Joe Kennelly, CFP®, CPM®, ADPA®
Executive Director, Wealth Management, Financial Advisor, Family Wealth Director
Phone:
(201) 967-6280(201) 967-6280
The Hudson Ridge Group at Morgan Stanley
Direct:
(201) 967-6792(201) 967-6792
Toll-Free:
(800) 526-0829(800) 526-0829
Industry Award WinnerOur Mission Statement
Our mission is to help as many people as possible, grow and preserve the wealth of our clients, and have fun while doing it.
WELCOME
The Hudson Ridge Group is an 7-person wealth management team entrusted with client assets exceeding $1 billion as of July 2025. We pride ourselves on bringing a full suite of world class advisory services and customized strategies to help our clients fulfill their personal and financial goals. With over 75+ years of combined industry experience, our team applies a disciplined investment approach driven by proactive financial planning. Understanding the unique generational needs of each client, we are well prepared to help them protect the wealth they created while generating the income needed to support their desired lifestyle and charitable endeavors.
We think of our team as an extended family. Our name represents our history. "Hudson" represents how our team is connected by the beautiful Hudson River, with our presence in both New York and New Jersey. "Ridge" is homage to where our founding partners were brought together on Ridgewood Avenue. The Hudson Ridge Group serves as a boutique group and family office within a global investment powerhouse.
Services Include
- Retirement PlanningFootnote1
- Financial PlanningFootnote2
- Wealth ManagementFootnote3
- Executive Financial ServicesFootnote4
- Professional Portfolio ManagementFootnote5
- Divorce Financial AnalysisFootnote6
- LGBT+ Planning ServicesFootnote7
- Sustainable InvestingFootnote8
- 401(k) Rollovers
- 529 PlansFootnote9
- Cash Management and Lending ProductsFootnote10
- Estate Planning StrategiesFootnote11
- Fixed IncomeFootnote12
- Municipal BondsFootnote13
- Alternative InvestmentsFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
We address a range of client circumstances across generations. Many of our clients are successful, professional women and men and their families. Many of them are in the prime of their careers and seeking to accumulate as much as they can for retirement, their family or to simply enhance their lifestyles. Or they may be retired, but want to be sure they will not outlive their money while gifting to family and causes that are important to them. For these clients, it’s hard to have perspective in a vacuum, so we collaborate on their investments and plans to provide information for effective decision making. We take the time to educate our clients on the issues they face.
Multi-Generational Families
Our practice is committed to addressing the needs of all generations within the families we serve. Whether you are considering retiring from your job or transitioning your business to your family, or if you are concerned about ensuring that your family is financially savvy with the wealth they may be gifted or inherit, we are here to help. We work across generations to guide, educate and service everyone to ensure that your legacy continues.
Women
Part of our practice focuses on the financial needs of women. We have found that independent women often feel as though they have been underserved, and finding simple, objective and trustworthy information can be overwhelming. Our team brings a multitude of resources and experience in financial planning and investment strategies for single, divorced and widowed women.
Professionals Planning for Retirement
Retirement can be tricky and potentially overwhelming. We guide professionals and business owners through the retirement process to help them determine the best saving and financial planning options, working with them to striving to make the process smooth and simple.
Sudden Wealth
Business owners who are selling their companies and determining how to invest their proceeds for further business opportunities, generational wealth transfers, or retirement. Recipients of an inheritance, divorce settlement, or insurance payouts. Lottery winners, entertainers, and athletes receiving large lump sums, continual payouts, or entering contracts.
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Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
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Paramus, New Jersey -- Morgan Stanley announced today that Joe Kennelly and Sarah Beane Ricca, Senior Vice Presidents in the Firm’s Wealth Management Paramus office, have earned Morgan Stanley’s Family Wealth Director (FWD) designation.
“This is an exceptional achievement for Joe Kennelly and Sarah Beane Ricca and an attestation of their commitment to today’s high net worth families. Joe and Sarah have demonstrated a sophisticated approach to the management of significant wealth that helps to set them apart from others within the industry,” said Rich Less, Complex Manager.
Designated Family Wealth Directors must demonstrate professional knowledge and experience in a range of wealth management solutions including estate planning strategies, alternative investments, control and restricted securities, lending, hedging and monetization, and business succession planning.
