Rick Grimshaw, CPM®, CIMA®
Executive Director, Financial Advisor
Phone:
(503) 221-7616(503) 221-7616
The Columbia Shores Group at Morgan Stanley
Direct:
(503) 221-7616(503) 221-7616
Toll-Free:
(800) 547-1526(800) 547-1526
Our Mission Statement
We strive to serve as your family's lifelong wealth management advisory team.
Our Story
We are a multi-generational team at Morgan Stanley where our main focus is
the needs and goals of our individual clients. It is essential to build a strong
relationship, based on trust and transparency…continually striving for an
open and collaborative experience. We work alongside you, your CPA and
Attorney to formulate an individualized plan; and desire to serve as your
family’s lifelong wealth management advisory team.
the needs and goals of our individual clients. It is essential to build a strong
relationship, based on trust and transparency…continually striving for an
open and collaborative experience. We work alongside you, your CPA and
Attorney to formulate an individualized plan; and desire to serve as your
family’s lifelong wealth management advisory team.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working with You
Step 1: Discovery Process
Investing the time to learn about you and your family, your assets and liabilities, as well as the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Step 2: Analyze
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Step 3: Planning & Strategy
Your customized asset allocation reflects risk, opportunities, and taxation across multiple entities, while integrating your investing and estate plans.
Step 4: Implementation
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Step 5: Ongoing Monitoring
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to help ensure that your strategy adapts to changing financial and family needs.
Disclosures:
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. 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.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
COMPREHENSIVE FINANCIAL PLANNING
Regardless of what stage your life is in—moving ahead in your career, enjoying retirement, or somewhere in between—as your Financial Advisory Team, we can help you achieve your financial goals.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve your goals—a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
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.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve your goals—a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
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.
2025 Tax Tables
This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Access the 2025 Federal Tax Tables
Financing Capabilities
We thoroughly review your mortgage, car loans, credit cards, and any other debts that you may have in order to help determine where you can save on interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.
Build the Best Budget for You
Insurance
We take an extremely close look at your financial profile to decipher what type(s) of insurance most fit your needs, and determine if your current insurance policies are best suited for you and your goals.
Insured Solutions: Protection for the Unexpected
Comprehensive Planning
Leading up to and through retirement, we help you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve your financial goals.
Plan Your Goals
Estate & Trust Services
Regardless of your current financial circumstances, it is crucial to have a backup plan for your money. We regularly review your finances with you and coordinate with your estate attorney to help ensure that your wishes are met in the most efficient and cost-effective way possible.
Estate Planning Checklist
Account Management
We take care of your retirement accounts and other investments based on your comfort level with risk and your current tax circumstances, tailoring your financial strategy to your unique situation, needs, and goals.
The Tax-Smart PortfolioSee the tools that Morgan Stanley has to offer
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
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eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
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Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
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Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential, manage unrealized gains and help keep more of what you earn.
Learn MoreWe are proud to have been recognized by Forbes on their Best-in-State Wealth Management Team for four consecutive years.
2026 Forbes Best-in-State Wealth Management Teams
Source: Forbes.com (Awarded January 2026). This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) for the period 3/31/24–3/31/25. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC, for placement on its rankings. This ranking is based on in-person, virtual and telephone due diligence meetings and a ranking algorithm that includes: a measure of each team’s best practices, client retention, industry experience, review of compliance records, firm nominations; and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and may not be representative of any one client’s experience; investors must carefully choose the right Financial Advisor or team for their own situation and perform their own due diligence. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
2025 Forbes Best-in-State Wealth Management Teams
Source: Forbes.com (2025) Forbes Best-In-State Wealth Management Teams ranking awarded in 2025. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher).
2024 Forbes Best-in-State Wealth Management Teams
Source: Forbes.com (2024) Forbes Best-In-State Wealth Management Teams ranking awarded in 2024. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher).
