Dennis Cutrone
Managing Director, Private Wealth Management, Private Wealth Advisor, International Client Advisor, Family Wealth Director
Phone:
(212) 692-2829(212) 692-2829
The BlueStone Wealth Management Group at Morgan Stanley
Our Mission Statement
Our commitment extends beyond investment management. As your intermediary, we work with professionals you already have in place from attorneys to CPAs, complementing their resources to provide synergy for your needs—whether that’s designing a trust for future generations, or leveraging assets through commercial opportunities and access to banking and lending services. We then deliver decisive, customized strategies for both your personal and financial journey.
OUR STORY
A Wealth of Possibilities
Every path in life offers a wealth of possibilities: the opportunity to endow a philanthropic cause, build an estate, or expand a business or enterprise you’ve worked hard to create. You want an advisor who understands the dimensions of your journey, and can provide direction for the road ahead.
The BlueStone Group at Morgan Stanley is an experienced, fourteen member Wealth Management team. We oversee the complex, and often unique, needs of families through access to the resources of Morgan Stanley’s global capabilities, and hold ourselves to the highest of standards—not just in our professional knowledge but in the delivery of services and the potential growth of our clients' wealth.
Our commitment extends beyond investment management. As your intermediary, we work with professionals you already have in place from attorneys to CPAs, complementing their resources to provide synergy for your needs—whether that’s designing a trust for future generations, or leveraging assets through commercial opportunities and access to lending services. We then deliver decisive, customized strategies for both your personal and financial journey.
Barron's Top 100 Private Wealth Management Teams
Source: Barron's.com (Awarded Apr 2022) Data compiled by Barron's based on time period from Dec 2020 - Dec 2021.
Every path in life offers a wealth of possibilities: the opportunity to endow a philanthropic cause, build an estate, or expand a business or enterprise you’ve worked hard to create. You want an advisor who understands the dimensions of your journey, and can provide direction for the road ahead.
The BlueStone Group at Morgan Stanley is an experienced, fourteen member Wealth Management team. We oversee the complex, and often unique, needs of families through access to the resources of Morgan Stanley’s global capabilities, and hold ourselves to the highest of standards—not just in our professional knowledge but in the delivery of services and the potential growth of our clients' wealth.
Our commitment extends beyond investment management. As your intermediary, we work with professionals you already have in place from attorneys to CPAs, complementing their resources to provide synergy for your needs—whether that’s designing a trust for future generations, or leveraging assets through commercial opportunities and access to lending services. We then deliver decisive, customized strategies for both your personal and financial journey.
Barron's Top 100 Private Wealth Management Teams
Source: Barron's.com (Awarded Apr 2022) Data compiled by Barron's based on time period from Dec 2020 - Dec 2021.
Services Include
- Wealth ManagementFootnote1
- 401(k) Rollovers
- 529 PlansFootnote2
- Alternative InvestmentsFootnote3
- Asset Management
- Business PlanningFootnote4
- Business Succession PlanningFootnote5
- Cash ManagementFootnote6
- Endowments and FoundationsFootnote7
- Estate Planning StrategiesFootnote8
- Exchange Traded FundsFootnote9
- Executive Financial ServicesFootnote10
- Financial PlanningFootnote11
- Lending Products
- Life InsuranceFootnote12
- Long Term Care InsuranceFootnote13
- Municipal BondsFootnote14
- Philanthropic Services
- Planning for Education FundingFootnote15
- Professional Portfolio ManagementFootnote16
- Qualified Plans
- Qualified Retirement PlansFootnote17
- Retirement PlanningFootnote18
- Trust AccountsFootnote19
- Trust Services*
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
AWARDS & PRESS
Bluestone Wealth Management Group Named to Forbes Best-in-State Wealth Management Teams 2025
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based on time period from 3/31/23-3/31/24.
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based on time period from 3/31/23-3/31/24.
Barron's Top 250 Private Wealth Management Teams 2024
Source: Barron's.com (Awarded May 2024) Data compiled by Barron's based on time period from Jan 2023-Dec 2023.
