Jason Traino, CFP®, CLU®, CRPS®
Managing Director, Wealth Management, Financial Advisor, Corporate Retirement Director, Senior Portfolio Manager
Phone:
(978) 739-3918(978) 739-3918
The TSF Group at Morgan Stanley
Direct:
(978) 739-3918(978) 739-3918
Toll-Free:
(800) 343-1291(800) 343-1291
Industry Award WinnerOur Mission Statement
There are two kinds of people out there. Those that plan by “design” and those by “default”. As Certified Financial Planners, we strive to ensure every client plans their financial life by “design”.
How We Work With Our Wealth Management Clients
As Certified Financial Planners our group focuses on providing comprehensive wealth management and financial planning services to a select group of clients based in both New England and across the country. We take a holistic approach to our planning process by incorporating all aspects of your financial life to truly understand the best way to make your assets work for you.
Our four step wealth management process begins with a detailed discussion of your overall financial picture, including your current and future financial goals and objectives. We focus on what is important to you; achieving a confident retirement lifestyle, planning for your children’s college education, ensuring that your estate plan is in line with your goals, providing for your significant other in the event of death, disability or long term care needs, managing the liability side of your balance sheet, or reviewing your current investments and recommending an appropriate asset allocation. We believe that this conversation is the foundation for understanding our clients’ desires and developing a plan that is tailored to their needs.
Taking our initial conversation into consideration, we will work with you to develop a written plan that is designed to help meet your short and long term financial goals. We will provide you with specific investment and planning recommendations to demonstrate the value we can add to your situation.
On a regular basis we will work with you to review your investment performance and make necessary adjustments to your financial plan. We recognize that your life is a moving picture and that your financial plan should be revisited to reflect any changes that may occur.
Our four step wealth management process begins with a detailed discussion of your overall financial picture, including your current and future financial goals and objectives. We focus on what is important to you; achieving a confident retirement lifestyle, planning for your children’s college education, ensuring that your estate plan is in line with your goals, providing for your significant other in the event of death, disability or long term care needs, managing the liability side of your balance sheet, or reviewing your current investments and recommending an appropriate asset allocation. We believe that this conversation is the foundation for understanding our clients’ desires and developing a plan that is tailored to their needs.
Taking our initial conversation into consideration, we will work with you to develop a written plan that is designed to help meet your short and long term financial goals. We will provide you with specific investment and planning recommendations to demonstrate the value we can add to your situation.
On a regular basis we will work with you to review your investment performance and make necessary adjustments to your financial plan. We recognize that your life is a moving picture and that your financial plan should be revisited to reflect any changes that may occur.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Four-Step Process
Our wealth management approach focuses on you, your family and your career – where you are today and where you want to go. Working together, we develop the strategies to help get you there, navigating life’s challenges and helping you make more informed decisions about your wealth.
Initial Consultation:
Our relationship begins by gaining a complete understanding of your lifestyle, family, and financial goals for the future. We work together with you to perform a detailed assessment of all of your potential financial needs. This includes but is not limited to; retirement planning, education funding for children and grandchildren, estate planning, tax planning/tax efficient investing, insurance needs, equity compensation strategies around stock options and RSU’s, managing the liability side of your balance sheet, philanthropic planning, and asset management. Life is a moving picture that is constantly changing for our client’s. In our initial consultation we are simply taking a snapshot in time of where you are at today in your life. Along the way we will continuously take these snapshots as life changes, allowing us to help you plan by “design” and not “default”.
Financial Plan & Recommendations:
Following phase one, our team will devise a written personalized wealth management plan that matches with your family’s goals. This plan will be highly customizable and will directly reflect your current and future objectives. Our goal is to create a plan where you feel confident and have a full understanding of your assets, liabilities, and spending needs. We use some of the industry’s most sophisticated software when devising our client’s plans, which will include specific recommendations on how to improve all aspects of your family’s finances. We continuously work to ensure your asset allocation and wealth management plan are tax efficient and align with the goals you have established for your family.
Agreement & Implementation:
Our team will help you fully implement your customized financial plan. Based on your family’s required rate of return and input, this will drive an appropriate asset allocation and investment strategy. In all phases of your plan, we will have a list of “To Do’s” that we will work towards completing on your timeline. Every plan we run is customized, so every family’s “To Do” list is a little different. However, many are similar. Some examples include; updating wills and trusts, doing a full insurance review to save premiums, strategies to reduce taxes, implementing an equity compensation strategy to mitigate risk and taxes, setting up college accounts for children and grandchildren, protecting assets from liability etc. etc. etc. There is generally very little that we can’t help our clients with. We will also collaboratively work with your attorney and tax advisor to implement your plan in the most effective manner.
