Our Story

The BTW Group at Morgan Stanley is a Private Wealth Management team based in New York, serving multigenerational families, founders, executives, business owners, law firms, and first time family offices. Our team has worked together for decades, helping clients navigate the responsibilities, opportunities, and complexities that come with significant wealth.

As a multigenerational team serving multigenerational families, we focus on building long-standing relationships rooted in trust, communication, and thoughtful guidance. Many of our client relationships span decades, and we are proud to support families through major life events, market cycles, business transitions, philanthropic decisions, and generational wealth planning.

Our approach begins with listening. We take the time to understand your goals, family dynamics, values, financial picture, and long-term priorities. From there, we help develop tailored wealth management strategies designed to support your investment objectives, lifestyle needs, business interests, philanthropic goals, and legacy planning priorities.

Through Morgan Stanley’s Private Wealth Management platform, we provide access to a broad range of resources across investment management, financial planning, lending, philanthropic services, estate planning strategies, business succession planning, sustainable investing, and alternative investments. We also coordinate with your outside tax and legal advisors, as appropriate, to help align your financial strategy with your broader personal and family goals.

At The BTW Group, we believe wealth management is about more than managing assets. It is about helping families make informed decisions, communicate across generations, and carry forward the values and intentions that matter most.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Awards

Recognized as an industry leader:

• Forbes Best-in-State Wealth Management Teams (2023-2026)

• Michael W. Troncale- Morgan Stanley President’s Club Advisor (2019-2026)
• Michael W. Troncale- Forbes Best-In-State Wealth Advisors (2021-2025)
• Kate K. Waters- Morgan Stanley President’s Club Advisor (2020-2026)
• Kate K. Waters- Forbes Best-In-State Wealth Advisor (2018-2025)
• Kate K. Waters- Forbes Top Women Wealth Advisors (2020-2026)
• Kate K. Waters- Working Mother Magazine’s Top Wealth Advisor Mom (2017-2021)
• Kate K. Waters- Named to Morgan Stanley MAKERS (2019)

2023-2026 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023, 2024, 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.

2018-2026 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025, 2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.

2020-2026 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In-State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2020, 2021, 2022, 2023, 2024, 2025, 2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.

2017-2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2017, 2018, 2019, 2020, 2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.

Working With You

We begin by understanding your goals, family priorities, financial picture, and long-term vision. From there, we help develop a customized wealth management strategy that reflects your income needs, investment objectives, risk tolerance, planning priorities, and legacy goals.

Our Wealth Management Process:
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    Step 1: Understand Your Goals
    We begin with an in-depth conversation to understand your goals and the goals of your family, the concerns you have and what you ultimately would like to achieve.
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    Step 2: Analyze Your Financial Picture
    Next, we review your current and future financial situation, help identify the likelihood of reaching your goals, and address any potential shortfalls or the impact of unexpected life events.
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    Step 3: Design a Tailored Strategy
    We prepare a comprehensive investment process for you that can address your individual income and cash flow needs, investment objectives and guidelines, and risk/return parameters.
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    Step 4: Implement Your Plan
    With our guidance, you’ll have access to a comprehensive array of strategies, services and programs that can collectively provide you with the foundation for implementing and delivering your financial strategy.
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    Step 5: Review and Adjust Over Time
    We monitor your progress on a daily basis and review the performance through quarterly calls and meetings. We may recommend adjustments over time due to changing market conditions or changes in your circumstances to help keep you on track towards achieving your goals.

Multigenerational Wealth Planning

Wealth planning often extends beyond one person or one generation. The BTW Group works with families across four generations, helping clients coordinate investment strategy, estate planning strategies, philanthropy, family governance, and conversations with heirs. Our process is designed to help families clarify their intentions, prepare future generations for stewardship, and navigate the complexities of wealth transfer over time.
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    Next Generation
    Gaining significant wealth at a young age presents a unique set of opportunities and challenges. At The BTW Group, we help prepare the next generation from both an emotional and wealth management perspective—empowering them to navigate complexity, pursue financial opportunities, and develop the leadership skills needed to take on new responsibilities with confidence.
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    Estate Planning Essentials
    It is important to protect the ones you love by implementing an estate plan to help ensure your assets are distributed according to your wishes after you pass away.
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    Breaking the Ice Around Family Finances
    Money is one of the trickiest topics to discuss. But avoiding the conversation can lead to problems. Learn how to start the dialogue with your family.
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    The State of Your Parents' Estate
    Discussing estate planning with a parent can be challenging. Here are a few conversation starters to help adult children and their parents begin the planning process.
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    What To Do When You've Been Named as Your Parent's Executor.
    If you've been appointed as your parent's executor, be prepared to manage both the emotional realities of loss and the practical work of administering the estate, from securing key documents to coordinating probate, taxes, and asset distribution.
    Learn More
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    Adding a Trusted Contact
    With scams on the rise, protecting your assets and personal information remains our top priority. One way to protect yourself or your loved ones' accounts from fraud and financial scams is to add a trusted contact.
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Success Through Collaboration