Dennis Cutrone Named One of Barron's Top 1,200 Financial Advisors: State-by-State 2024
Barron's Top 1200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2024) Data compiled by Barron's based on time period from Sept 2022 - Sept 2023
Source: Barron's.com (Awarded Mar 2024) Data compiled by Barron's based on time period from Sept 2022 - Sept 2023
Bluestone Wealth Management Group Named to Forbes Best-in-State Wealth Management Teams 2024
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23.
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23.
Bluestone Group Named One of Barron's Top 100 Private Wealth Management Teams 2023
Barron's Top 100 Private Wealth Management Teams
Source: Barron's.com (Awarded April 2023) Data compiled by Barron's based on time period from Dec 2021 - Dec 2022.
Source: Barron's.com (Awarded April 2023) Data compiled by Barron's based on time period from Dec 2021 - Dec 2022.
Dennis Cutrone Named One of Barron's Top 1,200 Financial Advisors: State-by-State 2023
Barron's Top 1200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2023) Data compiled by Barron's based on time period from Sept 2021 - Sept 2022.
Source: Barron's.com (Awarded Mar 2023) Data compiled by Barron's based on time period from Sept 2021 - Sept 2022.
Bluestone Wealth Management Group Named to Forbes Best-in-State Wealth Management Teams 2023
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22
Bluestone Group Named One of Barron's Top 100 Private Wealth Management Teams 2022
Barron's Top 100 Private Wealth Management Teams
Source: Barron's.com (Awarded April 2021) Data compiled by Barron's based on time period from Dec 2020 - Dec 2021.
View Press Release HereSource: Barron's.com (Awarded April 2021) Data compiled by Barron's based on time period from Dec 2020 - Dec 2021.
Dennis Cutrone Named One of Barron's Top 1,200 Financial Advisors: State-by-State 2022
Barron's Top 1200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2022) Data compiled by Barron's based on time period from Sept 2020 - Sept 2021.
View Press Release HereSource: Barron's.com (Awarded Mar 2022) Data compiled by Barron's based on time period from Sept 2020 - Sept 2021.
Bluestone Wealth Management Group Named to Forbes Best-In-State Wealth Management Teams 2022
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/20-3/31/21.
Source: Forbes.com (Awarded Jan 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/20-3/31/21.
Dennis Cutrone Named to Forbes Best-In-State Wealth Advisor List 2022
Forbes Best-In-State Wealth Advisors
Source: Forbes/com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Source: Forbes/com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Morgan Stanley at Work
There’s no better investment your company can make than in the people that power it. That’s why Morgan Stanley at Work delivers workplace financial solutions that can help employees build financial well-being—and help you attract and retain top talent. Through firm resources, the Bluestone Wealth Management Group at Morgan Stanley can provide world-class financial solutions for businesses of all sizes.
Equity Solutions
Equity compensation is more than shares. It’s a commitment to mutual success and a powerful way to help employees feel connected to your business. We help your business get the most of your equity compensation benefits with technology that is customizable, scalable and repeatable.
Learn More Here
Retirement Solutions
For your employees, retirement is more than a date in the future—it’s a milestone that takes time, hard work and the right tools to achieve. Our team provides a comprehensive suite of solutions and investment experience to help you with your investment responsibilities and help your employees achieve their goals.
Learn More Here
Deferred Compensation
Through a Nonqualified Deferred Compensation (NQDC) plan, your executives can save for the future while having the ability to take advantage of Morgan Stanley Wealth Management services.
Learn More Here
Executive Services
Empower your leaders to manage their equity compensation and complex financial needs with a dedicated Executive Services Relationship Manager.
Learn More Here
Saving and Giving
Your employees are putting in the work to tackle their existing student loan debt and save for future education. Help them reach their goals—and show you’re committed to their success—with our leading education financing benefits.
Learn More Here
State of the Workplace Study 2023
Explore Morgan Stanley at Work’s State of the Workplace III Financial Benefits Study results. Discover workforce challenges and how to stay competitive.
Read More HereCLIENT CENTER
Our comprehensive suite of digital tools are designed to help enhance virtually every aspect of your financial life. Our Client Center contains important Modern Wealth Management tools and other resources we have to offer our clients.
Morgan Stanley Online (MSO)
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Register Here
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More
CashPlus
Enjoy unlimited ATM fee rebates worldwide with the Morgan Stanley Debit Card, along with no foreign transaction fees, no cash advance fees, unlimited checkwriting, and more.
