Phone:
(215) 572-4513(215) 572-4513
The Blue Bell Sentry Group at Morgan Stanley
Industry Award WinnerOur Mission Statement
One Plan
One Strategy
One Team
One Strategy
One Team
One Team
The Blue Bell Sentry Group is a practice focused on working with affluent families and young professionals who are seeking to achieve their financial goals and maximize their wealth. Our core competencies are developing financial plans and diversifying our clients’ assets.
If you ask our clients why they work with us, they will tell you it’s because we look after their money like it’s our own. We are willing to invest the time to really get to know our clients. Then and only then, we can craft a complete financial plan. The planning enables us to construct the ideal investment portfolio to help our clients navigate the ups and downs of life and the markets.
Our team is comprised of dedicated advisors who have a deep understanding of the complexities of today's investment world and building financial success. We construct easy to understand portfolios that are both cost conscious and tax efficient, and strive to simplify our clients' financial lives.
We're focused on your success and committed to deliver unmatched, individualized support every step of the way. We craft your complete financial plans with multigenerational and personal perspectives by getting to really know you and your family so that we can cater to your individual investment needs. Throughout every stage of your life, working together we can help you grow, preserve, and protect your wealth.
If you ask our clients why they work with us, they will tell you it’s because we look after their money like it’s our own. We are willing to invest the time to really get to know our clients. Then and only then, we can craft a complete financial plan. The planning enables us to construct the ideal investment portfolio to help our clients navigate the ups and downs of life and the markets.
Our team is comprised of dedicated advisors who have a deep understanding of the complexities of today's investment world and building financial success. We construct easy to understand portfolios that are both cost conscious and tax efficient, and strive to simplify our clients' financial lives.
We're focused on your success and committed to deliver unmatched, individualized support every step of the way. We craft your complete financial plans with multigenerational and personal perspectives by getting to really know you and your family so that we can cater to your individual investment needs. Throughout every stage of your life, working together we can help you grow, preserve, and protect your wealth.
Services Include
- Professional Portfolio ManagementFootnote1
- Financial PlanningFootnote2
- Wealth ManagementFootnote3
- Retirement PlanningFootnote4
- Planning for Education FundingFootnote5
- Estate Planning StrategiesFootnote6
- Endowments and FoundationsFootnote7
- Trust AccountsFootnote8
- Philanthropic ManagementFootnote9
- Cash Management and Lending ProductsFootnote10
- Long-term Care InsuranceFootnote11
- Alternative InvestmentsFootnote12
- Divorce Financial AnalysisFootnote13
- Sustainable InvestingFootnote14
- Planning for Individuals with Special Needs
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
At The Blue Bell Sentry Group, we pride ourselves on our deep client relationships, involvement with our community, and providing the highest levels of excellence for our clients.
We work closely with our clients to understand their unique financial goals and objectives, and develop customized strategies to help them achieve financial success for themselves and their families for generations to come.
We work closely with our clients to understand their unique financial goals and objectives, and develop customized strategies to help them achieve financial success for themselves and their families for generations to come.
1. Discovery
The first step in getting to know our clients is to learn about you and your family so we can develop a customized plan.
2. Planning
A goals based financial plan is completed to integrate educational, retirement, estate and tax planning. Every family has unique goals which are included in this personalized financial plan.
3. Recommendations
A tax efficient portfolio is designed to maximize the probability of achieving your goals with the appropriate amount of risk.
4. Implementation
We coordinate the transition from your current portfolio to our recommended investment strategy.
5. Our client experience
Our service team helps new clients get up to speed with our technology, banking services and other Morgan Stanley resources. We meet with clients on a routine basis to ensure that the strategy adapts to changing market and family needs.
The Commonwealth National Foundation
Currently sitting as President, Brett formed The Commonwealth National Foundation in 1999 as a means of raising money for charities collectively amongst its members. The foundation targets smaller, local organizations, therefore they can have a more meaningful impact with their charitable contributions. Since its inception, The Commonwealth National Foundation has donated over $1,100,000 to a variety of local charities.
Forbes Best-In-State Wealth Advisors: Pennsylvania
Brett received recognition in 2018-2020, 2024, and 2025.
2018-2020, 2024, 2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2020, 2024, 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Disclosures2018-2020, 2024, 2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2020, 2024, 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 Best-In-State Wealth Management Team: Pennsylvania
2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024 & 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.
DisclosuresSource: Forbes.com (Awarded 2024 & 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.
Our Clients
We specialize in working with affluent families who need guidance and planning for:
Preparing for retirement
Our client’s number one goal – As certified financial planners (CFP) we use our vast experience to help plan for this important milestone.
Generational Wealth Transfer
Helping families protect, preserve and successfully transfer wealth through multiple generations.
