Norman Fincher
Executive Director, Financial Advisor, Senior Portfolio Management Director
Phone:
(541) 772-0229(541) 772-0229
The Cedar Ridge Group at Morgan Stanley
Direct:
(541) 772-0273(541) 772-0273
Toll-Free:
(800) 547-1741(800) 547-1741
Our Mission Statement
"Personalized wealth management for individuals, families, and institutions"
"You deserve a financial advisory team who shares your vision, earns your trust and works diligently to help you attain the life you desire for yourself and your family.”
Many financial professionals talk about wealth management, but we believe few actually practice it. For us, wealth management means more than offering our clients investment advice. It means helping them maintain the financial independence they’ve worked their whole lives to achieve. It means striving to ensure they have the means to pursue what’s most important to them. And it means understanding them as people with unique goals, values and circumstances that determine the strategies we employ on their behalf. You'll find us to be people who share your vision and work diligently to earn your trust and help you fulfill your fondest aspirations.
We look forward to having an opportunity to explore how we might be of service with your wealth management needs.
In both our lives and work, we are guided by the following principles:
• Listen carefully and actively
• Communicate clearly and concisely
• Give highly individualized attention
• Seek to provide strategies to your unique goals and objectives
• Work toward achieving tangible results
• Focus on the best interests of the people in our lives
Our team's email address is thecedarridgegroup@morganstanley.com.
We look forward to having an opportunity to explore how we might be of service with your wealth management needs.
In both our lives and work, we are guided by the following principles:
• Listen carefully and actively
• Communicate clearly and concisely
• Give highly individualized attention
• Seek to provide strategies to your unique goals and objectives
• Work toward achieving tangible results
• Focus on the best interests of the people in our lives
Our team's email address is thecedarridgegroup@morganstanley.com.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
We care a great deal about our clients. That’s why we only work with a limited number of them. We find that by maximizing our involvement, we can provide clients with the attention they deserve and personalized advice that can help them meet their most challenging objectives.
You can look to us for assistance in helping you develop strategies for:
You can look to us for assistance in helping you develop strategies for:
Professional Investment Management
We provide investment management for our individual and institutional clients on a fully discretionary basis as part of the Portfolio Management Program at Morgan Stanley to help meet your specific needs. The program was established in 1979 to provide individual investors with a level of personalized portfolio management typically reserved for major institutional investors. As Portfolio Management Directors we have been qualified by the firm to independently manage client assets based on advanced training, experience, and commitment to service.
Estate Planning Strategies and Trusts
Leaving a legacy to loved ones is as important an objective for many of our clients as creating that legacy through prudent investments. We can assist you to develop a plan to help ensure your assets will be used as you intend them to be. And through the judicious use of trusts, beneficiary designation and other estate planning techniques, we can strive to reduce potential tax erosion of the assets you’ve worked a lifetime to accumulate.
Family Office Services
With Morgan Stanley’s extensive expertise in this area, the strategy we develop together can address such concerns as:
- Maintaining family unity across generations by focusing on family mission, governance, conflict management and family endowments
- Determining how to support favorite charities in the most beneficial way possible
- Developing cost-effective liquidity solutions
- Establishing and managing trusts without assuming responsibility for managing financial and non-financial assets
- Maintaining family unity across generations by focusing on family mission, governance, conflict management and family endowments
- Determining how to support favorite charities in the most beneficial way possible
- Developing cost-effective liquidity solutions
- Establishing and managing trusts without assuming responsibility for managing financial and non-financial assets
Financial Planning for Individuals
We offer comprehensive financial planning services for client needs which include recommendations for assets, liabilities, cash flow, wealth transfer and asset protection. Separate analyses are available to address such specific needs as education funding, retirement income, insurance, and charitable giving.
Working With You
The relationship we develop with our clients may be different from those you’ve formed with other financial professionals. Certainly, we want to know about your finances and investment portfolio, but we also want to understand your fondest aspirations and how you hope to achieve them, your feelings about where you are and where you hope to be and, of course, your fears about what might prevent you from getting what you want.
We believe in planning. Comprehensive, formal financial planning that documents all your most pressing objectives and details a strategy designed to help you reach them.
Our planning process involves four distinct phases:
We believe in planning. Comprehensive, formal financial planning that documents all your most pressing objectives and details a strategy designed to help you reach them.
Our planning process involves four distinct phases:
1. Understanding your needs
Our initial conversations are in-depth. We’ll ask you about your assets, liabilities and cash flow needs, but we’ll also discuss the hopes, values, preferences, and attitudes that might influence your future activities.
2. Creating your plan
We analyze your input and develop a formal financial plan that contains specific recommendations designed to help meet the objectives you established. Recommendations may encompass such varied disciplines as retirement planning, business continuation, tax minimization and wealth transfer. But importantly, the strategies we formulate are designed to work in concert with each other, so that implementing one will not adversely affect your ability to implement another.