The FWD designation entitles Joe Kennelly and Sarah Beane Ricca to specialized access to a variety of family advisory services including, family governance and wealth education, philanthropy management and lifestyle advisory.
Joe and Sarah have been members of the financial services industry for a combined 40 years. As Financial Advisors with Morgan Stanley, they offer a full suite of financial planning and investment services to individual clients, institutions, foundations and endowments.
“This is an exceptional achievement for Joe Kennelly and Sarah Beane Ricca and an attestation of their commitment to today’s high net worth families. Joe and Sarah have demonstrated a sophisticated approach to the management of significant wealth that helps to set them apart from others within the industry,” said Rich Less, Complex Manager.
Designated Family Wealth Directors must demonstrate professional knowledge and experience in a range of wealth management solutions including estate planning strategies, alternative investments, control and restricted securities, lending, hedging and monetization, and business succession planning.
The FWD designation entitles Joe Kennelly and Sarah Beane Ricca to specialized access to a variety of family advisory services including, family governance and wealth education, philanthropy management and lifestyle advisory.
Joe and Sarah have been members of the financial services industry for a combined 40 years. As Financial Advisors with Morgan Stanley, they offer a full suite of financial planning and investment services to individual clients, institutions, foundations and endowments.
Family Office Resources for Family Wealth Directors
Our knowledge, expertise and exclusive access to the extensive resources of Morgan Stanley's Family Office Resources group allows us to provide custom solutions for virtually any client need. Our integrated approach addresses all aspects of wealth management, designed to allow our clients to focus on what matters most to them; their family, a business or a passion.
Learn more about our capabilitiesSingle Family Office Best Practice Report
There is no simple formula to follow when creating or maintaining a single family office. In fact, some family offices are formed explicitly because the existing service models do not sufficiently address the family’s unique needs. As a result, each single family office inevitably reflects the individual objectives, personalities and dynamics of the family that establishes it. This guidebook provides a broad survey of best practices across a wide variety of topics, addressing the key questions that clients raise most often.
Read the report hereFamily Governance
For many UNHW families the most difficult wealth planning challenges relates to human capital, not financial capital, which means they involve managing the complex mix of issues relating to the impact that wealth has on the family not the wealth itself.
Learn more here
Upcoming Firm Events
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Check back soon for details on upcoming events.
Location
61 South Paramus Road, 3rd
Fl
Paramus, NJ 07652
US
Direct:
(201) 967-6792(201) 967-6792
Toll-Free:
(800) 526-0829(800) 526-0829
Meet The Hudson Ridge Group
Sarah Beane Ricca, CDFA®, CFP®
Senior Vice President, Financial Advisor, Family Wealth Director, Insurance Planning Director
Phone:
(201) 967-6792(201) 967-6792
John J. Benigno, CFP®
Financial Advisor, Portfolio Manager
Phone:
(201) 967-6248(201) 967-6248
John Baratta
Financial Advisor
Phone:
(201) 967-6201(201) 967-6201
Suzanne Nicholson
Wealth Management Associate
Phone:
(201) 967-6276(201) 967-6276
Theresa Franco
Senior Client Service Associate
Phone:
(201) 967-3357(201) 967-3357
Michelle Villanueva
Senior Client Service Associate
Phone:
(201) 967-2132(201) 967-2132
About Joe Kennelly
Joe Kennelly has over 30 years of experience with Morgan Stanley and its predecessor firms. In addition to his career as a Financial Advisor, Joe’s previous experience as an accountant and small business owner helps him better understand the diverse needs of his clients and provide comprehensive financial planning and tailored investment solutions.
Joe believes experience alone is not enough to provide the highest standard of care and solutions for his clients. He is dedicated to continuous education and learning. He completed the CFP Professional Education Program at the College for Financial Planning and is a CERTIFIED FINANCIAL PLANNER™ professional, holds a BSBA degree in Finance from Thomas Edison State University and is a firm Senior Portfolio Manager Director. He also maintains the Certified Portfolio Manager designation (CPM®), a collaboration of the Academy of Certified Portfolio Managers and Columbia University. Joe is also a part of a select group of fewer than 5% of Morgan Stanley Financial Advisors who have completed the Family Wealth Director Program.
