Josh I. Schneider
The Bethesda Wealth Management Group at Morgan Stanley
Josh Schneider, CFP®Jason Martin, CFA, CFP®Stephen Lowman, CFP®Anish Gupta, CFP®Olivia BaldwinBrandon Bowen
Direct:
(301) 961-2095(301) 961-2095
Toll-Free:
(800) 745-4503(800) 745-4503
Industry Award WinnerOur Mission Statement
Our team is honored to provide executive financial planning and comprehensive wealth management to benefit employees of America’s top companies.
Our Story
The Bethesda Wealth Management Group is a dedicated team of financial professionals committed to delivering a comprehensive planning experience tailored to your family's unique needs and goals. We take pride in providing first-class service to corporate executives across the country through Morgan Stanley's Executive Financial Planning Program. Our program offers customizable and holistic solutions designed to help employees better understand and maximize their company-sponsored benefits, while providing tailored advice to align with their specific financial objectives.
We specializes in navigating the complexities of executive compensation, including stock options, restricted or performance stock units, and deferred compensation. In addition, we provide specialized expertise through our Executive Services Concierge Model, a dedicated group of seasoned professionals who guide executives and key insiders through the intricate landscape of insider trading regulations and reporting requirements.
Our team has four CFP® professionals who work closely with CPAs and estate attorneys to develop personalized strategies that help you minimize taxes, live comfortably, and preserve your assets for future generations. Whether addressing your immediate needs or planning for long-term goals, we are committed to providing the guidance and expertise necessary to help you achieve financial piece of mind.
We specializes in navigating the complexities of executive compensation, including stock options, restricted or performance stock units, and deferred compensation. In addition, we provide specialized expertise through our Executive Services Concierge Model, a dedicated group of seasoned professionals who guide executives and key insiders through the intricate landscape of insider trading regulations and reporting requirements.
Our team has four CFP® professionals who work closely with CPAs and estate attorneys to develop personalized strategies that help you minimize taxes, live comfortably, and preserve your assets for future generations. Whether addressing your immediate needs or planning for long-term goals, we are committed to providing the guidance and expertise necessary to help you achieve financial piece of mind.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
In the Press
The Bethesda Wealth Management Group is proud to announce that Forbes has included Josh Schneider and Jason Martin on their list of "Next Generation-Best–In-State Wealth Advisors 2021". We at The Bethesda Wealth Management Group at Morgan Stanley are deeply honored by this recognition, as it is a reflection of the professionalism, service and dedication they bring to every client relationship.
Forbes Best-In-State Wealth Management Teams 2023 - 2025
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023 - 2025) Data compiled by SHOOK Research LLC based 12-month time period concluding in Jan of year prior to the issuance of the award.
Josh Schneider named to the Forbes Best-In-State Wealth Advisors 2021 - 2025
April 3rd, 2025 - Josh Schneider Named to the Forbes Best-In-State Wealth Advisors, Maryland Ranking #77
April 3rd, 2024 - Josh Schneider Named to the Forbes Best-In-State Wealth Advisors, Maryland Ranking #88
2021 - 2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2021 - 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Jason Martin named to the Forbes Best-In-State Wealth Advisors 2021 - 2025
April 3rd, 2025 - Jason Martin Named to the Forbes Best-In-State Wealth Advisors, Maryland Ranking #113
April 3rd, 2024 - Jason Martin Named to the Forbes Best-In-State Wealth Advisors, Maryland Ranking #114
2021 - 2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2021 - 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Next Generation Best-In-State Wealth Advisors 2017 - 2021
February 11, 2021 - Josh Schneider Named to the Forbes Next Generation Best-In-State Wealth Advisors, Maryland Ranking #113 out of 129
September 3, 2019 - Josh Schneider Named to the Forbes Next Generation Best-In-State Wealth Advisors, Maryland Ranking #10 out of 62
July 25, 2018 - Josh Schneider Named to the Forbes List of Top Next Generation Wealth Advisors, National Ranking #319 out of 1,000
July 25, 2017 - Josh Schneider Named to the Forbes List of Top Next Generation Wealth Advisors, National Ranking #277 out of 500, Maryland Ranking #16 out of 24
Source: Forbes.com (Awarded 2017 - 2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
2017 - 2021 Forbes America's Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
2025 Forbes Next Generation Best-In-State Wealth Advisor
August 6, 2025 - Anish Gupta Named to the Forbes Next Generation Best-In-State Wealth Advisors, Maryland Ranking #33 out of 47
A Structured Planning Process
At Morgan Stanley, we are committed to helping executives understand the new challenges they face and how to meet those challenges successfully.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing a suitable risk tolerance that will ultimately help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining all relevant financial information provides a holistic asset allocation analysis for all of your accounts ensuring a comprehensive financial plan.
