The Bravo Kilo Group Insights and Expertise

Welcome and thank you for visiting the Bravo Kilo Group at Morgan Stanley.

We are a premier financial advisory team dedicated to providing clients a holistic and comprehensive wealth management experience at the highest level. Our team has over 75 years of collective industry experience helping business owners, senior executives, directors, and their families create a flight plan to financial success. Whether you need help with estate planning, employee retirement plans, or cash management and lending, we are a resource that is committed to minimizing turbulence throughout your financial journey.

At the Bravo Kilo Group, we collaborate with C-suite executives and corporate directors to address their personal wealth management concerns, focusing on mitigating concentration risk, optimizing tax strategies, and safeguarding their valuable assets. Our tailored approach ensures that their financial portfolios are diversified and well-protected. Additionally, we offer bespoke corporate solutions for both public and private companies, enabling CEOS and owners to attract and retain their most valuable resource: their talented workforce. We understand the intricacies involved in business transitions, such as sales or recapitalizations, and provide expert guidance to navigate these transactions successfully. As a team, our passion is to act as a resource to solve your complex financial needs and help you achieve your business, personal, and family goals.

Because of our unique backgrounds and experiences, our practice has a deep and robust understanding of the following industries:


• Banks and Financial Institutions
• Real Estate
• Energy
• Logistics
• Healthcare
• Aviation


So, whether you're taking off in the world of finance for the first time, or you're a seasoned pilot seeking a new direction, The Bravo Kilo Group is your trusted navigator. Feel free to reach out to us directly to discover how our disciplined approach and personalized services can keep your financial aspirations at cruising altitude. Your financial success is our constant destination.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Helping You Manage and Make Decisions

Being a business owner comes with a lot of stress and difficult decision-making. You have to face challenges head on, lead your team to success, and work diligently to build your vision. Doing all of this alone is a daunting and nearly impossible task, but partnering with a team of knowledgeable professionals can help ease your stress and bring ideas or solutions that you may not have considered otherwise. Morgan Stanley and the Bravo Kilo Group are dedicated to serving your unique needs and providing numerous resources to do this. Check out the resources below for more information about how we support business owners.

The Lifecycle of an Entrepreneur

The journey for entrepreneur's can be difficult and frustrating at any point. Whether you are trying to raise funding or establish advisory relationships, challenges arise that can throw you off course. Luckily Morgan Stanley and The Bravo Kilo Group have your back.

The Lifecycle of an Entrepreneur
Building a Family Enterprise That Lasts

Creating generational wealth and a legacy that lasts is an essential part of owning a family business. Learn how to maintain this longevity by reading the article below.

Family Business That Lasts Generations
Preparing for the Transaction of a Lifetime

Selling your business is a technical and emotional rollercoaster. We can help take the emotion out of it and help guide your thoughts and decisions.

Selling Your Business: How to Prepare
2024 M&A Outlook: Ready For A Rebound

2023 saw a decline in dealmaking activity across most industries, however Morgan Stanley Investment Banking expects a comeback this year. Here are five trends to watch as the M&A market picks up again.

Read the Outlook Here

Tailored Solutions To Keep You Elevated

Morgan Stanley and the Bravo Kilo Group are dedicated to helping Fortune 500 c-suite executives and corporate directors manage their personal and family wealth considerations. Executives face unique challenges when it comes to tax and estate planning that can make it difficult to view your entire financial picture. We can help you overcome concerns regarding concentrated stock or asset positions, exercising your options, and dealing with regulatory updates and rules. Check out the different resources below for how we support high level corporate managers.

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    Corporate Executive Services

    Our team understands how intense it is to be a corporate executive or director. We strive to simplify your financial picture and create the solutions you need, including day-to-day platform management support, navigating complex regulations, and integrating equity into personal finances.

    How We Support Executives
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    Solutions for Your Concentrated Stock Positions

    Large stakes in concentrated assets and equity-based compensation are a common problem for many executives. We can help provide a solution that minimizes the risk of these assets. Check out the concentrated position toolkit below to learn more.