3. Executing your plan
After presenting your plan to you, we work closely with you to bring it to life. That may involve consultation with Morgan Stanley experts to help you restructure debt, pursue philanthropic interests, or perhaps leave a legacy that reflects your wishes and potentially minimizes estate tax. We will also work with you to develop an appropriate asset allocation for your investment portfolio that is based on your objectives, timeframe and risk tolerance. And we will help you implement that allocation with carefully conceived investment ideas or outside money managers who make day-to-day investment decisions on your behalf.
4. Monitoring your progress
As you would expect, we believe that ongoing communication is a vital component of our relationship. You can expect to talk to us often, so that we are always aware of any changes in your life that might require new financial approaches or an adjustment to your existing strategy.
Experience
In both our lives and work, we are guided by the following principles:
• Listen carefully and actively
• Communicate clearly and concisely
• Give highly individualized attention
• Seek to provide strategies to your unique goals and objectives
• Work toward achieving tangible results
• Focus on the best interests of the people in our lives
• Listen carefully and actively
• Communicate clearly and concisely
• Give highly individualized attention
• Seek to provide strategies to your unique goals and objectives
• Work toward achieving tangible results
• Focus on the best interests of the people in our lives
Location
3103 Signature Court
Ste 101
Medford, OR 97504
US
Direct:
(541) 772-0273(541) 772-0273
Toll-Free:
(800) 547-1741(800) 547-1741
Meet The Cedar Ridge Group
Paul Smith, CFP®, CPWA®
Executive Director, Financial Advisor, Family Wealth Director, Senior Portfolio Management Director, CERTIFIED FINANCIAL PLANNER®, Certified Private Wealth Advisor®
Phone:
(541) 618-6408(541) 618-6408
Kristina West, QPFC
Financial Advisor, Financial Planning Specialist
Phone:
(541) 772-0263(541) 772-0263
Lisa Preston
Vice President, Wealth Management Associate
Phone:
(541) 772-0271(541) 772-0271
James Likes
Senior Registered Client Service Associate
Phone:
(541) 772-0234(541) 772-0234
About Norman Fincher
Norman brings 26 years of experience working in the securities trading and wealth management industry to his work as a Financial Advisor and Portfolio Management Director. He focuses on portfolio management, equity holdings and taxable and municipal fixed income investments, insurance reviews, and investment research for the team. Norman graduated from Westminster College in Salt Lake City, Utah with a Bachelor’s in Economics. He serves as a member of several non-profit boards. He and his wife, Patty, live in Medford, and have four children and three grandchildren. They enjoy hiking, fishing, river boating, and other outdoor activities.
Securities Agent: AK, TX, ME, AZ, MO, KS, CT, CA, NV, NC, MT, MA, LA, IN, HI, OR, IA, WA, MI, AR, WI, NM, UT, NY, GA, VA, OK, NJ, IL, FL, SD, PA, ID, CO; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1265025
NMLS#: 1265025
About Paul Smith
Paul brings 41 years of experience working with high-net-worth families, as well as nonprofit institutions to his work as a Financial Advisor and Portfolio Management Director. A CERTIFIED FINANCIAL PLANNER™ professional and Certified Private Wealth Advisor®, Paul focuses on financial planning, family legacy and estate planning strategies, and manager and alternative investments research for the team. Paul graduated Phi Beta Kappa from the College of Wooster in Wooster, Ohio, and earned a Master’s degree from Indiana University. He is involved with several non-profit organizations and is a member of the Medford Rogue Rotary Club. He and his wife, Rebecca, live in Medford, and have four children and six grandchildren. They enjoy sailing, hiking, and outdoor recreation.
Securities Agent: WI, TX, ME, KS, HI, AZ, OK, MA, CA, CO, AR, AK, NY, NM, NC, IA, GA, MO, NV, VA, UT, MT, FL, CT, WA, SD, PA, IL, ID, MI, IN, OR, NJ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279627
CA Insurance License #: 0F12743
NMLS#: 1279627
CA Insurance License #: 0F12743
About Kristina West
Kristina joined the team in May 2023 and focuses on client service and assisting the team with financial planning. Previously, she spent five years working with a local investment firm providing client support and working on financial plans. Kristina grew up in Klamath Falls and earned her undergraduate degree from Portland State University. She and her husband, Danny, live in Medford with their three dogs: Wyatt, Doc, and Virgil. She enjoys gardening, working on house projects, and expanding her rock collection.
Securities Agent: MT, WI, OR, MO, TN, WA, IN, GA, CO, VA, PA, IL, ID, FL, OH, CA, AR, NY, NJ, LA, IA, HI, AK, OK, ME, CT, MI, MA, TX, KS, AZ, SD, NV, UT, NM; General Securities Representative; Investment Advisor Representative
NMLS#: 2496175
NMLS#: 2496175
About Lisa Preston
Lisa brings 22 years of financial services experience to her work as a Wealth Management Associate, servicing client relationships and overseeing the general operations of the team and the managed account processes. Lisa is a native of Prospect, Oregon, having moved to Southern California before returning to the Rogue Valley in 1994 where she raised two children. She and her husband, Cary, live in Medford and enjoy spending time with friends and family, working in their yard, fishing, and camping with their two dogs: Maxx, and Tucker.