Asset Allocation does not assure a profit or protect against loss in declining financial markets
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Asset Allocation does not assure a profit or protect against loss in declining financial markets
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Step 4: Action Items / Next Steps
After the financial plan presentation, we will follow up with you regarding our analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving and benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Your Estate Plan
Morgan Stanley Family Office Resources offers a differentiated value proposition to integrate comprehensive tax, estate, and financial planning strategies into your overall wealth plan. These educational videos discuss the basics and highlight the resources available in estate planning strategies to help you address some of life's challenges and opportunities as they arise.
The Basics of Estate Planning
Explore the basics of estate planning, outlining the set of documents suggested for your clients to make their intentions clear.
• Power of attorney
• Healthcare directive
• Last will and testament
• Revocable trusts
Click Here for More• Power of attorney
• Healthcare directive
• Last will and testament
• Revocable trusts
Grantor Retained Annuity Trust (GRAT)
Learn about the parameters around Grantor Retained Annuity Trusts and how they can be used to move appreciation in an asset to the next generation.
• Annuity payments
• IRS Section 7520 Rate
Click Here for More• Annuity payments
• IRS Section 7520 Rate
Preparing for Your Meeting with an Estate Planning Attorney
Questions/answers, definitions and ideas for structuring your personal trust can be found on the link below.
• Creating a Trust
• Estate Planning
Click Here for More• Creating a Trust
• Estate Planning
Irrevocable Life Insurance Trust (ILIT)
Discover how life insurance policy proceeds can be passed down to family members without the imposition of state tax.
• Cash gifts
• Existing life insurance policy transfers
Click Here for More• Cash gifts
• Existing life insurance policy transfers
Estate & Gift Taxes
Learn more about the parameters around estate and gift taxes with guidance on the tax-efficient ways clients can give.
• The Federal Estate and Gift Tax
• Non-taxable transfers
Click Here for More• The Federal Estate and Gift Tax
• Non-taxable transfers
Generation Skipping Transfer Tax (GST Tax)
Explore how UHNW individuals can pass assets outright or in trusts to generations below their children.
• Direct transfers
• Indirect transfers
Click Here for More• Direct transfers
• Indirect transfers
Location
7500 Old Georgetown Rd
10th Fl
Bethesda, MD 20814
US
Direct:
(301) 961-2095(301) 961-2095
Toll-Free:
(800) 745-4503(800) 745-4503
Meet The Bethesda Wealth Management Group
Jason D. Martin
Stephen J. Lowman
Anish Gupta
Olivia Baldwin
Brandon Bowen
Rachel Levin
Assistant Vice President, Group Director
Phone:
(301) 961-2095(301) 961-2095
Davis Michaud
Registed Client Service Associate
Phone:
(301) 657-6390(301) 657-6390
Tatiana Belinkie
Client Service Associate
Phone:
(301) 657-6307(301) 657-6307
Gisselle Gomez
Client Service Associate
Phone:
(301) 657-6373(301) 657-6373
About Rachel Levin
Rachel is the Group Director for The Bethesda Wealth Management Group and one of our founding members. She is responsible for all aspects of client service while serving as head of operations for team coordination and administration. She provides exceptional client support and takes pride in going above and beyond for our clients. Rachel focuses on cultivating personal relationships with clients as well as creating service plans for the team. Rachel strives to improve and streamline the service model of The Bethesda Wealth Management Group by managing our overall business practice and development. Rachel ensures a seamless client experience by facilitating a smooth account opening and transfer process and partnering with members of the team to address more complex client issues and planning. With her Series 7 (General Securities Representative) and Series 66 (Uniform Combined State Law) licenses, Rachel also helps in the executions of client trade requests.
Rachel started her career with the team as an intern during the summers of 2012 and 2013. She joined the team full time as a Client Service Associate in 2014 after graduating from University of Pittsburgh’s College of Business Administration with a B.S. in Finance and Economics. She currently resides in Bethesda with her husband, daughter and Cavapoo.
Rachel started her career with the team as an intern during the summers of 2012 and 2013. She joined the team full time as a Client Service Associate in 2014 after graduating from University of Pittsburgh’s College of Business Administration with a B.S. in Finance and Economics. She currently resides in Bethesda with her husband, daughter and Cavapoo.
