide you.
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Teaching Children About Finances
Explore and understand the importance of teaching your kids about money.
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The Magic of Compound Interest
With compound interest, it's never too early to start savings-even small amounts can add up quickly.
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The Budget Breakdown
To help avoid money stress and empower you to make smarter financial decisions, this video breaks down how to create a monthly budget.
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How to Pay Off Debt
Learn about the different types of debt and how you can pay it off in three steps.
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Introduction to Investing
Understand the basics of investing and find out that getting started is easier than you think.
Watch VideoDigital Tools
Morgan Stanley is at the forefront of technology in the financial services industry. As a part of our services, these resources are readily available for our clients to utilize.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Goals Based Planning
Working with us, paired with our technology, you'll be able to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn More About GPS
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is amongst our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security Center
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored using encryption.
Learn More About Digital Vault
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically. Clients who are registered on Morgan Stanley Online may enroll in eDelivery.
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn More About Reserved
Total Wealth View
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Learn More About Total Wealth ViewLocation
2211 York Rd
Ste 100
Oak Brook, IL 60523
US
Direct:
(630) 203-6117(630) 203-6117
Toll-Free:
(800) 755-9755(800) 755-9755
Meet The KFB Bridge Group
Justin Fredian, CFP®
Financial Advisor, Senior Portfolio Manager
Phone:
(630) 573-9698(630) 573-9698
Zachary Berg
Financial Advisor, Financial Planning Specialist
Phone:
(630) 203-6135(630) 203-6135
Jennifer Klonowski
Registered Client Services Associate
About Jeff Kramer
Jeff is a Vice President and Financial Advisor on the BKF Bridge Group at Morgan Stanley. Jeff has achieved a successful career in financial services and business by building strong customer relationships and providing exceptional customer service. His clients include individuals, families, pro athletes, and private businesses. Jeff's years of experience in the industry has taught him how to help clients navigate the various cycles that markets go through and help them understand the risks and rewards of investing. Jeff takes each client and gets an understanding of their needs and makes sure that the client has a strategy and plan for them to achieve their financial goals.
Prior to joining Morgan Stanley, he held several positions in the financial services industry at Allstate, UBS O’Connor, where he managed institutional money for each firm. Jeff also founded and helps manage a sports training facility for high level baseball players in the west suburbs of Chicago.
Jeff is a CFA charter holder, which he earned in 1999. The CFA designation is a distinguished credential awarded to professionals who meet rigorous standards and agree to adhere to ethical standards set by the CFA Institute. He has a Masters of Finance degree from Northern Illinois University and a BBA in Finance from the University of Iowa.
Jeff lives in the Western Suburbs of Chicago with his wife Kristin. He enjoys coaching baseball and playing golf.
Prior to joining Morgan Stanley, he held several positions in the financial services industry at Allstate, UBS O’Connor, where he managed institutional money for each firm. Jeff also founded and helps manage a sports training facility for high level baseball players in the west suburbs of Chicago.
Jeff is a CFA charter holder, which he earned in 1999. The CFA designation is a distinguished credential awarded to professionals who meet rigorous standards and agree to adhere to ethical standards set by the CFA Institute. He has a Masters of Finance degree from Northern Illinois University and a BBA in Finance from the University of Iowa.
Jeff lives in the Western Suburbs of Chicago with his wife Kristin. He enjoys coaching baseball and playing golf.
Securities Agent: AR, NJ, CT, PA, TN, OK, NY, CA, MO, CO, ME, WI, NH, FL, AZ, VA, OH, NE, MN, MD, KY, KS, IN, IL, DC, TX, NM, DE, AK, WA, SC, NV, MI, NC, MA, IA, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1566224
NMLS#: 1566224
About Justin Fredian
Justin is a Senior Portfolio Manager who is a recent addition to the BKF group of Morgan Stanley. Justin has been managing client goals, objectives and dreams for over 3 decades. His favorite workplace happening is when a client is so pleased with his work that they refer family and friends. Nothing is better to the BKF group and Justin than helping our clients successfully navigate the changing economy and markets that continue to challenge us. He prides himself on working together with his team and clients to enjoy mutual prosperity.
