Phone:
(978) 739-9652(978) 739-9652
The Calderara, Cook, Travaglini Group at Morgan Stanley
Direct:
(978) 739-9652(978) 739-9652
Our Mission Statement
Dedicated personal service and comprehensive wealth planning strategies to help you meet your life goals
Our Story and Services
Our team was built on a simple belief: great wealth management is about more than investments. It starts with understanding what matters most to you, building a thoughtful plan around your goals, and putting a disciplined strategy in place so you can make confident decisions—especially when life feels complex or the stakes are high.
With decades of industry experience and the global resources of Morgan Stanley, we help individuals and families bring clarity and direction to important financial choices. We take the time to learn what you’re working toward, what you’re balancing today, and what you want the future to look like. From there, we translate those conversations into a coordinated financial plan designed to support you now and adapt as your life evolves.
We work with individuals and families across a range of life stages and circumstances, including:
Retirees and pre-retirees planning for income, lifestyle goals, and lasting financial security
Business owners and entrepreneurs preparing for liquidity events, succession, and what comes next after a sale
Corporate professionals navigating equity compensation, concentrated stock positions, and career transitions
Multigenerational families aligning wealth decisions with legacy goals, family values, and long-term stewardship
Many clients come to us during pivotal moments—transitioning into retirement, selling a business, receiving an inheritance, or simply wanting a more organized and strategic approach to long-term wealth. Our role is to help you evaluate your options, understand the trade-offs, and move forward with a plan that fits your goals and your life.
We also work closely with the next generation of our clients’ families, helping younger professionals build strong financial foundations, develop healthy saving and investing habits, and gain confidence as responsibilities grow.
With decades of industry experience and the global resources of Morgan Stanley, we help individuals and families bring clarity and direction to important financial choices. We take the time to learn what you’re working toward, what you’re balancing today, and what you want the future to look like. From there, we translate those conversations into a coordinated financial plan designed to support you now and adapt as your life evolves.
We work with individuals and families across a range of life stages and circumstances, including:
Retirees and pre-retirees planning for income, lifestyle goals, and lasting financial security
Business owners and entrepreneurs preparing for liquidity events, succession, and what comes next after a sale
Corporate professionals navigating equity compensation, concentrated stock positions, and career transitions
Multigenerational families aligning wealth decisions with legacy goals, family values, and long-term stewardship
Many clients come to us during pivotal moments—transitioning into retirement, selling a business, receiving an inheritance, or simply wanting a more organized and strategic approach to long-term wealth. Our role is to help you evaluate your options, understand the trade-offs, and move forward with a plan that fits your goals and your life.
We also work closely with the next generation of our clients’ families, helping younger professionals build strong financial foundations, develop healthy saving and investing habits, and gain confidence as responsibilities grow.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Planning for Your Future
Financial Planning starts with you, and your life goals. We take a holistic approach to encompass all elements of your finances and align them with your short-term and long-term goals to create a plan unique to you.
At The Calderara Cook Group, we understand that your objectives change over time, and your plan will evolve with them to adapt with the changing circumstances of your life. Review our resources below and reach out to discuss your financial plan.
Certified Financial Planner®
The Certified Financial Planner® designation is awarded to candidates who completed rigorous coursework, met the experience requirement, and have passed the challenging CFP® exam. CFP® Professionals must complete ongoing continuing education requirements and are held to strict ethical standards to ensure financial planning recommendations are in the best interest of their clients.
Financial Planning
A well-structured financial plan provides a roadmap for achieving financial goals. Learn more about the importance of financial planning below.
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential, manage unrealized gains and help keep more of what you earn.
Estate Planning Strategies
As you progress through life, key events such as births, deaths, and marriages, along with changing personal relationships, can impact your choices regarding who will handle important medical and financial decisions on your behalf in the future. These events also influence how you wish your wealth and assets to be distributed after your passing. For further insights into estate planning, please review our resources below.
Concentrated Equity Solutions
It can be risky when just one or a few stocks make up an outsized portion of an investor's overall portfolio value. Learn more about tax smart strategies to tackle concentrated equity positions.
Planning Your Future
Our team will work with you to understand what your priorities are during these crucial years and implement a customized strategy for you. Whether it is planning for retirement, transitioning into retirement, or already managing your assets in retirement, our team is equipped with the resources and the knowledge to help you accomplish your personal and financial goal.
Are You Prepared for Retired Life?
Find ways to stay physically and mentally engaged every day to help sustain a healthy lifestyle in retirement.
A Simple Six-Step Retirement Checkup
Checking in on your retirement plan may make a lot of sense, especially when market volatility arises.
Discussing Finances with Your Family
Avoiding conversations about money can have lasting effects—reinforcing unhelpful financial habits and leaving important planning opportunities unaddressed. When families talk openly about wealth, they can build shared understanding, strengthen financial confidence, and make more informed decisions together. These discussions can also reduce misunderstandings and help align priorities across generations.
Explore our resources and guidance to help you approach these meaningful conversations with clarity and confidence.