Learn More Here
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored using encryption.
Learn More Here
E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures from clients on paperwork. There is no registration process for you to begin using E-Sign - all you need is a valid email address and phone number.
Learn More Here
E-Delivery
E-Delivery allows you to securely save, print, send, and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
Learn More Here
E-Authorization
E-Authorizations allows you to approve transactions electronically and securely on Morgan Stanley Online and the Morgan Stanley Mobile App.
Learn More Here
Reserved Living and Giving
Reserved Living & Giving is a complimentary loyalty program available to clients with a minimum of $1M in AUM, that can help them save time and money on travel, gifts, automobiles and more.
Learn More HerePrivate Wealth Management/Family Office Services
The commitment of The Bluestone Group/Family Office Services at Morgan Stanley Private Wealth Management extends beyond investment management. We deliver decisive, customized strategies for a small group of ultra high net worth families and institutions.
Private Wealth Management/Family Office Services Website
Click the link below to view our Private Wealth Management website and learn more about our bespoke capabilities.
Click Here to View Our WebsiteLocation
55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 692-2972(212) 692-2972
Meet The BlueStone Wealth Management Group
George S Spiropoulos, CFP®, CIMA®
Managing Director, Wealth Management, Financial Advisor, Global Sports and Entertainment Director, Family Wealth Director, Lending Specialist
Phone:
(212) 692-2835(212) 692-2835
First Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(212) 692-2807(212) 692-2807
Lloyd Goldfarb
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(212) 878-3982(212) 878-3982
Meera Mayer
Executive Director, Private Wealth Management, Private Wealth Advisor, Portfolio Management Director
Phone:
(212) 893-7567(212) 893-7567
Financial Advisor, Alternative Investments Director, Global Sports and Entertainment Associate
Steven Matthews
Senior Vice President, Financial Advisor, Portfolio Manager
Phone:
(973) 467-6359(973) 467-6359
Dann Sokol
First Vice President, Financial Advisor, Portfolio Management Director
Phone:
(858) 613-8194(858) 613-8194
Tania Espinal
Client Service Associate
Phone:
(212) 492-6395(212) 492-6395
Jennifer Rabara
Wealth Management Associate
Phone:
(212) 692-2819(212) 692-2819
Kristina Rodriguez
Vice President, Portfolio Management Associate
Phone:
(212) 692-2903(212) 692-2903
Austin Cremins
Financial Advisor, Financial Planning Specialist, Portfolio Manager
Phone:
(212) 692-2364(212) 692-2364
Brandyn Rowlinson
Wealth Management Analyst
Phone:
(212) 492-6318(212) 492-6318
Donald J. Healy
Senior Vice President, Investment Consultant
Phone:
(212) 492-6919(212) 492-6919
Andy Kelley
Consulting Group Analyst
Phone:
(212) 692-2827(212) 692-2827
Bobby Kelly
Wealth Management Analyst
Phone:
(212) 692-2820(212) 692-2820
Ryan Amberger
Wealth Management Analyst
Phone:
(212) 692-2830(212) 692-2830
Robert Bottoni
Registered Associate
Phone:
(212) 692-2906(212) 692-2906
Christine Zamarra
Portfolio Associate
Phone:
(973) 467-6300(973) 467-6300
Nicole Carner
Portfolio Associate
Phone:
(858) 613-8197(858) 613-8197
Jonathan Farmer
Registered Client Service Associate
Phone:
(617) 478-6506(617) 478-6506
Joe Park
Client Service Associate
Phone:
(212) 692-2872(212) 692-2872
About Dennis Cutrone
FAMILY OFFICE SERVICES
BlueStone Group Senior Partner & Founder
Dennis Cutrone is a Family Wealth Director and has been a Private Wealth
Advisor with Morgan Stanley since 1998. In addition to traditional wealth
management and portfolio management capabilities, Morgan Stanley Family
Wealth Directors have experience in a range of disciplines including estate
planning strategies, traditional and alternative investments, control and
restricted securities, cash management and lending solutions, hedging and
monetization, and business succession planning. Dennis is a founding partner
of the 14-person Bluestone Wealth Management Group at Morgan Stanley
in New York City, overseeing $4.1 billion in assets as of August 2024. He manages the practice for the group dedicated to Family Offices — working with a small number of ultra-high net worth families and institutions.
