J.B. Champion
Managing Director, Wealth Management, Wealth Advisor, Senior Portfolio Management Director, Lending Specialist, Workplace Advisor - Equity Compensation
Phone:
(425) 455-8004(425) 455-8004
Industry Award WinnerOur Mission Statement
We evaluate, strategize and customize, while providing outstanding client service in planning for your financial future.
Advice beyond your investment portfolio
The Champion Group’s planning based process helps affluent families, business owners and professionals with retirement income strategies, as well helping balance strategies for growth and preservation of capital.
Our practice concentrates its efforts on a desire to help achieve success for clients and their future generations. This helps ensure that family, legacy, and philanthropic objectives benefit from the integrated insight we provide.
The personalized guidance provided by the team is tailored for each client and their individual financial picture, where ongoing education is core to the implementation and execution of financial solutions. We believe our comprehensive approach to asset management helps empower clients with the confidence to pursue retirement and financial goals more effectively.
Our practice concentrates its efforts on a desire to help achieve success for clients and their future generations. This helps ensure that family, legacy, and philanthropic objectives benefit from the integrated insight we provide.
The personalized guidance provided by the team is tailored for each client and their individual financial picture, where ongoing education is core to the implementation and execution of financial solutions. We believe our comprehensive approach to asset management helps empower clients with the confidence to pursue retirement and financial goals more effectively.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Who We Work With
The Champion Group at Morgan Stanley offers a team of seasoned professionals with a passion for delivering a high level of service.
Executives
Through a thoughtful planning process, we work with executives across all industries to provide tailored wealth management strategies which will allow them to take on any unforeseen obstacles life may bring with confidence.
Entrepreneurs
Whether you require assistance navigating the sale or transfer of your business, the advice or capital required to grow the business, or simply a plan designed to safeguard your assets and build on continued success. The Champion Group is properly equipped to help you.
Click Here For Entrepreneurs
Multi-Generational Families
Often, we will assist families with their personal wealth. Significant life events require a seasoned advisory team who understands the complexities of these special situations and has the insights to achieve results.
Click Here For Multi-Generational Families
Retirees
Retirement planning, step by step The Champion Group’s approach brings together a unique combination of decades of experience, individualized attention and a deep commitment to delivering personalized retirement strategies.
Socially Responsible Investors
Every client has a unique set of priorities to consider when making investment decisions so that their choices align with a larger social or environmental context. Building on our proven investment expertise, we have designed a process to clarify the spectrum of approaches to generating positive environmental and social impact.
Customized Solutions
We help individuals mange their financial life, no matter the complexity of the specific situation. Reaching your goals often involves going beyond investment advice - we provide a wide array of offerings and services centered on you and customized to help meet your needs.
Click Here For Customized Solutionsworking with you
The Champion Group firmly believes that wealth planning begins with a personal relationship between the client and their advisory team. For this reason, we invest a considerable amount of time getting to know your specific situation, goals, and objectives. To be truly effective, a tailored financial plan incorporates both your personal and professional life, and balances pressing financial concerns with your long-term aspirations.
1. Setting Your Financial Objective
We begin with a conversation to understand your concerns and determine how we can add value. Before we make specific recommendations, we take the time to understand who you are as a person, as well as an investor, and what you really hope to achieve for yourself and your family.
2. Creating Your Strategy
We analyze your input and seek to develop a wealth management plan that contains specific recommendations designed to meet the objectives you established. That means an in-depth discussion of your current finances, future objectives, attitude toward risk and other circumstances that will assist us in developing a customized plan.
3. Implementing Your Investment Plan
With a clear understanding of your needs and goals, we utilize a variety of planning and risk analysis tools to identify appropriate strategies for your situation. We will present our recommendations along with a detailed plan of action that will serve as our roadmap for implementing your plan.
4. Reviewing Objectives and Performance
We’ll oversee your performance towards your goals through ongoing calls and meetings. We may recommend adjustments over time, due to changing market conditions or changes in your circumstances, to help keep you on track towards achieving your goals.
Valuable Tools and Resources:
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies that we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
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.
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read The Latest Report
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
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 Report
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Check Out The Latest Episode
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.
Check Out The Latest Episode
Inflation
Inflation impacts more than just prices at the store—it shapes how we save, spend, and plan for the future. Understanding what drives inflation and how to navigate it is key to protecting your financial well-being. In the article below, we’ll explore what inflation means, why it matters, and practical steps you can take to stay on track in any economic climate.
