Susan Bordeaux, CFP®
Senior Vice President, Financial Advisor, CERTIFIED FINANCIAL PLANNER®
Phone:
(949) 809-1324(949) 809-1324
Industry Award WinnerOur Mission Statement
To work with our clients in a long-term, trusted relationship, providing comprehensive financial planning and objective advice to help them achieve confidence and enjoy the life they’ve always dreamed of.
Our Story and Services
Susan Bordeaux and daughter, Allison (Allie) Bordeaux, formed the Bordeaux Group in 2025 after Allie joined Susan as a Financial Advisor at Morgan Stanley. Both Susan and Allie first started their careers outside of financial advising with Susan working in banking and Allie working in external auditing and human resources. Their prior experiences ultimately led them to becoming financial advisors to pursue their common passion of helping people achieve their life’s goals.
For over 25 years, Susan has been a trusted Financial Advisor supporting individuals, families, organizations, foundations, corporate executives, and entrepreneurs build personalized portfolios and goals-based financial plans to help her clients remain disciplined despite ever-evolving world and the ups and downs of the market to fulfill her client’s long term financial objectives.
Now as a team, Susan and Allie bring a family approach to their clients – treating every client like a member of their family. They are compassionate advisors dedicated to helping their clients navigate through life’s most significant moments from marriage, purchasing a home, having children, retirement, to caring for their loved ones. With Susan’s vast experience and Allie’s new perspective combined with the resources of Morgan Stanley, they bring their clients a family approach supported by the top wealth management firm in the world.
You have worked hard to create the life and wealth you have - you deserve to be supported by a team of advisors dedicated to caring for you like a family member. The Bordeaux Group is committed to providing exceptional client experience, putting a personalized portfolio and financial plan in place, and connecting regularly to account for external factors as well as life’s changes so that you can meet your life’s goals for this generation and the next.
For over 25 years, Susan has been a trusted Financial Advisor supporting individuals, families, organizations, foundations, corporate executives, and entrepreneurs build personalized portfolios and goals-based financial plans to help her clients remain disciplined despite ever-evolving world and the ups and downs of the market to fulfill her client’s long term financial objectives.
Now as a team, Susan and Allie bring a family approach to their clients – treating every client like a member of their family. They are compassionate advisors dedicated to helping their clients navigate through life’s most significant moments from marriage, purchasing a home, having children, retirement, to caring for their loved ones. With Susan’s vast experience and Allie’s new perspective combined with the resources of Morgan Stanley, they bring their clients a family approach supported by the top wealth management firm in the world.
You have worked hard to create the life and wealth you have - you deserve to be supported by a team of advisors dedicated to caring for you like a family member. The Bordeaux Group is committed to providing exceptional client experience, putting a personalized portfolio and financial plan in place, and connecting regularly to account for external factors as well as life’s changes so that you can meet your life’s goals for this generation and the next.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Comprehensive Financial Planning
We believe clients of all ages and financial well-being would benefit from the creation, implementation, and adherence to a financial plan. Please see how we can help you achieve your financial goals through our four-step process.
Complementary Discovery Meeting
We begin with a no-pressure meeting designed to get a better understanding of the client's wants, needs, concerns, and goals. We look to understand the client's background, family structure, occupation, and experience with wealth management. From there, we dig deeper in exploring more about the client's current financial situation, risk tolerance, and investment preferences.
Provide Tailored Advice
Using the information from our discovery meeting, we will begin to build a comprehensive financial strategy to meet the needs of the client, and address goals and risk tolerance. We also use this as an opportunity to provide the client deeper insight and education so they have a strong understanding of the plan and the strategies being utilized.
Implement the Plan
Once the client approves the plan built for them, progress begins. Tangible progress will be made as client adherence to the plan becomes vital. Client goals become one step closer to reality as financial health becomes stronger.
Continuously Monitor and Update
We will meet regularly to make updates that adjusts the plan to most accurately represent the dynamic lives of clients. Life changing events like births, weddings, selling of property, and strong market performance will allow goals to be adjusted higher. Capitalizing on these opportunities will allow for the formation of new goals.
LifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual's financial life, including investments and cash management needs. Fill out the questionnaire to get started talking with us about creating a personalized strategy for your long-term goals.
Goals Planning System
Goals Planning System (GPS) is Morgan Stanley's own integrated planning tool. Built on the Firm's intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is "On Track" to achieving their financial goals.
Investment Management
At Morgan Stanley Investment Management, our goal is to provide strong long-term performance to a diverse client base of governments, institutions, corporations, advisors and individuals worldwide.
Tax Management Services
Reducing the current tax liabilities on your investments can help enhance your overall returns. Implementing our Tax Management Services in a taxable managed investment portfolio, known as a Unified Managed Account (UMA), seeks to offer you professional and tax efficient portfolio management to help meet your unique financial goals.
Alternative Investments
For qualified investors, Alternative investments can provide a measure of diversification, but they also typically come with a different risk profile an less liquidity.
Direct Indexing
Direct Indexing may benefit many types of investors based on their investment objectives. Direct indexing is an investment strategy in which an investor directly owns the individual stocks composing an index, rather than investing in mutual funds or ETFs.
Cash Management and Lending Solutions
At Morgan Stanley, we recognize that clients and their families have unique needs that require dedicated experience and capabilities. Our goal is to help simplify your financial life with a combination of cash management and lending solutions designed to complement your investment strategy and support your financial goals.
Modern Wealth Tools
We encourage clients to leverage the modern wealth tools and client resources that Morgan Stanley offers to enhance to enhance their wealth management experience. Please take a look below to explore the resources available to you.
Morgan Stanley Online
Morgan Stanley Online and the Morgan Stanley App make it easier for clients to view account information and monitor plans. Additionally, it gives clients access to various cash management solutions.
Total Wealth View
By linking all of your account information, you will benefit from more informed and holistic wealth planning because we will have your entire financial picture in mind. You can link external accounts directly to your Morgan Stanley online or through your Morgan Stanley App.
CashPlus
Manage your cash with Morgan Stanley's CashPlus brokerage account. Enjoy a seamless digital experience, zero cash management fees, and more value and protection.
Identity & Credit Protection
A complimentary benefit provided by Experian® for Morgan Stanley clients who open a CashPlus account for everyday banking, we offer a robust suite of premium monitoring and identity services to help safeguard your personal information.
Reserved Living & Giving
Morgan Stanley's loyalty program allows eligible clients access to exclusive offers and discounts from over 70 premium brands at no cost.
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool.
Digital Vault
Digital Vault allows for easy sharing and convenient access to your most important documents from wills and deeds to financial statements and tax fillings. Easily manage your encrypted financial records all in one place.
Resources to help keep you educated and protected.
Financial & Estate Planning
When preparing for tax season, it's important to get organized early. You can place tax forms and other tax filing resources and documentation in a folder, keeping them together and easy to find when you or your CPA are ready for them. These are some resources you may find helpful in preparing your taxes for the past year and planning for the year ahead.
Strategies for reducing or optimizing your tax liability include a variety of possible approaches to retirement savings and charitable giving. Below are some resources that may help determine the right approach for your situation:
Market Insights
The following reports, articles, and podcasts address many of the concepts that support our wealth management philosophy and investment strategies and can help you keep your finger on the pulse of market movements and trends.
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
A podcast where real people get real answers from Financial Advisors to their most important questions about money. Hosted by Morgan Stanley Wealth Management's Jamie Roô.
A monthly publication that summarizes the Global Investment Committee's market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition below.
To help you understand the most impactful tax and financial changes that came from the recent signing of the One Big Beautiful Bill Act (OBBBA), please check out the 2-page cheat sheet below.
Protection from Identity Theft, Scams, & Fraud
Identity theft and financial scams are rampant today and constantly evolving. They can come by telephone (e.g., robocalls), email, and text messages. Be aware of social engineering techniques designed to compromise valuable personal and financial information, which frequently target senior and vulnerable adults. Here we've included fact sheets on several common scams, as well as links to additional guidance on protecting your identity and security, and to our Experian Identity & Credit Protection benefit available to clients.
Webcasts hosted to educate you.
