Janet M Clements
Executive Director, Financial Advisor, Family Wealth Director, Corporate Client Group Director
Phone:
(972) 450-6620(972) 450-6620
The Clements Wealth Management Group at Morgan Stanley
Direct:
(972) 450-4821(972) 450-4821
Toll-Free:
(866) 218-2036(866) 218-2036
Industry Award WinnerOur Mission Statement
Preserving wealth. Empowering generations. Designing legacies.
About Us
Based in Dallas, the Clements Wealth Management Group at Morgan Stanley is a highly experienced investment advisory practice that has its origins in equity compensation, serving both executives and corporations. Today the Group helps investors achieve their goals through sound, comprehensive financial planning and provides advice to executives on how best to structure and maximize their equity compensation. The Group serves clients both in Dallas and across the nation.
With an unwavering commitment to integrity and professionalism, the Group’s members embody the same strong values and uncompromising principles that serve as the foundation on which this practice was built more than two decades ago.
The Group is led by Jan Clements, an Executive Director, Family Wealth Director and a Corporate Client Group Director; and Kevin Clements, an Executive Director and Certified Financial Planner®. Their passion for serving others is matched only by their long-standing dedication to their clients.
Kevin and Jan are skillfully supported by a superb team of highly experienced investment professionals who are equally devoted to delivering the highest level of personal service to clients. These talented professionals include: Sharon Washburn, a Vice President and Financial Planning Specialist; Jen Reynolds, a Financial Advisor, Portfolio Manger, and Certified Financial Planner®; Karina Lagunas, who is bilingual, Griffin Whitaker, and Noah Allen who support the team and deliver a superior level of consistently excellent service as the team’s highly efficient registered assistants.
Whether you have short- or long-term goals, or you’re looking to grow your wealth slowly, aggressively or somewhere in between, the Clements Wealth Management Group at Morgan Stanley can create a prudent, comprehensive financial plan that will help you enjoy a fulfilling and stress-free life.
With an unwavering commitment to integrity and professionalism, the Group’s members embody the same strong values and uncompromising principles that serve as the foundation on which this practice was built more than two decades ago.
The Group is led by Jan Clements, an Executive Director, Family Wealth Director and a Corporate Client Group Director; and Kevin Clements, an Executive Director and Certified Financial Planner®. Their passion for serving others is matched only by their long-standing dedication to their clients.
Kevin and Jan are skillfully supported by a superb team of highly experienced investment professionals who are equally devoted to delivering the highest level of personal service to clients. These talented professionals include: Sharon Washburn, a Vice President and Financial Planning Specialist; Jen Reynolds, a Financial Advisor, Portfolio Manger, and Certified Financial Planner®; Karina Lagunas, who is bilingual, Griffin Whitaker, and Noah Allen who support the team and deliver a superior level of consistently excellent service as the team’s highly efficient registered assistants.
Whether you have short- or long-term goals, or you’re looking to grow your wealth slowly, aggressively or somewhere in between, the Clements Wealth Management Group at Morgan Stanley can create a prudent, comprehensive financial plan that will help you enjoy a fulfilling and stress-free life.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The first step to achieving your unique goals is to create a sound, comprehensive financial plan. Financial plans provide a roadmap to your desired destination and help fulfill goals and dreams.
Certified Financial Planners® Kevin Clements and Jen Reynolds lead the team in implementing goals-based financial plans. The team also includes Jan Clements, Senior Vice President and Sharon Washburn, Vice President and Financial Planning Specialist.
At the Clements Group, the process of creating a financial plan begins with an in-depth interview to obtain vital facts and fine details that often get overlooked. The Clements Group believes a plan is only as good as the base of information on which it is built.
Once the Group accumulates all pertinent information, they analyze it so they can present the best possible recommendations to help you succeed.
For any financial plan to be successful, it needs to be active and monitored on an ongoing basis. After your financial plan is implemented, the Group will monitor it closely to help ensure it remains on track to your desired financial destination. The Group will also keep you well-informed with its progress through regular communications, including periodic mailings and reviews.
Anytime you have questions, you can always contact the Group and receive easy-to-understand answers that will give you the confidence your plan is doing exactly what it’s supposed to do. As your needs and goals change over time, the Group will be there to work with you to modify your plan accordingly.
No matter what your goals, regardless of your time horizon, you can feel confident the Clements Wealth Management Group at Morgan Stanley can create the most suitable plan for your situation and manage it effectively in getting you to where you want to go.
