Scott Kleiner
Managing Director, Private Wealth Management, Private Wealth Advisor, Family Wealth Director, Lending Specialist, Global Sports and Entertainment Director
Phone:
(212) 603-6171(212) 603-6171
Morgan Stanley Private Wealth Management
The Bridge Group
Direct:
(212) 603-6175(212) 603-6175
Toll-Free:
(800) 843-0211(800) 843-0211
Industry Award WinnerOur Mission Statement
A boutique advisory practice within a global financial leader, we deliver the experience, exceptional service and comprehensive resources needed to help you reach your goals.
Our Story
The Bridge Group serves as the team you can rely upon to help you address the complex, multi-generational challenges of managing significant wealth. This involves providing access to the vast resources of our firm, but also supporting you with our own experienced perspective on wealth transfer, family dynamics, philanthropy, asset allocation, manager selection and other important areas of concern. Our goal is to help you preserve and prudently grow your capital, maintain your lifestyle and support the people, causes and institutions that add meaning to your life.
• We work closely with your other advisors and/or family office, to create
and maintain a comprehensive wealth management solution that touches
virtually every aspect of your financial life.
• We deliver aggregated performance reporting and customized data
analytics across all of your assets, foreign and domestic, and related
entities.
• We offer unbiased advise with integrity based solely on your best
interests.
• We offer planning solutions based on a robust understanding of complex
family and business structures.
• We provide direct access to the extensive range of highly accomplished
specialists at our firm.
• We will strive to provide a comforting, collegial and stress-free
environment
We look forward to meeting you, learning more about your personal and professional aspirations, and discussing how we can help reach them.
• We work closely with your other advisors and/or family office, to create
and maintain a comprehensive wealth management solution that touches
virtually every aspect of your financial life.
• We deliver aggregated performance reporting and customized data
analytics across all of your assets, foreign and domestic, and related
entities.
• We offer unbiased advise with integrity based solely on your best
interests.
• We offer planning solutions based on a robust understanding of complex
family and business structures.
• We provide direct access to the extensive range of highly accomplished
specialists at our firm.
• We will strive to provide a comforting, collegial and stress-free
environment
We look forward to meeting you, learning more about your personal and professional aspirations, and discussing how we can help reach them.
Capabilities
- Family Governance & Wealth Education
- Tax, Trust & Estate AdvisoryFootnote1
- Consolidated Reporting
- Risk Management
- Philanthropic Services
- Comprehensive Wealth Planning
- Tailored LendingFootnote2
- Investment Management
- Insurance SolutionsFootnote3
- Alternative InvestmentsFootnote4
- Cash Management & LendingFootnote5
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
About PWM
Founded in 1977, Private Wealth Management is the division of Morgan Stanley Wealth Management that is dedicated to serving the firm’s most affluent clients, including some of the world’s most accomplished entrepreneurs, executives and stewards of multigenerational wealth. Functioning as an exclusive investment boutique within a global financial firm, we deliver sophisticated solutions that leverage the intellectual capital and insight of Morgan Stanley’s substantial global resources. Drawing on a deep understanding of your financial life, our goal is to help you:
- Manage investments with an unwavering focus on your financial strategy and personal goals
- Create comprehensive, multigenerational wealth management plans based on your needs, challenges and the values that guide your life and legacy
- Simplify financial complexity to help you achieve clarity and control
Private Wealth Management Highlights
- Approximately 300 teams specialized in assisting individuals and families with $20MM+ in investable assets
- Over $1.2 trillion in AUM
- Comprising 26% of the Barron’s Top 100 Financial Advisors list for 2025
- Direct access to ultra high net worth experts in philanthropy, family dynamics, wealth transfer, lifestyle advisory and other areas of interest to ultra high net worth families
1 Morgan Stanley Wealth Management, September 2025
Source: Barron's (Awarded March 2025) This ranking was determined based on an evaluation process conducted by Barron's for the period Oct 2023-Sept 2024. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on an algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the assessment of Barron's and may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
Approach
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 plans.
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 ensure that your strategy adapts to changing financial and family needs.
Scott Kleiner Named to Forbes Magazine’s List of Best-in-State Wealth Advisors
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Scott Kleiner Named to Forbes Magazine’s List of Best-in-State Wealth Advisors
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Family Office Resources
We deliver the full range of services to help address different aspects of your financial life: strategies to invest assets, but also to help mitigate taxes, transfer wealth, enhance philanthropic impact, reduce family conflict and manage the affluent lifestyle.
