Darwin Carpenter
Senior Vice President, Wealth Management, Financial Advisor, Alternative Investments Director
Phone:
(321) 253-6852(321) 253-6852
The Carpenter Falconi Group at Morgan Stanley
Direct:
(321) 253-6843(321) 253-6843
Toll-Free:
(800) 949-2401(800) 949-2401
Our Mission Statement
Providing clients with an exceptional experience in their Financial Planning journey by leveraging the skilled focus of our team members and the powerful resources of Morgan Stanley.
Welcome
The members of the Carpenter Falconi Group at Morgan Stanley take pride in providing an array of comprehensive services to our clients. From basic Wealth Management to Advanced Planning strategies, our team will tailor our services to meet the specific needs of your family and business. With well over 20 years at Morgan Stanley, Senior Vice President, Darwin Carpenter focuses on investment selection and portfolio construction based on technical and fundamental analyses as well as the current economic and geopolitical environments. Since joining our team in 2016, CERTIFIED FINANCIAL PLANNER and Senior Portfolio Manager, Stephanie Falconi Nemeth CFP, CRPC focuses on building comprehensive financial plans covering your Insurance, Cash Management & Lending, Estate Planning Strategy and philanthropy Management needs. Victoria Brewster, Portfolio Associate and our and Client Service Associates, Irina Ceruti and Amanda Bixby handle the daily needs of our clients. Our team offers coordination with your Accountants, Estate Planning Attorneys and other outside professionals. We believe that this type of all-inclusive collaboration helps ensure that your financial values are carried out not only today but for generations to come.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Technical analysis is the study of past price and volume trends of a security in an attempt to predict the security's future price and volume trends. Its limitations include but are not limited to: the lack of fundamental analysis of a security's financial condition, lack of analysis of macro-economic trend forecasts, the bias of the technician's view and the possibility that past participants were not entirely rational in their past purchases or sales of the security being analyzed. Investors using technical analysis should consider these limitations prior to making an investment decision.
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 Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Technical analysis is the study of past price and volume trends of a security in an attempt to predict the security's future price and volume trends. Its limitations include but are not limited to: the lack of fundamental analysis of a security's financial condition, lack of analysis of macro-economic trend forecasts, the bias of the technician's view and the possibility that past participants were not entirely rational in their past purchases or sales of the security being analyzed. Investors using technical analysis should consider these limitations prior to making an investment decision.
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
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Planning for Education FundingFootnote5
- Business Succession PlanningFootnote6
- Executive Benefit ServicesFootnote7
- Lending Products
- Philanthropic Services
- Corporate Retirement PlansFootnote8
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
Our approach is all about you. We start by listening to what you dream about and what concerns you might have. From there, we dive deeper, asking questions to understand your goals and aspirations. Then, we get to work, crafting a wealth management plan that's as unique as you and your family. Throughout this journey, we'll offer tailored advice and insights, ensuring that every step we take together is aligned with your vision for your future.
1. Introduction
From the very first conversation, we prioritize getting to know you. Our team is eager to introduce our capabilities and expertise, but our primary focus is on understanding your unique needs and aspirations. We believe that the cornerstone of the financial journey is a profound comprehension of your goals and expectations from an advisor. By fostering a strong connection, we aim to seamlessly integrate our services with your existing team of tax and legal advisors, enhancing the value we deliver through collaboration.
2. Discovery
This discussion is all about your values, aspirations, and the unique challenges you face. During our discovery meeting, we will work together to establish your financial goals through a review of your current financial situation. Recognizing that each family and business is distinct, with its own set of circumstances, we work towards developing an appropriate risk tolerance that will guide you achieve the financial outcome you envision for yourself. By delving into these during our discovery discussions, we aim to lay a solid foundation in creating your financial plan.
3. Analysis & Financial Planning
Equipped with where you are, and where you want to go, our team uses a variety of planning and stress testing tools as we identify appropriate solutions for your financial plan. Through presentation, we map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. These tools allow us to create a long-term strategy with relevant financial information to properly address asset allocation analysis and potential solutions within your portfolio.
4. Strategy Development
We meet and present in detail our recommended plan. This will include investment recommendations to align with your goals, minimize tax liabilities, and estate planning reviews. This is not a one way conversation, and based on your feedback we amend the plan before moving forward.