Ongoing Service
We will have periodic review meetings to revisit your goals and rebalance your portfolio throughout the year to keep the plan in line with stated objectives. We believe that goals and needs are constantly evolving as are the financial markets, tax and estate laws, and many other external factors. During our review meetings, we will update your complete financial plan and review how we are tracking towards your stated goals. This important process helps to ensure that your wealth management plan remains consistent with your current and future objectives.
Estate Planning Strategies
It’s difficult enough to lose a loved one, but leaving your family with an improper or unplanned Estate can leave many issues and cause undue stress for beneficiaries. Therefore, we strive to make your Estate Planning as seamless as possible. We provide access to a broad range of services needed to create an enduring legacy that passes along your values as well as your assets in a tax efficient manner. By collaborating with tax and legal specialists, we can help ensure that your will and trust are functioning the way that works best for your family. In addition, we can match your estate plan with your investments so that they are all synchronized and working appropriately.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
Estate Planning ServicesMorgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
Corporate Executive Services
One of the many areas our team focuses on is corporate executive services. We have many clients where a large piece of their net worth is tied up in the equity of their company. They are looking for a plan that takes into account their equity and coordinates it with their other assets and liabilities. We have experience in corporate and stock plan services and the firm is an industry leader in 10b5-1 trading programs, dealing with restricted stock and Rule 144 transactions, and stock option planning. We also have the capabilities to engage in pre-IPO planning around tax and estate management for privately held companies. These are examples of some complexities a corporate executive can face around their equity compensation. Through our experience and disciplined process, we can help you navigate through this intricate environment and make it simple to understand as it relates to your financial plan.
Corporate Executive Services
Liability Management
Our team believes it is important to gain a thorough understanding of all the moving parts within your financial life. This includes your current and future liabilities. We often find that many families do in fact have liability management needs, but do not have a specific plan for managing them.
Lending CapabilitiesKeeping you informed with the latest insights and research Morgan Stanley has to offer.
Upcoming Virtual Events
Past Virtual Events
August 2025 | Estate Planning Overview: Caregiver Considerations
This session is specifically designed for the "Sandwich Generation". As individuals balancing the dual responsibilities of caring for aging parents and supporting their own children, effective estate planning is crucial. This webcast will provide valuable strategies to manage these unique challenges, ensuring financial security and peace of mind for you and your loved ones.
July 2025 | Exclusive Event: Global Tensions & Washington Moves
Join Morgan Stanley Wealth Management's Chief Economic Strategist Ellen Zentner in a conversation with Morgan Stanley Wealth Management's Head of U.S. Policy Monica Guerra & Morgan Stanley's Global Head of Government Relations Michael J. Stein, as they discuss:
- Updates on US Trade and Immigration policy
- The One Big Beautiful Bill Act and its potential implications
- Key developments to monitor over the next 30, 60, and 90 days
July 2025 | Health is Wealth: Cultivating Healthy Habits for Longevity and Prosperity
Dr. Kim Henderson, Head of Wealth Management Health & Wellness Education, will provide valuable insights into managing healthcare effectively, emphasizing the importance of investing in preventative care and cultivating healthy habits.
June 2025 | The Rise of the Humanoid Economy
Join Wealth Management's Global Head of Thematic & Macro Investing Ellen Zentner for a fireside chat with Morgan Stanley's Head of Global Autos and Shared Mobility Research Adam Jonas for a conversation on the rapid transition of artificial intelligence into the physical world.
Retirement Plan Consulting
The TSF Group at Morgan Stanley also focuses on consulting with businesses and institutions for their employer-sponsored retirement plan needs. Whether you are evaluating alternative service providers or trying to take your existing plan and simply make it better, we assist you in assessing, analyzing and addressing the specific needs of your plan to help maximize its value to your employees and organization.
We consult for over 80 different retirement plan clients where there are typically 6 key areas of focus:
- Help in improving participation rates & preparing employees for retirement
- Ongoing support in understanding, managing and in many cases shifting fiduciary responsibility
- Knowledge and experience in selecting and ongoing monitoring of plan investments
- Guidance in evaluating and choosing a record keeper/provider
- Help in understanding plan fees and expenses
- Help in analyzing and maximizing plan design
For most of our clients, the 401k plan is only 1 of the many day to day responsibilities they have in their HR and Finance functions. With the ever changing retirement plan landscape, our goal is to simplify and tighten up this part of your business.
