Matthew A Calabretta
Managing Director, Wealth Management, Financial Advisor, Senior Investment Management Consultant
Phone:
(717) 852-4127(717) 852-4127
Industry Award WinnerOur Mission Statement
Providing tailored financial solutions to help simplify your life
Our Story
At The Calabretta Group, we understand that as your wealth grows, so do the complexities of managing it. Our team of seasoned professionals is dedicated to providing comprehensive investment strategies tailored to help you achieve your most important goals. We work with individuals, families, and business leaders who value our depth of knowledge and experience.
Our commitment is to offer objective, comprehensive advice that can help simplify your financial life while adding meaningful value. We focus on building confidence and developing strategies to help protect and grow your family's wealth for generations. Our approach goes beyond investment advice; it encompasses understanding your unique goals and values to help ensure financial independence and security.
As our relationship evolves, we aim to be your dedicated stewards, guiding you in making informed financial decisions. We are dedicated to helping you preserve and enhance your investment portfolio, strengthening your family's financial security now and for the future.
Contact us today to explore how we can assist with your Financial and Retirement Planning needs.
Our commitment is to offer objective, comprehensive advice that can help simplify your financial life while adding meaningful value. We focus on building confidence and developing strategies to help protect and grow your family's wealth for generations. Our approach goes beyond investment advice; it encompasses understanding your unique goals and values to help ensure financial independence and security.
As our relationship evolves, we aim to be your dedicated stewards, guiding you in making informed financial decisions. We are dedicated to helping you preserve and enhance your investment portfolio, strengthening your family's financial security now and for the future.
Contact us today to explore how we can assist with your Financial and Retirement Planning needs.
Services Include
- Wealth ManagementFootnote1
- Retirement PlanningFootnote2
- 401(k) Rollovers
- Wealth PlanningFootnote3
- Financial PlanningFootnote4
- Estate Planning StrategiesFootnote5
- 529 PlansFootnote6
- Fixed IncomeFootnote7
- AnnuitiesFootnote8
- Cash ManagementFootnote9
- Lending Products
- Life InsuranceFootnote10
- Trust Services*
- Sustainable InvestingFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
We Offer Comprehensive Strategies
Our focus is on building lasting relationships and providing personalized financial planning for clients. While each client has unique personal and professional circumstances, they all have one thing in common: They are focused on achieving very specific financial goals, so they can secure their family’s financial future and pursue their personal passions.
We focus on developing comprehensive financial plans, diversifying investment portfolios, maintaining strategic asset allocation, and managing taxes and fees, all while prioritizing asset preservation and adapting to life changes.
We focus on developing comprehensive financial plans, diversifying investment portfolios, maintaining strategic asset allocation, and managing taxes and fees, all while prioritizing asset preservation and adapting to life changes.
Wealth Planning
Our comprehensive wealth planning services focus on coordinating goals-based financial plans and tailored retirement strategies to help clients achieve their financial objectives.
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Investment Strategies
We offer a full spectrum of services, including advisory and brokerage options, traditional products and impact investing, all designed to align with our clients' diverse financial goals.
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Retirement Planning
The Calabretta Group's retirement planning capabilities are built on a foundation of personalized advice, advanced tools, and institutional experience. Whether you have been planning for years or are just getting started, our services offer clarity, confidence, and a path toward financial independence.
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Digital Offerings
Morgan Stanley's digital offerings provide clients with cutting-edge tools and platforms for seamless financial management, including online portfolio tracking, secure mobile banking, and personalized investment insights.
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Lending & Cash Management
At our disposal, we have a comprehensive suite of potential solutions, including residential mortgage loans, securities-based loans, and tailored lending options. Clients can also benefit from convenient features such as mobile check deposit, bill pay, Morgan Stanley cards, and unlimited ATM access to manage their finances with ease.
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Trust, Estate, & Legacy Planning Strategies
We help our clients preserve and transfer their wealth effectively across generations. Our team provides tailored strategies that encompass trust administration, estate planning, and legacy management, ensuring that clients' financial goals and family values are honored and sustained.
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Insurance Services
Morgan Stanley's insurance services offer comprehensive solutions to help protect and secure your financial future. Our offerings include permanent and term life insurance, long-term care coverage, and disability insurance, all tailored to help meet the unique needs of our clients.
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Philanthropy
We assist our clients in achieving their charitable goals through strategic giving and impactful philanthropy. Our team provides comprehensive guidance on creating personalized giving strategies, establishing donor-advised funds, and navigating complex charitable structures to maximize the impact of your contributions.
