Charles McFadden Ellison, CIMA®, CPWA®
Executive Director, Wealth Management, Financial Advisor, Family Wealth Director
Phone:
(540) 723-2464(540) 723-2464
The CGE Group at Morgan Stanley
Direct:
(540) 723-2460(540) 723-2460
Toll-Free:
(888) 842-9595(888) 842-9595
Industry Award WinnerOur Mission Statement
We advise a limited number of wealthy families on all aspects of their financial lives. Our commitment is to you, your family, and multi-generational wealth management.
Welcome Message
Families considering wealth management services often have different needs than individuals. They frequently look for continuity of advice and the stability of an organization. They may have a greater dependence on financial education, as they consider the stewardship of their legacy. In many cases, they have complex situations that require experience, care and highly personal service.
The CGE Group at Morgan Stanley is a multi-generational wealth management team focusing on the needs of multi-generational clients. Our family practice concentrates its efforts on the growth, preservation and distribution of wealth and values to future generations. Our clients choose to work with us because they value education, continuity, and access to the extensive resources of Morgan Stanley.
The CGE Group at Morgan Stanley is a multi-generational wealth management team focusing on the needs of multi-generational clients. Our family practice concentrates its efforts on the growth, preservation and distribution of wealth and values to future generations. Our clients choose to work with us because they value education, continuity, and access to the extensive resources of Morgan Stanley.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Asset Management
- Alternative InvestmentsFootnote4
- Exchange Traded FundsFootnote5
- Cash ManagementFootnote6
- Estate Planning StrategiesFootnote7
- Lending Products
- Life InsuranceFootnote8
- Long Term Care InsuranceFootnote9
- Philanthropic Services
- Trust Services*
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Overview
Thanks to the unwavering commitment to helping clients and families achieve their investment goals, members of The CGE Group have received the following industry awards, recognitions, and designations.
The CGE Group - Forbes Best-In-State Wealth Management Teams 2024-2026
The CGE Group was named to the 2024-2026 Forbes Best-In-State Wealth Management Teams lists for Virginia.
Disclosure:
2024-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
View the Press ReleaseDisclosure:
2024-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
Charles M. Ellison - Forbes Best-In-State Wealth Advisors 2023-2025
Charles was named to the 2023-2025 Forbes Best-In-State Wealth Advisors lists for Virginia.
Disclosure:
2023-2025 Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
View the Press ReleaseDisclosure:
2023-2025 Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Mary Ervin - Forbes Best-In-State Wealth Advisors 2025
Mary was named to the 2025 Forbes Best-In-State Wealth Advisors lists for Virginia.
Disclosure:
Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24.
View the Press ReleaseDisclosure:
Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24.
Mary Ervin - Forbes Women Wealth Advisors Best-In-State 2025-2026
Mary was named to the 2025-2026 Forbes Women Wealth Advisors Best-In-State list for Virginia.
Disclosure:
2025-2026 Forbes Top Women Wealth Advisors Best-In-State (formerly referred to as Forbes Top Women Wealth Advisors) Source: Forbes.com (2025-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
View the Press ReleaseDisclosure:
2025-2026 Forbes Top Women Wealth Advisors Best-In-State (formerly referred to as Forbes Top Women Wealth Advisors) Source: Forbes.com (2025-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Mary Ervin - Forbes Best-In-State Top Next-Gen Wealth Advisors 2024-2025
Mary was named to the 2024 and 2025 Forbes Top Next-Gen Wealth Advisors Best-In-State lists for Virginia.
Disclosure:
2024-2025 Forbes Top Next-Gen Wealth Advisors Best-In-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors) Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
View the Press ReleaseDisclosure:
2024-2025 Forbes Top Next-Gen Wealth Advisors Best-In-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors) Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Charles M. Ellison - Forbes' America's Next Gen Advisors 2020 & Forbes' Best-In-State Next-Gen Wealth Advisors 2019
Disclosures:
2019-2020 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2019-2020). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
2019-2020 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2019-2020). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Charles M. Ellison - Morgan Stanley Master's Club Member 2024-2025
Charles is a member of Morgan Stanley's Master's Club*, an elite group composed of the Firm’s top Financial Advisors. The appointment recognizes Charles' consistent creativity and excellence in providing a wide range of investment products and wealth management services to his clients.
*Morgan Stanley Wealth Management Master’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Master’s Club membership is no guarantee of future performance.
View the Press Release*Morgan Stanley Wealth Management Master’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Master’s Club membership is no guarantee of future performance.
Azan Piperno - Morgan Stanley Pacesetter’s Club Member 2022-2026
Azan is a member of Morgan Stanley's Pacesetter’s Club*, a global recognition program for Financial Advisors who, within their first five years, demonstrate the highest professional standards and first class client service.