Location
35 Village Rd
Ste 601
Middleton, MA 01949
US
Direct:
(978) 739-3918(978) 739-3918
Toll-Free:
(800) 343-1291(800) 343-1291
Meet The TSF Group
Mike Scott, CFP®, CLU®, CRPS®
Managing Director, Wealth Management, Financial Advisor, Corporate Retirement Director, Senior Portfolio Manager
Phone:
(978) 739-3916(978) 739-3916
Jacob Fudge, QPFC
Financial Advisor, Portfolio Manager, Financial Planning Specialist
Phone:
(978) 739-3942(978) 739-3942
Ian O'Brien, QPFC
Assistant Vice President, Business Development Director
Phone:
(978) 739-3941(978) 739-3941
Emily Garland
Assistant Vice President, Group Director
Phone:
(978) 739-9638(978) 739-9638
Michele Vincent
Wealth Management Associate
Phone:
(978) 739-3929(978) 739-3929
Maura Lewis
Portfolio Associate
Phone:
(978) 739-3936(978) 739-3936
Timothy Hoffman, CFP®, CRPC®
Wealth Management Associate
Phone:
(978) 739-9629(978) 739-9629
James Henry
Registered Client Service Associate
Phone:
(978) 739-3986(978) 739-3986
Lindsay Porter
Registered Client Service Associate
Phone:
(978) 739-3961(978) 739-3961
About Jason Traino
Jason Traino, CFP®, CLU®, CRPS®
Jason is a Managing Director, Corporate Retirement Director and Financial Advisor with the TSF Group at Morgan Stanley. With over 25 years of experience, he focuses on providing comprehensive financial planning and total asset & liability management to a select group of high-net-worth individuals, families, corporate executives, business entrepreneurs and institutional clients.
Outside the firm, he frequently appears on lists of the top advisors in the country. In 2023 and 2024 Jason and his Team were named to Forbes America’s Top Wealth Management Teams. From 2018-2023, Jason was named to Forbes Magazine’s list of America’s Best –in –State Wealth Advisors*. In 2022-2023, he was named to Barron’s Top 1200 U.S Financial Advisors*. Jason was also named to the Financial Times list of Top 401k Retirement Advisors*, a distinction given to the top 401k plan advisors across the broker-dealer and RIA channels. Within Morgan Stanley, Jason has earned the title of a Corporate Retirement Director, a designation given to approximately 180 out of 15,000 firm –wide advisors specializing in the retirement plan market and the designation of Workplace Advisor –Equity Compensation for his work with corporate stock and 10b5-1 plans.
(*See honors section for awards disclosures.)
Prior to joining Morgan Stanley and its predecessors in 2008, Jason was a top Wealth Management Advisor at UBS & Merrill Lynch for 11 years. Continually refining his skills and deepening his knowledge base, Jason is a Certified Financial Planner™, Chartered Life Underwriter®, & Chartered Retirement Plans Specialist®. He received his CFP® designation from Merrimack College. Jason utilizes this deep knowledge and experience to deliver comprehensive solutions to both his Wealth Management and Institutional 401k clients.
A graduate of Springfield College, Jason coaches other Morgan Stanley Financial Advisors on how to run a successful wealth management practice. Jason is also a former co-chair of Morgan Stanley’s Consulting Group Advisory Board. In this regard, Jason advises and consults on this business line that manages over $1.5 trillion in client assets across the firm.
Jason, his wife Marissa, their son Niklas, and daughter Keeley, reside in North Reading, MA. He enjoys coaching all his kids sports teams (soccer, basketball, baseball, flag football) and volunteers his time on the North Reading Youth Basketball Board. In addition, he enjoys exercising, playing basketball on Sunday mornings and golfing.
2018-2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2023) Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2022 & 2023) Data compiled by Barron's based on time period from Sept 2020-2022.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
2012-2022 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2022) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Jason is a Managing Director, Corporate Retirement Director and Financial Advisor with the TSF Group at Morgan Stanley. With over 25 years of experience, he focuses on providing comprehensive financial planning and total asset & liability management to a select group of high-net-worth individuals, families, corporate executives, business entrepreneurs and institutional clients.