Dennis has an MBA from the NYU Stern School of Business as well as a
Finance Degree from Pace University in Pleasantville, NY.
BlueStone Group Senior Partner & Founder
Dennis Cutrone is a Family Wealth Director and has been a Private Wealth
Advisor with Morgan Stanley since 1998. In addition to traditional wealth
management and portfolio management capabilities, Morgan Stanley Family
Wealth Directors have experience in a range of disciplines including estate
planning strategies, traditional and alternative investments, control and
restricted securities, cash management and lending solutions, hedging and
monetization, and business succession planning. Dennis is a founding partner
of the 14-person Bluestone Wealth Management Group at Morgan Stanley
in New York City, overseeing $4.1 billion in assets as of August 2024. He manages the practice for the group dedicated to Family Offices — working with a small number of ultra-high net worth families and institutions.
Dennis has an MBA from the NYU Stern School of Business as well as a
Finance Degree from Pace University in Pleasantville, NY.
Securities Agent: DC, WI, OR, ME, LA, AL, NY, CA, WV, OH, CT, TN, SD, GA, WA, PR, NH, MD, ID, TX, AZ, VT, VI, UT, NC, MN, NE, VA, SC, RI, ND, IL, FL, NJ, NV, MI, MA, IN, CO, WY, PA, DE; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278814
NMLS#: 1278814
About George S Spiropoulos
BlueStone Group Senior Partner & Founder
Participant- Morgan Stanley Brokerage Simplification Program (BSP) for employees of PricewaterhouseCoopers
As a CERTIFIED FINANCIAL PLANNER, George focuses on financial planning and asset management for our high-net-worth clients. He works closely with clients, their attorneys, accountants and other advisors to help develop customized wealth management strategies that support a wide variety of disciplines, including cash and investment management, fixed income, access to lending services and insurance. As a Director in Morgan Stanley’s Professional Alliance Group, he has aligned with many centers of influence to provide customized Wealth Management services to high-net-worth clients through Morgan Stanley’s Professional Alliance platform.
George and his wife currently reside in NJ with their three children. He currently serves on the board of trustees for the SUNY College of Optometry and the Morgan Stanley Executive Business Owners Council. George’s interests include travel, cooking and community service.
Participant- Morgan Stanley Brokerage Simplification Program (BSP) for employees of PricewaterhouseCoopers
As a CERTIFIED FINANCIAL PLANNER, George focuses on financial planning and asset management for our high-net-worth clients. He works closely with clients, their attorneys, accountants and other advisors to help develop customized wealth management strategies that support a wide variety of disciplines, including cash and investment management, fixed income, access to lending services and insurance. As a Director in Morgan Stanley’s Professional Alliance Group, he has aligned with many centers of influence to provide customized Wealth Management services to high-net-worth clients through Morgan Stanley’s Professional Alliance platform.
George and his wife currently reside in NJ with their three children. He currently serves on the board of trustees for the SUNY College of Optometry and the Morgan Stanley Executive Business Owners Council. George’s interests include travel, cooking and community service.
Securities Agent: ID, TX, TN, OH, NC, LA, CT, VA, SD, RI, OR, MN, CO, DE, CA, NM, ND, FL, DC, VT, PR, NY, NJ, ME, GA, WY, UT, MO, MD, MA, IL, AZ, WI, VI, SC, NE, WV, WA, PA, NH, AL, NV, MI, IN; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1278967
NMLS#: 1278967
About Raymond A Abbatepaolo
Financial Advisor since 1993
Financial Planning Specialist
Series 7 & 63 Licensed
Insurance Licensed
Financial Planning Specialist
Series 7 & 63 Licensed
Insurance Licensed
Securities Agent: ID, NE, OR, WV, VT, PR, VA, ND, PA, ME, TX, TN, MN, RI, UT, WI, VI, WA, MI, IN, MA, IL, HI, FL, DE, CT, MD, NY, NC, WY, NJ, OH, NH, SC, AZ, CA, NV, AL, CO, GA, DC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279054
NMLS#: 1279054
About Lloyd Goldfarb
Lloyd is a First Vice President with Morgan Stanley and has been a Financial Advisor since 1997. Lloyd has been an active member of The Bluestone Group since 2009. He has a focus on customized portfolios and works with more active traders. Lloyd has a Masters Degree from New York University and Undergraduate Finance Degree from George Washington University, both with Honors.