Joe recently completed the Accredited Domestic Partnership Advisor™ designation which focuses on the needs of unmarried, coupled persons. In addition, Joe regularly audits relevant online courses and is an ardent reader of history and markets.
Joe and his wife, Theresa, live in Bergen County and have three independent adult children. Joe enjoys spending time outdoors, traveling with his family, golfing with long-time friends and following the travails of the Boston Red Sox. Joe volunteers for various organizations, including Habitat for Humanity, YCS and CUMAC.
Joe believes experience alone is not enough to provide the highest standard of care and solutions for his clients. He is dedicated to continuous education and learning. He completed the CFP Professional Education Program at the College for Financial Planning and is a CERTIFIED FINANCIAL PLANNER™ professional, holds a BSBA degree in Finance from Thomas Edison State University and is a firm Senior Portfolio Manager Director. He also maintains the Certified Portfolio Manager designation (CPM®), a collaboration of the Academy of Certified Portfolio Managers and Columbia University. Joe is also a part of a select group of fewer than 5% of Morgan Stanley Financial Advisors who have completed the Family Wealth Director Program.
Joe recently completed the Accredited Domestic Partnership Advisor™ designation which focuses on the needs of unmarried, coupled persons. In addition, Joe regularly audits relevant online courses and is an ardent reader of history and markets.
Joe and his wife, Theresa, live in Bergen County and have three independent adult children. Joe enjoys spending time outdoors, traveling with his family, golfing with long-time friends and following the travails of the Boston Red Sox. Joe volunteers for various organizations, including Habitat for Humanity, YCS and CUMAC.
Securities Agent: NJ, PA, WA, MA, FL, AZ, SC, NH, MD, VT, TX, NY, DC, CA, TN, NV, VA, MO, IN, IL, CO, MI, GA, NC, CT, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 1270249
NMLS#: 1270249
About Sarah Beane Ricca
As a CERTIFIED FINANCIAL PLANNER™ and Certified Divorce Financial Analyst®, Sarah offers clients comprehensive financial planning that encompasses virtually every aspect of their financial lives. Sarah’s passion for all things financial began as a kid, where by the age of 8 she was taught how to balance a checkbook and was asking questions about financial markets at the dinner table. A lifelong student of budgeting, financial planning and the markets, today she shares her knowledge with numerous professional groups, women’s organizations, and not-for-profits, speaking frequently on such topics as Women and Wealth, Financial Planning, Leaving a Legacy, World Financial Markets and the Challenges of Divorce.
A cum laude graduate of Wellesley College with a BA in Economics and American Studies, Sarah began her career as a management consultant for Deloitte Consulting focused on client service in the technology space. She then progressed to several technology firms before realizing she wanted to professionally help people and their families achieve greater financial security. She chose to join Morgan Stanley in 2009 where she built a practice before partnering with Financial Advisor, Joe Kennelly, to form The Hudson Ridge Group, a planning-based team of 8 focused on the financial needs of high-net-worth multigenerational families. The Hudson Ridge Group manages over $1.3 billion in client assets as of January 2025.
She chose to join Morgan Stanley in 2009 where she built a practice before partnering with Financial Advisor, Joe Kennelly, to form The Hudson Ridge Group, a planning-based team of 7 focused on the financial needs of women and high-net-worth multigenerational families. The Hudson Ridge Group manages over $1 billion in client assets as of July 2025.
Sarah serves on the Board of Directors of The Valley Hospital in Paramus, NJ, and is also a member of The Valley Hospital President’s Council. Sarah is the co-founder of The Bergen County Professional Women’s Network and conducts an executive women’s breakfast program at Morgan Stanley. She also is a sustaining member of The Junior League of Bergen County where she served as President in 2008 – 2009.
A native Bostonian, Sarah now resides in Ridgewood, NJ with her husband and their dog, Thomas.
A cum laude graduate of Wellesley College with a BA in Economics and American Studies, Sarah began her career as a management consultant for Deloitte Consulting focused on client service in the technology space. She then progressed to several technology firms before realizing she wanted to professionally help people and their families achieve greater financial security. She chose to join Morgan Stanley in 2009 where she built a practice before partnering with Financial Advisor, Joe Kennelly, to form The Hudson Ridge Group, a planning-based team of 8 focused on the financial needs of high-net-worth multigenerational families. The Hudson Ridge Group manages over $1.3 billion in client assets as of January 2025.