Outside the firm, he frequently appears on lists of the top advisors in the country. In 2023 and 2024 Jason and his Team were named to Forbes America’s Top Wealth Management Teams. From 2018-2023, Jason was named to Forbes Magazine’s list of America’s Best –in –State Wealth Advisors*. In 2022-2023, he was named to Barron’s Top 1200 U.S Financial Advisors*. Jason was also named to the Financial Times list of Top 401k Retirement Advisors*, a distinction given to the top 401k plan advisors across the broker-dealer and RIA channels. Within Morgan Stanley, Jason has earned the title of a Corporate Retirement Director, a designation given to approximately 180 out of 15,000 firm –wide advisors specializing in the retirement plan market and the designation of Workplace Advisor –Equity Compensation for his work with corporate stock and 10b5-1 plans.
(*See honors section for awards disclosures.)
Prior to joining Morgan Stanley and its predecessors in 2008, Jason was a top Wealth Management Advisor at UBS & Merrill Lynch for 11 years. Continually refining his skills and deepening his knowledge base, Jason is a Certified Financial Planner™, Chartered Life Underwriter®, & Chartered Retirement Plans Specialist®. He received his CFP® designation from Merrimack College. Jason utilizes this deep knowledge and experience to deliver comprehensive solutions to both his Wealth Management and Institutional 401k clients.
A graduate of Springfield College, Jason coaches other Morgan Stanley Financial Advisors on how to run a successful wealth management practice. Jason is also a former co-chair of Morgan Stanley’s Consulting Group Advisory Board. In this regard, Jason advises and consults on this business line that manages over $1.5 trillion in client assets across the firm.
Jason, his wife Marissa, their son Niklas, and daughter Keeley, reside in North Reading, MA. He enjoys coaching all his kids sports teams (soccer, basketball, baseball, flag football) and volunteers his time on the North Reading Youth Basketball Board. In addition, he enjoys exercising, playing basketball on Sunday mornings and golfing.
2018-2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2023) Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2022 & 2023) Data compiled by Barron's based on time period from Sept 2020-2022.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
2012-2022 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2022) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Securities Agent: NM, NV, NY, OH, OR, PA, PR, RI, SC, TN, TX, UT, VA, WY, WA, VT, AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, IL, IN, KS, KY, MA, MD, ME, MI, MN, NC, NH, NJ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 900143
NMLS#: 900143
About Mike Scott
Mike G. Scott, CFP®, CLU®, CRPS®
Mike G. Scott is a Managing Director, Corporate Retirement Director, Senior Portfolio Management Director, and Financial Advisor with The TSF Group at Morgan Stanley. With 30 years of experience, Mike focuses on portfolio management and total holistic wealth management planning for corporate clients and high net worth individuals and their families.
Within Morgan Stanley, Mike has earned the title of Corporate Retirement Director a designation given to less than 2% of Morgan Stanley Financial Advisors as of December 2023. He has also attained the chartered retirement plan specialist® certification and works closely with corporate clients to consult and implement employer retirement plans. Finally, within Morgan Stanley, Mike has also earned the designation of a Workplace Advisor – Equity Compensation for his work with corporate stock and 10b5-1 plans.
As a Senior Portfolio Management Director, Mike strives to identify, construct, and manage investment portfolios in accordance to client needs and objectives. He also holds the title of Certified Financial Planner™, which allows Mike to create financial plans based on client goals. He feels that investment recommendations are better aligned after you get to know your client. Additionally, Mike holds the designation of Chartered Life Underwriter®, and can help clients with questions surrounding life insurance and long-term-care insurance.
In his free time Mike enjoys spending time with his family skiing and going to his son’s hockey games. An avid sports fan, he enjoys skiing, hockey, and golf.
2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022 Five Star Wealth Manager Award
Source: fivestarprofessional.com (2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
2016, 2017, 2019 Financial Times 401 Top Retirement Advisors
Source: ft.com. Data compiled by the Financial Times based the following time periods: Awarded 2019; data 12/31/15 - 12/31/18, Awarded 2017; data 12/31/14 - 12/31/16, Awarded 2016; data 12/31/13 - 12/31/15
Mike G. Scott is a Managing Director, Corporate Retirement Director, Senior Portfolio Management Director, and Financial Advisor with The TSF Group at Morgan Stanley. With 30 years of experience, Mike focuses on portfolio management and total holistic wealth management planning for corporate clients and high net worth individuals and their families.
Within Morgan Stanley, Mike has earned the title of Corporate Retirement Director a designation given to less than 2% of Morgan Stanley Financial Advisors as of December 2023. He has also attained the chartered retirement plan specialist® certification and works closely with corporate clients to consult and implement employer retirement plans. Finally, within Morgan Stanley, Mike has also earned the designation of a Workplace Advisor – Equity Compensation for his work with corporate stock and 10b5-1 plans.