5. Implementation
Once you are satisfied with the direction of the plan, we begin the process of moving assets to Morgan Stanley and implementing our agreed upon strategies. Because we believe in holistic advice, we like to coordinate with your trusted CPA's and attorneys to ensure all three sets of advice and strategy are working toward the same goals.
6. White Glove Service
Our team is committed to delivering premium service to our clients. This level of service results in a level of trust that leads to our team serving our client's family wealth advisor for multiple generations.
Forbes Best In State
The Carpenter-Falconi group was included in Forbes best-in-state wealth management groups for 2023.
Forbes Best-In-State Wealth Management Teams 2023
Forbes/SHOOK has just launched its inaugural list of Best-In-State Wealth Management Teams, spotlighting teams of financial professionals identified as representing the best our industry has to offer. The Carpenter Falconi Group was named to the list in 2023.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Stephanie Falconi Nemeth - 2025 Forbes Top Women Wealth Advisor Best-In-State
Morgan Stanley announced that Stephanie Falconi Nemeth, CFP®, CRPC® Senior Vice President, Wealth Management, Financial Advisor, and Senior Portfolio Manager in the Firm’s Suntree Wealth Management office, has been named to Forbes Magazine’s 2025 list of Top Women Wealth Advisors Best-In-State.
Forbes Top Women Wealth Advisors and Top Women Wealth Advisors Best-In-State
Source: Forbes (Awarded Feb 2025) Data compiled by SHOOK Research LLC for the period 9/30/23 – 9/30/24
Forbes Top Women Wealth Advisors and Top Women Wealth Advisors Best-In-State
Source: Forbes (Awarded Feb 2025) Data compiled by SHOOK Research LLC for the period 9/30/23 – 9/30/24
Location
8150 North Wickham Road
Melbourne, FL 32940
US
Direct:
(321) 253-6843(321) 253-6843
Toll-Free:
(800) 949-2401(800) 949-2401
Meet The Carpenter Falconi Group
Stephanie Falconi Nemeth, CFP®, CRPC®
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(321) 253-6845(321) 253-6845
Phone:
(321) 253-6860(321) 253-6860
Stephanie Edmunds, CFP®
Financial Advisor
Phone:
(321) 253-6842(321) 253-6842
Victoria Brewster
Portfolio Associate
Phone:
(321) 253-6843(321) 253-6843
Irina Ceruti
Registered Client Service Associate
Phone:
(321) 253-6859(321) 253-6859
Amanda Bixby
Registered Client Service Associate
Phone:
(321) 253-6853(321) 253-6853
About Darwin Carpenter
Investors increasingly face myriad investment choices. Oftentimes, without the advantage of an experienced Financial Advisor, they react to short-term events and could easily lose sight of long-term objectives. As a Financial Advisor, I am committed to advising my clients (rather than merely providing them with information) and to help them make sense of the choices they face. I employ a responsive, proactive approach to communicating with them and focus on their most essential questions. I maintain a broad view of their financial picture, while concentrating on the details. That way, my clients are informed and better prepared to meet the changes and challenges of their and their families’ lives over the long term.
I graduated from the University of Central Florida in 1995 and started my career with Morgan Stanley in 1998. After completing the training program at the firm, I knew I wanted to dedicate my career to managing the wealth of our clients. My area of focus is personalized portfolio construction using technical and fundamental analyses. With nearly 30 years serving clients at Morgan Stanley, I have the ability to recognize market changes and their effects on the portfolios we manage.
My wife Lara and I have been married since 1995 and we have one son, Alex. In my spare time, I enjoy playing golf, fine dining and traveling.
Technical analysis is the study of past price and volume trends of a security in an attempt to predict the security's future price and volume trends. Its limitations include but are not limited to: the lack of fundamental analysis of a security's financial condition, lack of analysis of macro economic trend forecasts, the bias of the technician's view and the possibility that past participants were not entirely rational in their past purchases or sales of the security being analyzed. Investors using technical analysis should consider these limitations prior to making an investment decision.
I graduated from the University of Central Florida in 1995 and started my career with Morgan Stanley in 1998. After completing the training program at the firm, I knew I wanted to dedicate my career to managing the wealth of our clients. My area of focus is personalized portfolio construction using technical and fundamental analyses. With nearly 30 years serving clients at Morgan Stanley, I have the ability to recognize market changes and their effects on the portfolios we manage.