Disclaimer:
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Disclaimer:
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Location
1585 Broadway
22nd Floor
New York, NY 10036
US
Direct:
(212) 603-6175(212) 603-6175
Toll-Free:
(800) 843-0211(800) 843-0211
Fax:
(917) 267-7162(917) 267-7162
Meet The Bridge Group
Adam Ronzoni
Senior Vice President, Wealth Management, Private Wealth Advisor, Global Sports and Entertainment Director
Phone:
(212) 603-6174(212) 603-6174
Vice President, Financial Advisor, Financial Planning Specialist, Chartered Financial Analyst, Global Sports and Entertainment Associate Director
Phone:
(212) 307-3923(212) 307-3923
Stephanie Osorio
Vice President, Private Wealth Management Chief of Staff
Phone:
(212) 603-6175(212) 603-6175
Blake Venick
Vice President, Private Wealth Management Investment Consultant
Phone:
(212) 230-3759(212) 230-3759
Aubrey Maher
Client Service Associate
Phone:
(212) 230-3737(212) 230-3737
About Scott Kleiner
With over 40 years of wealth management experience, Scott is very familiar with the complex challenges of managing significant wealth. He brings that understanding to a select group of highly accomplished families and individuals, helping them customize a plan to address their specific needs and pursue their aspirations. His goal is to serve as a close advisor who is always available to help clients make confident, well-informed decisions.
Scott leads one of the approximately 300 teams that comprise Morgan Stanley Private Wealth Management. He has also been recognized by Forbes as a Best-In-State Wealth Advisor since 2020, 2021, 2022, 2024, and 2025.
Scott began his wealth advisory career in 1986 with Drexel, Burnham, a predecessor firm of Morgan Stanley, shortly after receiving his Bachelor of Arts degree in Classics from Beloit College. He has regularly volunteered at a local breakfast program that serves NYC’s less fortunate for the past 35 years, and served on the Board of Heights and Hills, a Brooklyn social services agency that promotes successful aging in the community.
Disclaimers:
2020-2022 and 2024-2025 Forbes Bet-In State Wealth AdvisorsSource: Forbes.com (Awarded 2020-2022 and 2024-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award. Please refer to important criteria and methodology at the end of the material.
Scott leads one of the approximately 300 teams that comprise Morgan Stanley Private Wealth Management. He has also been recognized by Forbes as a Best-In-State Wealth Advisor since 2020, 2021, 2022, 2024, and 2025.
Scott began his wealth advisory career in 1986 with Drexel, Burnham, a predecessor firm of Morgan Stanley, shortly after receiving his Bachelor of Arts degree in Classics from Beloit College. He has regularly volunteered at a local breakfast program that serves NYC’s less fortunate for the past 35 years, and served on the Board of Heights and Hills, a Brooklyn social services agency that promotes successful aging in the community.
Disclaimers:
2020-2022 and 2024-2025 Forbes Bet-In State Wealth AdvisorsSource: Forbes.com (Awarded 2020-2022 and 2024-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award. Please refer to important criteria and methodology at the end of the material.
Securities Agent: ID, NC, RI, FL, CT, CA, PA, VA, TN, OR, MT, IA, VT, AL, OH, NV, MD, MA, NM, IL, NJ, ND, AZ, WY, SD, NH, DE, AK, KY, NY, MI, UT, NE, GA, CO, TX, SC, OK, KS, HI, DC, WA, MO; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1282841
NMLS#: 1282841
About Adam Ronzoni
Adam Ronzoni brings over 27 years of experience as a Portfolio Manager and Financial Advisor to the service of The Bridge Group’s clients. Adam’s focuses on creating and implementing highly customized investment strategies to help affluent families preserve and prudently grow their assets. Understanding that markets are inherently volatile and unpredictable, Adam takes great pride in providing the team’s clients with an experienced perspective and steady guidance throughout the decision-making process.
Adam began his career at Citigroup Asset Management in 1998, gaining extensive experience in asset allocation, portfolio construction and manager selection. This experience convinced him that a disciplined process, complemented by the control of behavioral investment pitfalls, can increase an investor’s probability for successful outcomes. Moving to Morgan Stanley, Adam helped create a specialized tax overlay within the firm’s Unified Managed Account program, an innovation that enables clients to coordinate tax-sensitive trading within a multi-style portfolio. This work confirmed his belief that the impact of taxes on investment performance is underappreciated, and still informs his efforts to help clients optimize their after-tax returns. As, the maxim suggests, “It is not what you earn but what you keep that truly matters.”