As a Senior Portfolio Management Director, Mike strives to identify, construct, and manage investment portfolios in accordance to client needs and objectives. He also holds the title of Certified Financial Planner™, which allows Mike to create financial plans based on client goals. He feels that investment recommendations are better aligned after you get to know your client. Additionally, Mike holds the designation of Chartered Life Underwriter®, and can help clients with questions surrounding life insurance and long-term-care insurance.
In his free time Mike enjoys spending time with his family skiing and going to his son’s hockey games. An avid sports fan, he enjoys skiing, hockey, and golf.
2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022 Five Star Wealth Manager Award
Source: fivestarprofessional.com (2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
2016, 2017, 2019 Financial Times 401 Top Retirement Advisors
Source: ft.com. Data compiled by the Financial Times based the following time periods: Awarded 2019; data 12/31/15 - 12/31/18, Awarded 2017; data 12/31/14 - 12/31/16, Awarded 2016; data 12/31/13 - 12/31/15
Securities Agent: NC, NY, PR, WY, OR, RI, OK, DC, NH, MA, OH, MS, MO, MI, SC, DE, WV, WA, VA, VT, UT, KS, PA, IL, IN, HI, LA, TN, CT, GA, TX, MD, ME, NJ, NM, NV, IA, FL, KY, AL, AZ, CO, CA, MN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255347
NMLS#: 1255347
About Jacob Fudge
Jacob M. Fudge, QPFC
Jacob M. Fudge is a Financial Advisor with The TSF Group at Morgan Stanley. Jacob has been a member of The TSF Group since 2018. He focuses on developing personalized financial plans and providing comprehensive wealth management services to high-net-worth individuals. He guides clients through a multi-step wealth management process designed to provide clarity, making clients feeling more confident in achieving their goals. Through this process, Jacob can thoroughly understand his clients and identify appropriate asset allocations and construct and manage investment portfolios according to client goals, objectives and aspirations. His dedication to clients has earned him the designations of Financial Planning Specialist, Portfolio Manager and Workplace Advisor - Equity Compensation.
Jacob holds his Series 66, Series 7 and Health and Life Insurance licenses.
A graduate of Bridgewater State University, Jacob received his Bachelor's degree in Business and Finance. Jacob was active at the University; he was a member of the Men’s Lacrosse team and served as the team captain his senior year. He was also a member of the Accounting and Finance Club as well as a founding member of an Investing Club on campus.
Outside of the office Jacob enjoys golfing, skiing and tennis. He enjoys golf most of all and is a member of The Fliers Club, a golf and travel organization. Jacob lives in Burlington, MA with his wife, Brooke and their dog, Oakley.
Jacob M. Fudge is a Financial Advisor with The TSF Group at Morgan Stanley. Jacob has been a member of The TSF Group since 2018. He focuses on developing personalized financial plans and providing comprehensive wealth management services to high-net-worth individuals. He guides clients through a multi-step wealth management process designed to provide clarity, making clients feeling more confident in achieving their goals. Through this process, Jacob can thoroughly understand his clients and identify appropriate asset allocations and construct and manage investment portfolios according to client goals, objectives and aspirations. His dedication to clients has earned him the designations of Financial Planning Specialist, Portfolio Manager and Workplace Advisor - Equity Compensation.
Jacob holds his Series 66, Series 7 and Health and Life Insurance licenses.
A graduate of Bridgewater State University, Jacob received his Bachelor's degree in Business and Finance. Jacob was active at the University; he was a member of the Men’s Lacrosse team and served as the team captain his senior year. He was also a member of the Accounting and Finance Club as well as a founding member of an Investing Club on campus.
Outside of the office Jacob enjoys golfing, skiing and tennis. He enjoys golf most of all and is a member of The Fliers Club, a golf and travel organization. Jacob lives in Burlington, MA with his wife, Brooke and their dog, Oakley.
Securities Agent: KY, TN, NJ, MD, NH, CO, AL, RI, MS, IA, UT, MO, DE, CA, PR, NM, IN, HI, FL, DC, TX, OH, NV, NC, IL, GA, ME, AZ, VT, PA, OR, MA, WI, MN, WY, WV, OK, NY, CT, VA, SC, MI, LA, KS, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 1750453
NMLS#: 1750453
About Ian O'Brien
Ian O’Brien, QPFC® - Group Director
Ian O’Brien is The Group Director for The TSF Group at Morgan Stanley. Ian has been a member of The TSF Group since June of 2016. He concentrates on portfolio construction, fund analysis and ensuring all the team’s clients receive the highest degree of service. He primarily focuses on providing the highest degree of service to the team’s corporate 401(k) clients. Ian helps Plan Sponsors manage their 401(k) plans by assisting with fiduciary responsibility, analyzing funds in the plan, benchmarking plan fees for reasonableness, consulting on plan design, providing employee education and help selecting a 401(k) recordkeeper. Ian also regularly meets with participants of the team’s 401(k) plans to ensure they utilizing the 401(k) plan in a meaningful way. Ian holds the Qualified Plan Fiduciary Consultant (QPFC®) designation, which provides a strong understanding of how to effectively evaluate, design, implement and manage employer-sponsored retirement plans.