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term results. As a result, we are committed to providing you with important information about managing your wealth more effectively in today's global markets.
Upcoming Webcasts
From time to time, Morgan Stanley hosts live webcasts featuring the firm's market strategists, external experts commenting on current events affecting financial markets, cybersecurity professionals advising on emerging threats and protections, prominent industry and cultural figures discussing their personal journeys, and more. Here you can register to attend upcoming events and view recordings of recent events we think you might find of interest.
Past Virtual Firm Events
We invite you to watch the replay from our exclusive virtual event with four-star U.S. Navy Admiral William McRaven and Morgan Stanley Wealth Management Chief Economic Strategist Ellen Zentner. In this session, Admiral McRaven discussed:
- The current state of American affairs and the latest news from Washington
- Recent developments in global affairs
- A reflection on his storied career in the U.S. Navy
We invite you to watch the replay from our New Year, New Bill: What it Means for You session with Wealth Management's Chief Investment Officer Lisa Shalett, Head of Financial Planning Anthea Tjuanakis Cox, and Head of US Policy Monica Guerra as they discuss:
- Understand the One Big Beautiful Bill and its implications
- Evaluate your current financial plan amid these changes
- Offer questions to ask yourself or your advisors as you review your portfolio
- Recognize the core components of a well-constructed financial plan
We invite you to watch the replay from our insightful Securing the Future: Cybersecurity in the Age of AI event with Wealth Management's Chief Data Officer Rachel Wilson and Head of Wealth Management Cybersecurity Prashanth Challa, recorded on Tuesday, October 28. In this conversation, Rachel and Prashanth discussed:
- Protecting yourself from AI-powered scams
- Understanding deepfakes and data poisoning
- Leveraging AI to your cybersecurity advantage
Location
1901 Main Street
Ste 700
Irvine, CA 92614
US
Direct:
(949) 955-7500(949) 955-7500
430 Hacienda Drive
Suite 200
Pleasanton, CA 94588
US
Direct:
(925) 730-3817(925) 730-3817
Meet The Bordeaux Group
Allison Bordeaux
Financial Advisor, Financial Planning Specialist
Phone:
(925) 730-3817(925) 730-3817
Nishit Arora
Registered Client Service Associate
About Susan Bordeaux
For more than three decades, Susan Bordeaux has been a trusted guide for clients navigating the complexities of wealth and life. As a Certified Financial Planner and Senior Vice President, she is known for building lasting relationships and delivering thoughtful strategies in retirement planning, investment management, and estate planning. Her depth of knowledge, paired with genuine care for her clients, has earned her recognition such as being named to the 2025 Forbes Best-In-State Wealth Advisor list, the 2025 Forbes Top Women Wealth Advisors Best-In-State list, and 2025 Five Star Wealth Advisor Award.
Before joining Morgan Stanley, Susan spent years leading consumer banking as Senior Vice President for First Federal Bank of California. She holds a BA from The University of Southern California and is a graduate of the Pacific Coast Banking School at the University of Washington.
Beyond her professional accomplishments, Susan believes in giving back. She volunteers with the Assistance League of Tustin, and she serves on the Board of the Society for Eastern Mediterranean Archaeology and Heritage Studies. In her free time, she enjoys traveling, reading, and attempting to play golf with her husband, Gary, and her daughter and business partner, Allie. Clients appreciate not only her experience, but also the personal attention she brings to every relationship.
Before joining Morgan Stanley, Susan spent years leading consumer banking as Senior Vice President for First Federal Bank of California. She holds a BA from The University of Southern California and is a graduate of the Pacific Coast Banking School at the University of Washington.
Beyond her professional accomplishments, Susan believes in giving back. She volunteers with the Assistance League of Tustin, and she serves on the Board of the Society for Eastern Mediterranean Archaeology and Heritage Studies. In her free time, she enjoys traveling, reading, and attempting to play golf with her husband, Gary, and her daughter and business partner, Allie. Clients appreciate not only her experience, but also the personal attention she brings to every relationship.