Securities Agent: WV, VA, TN, NY, CA, UT, SC, RI, MI, TX, OH, MO, GA, PA, OR, MS, ID, CO, WI, WA, DE, DC, NE, NV, NJ, NC, MN, MA, IN, IL, CT, AZ, NH, MD, VI, ND, ME, AL, VT, FL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1264997
NMLS#: 1264997
About Meera Mayer
Meera is an Executive Director and a Private Wealth Advisor. She has extensive investment management experience. Prior to joining Morgan Stanley, Meera worked in JP Morgan’s Ultra High Net Worth Group at the Private Bank where she was a senior banker. Prior to that she was a general partner of Zedd Capital LLC, a managed long/short equity hedge fund. Before founding Zedd Capital in 2002, Meera was a senior portfolio manager and vice president at Goldman Sachs Asset Management where she co-managed large-cap value portfolios for mutual fund, institutional, and high-net-worth clients. Meera began her career in investment research and management at Oppenheimer and Company in 1990. In 1995, Meera joined Key Asset Management (Spears, Benzak, Salomon and Farrell) as a portfolio manager and managing director. She was a member of the investment strategy and policy group.
Meera holds a BA in English and History and a MA in English Literature from Guru Nanak Dev University in India. She has an MBA in Finance from Columbia University Graduate School of Business. She serves as a board member of the Chazen Institute at Columbia. She is active with various other non-profits in NYC.
CRC# 3638846 06/2021
Meera holds a BA in English and History and a MA in English Literature from Guru Nanak Dev University in India. She has an MBA in Finance from Columbia University Graduate School of Business. She serves as a board member of the Chazen Institute at Columbia. She is active with various other non-profits in NYC.
CRC# 3638846 06/2021
Securities Agent: NH, UT, VI, TX, OH, ME, DE, CO, WV, WI, OR, NY, NJ, MN, PA, ID, CT, NV, DC, SC, PR, ND, NC, WA, VT, TN, RI, MI, MA, AZ, AL, NE, WY, MD, IN, IL, HI, FL, VA, GA, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1121470
NMLS#: 1121470
About David Birnbaum
David Birnbaum, CFP®, QPFC is a Financial Advisor, Alternative Investments Director, Global Sports and Entertainment Associate with The BlueStone Wealth Management Group at Morgan Stanley. David has over 20 years of experience in finance that spans cash management & lending solutions, wealth management and insurance. David originally joined Morgan Stanley in 2010 as a Lending Advisor with the Private Bank, focused on managing the robust liquidity needs for many of Morgan Stanley’s largest High Net Worth families, business owners, C-level executive and non-profit organizations. David transitioned to the BlueStone Group at Morgan Stanley in 2019 to provide bespoke wealth planning solutions to HNW clients focused on business succession planning, estate planning strategies and wealth transfer.
David holds an MBA from Long Island University and a B.S. from the University at Albany. He lives in Long Island with his wife, Jaclyn and three children.
NMLS#: 1886427
David holds an MBA from Long Island University and a B.S. from the University at Albany. He lives in Long Island with his wife, Jaclyn and three children.
NMLS#: 1886427
Securities Agent: MO, OR, WV, WA, PA, NV, MI, WI, IN, SC, PR, NY, NH, NE, NC, UT, RI, OH, ME, ID, DC, TX, MA, FL, CO, CA, AZ, MN, MD, IL, HI, CT, VA, SD, NJ, GA, VT, TN, NM, ND, DE, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1886427
NMLS#: 1886427
About Steven Matthews
With over thirty years of experience as a Financial Advisor, Steve has developed a successful business and extensive experience in working with individuals and families. He listens carefully to clients’ concerns and needs, and works attentively with them to develop a full financial plan with the goals of enhancing their wealth and maintaining a quality lifestyle. Steve takes pride in developing effective personal and professional relationships with each of his clients by offering a personalized approach to investing. Steve focuses primarily on Retirement Planning and IRA Rollovers.
He earned a Bachelor of Science degree in Management and Marketing from the McIntire School of Commerce at the University of Virginia. Steve has two grown children and resides in Madison, NJ with his wife. Away from the office, he enjoys playing golf and skiing.