Meeting Financial Milestones
Preparation is crucial for reaching your financial milestones. Effective goals-based planning involves more than just knowing various investment types—it requires a tailored approach to evaluating opportunities, determining customized asset allocations and aligning them with your long-term goals.
Watch Video to Learn More
Equity Compensation
Your equity compensation can be a powerful resource for building your wealth and your future. But like all resources, extracting the most benefits takes planning
Planning for Retirement
When preparing for retirement, at some point almost everyone struggles with one question: How can I plan for retirement when I have urgent short-term financial needs?
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Location
4000 Carillon Point
Ste 600
Kirkland, WA 98033
US
Direct:
(425) 455-8000(425) 455-8000
Meet The Champion Group
Karen J Witt
Senior Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist, Family Wealth Advisor, Insurance Planning Director, Workplace Advisor - Equity Compensation
Phone:
(425) 455-8029(425) 455-8029
Phone:
(425) 451-2601(425) 451-2601
Jack Oman, CFP®
Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist, Insurance Planning Director, Workplace Advisor - Equity Compensation, Senior Portfolio Manager
Phone:
(425) 202-0629(425) 202-0629
Associate Vice President, Financial Advisor, Financial Planning Specialist, Workplace Advisor - Equity Compensation, Portfolio Manager
Phone:
(425) 202-9972(425) 202-9972
Lori Elrod, MIB, CFP®, CRPC®, CIMA®
Director of Business Strategy, Assistant Vice President, Financial Planning Specialist
Phone:
(425) 455-8076(425) 455-8076
Eileen Stenhoff
Registered Client Service Associate
Phone:
(425) 455-8032(425) 455-8032
Jason Roberts
Portfolio Associate
Phone:
(425) 455-8017(425) 455-8017
Eri Takahashi, CRPC®
Registered Client Service Associate, Financial Planning Specialist
Phone:
(425) 202-1989(425) 202-1989
About J.B. Champion
J.B.’s knowledge of wealth management, retirement, estate planning strategies and asset allocation, complements the team's consultative approach of incorporating portfolio construction with a client's goals.
J.B. has focused his talents on serving the investment needs of high-net-worth and ultra-high net worth individuals, as well as small businesses. J.B. is responsible for designing and implementing investment strategies that assist our clients in attaining the retirement lifestyle that they aspire to. J.B. also works to implement various estate strategies for multi-generational wealth transfer. He has been recognized by Barron’s as a Top 1,200 Financial Advisor and a "FIVE STAR Wealth Manager" by Seattle Magazine.
J.B. attended Gonzaga University and earned a Bachelor of Business Administration degree with concentrations in Finance, International Business and Human Resources. J.B. and his wife, Stephanie, live in Snoqualmie with their three kids. When J.B. is out of the office (and not cheering for his beloved Gonzaga Bulldogs), he and Stephanie enjoy being involved in their kids activities, travelling and playing golf.
• Years At Morgan Stanley: 22
• Chairman’s Club Member
• Barron’s Top 1,200 Financial Advisors, 2026
• Five Star Professional Award Winner in Seattle Magazine, 2017 – 2025
• Gonzaga University, Gonzaga Alumni Mentor Program
2023 - 2026 Barron’s Top 1,200 Financial Advisor
Source: Barrons.com (Awarded Mar 2025) Data compiled by Barron's for the period Oct 2023-Sept 2024
2017-2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2021-2023) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2017 Award - 3/26/16 - 11/18/16
2018 Award - 4/25/17 - 11/6/17
2019 Award - 4/23/18 - 11/9/18
2020 Award - 4/1/19 - 11/13/19
2021 Award - 4/27/20 - 10/30/20
2022 Award - 5/10/21 - 11/30/21
2023 Award - 4/18/22 - 10/21/22
2024 Award - 5/15/23 - 11/30/23
2025 Award - 10/10/23 - 4/30/24
J.B. has focused his talents on serving the investment needs of high-net-worth and ultra-high net worth individuals, as well as small businesses. J.B. is responsible for designing and implementing investment strategies that assist our clients in attaining the retirement lifestyle that they aspire to. J.B. also works to implement various estate strategies for multi-generational wealth transfer. He has been recognized by Barron’s as a Top 1,200 Financial Advisor and a "FIVE STAR Wealth Manager" by Seattle Magazine.