Prior to joining Morgan Stanley, Justin was a Senior Vice President with Smith Barney and the same with JP Morgan Private Bank.
He graduated from Loyola University with a degree in accounting and finance. He is also, a Certified Financial Planner, CFP, and started his career doing financial plans for the owners of closely held businesses. Because he holds the CFP license, he is held to a fiduciary standard by the industry which mandates you must act in the best interests of your client.
Justin lives in the Western suburbs with his wife, Meg. He enjoys playing pickleball/tennis and golf.
Prior to joining Morgan Stanley, Justin was a Senior Vice President with Smith Barney and the same with JP Morgan Private Bank.
He graduated from Loyola University with a degree in accounting and finance. He is also, a Certified Financial Planner, CFP, and started his career doing financial plans for the owners of closely held businesses. Because he holds the CFP license, he is held to a fiduciary standard by the industry which mandates you must act in the best interests of your client.
Justin lives in the Western suburbs with his wife, Meg. He enjoys playing pickleball/tennis and golf.
Securities Agent: OK, SC, NJ, MI, MD, GA, FL, AK, TX, NH, NC, KS, DC, VA, OH, MN, DE, AR, NM, MA, IA, CA, WA, NY, MO, KY, CO, ME, TN, IN, WI, AZ, NV, PA, NE, IL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1297685
NMLS#: 1297685
About Zachary Berg
Zach is a Financial Advisor with the BKF Bridge Group at Morgan Stanley. Using Morgan Stanley’s many world-class tools and services, he builds, maintains, and develops financial plans and investment strategies that suit each of his client’s needs and goals. Zach believes that every client is unique and thus deserves an experience tailored for them.
Prior to joining Morgan Stanley, Zach was a consultant analyst for businesses with $3-50 million in annual revenue. In this previous role, he learned the intricacies and challenges that many small businesses and their owners face. He uses his experience in the development of roadmaps for his clients to help them understand the risks and rewards of investing and the potential obstacles that business owners may face.
Zach holds the Financial Planning Specialist designation which has enhanced his ability to plan for his clients’ future. He graduated from Tulane University where he majored in both Finance and Management with a specialization in consulting.
Zach lives in Glen Ellyn and enjoys traveling, shooting skeet, and watching his Chicago Bears occasionally beat the Green Bay Packers.
Prior to joining Morgan Stanley, Zach was a consultant analyst for businesses with $3-50 million in annual revenue. In this previous role, he learned the intricacies and challenges that many small businesses and their owners face. He uses his experience in the development of roadmaps for his clients to help them understand the risks and rewards of investing and the potential obstacles that business owners may face.
Zach holds the Financial Planning Specialist designation which has enhanced his ability to plan for his clients’ future. He graduated from Tulane University where he majored in both Finance and Management with a specialization in consulting.
Zach lives in Glen Ellyn and enjoys traveling, shooting skeet, and watching his Chicago Bears occasionally beat the Green Bay Packers.
Securities Agent: IL, NY, FL, TX, NH, ME, MD, KS, WA, TN, NJ, NE, MI, MA, IA, PA, NV, MO, DC, AK, GA, CO, CA, OK, VA, NM, WI, SC, OH, NC, MN, KY, DE, AZ, IN, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 2667077
NMLS#: 2667077
About Jennifer Klonowski
As a Registered CSA, Jennifer will be assisting clients with all Operational and Administrative needs. Prior to her new Morgan Stanley position, she spent 14 years managing customer service and trading at EMC Capital Management, a Commodity Trading Advisor. Most recently she was a Registered Branch Associate at Edward Jones for the past 7 years.
Jennifer lives in Westmont with her son Alex and their Golden Retriever Lily. She enjoys spending time with her son, playing golf and watching college football.
Jennifer lives in Westmont with her son Alex and their Golden Retriever Lily. She enjoys spending time with her son, playing golf and watching college football.