*Morgan Stanley Wealth Management Pacesetter’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Club membership is no guarantee of future performance.
View the Press Release*Morgan Stanley Wealth Management Pacesetter’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Club membership is no guarantee of future performance.
Charles M. Ellison & Mary Ervin - Certified Private Wealth Advisor® (CPWA®) Designation
Charles Ellison and Mary Ervin have acquired the Certified Private Wealth Advisor® (CPWA®) certification. The CPWA® is a certification given to financial professionals who service high net worth clients. Therefore, this certification is designed for experienced financial professionals who want to address the financial needs of those with more than a $5 million net worth.
Charles M. Ellison - Certified Investment Management Analyst® (CIMA®) Designation
Charles Ellison has acquired the Certified Investment Management Analyst® (CIMA®) certification. The CIMA® certification is the peak international, technical portfolio construction program for investment consultants, analysts, financial advisors, and wealth management professionals. CIMA® certification continues to be the highest level of advanced investment education for client-facing advisors.
Charles M. Ellison - Family Wealth Director (FWD) Designation
Charles has earned the Family Wealth Director (FWD) designation. It is given to those who have extensive experience working with ultra-high net worth families, and who have undergone specialized training. Family Wealth Directors have direct access to an extensive range of resources needed to help highly affluent families manage the complex, multigenerational challenges of managing significant wealth.
Our Process
At Morgan Stanley, we believe that identifying financial solutions begins with a solid understanding of each client's situation, goals, objectives and risk tolerance. We follow a disciplined process that allows us to work with you to craft a solution that helps meet your individual financial needs:
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map our essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your accounts, helping ensure a comprehensive financial plan.
Step 4: Action Items / Next Steps
After the financial plan presentation, we will follow up with you regarding our analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data, seeking to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
MONTHLY OUTLOOKS & UPDATES
View the resources below to stay informed about the latest market trends, outlooks, and breakdowns affecting the finance and business worlds.
Thoughts on the Market
Each week, Chief Cross-Asset Strategist Andrew Sheets, or a member of his team, offers perspective on the forces shaping the markets as well as insights on investment opportunities and risk across global asset classes.
Listen Here
Personal Finance
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. Learn from Morgan Stanley thought leaders about how to manage your wealth and help meet your personal financial goals.
See Insights on Personal Finance
Global Investment Committee on the Markets
A publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out the most recent edition below.
Read: "GIC on the Markets"
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. Members can enjoy special discounts and timely insights to support them at home and beyond.
View Offers from Reserved Living & Giving
ESG Investing
With the rise of sustainable investing, it is important to learn how your investments can make an impact and how it is impacting the market long-term.
Learn More About Sustainable Investing
2025 Tax Tables
This helpful resource outlines the 2025 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.
Access the 2025 federal tax tablesDIGITAL RESOURCES
Morgan Stanley's suite of Modern Wealth Management Tools allows advisors to offer more customized and comprehensive advice than anywhere else. These tools' ease of use allows for a more in-depth view of a client's financial life to be taken, resulting in better service and more well-rounded advice.
Morgan Stanley Online (MSO)
Morgan Stanley Online and the Morgan Stanley Mobile App provides clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research. With Morgan Stanley Online and the Morgan Stanley Mobile app, your investments and everyday finances are never more than just a click away.
Learn More About MSO
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative tool used by several of the world’s largest institutional asset managers, using this tool provides comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios.
Watch A Video About Managing Your Risk
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your external account information, you will benefit from more informed and comprehensive wealth planning and convenient connectivity.
Watch A Video About Total Wealth View
Goals Planning System
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Start Planning Now
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts. Our Spending and Budgeting Tool makes it easy for you and your Financial Advisor to see your complete financial picture.
Learn More About Our Financial Management Tool
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security Center
Digital Vault
With Digital Vault, you can build a central, shared document library where all documents are stored using encryption. Digital Vault can be accessed through Morgan Stanley Online and the Mobile App.
Learn More About Digital Vault
E-Sign
E-Sign is the easy way to electronically sign documents. E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures from clients on paperwork. There is no registration process for you to begin using E-Sign - all you need is a valid email address and phone number.