Securities Agent: UT, NC, AK, TX, NJ, WA, MD, IL, GA, FL, CO, SC, ID, HI, AZ, VA, MI, NV, NM, OR, AL, PA, NY, CA, DE; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1272785
CA Insurance License #: 0C54183
NMLS#: 1272785
CA Insurance License #: 0C54183
About Allison Bordeaux
Allie Bordeaux is passionate about helping people feel confident about their financial future. As a Financial Advisor and a Financial Planning Specialist at Morgan Stanley, she partners with clients through life's biggest milestones whether it's purchasing a first home, preparing for retirement, or building multi-generational wealth. Known for her approachable style and sharp financial insight, Allie makes complex decisions clear, empowering clients to take meaningful steps toward their goals.
Her career journey includes external auditing, recruiting, and human resources, giving her a unique perspective on the financial challenges professionals face at every stage of their lives. A graduate of the University of Washington with a degree in Business Administration, Allie built her career at Deloitte, Meta Platforms, Inc. (formerly Facebook), and Northrop Grumman before bringing her talents to financial advising.
Based in Pleasanton, CA, Allie enjoys life with her husband, Tim, and their dog, Lucy. Outside of work, she can often be found trying out new restaurants, golfing, or spending quality time with family and friends. Her clients value the combination of professionalism and authenticity she brings to every conversation, helping them feel supported and understood.
Her career journey includes external auditing, recruiting, and human resources, giving her a unique perspective on the financial challenges professionals face at every stage of their lives. A graduate of the University of Washington with a degree in Business Administration, Allie built her career at Deloitte, Meta Platforms, Inc. (formerly Facebook), and Northrop Grumman before bringing her talents to financial advising.
Based in Pleasanton, CA, Allie enjoys life with her husband, Tim, and their dog, Lucy. Outside of work, she can often be found trying out new restaurants, golfing, or spending quality time with family and friends. Her clients value the combination of professionalism and authenticity she brings to every conversation, helping them feel supported and understood.
Securities Agent: GA, CA, WA, HI, NY, NM, IL, AZ, TX, MD, FL, AL, NV, NC, ID, CO, VA, PA, SC, UT, MI, DE, OR, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 2746597
NMLS#: 2746597
About Nishit Arora
For almost five years, Nishit Arora has worked as a Registered Client Service Associate at Morgan Stanley. He was born and raised in Southern California and graduated from USC with a major in Business Administration and an emphasis in finance. At Morgan Stanley, Nishit partners closely with financial advisors to provide comprehensive support in managing client portfolios, ensuring accurate account administration, and delivering a seamless client experience. He assists with investment implementation, cash management, and ongoing service needs, while also acting as a reliable point of contact for clients. Nishit takes pride in building long-term relationships by listening attentively, anticipating client needs, and offering thoughtful solutions with care and professionalism. His approachable nature and attention to detail have helped him earn the trust and confidence of the clients he assists. In his free time, he enjoys playing basketball and watching NBA games, spending quality time with friends and family, trying new restaurants, and exploring the world.
Contact Susan Bordeaux
Contact Allison Bordeaux
Awards and Recognition
Forbes Top Women Wealth Advisors Best-In-State
2023-2026 Forbes Top Women Wealth Advisors Best-In-State Source: Forbes.com (Awarded 2023-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in September of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisors
2024-2026 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2024-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Five Star Wealth Advisor
Source: fivestarprofessional.com (Awarded 2025) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2025 Award: 9/18/2024 - 2/28/2025
2024 Award: 9/12/23 - 3/29/24
2023 Award: 9/12/22 - 3/31/23
2022 Award:10/11/21 - 4/8/22
2021 Award: 9/14/20 - 4/23/21
2020 Award: 10/14/19 - 4/24/20
2019 Award: 10/9/18 - 5/3/19
2017 Award: 10/21/16 - 5/8/17
2016 Award: 12/7/15 - 5/11/16
2015 Award: 12/7/14 - 5/11/15
2014 Award: 12/7/13 - 5/11/14
2013 Award: 12/7/12 - 5/11/13
2012 Award: 12/7/11 - 5/11/12
Evaluation periods for all Five Star awards, broken down by market, can be found at https://www.fivestarprofessional.com/wmdisclosures
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Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact The Bordeaux Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
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 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
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
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 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
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8When 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.
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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
