Joseph Adamo, CPM®
Senior Vice President, Financial Advisor, Senior Portfolio Management Director
Phone:
(858) 613-8156(858) 613-8156
The CenterPoint One Group at Morgan Stanley
Direct:
(858) 613-7107(858) 613-7107
Toll-Free:
(800) 755-3765(800) 755-3765
Our Mission Statement
Serving as your personal CFO, we help solve tough financial challenges with easy-to-understand strategies, tailored advice, and quality investment management. We strive to be your single point of contact for almost all your financial needs.
Our Story and Services
The CEO of a successful business defines a vision and assembles the right team to transform that vision into reality. A critical member of that team is the CFO, who provides dedicated skills and guidance for all the company’s financial decisions.
The CenterPoint One Group will serve as your personal CFO, focusing on virtually all aspects of your life – from preparing for retirement and caring for aging parents to selling a profitable business and leaving a lasting legacy. Our priority is to deliver objective and thoughtful advice that helps empower you to make wise and confident decisions about your family, your future and your finances.
As an experienced team of caring professionals, we are committed to helping you understand and overcome the distractions of challenging markets to help you meet your goals, while helping strengthen your family’s financial wellness now and for generations to come. We are proud of the services and solutions we provide each client and welcome the opportunity to help deliver this same level of excellence to you and your family.
Getting started is easy. It begins with a conversation. We look forward to speaking with you soon.
The CenterPoint One Group will serve as your personal CFO, focusing on virtually all aspects of your life – from preparing for retirement and caring for aging parents to selling a profitable business and leaving a lasting legacy. Our priority is to deliver objective and thoughtful advice that helps empower you to make wise and confident decisions about your family, your future and your finances.
As an experienced team of caring professionals, we are committed to helping you understand and overcome the distractions of challenging markets to help you meet your goals, while helping strengthen your family’s financial wellness now and for generations to come. We are proud of the services and solutions we provide each client and welcome the opportunity to help deliver this same level of excellence to you and your family.
Getting started is easy. It begins with a conversation. We look forward to speaking with you soon.
Services Include
- Wealth ManagementFootnote1
- 401(k) Rollovers
- Asset Management
- Business PlanningFootnote2
- Business Succession PlanningFootnote3
- Endowments and FoundationsFootnote4
- Estate Planning StrategiesFootnote5
- Fixed IncomeFootnote6
- Lending Products
- Life InsuranceFootnote7
- Long Term Care InsuranceFootnote8
- Municipal BondsFootnote9
- Philanthropic Services
- Retirement PlanningFootnote10
- Trust AccountsFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
We can create your personal roadmap to help achieve and protect your goals - a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Listen
- Meet and Greet
- Understand goals / needs
- Learn principles and values
"When people talk we listen"
- Understand goals / needs
- Learn principles and values
"When people talk we listen"
Identify
- Identify areas of concern
- Prioritize needs / wants
- Understand resources available for goals
- Prioritize needs / wants
- Understand resources available for goals
Formulate
- Create a roadmap to success
- Determine the best investment strategies
- Decide how to implement strategies in tax efficient manner
- Execute strategies
- Determine the best investment strategies
- Decide how to implement strategies in tax efficient manner
- Execute strategies
Evaluate
- Track progress as well as spending and savings
- Ensure you remain on track towards your goals.
- Ensure you remain on track towards your goals.
We Want to help
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisors, we can help you achieve your financial goals.
2026 Tax Tables
This helpful resource outlines the 2026 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
View 2026 Tax Tables
Manage Debt
We thoroughly review your mortgage, car loans, credit cards, and any other debts that you may have in order to help determine where you can save on interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.
Staying On Track
Retirement
Leading up to and through retirement, The CenterPoint One Group helps you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve your financial goals.
Ready To Retire?
Insured Solutions
As a leader in the distribution of insurance and annuities, our offerings include disability, long-term care and property & casualty insurance, as well as fixed, indexed and variable annuities. Morgan Stanley offers these products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley Insured Solutions
Cash Management and Lending Solutions
At Morgan Stanley, we offer unique cash management and lending solutions to complement your investments and help simplify your finances.
Explore the Full Suite of Offerings
Legacy Planning
You can’t take it with you, but through a trust, you can define how you want your life’s work and wealth to continue to benefit the people and causes you love and care for.
View Video Here
Charitable Giving
A person may make gifts to charitable organizations and may receive income, gift and/or estate tax charitable deductions. The organization may be a public charity, a private foundation, or a hybrid of the two.
Ways To Give Back
Tax Strategies
Tax strategies can have a surprisingly large potential impact on lifetime wealth accumulation.
Tax-Efficient InvestingAdvice Matters
The personalized solutions we create are carefully tailored to address your specific questions and concerns. They leverage experience, knowledge and insights, so you can focus on building your business and tackling new challenges.
LinkedIn:
- Ron Thomas
Top Client Concerns
- Are there opportunities to improve my current financial goals?
- How do I grow – and preserve – these assets? Do I have the right asset mix?
- How do I tap into Morgan Stanley’s extensive resources to expand my business (e.g., banking and lending opportunities)?