    View the Solution Summary Here
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    Opportunities in Alternative Investments

    Alternatives can offer exposure to assets and opportunities that regular market participation cannot. For corporate executives and directors, it can be an essential part of any portfolio to add diversification and minimize overall risk. Check out video from the Morgan Stanley Alternatives page for more information about alternative investments like private equity, hedge funds, and real estate.

    Learn More About Alternative Investments at Morgan Stanley
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    Navigating Federal Regulations

    Trading as a corporate executive or high-level manager can be stressful and tedious. There are lots of bases to cover and things to keep in mind when navigating SEC rules and regulations. We are here to make sure everything is done correctly and legally.

    Learn About the 10b5-1 Plan for Executives
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Past and Upcoming Events

How to Navigate Emerging Cyber Risks with Rachael Wilson

Join Morgan Stanley's cybersecurity expert Rachael Wilson to learn how the digital threat landscape has evolved over the past year and a half and unpack new trends and terminology. Replay is available until April 26th, 2024.

Listen to the Replay Here
Delta's Ed Bastian: Making Travel Magical

In the latest episode of Exceptional Leaders / Exceptional Ideas, Freight Transportation & Airlines analyst Ravi Shanker sits down with Delta Air Lines CEO Ed Bastian to talk about everything from his advice on making hard decisions, to how it's possible to bring back the golden era of travel while keeping it accessible.

Watch Here
Geopolitical Perspectives with Condoleezza Rice

Listen to a conversation between Morgan Stanley's Head of Wealth Management Andy Saperstein, and former Secretary of State Condoleezza Rice as they discuss insights on rising geopolitical pressures around the world.

Listen to the Discussion Here

Location

3280 Peachtree Rd NE
Suite 1900
Atlanta, GA 30305
US
Direct:
(404) 266-6900(404) 266-6900
Toll-Free:
(800) 688-6002(800) 688-6002

Meet The Bravo Kilo Group

About Reg Brown

Reg Brown is a Senior Vice President and Senior Portfolio Manager with Morgan Stanley Wealth Management.

His team focuses on working with business owners, senior executives, and corporate directors.  He works with a number of CEOs and Directors on their personal wealth management issues.  He provides custom corporate solutions to public and private companies and their CFOs.  For business owners, he works closely with those who have sold or who are contemplating the sale or recapitalization of their business.

Reg and his team seek to thoroughly understand their client's financial lives and provide holistic solutions in lending, investment management, financial and retirement planning, wealth and legacy planning, and risk management and hedging.

An industry veteran with more than 30 years of experience, he holds the Chartered Retirement Plans Specialist designation from the College for Financial Planning.  He is experienced in designing, implementing, and maintaining retirement plan solutions for businesses.

Reg and his wife of 31 years, Brenda, have three children and have been residents of Marietta, GA since 1995.  Reg is active in golf, tennis, cycling, and running, and is an instrument rated private pilot.
Securities Agent: ND, MD, MA, VA, OH, NE, FL, CA, MO, DE, WI, MI, DC, WV, VT, NM, MS, GA, CT, SC, RI, NC, PA, NV, NJ, WY, WA, LA, CO, AL, MN, ME, KY, AZ, IN, TX, TN, OR, NY, IL, PR; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1264968

About Steve Kilinski

Steve Kilinski is a Senior Vice President and Financial Advisor with Morgan Stanley Wealth Management.  

His team focuses on working with business owners, senior executives and directors.  He works with a number of CEOs and Directors on their personal wealth management issues with a focus on financial and retirement planning as well as executive financial services (EFS).  For business owners, he works closely with those who have sold or who are contemplating the sale or recapitalization of their business.

He has been recognized as a member of the Morgan Stanley Pacesetters Club 2010-2015, a global recognition program for Financial Advisors who, within their first five years, demonstrate the highest professional standards and first class client service.

Prior to Morgan Stanley, Steve was recognized as a top producer in the residential mortgage lending industry with companies such as Atlanta’s former #1 lender by loan volume per the Atlanta Business Chronicle, HomeBanc Mortgage Corporation.  After HomeBanc, he also ran his own mortgage lending firm, TriStone Financial LLC.