J.B. attended Gonzaga University and earned a Bachelor of Business Administration degree with concentrations in Finance, International Business and Human Resources. J.B. and his wife, Stephanie, live in Snoqualmie with their three kids. When J.B. is out of the office (and not cheering for his beloved Gonzaga Bulldogs), he and Stephanie enjoy being involved in their kids activities, travelling and playing golf.
• Years At Morgan Stanley: 22
• Chairman’s Club Member
• Barron’s Top 1,200 Financial Advisors, 2026
• Five Star Professional Award Winner in Seattle Magazine, 2017 – 2025
• Gonzaga University, Gonzaga Alumni Mentor Program
2023 - 2026 Barron’s Top 1,200 Financial Advisor
Source: Barrons.com (Awarded Mar 2025) Data compiled by Barron's for the period Oct 2023-Sept 2024
2017-2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2021-2023) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2017 Award - 3/26/16 - 11/18/16
2018 Award - 4/25/17 - 11/6/17
2019 Award - 4/23/18 - 11/9/18
2020 Award - 4/1/19 - 11/13/19
2021 Award - 4/27/20 - 10/30/20
2022 Award - 5/10/21 - 11/30/21
2023 Award - 4/18/22 - 10/21/22
2024 Award - 5/15/23 - 11/30/23
2025 Award - 10/10/23 - 4/30/24
Securities Agent: FL, NV, WY, NH, NE, LA, CO, CA, AZ, UT, TX, PA, OH, NY, AK, NJ, ID, MI, MA, AL, IN, VA, SC, OK, MT, MD, GA, DE, OR, NC, WI, TN, NM, MO, IL, HI, WA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1731294
CA Insurance License #: 0K01354
NMLS#: 1731294
CA Insurance License #: 0K01354
About Karen J Witt
Karen began her career in the financial services industry in 1998 after graduating from the University of Washington, and subsequently living abroad for a year in Guadalajara, Mexico, learning Spanish.
As a Financial Planning Specialist, Karen is passionate about collaborating with clients to create a comprehensive wealth plan, serving as a “financial planning life coach” to measure success over time.
Originally from Bellevue, Karen works primarily with families in the Puget Sound region. In the early years of her career with Morgan Stanley, she travelled extensively to Latin America, where she assisted clients with strategies surrounding technology company stock options. She has been recognized as a "FIVE STAR: Wealth Manager" by Seattle Magazine.
Outside of the office, Karen enjoys spending time with her family including her husband and two children. Activities they enjoy together include fly fishing, traveling, baseball, and soccer.
• Years At Morgan Stanley: 27
• Education: University of Washington
• Pacesetter’s Club
• Family Wealth Advisor
• Financial Planning Specialist
• Portfolio Management Director
• Lending Specialist
• Five Star Professional Award Winner in Seattle Magazine, 2021-2025
2021-2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2021-2023) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2021 Award - 4/27/20 - 10/30/20
2022 Award - 5/10/21 - 11/30/21
2023 Award - 4/18/22 - 10/21/22
2024 Award - 5/15/23 - 11/30/23
2025 Award - 5/15/24 - 11/29/24
As a Financial Planning Specialist, Karen is passionate about collaborating with clients to create a comprehensive wealth plan, serving as a “financial planning life coach” to measure success over time.
Originally from Bellevue, Karen works primarily with families in the Puget Sound region. In the early years of her career with Morgan Stanley, she travelled extensively to Latin America, where she assisted clients with strategies surrounding technology company stock options. She has been recognized as a "FIVE STAR: Wealth Manager" by Seattle Magazine.
Outside of the office, Karen enjoys spending time with her family including her husband and two children. Activities they enjoy together include fly fishing, traveling, baseball, and soccer.