Certified Financial Planners® Kevin Clements and Jen Reynolds lead the team in implementing goals-based financial plans. The team also includes Jan Clements, Senior Vice President and Sharon Washburn, Vice President and Financial Planning Specialist.
At the Clements Group, the process of creating a financial plan begins with an in-depth interview to obtain vital facts and fine details that often get overlooked. The Clements Group believes a plan is only as good as the base of information on which it is built.
Once the Group accumulates all pertinent information, they analyze it so they can present the best possible recommendations to help you succeed.
For any financial plan to be successful, it needs to be active and monitored on an ongoing basis. After your financial plan is implemented, the Group will monitor it closely to help ensure it remains on track to your desired financial destination. The Group will also keep you well-informed with its progress through regular communications, including periodic mailings and reviews.
Anytime you have questions, you can always contact the Group and receive easy-to-understand answers that will give you the confidence your plan is doing exactly what it’s supposed to do. As your needs and goals change over time, the Group will be there to work with you to modify your plan accordingly.
No matter what your goals, regardless of your time horizon, you can feel confident the Clements Wealth Management Group at Morgan Stanley can create the most suitable plan for your situation and manage it effectively in getting you to where you want to go.
Few advisory teams, if any, offer corporate executives and entrepreneurs more experience and depth of knowledge than the Clements Group Wealth Management of Morgan Stanley. The primary reason is Jan Clements, Senior Vice President and Corporate Client Group Director and Family Wealth Director.
A strategic planner, Jan has spent more than 40 years – 30 with Morgan Stanley -- advising executives and entrepreneurs on a host of financial issues, including equity compensation, alternative investments, debt management, growth investing and income strategies. She is also skilled at advising entrepreneurs on selling their business.
Among her many talents, Jan is highly adept at looking at the proverbial “big picture’ of a client’s complete financial situation and determining the most suitable ways to manage both sides of his or her balance sheet to seek favorable outcomes, for entire families as well.
Jan’s success is due in part to her strong commitment to keep current on changing laws and rules that affect investors. She is also deeply involved with getting to know her clients and their families as well as their goals and needs. Moreover, she stays in contact with them regularly.
Jan’s professionalism and integrity have not gone unnoticed. She was recently named to Forbes prestigious list of Top Women Wealth Advisors for 2021, largely because of her dedication and service to corporate executives and entrepreneurs. She has been honored both by Forbes and Barron’s many times throughout her career.
A strategic planner, Jan has spent more than 40 years – 30 with Morgan Stanley -- advising executives and entrepreneurs on a host of financial issues, including equity compensation, alternative investments, debt management, growth investing and income strategies. She is also skilled at advising entrepreneurs on selling their business.
Among her many talents, Jan is highly adept at looking at the proverbial “big picture’ of a client’s complete financial situation and determining the most suitable ways to manage both sides of his or her balance sheet to seek favorable outcomes, for entire families as well.
Jan’s success is due in part to her strong commitment to keep current on changing laws and rules that affect investors. She is also deeply involved with getting to know her clients and their families as well as their goals and needs. Moreover, she stays in contact with them regularly.
Jan’s professionalism and integrity have not gone unnoticed. She was recently named to Forbes prestigious list of Top Women Wealth Advisors for 2021, largely because of her dedication and service to corporate executives and entrepreneurs. She has been honored both by Forbes and Barron’s many times throughout her career.
Throughout life, individuals face any number of events that can substantially affect their finances, such as death, divorce or a disability. Even a job promotion that increases income significantly, or an inheritance, can have a meaningful impact on one's financial well-being.
As a client of the Clements Wealth Management Group at Morgan Stanley, you will have ready access to sound, reliable advice concerning these types of life events, which will ease your concerns, enhance your quality of life and help you reach your goals in a no-hassle way.
Jan Clements and Kevin Clements have extensive planning experience to help ensure your wealth is transferred in strict accordance with your wishes -- whether that means providing a nest egg for your children and grandchildren or generating adequate income for a loved one.
In the event of separation or divorce, Sharon Washburn can be a much-valued resource. In addition to being a financial planning specialist, Sharon holds the Certified Divorce Financial Analyst CDFA® designation, meaning she’s well-equipped to deal with the complex issues that may arise in an efficient, stress-free manner. She also assists client in pre marital planning.
In all, the Clements Group is well-prepared to help you through any life event, no matter how challenging, with prudent advice and a high level of quality service and support.
