First Vice President, Wealth Management, Financial Advisor, Portfolio Management Director, Family Wealth Advisor
The Blue Ocean Pearl Group at Morgan Stanley
Direct:
(626) 584-3467(626) 584-3467
Our Mission Statement
Our Mission is to walk beside our clients as trusted partners, providing inclusive financial education and heartfelt guidance that meets them where they are. With empathy and integrity, we support every client in making confident, informed financial decisions.
Our Story and Services
Our story is rooted in synergy — the belief that when complementary strengths come together in a natural, intentional flow, something greater is created. Much like the balance of yin and yang, our team was formed around harmony: thoughtful structure paired with intuition, strategy aligned with purpose. At the heart of our work is a deep respect for the interconnected nature of life and finance, where clarity, balance, and trust allow progress to unfold with confidence.
Andrea brings a heart-centered awareness to every relationship, emphasizing listening, empathy, and emotional clarity. This focus on heart coherence helps create an environment where clients feel truly seen and understood. Michael complements this with a disciplined, analytical approach — applying logistics, financial engineering, modeling, and structured planning to bring ideas into reality. Together, this blend of awareness and precision allows us to thoughtfully guide both the human and technical sides of wealth.
We often think of our work like the formation of a pearl: born from challenge, shaped over time, and ultimately revealing lasting beauty. Our clients’ journeys open into an expansive sea of opportunity, where thoughtful guidance helps navigate change and growth. Like water — the source of all life — we believe financial planning connects us all, flowing through generations, goals, and values. It is our privilege to help steward that flow with care, intention, and purpose.
Andrea brings a heart-centered awareness to every relationship, emphasizing listening, empathy, and emotional clarity. This focus on heart coherence helps create an environment where clients feel truly seen and understood. Michael complements this with a disciplined, analytical approach — applying logistics, financial engineering, modeling, and structured planning to bring ideas into reality. Together, this blend of awareness and precision allows us to thoughtfully guide both the human and technical sides of wealth.
We often think of our work like the formation of a pearl: born from challenge, shaped over time, and ultimately revealing lasting beauty. Our clients’ journeys open into an expansive sea of opportunity, where thoughtful guidance helps navigate change and growth. Like water — the source of all life — we believe financial planning connects us all, flowing through generations, goals, and values. It is our privilege to help steward that flow with care, intention, and purpose.
Services Include
- Alternative InvestmentsFootnote1
- 401(k) Rollovers
- Business Succession PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Financial PlanningFootnote4
- LGBT+ Planning ServicesFootnote5
- Wealth ManagementFootnote6
- Cash Management and Lending ProductsFootnote7
- Professional Portfolio ManagementFootnote8
- Sustainable InvestingFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
Hearing a client breathe easier is one of the greatest rewards in our work. It means we've helped bring clarity, confidence, and a sense of control to their financial lives. Whether it's preparing for retirement, planning for a child's education, or navigating times of economic uncertainty, our goal is to ensure clients feel supported and secure in the strategies we build together.
At the heart of our firm is a commitment to genuine connection. We take the time to understand our clients, their families, and the values that guide their decisions. This foundation of mutual trust allows us to approach even the toughest choices with steadiness and care. Clients can expect professionalism, integrity, respect, and an unwavering dedication to service in every interaction.
Selecting a financial advisor is a meaningful decision—one that impacts not only today, but future generations. We invite you to reach out, and we look forward to building a thoughtful, lasting partnership.
1. Introductory Call
We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we all agree to move forward, we'll schedule our next meeting and request important financial information.
2. Get To Know You Meeting
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you've prepared and define your priorities.
3. Analysis & Plan Development
Here, we utilize proprietary financial planning tools to develop a personalized and detailed plan with recommendations to help you grow, preserve and transfer your wealth.
4. Implementation
In this step, we present appropriate strategies that are designed to work together to achieve your goals. Upon your approval, we open new accounts for you at Morgan Stanley and initiate our investment recommendations. We'll also begin to implement other strategies we've discussed. These often encompass tax minimization strategies, as well as risk management and estate planning techniques.
5. Ongoing Service
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. As we begin to execute each strategy, we'll set up tools so you have immediate access to your account information. And because markets and personal needs evolve over time, we set up ongoing meetings to ensure your plan remains on schedule to achieve your goals.
Diversity and Inclusion
We proudly serve the LGBTQ+ community with personalized financial strategies designed to help you build the life you envision. Our team values diversity and works to create a safe, affirming space where every voice is heard and every journey is honored. Together, we help you navigate your financial future with confidence and care.
Money and Marriage for LGBTQ+ Couples: A Financial Checklist
LGBTQ+ couples can benefit significantly from professional financial advice to navigate the complexities of financial planning. Working with an inclusive financial advisor can help couples optimize their financial strategies and take full advantage of available benefits. Learn what to consider when planning a financial future together.
Women and Wealth: What to Consider in Your Financial Planning
Women have the potential to be a powerful financial force, but they face unique challenges that require thoughtful financial planning. By setting clear goals and engaging in strategic financial planning, women can secure their financial future and achieve their personal vision of success.