My wife Lara and I have been married since 1995 and we have one son, Alex. In my spare time, I enjoy playing golf, fine dining and traveling.
Technical analysis is the study of past price and volume trends of a security in an attempt to predict the security's future price and volume trends. Its limitations include but are not limited to: the lack of fundamental analysis of a security's financial condition, lack of analysis of macro economic trend forecasts, the bias of the technician's view and the possibility that past participants were not entirely rational in their past purchases or sales of the security being analyzed. Investors using technical analysis should consider these limitations prior to making an investment decision.
Securities Agent: NY, SC, NV, MT, KY, RI, OK, MS, LA, ID, GA, AR, AK, VT, OR, NJ, MO, MA, WY, WV, VA, OH, CO, WI, IL, IA, AL, WA, TN, NH, FL, CT, CA, PA, NC, MN, MI, ME, KS, UT, MD, IN, DC, TX; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278904
NMLS#: 1278904
About Stephanie Falconi Nemeth
Since my graduation from Brown University in 2006, I have dedicated myself to helping clients achieve their financial goals. My passion for the financial field started many years before that. In 1993, shortly after leaving Ecuador to return to my birth city of New York, I got accepted into Mott Hall, a middle school for gifted kids. In fifth grade, we had a group of Morgan Stanley brokers come talk to us about owning and trading stock. I was amazed at the potential value of investing.
Today, I work with affluent investors who are ready to take charge of their financial future. Whether it’s building a business or fully retiring, we have a better chance to accomplish our goals if we are willing to commit to a strategy to plan for them.
Life is about managing change. As a Financial Advisor, and CERTIFIED FINANCIAL PLANNER TM, I can build a customized plan tailored to help you meet your goals. Unless you have a plan, you may not be equipped to face the changes and challenges that are guaranteed to come your way. I have a tremendous passion for contributing to the success of others and that’s what drives me.
I currently reside in Satellite Beach with my husband Dale, daughter Alexandra and son Broden. I speak Spanish and Italian fluently. During my free time, I can either be found worshiping God on the piano, playing tennis at the Kiwi Tennis Club, enjoying the ocean with our family or traveling.
Today, I work with affluent investors who are ready to take charge of their financial future. Whether it’s building a business or fully retiring, we have a better chance to accomplish our goals if we are willing to commit to a strategy to plan for them.
Life is about managing change. As a Financial Advisor, and CERTIFIED FINANCIAL PLANNER TM, I can build a customized plan tailored to help you meet your goals. Unless you have a plan, you may not be equipped to face the changes and challenges that are guaranteed to come your way. I have a tremendous passion for contributing to the success of others and that’s what drives me.
I currently reside in Satellite Beach with my husband Dale, daughter Alexandra and son Broden. I speak Spanish and Italian fluently. During my free time, I can either be found worshiping God on the piano, playing tennis at the Kiwi Tennis Club, enjoying the ocean with our family or traveling.
Securities Agent: LA, FL, AR, WA, VA, KY, KS, CO, WY, WV, NY, NC, MS, MI, ME, IA, DC, CT, AL, WI, NH, NJ, TN, MO, MD, GA, OR, OK, OH, NV, IL, AK, TX, SC, MT, MN, ID, CA, MA, IN, UT, RI, VT, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 1619956
NMLS#: 1619956
About Christopher C. Sherman
Securities Agent: AR, WY, WV, NM, NJ, ME, MA, IN, AK, SD, PA, NH, MS, MO, KS, DE, WI, VT, SC, KY, ID, GA, CA, AL, UT, OH, HI, VA, NC, MT, IL, WA, TX, NY, NV, LA, IA, FL, DC, CT, AZ, TN, OR, RI, OK, ND, MI, CO, PR, NE, MN, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1085087
NMLS#: 1085087
About Stephanie Edmunds
I chose a career in financial planning because I believe a person’s finances are one of the most meaningful areas where I can help make a difference. Even small decisions can have a significant impact on a client’s future and their family’s future, and I find it incredibly rewarding to help clients better understand their options, gain confidence, and take steps toward long-term financial success.
As a Financial Advisor with The Carpenter Falconi Group at Morgan Stanley, I work with individuals, families, and business owners to develop personalized strategies that reflect their goals, values, and the life they are working to build. As a CERTIFIED FINANCIAL PLANNER™ professional, my approach starts with listening. Every client has a different story, and I take the time to understand what matters most before helping create a plan for the road ahead.