Licenses: Series 7 - General Securities Representative; Series 31 - Managed Futures; Licensed in Insurance and Annuities.
He earned a Bachelor of Science degree in Management and Marketing from the McIntire School of Commerce at the University of Virginia. Steve has two grown children and resides in Madison, NJ with his wife. Away from the office, he enjoys playing golf and skiing.
Licenses: Series 7 - General Securities Representative; Series 31 - Managed Futures; Licensed in Insurance and Annuities.
Securities Agent: CA, AL, WI, VT, PA, NV, ND, NC, CT, FL, VA, DC, NY, NE, IN, CO, WA, TN, OR, NH, NJ, MD, GA, AZ, MI, DE, UT, MN, TX, SC, OH, ME, MA, IL, ID, RI; General Securities Representative; Investment Advisor Representative
NMLS#: 1482055
NMLS#: 1482055
About Dann Sokol
Dann has been an investment advisor with Morgan Stanley and its predecessor firm for over thirty years. Before joining Morgan Stanley he was a Vice President at E. F. Hutton for 8 years and prior to that worked on Wall Street for the venerable specialist firm of Conklin and Cahill.
Dann earned his Bachelor of Science degree at the University of Miami, graduating Summa Cum Laude, majoring in Finance with a minor in Economics. He lives in Rancho Santa Fe, CA but spends a fair amount of time on the NJ shore which he considers his second home. When he is not in the office he enjoys golfing, skiing, exercising and supporting local charitable causes.
Dann is a Registered Investment Advisory Agent. He has his Series 7 General Securities license, as well as a Series 65 and Series 63. He is licensed in Insurance and Annuities.
Dann earned his Bachelor of Science degree at the University of Miami, graduating Summa Cum Laude, majoring in Finance with a minor in Economics. He lives in Rancho Santa Fe, CA but spends a fair amount of time on the NJ shore which he considers his second home. When he is not in the office he enjoys golfing, skiing, exercising and supporting local charitable causes.
Dann is a Registered Investment Advisory Agent. He has his Series 7 General Securities license, as well as a Series 65 and Series 63. He is licensed in Insurance and Annuities.
Securities Agent: ME, AZ, TN, NJ, MN, GA, DC, OR, CT, AL, ID, WI, VT, UT, TX, NE, FL, VA, OH, NV, NH, MI, MD, SC, PA, IN, DE, CA, WA, RI, NY, NC, IL, CO, ND, MA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1482062
NMLS#: 1482062
About Tania Espinal
Tania Espinal is a member of the Family Office practice within the Bluestone Wealth Management Group. She focuses on assisting both Financial Advisors and ultra-high net worth clients with operational, administrative and general support for the team. Tania is fluent in Spanish and helps cover international clients.
Her career in the financial services industry began in 2007, and she joined Morgan Stanley in 2015 as a Client Service Associate. Prior to joining the firm, Tania held roles in operations at several major retail banks. She graduated from Baruch College with a Bachelor of Science in Operations Management and a minor in Spanish. Tania resides in Manhattan, NY with her family.
Her career in the financial services industry began in 2007, and she joined Morgan Stanley in 2015 as a Client Service Associate. Prior to joining the firm, Tania held roles in operations at several major retail banks. She graduated from Baruch College with a Bachelor of Science in Operations Management and a minor in Spanish. Tania resides in Manhattan, NY with her family.
About Jennifer Rabara
Jennifer Rabara is a Wealth Management Associate who has been with the BlueStone Wealth Management Group since 2010. Through a combination of marketing methods, client-management skills, market and product knowledge, Jennifer partners with team members to address the specific needs and service issues of high net worth clients in order to cultivate existing client relationships.
Jennifer received a BA in Psychology from the University at Albany.
Jennifer received a BA in Psychology from the University at Albany.
About Kristina Rodriguez
Kristina Rodriguez joined The Bluestone Group at Morgan Stanley in 2006. She works within the group’s Family Office services practice - supporting a small number of ultra-high net worth families and institutions. Kristina administers the trading of client Portfolio Management accounts in addition to administrative support - including lending, lifestyle advisory solutions and general client assistance.