Breaking the Ice
Avoiding financial discussions can result in negative consequences, such as perpetuating poor financial habits and missing opportunities for effective wealth planning. Open conversations about money can empower family members, helping them form a healthy relationship with wealth and make informed financial decisions. It can also prevent misunderstandings and align family members' financial goals.
Sage Credit Advice for Parents of College Students
Obtaining a credit card is a crucial step for college students in learning to manage credit responsibly. Educating college students about credit management is vital for their financial well-being. By fostering open conversations and teaching responsible credit use, parents can help their children build a strong financial foundation, preparing them for future financial responsibilities and opportunities.
Talking to Your Kids About Money
Raising financially savvy children involves creating an environment where they understand the value of money without feeling entitled or anxious. Engaging in conversations about money with your children is an essential step in preparing them for a financially responsible future. While these discussions can sometimes be challenging or uncomfortable, they are crucial in helping young minds understand the value of money, budgeting, and saving. By fostering an open dialogue about finances, you empower your children to make informed decisions and develop healthy financial habits that will serve them throughout their lives.
Include Your Family in Our Financial Conversations
We understand the importance of ensuring that your financial plans align with your family's goals and values. To support this, we warmly invite you to include your family members in our upcoming meetings. By doing so, we can foster a collaborative environment where everyone feels informed and engaged in discussions about financial matters. This approach not only helps in aligning your family's financial objectives but also encourages open conversations about money, which can be invaluable for future planning. We look forward to the opportunity to meet with you and your loved ones to discuss how we can best support your family's financial journey.
MORGAN STANLEY'S TOOLS AND RESOURCES
Morgan Stanley offers a comprehensive suite of digital tools designed to enhance your wealth management experience. Below are digital tools intended to help you maintain a complete view of your finances, along with Reserved Living & Giving offers that provide unique benefits and opportunities
Morgan Stanley Online
Register or login to Morgan Stanley Online to access your account, manage your finances, and discover the wealth of tools for budgeting, bill pay, and more. The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Morgan Stanley Mobile App
The Morgan Stanley Mobile App is currently available for iPhone® and iPad® from the App Store℠ and Android™ on Google Play™. Standard messaging and data rates from your provider may apply.
Total Wealth View
View your complete financial profile with Total Wealth View. When you link your external accounts, you can benefit from a more educated and holistic vision in terms of wealth planning, conveniently connecting your information.
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform can help you get a better idea of the risks you may face, as well as how to mitigate them.
Wealth Management Home Page
The Morgan Stanley difference is emphasized when it comes to the plethora of resources that we provide our clients. Click on the link below to learn more about our firm, our values, and our services.
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program goes beyond traditional wealth management services and provides access to one-of-a-kind experiences, discounts on premium brands, and much more. Click the link below to learn more, enroll and enjoy.
The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
On The Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Thoughts on the Market Podcast
Short, thoughtful takes on recent events in the markets, every weekday from a variety of perspectives within Morgan Stanley.
Location
35 Village Rd
Ste 601
Middleton, MA 01949
US
Direct:
(978) 739-9652(978) 739-9652
Meet The Calderara, Cook, Travaglini Group
Phone:
(978) 739-9625(978) 739-9625
Phone:
(978) 739-3958(978) 739-3958
Kyle White, CRPC®, Financial Planning Specialist
Registered Client Service Associate
Phone:
(978) 526-6002(978) 526-6002
About Stephen Calderara
Stephen Calderara is a Financial Advisor with Morgan Stanley Wealth Management. He joined the firm in 2010 and holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation. Stephen works with clients to develop comprehensive wealth management strategies, providing customized investment advisory and financial planning services aligned to each client’s goals. His planning approach spans key areas of wealth planning, including portfolio management, legacy and trust planning, risk management, and income strategy development.
Stephen earned a Bachelor of Science degree from the Dolan School of Business at Fairfield University. Outside of the office Stephen resides in New Hampshire with his wife Jessica and their three children, Josephine, Jackson, and Jonathan. He enjoys spending his free time with his family, and volunteering to coach hockey.
Stephen earned a Bachelor of Science degree from the Dolan School of Business at Fairfield University. Outside of the office Stephen resides in New Hampshire with his wife Jessica and their three children, Josephine, Jackson, and Jonathan. He enjoys spending his free time with his family, and volunteering to coach hockey.
Securities Agent: NM, HI, TX, AZ, RI, IL, DC, CO, CA, VT, MN, TN, PA, CT, VA, NH, NC, MD, MA, LA, WI, WA, OR, FL, NY, GA, NJ, MI, ME, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 1401593
NMLS#: 1401593
About Doug Cook
Doug Cook is a Financial Advisor with Morgan Stanley Wealth Management and holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation. Doug focuses on helping clients prepare for and navigate retirement with confidence. He believes retirement planning extends beyond investment advice and centers on helping clients preserve the financial independence they have worked to achieve. Doug’s consultative process begins with an in-depth discussion of a client’s current financial picture and long-term objectives, followed by a tailored strategy designed to adapt to changing market conditions, evolving goals, and potential income or expense needs throughout retirement.