Learn MoreWealth Strategies Built for You
At The Calabretta Group, our wealth management process is centered around a deep understanding of your unique aspirations and financial goals. In our initial discussions, we prioritize learning about your family, personal dreams, and the legacy you wish to create, rather than immediately delving into investment strategies. Our Goals-Based Process is designed to craft and implement tailored strategies that can help support your journey toward financial success, addressing the core questions that matter most to you.
1. Define Your Objectives
We identify both short-term and long-term goals, whether it's purchasing a home, funding education, or planning for retirement. Understanding your objectives will provide a solid foundation for your financial strategy and help us prioritize effectively.
2. Evaluate Your Financial Standing
We then determine the financial requirements needed to achieve your goals. This step is crucial in understanding the financial commitment required and in setting realistic expectations.
3. A Personalized Plan
We create a customized financial plan, outlining clear strategies designed to help you reach your specific goals.
4. Implementation
With your approval, we execute a course of action that aligns your values with your vision and the objectives we have discussed.
5. Monitor & Adapt
We track your progress through regular check-ins and ongoing communication, updating your plan as life evolves and providing continued guidance and education along the way.
Digital Tools at Morgan Stanley
At The Calabretta Group, we are dedicated to helping empower you with the latest digital tools to manage your financial world with ease and confidence. Our suite of online services is designed to provide you with seamless access to your investments and financial information, ensuring you stay connected to your goals anytime, anywhere.
Morgan Stanley Online (MSO)
At The Calabretta Group, we understand the importance of having your financial information at your fingertips. With Morgan Stanley Online, you can manage your investments and everyday finances seamlessly, ensuring you stay connected to your financial goals anytime, anywhere.
Click Here To Enroll Today
Morgan Stanley Mobile App
Experience the convenience of managing your financial world on the go with the Morgan Stanley Mobile App. The Calabretta Group is committed to providing you with tools that offer flexibility and control over your investments, right from your smartphone
Click Here To Download
E-Authorization
Simplify your financial transactions with E-Authorization. The Calabretta Group offers this secure and efficient way to approve transactions, helping ensure your financial activities are both safe and streamlined.
Learn More Here
E-Delivery
Go paperless with E-Delivery and receive your financial documents electronically. The Calabretta Group encourages this eco-friendly option to keep you informed while reducing clutter and enhancing security.
Learn More Here
Digital Vault
Securely store and access your important financial documents with the Digital Vault. The Calabretta Group provides this service to ensure your critical information is protected and easily accessible whenever you need it.
Learn More Here
Total Wealth View
Gain a comprehensive understanding of your financial landscape with Total Wealth View. By linking your accounts, The Calabretta Group helps you achieve more informed wealth planning and secure data access, all in one convenient platform.
Learn More Here
Client Security & Privacy
At The Calabretta Group, your security and privacy are our top priorities. Our commitment to privacy means we adhere to the highest standards of data protection, giving you peace of mind as you manage your financial world. Stay informed about the latest in cybersecurity with Morgan Stanley's insights.
Learn More HereAwards & Publications
Explore the latest insights and achievements of The Calabretta Group. Here, you can stay informed on important team announcements, celebrate milestones, and read our past newsletters. Each month, we will update this section with new content, including awards and recognitions.
We are proud to highlight Matthew Calabretta, whose extensive experience and unwavering dedication to his clients, community, and the industry have earned him acknowledgments from various local and national publications.
June Newsletter
As we head into June and summer approaches, we're sharing timely ideas to help you make the most of the season. In this issue, you'll find practical summer planning tips, guidance on staying secure online while traveling, and a few featured reads on markets, the economy, and the AI "supercycle."
Newsletter Archive
Welcome to our Newsletter Archive—your central place to browse prior updates, market commentary, and timely insights. Here you can explore previous editions at your convenience, revisit key themes, and track how our perspectives and planning considerations have evolved over time.
Forbes America's Best-in-State Wealth Advisor
Financial Advisor, Matthew Calabretta, was recognized as a Best-in-State Wealth Advisor in 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025, 2026.
2018-2026 Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded 2018-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Best-in-State Wealth Management Teams
The Calabretta Group has been named to the critically acclaimed list in 2024, 2025, & 2026.
Source: Forbes.com (Awarded 2024 - 2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
President's Club at Morgan Stanley Wealth Management
Matthew Calabretta has been honored with the prestigious President's Club Award for 2025 & 2026.
This accolade is a testament to his exceptional performance, dedication, and commitment to excellence in serving his clients. The President's Club Award recognizes top financial advisors who have demonstrated outstanding achievements and leadership within the firm.