Our work goes beyond managing wealth—we are guided by a set of principles that reflect who we are as a team and how we approach every client relationship. These values shape our culture, influence the way we collaborate, and ensure that each client experience is thoughtful, personal, and rooted in trust. They are the foundation of our long-standing relationships, and the reason clients know they can count on us through every stage of life.
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    PUT THE CLIENT FIRST
    From beginning to end, we act with our clients’ best interests at heart.
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    EXCELLENCE WITH INTEGRITY
    Trust is earned through purpose, transparency, and an unwavering standard of excellence.
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    SUCCESS THROUGH COLLABORATION
    Together we help unlock innovation, seize opportunity, and achieve lasting growth.
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    BUILT ON FAMILY VALUES
    We honor each client relationship with warmth, enduring care and a commitment to uphold and preserve your legacy.

WORKPLACE FINANCIAL BENEFITS WITH MORGAN STANLEY AT WORK

Our mission is to help your company elevate your workplace financial benefits—helping you to attract and retain top talent. Our end-to-end solutions support your company and employees at any stage of growth through a powerful combination of modern technology, insightful guidance, and dedicated service.

    Equity Solutions

    Equity ownership is a powerful motivator. Streamline equity management through our leading-edge technology and provide global audit-ready reporting and insights, alongside customizable participant experiences to engage and educate your employees on how to make the most of their benefits. Our global solutions support private and public companies at any stage of growth.

    • Equity Administration and Financial Reporting
    • Liquidity Events
    • 409A Valuation Services and Cap Table Management

    Learn more
    Retirement

    For your employees, retirement is more than a date in the future—it's a milestone that takes time, hard work, and the right tools. Through our consultative process, we strive to assist with the management of your fiduciary responsibilities and risk, simplify plan management, and help you improve retirement readiness for your employees.

    • Defined Contribution Consulting
    • Solutions-Oriented Plans
    • Fiduciary Investment Oversight

    Learn more
    Deferred Compensation

    Access a range of Nonqualified Deferred Compensation plan services or pick the ones that best fit your needs. We provide recordkeeping and plan design, portfolio construction services, and plan education for your executive talent. We help you determine the appropriate plan design and inform a funding strategy through a needs-based assessment and consultative approach.

    Services include:

    • Recordkeeping and Plan Design
    • Portfolio Construction
    • Wealth Management Services
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    Executive Services

    Our dedicated team provides concierge-level support for your executives' equity compensation plans, from 10b5-1 trading plans to form filing related to Rule 144 transactions, to access to wealth management and tax-optimization strategies, so helping them navigate their complex financial needs with greater confidence and certainty:

    • Equity Compensation Services
    • Equity Award Analysis
    • Specialized Solutions
    Learn more
    Saving and Giving

    Saving and Giving benefits can make a real difference in your employees' lives as they can support the things that matter most to them—like saving for education and repaying student loans. Show that you are committed to your employees' priorities with leading-edge solutions that help them chart a path toward financial well-being.

    • College Savings
    • Student Loan Repayment and Refinancing
    • Charitable Giving
    Learn more
    Financial Wellness

    We offer Financial Wellness with every solution we provide. Through a powerful combination of education, digital tools and guidance, Financial Wellness is designed to address the unique needs of your employees and empower their financial journey at every stage. Give your employees the confidence to take charge of their finances.