Doug is a proud alumnus of Colby College where he earned a bachelor’s degree in administrative science – Mathematics. At Colby, Doug met his wife, Amy; together they have three children Greg, Abby, and Ben, and three grandchildren Louise, Ryan, and Malcolm. Outside of the office, Doug enjoys golf, hiking, skiing, sports, family time, and volunteerism. Doug is active in the community, having served as President of the Board of Directors for Lazarus House Ministries and as a Finance Subcommittee Member at his local church.
Doug is a proud alumnus of Colby College where he earned a bachelor’s degree in administrative science – Mathematics. At Colby, Doug met his wife, Amy; together they have three children Greg, Abby, and Ben, and three grandchildren Louise, Ryan, and Malcolm. Outside of the office, Doug enjoys golf, hiking, skiing, sports, family time, and volunteerism. Doug is active in the community, having served as President of the Board of Directors for Lazarus House Ministries and as a Finance Subcommittee Member at his local church.
Securities Agent: CO, FL, WI, VA, HI, NY, MI, MA, KS, IL, VT, CA, DC, NJ, WA, TX, NC, ME, LA, PA, OR, NM, CT, AZ, MN, MD, GA, TN, RI, NH; General Securities Representative; Investment Advisor Representative
About Joseph Travaglini
Joseph Travaglini brings more than 38 years of experience across administration, finance, and wealth management. His background includes managing budgets, establishing financial policies for rating agency interactions, and overseeing capital investments. He joined Morgan Stanley in March 2013 after spending 12 years at Merrill Lynch Wealth Management, where he worked primarily with wealthy individuals and families. Earlier in his career, Joseph served as an investment banker in Merrill Lynch’s Healthcare and Higher Education Public Finance Group, supporting the planning and execution of tax-exempt financings for hospitals and universities across Massachusetts.
Joseph has also held senior roles within public finance organizations in Massachusetts, including Director of Financing Programs for the Massachusetts Health and Education Financing Authority, Assistant City Manager for the City of Chelsea, and Assistant Director of Administration and Finance for the Boston Water and Sewer Commission. He earned a B.S. in Finance from Boston College and an MBA from Northeastern University. Joseph has been married to his wife, Bella, for 44 years; they have two children, Joseph and Michael, and two grandchildren, Sebastian and Natalie.
Joseph has also held senior roles within public finance organizations in Massachusetts, including Director of Financing Programs for the Massachusetts Health and Education Financing Authority, Assistant City Manager for the City of Chelsea, and Assistant Director of Administration and Finance for the Boston Water and Sewer Commission. He earned a B.S. in Finance from Boston College and an MBA from Northeastern University. Joseph has been married to his wife, Bella, for 44 years; they have two children, Joseph and Michael, and two grandchildren, Sebastian and Natalie.
Securities Agent: FL, VA, PA, NH, MI, GA, DC, TX, TN, MD, HI, CO, RI, NC, NM, CT, AZ, WA, MA, IL, OR, MN, ME, LA, NJ, VT, NY, CA, WI, KS; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 41843
NMLS#: 41843
Contact Stephen Calderara
Contact Doug Cook
Contact Joseph Travaglini
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
Evan Patterson
About Evan Patterson
Evan Patterson is a Private Banker serving Morgan Stanley Wealth Management offices in Rhode Island, Massachusetts and New York.
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.
Evan began his career in financial services in 1999. Prior to relocating to the Northeast, he served as a Private Banker in the Tampa Bay area. Before joining Morgan Stanley in 2010, Evan spent 10 years in high net worth lending at Merrill Lynch supporting teams in New York City, Los Angeles, and Jacksonville. He began his career as a Securities Based Lending Officer before rising within the firm, holding several other positions including Priority Loan Officer, Associate Mortgage and Credit Specialist, Consumer Finance Specialist and Banking and Liquidity specialist.
Evan is a graduate of the University of Florida, where he received a Bachelor of Science in Business Administration with concentration in Finance. He lives in East Greenwich, Rhode Island with his family. Outside of the office, Evan enjoys painting, watching cinemas, reading books, and listening to vinyl records.
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.
Evan began his career in financial services in 1999. Prior to relocating to the Northeast, he served as a Private Banker in the Tampa Bay area. Before joining Morgan Stanley in 2010, Evan spent 10 years in high net worth lending at Merrill Lynch supporting teams in New York City, Los Angeles, and Jacksonville. He began his career as a Securities Based Lending Officer before rising within the firm, holding several other positions including Priority Loan Officer, Associate Mortgage and Credit Specialist, Consumer Finance Specialist and Banking and Liquidity specialist.
Evan is a graduate of the University of Florida, where he received a Bachelor of Science in Business Administration with concentration in Finance. He lives in East Greenwich, Rhode Island with his family. Outside of the office, Evan enjoys painting, watching cinemas, reading books, and listening to vinyl records.
NMLS#: 800467
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
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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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 Calderara, Cook, Travaglini Group today.
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.
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 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.
3Morgan 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.
4Morgan 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.
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.
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.
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.
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 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.
3Morgan 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.
4Morgan 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.
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.
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.
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.
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), 4763067 (9/2025)