Contact Jeff Kramer
Contact Justin Fredian
Contact Zachary Berg
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Jordan Hoerter
Private Banker
Jessica Jendryk
Associate Private Banker
Amy Gross, CFP®
Financial Planning Director, First Vice President
About Jordan Hoerter
Jordan Hoerter is a Private Banker serving Morgan Stanley Wealth Management offices in Illinois.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jordan began his career in financial services in 2010 and joined Morgan Stanley in 2019. Prior to joining the firm, he was Vice President, Private Banker at Associated Bank.
Jordan is a graduate of the University of Wisconsin Stevens Point where he received a Bachelor of Science in Business Administration and Marketing. He lives in Chicago, Illinois. Jordan donates his time with United Way, Emerging Leaders, Blessings in a Backpack and Junior Achievement. When not in the office, Jordan enjoys running, snowboarding, traveling, and spending time with his family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jordan began his career in financial services in 2010 and joined Morgan Stanley in 2019. Prior to joining the firm, he was Vice President, Private Banker at Associated Bank.
Jordan is a graduate of the University of Wisconsin Stevens Point where he received a Bachelor of Science in Business Administration and Marketing. He lives in Chicago, Illinois. Jordan donates his time with United Way, Emerging Leaders, Blessings in a Backpack and Junior Achievement. When not in the office, Jordan enjoys running, snowboarding, traveling, and spending time with his family.
NMLS#: 1445073
About Jessica Jendryk
Jessica Jendryk is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Illinois.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jessica began her career in financial services in 2015, when she joined Morgan Stanley as a Client Service Associate. She also served as a Training Specialist at Morgan Stanley.
Jessica is a graduate of the University of Illinois Urbana-Champaign, where she received a Bachelor in Applied Science, and Saint Louis University, where she received her Master of Business Administration. Outside of the office, Jessica enjoys playing and coaching volleyball and volunteering with her fellow Diversity and Inclusion council members.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jessica began her career in financial services in 2015, when she joined Morgan Stanley as a Client Service Associate. She also served as a Training Specialist at Morgan Stanley.
Jessica is a graduate of the University of Illinois Urbana-Champaign, where she received a Bachelor in Applied Science, and Saint Louis University, where she received her Master of Business Administration. Outside of the office, Jessica enjoys playing and coaching volleyball and volunteering with her fellow Diversity and Inclusion council members.
NMLS#: 2665636
About Amy Gross
Amy Gross is a first vice president and financial planning director serving Morgan Stanley Wealth Management offices in the Chicago suburbs. She is responsible for helping financial advisors with their clients' and prospects' financial planning needs.
Amy began her career in financial services in 2009 and joined Morgan Stanley in 2021. Prior to her current position, she worked at Merrill Lynch and Credit Suisse as a senior registered associate working with high-net-worth clients on an individual basis and making sure all of their financial and operational needs were met.
Amy graduated from Illinois State University and holds her CERTIFIED FINANCIAL PLANNER™ designation. Amy lives in Brookfield, IL with her husband Garrett, daughter Felicity, and son Emmett. Outside of work, Amy enjoys both going to and volunteering at Brookfield Zoo and is a Chicago Zoological Association Associate Board Member. She also enjoys reading, traveling and exploring new places whenever she can.
Amy began her career in financial services in 2009 and joined Morgan Stanley in 2021. Prior to her current position, she worked at Merrill Lynch and Credit Suisse as a senior registered associate working with high-net-worth clients on an individual basis and making sure all of their financial and operational needs were met.
Amy graduated from Illinois State University and holds her CERTIFIED FINANCIAL PLANNER™ designation. Amy lives in Brookfield, IL with her husband Garrett, daughter Felicity, and son Emmett. Outside of work, Amy enjoys both going to and volunteering at Brookfield Zoo and is a Chicago Zoological Association Associate Board Member. She also enjoys reading, traveling and exploring new places whenever she can.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
Wealth Management
From Our Team
Estate Planning Essentials: 7 Key Steps
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
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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 KFB Bridge 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.
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
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), 4763067 (9/2025)