As a client of the Clements Wealth Management Group at Morgan Stanley, you will have ready access to sound, reliable advice concerning these types of life events, which will ease your concerns, enhance your quality of life and help you reach your goals in a no-hassle way.
Jan Clements and Kevin Clements have extensive planning experience to help ensure your wealth is transferred in strict accordance with your wishes -- whether that means providing a nest egg for your children and grandchildren or generating adequate income for a loved one.
In the event of separation or divorce, Sharon Washburn can be a much-valued resource. In addition to being a financial planning specialist, Sharon holds the Certified Divorce Financial Analyst CDFA® designation, meaning she’s well-equipped to deal with the complex issues that may arise in an efficient, stress-free manner. She also assists client in pre marital planning.
In all, the Clements Group is well-prepared to help you through any life event, no matter how challenging, with prudent advice and a high level of quality service and support.
At the Clements Group, we create comprehensive financial plans for investors who would like to:
Reduce unnecessary expenses
Keep more of what they earn
Boost their net worth
Realize clearly defined goals
Achieve long-term financial security
Below is our step-by-step process for creating a financial plan:
Reduce unnecessary expenses
Keep more of what they earn
Boost their net worth
Realize clearly defined goals
Achieve long-term financial security
Below is our step-by-step process for creating a financial plan:
Discovery
During this phase, we conduct a thorough interview with you to gather as much pertinent information as possible about you and your family. We listen intensely, ask plenty of questions and take copious notes. Our process is so extensive because we want to make sure we cover every facet of your financial life – and make you feel like our only client.
Creating Your Strategy
At this stage, we present your financial plan. We also recommend sound investments and strategies to help you achieve your clearly defined goals, such as saving for college expenses, securing a comfortable retirement or leaving a legacy. We gladly answer any questions you may have. We believe the more our clients understand their plan, the more comfortable they will be adhering to it long-term.
Implementing Your Plan
Once you are completely comfortable with your financial plan, we implement it and monitor the plan regularly to help ensure it remains on track to your financial goals. We also stay in close contact with you to keep you informed and provide you with the highest level of service and support. As your needs change, we confer with you to adjust your plan accordingly.
Growing Our Relationship
At the Clements Group, we view the financial planning process as the first step in an ongoing relationship. We form the foundation of that relationship by striving every day to exceed your expectations with every action that we take. Our goal is to serve you and build a trusting relationship. Every member of our team is dedicated to fulfilling this all-important mission.
Location
5001 Spring Valley Rd
Ste 900W
Dallas, TX 75244
US
Direct:
(972) 450-4821(972) 450-4821
Toll-Free:
(866) 218-2036(866) 218-2036
Meet The Clements Wealth Management Group
Kevin M Clements, CFP®
Executive Director, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Portfolio Management Director
Phone:
(972) 450-6685(972) 450-6685
Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(972) 450-6679(972) 450-6679
Jennifer Reynolds, CFP®
Financial Advisor, Portfolio Manager
Phone:
(972) 450-6634(972) 450-6634
Karina Lagunas
Portfolio Associate
Phone:
(972) 450-4819(972) 450-4819
Griffin Whitaker
Registered Client Service Associate
Phone:
(972) 450-6649(972) 450-6649
Noah Allen
Client Service Associate
Phone:
(972) 450-6662(972) 450-6662
About Janet M Clements
Jan Clements is an Executive Director with The Clements Group at Morgan Stanley in the firm’s Spring Valley branch. Deeply devoted to building strong, trusting relationships, she has more than four decades of experience advising a diverse group of high-net-worth individuals and corporate clients. In addition to being a Financial Advisor, she is a Family Wealth Director and Corporate Client Group Director.
Jan consults in the development and implementation of all types of corporate equity compensation plans, as well as executive benefits, executive financial services and investment management. Among her many areas of focus, she advises executives on control and restricted stock, hedging strategies and executive portfolio management and helps individuals with financial and estate planning strategies.
Throughout her long career, Jan has built a solid reputation with clients because she is highly adept at addressing all their financial concerns and leveraging the full resources of Morgan Stanley to work towards their goals. She is also skilled at identifying needs and anticipating concerns that clients have not yet considered.
Whether she is assisting a corporate executive, engineer or retiree, she brings a substantive level of depth and knowledge to the relationship. As a result, many of her clients have been with her for years and have referred friends and family members to her. In fact, with some clients, Jan serves the needs of three generations of the same family.
