Jay Carroll
Managing Director, Wealth Management, Senior Portfolio Management Director, Alternative Investments Director, Insurance Planning Director, Lending Specialist
Phone:
(617) 478-6581(617) 478-6581
The Carroll Wealth Management Team at Morgan Stanley
Direct:
(617) 478-6581(617) 478-6581
Our Mission Statement
Delivering the experience, resources and personalized service needed to help affluent families address their most complex wealth management issues.
Welcome
Managing wealth involves far more than managing an investment portfolio. It begins with developing a holistic, comprehensive understanding of who you are and the financial forces at work in your life. It means helping you understand and respond effectively to these forces. And, of course, it means helping you invest your assets in a way that reflects the realities of your life and the uniqueness of your long‐term goals.
The Carroll Wealth Management Team strives to deliver unsurpassed excellence in working with high net worth individuals, their families, foundations, and businesses. We are committed to building a relationship of trust working closely together to help define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you.
Our Team's Founder and Managing Partner, Jay Carroll, is consistently ranked by Barron's & Forbes as one of the country’s top Wealth Advisors.
Our most important goal: to help you achieve your objectives and provide guidance that helps your wealth do more for you and your family.
The Carroll Wealth Management Team strives to deliver unsurpassed excellence in working with high net worth individuals, their families, foundations, and businesses. We are committed to building a relationship of trust working closely together to help define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you.
Our Team's Founder and Managing Partner, Jay Carroll, is consistently ranked by Barron's & Forbes as one of the country’s top Wealth Advisors.
Our most important goal: to help you achieve your objectives and provide guidance that helps your wealth do more for you and your family.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
2020-2025 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (2020-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2021-2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (2021-2025) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods: (2021-2025)
2022-2025 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State) Source: Barrons.com (2022-2025). Data compiled by Barron's based on 12-month period concluding in Sept. of the year prior to the issuance of the award.
Source: Forbes.com (2020-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2021-2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (2021-2025) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods: (2021-2025)
2022-2025 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State) Source: Barrons.com (2022-2025). Data compiled by Barron's based on 12-month period concluding in Sept. of the year prior to the issuance of the award.
Location
28 State Street
27th Floor
Boston, MA 02109
US
Direct:
(617) 478-6581(617) 478-6581
Meet The Carroll Wealth Management Team
Andrew Marks, CFA
Vice President, Director of Investments
Phone:
(617) 478-6582(617) 478-6582
Lisa Thors
Senior Vice President, Director of Business Strategy
Phone:
(617) 478-6434(617) 478-6434
Kate Hurley
Portfolio Management Associate
Phone:
(617) 478-6499(617) 478-6499
Joe Jorgenson
Registered Client Service Associate
Phone:
(617) 478-6583(617) 478-6583
About Jay Carroll
For over 30 years, Jay has spent his career advising high net worth individuals, families, and institutions. Jay and his team partner with clients who share similar interests, morals and family values that formulate genuine long term multi-generational relationships.
Jay is a nationally recognized industry leader and falls in the top 1% of Morgan Stanley’s 18,000 financial advisors. At Morgan Stanley, he is a managing director, senior portfolio management director, alternative investment director, insurance planning director, and lending specialist.
A seasoned and respected investment professional, Jay has been named Best-In-State Wealth Advisor by Forbes in 2020-2025, Barron’s Top 1200 Financial Advisor in 2022-2025, received the Five Star Wealth Manager Award 2021-2025, and since 2021 has been named to Morgan Stanley’s Chairman’s Club, an elite group of the firm’s top financial advisors.
Jay and his team partner with Morgan Stanley to take advantage of the firm’s global resources and industry-leading technology. Previously Jay was the founder and managing partner of Colonial Wealth Management, an investment advisory firm that was acquired by Banyan Partners and eventually Boston Private Wealth. Jay and his wife Carolyn live in Wellesley, MA and have three adult children. Jay is a graduate of Boston College, The College of Financial Planning and enjoys spending time in Florida and Cape Cod.
Jay is a nationally recognized industry leader and falls in the top 1% of Morgan Stanley’s 18,000 financial advisors. At Morgan Stanley, he is a managing director, senior portfolio management director, alternative investment director, insurance planning director, and lending specialist.
A seasoned and respected investment professional, Jay has been named Best-In-State Wealth Advisor by Forbes in 2020-2025, Barron’s Top 1200 Financial Advisor in 2022-2025, received the Five Star Wealth Manager Award 2021-2025, and since 2021 has been named to Morgan Stanley’s Chairman’s Club, an elite group of the firm’s top financial advisors.