Steve has a B.S. degree in International Finance with a concentration in German & a minor in Economics from the University of Alabama, Tuscaloosa. He was active in the Delta Tau Delta social fraternity as well as Delta Sigma Pi, a business fraternity whose mission is to foster the study of business in universities.

Steve & his wife, Jessica, have 2 children & have been residents of Marietta GA since 2000. Born & raised in New Orleans LA, Steve & Jessica try to bring some of the flavor of their unique hometown to the people they meet. For fun, Steve enjoys time with the family, mountain biking, golf, cooking, traveling and working on home projects.
Securities Agent: CT, AZ, WV, PR, ND, ME, MA, IL, OR, NV, NM, NC, MI, KY, DE, NJ, FL, WA, GA, DC, VA, TN, NY, AL, RI, LA, CO, CA, WY, PA, MN, WI, MS, MD, IN, TX, SC, OH, NE, MO; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 170390

About Mark Nevins

Mark Nevins is a First Vice President and Senior Portfolio Manager with Morgan Stanley Wealth Management.

Areas of expertise include retirement-income planning strategies, financial planning analysis, investment asset & liability management and family legacy transfer. He has assisted corporate executives and their families with company-issued equity awards, concentrated stock positions, Rule 10b5-1 trading plans, financial planning and wealth management.

He brings more than 35 years of domestic and international experience to the field. He earned a Chartered Retirement Planning Counselor designation (CRPC®) designation from the College for Financial Planning and brings over 35 years of domestic and international business experience to help families and individuals with their wealth management needs.

He holds a Masters of International Business Studies from the Darla Moore School of Business at the University of South Carolina and graduated with honors with a B.S. from the University of Tennessee. He lives in Atlanta with his wife Stacey and their two wonderful children.
Securities Agent: VA, MD, PA, CO, TX, WI, OH, NM, FL, AZ, OR, DC, CT, WV, NY, MI, WY, TN, MS, MO, SC, ND, LA, AL, PR, NE, NC, ME, MA, KY, IL, DE, WA, NV, NJ, MN, IN, GA, CA, RI; General Securities Representative; Investment Advisor Representative
NMLS#: 544998

About Chris Woodhouse

Chris Woodhouse is a Financial Advisor with Morgan Stanley Wealth Management

His practice focuses on working with business owners, senior executives, and directors. He works with several CEOs and Directors on their personal wealth management issues and provides custom corporate solutions to public and private companies and their CFOs. For business owners, he works closely with those who have sold or who are contemplating the sale or recapitalization of their business

Joining Morgan Stanley in May, Chris swiftly established himself as a Financial Planning Specialist, consistently delivering tailored solutions that empower clients to achieve their financial goals. Prior to his tenure here, Chris soared to success in the world of commercial real estate, where his knack for identifying opportunities and forging lasting relationships set him apart.

Chris has a B.A. degree in Economics from the University of Colorado, Boulder.

Chris is not just about numbers; he's about people. His passion for connecting with new individuals shines through in every interaction. Whether he's helping you plan your financial future or discussing your favorite golf course, you'll find his approach warm, engaging, and relatable.

Beyond the boardroom, Chris thrives on the golf course, where he's known for his competitive spirit and love for the game. Travel is another of his great passions, as he explores new destinations, cultures, and cuisines alongside his wife, Paige, and cherishes moments with his son, Mason.
Securities Agent: NV, AZ, WV, NY, MO, MA, FL, AL, MD, KY, CA, VT, TX, SC, ME, KS, DC, RI, PA, NJ, NE, MI, WA, TN, ND, LA, PR, OH, NM, UT, IL, GA, WY, VA, OR, NC, CO, MS, MN, IN, DE, WI, HI, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 2524019

About Barbara Klein

Barbara is a Senior Registered Associate and has been with Morgan Stanley since 2008.  She joined the Bravo Kilo Group in 2016.

She has worked in the financial services industry for the past 25 years and holds the Series 7, 63, 66, 9, and 10 licenses.  Her prior work experience includes Raymond James, Oppenheimer, and Bear Stearns.

Barbara is a graduate of Massey Business College.

Interests:  Gardening, music, and spending time with family.