    • Financial Education
    • Digital Tools
    • Financial Guidance

    Learn more

Location

55 East 52nd Street 7th
Fl
New York, NY 10055
US
Direct:
(212) 603-6100(212) 603-6100
Toll-Free:
(800) 843-0211(800) 843-0211

Meet The BTW Group

Photo of Michael W Troncale

Michael W Troncale, CFP®

Managing Director, Wealth Management, Financial Advisor, Senior Investment Management Consultant, Financial Planning Specialist, Alternative Investments Director, Family Wealth Director, Founders Specialist
Phone:
(212) 603-6282(212) 603-6282
Photo of Katherine Waters

Katherine Waters, CFP®, CPM®

Managing Director, Wealth Management, Financial Advisor, Portfolio Manager, Senior Investment Management Consultant, Financial Planning Specialist, Family Wealth Director
Phone:
(212) 603-6118(212) 603-6118
Photo of Geraldine C. Mazza

Geraldine C. Mazza

Assistant Vice President, Wealth Management Associate
Phone:
(212) 603-6194(212) 603-6194
Photo of Jennifer L. Generoso

Jennifer L. Generoso

Vice President, Business Development Director
Phone:
(212) 603-6252(212) 603-6252
Photo of Anchal Rana

Anchal Rana

Private Wealth Management Associate
Phone:
(212) 603-6116(212) 603-6116
Photo of Jake Schepps

Jake Schepps

Registered Client Service Associate
Phone:
(212) 603-6193(212) 603-6193

About Michael W Troncale

A results-driven Financial Advisor with 25 years of industry experience, Michael combines his deep knowledge of wealth management with solid leadership skills and a disciplined, consultative, and educational approach to guide affluent families and business leaders towards the achievement of their specific financial goals. His areas of concentration include asset management, risk and liability management, philanthropic planning and intergenerational wealth transfer strategies.

In October 2024, Michael earned the elite title of Family Wealth Director, awarded to those Financial Advisors who have extensive experience working with Ultra High Net Worth clients and have undergone rigorous training. Michael earned the distinguished CERTIFIED FINANCIAL PLANNER™ (CFP®) designation in 2003, demonstrating his commitment to helping clients address the complicated issues facing today’s wealthy families. As a seasoned wealth manager, Michael has experience with total wealth management design, investment allocation, capital markets research and trading, offshore trust development for non-U.S. residents, restricted stock and specialized transactions, trade execution and portfolio performance appraisals. His knowledge in alternative investments and their role in the asset allocation process is an integral part of his practice.

Michael began his career in 1992 with Shearson Lehman Brothers. He received his Bachelor’s in Business Administration with a concentration in Finance from Adelphi University. Michael was named a Morgan Stanley President’s Club Advisor (2019-2026). He splits his time between New York City and Candlewood Lake, CT with his wife and two children.

Disclaimers:
Not all products and services are available in all jurisdictions or countries.

Asset Allocation does not assure a profit or protect against loss in declining financial markets.
NMLS#: 1255369

About Katherine Waters

As a Senior Partner for The BTW Group, Kate leads our Family Wealth Advisory practice where she is responsible for Client Engagement, Investment Oversight and Coordination of all of our clients’ Financial/Estate/Philanthropic planning strategies. Her practice includes uniquely successful entrepreneurs, multi-generational families and nonprofits, with a special emphasis on empowering women.

Prior to joining Morgan Stanley in 2000, Kate was an investment banker for a boutique firm advising entrepreneurs through various stages of capital raises, leveraging her experience in cap tables. She received her B.A. degree from Villanova University and an International Accreditation from the University of London. She also completed the Certified Portfolio Management® program from Columbia University and earned the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation from the Certified Financial Planner® Board of Standards, an independent regulatory organization. In 2024, Kate earned the exclusive title of Family Wealth Director; a title only awarded to Financial Advisors who have extensive experience working with Ultra High Net Worth clients.

Kate is currently on Villanova University’s Board of Trustees and was formerly on the Advisory Council for Villanova's McNulty Institute for Women’s Leadership. She is the first female President for the Villanova Financial Club and received the 2020 VUAA Volunteer Award for Distinguished Service. Kate formerly served as Co-Chair for Morgan Stanley’s National Financial Advisor Advisory Council for over 5 years, where she liaised with Senior Management on strategic initiatives for both the firm and our clients. She was recently on the Board of Directors for Concern Worldwide (US) a global humanitarian organization, whose mission is to end extreme poverty and was named Concern Worldwide’s “2016 Woman of Concern,” honoring her commitment to humanitarian efforts. She was formerly on the Board of Directors for the Women’s Executive Circle of New York (WECNY), and is a Founding Member of LIFT, Morgan Stanley’s Women’s Business Development Council. She has been named a Morgan Stanley President’s Club Advisor (2019-2026) and to the 2019 Class of MAKERS, that recognize groundbreakers, innovators and advocates to advance women in the workplace. Kate splits her time between Manhattan and Stratton, VT with her husband and three children and loves to cook, ski, golf, read and explore.
NMLS#: 1288140

About Michael DaSilva

As a Financial Advisor, Michael adopts a consultative approach in his relationship with his clients and is committed to providing exceptional service, differentiated investment advice, and customized solutions to those families with whom he works.