Jan began her career with Merrill Lynch in the early 1980s and moved to Smith Barney, a Morgan Stanley predecessor company, in 1991. Having been in the business as long as she has, Jan has helped clients navigate their portfolios through a broad range of market and economic climates, keeping them focused on their carefully defined objectives and eschewing the pitfalls of emotional investing.
She is registered to do business in all states and US Territories Jan has her Series 3, 7, 63 and 65 licenses.
Jan has previously served as co-chair for Morgan Stanley Women in Wealth. The group looks for opportunities to support young women in our communities. She also once served as a board member for Maur Hill Mount Academy, established in 1863.
She has a Bachelor of Business Administration degree from Saint Mary’s College, Notre Dame, Indiana. She is an avid Notre Dame Football fan and a proud alumna of the Band of the Fighting Irish. In her spare time, she enjoys playing golf. Jan and her husband reside in North Dallas.
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. 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.
Jan consults in the development and implementation of all types of corporate equity compensation plans, as well as executive benefits, executive financial services and investment management. Among her many areas of focus, she advises executives on control and restricted stock, hedging strategies and executive portfolio management and helps individuals with financial and estate planning strategies.
Throughout her long career, Jan has built a solid reputation with clients because she is highly adept at addressing all their financial concerns and leveraging the full resources of Morgan Stanley to work towards their goals. She is also skilled at identifying needs and anticipating concerns that clients have not yet considered.
Whether she is assisting a corporate executive, engineer or retiree, she brings a substantive level of depth and knowledge to the relationship. As a result, many of her clients have been with her for years and have referred friends and family members to her. In fact, with some clients, Jan serves the needs of three generations of the same family.
Jan began her career with Merrill Lynch in the early 1980s and moved to Smith Barney, a Morgan Stanley predecessor company, in 1991. Having been in the business as long as she has, Jan has helped clients navigate their portfolios through a broad range of market and economic climates, keeping them focused on their carefully defined objectives and eschewing the pitfalls of emotional investing.
She is registered to do business in all states and US Territories Jan has her Series 3, 7, 63 and 65 licenses.
Jan has previously served as co-chair for Morgan Stanley Women in Wealth. The group looks for opportunities to support young women in our communities. She also once served as a board member for Maur Hill Mount Academy, established in 1863.
She has a Bachelor of Business Administration degree from Saint Mary’s College, Notre Dame, Indiana. She is an avid Notre Dame Football fan and a proud alumna of the Band of the Fighting Irish. In her spare time, she enjoys playing golf. Jan and her husband reside in North Dallas.
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. 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.
Securities Agent: WA, PA, HI, TN, MA, UT, MN, WV, RI, ND, MT, NM, MS, TX, IA, VT, SD, WY, VA, PR, DE, CA, WI, IN, LA, MD, IL, ID, MI, MO, SC, OR, GA, NV, NJ, OK, NH, NE, NC, OH, NY, AZ, ME, AR, DC, KY, CT, KS, AK, FL, CO, AL; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1253282
NMLS#: 1253282
About Kevin M Clements
With a career spanning over three decades, Kevin Clements is a dedicated Executive Director, Financial Advisor, and Certified Financial Planner® with The Clements Group at Morgan Stanley's Spring Valley branch in Dallas, TX. Since joining Morgan Stanley in 1999, Kevin has leveraged his extensive experience from Charles Schwab and Merrill Lynch to provide expert guidance in equity compensation and financial planning.
Kevin specializes in helping corporate executives navigate the complexities of equity compensation, including automated trading plans and insider selling. His goal-based financial planning and risk-based asset management strategies cater to a diverse clientele of high-net-worth individuals.
Committed to fostering deep, long-term relationships, Kevin ensures his clients feel confident and informed about their financial decisions. His tailored approach and accessibility make him a trusted partner in achieving financial goals.
Outside of work, Kevin enjoys playing golf and supporting the Kansas City Chiefs. He resides in North Dallas with his wife, Cel, and holds a Bachelor of Science in Finance from Arizona State University. Kevin is registered to conduct business in all states and holds Series 3, 7, 8, 63, and 65 licenses.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Kevin specializes in helping corporate executives navigate the complexities of equity compensation, including automated trading plans and insider selling. His goal-based financial planning and risk-based asset management strategies cater to a diverse clientele of high-net-worth individuals.
Committed to fostering deep, long-term relationships, Kevin ensures his clients feel confident and informed about their financial decisions. His tailored approach and accessibility make him a trusted partner in achieving financial goals.