2023 Forbes Best-in-State Wealth Management Teams
Source: Forbes.com (2023) Forbes Best-In-State Wealth Management Teams ranking awarded in 2023. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher)
Location
760 SW 9th Ave
Ste 2100
Portland, OR 97205
US
Direct:
(503) 221-7616(503) 221-7616
Toll-Free:
(800) 547-1526(800) 547-1526
1701 SE Columbia River Dr
Ste 120
Vancouver, WA 98661
US
Direct:
(360) 992-7986(360) 992-7986
Meet The Columbia Shores Group
Jack Jagla, CFP®
First Vice President, Financial Advisor, CERTIFIED FINANCIAL PLANNER®
Phone:
(503) 221-7693(503) 221-7693
Will Williams
Portfolio Associate
Phone:
(503) 221-8678(503) 221-8678
Sam Watry, CFA
Assistant Vice President, Investment Consultant
Phone:
(503) 534-3414(503) 534-3414
About Rick Grimshaw
Rick has been with Morgan Stanley and its predecessor firms since 2004, and in the investment profession since 1983. He is an Executive Director, Senior Portfolio Management Director, and served as Branch Manager of two Portland-area Morgan Stanley branch offices from 2011-2014. He holds the Certified Portfolio Manager® and Certified Investment Management AnalystSM professional designations. Rick is a native of Portland, Oregon and received B.A. degrees from the University of Oregon in Communications and Management. He is active in the Oregon Executives Association and served as Treasurer for the Episcopal Diocese of Western Oregon, 2019-2022. He was the Portfolio Management Institute® President in 2010-11. Rick is also a proud Eagle Scout.
Rick lives in West Linn, Oregon with his wife Vickie, a self-employed jewelry designer. They have two children, Bryan and Katie. Bryan graduated from Eastern Oregon University in 2009 and is a self-employed contractor in La Grande, Oregon. Katie graduated from Portland State University in 2013 and works in global brand marketing. They have been blessed with five grandchildren! Rick and Vickie enjoy time away on the Oregon Coast, where he keeps his fully restored, 1943 Willys MB Military Jeep, inherited from his grandfather. As part of the Morgan Stanley Core Value of “Giving Back”, Rick and Vickie actively support the Oregon Historical Society, Lakewood Center for the Arts, the University of Oregon Foundation, Oregon Public Broadcasting, the Episcopal Church Foundation and the Morgan Stanley Foundation; all via annual giving.
Rick lives in West Linn, Oregon with his wife Vickie, a self-employed jewelry designer. They have two children, Bryan and Katie. Bryan graduated from Eastern Oregon University in 2009 and is a self-employed contractor in La Grande, Oregon. Katie graduated from Portland State University in 2013 and works in global brand marketing. They have been blessed with five grandchildren! Rick and Vickie enjoy time away on the Oregon Coast, where he keeps his fully restored, 1943 Willys MB Military Jeep, inherited from his grandfather. As part of the Morgan Stanley Core Value of “Giving Back”, Rick and Vickie actively support the Oregon Historical Society, Lakewood Center for the Arts, the University of Oregon Foundation, Oregon Public Broadcasting, the Episcopal Church Foundation and the Morgan Stanley Foundation; all via annual giving.
Securities Agent: PA, AL, WY, WI, TX, WA, CO, AZ, NV, MO, DC, UT, IN, FL, NJ, IA, AR, IL, CA, OR, NY, MA, ID, GA, NC; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282906
NMLS#: 1282906
About Jack Jagla
Jack Jagla is a Portland, Oregon-based financial advisor and founding member of The Columbia Shores Group at Morgan Stanley Wealth Management. With over a decade of experience, Jack has dedicated his career to helping families, individuals, and business owners build, grow, and preserve their wealth across generations.
Jack began his career at Morgan Stanley in 2013 as a Wealth Advisory Associate, where he developed a strong foundation in comprehensive financial planning. After a year and a half, he transitioned to working directly with clients — a commitment that remains at the heart of everything he does today.
The Columbia Shores Group focuses on customized investment solutions tailored to each client’s unique long-term goals. Their comprehensive wealth management process encompasses financial planning, tax-efficient investment strategies, custom investment solutions and a disciplined, long-term approach to saving and investing. The team is knowledgeable in executive and stock compensation, offering detailed stock option analysis fully integrated into their financial planning process.
At The Columbia Shores Group, we believe money is more than a number on a statement — it is a tool to build, grow, and create lasting legacies that span multiple generations. That philosophy is reflected in the deep, enduring relationships the team has built with clients, some of whom they are now proudly serving into their third and fourth generations. The Columbia Shores Group strives to be your lifelong wealth management advisory team.
Outside of the office, Jack lives in South Portland with his wife Katie and their three sons — James and twins Caleb and Henry. An avid outdoorsman and hobbyist, Jack enjoys cycling, skiing, gardening, and competing weekly in a bowling league. He also has a passion for cooking and baking, bringing the same care and attention to detail in the kitchen that he brings to his clients’ financial lives.