Morgan Stanley Inclusive & Sustainable Ventures
Morgan Stanley has selected 29 startups and 4 nonprofits to join its 2025 cohort for two accelerators, the MSISV Lab and Collaborative. These organizations are provided with funding, mentorship, and a network of investors to foster growth and innovation in sectors such as healthcare, transportation, manufacturing, and sustainability. The MSISV 2025 cohort aims to empower innovators with the resources and mentorship needed to tackle pressing global challenges, ensuring the next generation of leaders can create a lasting impact in their respective fields.
Helping You Understand The Value Of Advice And Developing Enduring Relationships
We work with diverse clientele across every generation. It is our honor to advise and guide accomplished women, successful men, multigenerational families, and the LGBTQ+ Community.
Retirement Planning
Planning for retirement has never been easy, but in recent years, it has become increasingly difficult. We’re here to help you create a well-rounded planning approach for retirement. We’ll help you identify your personal goals, track your progress toward achieving them, and work together to create a customized plan.
Six Step Retirement Checkup
Estate Planning
Estate Planning
Everyone has a unique vision for their legacy. We can help you to create your estate planning strategy designed to secure, manage, and distribute your assets during and after your lifetime, while helping to minimize taxation. This will help to protect your legacy and assist those you care about the most to preserve your wishes while also balancing the needs of your entire family. Connect with us to learn more about your options and next steps.
Estate Planning ChecklistEveryone has a unique vision for their legacy. We can help you to create your estate planning strategy designed to secure, manage, and distribute your assets during and after your lifetime, while helping to minimize taxation. This will help to protect your legacy and assist those you care about the most to preserve your wishes while also balancing the needs of your entire family. Connect with us to learn more about your options and next steps.
Philanthropy Management
Philanthropy Management supports individuals, families, corporate and private foundations, and non-profit organizations by offering a suite of services to help define and realize clients' charitable missions. We deliver the information, advice, and support needed to help you define your philanthropic goals and create an effective strategy to reach them.
Learn More About Giving Back
Protecting Your Income from the Unexpected
Disability insurance is crucial for protecting one's income against unexpected events. We encourage individuals to evaluate their current coverage, consider private insurance for additional protection, and maintain an emergency fund to ensure financial stability during periods of disability.
Learn More HereHelping The Next Generation Prepare For The Future
We provide tailored guidance and resources for the next generation to develop financial literacy, decision-making skills, and a clear understanding of wealth responsibility. Our approach prepares future leaders to thoughtfully manage, grow, and protect their financial legacy.
5 Personal Money Moves for the New Year
Heading into 2026, it’s time to take stock of your budget, debt and investments—and check them against your financial goals. These five steps can get you started.
Learn More Here
How To Plan Instead of Panic in Volatile Markets
How do you weather volatile markets? A study of nearly 120,000 investors reveals the value of having a sound financial plan to help keep you on track.
Learn More Here
5 Things You May Not Know About 529's (But Should)
They're tax friendly, flexible, and available to anyone. Yet, 529 education investment plans are still underused. Here are five things that parents, grandparents, and anyone hoping to get a leg up on education costs need to know.
Learn More Here
3 Tax Questions Every Investor Should Ask
Factoring the impact of taxes into your portfolio and planning decisions can help you to keep more of your hard-earned money.
Learn More HereLocation
55 South Lake Ave
Ste 700
Pasadena, CA 91101
US
Direct:
(626) 584-3467(626) 584-3467
Meet The Blue Ocean Pearl Group
About Andrea Atanay
Andrea began her career in the Financial Services industry in 1994. She was inspired by her mother, who was one of the first women traders admitted to the floor of the Pacific Coast Stock Exchange in the 1960s. Andrea’s first job was on a trading desk at a start-up firm and over the years she rose up through the ranks to become one of only two, female Financial Advisors at Merrill Lynch in Downtown LA in 2009.
Andrea is a Vice President, Portfolio Management Director, Family Wealth Advisor and member of The Blue Ocean Pearl Group at Morgan Stanley in Pasadena. She focuses on helping families work through unique and complicated financial planning matters. She enjoys helping clients organize, prioritize and solve complex wealth management issues.
As a working mother of two, she understands the importance of work life balance and setting aside time for creativity. Andrea is passionate about the arts and is also a mixed media artist. She has earned degrees in jewelry design & fabrication from GIA – Gemological Institute of America.
Andrea is a current board member for Pasadena Beautiful Foundation. She grew-up in the San Gabriel Valley and graduated from Westridge School for Girls in Pasadena. She went on to attain her bachelor’s degree at UC Santa Cruz.
Andrea is a Vice President, Portfolio Management Director, Family Wealth Advisor and member of The Blue Ocean Pearl Group at Morgan Stanley in Pasadena. She focuses on helping families work through unique and complicated financial planning matters. She enjoys helping clients organize, prioritize and solve complex wealth management issues.