Learn More About E-Sign & Other ToolsLocation
519 W Jubal Early Drive
Suite 300
Winchester, VA 22601
US
Direct:
(540) 723-2460(540) 723-2460
Toll-Free:
(888) 842-9595(888) 842-9595
11951 Freedom Dr
Suite 1200
Reston, VA 20190
US
Meet The CGE Group
Mary Ervin, CPWA®
Senior Vice President, Wealth Management, Financial Advisor, Resident Manager
Phone:
(540) 723-2473(540) 723-2473
Azan Piperno
Associate Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(703) 456-6017(703) 456-6017
James Tringali
Financial Advisor, Financial Planning Specialist
Phone:
(703) 456-6016(703) 456-6016
Courtney B. Meadows
Client Service Associate
Phone:
(540) 723-2472(540) 723-2472
Joan Limos
Client Service Associate
Phone:
(540) 723-2478(540) 723-2478
About Charles McFadden Ellison
Charles M. Ellison has been a Financial Advisor with Morgan Stanley and its predecessor firm since 2005 assisting clients and their families with wealth analysis, financial planning, asset allocation, and the financial education of current and future generations. He began his career with a focus on asset allocation and risk management and has since expanded this focus to include the research and development of multi-generational wealth management strategies tailored to the needs of wealthy families.
Charles understands the importance of educating current and future generations about a wide range of financial topics and believes that values along with tangible assets should be preserved and passed down. Charles holds the Certified Investment Management Analyst ® (CIMA) & Certified Private Wealth Advisor ® (CPWA) designations. The CGE Group was named to the 2024-2026 Forbes Best-In-State Wealth Management Team lists, and Charles was placed on the 2023-2025 Forbes Best-In-State Wealth Advisors rankings. He has also been recognized by Forbes/SHOOK as a Top Next-Generation Wealth Advisor in 2017, 2018, 2019, and 2020. Charles is a Family Wealth Director (FWD) as well.
Charles is active in the community serving as a Trustee for the Foundation of the State Arboretum (FOSA) of Virginia and as a Trustee of the Virginia Piedmont Heritage Area Association (VPHA). Charles lives in historic downtown Winchester, VA with his wife, Jennifer, and their four (4) children – Sterling, Hazel, Opal, and Elvy. He enjoys studying financial history, travelling, and collecting wine.
2024-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
2023-2025 Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2019-2020 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors) Source: Forbes.com (Awarded 2019-2020). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
2017-2018 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors) Source: Forbes.com (Awarded 2017-2018). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Charles understands the importance of educating current and future generations about a wide range of financial topics and believes that values along with tangible assets should be preserved and passed down. Charles holds the Certified Investment Management Analyst ® (CIMA) & Certified Private Wealth Advisor ® (CPWA) designations. The CGE Group was named to the 2024-2026 Forbes Best-In-State Wealth Management Team lists, and Charles was placed on the 2023-2025 Forbes Best-In-State Wealth Advisors rankings. He has also been recognized by Forbes/SHOOK as a Top Next-Generation Wealth Advisor in 2017, 2018, 2019, and 2020. Charles is a Family Wealth Director (FWD) as well.
Charles is active in the community serving as a Trustee for the Foundation of the State Arboretum (FOSA) of Virginia and as a Trustee of the Virginia Piedmont Heritage Area Association (VPHA). Charles lives in historic downtown Winchester, VA with his wife, Jennifer, and their four (4) children – Sterling, Hazel, Opal, and Elvy. He enjoys studying financial history, travelling, and collecting wine.
2024-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
2023-2025 Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2019-2020 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors) Source: Forbes.com (Awarded 2019-2020). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
2017-2018 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors) Source: Forbes.com (Awarded 2017-2018). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Securities Agent: MA, TN, LA, IN, FL, CO, TX, NC, GA, CA, RI, WV, OR, MO, IL, WA, VA, PA, NY, NV, SC, KY, HI, WY, NM, MD, DC, CT, AZ, NJ, IA, DE, ND; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278964
CA Insurance License #: 0K62181
NMLS#: 1278964
CA Insurance License #: 0K62181
About Mary Ervin
Mary Ervin began her investment career in 2017 at Morgan Stanley. As a financial advisor at Morgan Stanley, Mary’s primary responsibilities include relationship management, financial planning, portfolio and investment management, and digital engagement.
Prior to joining Morgan Stanley, Mary received a Bachelor of Arts from Boston University and a Master of Science from the University of New Orleans. After graduate school, Mary spent five years with a geophysical monitoring company in Houston, TX, where she analyzed large data sets and presented results to clients in the oil and gas industry. She holds the Certified Private Wealth Advisor ® (CPWA) designation. The CGE Group was named to the 2024-2026 Forbes Best-In-State Wealth Management Teams lists.