Jack began his career at Morgan Stanley in 2013 as a Wealth Advisory Associate, where he developed a strong foundation in comprehensive financial planning. After a year and a half, he transitioned to working directly with clients — a commitment that remains at the heart of everything he does today.
The Columbia Shores Group focuses on customized investment solutions tailored to each client’s unique long-term goals. Their comprehensive wealth management process encompasses financial planning, tax-efficient investment strategies, custom investment solutions and a disciplined, long-term approach to saving and investing. The team is knowledgeable in executive and stock compensation, offering detailed stock option analysis fully integrated into their financial planning process.
At The Columbia Shores Group, we believe money is more than a number on a statement — it is a tool to build, grow, and create lasting legacies that span multiple generations. That philosophy is reflected in the deep, enduring relationships the team has built with clients, some of whom they are now proudly serving into their third and fourth generations. The Columbia Shores Group strives to be your lifelong wealth management advisory team.
Outside of the office, Jack lives in South Portland with his wife Katie and their three sons — James and twins Caleb and Henry. An avid outdoorsman and hobbyist, Jack enjoys cycling, skiing, gardening, and competing weekly in a bowling league. He also has a passion for cooking and baking, bringing the same care and attention to detail in the kitchen that he brings to his clients’ financial lives.
Securities Agent: AR, CA, NY, WY, AZ, AK, WA, NC, FL, VA, PA, MI, TX, OR, MO, MA, ID, IA, IL, WI, GA, NJ, IN, DC, CO, AL, UT, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1492055
NMLS#: 1492055
About Will Williams
Will joined Morgan Stanley in February 2020 with over 10 years of experience in the financial services field. He has always had a passion for working in finance. Will graduated from the California State University in San Marcos with a degree in Business Administration, with an emphasis in Finance. In 2010, while still in college, he started in the financial services industry by working part-time at Moffat Financial Group, a small, family-run financial planning firm in Bonsall, California. Once he completed his degree in 2011, Will was brought on full-time and became the firm’s Operations/Client Service Administrator.
Will relocated to the Portland area in 2014 and worked as an Operations Associate for a small broker dealer. In late 2015, he joined Umpqua Investments as an Operations Associate, then was promoted to a Registered Client Associate in 2017 and completed his FINRA Series 7 and Series 66 licenses. Will prides himself on providing an outstanding customer service experience for each and every client and is a very important resource for the Columbia Shores Group. He is the first point of contact for service, operations and Morgan Stanley online for our clients.
Will and his wife, Taylor, live in the Camas, Washington area with their Labrador Retriever. In their free time, they enjoy visiting Oregon wine country and hiking with their dog.
Will relocated to the Portland area in 2014 and worked as an Operations Associate for a small broker dealer. In late 2015, he joined Umpqua Investments as an Operations Associate, then was promoted to a Registered Client Associate in 2017 and completed his FINRA Series 7 and Series 66 licenses. Will prides himself on providing an outstanding customer service experience for each and every client and is a very important resource for the Columbia Shores Group. He is the first point of contact for service, operations and Morgan Stanley online for our clients.
Will and his wife, Taylor, live in the Camas, Washington area with their Labrador Retriever. In their free time, they enjoy visiting Oregon wine country and hiking with their dog.
About Sam Watry
Sam has been with the Firm since 2011 and in the Financial Industry since 2007. He earned the right to use the CFA Charter in 2013 and continues to be an active member in the local society. Growing up in Southeastern Wisconsin, he is a shareholder and fan of the Green Bay Packers. Having lived in the Portland area for over a decade, he can often be found at Providence Park rooting on the Timbers. Sam and his wife Katie have two young children which keep them very active. He is an avid rafter, a member of the Oregon Whitewater Association, and enjoys spending his free time rafting, camping, hiking and all things outdoors. Sam is an AFS Alumnus, after spending a year in Zurich, Switzerland, plus spent a year living in Saint Petersburg, Russia while his parents taught English.
Contact Rick Grimshaw
Contact Jack Jagla
Wealth Management
From Our Team
'Perspective from All of Our Team as We Begin 2026' - January, 2026
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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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
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- 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 Columbia Shores 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 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.
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.
4Morgan 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When 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.
7Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
8Morgan 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.
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 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.
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.
4Morgan 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When 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.
7Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
8Morgan 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.
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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