A graduate of the College of the Holy Cross with a Bachelor’s degree in Economics, Ian began his career in the financial services industry as an Investment Analyst with a 401(k) Defined Contribution consulting firm. Joining The TSF Group in 2016, Ian completed his Series 63, 65, 7, and Health and Life Insurance licenses shortly after coming to the firm.
In his free time, Ian plays ice hockey every week and watches as much Boston sports as he can. Relishing every opportunity to get outside including golfing, snowboarding and hiking, but he enjoys the beach most of all. Ian lives in Lynn, MA with his wife, Clare, their newborn Seamus and their dog Cricket.
*Disclaimer: This role cannot solicit or provide investment advice
Ian O’Brien is The Group Director for The TSF Group at Morgan Stanley. Ian has been a member of The TSF Group since June of 2016. He concentrates on portfolio construction, fund analysis and ensuring all the team’s clients receive the highest degree of service. He primarily focuses on providing the highest degree of service to the team’s corporate 401(k) clients. Ian helps Plan Sponsors manage their 401(k) plans by assisting with fiduciary responsibility, analyzing funds in the plan, benchmarking plan fees for reasonableness, consulting on plan design, providing employee education and help selecting a 401(k) recordkeeper. Ian also regularly meets with participants of the team’s 401(k) plans to ensure they utilizing the 401(k) plan in a meaningful way. Ian holds the Qualified Plan Fiduciary Consultant (QPFC®) designation, which provides a strong understanding of how to effectively evaluate, design, implement and manage employer-sponsored retirement plans.
A graduate of the College of the Holy Cross with a Bachelor’s degree in Economics, Ian began his career in the financial services industry as an Investment Analyst with a 401(k) Defined Contribution consulting firm. Joining The TSF Group in 2016, Ian completed his Series 63, 65, 7, and Health and Life Insurance licenses shortly after coming to the firm.
In his free time, Ian plays ice hockey every week and watches as much Boston sports as he can. Relishing every opportunity to get outside including golfing, snowboarding and hiking, but he enjoys the beach most of all. Ian lives in Lynn, MA with his wife, Clare, their newborn Seamus and their dog Cricket.
*Disclaimer: This role cannot solicit or provide investment advice
About Emily Garland
Emily Garland began her career with Morgan Stanley in early 2018 as part of the Fixed Income Operations team in Baltimore, Maryland. In 2019, she was invited to be part of the inaugural class of the Virtual Engagement Associate (VEA) program in Purchase, New York. In June 2022, Emily transitioned into the Business Service Officer role at the branch level, where she excelled as a leader in building and executing strategies that supported market-wide initiatives.
In her role as Group Director, she will be responsible for refining and leading the operations of the team while maintaining a strong commitment to deepening client relationships.
She earned her BA in Economics from St. Mary’s College of Maryland and holds her Series 7, 66, 24, 9, and 10 licenses. Emily spends her time in the garden or on the golf course near where she resides in New Hampshire.
In her role as Group Director, she will be responsible for refining and leading the operations of the team while maintaining a strong commitment to deepening client relationships.
She earned her BA in Economics from St. Mary’s College of Maryland and holds her Series 7, 66, 24, 9, and 10 licenses. Emily spends her time in the garden or on the golf course near where she resides in New Hampshire.
About Michele Vincent
Michele Vincent - Wealth Management Associate
Michele Vincent is a Wealth Management Associate with The TSF Group at Morgan Stanley. With 32 years of experience in the financial services industry, Michele focuses on client services and client communications for the group.
A veteran in the financial services industry, Michele started her career with Advest, Inc. in 1982. She subsequently spent 15 years with Wachovia Securities as a Vice President and Complex Operations Manager. She joined Morgan Stanley Smith Barney and its predecessors in 2006. She holds Series 3, 7, 63, 65, and Health and Insurance licenses.