Mary was placed on the 2025 Forbes Best-In-State Wealth Advisors and 2025-2026 Forbes Top Women Wealth Advisors Best-In-State rankings. She has also been recognized on the 2024 and 2025 Forbes Top Next-Gen Wealth Advisors Best-In-State lists. Mary currently lives in Stephens City, VA with her husband, two dogs (Ranger and Cooper), and cat (Jerry). She enjoys traveling, canoeing, gardening, and playing guitar. Mary is an avid supporter of her local library.
2024-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
2025 Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24.
2025-2026 Forbes Top Women Wealth Advisors Best-In-State (formerly referred to as Forbes Top Women Wealth Advisors) Source: Forbes.com (2025-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2024-2025 Forbes Top Next-Gen Wealth Advisors Best-In-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors) Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Prior to joining Morgan Stanley, Mary received a Bachelor of Arts from Boston University and a Master of Science from the University of New Orleans. After graduate school, Mary spent five years with a geophysical monitoring company in Houston, TX, where she analyzed large data sets and presented results to clients in the oil and gas industry. She holds the Certified Private Wealth Advisor ® (CPWA) designation. The CGE Group was named to the 2024-2026 Forbes Best-In-State Wealth Management Teams lists.
Mary was placed on the 2025 Forbes Best-In-State Wealth Advisors and 2025-2026 Forbes Top Women Wealth Advisors Best-In-State rankings. She has also been recognized on the 2024 and 2025 Forbes Top Next-Gen Wealth Advisors Best-In-State lists. Mary currently lives in Stephens City, VA with her husband, two dogs (Ranger and Cooper), and cat (Jerry). She enjoys traveling, canoeing, gardening, and playing guitar. Mary is an avid supporter of her local library.
2024-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
2025 Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24.
2025-2026 Forbes Top Women Wealth Advisors Best-In-State (formerly referred to as Forbes Top Women Wealth Advisors) Source: Forbes.com (2025-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2024-2025 Forbes Top Next-Gen Wealth Advisors Best-In-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors) Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Securities Agent: CO, NY, DE, OR, HI, VA, TN, ND, IL, CT, CA, AZ, WA, TX, NV, LA, KY, DC, IA, GA, PA, MO, KS, WY, SC, RI, NM, FL, NJ, MD, SD, NE, MS, AR, AL, WI, VI, NH, PR, OK, MN, VT, MI, AK, MT, ME, ID, UT, WV, NC, MA, IN; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1685004
NMLS#: 1685004
About Azan Piperno
Azan Piperno joined Morgan Stanley in 2016 via an independent firm located in Tysons Corner, Virginia. Despite being born in Massachusetts, he grew up in India where he studied Finance, Accountancy and Economics in High School and was a competitive Junior Tennis player. He went on to major in Finance and Information Systems at George Washington University, graduating in 2016 whilst being a part of the GWU Varsity Tennis Team.
As a Financial Advisor and Associate Vice President, Azan focuses on Comprehensive Financial Planning to understand his client’s goals and objectives and help them achieve them with dedication and exceptional ideas. The CGE Group was named to the 2025-2026 Forbes Best-In-State Wealth Management Teams lists.
In his spare time, he enjoys playing Tennis, following his favorite sports teams - Arsenal Football Club and the Boston Celtics and enjoys the diverse cuisine that the DMV has to offer.
2025-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2025-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
As a Financial Advisor and Associate Vice President, Azan focuses on Comprehensive Financial Planning to understand his client’s goals and objectives and help them achieve them with dedication and exceptional ideas. The CGE Group was named to the 2025-2026 Forbes Best-In-State Wealth Management Teams lists.
In his spare time, he enjoys playing Tennis, following his favorite sports teams - Arsenal Football Club and the Boston Celtics and enjoys the diverse cuisine that the DMV has to offer.
2025-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2025-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
Securities Agent: TN, NC, MA, CT, WV, NM, NJ, LA, IA, HI, TX, SC, CA, RI, MO, DC, AZ, WY, OR, DE, VA, NV, MD, IN, WA, PA, NY, KY, IL, FL, CO, ND, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1843723
NMLS#: 1843723
About James Tringali
James Tringali joined Morgan Stanley in 2019 after spending 3+ years with an independent advisory firm located in Tysons, Virginia. He was building a successful practice while managing a team of 10+ advisors as well. He grew up near Tampa, Florida and graduated from St. Norbert College in De Pere, Wisconsin where he majored in Business Administration – Finance and minored in Economics. During his college years, James was a Student Tutor for the Business program and three-year starting Quarterback for the football team.
As a Financial Advisor, James utilizes comprehensive financial planning to understand his client’s goals and objectives to help them while leveraging the industry leading resources at Morgan Stanley which has led to qualifying for the Pacesetter’s Club the past four years in 2021-2024. The CGE Group was named to the 2025-2026 Forbes Best-In-State Wealth Management Teams lists.