She chose to join Morgan Stanley in 2009 where she built a practice before partnering with Financial Advisor, Joe Kennelly, to form The Hudson Ridge Group, a planning-based team of 7 focused on the financial needs of women and high-net-worth multigenerational families. The Hudson Ridge Group manages over $1 billion in client assets as of July 2025.
Sarah serves on the Board of Directors of The Valley Hospital in Paramus, NJ, and is also a member of The Valley Hospital President’s Council. Sarah is the co-founder of The Bergen County Professional Women’s Network and conducts an executive women’s breakfast program at Morgan Stanley. She also is a sustaining member of The Junior League of Bergen County where she served as President in 2008 – 2009.
A native Bostonian, Sarah now resides in Ridgewood, NJ with her husband and their dog, Thomas.
Securities Agent: AZ, FL, AR, VA, UT, TN, MI, MD, CT, NH, CA, PA, MO, MA, DE, DC, SD, NJ, NC, CO, WA, TX, NV, ME, SC, IL, VT, NY, IN, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1279060
NMLS#: 1279060
About John J. Benigno
John (he/him/his) takes the knowledge and insight he has gained through becoming a CERTIFIED FINANCIAL PLANNER™ and applies it to every aspect of how he works with clients at Morgan Stanley. As a key member of The Hudson Ridge Group at Morgan Stanley, John provides comprehensive financial planning and investment management capabilities aimed at addressing the many complexities of our clients’ financial lives. He works with our clients to assist them in building into a strategic plan to achieve their financial goals.
A graduate of Penn State University with a BS in Finance and a focus in Economics, John began his career in equity research at Oppenheimer & Co. assisting the Chief Market Strategist with the preparation of the firm’s internal and external financial market outlook publications. He then began his wealth management career as a Bank Financial Advisor at Bank of America Merrill Lynch providing clients with comprehensive service that allowed them to achieve greater financial independence. He then chose to join Morgan Stanley in 2018 as a Wealth Advisor Associate working directly with clients on their financial planning needs and joined The Hudson Ridge Group as a financial advisor shortly thereafter.
John is born and raised in Bergen County, NJ and currently resides in Mahwah. He enjoys spending time with his family, is an avid car enthusiast and a lifelong musician.
Investments and services offered through Morgan Stanley Smith Barney LLC. Member SIPC.
Morgan Stanley 61 S. Paramus, Road, 3rd Floor, Paramus, NJ 07652 Phone: 201.967.6792
A graduate of Penn State University with a BS in Finance and a focus in Economics, John began his career in equity research at Oppenheimer & Co. assisting the Chief Market Strategist with the preparation of the firm’s internal and external financial market outlook publications. He then began his wealth management career as a Bank Financial Advisor at Bank of America Merrill Lynch providing clients with comprehensive service that allowed them to achieve greater financial independence. He then chose to join Morgan Stanley in 2018 as a Wealth Advisor Associate working directly with clients on their financial planning needs and joined The Hudson Ridge Group as a financial advisor shortly thereafter.
John is born and raised in Bergen County, NJ and currently resides in Mahwah. He enjoys spending time with his family, is an avid car enthusiast and a lifelong musician.
Investments and services offered through Morgan Stanley Smith Barney LLC. Member SIPC.
Morgan Stanley 61 S. Paramus, Road, 3rd Floor, Paramus, NJ 07652 Phone: 201.967.6792
Securities Agent: CO, CT, AZ, DC, DE, FL, GA, IL, IN, MA, MD, MI, MN, MO, NC, CA, NH, NJ, NV, NY, OH, PA, SC, TN, TX, VA, VT, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 1532122
NMLS#: 1532122
About John Baratta
John Baratta’s passion for the financial markets is demonstrated by his three decades of financial industry experience. Through his experience as both a Financial Advisor and institutional stock trader, John is well versed in portfolio management, financial planning, investment research and trade execution. However, his favorite part of his role with The Hudson Ridge Group is the ability build meaningful, long-term relationships with our clients.