Jay and his team partner with Morgan Stanley to take advantage of the firm’s global resources and industry-leading technology. Previously Jay was the founder and managing partner of Colonial Wealth Management, an investment advisory firm that was acquired by Banyan Partners and eventually Boston Private Wealth. Jay and his wife Carolyn live in Wellesley, MA and have three adult children. Jay is a graduate of Boston College, The College of Financial Planning and enjoys spending time in Florida and Cape Cod.
Securities Agent: DC, NV, NJ, OH, NY, VT, SC, CA, TN, RI, OR, LA, UT, ME, KS, DE, CT, WI, TX, MI, SD, NH, IL, GA, AZ, VA, MD, CO, WA, NC, MS, HI, FL, WV, PR, PA, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 1744849
NMLS#: 1744849
About Andrew Marks
We believe that working as a team provides clients with our best collective thinking and helps to ensure you benefit from the highest levels of service and execution.
Working with many different types of individuals and families has given Andrew and our team the experience, perspective and skill to help build a promising financial future for you and your family.
Andrew leads the team's investment and portfolio management process, working in tandem with Morgan Stanley’s Global Investment Committee to develop and implement custom asset allocation and portfolio construction strategies – while focusing on risk management and tax mitigation.
Andrew joined Morgan Stanley with The Carroll Team from Boston Private where he held a portfolio advisory role on the firm’s investment team. Andrew is a University of Delaware graduate and currently lives in Boston. He and his family have supported the Fresh Air Fund for 20+ years, a program that partners with underprivileged children from New York City. He is also a proud supporter of Boston’s sports teams and enjoys spending his summers on the beaches of Narragansett, Rhode Island.
Working with many different types of individuals and families has given Andrew and our team the experience, perspective and skill to help build a promising financial future for you and your family.
Andrew leads the team's investment and portfolio management process, working in tandem with Morgan Stanley’s Global Investment Committee to develop and implement custom asset allocation and portfolio construction strategies – while focusing on risk management and tax mitigation.
Andrew joined Morgan Stanley with The Carroll Team from Boston Private where he held a portfolio advisory role on the firm’s investment team. Andrew is a University of Delaware graduate and currently lives in Boston. He and his family have supported the Fresh Air Fund for 20+ years, a program that partners with underprivileged children from New York City. He is also a proud supporter of Boston’s sports teams and enjoys spending his summers on the beaches of Narragansett, Rhode Island.
About Lisa Thors
As Director of Business Strategy for the Carroll Wealth Management Team at Morgan Stanley, Lisa functions as the team’s chief operating officer with responsibility for managing the business operations of the team. Lisa plays a critical role in maintaining the team’s exceptional client service standards, ensuring that clients and their families feel well cared for, their voices are heard, and that their advisor is guiding them toward well-informed decisions.
Prior to joining Morgan Stanley, Lisa spent 16 years at Wellington Management as a relationship manager to family offices, endowments and foundations. Before Wellington, Lisa was an analyst and portfolio manager at Winslow Management Company and held various positions in equity research and investment banking.
Lisa received a BA from Yale University and an MBA from Harvard University. Lisa and her husband, Rex, live in Brookline, MA, and have two adult children. Outside of the office, Lisa is a trustee of Boston University and of WBUR radio station and serves on the investment committee of Historic New England. She also enjoys running, birding, and spending time in Downeast Maine.
Prior to joining Morgan Stanley, Lisa spent 16 years at Wellington Management as a relationship manager to family offices, endowments and foundations. Before Wellington, Lisa was an analyst and portfolio manager at Winslow Management Company and held various positions in equity research and investment banking.
Lisa received a BA from Yale University and an MBA from Harvard University. Lisa and her husband, Rex, live in Brookline, MA, and have two adult children. Outside of the office, Lisa is a trustee of Boston University and of WBUR radio station and serves on the investment committee of Historic New England. She also enjoys running, birding, and spending time in Downeast Maine.
About Kate Hurley
Quality and efficiency of personalized service is the fundamental principle that drives everything we do.
As Portfolio Management Associate, Kate is committed to first class client service and delivering financial strategies. She works closely with clients to implement on their tailored investment portfolios and oversees client operations for the team. Kate also monitors the alternative investments in client portfolios.
Kate joined Morgan Stanley in 2021 after earning a B.S. in Finance from Providence College. She currently resides in Boston's Beacon Hill, and in her free time enjoys cooking, walks along the Charles River, and spending time with family and friends.
As Portfolio Management Associate, Kate is committed to first class client service and delivering financial strategies. She works closely with clients to implement on their tailored investment portfolios and oversees client operations for the team. Kate also monitors the alternative investments in client portfolios.
Kate joined Morgan Stanley in 2021 after earning a B.S. in Finance from Providence College. She currently resides in Boston's Beacon Hill, and in her free time enjoys cooking, walks along the Charles River, and spending time with family and friends.