Adam earned his Bachelor of Arts in Psychology from Haverford College and his Master of Business Administration in Finance from Fordham Business School. He lives in Manhattan with his wife and their two children. In Adam’s free time, he can be found with his family, skiing, walking his dogs and stand-up paddle boarding.
Adam began his career at Citigroup Asset Management in 1998, gaining extensive experience in asset allocation, portfolio construction and manager selection. This experience convinced him that a disciplined process, complemented by the control of behavioral investment pitfalls, can increase an investor’s probability for successful outcomes. Moving to Morgan Stanley, Adam helped create a specialized tax overlay within the firm’s Unified Managed Account program, an innovation that enables clients to coordinate tax-sensitive trading within a multi-style portfolio. This work confirmed his belief that the impact of taxes on investment performance is underappreciated, and still informs his efforts to help clients optimize their after-tax returns. As, the maxim suggests, “It is not what you earn but what you keep that truly matters.”
Adam earned his Bachelor of Arts in Psychology from Haverford College and his Master of Business Administration in Finance from Fordham Business School. He lives in Manhattan with his wife and their two children. In Adam’s free time, he can be found with his family, skiing, walking his dogs and stand-up paddle boarding.
Securities Agent: GA, WY, WA, UT, SC, HI, CT, AZ, TX, NE, ID, VT, VA, TN, SD, OH, NM, MO, IL, PA, DC, OR, NJ, ND, MI, CO, MD, NC, IA, DE, CA, AL, MT, MA, KY, KS, FL, AK, OK, NH, NY, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1282436
NMLS#: 1282436
About Joel Kamor
Joel Kamor brings over 35 years of institutional investing and wealth management experience to the team. A Chartered Financial Analyst,® and drawing upon a sophisticated understanding of global financial markets, Joel conducts due diligence on investment managers and alternative strategies and assists clients in the creation and implementation of highly customized financial plans and investment strategies. Joel also holds the QPFC designation (Qualified Plan Financial Consultant), creating and updating qualified plans such as 401k, Profit-Sharing and Defined Benefit Plans for clients.
Joel began his financial services career at Morgan Stanley, working on the International Trading desk, among other roles. He moved to Citibank, where he traded technology and financial stocks during the Dot-Com era on behalf of institutional clients, then on to Sandler O’Neill, where he traded financial stocks during the post 9-11 rebuild. Joel later served as the financial sector specialist at Oppenheimer during the 2008 financial crisis. In 2011, he joined a hedge fund, where he worked as a senior analyst and trader. He returned to Morgan Stanley to join the Bridge Group in 2016.
Joel earned his MBA from New York University’s Stern School of Business and a Bachelors degree from Binghamton University. He has a strong interest in exploring technology and continues to study new applications. Joel holds the rank of Sandan (third-degree black belt) in Shotokan Karate. He teaches his art to community youth via the nonprofit Police Activity League (PAL). An avid runner, Joel has completed two marathons, competes in beach and indoor volleyball, plays hockey year-round and enjoys skiing in the winter.
Joel began his financial services career at Morgan Stanley, working on the International Trading desk, among other roles. He moved to Citibank, where he traded technology and financial stocks during the Dot-Com era on behalf of institutional clients, then on to Sandler O’Neill, where he traded financial stocks during the post 9-11 rebuild. Joel later served as the financial sector specialist at Oppenheimer during the 2008 financial crisis. In 2011, he joined a hedge fund, where he worked as a senior analyst and trader. He returned to Morgan Stanley to join the Bridge Group in 2016.
Joel earned his MBA from New York University’s Stern School of Business and a Bachelors degree from Binghamton University. He has a strong interest in exploring technology and continues to study new applications. Joel holds the rank of Sandan (third-degree black belt) in Shotokan Karate. He teaches his art to community youth via the nonprofit Police Activity League (PAL). An avid runner, Joel has completed two marathons, competes in beach and indoor volleyball, plays hockey year-round and enjoys skiing in the winter.
Securities Agent: FL, VA, UT, SD, SC, OR, OK, NM, HI, GA, WA, NJ, NH, MO, CT, AL, MT, MD, ID, IA, NE, MI, MA, DC, CO, VT, KS, IL, TN, DE, CA, KY, WY, TX, OH, NY, NC, AZ, AK, PA, NV, ND; General Securities Representative; Investment Advisor Representative
NMLS#: 1739955
NMLS#: 1739955
About Stephanie Osorio
Stephanie Osorio joined Morgan Stanley in 2007, where she is currently the Chief of Staff for The Bridge Group. Stephanie is an innovative problem solver with a distinct approach to delivering an outstanding service experience. These skills are particularly important during the onboarding process and follow-up, when she works to effect a smooth transition and make certain that clients are taking advantage of the firm’s extensive digital capabilities. Stephanie’s strong work ethic, high standards and exceptional skills are an asset to her clients. She also serves as a coordinator between the advisors and staff, ensuring all business matters are directed to the appropriate team member, addressed properly and efficiently.
