Robert Chapline
The Chapline Ludwig Group at Morgan Stanley
Robert ChaplineJohn LudwigMark Chapline, CFP®Madison Osias, CFP®Douglas Williams, QPFCLindsey StewartHayden Ludwig, CFP®
Direct:
(816) 932-8767(816) 932-8767
Toll-Free:
(800) 821-6119(800) 821-6119
Industry Award WinnerOur Mission Statement
To Provide Comprehensive Wealth Management Solutions for Your Life and Your Legacy.
Our Team
The Chapline Ludwig Group has served our clients at Morgan Stanley for over 30 years. Our considerable presence and experience allows us to provide financial advice, research insights and integrated solutions to help meet a broad spectrum of today's modern family needs.
Supported by the resources of Morgan Stanley, we aim to provide the highest quality of service as we help you face your concerns through each phase of your life - from outlining the financial needs of your family to planning for retirement to building your legacy.
By becoming a better-informed investor and working in collaboration with our team, we can bring together the pieces of your vision and help make your aspirations a reality.
For a review of your world, please give us a call.
Supported by the resources of Morgan Stanley, we aim to provide the highest quality of service as we help you face your concerns through each phase of your life - from outlining the financial needs of your family to planning for retirement to building your legacy.
By becoming a better-informed investor and working in collaboration with our team, we can bring together the pieces of your vision and help make your aspirations a reality.
For a review of your world, please give us a call.
Services Include
- Asset Management
- Cash ManagementFootnote1
- Financial PlanningFootnote2
- LGBT+ Planning ServicesFootnote3
- Planning for Education FundingFootnote4
- Planning for Individuals with Special Needs
- Professional Portfolio ManagementFootnote5
- Trust Services*
- Wealth ManagementFootnote6
- Life InsuranceFootnote7
- Philanthropic Services
- Retirement PlanningFootnote8
- Sustainable InvestingFootnote9
- Stock Option PlansFootnote10
- Stock Plan ServicesFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Wealth is a Journey, Not a Destination
Build a Dream Team for Your Career
The mission of our sports and entertainment practice is to deepen and broaden our existing client relationships in the Entertainment Industry by creating a greater awareness of our wealth management capabilities as it relates to the complexity of their lives. The Chapline Ludwig Group can help you navigate these complex situations.
Morgan Stanley Global Sports & Entertainment, a division committed to serving the complex financial needs of professional athletes and entertainers. We created the division because every sports and entertainment profession is unique, with its own characteristics, earnings profile and career span. Our clients need Sports and Entertainment Directors who know the industry and how money flows from their work to their wallet.
Morgan Stanley Global Sports & Entertainment, a division committed to serving the complex financial needs of professional athletes and entertainers. We created the division because every sports and entertainment profession is unique, with its own characteristics, earnings profile and career span. Our clients need Sports and Entertainment Directors who know the industry and how money flows from their work to their wallet.
Who We Are
Sports and Entertainment Directors have advanced experience working in very specific fields. In our case, it’s actors, screenwriters, directors, and musicians. We understand the unique financial challenges of entertainers and can craft customized financial strategies that are tailored to their specific needs. Delivering the powerful resources of Morgan Stanley, one of the world’s leading financial services firms, we work to translate our client’s goals into financial strategies designed to help grow assets, preserve wealth and ensure a successful financial life and legacy.
Learn More Here
How We Can Help
How We Can Help
Provide financial education and resources to empower you to make confident decisions
Take care of your family without compromising your own funds
Extend your career in the sports industry, stretch peak earnings and plan for your lifetime
Help you understand the mechanics of your financial well-being and navigating the financial world
Provide financial education and resources to empower you to make confident decisions
Take care of your family without compromising your own funds
Extend your career in the sports industry, stretch peak earnings and plan for your lifetime
Help you understand the mechanics of your financial well-being and navigating the financial world
NIL Playbook: Understanding the Deal
NCAA college athletes now have the opportunity to benefit from their name, image and likeness. Understanding the rules in addition to practicing good financial fitness will be essential to setting up your future.
Learn More Here
Manage Your Cybersecurity Like a Pro Athlete
Whether you're an All-Star or just a fan of the game. Cybersecurity best practices are equally important to all. Check out this article for more on how to manage your cybersecurity like a pro.
Learn More HereStaying Connected and Informed
Explore a suite of powerful digital tools designed to enhance your financial planning experience. Along with market insights and reports to help you stay ahead in this ever-changing landscape.
On The Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read the Report Here
The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read the Report HereMorgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll TodayValuable Resources
The Morgan Stanley Wealth Management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life
Goal-Based Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
Learn More Here
Planning for Retirement
While saving for a retirement is an important topic, it’s at least as important as what comes next: Your plan of action once you enter retirement.
Learn More Here
Social Security
Maximizing your Social Security retirement benefits can help you achieve other financial goals.
Learn More Here
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.