Whether clients are preparing for retirement, building wealth, funding education, managing risk, or thinking through legacy and wealth transfer considerations, I strive to provide thoughtful guidance with clarity and care.
I live in Indialantic with my husband, Tom and our son, Daniel. In my free time, I enjoy fishing, boating, and spending time on the water with my family.
As a Financial Advisor with The Carpenter Falconi Group at Morgan Stanley, I work with individuals, families, and business owners to develop personalized strategies that reflect their goals, values, and the life they are working to build. As a CERTIFIED FINANCIAL PLANNER™ professional, my approach starts with listening. Every client has a different story, and I take the time to understand what matters most before helping create a plan for the road ahead.
Whether clients are preparing for retirement, building wealth, funding education, managing risk, or thinking through legacy and wealth transfer considerations, I strive to provide thoughtful guidance with clarity and care.
I live in Indialantic with my husband, Tom and our son, Daniel. In my free time, I enjoy fishing, boating, and spending time on the water with my family.
Securities Agent: NC, MD, KS, AR, PA, OR, NM, LA, WI, RI, MI, ME, IN, IA, FL, WY, VA, CT, VI, PR, IL, ID, DE, DC, MS, MN, KY, TN, SD, OK, OH, NE, MA, HI, CO, CA, WA, UT, TX, NY, NV, ND, GA, AK, SC, NJ, NH, MT, MO, AZ, AL, WV, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 1923718
NMLS#: 1923718
About Victoria Brewster
Morgan Stanley is one of the largest and well regarded financial firms known for our world class service. We have been recognized for helping clients build, manage and preserve financial assets through personalized wealth management programs and exceptional client service. With my perspective, experience, skills and unwavering client focus, I can help you with all of your financial service needs. I have my life and variable annuities licenses and I am a Senior Registered Service Associate with my series 7, 31, 63 & 66 licenses.
I graduated from Florida State University and I have worked in the Financial Industry since 1993. My husband Steve and I have been married since 1989. We have one son, Quinn who graduated from Holy Trinity Episcopal Academy and currently studies engineering at University of South Florida. In my spare time, I enjoy gardening, fishing, cooking and spending time with my family.
I graduated from Florida State University and I have worked in the Financial Industry since 1993. My husband Steve and I have been married since 1989. We have one son, Quinn who graduated from Holy Trinity Episcopal Academy and currently studies engineering at University of South Florida. In my spare time, I enjoy gardening, fishing, cooking and spending time with my family.
About Irina Ceruti
I am a Client Service Associate at Morgan Stanley Wealth Management, where I support Financial Advisors and clients with a focus on service excellence, operational efficiency, and relationship management. I have been in my current role for four years and bring 15 years of prior experience in retail banking, which provided me with a strong foundation in client service, financial operations, and banking solutions. I graduated from Ural State University and take pride in my professionalism, attention to detail, and commitment to delivering a positive client experience.
In my free time I enjoy traveling, hiking and spending time with my family.
In my free time I enjoy traveling, hiking and spending time with my family.
About Amanda Bixby
I graduated from the University of Central Florida with a Bachelor of Science in Finance. With beginning my Morgan Stanley journey as an intern, I was able to develop a strong foundation in wealth management, financial planning, and client service, which ultimately led to my transition into the Client Service Associate role.
I am passionate about helping clients and building meaningful, long-term relationships. My goal is to support clients as they work toward achieving their financial objectives. I remain committed to continuing my professional development to better serve the individuals and families who place their trust in our team.
Outside of the office, I enjoy staying active through weightlifting, trying new recipes in the kitchen, and traveling.
I am passionate about helping clients and building meaningful, long-term relationships. My goal is to support clients as they work toward achieving their financial objectives. I remain committed to continuing my professional development to better serve the individuals and families who place their trust in our team.
Outside of the office, I enjoy staying active through weightlifting, trying new recipes in the kitchen, and traveling.
Contact Darwin Carpenter
Contact Stephanie Falconi Nemeth
Contact Christopher C. Sherman
Contact Stephanie Edmunds
Wealth Management
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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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:
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- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Carpenter Falconi 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.
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.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When 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.
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.
5When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan 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.
7When 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.
8When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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*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.
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Awards Disclosures | Morgan Stanley
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.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When 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.
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.
5When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan 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.
7When 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.
8When 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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