Michael joined Morgan Stanley and the BTW Group in 2015 and has served in various roles including as an Associate, Consulting Group Analyst, and Director of Business Strategy, where he led research and investment management efforts. He is also a Chartered Financial Analyst® (CFA®) charterholder.

Originally from Waterbury, Connecticut, Michael earned a Bachelor of Arts degree in Political Science and History from Boston College. He holds both the Series 7 and 66 registrations with FINRA, and is a Licensed Insurance Agent in the State of New York (NY Insurance License #1784644).

Michael was named to Morgan Stanley’s Pacesetter’s Club (2025-2026). He is a supporter of Children in the Wilderness, a non-profit organization which aims to facilitate sustainable conservation through leadership development and education of children in Africa. A resident of New York City, he enjoys spending time with his family, trying new restaurants, reading, and traveling.

Disclaimers:
Morgan Stanley Wealth Management Pacesetter’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue
Securities Agent: MI, UT, NM, MN, GA, SD, OR, MA, KY, DE, TN, MD, WA, NY, NV, NC, DC, WI, VT, CT, AZ, ME, VA, AR, RI, OK, CO, CA, WY, NH, MO, IL, SC, PA, FL, AL, NJ, TX, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 2532665

About Geraldine C. Mazza

Drawing on more than 15 years of industry experience, Geri is often the first line of contact on a broad array of administrative and operational services. Highly adept at answering client questions quickly and efficiently, Geri is passionate about providing excellent service. She not only knows how to help meet each client’s specific needs, she knows how to anticipate them as well. Her patience and empathy may provide clients with more confidence.
Geri began her career in financial services at Lazard Freres. She joined The BTW Group in 2014 and has been an integral member of the team ever since. A graduate of Hofstra University with a B.B.A. degree in Finance, she currently holds the Series 7 and 63 FINRA registrations and insurance licenses. Geri is most proud of her two children.

About Jennifer L. Generoso

Jen Generoso joins the BTW Group as our Business Development Director and leads our team in implementing strategies to execute our business plan while ensuring our clients are provided with first-class service. Her extensive knowledge of Morgan Stanley’s products, services & capabilities provides our clients with an efficient and pleasant interaction every time.

Prior to joining our team, she was the Business Development Director of one of the 2022 Forbes America’s Top Wealth Management Teams.

Jen began her tenure with Morgan Stanley Wealth Management in 2013 as a Senior Registered Associate, bringing with her 8 years of experience with UBS Financial Services Inc. During her time at UBS she worked in back office operations with various trading & service desks, such as mutual funds, Taxable Fixed Income, Treasury Auction & 10b5-1 Trading Plans. She also successfully completed UBS’ Branch Management Training Program.

Jen received her B.S. in Business Management from St. John’s University and holds the Series 7, 66, 9 & 10 licenses. She lives in Staten Island, New York with her husband and two children. In her free time, Jen enjoys yoga and making memories with her family.

Disclaimer:
Forbes America’s Top Wealth Management Teams
Source: Forbes.com (Awarded Nov 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.

About Anchal Rana

Anchal Rana is a Private Wealth Management Associate with more than a decade of experience in the wealth management industry. She launched her career with Citi Wealth Management in New York City and joined Morgan Stanley in 2021, bringing deep industry insight and a strong foundation in client service. Anchal holds the Series 7 and Series 66 licenses and previously supported a High-Net-Worth Morgan Stanley team in Dayton, Ohio for nearly two years prior to joining our team.

In her current role, Anchal is principally responsible for ensuring client transactions are executed with accuracy, diligence, and timely, transparent communication. She is committed to delivering exceptional operational and client support while cultivating trusted, long-term relationships with both clients and colleagues. Known for her collaborative mindset and consistently high standards, Anchal takes pride in anticipating needs, strengthening client confidence, and contributing meaningfully to the team’s continued success.

Outside the office, Anchal resides in Queens, New York, and enjoys spending time with her family, traveling, and cooking.

About Jake Schepps

Jake joined the BTW Group in August 2025 as a Client Service Associate, where he delivers attentive, timely, and personalized support to clients across a range of operational and administrative functions.

