William Brewster
Senior Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(816) 932-7819(816) 932-7819
Industry Award WinnerOur Mission Statement
Multigenerational wealth management designed to deliver differentiated solutions by leveraging institutional quality resources.
Multigenerational Planning Built With Thoughtful Solutions
The Brewster Group at Morgan Stanley was founded to serve the multigenerational wealth needs of the very individuals and families we work with on a daily basis. Committed to excellence in investment acumen, transparency, and differentiated solutions, the Father-Son team led by William J. Brewster Jr., along with his son Billy Brewster, operates under a strict process driven approach that ensures no detail goes unaddressed. With a focus on multigenerational wealth, The Brewster Group is able to construct and implement a strategy beholden to the needs and desires of each individual family. We look forward to getting to know you and your family and discussing how we can help create the legacy you envision.
Services Include
- 401(k) Rollovers
- Alternative InvestmentsFootnote1
- Executive Financial ServicesFootnote2
- Professional Portfolio ManagementFootnote3
- Sustainable InvestingFootnote4
- Wealth Consulting
- Estate Planning StrategiesFootnote5
- Business Succession PlanningFootnote6
- Endowments and FoundationsFootnote7
- Executive Benefit ServicesFootnote8
- Financial PlanningFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate planning strategies.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to help ensure that your strategy adapts to changing financial and family needs.
MODERN WEALTH MANAGEMENT TOOLS AND RESOURCES
Morgan Stanley's comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies offered to Morgan Stanley clients.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, as well as a complete view of your assets and liabilities whether they are held at Morgan Stanley or elsewhere.
Morgan Stanley Resources
At Morgan Stanley, we provide clients with easily digestible financial analysis from our market research experts. The links below provide further insight on the markets and economic landscape.
The Brewster Group Monthly Newsletter - July
With the first half of 2025 behind us, we wanted to share some relevant items with you. Please enjoy the read! As always, feel free to reach out if you would like to discuss any of these topics further.
July Newsletter
Big Beautiful Bill Tax Provisions
In partnership with Morgan Stanley Government Relations, we outline some of the most frequently discussed tax provisions included in the "Big Beautiful Bill".
Big Beautiful Bill Summary
The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Click Here to See the Latest Report
On the Markets
The Global Investment Committee's Lisa Shalett provides commentary on the economy, a deeper look at the indexes, and industry trends for the month.
Read this Month's Edition
Thoughts on the Market Podcast
Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen Here
Cybersecurity Center
Check out Morgan Stanley's collection of practical takeaways and best practices from our cybersecurity professionals on our dedicated cybersecurity page.
Visit the Cybersecurity CenterSpecializations
We provide resources that describe why adding Alternative Investments to a portfolio makes sense, how they can enhance your business, and how to get started. Please reach out to us if you would like to know more about Alternative Investments in your portfolio.
Private Equity
Private Real Estate
Private Credit
Single Manager Hedge Funds
Location
4520 Main Street
8th Floor
Kansas City, MO 64111
US
201 East Pine Street
Suite 1100
Orlando, FL 32801
US
Direct:
(407) 849-4773(407) 849-4773
Meet The Brewster Group
William J. Brewster III
Vice President, Financial Advisor, Senior Portfolio Manager, Alternative Investments Director
Phone:
(407) 849-4773(407) 849-4773
Phone:
(407) 849-4737(407) 849-4737
Nichole S. Godwin, Financial Planning Specialist
Portfolio Associate
Phone:
(407) 849-4761(407) 849-4761
Jacob Martin
Portfolio Associate
Phone:
(816) 932-7809(816) 932-7809
About William Brewster
William J. Brewster Jr.
(816) 932-7819
William.Brewster@MorganStanley.com
Bill Brewster, Financial Advisor, is a Senior Vice President and Family Wealth Advisor with over 43 years of experience in the financial services industry. Bill leads the Brewster Group at Morgan Stanley Wealth Management, a team dedicated to providing guidance to affluent individuals and families. As a member of Morgan Stanley’s 2016-2018 Master’s Club, Bill has been recognized as one of the top advisors within Morgan Stanley Wealth Management and was awarded the Forbes Best in State Wealth Advisors in 2024. Bill and his wife Kathy have two sons, Billy and Michael, and two granddaughters named Bella and Kaia. Bill and his family enjoy watching their granddaughters in dance, cheer and sporting activities in their free time.
