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.
Services Include
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.
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    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.
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    Financial Planning and Wealth Management Checklist
    Our team will review and address all aspects of your financial picture.
    Checklist
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    2. Planning
    A goals-based financial plan is constructed to integrate educational, retirement, estate and tax planning. Every financial plan is personalized for your families unique goals.
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    3. Recommendations
    A tax-efficient portfolio is designed to maximize the probability of achieving your goals with the appropriate amount of risk.
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    4. Implementation
    We coordinate the transition from your current portfolio to our recommended investment strategy and begin to address opportunities identified on your wealth management checklist.
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    5. Our Client Experience
    Marie and Kristin help new clients become familiar with MSO, banking and lending services, reserved living and giving, and assist with ongoing administrative needs. You will routinely meet with your dedicated advisor and be backed by an exceptional team with over 100 years in combined experience.

Our Clients

We specialize in working with affluent families who need guidance and planning for:
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    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.
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    Generational Wealth Transfer
    Helping families protect, preserve and successfully transfer wealth through multiple generations.
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    Families in Transition
    We specialize in coaching and planning for clients who are in the process or recently divorced.
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    Emerging/Affluent Millennials
    As a millennial herself, Miranda specializes in helping her peers optimize their finances while balancing busy careers and family.
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    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.
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    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
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    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
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    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
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    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
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    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
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    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
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    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
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    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
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    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 Market

Financial Planning

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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.

Our wealth management process starts with you - your investment objectives and financial goals. Taking a holistic approach, we consider all aspects of your financial life, from investments to cash management, ensuring everything aligns with your wealth management plan.

Using a range of tools, including goal-specific analysis, we'll collaborate to develop a realistic strategy that integrates all facets of your finances. Below, you'll find resources that introduce some of the key tools we use. Click to explore topics that directly impact your wealth.
Planning Process
Our process focuses on you, your family and your business – where you are today and where you want to go. Working together, we develop the strategies to help get you there, navigating life’s challenges and helping you make more informed decisions.
Click Here to Learn More
Matrimonial Process
There are few events more exciting than when my client decides to align their life with the person they love. Of course, there are conversations you should have with your partner before tying the knot. One of the most important is about money—how you will make it, save it, spend it and invest it. In addition, helping fund an adult child’s wedding is a goal for many parents (and grandparents).
Learn More
Women and Wealth
Our approach to women and wealth planning is designed to address specific needs for women to help achieve financial freedom. By focusing on longevity planning, career and income planning, family and dependents, and investment strategies, women can feel more confident about their financial goals and how they’ll achieve them.
Learn More
Business Exit/Business Sales
As an entrepreneur, you've invested significant time and effort into building a thriving business. With much of your personal wealth tied up in your company, managing your financial life requires a strategic approach to your financial plan. At The Blue Bell Sentry Group, we can offer customized solutions to help you maximize your business assets for the benefit of your family and personal financial goals, as well as helping you to take a proactive approach to plan your exit.
Learn More

Location

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

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.
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

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.
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

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.
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

About Kevin W. Calvert

Kevin Calvert is a Certified Financial Planner™ and Financial Advisor with Morgan Stanley’s Blue Bell Sentry Group, where he helps individuals and families achieve their financial goals with a personalized, planning-first approach.

Originally from the beach town of Southampton, NY, Kevin grew up surrounded by hard work and the pursuit of success, catering to a discerning clientele from New York City. He earned his bachelor’s degree in Accountancy from Villanova University in 1990 and began his career as an auditor at Deloitte in Parsippany, NJ, where he earned his CPA license. Kevin then moved to New York City, fulfilling a lifelong dream, and took a position with Lehman Brothers, working in the Controller’s Group.

It was during his time on the trading floor that Kevin discovered his true calling: helping individuals invest wisely and plan for their futures. In 2000, he returned to the Philadelphia area to become a Financial Advisor, launching his practice during the volatility of the technology bubble before joining Morgan Stanley in 2005. Those early years taught him the value of a disciplined process, risk management, and holistic planning. Today, Kevin holds the Certified Financial Planner™ designation and offers a wide range of services to his clients, including Wealth Management, Financial Planning, Retirement Planning, Asset Management, 401(k) Rollovers, 529 College Savings Plans, Life Insurance, and Long-Term Care Insurance.

Outside the office, Kevin is a dedicated family man. He and his wife have a blended family of four children. Away from work, Kevin enjoys golfing, snowboarding, traveling, and spending time outdoors with his family and their Boston Terrier. He is also active in supporting local youth sports and educational initiatives.
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

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.

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 co-chair 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.

Awards and Recognition

2

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

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.
NMLS#: 644450
Private Bankers, Ultra High Net Worth (“UHNW”) Sales Specialists, Lending Advisors, Mortgage Consultants, Relationship Managers, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.

Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.

Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.

Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

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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A Simple Six-Step Retirement Checkup

Checking in on your retirement plan may make a lot of sense, especially when market volatility arises.

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
2025 Midyear Economic Outlook: A Widespread Deceleration
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2025 Midyear Economic Outlook: A Widespread Deceleration

Global growth is likely to slow in 2025 and 2026 as the shock of higher U.S. tariffs crimps demand around the world.

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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529 Plans: A Powerful Tool to Save for Education

Though education costs continue to climb, starting to save and invest early can make a difference.

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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Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

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
Donor Advised Funds: A Smart Way to Manage Your Giving
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Donor Advised Funds: A Smart Way to Manage Your Giving

There's more to charitable giving than you may realize. Here's one method that may be a tax-efficient way to give and can help maximize your impact.
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.

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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.

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3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.

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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.

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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.

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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.

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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.

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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.

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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.

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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

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11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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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.

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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.

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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
CRC 6491812 (04/2024)