• Years At Morgan Stanley: 27
• Education: University of Washington
• Pacesetter’s Club
• Family Wealth Advisor
• Financial Planning Specialist
• Portfolio Management Director
• Lending Specialist
• Five Star Professional Award Winner in Seattle Magazine, 2021-2025
2021-2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2021-2023) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2021 Award - 4/27/20 - 10/30/20
2022 Award - 5/10/21 - 11/30/21
2023 Award - 4/18/22 - 10/21/22
2024 Award - 5/15/23 - 11/30/23
2025 Award - 5/15/24 - 11/29/24
Securities Agent: NC, MT, UT, OH, GA, FL, CA, AZ, AK, VA, TX, PA, OK, NE, LA, HI, SC, NY, IL, TN, ID, WA, NJ, IN, AL, WI, NH, MD, OR, MA, DE, MO, MI, CO, WY, NV, NM; General Securities Representative; Investment Advisor Representative
NMLS#: 1295563
CA Insurance License #: 4138513
NMLS#: 1295563
CA Insurance License #: 4138513
About Michael Weichbrodt
Mike started as a Financial Advisor in 1994 with Morgan Stanley in Bellevue, WA. He focuses on serving the investment and retirement needs of business owners, affluent families as well as nonprofit organizations.
Mike enjoys helping clients achieve their goals by applying his team‘s expertise to each client. Mike and Eileen work with the Champion Group. The vast resources of Morgan Stanley allow for Mike to create a personalized action plan for his clients, business owners, and family members while helping each generation in their own unique way. Mike has previously sat on several boards and is active with Jewish as well as Masonic Charities. Mike has lived in the Seattle area since 1979, and enjoys spending time with his wife, Lesley their 3 sons and their Doberman Pincher, Nova.
Series 7, 63, 31, 65 Licensed
Series 24 Principal
Insurance Licensed
Bachelor of Arts from Western Washington University
© 2024 Morgan Stanley Smith Barney LLC. Member SIPC.
Mike enjoys helping clients achieve their goals by applying his team‘s expertise to each client. Mike and Eileen work with the Champion Group. The vast resources of Morgan Stanley allow for Mike to create a personalized action plan for his clients, business owners, and family members while helping each generation in their own unique way. Mike has previously sat on several boards and is active with Jewish as well as Masonic Charities. Mike has lived in the Seattle area since 1979, and enjoys spending time with his wife, Lesley their 3 sons and their Doberman Pincher, Nova.
Series 7, 63, 31, 65 Licensed
Series 24 Principal
Insurance Licensed
Bachelor of Arts from Western Washington University
© 2024 Morgan Stanley Smith Barney LLC. Member SIPC.
Securities Agent: OK, WY, UT, OR, NJ, IL, GA, AL, SC, NV, ID, FL, AZ, AK, NY, MA, CT, CA, WA, PA, HI, TN, NH, MI, CO, VA, TX, NM, NE, MO, LA, DE, NC, IN, WI, OH, MT; General Securities Principal; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1834574
CA Insurance License #: #0H30621
NMLS#: 1834574
CA Insurance License #: #0H30621
About Jack Oman
Jack's experience and knowledge as a CERTIFIED FINANCIAL PLANNER™ (CFP®), allows him to bring a holistic approach to working with clients.
Jack works with both retirees and working professionals, focusing on families who are looking to build their net worth and efficiently distribute assets during retirement while using compressive financial planning strategies. In addition to financial planning, Jack heads the team's Alternative Investment research, insurance strategies, and acts as a retirement consultant for small businesses and their employees.
As an alumnus of Washington State University and O'Dea High School, Jack is an avid football fan. Hailing from Everett, he now resides in Kirkland. In his time away from the office he enjoys fishing, sailing, and watching his favorite sports team - The Washington State Cougars. In addition to his hobbies, Jack enjoys volunteering with O’Dea High School.
• Years in Financial Services: 8
• CERTIFIED FINANCIAL PLANNER™
• Financial Planning Specialist
• Washington State University Bachelor of Business Administration (Accounting & Finance)
• Pacesetter's Club
• 5 Star — 5 Star, 2023-2026
2023 - 2026 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2021-2023) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2024 Award - 5/15/23 - 11/30/23
2025 Award - 10/10/23 - 4/30/24
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Jack works with both retirees and working professionals, focusing on families who are looking to build their net worth and efficiently distribute assets during retirement while using compressive financial planning strategies. In addition to financial planning, Jack heads the team's Alternative Investment research, insurance strategies, and acts as a retirement consultant for small businesses and their employees.
As an alumnus of Washington State University and O'Dea High School, Jack is an avid football fan. Hailing from Everett, he now resides in Kirkland. In his time away from the office he enjoys fishing, sailing, and watching his favorite sports team - The Washington State Cougars. In addition to his hobbies, Jack enjoys volunteering with O’Dea High School.