A proud graduate of The Ohio State University, Jake holds a Bachelor’s degree in Business Administration. Originally from Long Island, he is an enthusiastic Buckeyes fan with a passion for lifelong learning. Outside of work, Jake enjoys golfing, exploring the world of bitcoin, and spending quality time with family and friends.

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
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Brook Solliday

Senior Private Banker
Photo of Tony Silva

Tony Silva

Private Banker
Photo of Angelo Loumbas

Angelo Loumbas

Family Office Resource Generalist

About Brook Solliday

Brook Solliday is a Senior Private Banker | Market Manager serving Morgan Stanley Wealth Management offices in New York.

Senior Private Banker | Market Manager partner with Financial Advisors/ Private Wealth Advisors (collectively “Advisors”) to deliver specialized cash management and lending solutions, while strategically leading sales activity and deepening client engagement across Wealth Management markets to drive growth aligned with long-term business objectives.

Brook began his career in financial services at Morgan Stanley in 2007 with the Banking and Lending Sales Desk. He started as an Associate Private Banker in 2010 and was promoted to Private Banker in 2013.

Brook is a graduate of Montclair State University, where he received a Bachelor of Science in Management. He lives in Hoboken, New Jersey with his family. Outside of the office, Brook enjoys cheering on the Philadelphia professional sports teams, cooking, painting with his daughters, and coaching her sports.
NMLS#: 800996

About Tony Silva

Tony Silva is a Private Banker serving Morgan Stanley’s Wealth Management offices in New York City.

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.

Tony began his career in financial services in 1995, and joined Morgan Stanley in 2015. Prior to his current position, he was a Project Manager in our Home Loans organization. Prior to joining the firm, he held a number of roles at mortgage financing institutions.

Tony is a graduate of Rutgers University, where he received a Bachelor of Science in Management. He lives in Livingston, NJ with his family. Outside of the office, Tony enjoys traveling, playing soccer, and spending time with family and friends.
NMLS#: 217945

About Angelo Loumbas

Angelo is the Family Office Resources Generalist in the Northeast Region. Angelo provides in depth knowledge to ultra-high net worth (UHNW) clients and Financial Advisors across a broad range of family wealth and family office management matters. His area of focus includes family governance, wealth education,, strategic estate and financial planning, philanthropy management, lifestyle advisory, and customized asset allocation and portfolio construction. Angelo has over 25 years’ experience advising wealthy families, business owners, and philanthropic organizations.

Originally from Chicago and now residing in Westchester County, New York, , Angelo practiced law for 15 years and represented UHNW clients, closely held businesses, and major philanthropic organizations. He is admitted to the Society of Trust and Estate Practitioners and has been asked to speak over the years before tax, trust and estate committees of estate planning councils and other organizations. Angelo has also contributed thought leadership through Morgan Stanley’s Family Legacy and Governance Institute leadership series and authored an article for Barrons.com, “Should I Invest in My Kid’s Start-Up? Financial Advisors Can Help Clients Decide” (2023).

Angelo has been advising UHNW clients in the financial services industry for over 17 years, with 13 of those years at Morgan Stanley in Chicago and New York. He earned his J.D. from Indiana University at Bloomington, his M.B.A. from the University of Notre Dame, and B.A. from DePaul University. He also holds his Series 7, 66 and 24 licenses. In addition, Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club (2009-2010).
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.

Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.

Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.

Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

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.

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Equity Compensation

Helping you make the most of your equity awards and better understand how it may fit into your larger financial picture – today and tomorrow.

  • Vesting events
  • Option expirations
  • Restricted stock units
  • Tax implications

Retirement

Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
  • 401(k) Rollovers
  • IRA Plans
  • Retirement income strategies
  • Retirement plan participants
  • Annuities
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Investing

Working closely with you to guide your wealth and investments through the most challenging market cycles.
  • Asset Management
  • Wealth Planning
  • Traditional Investments
  • Alternative Investments
  • Impact Investing
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Family

Creating customized financial strategies for the challenges that today’s families face.
  • Estate Planning Strategies
  • 529 Plans / Education Savings Planning
  • Long Term Care Insurance
  • Special Needs Planning
  • Trust Services
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Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
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Philanthropy

Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
  • Endowments
  • Foundations
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  • Impact Investing
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Financial Wellness

Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
  • Reduce employee stress,
  • Improve retention and engagement, and
  • Set themselves apart by offering comprehensive financial wellness benefits.
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Ready to start a conversation? Contact The BTW Group today.
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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.

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

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2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

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3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

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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.

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5Investing 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.

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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)