About Kari Kemnitz

Kari is a Senior Client Service Associate and Financial Planning Specialist with the Bravo Kilo Group. She is dedicated to providing seamless high-level service for all of the team’s clients and partners and is responsible for much of the day-to-day activities of the practice. Kari Kemnitz has been in the financial services business for over 20 years and has been with Morgan Stanley since 2015. Currently a Senior Client Service Associate and Financial Planning Specialist, Kari holds the Series 7 and 66 licenses and the FPS designation. She is a graduate of Kennesaw State University with a Bachelor of Science in Business. She is an avid reader, loves hiking and gardening and can often be spotted on early morning runs through her neighborhood in Decatur, GA.

The Power of Partnerships

By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships

About Jason Taggart

Jason Taggart is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Georgia.

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.

Jason began his career in financial services in 2002, and joined Morgan Stanley in 2014. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as an Operations Supervisor at PHH Mortgage.

Jason is a graduate of Florida State University, where he received both a Bachelor of Science in Finance and a Master of Business Administration in Finance. He lives in Sandy Springs, Georgia with his family. Outside of the office, Jason enjoys spending time with family, attending his kids sporting events, traveling, watching college football, and coaching his daughters’ softball team.
NMLS#: 652503

About Brian Ford

NMLS# 687710

Brian Ford is a Private Banker serving Morgan Stanley Wealth Management offices in Georgia.

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.

Brian Ford began his career in financial services in 2006, and joined Morgan Stanley in 2015 as an Associate Private Banker. Prior to joining the firm, he served as a Regional Private Banker at Wells Fargo, as well as a Financial Advisor at Ameriprise Financial.

Brian is a graduate of the Georgia Institute of Technology, where he received a Bachelor of Science in Management. He and his family reside in Cumming, Georgia. Outside of the office, Brian dedicates his time to developing future leaders in youth athletics, serving as a Coach on his children’s baseball teams. When not on the field, he also enjoys running, traveling, watching sports, and spending time with his family.
NMLS#: 687710

About Jay Zaffos

Jay Zaffos is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Atlanta, Georgia. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.

Jay began his career in financial services in 2012, and joined Morgan Stanley in 2021. Prior to his current position, he supported a Wealth Management Advisor at Northwestern Mutual in a financial planning role.

Jay graduated from Kennesaw State University with a Bachelors degree in English and holds his Certified Financial Planner® and Retirement Income Certified Professional® designations. Jay lives in Marietta, Georgia with his spouse and three children. Outside of work, Jay enjoys spending time with family, playing electric guitar in the worship band at his church, running, and playing chess.
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
4 Financially Smart Ways to Take Money Out of Retirement Accounts
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4 Financially Smart Ways to Take Money Out of Retirement Accounts

Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.

Investing

Working closely with you to guide your wealth and investments through the most challenging market cycles.
  • Asset Management
  • Wealth Planning
  • Traditional Investments
  • Alternative Investments
  • Impact Investing
2025 Global Economic Outlook: U.S. Policies May Temper Global Growth
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2025 Global Economic Outlook: U.S. Policies May Temper Global Growth

Global growth is likely to be around 3% in 2025 and 2026, as tariff and immigration policies begin to slow the U.S. economy late next year, and China's underperformance restrains emerging markets.

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
Taking Control of Your Finances After Death of a Spouse
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Taking Control of Your Finances After Death of a Spouse

Financial planning after a divorce or death can be trying, but with the right approach and the right advice you can turn a difficult situation into empowerment.

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
  • Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Financial Planning for Life After Selling a Business

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

Philanthropy

Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
  • Endowments
  • Foundations
  • Donor Advised Funds
  • Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving 
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Donor Advised Funds: A Smart Way to Manage Your Giving 

There’s more to charitable giving than you may realize. Here’s one method that may be a tax-efficient way to give and can help maximize your impact.
Ready to start a conversation? Contact The Bravo Kilo Group today.
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1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.

For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.

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2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.

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3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

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4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.

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5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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6Morgan 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.

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7Morgan 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.

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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 consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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9Morgan 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.

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Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.

The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.

Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.

The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.

Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.

The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.

*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney.  The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.

Awards Disclosures
CRC 6491812 (04/2024)