Outside the office her hobbies include kayaking, camping, and gardening. She enjoys spending time with her husband Denis and their two daughters.
Michele Vincent is a Wealth Management Associate with The TSF Group at Morgan Stanley. With 32 years of experience in the financial services industry, Michele focuses on client services and client communications for the group.
A veteran in the financial services industry, Michele started her career with Advest, Inc. in 1982. She subsequently spent 15 years with Wachovia Securities as a Vice President and Complex Operations Manager. She joined Morgan Stanley Smith Barney and its predecessors in 2006. She holds Series 3, 7, 63, 65, and Health and Insurance licenses.
Outside the office her hobbies include kayaking, camping, and gardening. She enjoys spending time with her husband Denis and their two daughters.
About Maura Lewis
Maura Lewis - Portfolio Associate
Maura Lewis is a Portfolio Associate with The TSF Group at Morgan Stanley. With 26 years of experience in the financial services industry, Maura concentrates on client services and communications for the team.
Beginning her career with PaineWebber in 1991, she served first as a Registered Sales Associate and then spent 12 years as a Branch Operations Manager through the firm’s merger with UBS in 2001. Maura holds the series 7 and 63 licenses. She joined Morgan Stanley through its predecessors in 2009.
Maura’s hobbies include skiing and exercising, and she is passionate about all levels of sports. Maura lives with her husband Barry, and their two daughters in Beverly, MA.
Maura Lewis is a Portfolio Associate with The TSF Group at Morgan Stanley. With 26 years of experience in the financial services industry, Maura concentrates on client services and communications for the team.
Beginning her career with PaineWebber in 1991, she served first as a Registered Sales Associate and then spent 12 years as a Branch Operations Manager through the firm’s merger with UBS in 2001. Maura holds the series 7 and 63 licenses. She joined Morgan Stanley through its predecessors in 2009.
Maura’s hobbies include skiing and exercising, and she is passionate about all levels of sports. Maura lives with her husband Barry, and their two daughters in Beverly, MA.
About Timothy Hoffman
Timothy Hoffman, CFP®, CRPC® –Wealth Management Associate
Tim Hoffman is a Wealth Management Associate with The TSF Group at Morgan Stanley. Tim concentrates on developing financial plans and financial goal analyses.
Tim started his finance career with Bank of America Investment Services, Inc. in 2007. He joined Morgan Stanley in 2016 after spending 7 years with Bank of America/Merrill Lynch in various roles, ending as a Financial Solutions Advisor, and 1 ½ years with Santander Securities LLC as a Financial Consultant.
Tim is a CFP® and a Chartered Retirement Planning Counselor®. He holds the Series 7, 66, and Health and Life Insurance licenses.
Tim resides in North Billerica, MA with his wife, Jill, and his son, Tanner. When not in the office, Tim enjoys spending time playing with his son, working out, and watching the local Boston sports teams.
*Disclaimer: This role cannot solicit or provide investment advice
Tim Hoffman is a Wealth Management Associate with The TSF Group at Morgan Stanley. Tim concentrates on developing financial plans and financial goal analyses.
Tim started his finance career with Bank of America Investment Services, Inc. in 2007. He joined Morgan Stanley in 2016 after spending 7 years with Bank of America/Merrill Lynch in various roles, ending as a Financial Solutions Advisor, and 1 ½ years with Santander Securities LLC as a Financial Consultant.
Tim is a CFP® and a Chartered Retirement Planning Counselor®. He holds the Series 7, 66, and Health and Life Insurance licenses.
Tim resides in North Billerica, MA with his wife, Jill, and his son, Tanner. When not in the office, Tim enjoys spending time playing with his son, working out, and watching the local Boston sports teams.
*Disclaimer: This role cannot solicit or provide investment advice
About James Henry
James Henry - Registered Client Service Associate
James Henry is a Registered Client Service Associate for The TSF Group at Morgan Stanley. His specialty lies in consistently providing exemplary customer service to maintain effective and mutually beneficial client relationships. James currently holds the Series 7, 63, and 65 licenses.
A graduate of Saint Anselm College, James earned his Bachelor’s degree in Finance and Marketing. Active in a variety of roles across the St. Anselm community, James served as a two-year captain of the men’s golf team and performed in a student band.
In his leisure time, James enjoys golfing, songwriting, and attending as many Boston Bruins games as possible. He currently resides in Reading, MA.
James Henry is a Registered Client Service Associate for The TSF Group at Morgan Stanley. His specialty lies in consistently providing exemplary customer service to maintain effective and mutually beneficial client relationships. James currently holds the Series 7, 63, and 65 licenses.