About Joe Jorgenson
As a Client Service Associate, Joe aims to provide the utmost level of care and dedication for each client. Joe handles a diverse array of administrative and operational tasks relating to specific client needs. Joe believes in taking a proactive approach when addressing client needs and delivering an exceptional level of care and service.
Joe joined Morgan Stanley in 2025 after receiving his B.S in Financial Planning from Merrimack College. He holds Series 7, 63, 65, and Life & Health Insurance licenses. In his free time, Joe enjoys playing golf, coaching youth lacrosse, cooking, and spending time with friends and family.
Joe joined Morgan Stanley in 2025 after receiving his B.S in Financial Planning from Merrimack College. He holds Series 7, 63, 65, and Life & Health Insurance licenses. In his free time, Joe enjoys playing golf, coaching youth lacrosse, cooking, and spending time with friends and family.
Contact Jay Carroll
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
Christian Catricala
Private Banker
Victor Diune
Family Office Resource Generalist
About Christian Catricala
Christian Catricala is a Private Banker serving Morgan Stanley Wealth Management offices in Massachusetts and Rhode Island.
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.
Christian began his career in financial services in 2015, and joined Morgan Stanley in 2016 as a Rotational Analyst supporting a variety of divisions in Wealth Management. Prior to being promoted to his current role, he was an Associate Private Banker supporting Wealth Management offices in Boston, Massachusetts.
Christian is a graduate of the Merrimack College, where he received a Bachelor of Science in Accounting and Marketing. He lives in Melrose, Massachusetts with his wife. Outside of the office, Christian enjoys cooking, biking, and traveling.
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.
Christian began his career in financial services in 2015, and joined Morgan Stanley in 2016 as a Rotational Analyst supporting a variety of divisions in Wealth Management. Prior to being promoted to his current role, he was an Associate Private Banker supporting Wealth Management offices in Boston, Massachusetts.
Christian is a graduate of the Merrimack College, where he received a Bachelor of Science in Accounting and Marketing. He lives in Melrose, Massachusetts with his wife. Outside of the office, Christian enjoys cooking, biking, and traveling.
NMLS#: 1773684
About Joshua Levy
Joshua Levy is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Joshua provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Binghamton University and received the Financial Planning Specialist® designation from the College for Financial Planning. Joshua is originally from Bellmore, New York and currently resides there.
He earned his undergraduate degree from Binghamton University and received the Financial Planning Specialist® designation from the College for Financial Planning. Joshua is originally from Bellmore, New York and currently resides there.
About Victor Diune
Victor Diune is a Family Office Resources Generalist for Morgan Stanley’s Family Office Resources, covering the Northeast Region. In this capacity, Victor provides specialized expertise to Financial Advisors and their UHNW clients across a broad range of family wealth management issues including; family governance and wealth education, strategic estate and financial planning, philanthropy management and lifestyle advisory. Victor has over 20 years of experience advising wealthy families, business owners, and their children.
Victor has spent the last 22 years at Bank of America/Merrill Lynch. Most recently, he was a Director, Wealth Strategist, working with Merrill Private Wealth Advisors and Financial Advisors, along with their UHNW clients advising them on estate and legacy planning, wealth transfer strategies and philanthropic planning. He was also responsible for developing, consulting and implementing business succession plans as well as providing advice on fiduciary investment management and tax reduction strategies.
Victor received a Bachelor of Arts degree in Political Science from University of Illinois in Urbana-Champaign, received his JD/MBA degree from Suffolk University Law School/Sawyer School of Management, and his LLM in Tax from Boston University School of Law. He holds a Series 7 and 66 securities licenses. He currently lives in Hopkinton, MA with his wife and their 4 children.
Victor has spent the last 22 years at Bank of America/Merrill Lynch. Most recently, he was a Director, Wealth Strategist, working with Merrill Private Wealth Advisors and Financial Advisors, along with their UHNW clients advising them on estate and legacy planning, wealth transfer strategies and philanthropic planning. He was also responsible for developing, consulting and implementing business succession plans as well as providing advice on fiduciary investment management and tax reduction strategies.
Victor received a Bachelor of Arts degree in Political Science from University of Illinois in Urbana-Champaign, received his JD/MBA degree from Suffolk University Law School/Sawyer School of Management, and his LLM in Tax from Boston University School of Law. He holds a Series 7 and 66 securities licenses. He currently lives in Hopkinton, MA with his wife and their 4 children.
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Ready to start a conversation? Contact The Carroll Wealth Management Team today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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.
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 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.
6Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
7Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
8Morgan 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
9Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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.
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 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.
6Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
7Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
8Morgan 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
9Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