Location
221 W Philadelphia St
Ste 301
York, PA 17401
US
Direct:
(717) 852-4127(717) 852-4127
Fax:
(717) 852-4101(717) 852-4101
Meet The Calabretta Group
Rebecca A. Gebhart
Assistant Vice President, Wealth Management Associate
Phone:
(717) 852-4127(717) 852-4127
Noah T. Caler
Registered Client Service Associate
Phone:
(717) 852-4122(717) 852-4122
About Matthew A Calabretta
Matthew A. Calabretta
Managing Director
Financial Advisor
A seasoned wealth management professional with nearly 30 years of experience, Matt is dedicated to delivering highly customized advice to high-net-worth individuals and families in York County, the surrounding region, and across the country. Working alongside his team, Matt serves retirees and those planning for retirement, executives, business owners, and entrepreneurs through a personalized approach grounded in a thorough planning process and a consistent commitment to exceptional client service. Matt believes comprehensive wealth management begins with a disciplined financial plan designed to align each client’s resources with their unique goals, priorities, and values—supported by comprehensive financial insight and a service experience built on responsiveness, clarity, and follow-through.
A graduate of Penn State University, Matt continued his education by earning an M.B.A. in Finance from York College of Pennsylvania. After graduation, he joined Morgan Stanley as a Financial Advisor and has remained a vital member of the firm ever since. Throughout his career, Matt has maintained a strong commitment to professional development, earning advanced designations including Senior Investment Management Specialist and Financial Planning Specialist.
Matt’s dedication to excellence has been recognized through a number of professional distinctions. Forbes has named Matt among America’s Best-In-State Wealth Advisors from 2018–2026. In addition, The Calabretta Group has been recognized by Forbes as a Best-In-State Team over those same years—reflecting the team’s shared commitment to delivering thoughtful advice, disciplined planning, and a consistently high standard of client care.
Matt’s passion for helping clients pursue their goals is matched by his dedication to his family and community. He and his wife, Tonia, and daughter, Mya, live in York, where Matt was raised. An alumnus of Penn State and former NCAA Division I wrestler, Matt continues to support the Penn State Wrestling Program and is a past member of the Penn State York Advisory Board. In his free time, Matt enjoys an active lifestyle that includes triathlons, skiing, golf, and traveling with his family.
2018-2026 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2018-2026).
Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2018-2026 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2018-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Managing Director
Financial Advisor
A seasoned wealth management professional with nearly 30 years of experience, Matt is dedicated to delivering highly customized advice to high-net-worth individuals and families in York County, the surrounding region, and across the country. Working alongside his team, Matt serves retirees and those planning for retirement, executives, business owners, and entrepreneurs through a personalized approach grounded in a thorough planning process and a consistent commitment to exceptional client service. Matt believes comprehensive wealth management begins with a disciplined financial plan designed to align each client’s resources with their unique goals, priorities, and values—supported by comprehensive financial insight and a service experience built on responsiveness, clarity, and follow-through.
A graduate of Penn State University, Matt continued his education by earning an M.B.A. in Finance from York College of Pennsylvania. After graduation, he joined Morgan Stanley as a Financial Advisor and has remained a vital member of the firm ever since. Throughout his career, Matt has maintained a strong commitment to professional development, earning advanced designations including Senior Investment Management Specialist and Financial Planning Specialist.
Matt’s dedication to excellence has been recognized through a number of professional distinctions. Forbes has named Matt among America’s Best-In-State Wealth Advisors from 2018–2026. In addition, The Calabretta Group has been recognized by Forbes as a Best-In-State Team over those same years—reflecting the team’s shared commitment to delivering thoughtful advice, disciplined planning, and a consistently high standard of client care.
Matt’s passion for helping clients pursue their goals is matched by his dedication to his family and community. He and his wife, Tonia, and daughter, Mya, live in York, where Matt was raised. An alumnus of Penn State and former NCAA Division I wrestler, Matt continues to support the Penn State Wrestling Program and is a past member of the Penn State York Advisory Board. In his free time, Matt enjoys an active lifestyle that includes triathlons, skiing, golf, and traveling with his family.
2018-2026 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2018-2026).
Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2018-2026 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2018-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Securities Agent: RI, IN, NM, WA, KY, FL, CO, AR, WV, TX, MO, VA, PA, MD, LA, GA, DE, CT, OK, NH, NC, MN, SC, NY, IL, AZ, NJ, NE, TN, MA, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1674810
NMLS#: 1674810
About Rebecca A. Gebhart
Rebecca A. Gebhart
Assistant Vice President
Wealth Management Associate
As an Assistant Vice President and Wealth Management Associate, Becky is often the first point of contact for a wide range of client service needs. Known for her responsiveness and attention to detail, she is committed to delivering a high-touch, personalized experience for every client. Becky has been an integral member of The Calabretta Group since joining the team in 2000.