In his free time, he enjoys spending time with his wife, Rawan, son, Niccolo, and their dog, Carmelo; he also enjoys playing golf and following his favorite sports teams – the New York Yankees, Green Bay Packers, and Manchester City Football Club.
2025-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2025-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
As a Financial Advisor, James utilizes comprehensive financial planning to understand his client’s goals and objectives to help them while leveraging the industry leading resources at Morgan Stanley which has led to qualifying for the Pacesetter’s Club the past four years in 2021-2024. The CGE Group was named to the 2025-2026 Forbes Best-In-State Wealth Management Teams lists.
In his free time, he enjoys spending time with his wife, Rawan, son, Niccolo, and their dog, Carmelo; he also enjoys playing golf and following his favorite sports teams – the New York Yankees, Green Bay Packers, and Manchester City Football Club.
2025-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2025-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
Securities Agent: KY, AZ, CT, LA, DE, WV, WA, VA, MD, HI, PA, NC, MO, RI, FL, CA, MA, IL, NV, IN, IA, CO, TX, OR, NM, DC, ND, WY, TN, SC, NY, NJ, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1843724
NMLS#: 1843724
About Courtney B. Meadows
Courtney is a Client Service Associate with The CGE Group at Morgan Stanley. She helps shape the future of service by modernizing the client experience through an elevated client service model. Courtney truly cares about our clients and works hard to help them simplify and manage aspects of their financial life. She strives to provide every client we serve with a world class customer experience.
Courtney cultivates and enhances new and existing client relationships through active communication, processing client requests, resolving inquiries, and making sure key information and documentation remains current. She keeps an eye on each administrative detail and finds the issues that need to be addressed.
Courtney majored in Business Administration at Shepherd University. She graduated in 2013 with her Bachelor of Science. Prior to joining Morgan Stanley in 2019, Courtney worked at Capon Springs Resort for 13 years. Courtney and her husband Mark reside in Wardensville, WV. Outside of work, she enjoys traveling, cooking, hiking, and kayaking. Courtney also enjoys spending quality time with family and friends.
Courtney cultivates and enhances new and existing client relationships through active communication, processing client requests, resolving inquiries, and making sure key information and documentation remains current. She keeps an eye on each administrative detail and finds the issues that need to be addressed.
Courtney majored in Business Administration at Shepherd University. She graduated in 2013 with her Bachelor of Science. Prior to joining Morgan Stanley in 2019, Courtney worked at Capon Springs Resort for 13 years. Courtney and her husband Mark reside in Wardensville, WV. Outside of work, she enjoys traveling, cooking, hiking, and kayaking. Courtney also enjoys spending quality time with family and friends.
About Joan Limos
As a Client Service Associate with the CGE Group at Morgan Stanley. Joan consistently enhances the client experience. She assists with all client service-related matters in an efficient and precise manner. She also works closely with the Financial Advisors to support the team’s financial planning efforts and portfolio maintenance.
Joan actively communicates with clients, processes their requests, resolves inquiries, and makes sure key information and documentation remains current. She keeps an eye on administrative details and finds the issues that need to be addressed.
Joan is originally from the Philippines but has been in VA since the age of 4. Prior to joining Morgan Stanley in January, Joan worked at The Eye Center in Northern VA. Outside of work, she enjoys getting a good work out, reading, and watching her kids in all their activities. Joan also enjoys spending quality time with family and friends.
Joan actively communicates with clients, processes their requests, resolves inquiries, and makes sure key information and documentation remains current. She keeps an eye on administrative details and finds the issues that need to be addressed.
Joan is originally from the Philippines but has been in VA since the age of 4. Prior to joining Morgan Stanley in January, Joan worked at The Eye Center in Northern VA. Outside of work, she enjoys getting a good work out, reading, and watching her kids in all their activities. Joan also enjoys spending quality time with family and friends.
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Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2024-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
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
John Madigan
Planning Associate
About John Madigan
John Madigan 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. John 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 Assumption University and received the Financial Planning Specialist® designation from the College for Financial Planning. John is originally from Holbrook, NY and still resides there.
He earned his undergraduate degree from Assumption University and received the Financial Planning Specialist® designation from the College for Financial Planning. John is originally from Holbrook, NY and still resides there.
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.
When 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.
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.
When 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.
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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
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A Simple Six-Step Retirement Checkup
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
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529 Plans: A Powerful Tool to Save for Education
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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
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The CGE 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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Alternative 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.
5An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
6Morgan 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
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 and other legal matters.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Alternative 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.
5An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
6Morgan 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
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 and other legal matters.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