Kristina attained a BS from Long Island University/ C.W. Post
Kristina attained a BS from Long Island University/ C.W. Post
About Austin Cremins
As a Financial Advisor Austin delivers a customized service of Financial Planning and Wealth Strategies as well as assisting the BlueStone team with the development and implementation of their client service model. Austin was previously a Portfolio Management Associate for the team trading and monitoring the discretionary models as well as fixed income, equity and alternative investments. He brings over 6 years of fixed income experience previously developing active management SMA strategies for Financial Advisors.
Prior to Morgan Stanley Austin began his career at Societe Generale, advising clients on raising capital within the US Private Placements market. Austin graduated with a B.S. in Finance from Western Kentucky University.
Prior to Morgan Stanley Austin began his career at Societe Generale, advising clients on raising capital within the US Private Placements market. Austin graduated with a B.S. in Finance from Western Kentucky University.
About Brandyn Rowlinson
Brandyn Rowlinson is a Financial Planning Analyst with The Bluestone Group at Morgan Stanley. Brandyn focuses on the nuances of wealth planning and liquidity event planning, specifically with founders and business owners regarding Qualified Small Business Stock, Estate Planning strategies, and private/public exits. Prior to joining the firm, he worked for a family office that focused on business planning and wealth transfer for ultra-high net worth clients. He also worked in public accounting, providing tax services for institutional clients within the alternative investments industry. Brandyn graduated from Southern Connecticut State University and obtained his Masters in Accounting from Liberty University, and is a Certified Public Accountant (Not-practicing at Morgan Stanley) and CERTIFIED FINANCIAL PLANNER® in the state of New York.
* This role cannot solicit or provide investment advice
* This role cannot solicit or provide investment advice
About Donald J. Healy
Don Healy is a Senior Vice President and the Investment Consultant for the Bluestone Group at Morgan Stanley. Don brings extensive capital markets and trading experience to the Bluestone Group. Don began his career in Morgan Stanley’s Institutional Equity Division in 1989, becoming a Managing Director before leaving the firm in 2005. During that time, he traded equities, derivatives, and convertible bonds in both New York and London. From 2005 to 2015, Don served as a Managing Director at Deutsche Bank as a risk manager, led a proprietary trading team, and also created a middle market coverage team servicing over 300 institutional relationships.
Don graduated from the Delbarton School in Morristown, NJ, before getting his BS from the Wharton School at the University of Pennsylvania.
NMLS #1615193
Don graduated from the Delbarton School in Morristown, NJ, before getting his BS from the Wharton School at the University of Pennsylvania.
NMLS #1615193
About Andy Kelley
Andy Kelley is a Consulting Group Analyst within the BlueStone Wealth Management Group at Morgan Stanley. Andy focuses on the construction, trading, and monitoring of the discretionary models used by BlueStone for their client portfolios. Prior to Morgan Stanley, Andy worked as an associate at a Registered Investment Advisor where he assisted the financial advisors with research, trading, and reporting for clients. Andy graduated from Gettysburg College with a BA in Economics.
About Bobby Kelly
Bobby Kelly is a Wealth Management Analyst within the BlueStone Wealth Management Group at Morgan Stanley. Bobby focuses on the implementation of wealth planning, as well as the development and execution of the BlueStone Wealth Management client service model. Prior to joining the firm, Bobby worked for Royal Bank of Canada and was a member of the Capital Markets audit team. He was responsible for the performance of audit field work that included the evaluation of internal controls, operating procedures, and ensuring adherence to regulatory policies. Bobby graduated with a B.S. in Business Management and an MBA in Finance from Molloy College.
About Ryan Amberger
Ryan Amberger
Wealth Management Analyst
Ryan Amberger is a member within the BlueStone Group at Morgan Stanley Private Wealth Management. Ryan concentrates his efforts on assisting clients with customized reporting and modeling. In addition, he supports the team’s alternative investment solutions. Prior to joining Morgan Stanley, Ryan worked as an Equity Research Associate for the Royal Bank of Canada and Seaport Global Securities, where he focused on financial modeling and analysis. Ryan graduated with a BA in Finance from Villanova University.