About James Likes
James brings 25 years of experience in the financial services industry, beginning his professional career with Morgan Stanley in 1999. As a Senior Registered Client Service Associate, he provides service to clients and supports the operations of the team. An Oregon native, James earned a Bachelor of Arts Degree with Honors with a major in Business Administration and a minor in Economics from the University of Oregon, and an MBA from Case Western Reserve University. He and his wife, Maggie, have three sons, and two cats: Dexter and Luna, and enjoy home projects, boating, and cheering on the Oregon Ducks.
Contact Norman Fincher
Contact Paul Smith
Contact Kristina West
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
Ian McCormick
Private Banker
Terry Gravely, CFP®
Financial Planning Director, Vice President
Clint Eddy
Family Office Resource Generalist
About Ian McCormick
Ian McCormick is a Private Banker serving Morgan Stanley Wealth Management offices in Oregon.
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.
Ian began his career in financial services in 2011, and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, he was a Director of Business Development at Fort West. He also served as a Production Manager-Loan Officer at Churchill Mortgage.
Ian is a graduate of Oregon State University, where he received a Bachelor of Science in Finance. He lives in Portland, Oregon with his family. Outside of the office, Ian enjoys hunting, fishing, skiing and rafting.
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.
Ian began his career in financial services in 2011, and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, he was a Director of Business Development at Fort West. He also served as a Production Manager-Loan Officer at Churchill Mortgage.
Ian is a graduate of Oregon State University, where he received a Bachelor of Science in Finance. He lives in Portland, Oregon with his family. Outside of the office, Ian enjoys hunting, fishing, skiing and rafting.
NMLS#: 845310
About Terry Gravely
Terry Gravely is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Seattle. He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Terry began his career in financial services in 2000, and joined Morgan Stanley in 2021. Prior to his current position, he worked as a registered investment advisor and certified teacher.
Terry graduated from Virginia Tech and holds his CERTIFIED FINANCIAL PLANNER™ and Certified Personal Wealth Advisor® designations. Terry lives in Seattle, Washington where he enjoys spending time with his grandchildren. Outside of work, Terry volunteers at an elementary school.
Terry began his career in financial services in 2000, and joined Morgan Stanley in 2021. Prior to his current position, he worked as a registered investment advisor and certified teacher.
Terry graduated from Virginia Tech and holds his CERTIFIED FINANCIAL PLANNER™ and Certified Personal Wealth Advisor® designations. Terry lives in Seattle, Washington where he enjoys spending time with his grandchildren. Outside of work, Terry volunteers at an elementary school.
About Clint Eddy
Clint Eddy is an Executive Director with the Family Office Resources (FOR) team at Morgan Stanley. As a Generalist with FOR he helps clients and Advisors curate and navigate an expansive suite of highly specialized resources to address the complex, multifaceted challenges of managing significant wealth so clients may make complicated decisions confidently.
Prior to joining Morgan Stanley in 2022, Clint was a Wealth Strategist at Merrill Lynch for over 15 years. Clint also practiced tax and business law at the law firm of Fox Rothschild for over six years. He was a member of the firm’s Estate Planning and Tax and Corporate Transactions groups. Clint is a member of Washington State Bar Association (WSBA) and is actively involved in the WSBA’s Real Property, Probate and Trust section. He is the co-author of the Washington Partnership and Limited Liability Company Deskbook and was named a “Rising Star” by Washington Law and Politics magazine.
Clint received his Master of Laws in Taxation from the University of Washington School of Law, his Juris Doctor from the University of Oregon School of Law, and his Bachelor of Arts from the University of Washington. He is Series 7 and 66 licensed.
Outside of work Clint is an avid, but admittedly, pretty awful skier. He and his fiancé live in Seattle with their 10 year old Boston Terrier named Annie.
Prior to joining Morgan Stanley in 2022, Clint was a Wealth Strategist at Merrill Lynch for over 15 years. Clint also practiced tax and business law at the law firm of Fox Rothschild for over six years. He was a member of the firm’s Estate Planning and Tax and Corporate Transactions groups. Clint is a member of Washington State Bar Association (WSBA) and is actively involved in the WSBA’s Real Property, Probate and Trust section. He is the co-author of the Washington Partnership and Limited Liability Company Deskbook and was named a “Rising Star” by Washington Law and Politics magazine.
Clint received his Master of Laws in Taxation from the University of Washington School of Law, his Juris Doctor from the University of Oregon School of Law, and his Bachelor of Arts from the University of Washington. He is Series 7 and 66 licensed.
Outside of work Clint is an avid, but admittedly, pretty awful skier. He and his fiancé live in Seattle with their 10 year old Boston Terrier named Annie.
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
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.
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
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.
Wealth Management
From Our Team
Cedar Ridge Group Brochure
Wealth Management
Global Investment Office
Portfolio Insights
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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
Rational Investing in an Age of Uncertainty
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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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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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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
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Cedar Ridge Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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.
3Morgan 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.
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 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | 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.
3Morgan 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.
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 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
CRC 4665150 (8/2025)