John is an outstanding team player, who is consistently committed to addressing both client and team needs. John works with business owners, high net worth individuals and hard-working professionals across the United States, helping them achieve their financial goals and dreams.
John is a graduate of Boston College and New York Law School. He enjoys volunteering and is a Trustee of the Hasbrouck Heights Free Public Library, as well as a member of the recreation Advisory committee for Hasbrouck Heights. John lives in Hasbrouck Heights, NJ with his wife Barbara and their 2 children.
John is an outstanding team player, who is consistently committed to addressing both client and team needs. John works with business owners, high net worth individuals and hard-working professionals across the United States, helping them achieve their financial goals and dreams.
John is a graduate of Boston College and New York Law School. He enjoys volunteering and is a Trustee of the Hasbrouck Heights Free Public Library, as well as a member of the recreation Advisory committee for Hasbrouck Heights. John lives in Hasbrouck Heights, NJ with his wife Barbara and their 2 children.
Securities Agent: WY, TN, MD, GA, AK, NE, MN, FL, VT, UT, OH, NV, NJ, AR, NY, MT, MI, MO, IL, IA, CO, WA, TX, OR, NH, DE, CT, SC, RI, OK, MA, LA, KY, AL, IN, VA, PA, NC, DC, CA, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 577688
NMLS#: 577688
About Suzanne Nicholson
Suzanne has been with Morgan Stanley for almost a decade and is now on the team as a Wealth Management Associate. Suzanne started in banking at Bank of America, then worked at Wells Fargo on a trading desk before moving on to Merrill Lynch as an Investment Advisor.
As a Wealth Management Associate, Suzanne helps modernize the client experience through an elevated client service model. Suzanne cultivates and enhances new and existing client relationships through active communication with clients, preparation of client reports and meeting documents, and providing general guidance. Additionally, Suzanne supports clients’ needs including cash management products and services, as well as trade execution.
Outside of the office, Suzanne loves spending time with her family and friends, and she volunteers for Shelter for Hope & Safety and has served as the Vice President of a March for Dimes Team for 15 years.
As a Wealth Management Associate, Suzanne helps modernize the client experience through an elevated client service model. Suzanne cultivates and enhances new and existing client relationships through active communication with clients, preparation of client reports and meeting documents, and providing general guidance. Additionally, Suzanne supports clients’ needs including cash management products and services, as well as trade execution.
Outside of the office, Suzanne loves spending time with her family and friends, and she volunteers for Shelter for Hope & Safety and has served as the Vice President of a March for Dimes Team for 15 years.
About Theresa Franco
As a Senior Client Service Associate, Teri has offered clients proactive and reliable service since 1992. Teri began her career at Morgan Stanley as an office receptionist and was quickly promoted to Client Service Associate. Her first role as a Client Service Associate was supporting eight rookie financial advisors. After surviving this assignment, she began supporting more seasoned and experienced Financial Advisors in all aspects of client service. Teri joined Sarah Beane Ricca’s practice in 2011, and together they strive to provide exceptional service for their clients.
Always a team player, Teri enjoys the camaraderie of the team environment, as well as working together to achieve common goals. She is focused on the client relationships, and brings excellent problem solving skills to meet both client and team objectives.
Teri is the Founder and President of The Nikki Franco Foundation, a 501c3 nonprofit focused on raising scholarship funds in the name of her late daughter, Nikki. In her free time, she enjoys lounging by her pool, and hanging out with her grown children and 9 grandchildren. Teri lives in Park Ridge, NJ with her husband, Steve.
Always a team player, Teri enjoys the camaraderie of the team environment, as well as working together to achieve common goals. She is focused on the client relationships, and brings excellent problem solving skills to meet both client and team objectives.
Teri is the Founder and President of The Nikki Franco Foundation, a 501c3 nonprofit focused on raising scholarship funds in the name of her late daughter, Nikki. In her free time, she enjoys lounging by her pool, and hanging out with her grown children and 9 grandchildren. Teri lives in Park Ridge, NJ with her husband, Steve.
About Michelle Villanueva
As a Senior Client Service Associate, Michelle has delivered exceptional client service for the firm since 1999. She plays a vital role in providing superior client service, fostering regular communications, maintaining accounts, and troubleshooting whatever issues clients may bring to the team. Additionally, Michelle has a focus on assisting clients with our secure, digital offerings like Morgan Stanley Online and Morgan Stanley Mobile. She also speaks conversational Spanish.