Wealth Management Analyst
Ryan Amberger is a member within the BlueStone Group at Morgan Stanley Private Wealth Management. Ryan concentrates his efforts on assisting clients with customized reporting and modeling. In addition, he supports the team’s alternative investment solutions. Prior to joining Morgan Stanley, Ryan worked as an Equity Research Associate for the Royal Bank of Canada and Seaport Global Securities, where he focused on financial modeling and analysis. Ryan graduated with a BA in Finance from Villanova University.
About Robert Bottoni
Robert Bottoni is a member of the Bluestone Wealth Management Group at Morgan Stanley. He joined the team in 2023 as a Registered Associate. Robert concentrates his efforts on assisting ultra-high net worth families and institutions with customized performance reporting, processing equity and fixed income trades, supporting the team’s alternative investment solutions, and assisting with client onboarding and account maintenances.
Prior to joining the team, he worked for a Wealth Management firm in Long Island, NY where he was a Financial Advisor dealing with high-net-worth individuals. Robert graduated in 2020 with a BA in Economics at Hobart & William Smith Colleges.
Prior to joining the team, he worked for a Wealth Management firm in Long Island, NY where he was a Financial Advisor dealing with high-net-worth individuals. Robert graduated in 2020 with a BA in Economics at Hobart & William Smith Colleges.
About Christine Zamarra
Christine is in her 28th year in the financial services industry. Christine is series 7, 66 and 31 licensed and helps facilitate all client services and communications. Away from the office she enjoys sports as well as volunteering in her community.
About Nicole Carner
Nicole Carner began working in the financial industry with UBS as a Client Service Associate in 1999 where she obtained her FINRA Series 7 and 66 licenses.
She joined Morgan Stanley as a Client Service Associate in 2005 and later obtained the designation of Portfolio Associate. Nicole is committed to providing a high level of customer service. She significantly contributes to building client relationships by focusing on effective communication, consistency and maintaining a positive attitude.
Nicole is born and raised in Southern California. She is currently raising two daughters. In her free time she enjoys spending time with her family, reading and participating in local charitable efforts.
She joined Morgan Stanley as a Client Service Associate in 2005 and later obtained the designation of Portfolio Associate. Nicole is committed to providing a high level of customer service. She significantly contributes to building client relationships by focusing on effective communication, consistency and maintaining a positive attitude.
Nicole is born and raised in Southern California. She is currently raising two daughters. In her free time she enjoys spending time with her family, reading and participating in local charitable efforts.
About Jonathan Farmer
Jonathan Farmer is a Registered Client Service Associate with the BlueStone Wealth Management Group at Morgan Stanley. Starting at Morgan Stanley in Boston in 2022, he is committed to identifying service solutions that deepen client relationships. He values building relationships with clients while providing them with the tools and support they need throughout their financial journeys.
Jonathan is a New England native and attended Roger Williams University in Bristol, Rhode Island, where he earned both his Bachelor’s degree and Master’s degree of Business Administration. In his free time, he enjoys watching Boston sports, exercising, and exploring the city.
Jonathan is a New England native and attended Roger Williams University in Bristol, Rhode Island, where he earned both his Bachelor’s degree and Master’s degree of Business Administration. In his free time, he enjoys watching Boston sports, exercising, and exploring the city.
About Joe Park
Joe Park is a Client Service Associate within the BlueStone Wealth Management Group at Morgan Stanley. Joe focuses on assisting clients through the execution of the team’s client service model and supporting the team’s portfolio reporting & analysis. Prior to joining the team, Joe completed his education at Hamilton College where he received a BA in Economics.
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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
George S Spiropoulos, CFP®, CIMA®
Managing Director, Wealth Management, Financial Advisor, Global Sports and Entertainment Director, Family Wealth Director, Lending Specialist
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
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Working closely with you to guide your wealth and investments through the most challenging market cycles.
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Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The BlueStone Wealth Management 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
3Alternative 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.
4Morgan 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.
5Morgan 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.
6Morgan 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
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.
9An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
10Morgan 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.
11Morgan 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.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
15When 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.
16Morgan 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.
17When 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.
18When 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.
19Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
3Alternative 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.
4Morgan 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.
5Morgan 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.
6Morgan 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
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.
9An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
10Morgan 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.
11Morgan 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.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
15When 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.
16Morgan 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.
17When 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.
18When 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.
19Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards 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), 3582895 (6/2024)