Families in Transition
We specialize in coaching and planning for clients who are in the process or recently divorced.
Emerging/Affluent Millennials
As a millennial herself, Miranda specializes in helping her peers optimize their finances while balancing busy careers and family.
Families with special needs considerations
We have experience in helping find solutions for these unique situations.
Wealth Management Tools and Resources
At the Blue Bell Sentry Group, we provide our clients with resources that are meant to transform their financial wellness and provide understanding into what's going on in your own financial world and the world around us. Morgan Stanley has a suite of digital tools and content designed to enhance every aspect of your financial life, from managing your day-to-day finances to reading digestible content about complex market outlooks. Here are some of the technologies and current resources we have to offer below.
6 Financially Smart Ways to Start 2025
Heading into 2025, it’s time to take stock of your budget, debt and investments—and check them against your financial goals. These six steps can get you started.
Read More Here
Protecting Your Retirement From Market Volatility
The unpredictability of financial markets can disrupt even the best-laid retirement plans. These five strategies may help investors stay on track.
Read More
How to Create a Budget
Creating a budget may sound simple, but a flawed financial map can leave you struggling to reach your goals. Sometimes the collective everyday spending decisions you make have a material impact on your longer-term goals. Fortunately, a combination of tried-and-true practices and modern tools can help you find your way. And even if you’re already good about budgeting, it can be helpful to periodically revisit your plan and adjust it to reflect your current situation.
Budgeting
A Parent’s Guide to Talking to Your Kids About Money
Raising kids to be smart about money requires creating an environment where they are neither insecure, nor overconfident about family finances.
Let's Talk
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of digital features that help you keep track of your finances. They include mobile check deposit, paying your bills online, sending money through Zelle®, and accessing current market data, research, company profiles and quotes.
Morgan Stanley Online
Total Wealth View
As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions in one location to give you and your financial advisor a full picture of your financial wealth and health. Log into Morgan Stanley Online or download the Morgan Stanley Mobile App to link and add external accounts.
See Your Complete Financial Picture
Online Security Center
Protecting your online security is our top priority at Morgan Stanley. We proactively defend our systems and monitor the threat landscape to help anticipate issues before they arise and respond appropriately when they do. We also provide advice and best practices to safeguard your personal information external of the firm as well. To learn more about the measures we take in the face of a constantly evolving cyber threat landscape and how you can better protect yourself, please visit our new Online Security Center.
Online Security Center
The Global Investment Committee Weekly Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income. Click the link below to read the full report.
GIC Weekly Report
Mike Wilson: Thoughts on the Market
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Thoughts on the MarketHigh Net Worth Investor Needs
Here at The Blue Bell Sentry Group, we offer the firm's additional resources that high net worth individuals and families find helpful in both their personal and financial lives. From managing your Family Office to travel and concierge services, learn ore about what we have to offer here.
Reserved Offers
Reserved Living & Giving is a complimentary loyalty program available to Morgan Stanley Clients with a minimum of $1M in AUM. As a reserved member, clients will have access to exclusive partner offers and discounts, as well as thought leadership content and a variety of lifestyle and personal finance topics. Exclusive offers to keep Reserved clients and their families safe and engaged. Offers span across categories such as Dining, Health and Wellness, Travel, Entertainment, and more.
Browse the Latest Offers
Signature Access
Signature Access, the highest tier of Morgan Stanley's loyalty program Reserved Living & Giving, gives clients with $10 million or more in assets at the firm access to world class services such as Private Health Advisory, Personal Cybersecurity services, Aircraft Management and more all in addition to the discounts and content available through Reserved Living & Giving.
Signature Access Log-in
Reserved Insights
Curated insights and articles spanning such topics such as Family, Lifestyle, Health & Planning, Travel, and Giving Back.
Read the Latest Insights
Family Office Resources
Family Office Resources (FOR) is a helpful resource that provides specialized technical expertise to ultra-high net worth advisors and clients across a broad range of family wealth management issues.
Learn more about Family Office Resources
Estate Planning Essentials
Creating an estate plan can help protect your wealth and prevent hardship for your heirs. Discussing the end of life and what happens to your assets is never an easy conversation to have, especially with family. But this type of planning is essential if you hope to ease what can be a difficult process for the people you love and to ensure that your wishes are respected.
Learn About Estate Planning
MS GIFT
Morgan Stanley Global Impact Funding Trust (MS GIFT) offers a thoughtful and tax-advantageous way to support the charities and causes that matter most to you. Learn more about how we can help you incorporate tax strategies into your charitable giving.