As a working mother of two, she understands the importance of work life balance and setting aside time for creativity. Andrea is passionate about the arts and is also a mixed media artist. She has earned degrees in jewelry design & fabrication from GIA – Gemological Institute of America.
Andrea is a current board member for Pasadena Beautiful Foundation. She grew-up in the San Gabriel Valley and graduated from Westridge School for Girls in Pasadena. She went on to attain her bachelor’s degree at UC Santa Cruz.
Securities Agent: VA, AR, CO, CA, GA, WY, ID, TX, FL, WA, NJ, KY, MI, DC, PA, OH, NV, IL, AZ, WI, NC, KS, OR, UT, NY, NM; General Securities Representative; Investment Advisor Representative
NMLS#: 557972
CA Insurance License #: 0G15937
NMLS#: 557972
CA Insurance License #: 0G15937
About Michael Co
Michael Co is a Financial Advisor and member of The Blue Ocean Pearl Group in Pasadena. Michael helps his clients navigate through the volatility of financial markets in order to reach their goals. At Morgan Stanley, he uses a holistic approach to understand his clients’ goals through financial planning and a goal based portfolio management. Michael believes portfolio management centers on research driven ideas and disciplined decisions in both good and bad markets.
Prior to joining Morgan Stanley, Michael was an Equity Research Analyst advising institutional investors on stock selection. His analytical and methodical approach to wealth management help his clients remain calm during volatile economic periods. Whether you are trying to manage the finances of your company or your family, Michael and the resources at Morgan Stanley are here to help you find a solution.
Michael is a graduate of USC earning a Bachelor of Arts Degree inn East Asian Area Studies, with an emphasis on: International Business. He has spent time traveling the world and living & working in Hong Kong. Michael is passionate about his family and driven to create remarkable opportunities for his young son Colin.
Prior to joining Morgan Stanley, Michael was an Equity Research Analyst advising institutional investors on stock selection. His analytical and methodical approach to wealth management help his clients remain calm during volatile economic periods. Whether you are trying to manage the finances of your company or your family, Michael and the resources at Morgan Stanley are here to help you find a solution.
Michael is a graduate of USC earning a Bachelor of Arts Degree inn East Asian Area Studies, with an emphasis on: International Business. He has spent time traveling the world and living & working in Hong Kong. Michael is passionate about his family and driven to create remarkable opportunities for his young son Colin.
Securities Agent: GA, TX, NV, CA, KS, VA, UT, OR, WA, NC, KY, IA, CO, ID, WY, OH, IL, FL, NM, NJ, MI, AZ, AR, DC, PA, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 887543
CA Insurance License #: 0H92765
NMLS#: 887543
CA Insurance License #: 0H92765
Contact Andrea Atanay
Contact Michael Co
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
Joy Quiza
Associate Private Banker
Hasan Dossaji
Planning Associate
About Joy Quiza
Joy Quiza is an Associate Private Banker serving Morgan Stanley Wealth Management offices in California.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Joy began her career in financial services in 2007, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, she was a Premier Banker at Wells Fargo Bank, N.A.
Joy is a graduate of Centro Escolar University, where she received a Bachelor of Arts in Mass Communication. She lives in Los Angeles, California with her husband. Joy is the founder of Alexis Louise Quiza (ALQ) Children’s Foundation, and past president of the Filipino American Business Association of Glendale – Greater Los Angeles from 2018-2019. Outside of the office, Joy volunteers in various community events serving the AAPI community. She and her husband love to travel and enjoy the joy their daughter and three dogs bring in their lives.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Joy began her career in financial services in 2007, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, she was a Premier Banker at Wells Fargo Bank, N.A.
Joy is a graduate of Centro Escolar University, where she received a Bachelor of Arts in Mass Communication. She lives in Los Angeles, California with her husband. Joy is the founder of Alexis Louise Quiza (ALQ) Children’s Foundation, and past president of the Filipino American Business Association of Glendale – Greater Los Angeles from 2018-2019. Outside of the office, Joy volunteers in various community events serving the AAPI community. She and her husband love to travel and enjoy the joy their daughter and three dogs bring in their lives.
NMLS#: 642535
About Hasan Dossaji
Hasan Dossaji is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Hasan provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from University of Illinois at Urbana-Champaign and received the Financial Planning Specialist® Designation from the College for Financial Planning. Hasan is originally from Schaumburg, Illinois and currently resides in Chicago, Illinois.
He earned his undergraduate degree from University of Illinois at Urbana-Champaign and received the Financial Planning Specialist® Designation from the College for Financial Planning. Hasan is originally from Schaumburg, Illinois and currently resides in Chicago, Illinois.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When 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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When 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.
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
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact The Blue Ocean Pearl Group today.
1Alternative 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.
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.
3Morgan 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.
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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley 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.
7Morgan 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
8Morgan 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.
9Investing 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.
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
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.
3Morgan 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.
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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley 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.
7Morgan 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
8Morgan 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.
9Investing 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.
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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