• Years in Financial Services: 8
• CERTIFIED FINANCIAL PLANNER™
• Financial Planning Specialist
• Washington State University Bachelor of Business Administration (Accounting & Finance)
• Pacesetter's Club
• 5 Star — 5 Star, 2023-2026
2023 - 2026 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2021-2023) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2024 Award - 5/15/23 - 11/30/23
2025 Award - 10/10/23 - 4/30/24
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Securities Agent: MI, LA, OH, MT, MD, CO, AZ, TX, FL, CA, WI, WA, UT, OR, MA, VA, NJ, NM, MN, ID, AK, PA, NV, IN, AL, OK, NY, NE, NC, HI, GA, DE, SC, NH, MO, IL, IA, WY, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 1787003
CA Insurance License #: 4040004
NMLS#: 1787003
CA Insurance License #: 4040004
About Ian Wang
Ian began his financial services career back in 2006 and joined Morgan Stanley in 2018. Ian is dedicated to delivering exceptional advice & service to clients and their families as a CERTIFIED FINANCIAL PLANNER™ (CFP®) and Certified Private Wealth Advisor (CPWA®) with a deep background in private banking and lending. Prior to joining Morgan Stanley Ian served as a Wealth Management Banker at Merrill Lynch and a Home Loans Manager at Bank of America. Ian’s pursuit of holistic financial planning along with his extensive knowledge in credit & liability management allows him to help clients achieve their financial goals by managing both sides of their balance sheet with proficiency. Ian continues his drive towards delivering financial excellence by listening to clients objectively and executing customized strategies with a defined purpose.
With over 18 years of experience Ian is well positioned to provide comprehensive solutions backed by the power and resources of Morgan Stanley to help clients & their families navigate through their unique financial challenges and guide them towards a better financial future.
Ian is a graduate from the University of Washington where he attained a Bachelor of Arts in Psychology. He currently resides in Renton WA with his wife Hannae. Ian is the former president and board member of the Asian Real Estate Association of America (AREAA) and when he’s outside of the office you’ll find Ian enjoying the great outdoors during the summertime and snowboarding in the winter.
• Years in Financial Services: 18
• CERTIFIED FINANCIAL PLANNER™
• Certified Private Wealth Advisor (CPWA®)
• Financial Planning Specialist
• Pacesetter's Club 2026
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
With over 18 years of experience Ian is well positioned to provide comprehensive solutions backed by the power and resources of Morgan Stanley to help clients & their families navigate through their unique financial challenges and guide them towards a better financial future.
Ian is a graduate from the University of Washington where he attained a Bachelor of Arts in Psychology. He currently resides in Renton WA with his wife Hannae. Ian is the former president and board member of the Asian Real Estate Association of America (AREAA) and when he’s outside of the office you’ll find Ian enjoying the great outdoors during the summertime and snowboarding in the winter.
• Years in Financial Services: 18
• CERTIFIED FINANCIAL PLANNER™
• Certified Private Wealth Advisor (CPWA®)
• Financial Planning Specialist
• Pacesetter's Club 2026
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Securities Agent: OK, WV, TN, NM, MN, WY, RI, PR, IL, DC, OR, NY, NE, ND, ME, KY, KS, VT, VA, UT, NV, MI, HI, CA, AZ, AL, AK, VI, PA, NH, MA, CT, WI, WA, NC, MT, LA, IA, CO, AR, SC, MO, IN, GA, FL, TX, NJ, MD, ID, SD, OH, MS, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 505317
CA Insurance License #: 4426940
NMLS#: 505317
CA Insurance License #: 4426940
About Lori Elrod, MIB
Lori began her career at Morgan Stanley in 1990 and brings more than three decades of experience supporting clients with thoughtful guidance across the full spectrum of wealth management. Known for her steady, detail-oriented approach, Lori values close, long-term client relationships that allow her to address clients’ concerns, anticipate evolving needs, and help them make consistent progress toward their goals.
In her current role, Lori helps shape and execute the team’s business strategy and overall client experience, with a focus on creating a planning-led, service-first approach that is organized, responsive, and easy for clients to navigate. She is committed to clarity, accountability, and client-first execution—values that guide how she collaborates with colleagues and supports the families and individuals the team serves.