A graduate of Saint Anselm College, James earned his Bachelor’s degree in Finance and Marketing. Active in a variety of roles across the St. Anselm community, James served as a two-year captain of the men’s golf team and performed in a student band.
In his leisure time, James enjoys golfing, songwriting, and attending as many Boston Bruins games as possible. He currently resides in Reading, MA.
About Lindsay Porter
Lindsay Porter is the newest member of TSF group at Morgan Stanley. Lindsay is joining the team as a Client Service Associate and will be focused on providing the highest degree of service to all our clients.
A dedicated scholar, Lindsay graduated from the University of Massachusetts, Amherst with a bachelor’s degree in Economics and Political Science with a History minor. On campus, she was President of the Economics club and spent a semester overseas in Florence, Italy, combining her passions of travel and learning. Outside of work, Lindsay enjoys skiing, cooking, and spending time with her family and loved ones. She currently resides in Topsfield, MA.
A dedicated scholar, Lindsay graduated from the University of Massachusetts, Amherst with a bachelor’s degree in Economics and Political Science with a History minor. On campus, she was President of the Economics club and spent a semester overseas in Florence, Italy, combining her passions of travel and learning. Outside of work, Lindsay enjoys skiing, cooking, and spending time with her family and loved ones. She currently resides in Topsfield, MA.
Contact Jason Traino
Contact Mike Scott
Contact Jacob Fudge
Awards and Recognition
Barron's Top 250 Private Wealth Management Teams
Barron's Top 250 Private Wealth Management Teams Source: barrons.com (Awarded May 2024) Data compiled by Barron's for the period Jan 2023-Dec 2023.
Barron's Top 1,200 Financial Advisors: State-by-State
2022-2023 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State) Source: Barrons.com (Awarded 2022-2023). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Forbes America's Top Wealth Management Teams
2023-2024 Forbes America's Top Wealth Management Teams Source: Forbes.com (Awarded 2023-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year the award was issued.
Forbes Best-In-State Wealth Management Teams
2023, 2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisors
2018-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2018-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
NAPA's Top DC Advisor Teams
2024-2025 NAPA's Top DC Advisor Teams Source: Source: napa-net.org (Awarded 2024-2025) Data compiled by NAPA based on self-reported assets under advisement as of Dec 31 of the year prior to year the award was given.
6
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
Evan Patterson
About Evan Patterson
Evan Patterson is a Private Banker serving Morgan Stanley Wealth Management offices in Rhode Island, Massachusetts and New York.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Evan began his career in financial services in 1999. Prior to relocating to the Northeast, he served as a Private Banker in the Tampa Bay area. Before joining Morgan Stanley in 2010, Evan spent 10 years in high net worth lending at Merrill Lynch supporting teams in New York City, Los Angeles, and Jacksonville. He began his career as a Securities Based Lending Officer before rising within the firm, holding several other positions including Priority Loan Officer, Associate Mortgage and Credit Specialist, Consumer Finance Specialist and Banking and Liquidity specialist.
Evan is a graduate of the University of Florida, where he received a Bachelor of Science in Business Administration with concentration in Finance. He lives in East Greenwich, Rhode Island with his family. Outside of the office, Evan enjoys painting, watching cinemas, reading books, and listening to vinyl records.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Evan began his career in financial services in 1999. Prior to relocating to the Northeast, he served as a Private Banker in the Tampa Bay area. Before joining Morgan Stanley in 2010, Evan spent 10 years in high net worth lending at Merrill Lynch supporting teams in New York City, Los Angeles, and Jacksonville. He began his career as a Securities Based Lending Officer before rising within the firm, holding several other positions including Priority Loan Officer, Associate Mortgage and Credit Specialist, Consumer Finance Specialist and Banking and Liquidity specialist.
Evan is a graduate of the University of Florida, where he received a Bachelor of Science in Business Administration with concentration in Finance. He lives in East Greenwich, Rhode Island with his family. Outside of the office, Evan enjoys painting, watching cinemas, reading books, and listening to vinyl records.
NMLS#: 800467
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Wealth Management
From Our Team
Overcoming Your 5 Biggest Retirement Challenges
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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
Article Image
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
Article Image
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
Article Image
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
Article Image
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
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
Small Business Retirement Plans
Article Image
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 TSF Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan 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.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
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 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
6Investors 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.
7Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Morgan 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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
1Morgan 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.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
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 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
6Investors 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.
7Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Morgan 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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
CRC 4665150 (8/2025)