Learn MoreLocation
1787 Sentry Pky W
Bldg 18 Ste 440
Blue Bell, PA 19422
US
Direct:
(215) 542-1000(215) 542-1000
Meet The Blue Bell Sentry Group
Phone:
(215) 274-2233(215) 274-2233
Phone:
(215) 572-4512(215) 572-4512
First Vice President, Financial Advisor, Portfolio Management Director, Alternative Investments Director
Phone:
(610) 260-7037(610) 260-7037
Marie Gabriele
Senior Client Service Associate
Phone:
(215) 572-4514(215) 572-4514
Kristin Colgan
Client Service Associate
Phone:
(215) 274-2113(215) 274-2113
About Brett Rhode
For over forty years Brett has been helping clients navigate the complex world of investments. He has become the trusted advisor to a select group of multi-generational families and fills the role of their personal chief financial officer.
Prior to joining Morgan Stanley in 2020, Brett spent his entire career at UBS. During that period, in addition to being a financial advisor, he was chosen to run the Philadelphia training program for new financial advisors, manage the Conshohocken office and speak at both regional and national meetings. Brett is a Certified Financial Planner (CFP) and received his Certified Investment Management Analyst (CIMA) designation after completing the program offered through the Wharton School of Business.
Brett has been recognized as an industry leader and named by Forbes as a “Best-In-State Wealth Advisor” in 2018-2020, 2024, and 2025. Over the years, his articles have appeared in numerous newspapers and magazines on topics ranging from retirement planning to tax efficient investing.
Brett first became interested in investments at Villanova University and founded the school’s first investment club. After graduation from Villanova in 1983 he travelled across the country teaching a study course for those seeking the Series 7 license.
He currently lives in Blue Bell, Pennsylvania with his wife and children. When he isn’t working, he enjoys playing poker and golf and cheering on his beloved Philadelphia Eagles
2018-2020, 2024, 2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2018-2020, 2024, 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Prior to joining Morgan Stanley in 2020, Brett spent his entire career at UBS. During that period, in addition to being a financial advisor, he was chosen to run the Philadelphia training program for new financial advisors, manage the Conshohocken office and speak at both regional and national meetings. Brett is a Certified Financial Planner (CFP) and received his Certified Investment Management Analyst (CIMA) designation after completing the program offered through the Wharton School of Business.
Brett has been recognized as an industry leader and named by Forbes as a “Best-In-State Wealth Advisor” in 2018-2020, 2024, and 2025. Over the years, his articles have appeared in numerous newspapers and magazines on topics ranging from retirement planning to tax efficient investing.
Brett first became interested in investments at Villanova University and founded the school’s first investment club. After graduation from Villanova in 1983 he travelled across the country teaching a study course for those seeking the Series 7 license.
He currently lives in Blue Bell, Pennsylvania with his wife and children. When he isn’t working, he enjoys playing poker and golf and cheering on his beloved Philadelphia Eagles
2018-2020, 2024, 2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2018-2020, 2024, 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: OK, TX, PA, CT, SC, NM, NC, RI, HI, WI, MT, TN, ME, DE, AZ, OR, NV, UT, KY, NE, WA, FL, CO, NJ, IN, IL, DC, CA, AR, VA, NY, MD, MA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 2078589
NMLS#: 2078589
About Miranda Cabrelli
Miranda Cabrelli began her financial services career in August of 2008, joining Delaware Funds by Macquarie. While at Delaware Funds, she partnered with advisors, throughout the southeast, to help craft suitable and appropriate portfolios for clients. It was during her tenure at Delaware Funds that Miranda developed a passion for financial planning and collaborating with clients and became a Certified Financial Planner in 2014. She transitioned to Vanguard in 2017, to pursue her passion as a financial advisor and certified financial planner. While at Vanguard she worked with affluent individuals and families to achieve their financial goals. Ultimately her desire to collaborate with individuals and families in a highly customized and personalized approach led her to Morgan Stanley to join Brett Rhode to form the Blue Bell Sentry Group in 2022. To continue to build her financial expertise and acumen in 2023 Miranda earned Certified Divorce Financial Analyst designation to assist individual during a difficult transition.
Miranda resides in Malvern with her son, Patton, and fiancé Jerry. Outside of work, Miranda is a car enthusiast, loves wine and enjoys travel and adventures with family and friends.
Miranda resides in Malvern with her son, Patton, and fiancé Jerry. Outside of work, Miranda is a car enthusiast, loves wine and enjoys travel and adventures with family and friends.
Securities Agent: NY, HI, OK, CO, TN, KY, TX, RI, NM, MT, MD, MA, FL, WA, DE, PA, CA, ME, CT, SC, NJ, NC, IN, AZ, NV, NE, IL, DC, AR, WI, VA, UT, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 2448277
NMLS#: 2448277
About Richard Atcavage
Rick Atcavage began his career in the financial services in October of 1987, and has been with Morgan Stanley since September 2020. Rick received his Certified Investment Management Analyst (CIMA) designation after completing the program offered through the Wharton School of Business.