Lori earned the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation in 2003 to broaden her financial planning knowledge and better support clients as their priorities evolve. She holds a Master’s Degree in International Business from Seattle University and a Bachelor of Arts degree in International Economics from the University of Washington. She also maintains the CRPC® and CIMA® designations. She is insurance licensed for Life, Health & Variable products in multiple states, including Washington and California (CA Insurance License Number: 0H39283).
Outside the office, Lori lives in Kirkland with her husband, Peter, and their son, David. She enjoys skiing, hiking, traveling, and attending Seattle sporting events.
She has been a proud UW football fan for more than 40 years.
Years at Morgan Stanley: 36
Seattle University, Master of International Business
University of Washington, Bachelor of International Economics
CERTIFIED FINANCIAL PLANNING CFP®
Certified Investment Management Analyst® CIMA®
Chartered Retirement Planning Counselor™ CRPC™
In her current role, Lori helps shape and execute the team’s business strategy and overall client experience, with a focus on creating a planning-led, service-first approach that is organized, responsive, and easy for clients to navigate. She is committed to clarity, accountability, and client-first execution—values that guide how she collaborates with colleagues and supports the families and individuals the team serves.
Lori earned the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation in 2003 to broaden her financial planning knowledge and better support clients as their priorities evolve. She holds a Master’s Degree in International Business from Seattle University and a Bachelor of Arts degree in International Economics from the University of Washington. She also maintains the CRPC® and CIMA® designations. She is insurance licensed for Life, Health & Variable products in multiple states, including Washington and California (CA Insurance License Number: 0H39283).
Outside the office, Lori lives in Kirkland with her husband, Peter, and their son, David. She enjoys skiing, hiking, traveling, and attending Seattle sporting events.
She has been a proud UW football fan for more than 40 years.
Years at Morgan Stanley: 36
Seattle University, Master of International Business
University of Washington, Bachelor of International Economics
CERTIFIED FINANCIAL PLANNING CFP®
Certified Investment Management Analyst® CIMA®
Chartered Retirement Planning Counselor™ CRPC™
About Eileen Stenhoff
Eileen began her career in 2008 with Morgan Stanley as the Northwest District Administrative Assistant then quickly moved to join the Northwest Regional team in Seattle after the joint venture with Smith Barney.
With client service in mind, Eileen moved to the Morgan Stanley Bellevue branch in 2011 and is thrilled to be Michael Weichbrodt’s Registered Client Service Associate and member of The Champion Group. The Champion Group is a team of Financial Advisors and Service Professionals that I have worked with for years.
Eileen’s most rewarding part of her job is becoming a trusted person for clients with regards to their financial well-being. Working with Michael Weichbrodt for the since 2014 has allowed me to personally know his clients and their families.
Eileen enjoys spending time with family including Cherise (29), Joshua (27) and their dad, David. Eileen’s two grown daughters Erin and Whitney live in Wisconsin. Eileen and David enjoy traveling and visiting their grandchildren in Wisconsin.
With client service in mind, Eileen moved to the Morgan Stanley Bellevue branch in 2011 and is thrilled to be Michael Weichbrodt’s Registered Client Service Associate and member of The Champion Group. The Champion Group is a team of Financial Advisors and Service Professionals that I have worked with for years.
Eileen’s most rewarding part of her job is becoming a trusted person for clients with regards to their financial well-being. Working with Michael Weichbrodt for the since 2014 has allowed me to personally know his clients and their families.
Eileen enjoys spending time with family including Cherise (29), Joshua (27) and their dad, David. Eileen’s two grown daughters Erin and Whitney live in Wisconsin. Eileen and David enjoy traveling and visiting their grandchildren in Wisconsin.
About Jason Roberts
Jason has been with Morgan Stanley for the past 12 years, including working with the front office operations department for the Bellevue Office. Among other things, Jason is our Group's point person for operations, including cash movements and assisting clients navigate Morgan Stanley Online.
Jason is a western Washington native, attending Washington State University. While not in the office, he enjoys traveling, hiking, reading, and has been nominated by our team as our "resident foodie".
Years at Morgan Stanley: 12
Washington State University
Jason is a western Washington native, attending Washington State University. While not in the office, he enjoys traveling, hiking, reading, and has been nominated by our team as our "resident foodie".