Becky helps coordinate the team’s day-to-day operations and supports the implementation of business management systems designed to enhance service quality and consistency. Her responsibilities also include resolving client service and administrative matters and providing support for the team’s website and online applications. Focused on anticipating the evolving needs of clients, Becky works to ensure the team is prepared to assist as circumstances and priorities change.
Becky earned a Bachelor’s degree in Business Management and Administration from York College of Pennsylvania. She lives in East Berlin with her husband, Derek, and their son, Ryan. Outside of work, she volunteers for multiple local organizations. In her free time, Becky enjoys the beach, spending time outdoors, and baking.
Assistant Vice President
Wealth Management Associate
As an Assistant Vice President and Wealth Management Associate, Becky is often the first point of contact for a wide range of client service needs. Known for her responsiveness and attention to detail, she is committed to delivering a high-touch, personalized experience for every client. Becky has been an integral member of The Calabretta Group since joining the team in 2000.
Becky helps coordinate the team’s day-to-day operations and supports the implementation of business management systems designed to enhance service quality and consistency. Her responsibilities also include resolving client service and administrative matters and providing support for the team’s website and online applications. Focused on anticipating the evolving needs of clients, Becky works to ensure the team is prepared to assist as circumstances and priorities change.
Becky earned a Bachelor’s degree in Business Management and Administration from York College of Pennsylvania. She lives in East Berlin with her husband, Derek, and their son, Ryan. Outside of work, she volunteers for multiple local organizations. In her free time, Becky enjoys the beach, spending time outdoors, and baking.
About Noah T. Caler
Noah T. Caler
Registered Client Service Associate
Noah is a Registered Client Service Associate with The Calabretta Group, bringing more than 10 years of customer service experience to his role. He supports clients with day-to-day account servicing needs, including inquiries, service requests, and required documentation. Noah is known for his positive, professional approach and takes pride in delivering a consistently high-quality client experience that reflects The Calabretta Group’s commitment to strong, long-term client relationships.
Noah earned an Associate Degree in Business Management from Pennsylvania College of Technology. Originally from Hanover, he now lives in York with his fiancée Alexis, dog Piper, and cat Ivy. Noah’s personal interests include spending time with friends and family, gaming, and caring for his two freshwater aquariums.
Registered Client Service Associate
Noah is a Registered Client Service Associate with The Calabretta Group, bringing more than 10 years of customer service experience to his role. He supports clients with day-to-day account servicing needs, including inquiries, service requests, and required documentation. Noah is known for his positive, professional approach and takes pride in delivering a consistently high-quality client experience that reflects The Calabretta Group’s commitment to strong, long-term client relationships.
Noah earned an Associate Degree in Business Management from Pennsylvania College of Technology. Originally from Hanover, he now lives in York with his fiancée Alexis, dog Piper, and cat Ivy. Noah’s personal interests include spending time with friends and family, gaming, and caring for his two freshwater aquariums.
Contact Matthew A Calabretta
Awards and Recognition
Forbes Best-In-State Wealth Advisors
2018-2026 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2018-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Best-In-State Wealth Management Teams
2024-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2
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
Tony Gist
Private Banker
About Tony Gist
Tony Gist is a Private Banker and Vice President serving Morgan Stanley Wealth Management offices in Pennsylvania.
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 2011 and joined Morgan Stanley in 2021. Prior to joining the firm, he held various roles within the Retail Bank industry including Licensed Banker and Branch Manager.
Tony is a graduate of Fairmont State University, where he received a Bachelor of Science with a concentration in Criminal Justice, while also playing football for the Fairmont State Fighting Falcons. He and his family currently reside in York, Pennsylvania.
Outside of the office, he spends time with family whenever possible. He enjoys playing golf, skiing, fishing, watching sports, especially football, and listening to talented musicians across various genres.
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 2011 and joined Morgan Stanley in 2021. Prior to joining the firm, he held various roles within the Retail Bank industry including Licensed Banker and Branch Manager.
Tony is a graduate of Fairmont State University, where he received a Bachelor of Science with a concentration in Criminal Justice, while also playing football for the Fairmont State Fighting Falcons. He and his family currently reside in York, Pennsylvania.
Outside of the office, he spends time with family whenever possible. He enjoys playing golf, skiing, fishing, watching sports, especially football, and listening to talented musicians across various genres.
NMLS#: 786299
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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Wealth Management
From Our Team
Iran Conflict: Seven Takeaways for Investors
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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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
Iran Conflict: Seven Takeaways for Investors
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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
529 Plans: A Powerful Tool to Save for Education
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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
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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.
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact The Calabretta Group today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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.
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.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Investors 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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Investing 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.
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.
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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
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2When 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.
3Morgan 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.
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.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Investors 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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Investing 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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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.
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*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