Rick's investment philosophy is all about trust. He thoroughly enjoys working with his wonderful clients, and it's an honor for him to help them achieve their lifetime financial goals under his guide.
Outside of work, Rick enjoys golf, fitness, and is involved in multiple community organizations and philanthropies such as the J. Wood Platt Foundation and Evan's Scholars that both support higher education for youths in his community. At home, Rick lives with his wife and has 3 adult children and 2 grandchildren.
Rick's investment philosophy is all about trust. He thoroughly enjoys working with his wonderful clients, and it's an honor for him to help them achieve their lifetime financial goals under his guide.
Outside of work, Rick enjoys golf, fitness, and is involved in multiple community organizations and philanthropies such as the J. Wood Platt Foundation and Evan's Scholars that both support higher education for youths in his community. At home, Rick lives with his wife and has 3 adult children and 2 grandchildren.
Securities Agent: NV, CO, HI, TX, PA, NE, NC, MT, ME, MD, TN, NY, IL, AR, WA, OK, NJ, KY, DE, VA, NM, GA, CA, SC, RI, OR, IN, FL, MA, CT, WI, UT, DC, AZ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2121966
NMLS#: 2121966
About Kevin W. Calvert
Securities Agent: HI, CT, OK, WI, WA, ME, IN, NJ, NE, MT, KY, AR, OR, NY, NC, CA, TX, NV, NM, DE, UT, VA, SC, RI, MD, IL, DC, MA, PA, CO, AZ, TN, FL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1285137
NMLS#: 1285137
About Marie Gabriele
Marie brings over 30 years of client service expertise and is the lead assistant for our group. She is tasked with a wide range of operational and client service responsibilities. Clients rely on Marie to help them with the ongoing administration of their accounts.
Marie and her husband John reside in Montgomeryville, PA. Their daughter is currently attending West Chester University.
Marie and her husband John reside in Montgomeryville, PA. Their daughter is currently attending West Chester University.
About Kristin Colgan
Kristin joined Morgan Stanley in 2022 after working for over 15 years in the restaurant industry. In 2025, she joined The Blue Bell Sentry Group in the Blue Bell office. She resides in Conshohocken, Pennsylvania with her daughter who is currently a senior in high school. Kristin graduated from Temple University with a B.B.A in Legal Studies.
Kristin is a wine enthusiast and physical well-being is very important to her. She expresses this enthusiasm to others as the cochair of the Wellness Committee in the Philadelphia chapter of Women and Wealth. When she's not in the office, you can find her touring colleges with her daughter, doing yoga, or travelling around the world.
Kristin is a wine enthusiast and physical well-being is very important to her. She expresses this enthusiasm to others as the cochair of the Wellness Committee in the Philadelphia chapter of Women and Wealth. When she's not in the office, you can find her touring colleges with her daughter, doing yoga, or travelling around the world.
Contact Brett Rhode
Contact Miranda Cabrelli
Contact Richard Atcavage
Contact Kevin W. Calvert
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2024-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2025). 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
2018-2020, 2024-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2018-2020, 2024-2025). 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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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
Lorry Rosado
Private Banker
About Lorry Rosado
Lorry Rosado is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey and Pennsylvania.
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.
Lorry began her career in financial services in 1984, and joined Morgan Stanley in 2017. Prior to joining the firm, she served as a Banking Advisor at Merrill Lynch, and a Senior Premier Client Manager at Bank of America.
She currently resides in East Brunswick, NJ with her family.
Outside of the office, Lorry volunteers as a Coach for the Fast Break Basketball Buddy Ball program, focused on providing an opportunity for disabled children and young adults to enjoy the game of basketball. In her free time, she enjoys spending time with her 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.
Lorry began her career in financial services in 1984, and joined Morgan Stanley in 2017. Prior to joining the firm, she served as a Banking Advisor at Merrill Lynch, and a Senior Premier Client Manager at Bank of America.
She currently resides in East Brunswick, NJ with her family.
Outside of the office, Lorry volunteers as a Coach for the Fast Break Basketball Buddy Ball program, focused on providing an opportunity for disabled children and young adults to enjoy the game of basketball. In her free time, she enjoys spending time with her family.
NMLS#: 644450
Wealth Management
Global Investment Office
Portfolio Insights
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
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 Blue Bell Sentry Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
9Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
10Morgan 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
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
13Morgan 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.
14The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER® and federally registered CFP (with flame 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
1Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
9Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
10Morgan 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
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
13Morgan 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.
14The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
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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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER® and federally registered CFP (with flame 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
CRC 6491812 (04/2024)