Click here for more information about our offersLocation
4520 Main St. 8th
Fl
Kansas City, MO 64111
US
Direct:
(816) 932-8767(816) 932-8767
Toll-Free:
(800) 821-6119(800) 821-6119
1550 Market Street
Suite 600
Denver, CO 80202
US
Direct:
(303) 572-4089(303) 572-4089
1901 Main Street
Suite 700
Irvine, CA 92612
US
Direct:
(816) 932-7883(816) 932-7883
Meet The Chapline Ludwig Group
John T. Ludwig
Mark Chapline
Madison Osias
Douglas Williams
Lindsey Stewart
Hayden Ludwig, CFP®, MBA
Financial Advisor
Phone:
(816) 932-7835(816) 932-7835
Ellen Booth
Wealth Management Associate, Assistant Vice President
Phone:
(816) 932-8767(816) 932-8767
Leah Booth
Consulting Group Analyst, Financial Planning Specialist
Phone:
(816) 932-7843(816) 932-7843
Haley Walton
Client Service Associate
Phone:
(816) 932-7801(816) 932-7801
About Hayden Ludwig
Hayden Ludwig is a Financial Advisor with Morgan Stanley. Following his internship with the firm, Hayden brings a unique perspective to client service by working to meet clients’ administrative needs while supporting the team’s relationships on an ongoing basis. From all aspects of organizational due diligence to transactional support, Hayden maintains open lines of regular communication necessary to support their everyday needs.
Prior to joining Morgan Stanley in 2016, Hayden earned his bachelor’s degree in Business and Finance from Columbia College with a minor in Management before going on to complete his MBA at his alma mater. Hayden brings a tenacious problem-solving skillset and technological capability to the team to gain a better understanding of how to employ technology to integrate and simplify many of their administrative objectives.
Outside of work, Hayden enjoys going to the movies, cooking, and reading. Hayden played on the Columbia College Baseball Team where he received the AMC Academic All-Conference Award 5 times, the NAIA Scholar Athlete Award, and was their Inspirational Athlete of the Year. He has also made time to volunteer for Headstart, a program that promotes the school readiness of children from birth until age five, from low-income families, as well as the Food Bank for Central and Northeast Missouri.
Prior to joining Morgan Stanley in 2016, Hayden earned his bachelor’s degree in Business and Finance from Columbia College with a minor in Management before going on to complete his MBA at his alma mater. Hayden brings a tenacious problem-solving skillset and technological capability to the team to gain a better understanding of how to employ technology to integrate and simplify many of their administrative objectives.
Outside of work, Hayden enjoys going to the movies, cooking, and reading. Hayden played on the Columbia College Baseball Team where he received the AMC Academic All-Conference Award 5 times, the NAIA Scholar Athlete Award, and was their Inspirational Athlete of the Year. He has also made time to volunteer for Headstart, a program that promotes the school readiness of children from birth until age five, from low-income families, as well as the Food Bank for Central and Northeast Missouri.
Securities Agent: ME, WI, NM, MT, WY, VT, VA, UT, OK, NH, ND, MD, LA, DC, TX, NJ, KY, GA, DE, AZ, AR, TN, PA, OH, MO, WA, SC, MI, IA, RI, NV, MN, KS, CT, AK, NY, IN, FL, AL, SD, NC, MA, IL, OR, NE, CO, CA; General Securities Representative; Investment Advisor Representative
About Ellen Booth
Ellen Booth manages the diverse operational and administrative needs of the team and its clients as Senior Client Service Associate. In the financial industry 15 years, with 6 years at Morgan Stanley, Ellen is a problem solver for the team.
Ellen holds a BSBA from the University of Central Missouri, Warrensburg. She is an active member of Briarcliff Church, where she often volunteers and leads AWANA. Houston Chow Chow rescue group is another organization close to her heart. Ellen loves spending time with her husband Ron and their two children, Avery and Leah. Favorite activities include hikes and walks with her dog and crafting.
Ellen holds a BSBA from the University of Central Missouri, Warrensburg. She is an active member of Briarcliff Church, where she often volunteers and leads AWANA. Houston Chow Chow rescue group is another organization close to her heart. Ellen loves spending time with her husband Ron and their two children, Avery and Leah. Favorite activities include hikes and walks with her dog and crafting.
About Haley Walton
Haley Walton is a Client Service Associate with Morgan Stanley. As a primary point of contact for the team’s clients regarding various requests and inquiries, Haley maintains a service model necessary to meet their everyday needs.
Prior to joining Morgan Stanley in 2022, Haley earned her Bachelor of Science in Public Relations from Southern Georgia University. Her experience as an International Wire Specialist and Private Banking Associate has given her the skill set necessary to support virtually every aspect of the client relationship while providing them with a first-class service they’ve come to associate with the team.
Outside of her work in Public Relations, Haley volunteered as a Cheerleading Coach for the Bulloch County Parks and Recreation Department. She coached eight girls through cheers, dances, and stunts for various competitions and events throughout the season.
Prior to joining Morgan Stanley in 2022, Haley earned her Bachelor of Science in Public Relations from Southern Georgia University. Her experience as an International Wire Specialist and Private Banking Associate has given her the skill set necessary to support virtually every aspect of the client relationship while providing them with a first-class service they’ve come to associate with the team.
Outside of her work in Public Relations, Haley volunteered as a Cheerleading Coach for the Bulloch County Parks and Recreation Department. She coached eight girls through cheers, dances, and stunts for various competitions and events throughout the season.
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
Article Image
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
Article Image
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
Article Image
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
Small Business Retirement Plans
Article Image
Ready to start a conversation? Contact The Chapline Ludwig Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan Stanley 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
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley 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.
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.
5Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
6Morgan 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8When 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.
9Investing 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.
10Morgan 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.
11Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley 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
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley 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.
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.
5Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
6Morgan 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8When 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.
9Investing 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.
10Morgan 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.
11Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