Source: Forbes (Awarded Nov 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/23-3/31/24.
(816) 932-7819
William.Brewster@MorganStanley.com
Bill Brewster, Financial Advisor, is a Senior Vice President and Family Wealth Advisor with over 43 years of experience in the financial services industry. Bill leads the Brewster Group at Morgan Stanley Wealth Management, a team dedicated to providing guidance to affluent individuals and families. As a member of Morgan Stanley’s 2016-2018 Master’s Club, Bill has been recognized as one of the top advisors within Morgan Stanley Wealth Management and was awarded the Forbes Best in State Wealth Advisors in 2024. Bill and his wife Kathy have two sons, Billy and Michael, and two granddaughters named Bella and Kaia. Bill and his family enjoy watching their granddaughters in dance, cheer and sporting activities in their free time.
Source: Forbes (Awarded Nov 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/23-3/31/24.
Securities Agent: TN, SD, NC, MT, WY, NY, VT, PA, NV, TX, OR, OH, NM, MO, MA, IN, AK, WI, NJ, NE, MD, FL, DC, CA, SC, MN, ID, IA, CO, NH, MI, GA, WA, VA, UT, OK, KS, CT, AZ, AR, MS, LA, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 165711
CA Insurance License #: 4275162
NMLS#: 165711
CA Insurance License #: 4275162
About William J. Brewster III
William J. Brewster III
(407) 849-4773
William.Brewster3@MorganStanley.com
Billy Brewster is a Vice President and Senior Portfolio Manager at Morgan Stanley, bringing over a decade of experience to the firm. Since joining in 2012, he has specialized in delivering tailored investment strategies to families, executives, and entrepreneurs. Named to Forbes' Best-in-State Next Gen Wealth Advisors and Best-in-State Wealth Management Teams, Billy is dedicated to helping clients achieve financial success. He graduated from The Ohio State University and resides in Windermere, Florida with his wife, Krissy, and daughters, Bella and Kaia.
*Forbes Top Next-Gen Wealth Advisors
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
(407) 849-4773
William.Brewster3@MorganStanley.com
Billy Brewster is a Vice President and Senior Portfolio Manager at Morgan Stanley, bringing over a decade of experience to the firm. Since joining in 2012, he has specialized in delivering tailored investment strategies to families, executives, and entrepreneurs. Named to Forbes' Best-in-State Next Gen Wealth Advisors and Best-in-State Wealth Management Teams, Billy is dedicated to helping clients achieve financial success. He graduated from The Ohio State University and resides in Windermere, Florida with his wife, Krissy, and daughters, Bella and Kaia.
*Forbes Top Next-Gen Wealth Advisors
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
Securities Agent: LA, AR, AZ, CA, CO, DC, DE, FL, GA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, VI, WA, WI, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1507458
CA Insurance License #: 4141858
NMLS#: 1507458
CA Insurance License #: 4141858
About Scott Goodkind
Scott Goodkind
(407) 849-4737
Scott.Goodkind@MorganStanley.com
Helping you achieve financial success is my first priority. Morgan Stanley has meaningful intelligence about every major asset class and a presence in every major market, as well as investment research from some of the world’s most respected analysts. Together, we will formulate a strategy to help you achieve your most important goals and then deliver a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve.
(407) 849-4737
Scott.Goodkind@MorganStanley.com
Helping you achieve financial success is my first priority. Morgan Stanley has meaningful intelligence about every major asset class and a presence in every major market, as well as investment research from some of the world’s most respected analysts. Together, we will formulate a strategy to help you achieve your most important goals and then deliver a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve.
Securities Agent: MA, CO, WA, VT, MN, DC, CA, NJ, VI, UT, OH, NH, RI, OR, NY, NC, KS, WY, NV, ME, ID, FL, AZ, VA, SD, PR, OK, GA, TX, SC, NM, NE, ND, MI, LA, IA, DE, WI, PA, MT, KY, AK, MS, MD, IL, HI, CT, AR, AL, WV, MO, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 372911
NMLS#: 372911
About Nichole S. Godwin
Nichole S. Godwin
Phone: (407) 849-4761
Nichole.Godwin@MorganStanley.com
As a Portfolio Associate, Nichole focuses on building strong client relationships by modernizing the client experience through an elevated standard of care. She handles a broad array of operational and service-related responsibilities but is committed to providing outstanding service to each client through her attention to detail.