Michelle loves spending time with her teenage daughter and is an avid Yankee fan. She is also an active volunteer in our local Morgan Stanley branch, serving meals at a local youth home and working with Operation Goody Bag, an organization that serves the military.
Michelle loves spending time with her teenage daughter and is an avid Yankee fan. She is also an active volunteer in our local Morgan Stanley branch, serving meals at a local youth home and working with Operation Goody Bag, an organization that serves the military.
Contact Joe Kennelly
Contact Sarah Beane Ricca
Contact John J. Benigno
Contact John Baratta
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2024-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisors
2024-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 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.
Forbes America's Top Women Wealth Advisors
2021-2025 Forbes America's Top Women Wealth Advisors (formerly referred to as Forbes Top Women Wealth Advisors) Source: Forbes.com (Awarded 2021-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in September of year prior to the issuance of the award.
3
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
Don Janevski
Private Banker
Adam Guralnick
Private Banker
Jake Barone
Planning Associate
About Don Janevski
Don Janevski is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
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.
Don began his career in financial services in 2003 and joined Morgan Stanley in 2015 as an Associate Private Banker. Prior to joining the firm, he was a Mortgage Loan Consultant and a Mortgage Product Specialist with Silver Financial Capital Group, as well as a Branch Manager with First Lenders Mortgage.
Don is a graduate of the Montclair State University, where he received a Bachelor of Business Administration in Marketing and Management. He lives in Emerson, NJ with his family. Outside of the office, Don enjoys spending time with family and friends, exercising and painting.
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.
Don began his career in financial services in 2003 and joined Morgan Stanley in 2015 as an Associate Private Banker. Prior to joining the firm, he was a Mortgage Loan Consultant and a Mortgage Product Specialist with Silver Financial Capital Group, as well as a Branch Manager with First Lenders Mortgage.
Don is a graduate of the Montclair State University, where he received a Bachelor of Business Administration in Marketing and Management. He lives in Emerson, NJ with his family. Outside of the office, Don enjoys spending time with family and friends, exercising and painting.
NMLS#: 197095
About Adam Guralnick
Adam Guralnick is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
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.
Adam began his career in financial services in 2002, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Wealth Management Banker at UBS. He also served as a UHNW Associate Private Banker at Citi Private Bank and a Merrill Lynch Banking Advisor.
Adam is a graduate of the University at Buffalo, where he received a Bachelor of Arts in Communication and a Master of Arts in Informatics. He lives in Livingston, New Jersey with his family. Outside of the office, Adam enjoys traveling, sports, and spending time with his family.
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.
Adam began his career in financial services in 2002, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Wealth Management Banker at UBS. He also served as a UHNW Associate Private Banker at Citi Private Bank and a Merrill Lynch Banking Advisor.
Adam is a graduate of the University at Buffalo, where he received a Bachelor of Arts in Communication and a Master of Arts in Informatics. He lives in Livingston, New Jersey with his family. Outside of the office, Adam enjoys traveling, sports, and spending time with his family.
NMLS#: 1114313
About Jake Barone
Jake Barone is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Jake provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from The University of Rhode Island and received the Financial Planning Specialist® designation from the College for Financial Planning. Jake is originally from New York and currently resides in Monroe, New York.
He earned his undergraduate degree from The University of Rhode Island and received the Financial Planning Specialist® designation from the College for Financial Planning. Jake is originally from New York and currently resides in Monroe, New York.
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.
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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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When 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.
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When 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.
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
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A Simple Six-Step Retirement Checkup
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Rational Investing in an Age of Uncertainty
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529 Plans: A Powerful Tool to Save for Education
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Financial Planning for Life After Selling a Business
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Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
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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.
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5Morgan 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.
6Morgan 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.
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 and other legal matters.
8Investing 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.
9Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
10Morgan 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
11Morgan 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.
12Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
13Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
14Alternative 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.
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
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5Morgan 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.
6Morgan 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.
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 and other legal matters.
8Investing 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.
9Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
10Morgan 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
11Morgan 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.
12Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
13Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
14Alternative 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.
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)