- How do I make sure my personal assets are structured properly to achieve my long-term goals for my family?
- When I’m ready to retire, what are the best strategies to exit my business?
Digital Tools
Our comprehensive suite of digital tools is designed to help enhance every aspect of your financial life. We have also included resources meant to transform complex financial analysis and research.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Total Wealth View
Total Wealth View gives you ability to view all of your assets and liabilities together, whether held at Morgan Stanley or elsewhere. This can further enable us to advise and manage, taking your entire financial picture into account.
Learn More About TWV
E-Authorization
eAuthorization allows clients to electronically authorize domestic and international, one-time/recurring transactions through Morgan Stanley Online and the Morgan Stanley Mobile App.
Learn More About eAuthorization
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows for easy sharing and convenient access to life’s most important documents from wills and deeds to financial statements and tax fillings. Easily manage your encrypted financial records all in one place.
Learn More About DV
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen To The Latest Episode
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest ReportLocation
6041 La Flecha
Box 415
Rancho Santa Fe, CA 92067
US
Direct:
(858) 613-7107(858) 613-7107
Toll-Free:
(800) 755-3765(800) 755-3765
Meet The CenterPoint One Group
Ronald William Thomas
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(858) 613-7107(858) 613-7107
Steven H. Schuknecht
Financial Advisor, Financial Planning Specialist
Phone:
(858) 613-8168(858) 613-8168
Anna Thomas
Portfolio Associate
Phone:
(858) 613-7109(858) 613-7109
About Joseph Adamo
Joe is a co-founder of The CenterPoint One Group. He has focused on "Building, Preserving, and Transferring Family Wealth" for over 29 years and has been with Morgan Stanley since 2006. He earned his degree in Business Administration from the University of San Diego and is also a graduate of the Option Institute of Chicago. Joe hosted a financial radio show in San Diego and has over 15 years of experience hosting public workshops on investing and estate planning. Joe has earned the right to use the designation of CPM Certified Portfolio Management from Columbia University. In 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, and 2024 Joe was named a Five Star Top Wealth Managers as Published in San Diego Magazine. Joe has been married to his wife Mary for 41 years, and has three children, Virginia, Nick, and Theresa. They have been long-time residents of Oceanside. Outside of work Joe is both an avid photographer and bicyclist. He is also a member of the Encinitas Bocce Club.
Disclosure(s):
2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, and 2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024). These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2024 Award- 2/13/2023 through 08/31/2023
2023 Award- 03/21/22 through 09/16/22
2022 Award- 04/12/2021 through 10/15/2021
2021 Award- 03/30/2020 through 10/16/2020
2020 Award- 03/1/2019 through 10/18/2019
2019 Award- 03/23/2018 through 10/15/2018
2018 Award- 03/22/2017 through 10/17/2017
2017 Award- 02/25/2016 through 10/14/2016
2016 Award- 06/2/2015 through 10/23/2015
2015 Award- 06/2/2014 through 10/23/2014
2014 Award- 06/2/2013 through 10/23/2013
Disclosure(s):
2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, and 2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024). These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2024 Award- 2/13/2023 through 08/31/2023
2023 Award- 03/21/22 through 09/16/22
2022 Award- 04/12/2021 through 10/15/2021
2021 Award- 03/30/2020 through 10/16/2020
2020 Award- 03/1/2019 through 10/18/2019
2019 Award- 03/23/2018 through 10/15/2018
2018 Award- 03/22/2017 through 10/17/2017
2017 Award- 02/25/2016 through 10/14/2016
2016 Award- 06/2/2015 through 10/23/2015
2015 Award- 06/2/2014 through 10/23/2014
2014 Award- 06/2/2013 through 10/23/2013
Securities Agent: CO, WV, NV, WA, UT, KS, GA, NY, NJ, MA, HI, SC, RI, PA, IN, IL, IA, WY, VA, NM, MT, DE, CA, OH, AZ, TX, OR, NC, MI, ID, CT, MO, TN, FL; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1282523
CA Insurance License #: #A61480
NMLS#: 1282523
CA Insurance License #: #A61480
About Ronald William Thomas
Ron is a distinguished co-founder of The CenterPoint One Group and has been a valued member of Morgan Stanley since early 2013. With over two decades of experience in lending, analysis, and crafting tailored financial solutions, he has made significant contributions to the banking and finance industries. Ron's excellence has been consistently recognized, as he was honored as a Five Star Top Wealth Manager by San Diego Magazine in 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024 and 2025.
Beyond his professional achievements, Ron cherishes quality time with his family, including his daughter, granddaughter, and his wife of 32 years. He is also deeply committed to his community, actively participating in local charities. In his leisure time, Ron enjoys cooking, photography, and engaging in various sports such as golf, baseball, hockey, and basketball.