About Davis Michaud
Davis’ primary goal is to serve as a trustworthy source of information and support for clients. He strives to deliver prompt and precise responses to requests and questions while prioritizing attention to detail. He aims to always be a problem solver and critical thinker while leaning into his collaborative skills. Above all, Davis enjoys fostering long-term connections with clients and learning about their goals.
Davis has been in the financial services industry since 2021 and joined Morgan Stanley in June of 2023. He was formerly a Registered Client Associate with RBC Wealth Management in Tysons, VA, where he discovered his passion for building and maintaining lasting client relationships. He currently holds his Series 7 and Series 66 licenses, as well as his Virginia Life, Health, and Annuities license.
Davis graduated from The Catholic University in Washington, DC, with his Bachelor of Science in Mathematics and Master of Science in Mathematics. He resides in Aldie, VA, with his wife Siena and their two children, PJ and Grace. When not in the office, you can find Davis exploring local parks, and frequenting the Udvar-Hazy Air & Space Center in Virginia alongside his little plane enthusiasts.
Davis has been in the financial services industry since 2021 and joined Morgan Stanley in June of 2023. He was formerly a Registered Client Associate with RBC Wealth Management in Tysons, VA, where he discovered his passion for building and maintaining lasting client relationships. He currently holds his Series 7 and Series 66 licenses, as well as his Virginia Life, Health, and Annuities license.
Davis graduated from The Catholic University in Washington, DC, with his Bachelor of Science in Mathematics and Master of Science in Mathematics. He resides in Aldie, VA, with his wife Siena and their two children, PJ and Grace. When not in the office, you can find Davis exploring local parks, and frequenting the Udvar-Hazy Air & Space Center in Virginia alongside his little plane enthusiasts.
About Tatiana Belinkie
Tatiana brings a background of insurance expertise to her role as a Client Service Associate. Prior to joining Morgan Stanley in the summer of 2020, Tatiana worked as a property & casualty insurance broker focusing on commercial insurance. She completed her Commercial Lines Coverage Specialist designation at the Hartford School of Insurance.
As a Client Service Associate, Tatiana will frequently be the friendly voice you hear the other end of the phone. She provides a first class client experience by offering streamlined processes and paying close attention to detail. Tatiana also provides an instrumental role in assisting the team in strategy implementation and service efficiencies.
Tatiana obtained a Bachelor’s Degree in World History from McDaniel College while playing intermural field hockey. When she is not going for walks or hikes with her dog, Emma, you can find her cycling on her Peloton.
As a Client Service Associate, Tatiana will frequently be the friendly voice you hear the other end of the phone. She provides a first class client experience by offering streamlined processes and paying close attention to detail. Tatiana also provides an instrumental role in assisting the team in strategy implementation and service efficiencies.
Tatiana obtained a Bachelor’s Degree in World History from McDaniel College while playing intermural field hockey. When she is not going for walks or hikes with her dog, Emma, you can find her cycling on her Peloton.
About Gisselle Gomez
Gisselle is an experienced professional with a strong background in fostering collaboration, optimizing processes, and delivering exceptional client experiences. Joining the team as a Client Service Associate in 2025, Gisselle brings a skillset from roles in research analytics to client services at a global media measurement organization strengthening her analytical and communication muscles. She has been able to champion employee engagement, streamline communications, and deliver strategic solutions to meet diverse client needs. Gisselle plays a vital role in our day-to-day operations and looks forward to getting to know all of our clients on a personal level.
Gisselle is a certified Six Sigma Lean Yellow Belt, utilizing her process improvement skills to deliver white-glove services to clients, ensuring seamless interactions to exceed expectations. Outside of her career, Gisselle enjoys spending time with her bulldog, being a fan and attending games of the local sports teams such as the Washington Nationals and Washington Commanders, as well as exploring the city in search of captivating art exhibits and culinary experiences.
Gisselle is a certified Six Sigma Lean Yellow Belt, utilizing her process improvement skills to deliver white-glove services to clients, ensuring seamless interactions to exceed expectations. Outside of her career, Gisselle enjoys spending time with her bulldog, being a fan and attending games of the local sports teams such as the Washington Nationals and Washington Commanders, as well as exploring the city in search of captivating art exhibits and culinary experiences.
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2023-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2025). 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
2021-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2021-2025). 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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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
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 Bethesda Wealth Management Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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 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.
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.
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 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.
7Morgan 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.
8Morgan 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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
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 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.
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.
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 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.
7Morgan 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.
8Morgan 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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