Outside of work, Kevin enjoys playing golf and supporting the Kansas City Chiefs. He resides in North Dallas with his wife, Cel, and holds a Bachelor of Science in Finance from Arizona State University. Kevin is registered to conduct business in all states and holds Series 3, 7, 8, 63, and 65 licenses.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Securities Agent: AR, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, AZ, AK, AL; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1255303
NMLS#: 1255303
About Sharon L Washburn
Sharon Washburn is a Vice President and financial planning specialist with The Clements Wealth Management Group at Morgan Stanley, located in the firm’s Spring Valley branch. With over three decades of experience in financial services, she has been with Morgan Stanley and its predecessor firms since July 1993.
Before joining The Clements Group in 2017, Sharon was part of a retirement planning group at Morgan Stanley, where she focused on estate planning strategies and retirement planning. During this time, she gained valuable experience in working with estates and assisting families in understanding the estate planning process.
Sharon is noted for her commitment to empowering clients through education. She serves high-net-worth individuals, foundations, and Fortune 500 companies, including their employee plans. She is highly skilled in managing corporate stock plans, such as option, purchase, and restricted stock plans. Sharon works closely with Morgan Stanley’s Executive Financial Services team, handling Rule 144 stock sales and 10b5-1 sales plans.
Additionally, Sharon is adept at guiding individuals through financial challenges that arise from major life changes, such as marriage, death, employment, and divorce. She is a Certified Divorce Financial Analyst® and a member of The Institute for Divorce Financial Analysts. Having grown up in a military family that relocated five times during her youth, Sharon personally understands the challenges of change and serves as a reassuring presence for her clients during stressful times.
Sharon graduated from The University of Texas at Arlington in 1986 with a Bachelor of Business Administration degree. After graduation, she worked at Judson Malkin & Bloom (JMB), focusing on real estate limited partnerships. In 1989, she joined PaineWebber (now UBS).
In her free time, Sharon enjoys listening to music, traveling, and spending time with her senior dog, Ranger, and her cat, Tanner. A resident of North Dallas, she is an avid sports fan, supporting all the teams in the Dallas Metroplex, and is involved with several charities in the Dallas-Fort Worth area.
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. Clients should consult their tax advisor for matters involving taxation and tax planning, and their attorney for trust and estate planning and other legal matters.
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.
Clients executing a 10b5-1 Plan should keep the following important considerations in mind: (1) 10b5-1 Plans should be approved by the compliance officer or general counsel of the company; (2) A 10b5-1 Plan may require a cessation of trading activities at times when lockups may be necessary to the company (i.e. secondary offerings, pooling transactions, etc.); (3) A 10b5-1 Plan does not generally alter the regulatory requirements (e.g. Rule 144, Section 16, Section 13D) that may otherwise be applicable; (4) 10b5-1 Plans that are modified or terminated early may weaken or lose the benefit of the affirmative defense; (5) Public disclosure of 10b5-1 Plans (e.g., via press release) may be appropriate for some insiders; (6) Most companies will permit 10b5-1 Plans to be implemented only during open window periods; and (7) Morgan Stanley Smith Barney, as well as some issuers, imposes a mandatory waiting period between the execution of the 10b5-1 Plan and the first sale pursuant to the 10b5-1 Plan.
Preset Diversification Program is a registered Trademark of Morgan Stanley Smith Barney LLC, protected in the United States and other countries.
Morgan Stanley LLC. Member SIPC
CRC 5241001 2/26
Before joining The Clements Group in 2017, Sharon was part of a retirement planning group at Morgan Stanley, where she focused on estate planning strategies and retirement planning. During this time, she gained valuable experience in working with estates and assisting families in understanding the estate planning process.
Sharon is noted for her commitment to empowering clients through education. She serves high-net-worth individuals, foundations, and Fortune 500 companies, including their employee plans. She is highly skilled in managing corporate stock plans, such as option, purchase, and restricted stock plans. Sharon works closely with Morgan Stanley’s Executive Financial Services team, handling Rule 144 stock sales and 10b5-1 sales plans.
Additionally, Sharon is adept at guiding individuals through financial challenges that arise from major life changes, such as marriage, death, employment, and divorce. She is a Certified Divorce Financial Analyst® and a member of The Institute for Divorce Financial Analysts. Having grown up in a military family that relocated five times during her youth, Sharon personally understands the challenges of change and serves as a reassuring presence for her clients during stressful times.