Disclosure(s):
2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024, and 2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024 and 2025). These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2025 Award- 02/13/2024 through 08/30/2024
2024 Award- 02/13/2023 through 08/31/2023
2023 Award- 03/21/2022 through 09/16/2022
2022 Award- 04/12/2021 through 10/15/2021
2021 Award- 03/30/2020 through 10/16/2020
2020 Award- 03/1/2019 through 10/18/2019
2019 Award- 03/23/2018 through 10/15/2018
2018 Award- 03/22/2017 through 10/17/2017
2017 Award- 02/25/2016 through 10/14/2016
2016 Award- 06/2/2015 through 10/23/2015
2015 Award- 06/2/2014 through 10/23/2014
2014 Award- 06/2/2013 through 10/23/2013
Beyond his professional achievements, Ron cherishes quality time with his family, including his daughter, granddaughter, and his wife of 32 years. He is also deeply committed to his community, actively participating in local charities. In his leisure time, Ron enjoys cooking, photography, and engaging in various sports such as golf, baseball, hockey, and basketball.
Disclosure(s):
2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024, and 2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024 and 2025). These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2025 Award- 02/13/2024 through 08/30/2024
2024 Award- 02/13/2023 through 08/31/2023
2023 Award- 03/21/2022 through 09/16/2022
2022 Award- 04/12/2021 through 10/15/2021
2021 Award- 03/30/2020 through 10/16/2020
2020 Award- 03/1/2019 through 10/18/2019
2019 Award- 03/23/2018 through 10/15/2018
2018 Award- 03/22/2017 through 10/17/2017
2017 Award- 02/25/2016 through 10/14/2016
2016 Award- 06/2/2015 through 10/23/2015
2015 Award- 06/2/2014 through 10/23/2014
2014 Award- 06/2/2013 through 10/23/2013
Securities Agent: VA, HI, TN, PA, NY, NV, TX, NJ, NC, MO, ID, WV, OR, GA, CA, AZ, RI, MT, MI, IL, CT, UT, SC, FL, IN, OH, NM, MA, CO, WA, KS, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 1312686
CA Insurance License #: 0L76846
NMLS#: 1312686
CA Insurance License #: 0L76846
About Steven H. Schuknecht
Steven joined Morgan Stanley and the CenterPoint One Group in February 2023, bringing a fresh perspective and a passion for helping clients achieve financial confidence. With a commitment to client service and delivering personalized solutions, Steven thrives on crafting strategies that empower clients to take control of their financial futures.
He earned his degree in International Business with a minor in Accounting from UC San Diego, where he also played for the university’s baseball team. Outside the office, he enjoys life at the beach, swinging clubs on the golf course, and spending time with friends. Recently married in 2024, Steven also cherishes time spent with his wife, Brittany, and their dog, balancing his professional drive with a love for family and community.
He earned his degree in International Business with a minor in Accounting from UC San Diego, where he also played for the university’s baseball team. Outside the office, he enjoys life at the beach, swinging clubs on the golf course, and spending time with friends. Recently married in 2024, Steven also cherishes time spent with his wife, Brittany, and their dog, balancing his professional drive with a love for family and community.
Securities Agent: TX, AL, MI, WI, RI, SC, NJ, MT, MO, MN, MD, FL, CA, NM, GA, DC, WV, UT, OH, NY, NV, IN, VA, PA, NC, HI, NE, KS, IL, CO, TN, ME, WY, MA, IA, DE, CT, AZ, WA, OR, LA, ID; General Securities Representative; Investment Advisor Representative
NMLS#: 2712130
CA Insurance License #: 4366690
NMLS#: 2712130
CA Insurance License #: 4366690
Contact Joseph Adamo
Contact Ronald William Thomas
Contact Steven H. Schuknecht
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
Michael Mackowiak
Private Banker
Russ Gallen
Private Banker
About Michael Mackowiak
Michael Mackowiak is a Private Banker serving Morgan Stanley Wealth Management offices in California.
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.
Michael began his career in financial services in 2008, and joined Morgan Stanley in 2019 as a Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
He lives in Chula Vista, California with his family. Outside of the office, Michael enjoys watching soccer and baseball, traveling, and spending time with his family.
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.
Michael began his career in financial services in 2008, and joined Morgan Stanley in 2019 as a Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
He lives in Chula Vista, California with his family. Outside of the office, Michael enjoys watching soccer and baseball, traveling, and spending time with his family.
NMLS#: 1069297
About Russ Gallen
Russ Gallen is a Private Banker serving Morgan Stanley Wealth Management offices in California.
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.
Russ began his career in financial services in 2001, and joined Morgan Stanley in 2019 as a Private Banker. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch.
Russ is a graduate of Arizona State University, where he received a Bachelor of Science in Finance. He lives in Solana Beach, California. Outside of the office, Russ enjoys golf, tennis 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.
Russ began his career in financial services in 2001, and joined Morgan Stanley in 2019 as a Private Banker. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch.
Russ is a graduate of Arizona State University, where he received a Bachelor of Science in Finance. He lives in Solana Beach, California. Outside of the office, Russ enjoys golf, tennis and traveling.
NMLS#: 684961
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Wealth Management
Global Investment Office
Portfolio Insights
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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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
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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Ready to start a conversation? Contact The CenterPoint One Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
10When 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.
11Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
10When 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), 4763067 (9/2025)