Stephanie graduated from Montclair State University with a Bachelor of Science degree in finance and is fluent in Spanish. She lives with her husband and son in New Jersey. In her spare time, she enjoys traveling and spending time with her family and friends.
She holds series 7, 63 & 65 licenses as well as being NYS insurance licensed.
Stephanie graduated from Montclair State University with a Bachelor of Science degree in finance and is fluent in Spanish. She lives with her husband and son in New Jersey. In her spare time, she enjoys traveling and spending time with her family and friends.
She holds series 7, 63 & 65 licenses as well as being NYS insurance licensed.
About Blake Venick
Blake oversees a full range of banking and lending solutions, tailored to support each client’s unique financial goals. He assists with manager and investment selection, helping build portfolios aligned with long-term objectives. Additionally, Blake creates customized performance reports to develop clear insights for tracking progress and support confident decision-making. His work reflects a thoughtful, integrated approach to private wealth management.
Prior to his current role, Blake worked in Private Mortgage Banking at Wells Fargo and served as a Senior Relationship Manager in the Private Bank at Morgan Stanley.
He holds a Bachelor of Science in Agricultural and Resource Economics with a minor in Sustainability from the University of Maryland. Based in Manhattan with his wife, Blake enjoys attending sporting events and traveling in his free time.
Prior to his current role, Blake worked in Private Mortgage Banking at Wells Fargo and served as a Senior Relationship Manager in the Private Bank at Morgan Stanley.
He holds a Bachelor of Science in Agricultural and Resource Economics with a minor in Sustainability from the University of Maryland. Based in Manhattan with his wife, Blake enjoys attending sporting events and traveling in his free time.
About Aubrey Maher
Aubrey Maher is a recent graduate from Penn State University where she received a Bachelor of Science in Finance. She joined The Bridge Group as a Client Service Associate and assists in the support and service functions on the team. Aubrey is committed to delivering excellent client service with her detail-oriented and efficient approach.
Originally from Bucks County, PA, Aubrey now resides in New York City and in her spare time enjoys traveling and spending time with family and friends.
Originally from Bucks County, PA, Aubrey now resides in New York City and in her spare time enjoys traveling and spending time with family and friends.
Contact Scott Kleiner
Contact Adam Ronzoni
Contact Joel Kamor
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2024-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Private Wealth Management
Professional Insights
Municipal Bond Monthly
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
Private Wealth Management Podcast
Bringing you engaging stories and key insights surrounding the complexities associated with significant wealth, including:
- Intergenerational Planning
- Philanthropic Giving
- Non-Traditional Assets
- Managing Family Wealth
Managing Significant Wealth
- Investment Management
- Wealth Transfer & Philanthropy
- Cash Management & Lending
- Family Governance & Wealth Education
- Lifestyle Advisory
- Business Services
PWM Leadership Insights & Outcomes
Article Image
Insights and Outcomes
Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
1Morgan Stanley Smith Barney LLC and its affiliates and their employees (including Financial Advisors and Private Wealth Advisors) are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.
2Tailored Lending is a loan/line of credit product offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. A Tailored Lending credit facility may be a committed or demand loan/line of credit. All Tailored Lending loans/lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Tailored Lending loans/lines of credit may not be available in all locations. Rates, terms, and programs are subject to change without notice. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is a Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. The proceeds from a Tailored Lending loan/line of credit (including draws and other advances) may not be used to purchase, trade, or carry margin stock; repay margin debt that was used to purchase, trade, or carry margin stock; and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Alternative 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.
5Morgan 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
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.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
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.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
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
Awards Disclosures | Morgan Stanley
2Tailored Lending is a loan/line of credit product offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. A Tailored Lending credit facility may be a committed or demand loan/line of credit. All Tailored Lending loans/lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Tailored Lending loans/lines of credit may not be available in all locations. Rates, terms, and programs are subject to change without notice. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is a Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. The proceeds from a Tailored Lending loan/line of credit (including draws and other advances) may not be used to purchase, trade, or carry margin stock; repay margin debt that was used to purchase, trade, or carry margin stock; and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Alternative 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.
5Morgan 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
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.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
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.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
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
Awards Disclosures | Morgan Stanley
CRC 4677197 (7/2025)