Years at Morgan Stanley: 12
Washington State University
About Eri Takahashi
Eri Takahashi has been a Registered Client Service Associate since August 2018. Eri was born & raised in Japan and moved to USA in 1997. She has over a decade of experience with working in finance such as a venture capital firm, international banks and insurance companies. Prior to Morgan Stanley, Eri worked as a Private Client Banker at JPMorgan Chase. Holds Series 7 & 66, Life & Disability. Outside financial world, she has organized many private & corporate events as a certified event professional and a business consultant. She enjoys traveling and she is a master of Japanese calligraphy.
Contact J.B. Champion
Contact Karen J Witt
Contact Michael Weichbrodt
Contact Jack Oman
Contact Ian Wang
Awards and Recognition
Barron's Top 1,200 Financial Advisors: State-by-State
2023, 2025-2026 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State) Source: Barrons.com (Awarded 2023, 2025-2026). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Five Star Wealth Advisor
Five Star Wealth Advisor Award This award was issued in 2025. The award was determined based on an evaluation process conducted by Five Star Professional based on objective criteria from 5/15/24 through 11/29/24.
2
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
Katie Reed
Senior Private Banker
Bill Grey
Private Banker
Terry Gravely, CFP®
Financial Planning Director, Vice President
About Katie Reed
Katie Reed is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Washington.
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.
Katie began her career in financial services in 2002 and joined Morgan Stanley in 2017 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch.
Katie is a graduate of the University of Washington, where she received a Bachelor of Arts in Economics. She lives in Seattle, Washington with her spouse. Outside of the office, Katie enjoys volunteering her time with various organizations which support women, food accessibility, and animals. She also enjoys traveling, Washington Husky football, and spending time with family and friends.
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.
Katie began her career in financial services in 2002 and joined Morgan Stanley in 2017 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch.
Katie is a graduate of the University of Washington, where she received a Bachelor of Arts in Economics. She lives in Seattle, Washington with her spouse. Outside of the office, Katie enjoys volunteering her time with various organizations which support women, food accessibility, and animals. She also enjoys traveling, Washington Husky football, and spending time with family and friends.
NMLS#: 652641
About Bill Grey
Bill Grey is a Private Banker serving Morgan Stanley Wealth Management offices in Washington.
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.
Bill began his career in financial services over 30 years ago and joined Morgan Stanley in 2024 as a Private Banker. Prior to joining the firm, he was a Custom Credit Executive at the Merrill Lynch. Bill also served as a Wealth Management Banker at Merrill Lynch.
Bill is a graduate of the Pacific Coast Banking School. He enjoys spending time with his family and is an avid fisherman.
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.
Bill began his career in financial services over 30 years ago and joined Morgan Stanley in 2024 as a Private Banker. Prior to joining the firm, he was a Custom Credit Executive at the Merrill Lynch. Bill also served as a Wealth Management Banker at Merrill Lynch.
Bill is a graduate of the Pacific Coast Banking School. He enjoys spending time with his family and is an avid fisherman.
NMLS#: 652692
About Terry Gravely
Terry Gravely is a vice president and financial planning director serving Morgan Stanley Wealth Management offices in Seattle. He is responsible for helping financial advisors with their clients’ and prospects’ financial planning needs.
Terry began his career in financial services in 2000 and joined Morgan Stanley in 2021. Prior to his current position, he worked as a registered investment advisor and certified teacher.
Terry graduated from Virginia Tech and holds his CERTIFIED FINANCIAL PLANNER™ and Certified Personal Wealth Advisor® designations. Terry lives in Seattle, WA, where he enjoys spending time with his grandchildren. Outside of work, Terry volunteers at an elementary school.
DISCLOSURE:
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.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
Terry began his career in financial services in 2000 and joined Morgan Stanley in 2021. Prior to his current position, he worked as a registered investment advisor and certified teacher.
Terry graduated from Virginia Tech and holds his CERTIFIED FINANCIAL PLANNER™ and Certified Personal Wealth Advisor® designations. Terry lives in Seattle, WA, where he enjoys spending time with his grandchildren. Outside of work, Terry volunteers at an elementary school.
DISCLOSURE:
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.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
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
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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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A Simple Six-Step Retirement Checkup
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529 Plans: A Powerful Tool to Save for Education
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Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
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Ready to start a conversation? Contact The Champion Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley 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.
2Morgan 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.
3Municipal 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
8Morgan 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.
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
1Morgan 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.
2Morgan 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.
3Municipal 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
8Morgan 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.
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)