She holds a B.S. degree in Management and Organizational Leadership from St. Petersburg College. Nichole began her career in the financial industry in 2013 with Morgan Stanley in Winston Salem, North Carolina. After moving back home to Florida, she has continued her career with Morgan Stanley providing support in both the Winter Park and Orlando, FL office. She holds the Series 7, Series 66 and Series 3 licenses. In addition, Nichole has obtained the internal designation of Financial Planning Specialists through continued professional development.
Nichole is a wife and mother of two who enjoys spending time with family and friends in the sun—especially at the Gulf Coast beaches.
Phone: (407) 849-4761
Nichole.Godwin@MorganStanley.com
As a Portfolio Associate, Nichole focuses on building strong client relationships by modernizing the client experience through an elevated standard of care. She handles a broad array of operational and service-related responsibilities but is committed to providing outstanding service to each client through her attention to detail.
She holds a B.S. degree in Management and Organizational Leadership from St. Petersburg College. Nichole began her career in the financial industry in 2013 with Morgan Stanley in Winston Salem, North Carolina. After moving back home to Florida, she has continued her career with Morgan Stanley providing support in both the Winter Park and Orlando, FL office. She holds the Series 7, Series 66 and Series 3 licenses. In addition, Nichole has obtained the internal designation of Financial Planning Specialists through continued professional development.
Nichole is a wife and mother of two who enjoys spending time with family and friends in the sun—especially at the Gulf Coast beaches.
About Jacob Martin
Jacob Martin
Phone: (816) 932-7880
Jacob.Martin@morganstanley.com
Jacob Martin is a Client Service Associate who has been supporting Morgan Stanley Clients since 2021. Jacob Graduated from The University of Missouri-Kansas City with a Bachelor's degree in Business Administration with an emphasis in Finance. He currently lives in Lee's Summit Missouri. Jacob is focused on delivering exceptional service and providing a seamless experience to clients.
Phone: (816) 932-7880
Jacob.Martin@morganstanley.com
Jacob Martin is a Client Service Associate who has been supporting Morgan Stanley Clients since 2021. Jacob Graduated from The University of Missouri-Kansas City with a Bachelor's degree in Business Administration with an emphasis in Finance. He currently lives in Lee's Summit Missouri. Jacob is focused on delivering exceptional service and providing a seamless experience to clients.
Contact William Brewster
Contact William J. Brewster III
Contact Scott Goodkind
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
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
Greg Cole
Private Banker
About Greg Cole
Greg Cole is a Private Banker serving Morgan Stanley Wealth Management offices in Missouri.
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.
Greg began his career in financial services in 1999 and joined Morgan Stanley in 2011. Prior to joining the firm, he was a Regional Banking Consultant at Wells Fargo Advisors. Greg has also served as an Area Manager with JP Morgan Chase and was a Senior Mortgage Consultant in the Smith Barney division at CitiMortgage.
Greg is a graduate of Rockhurst University, where he received a Bachelor of Arts in Psychology. He and his family currently reside in O’Fallon, Missouri. Outside of the office, Greg enjoys spending time with his family and friends.
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.
Greg began his career in financial services in 1999 and joined Morgan Stanley in 2011. Prior to joining the firm, he was a Regional Banking Consultant at Wells Fargo Advisors. Greg has also served as an Area Manager with JP Morgan Chase and was a Senior Mortgage Consultant in the Smith Barney division at CitiMortgage.
Greg is a graduate of Rockhurst University, where he received a Bachelor of Arts in Psychology. He and his family currently reside in O’Fallon, Missouri. Outside of the office, Greg enjoys spending time with his family and friends.
NMLS#: 801927
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
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
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
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 Brewster Group today.
1Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley’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.
4Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
9Morgan 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.
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
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley’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.
4Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
9Morgan 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.
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)