Sharon graduated from The University of Texas at Arlington in 1986 with a Bachelor of Business Administration degree. After graduation, she worked at Judson Malkin & Bloom (JMB), focusing on real estate limited partnerships. In 1989, she joined PaineWebber (now UBS).
In her free time, Sharon enjoys listening to music, traveling, and spending time with her senior dog, Ranger, and her cat, Tanner. A resident of North Dallas, she is an avid sports fan, supporting all the teams in the Dallas Metroplex, and is involved with several charities in the Dallas-Fort Worth area.
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. Clients should consult their tax advisor for matters involving taxation and tax planning, and their attorney for trust and estate planning and other legal matters.
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.
Clients executing a 10b5-1 Plan should keep the following important considerations in mind: (1) 10b5-1 Plans should be approved by the compliance officer or general counsel of the company; (2) A 10b5-1 Plan may require a cessation of trading activities at times when lockups may be necessary to the company (i.e. secondary offerings, pooling transactions, etc.); (3) A 10b5-1 Plan does not generally alter the regulatory requirements (e.g. Rule 144, Section 16, Section 13D) that may otherwise be applicable; (4) 10b5-1 Plans that are modified or terminated early may weaken or lose the benefit of the affirmative defense; (5) Public disclosure of 10b5-1 Plans (e.g., via press release) may be appropriate for some insiders; (6) Most companies will permit 10b5-1 Plans to be implemented only during open window periods; and (7) Morgan Stanley Smith Barney, as well as some issuers, imposes a mandatory waiting period between the execution of the 10b5-1 Plan and the first sale pursuant to the 10b5-1 Plan.
Preset Diversification Program is a registered Trademark of Morgan Stanley Smith Barney LLC, protected in the United States and other countries.
Morgan Stanley LLC. Member SIPC
CRC 5241001 2/26
Securities Agent: NY, TN, WY, VT, IL, LA, GA, MT, NH, WV, WI, WA, VA, UT, TX, SD, SC, RI, PA, OR, OK, OH, NV, NM, NJ, NE, ND, NC, MS, MO, MN, MI, ME, MD, MA, KY, KS, IN, ID, IA, HI, FL, DE, DC, CT, CO, CA, AZ, AR, AL, AK, PR; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1262078
NMLS#: 1262078
About Jennifer Reynolds, CFP®
Jennifer Reynolds is a dedicated Financial Advisor and Certified Financial Planner® professional with Morgan Stanley’s Clements Wealth Management Group, where she has served clients since 2017. Passionate about transforming complex financial challenges into clear, achievable paths, Jennifer delivers highly personalized, goal-oriented advice that empowers clients to pursue their dreams with confidence.
Drawing on Morgan Stanley’s robust suite of investment tools and strategies, Jennifer partners closely with her clients—and a seasoned team of advisors—to build sophisticated portfolios tailored to your unique aspirations. From selecting top-tier portfolio managers and mutual funds to optimizing asset allocation, she ensures every decision aligns precisely with your long-term vision for wealth growth and preservation.
Jennifer excels in comprehensive retirement and estate planning, helping families:
• Design secure, fulfilling retirement lifestyles with sustainable income strategies
• Minimize estate taxes through advanced trusts and planning techniques
• Preserve and transfer wealth exactly as you intend, including meaningful charitable legacies
Her clients value her fiduciary commitment, proactive guidance, and ability to simplify intricate financial matters—delivering peace of mind in an ever-changing world.
With prior experience at Fidelity, Merrill Lynch, and Wells Fargo, Jennifer brings a depth of industry insight honed over years of serving diverse client needs. She holds:
• Bachelor of Business Administration in Business Management – Southern Methodist University (2005)
• MBA – University of Phoenix (2009)
• FINRA Series 7, 63, and 65 registrations
• Insurance License
A Louisiana native now proudly calling Melissa, Texas home, Jennifer enjoys a vibrant family life with her husband, three young adult sons, and their energetic dog, Rufus.
Drawing on Morgan Stanley’s robust suite of investment tools and strategies, Jennifer partners closely with her clients—and a seasoned team of advisors—to build sophisticated portfolios tailored to your unique aspirations. From selecting top-tier portfolio managers and mutual funds to optimizing asset allocation, she ensures every decision aligns precisely with your long-term vision for wealth growth and preservation.
Jennifer excels in comprehensive retirement and estate planning, helping families:
• Design secure, fulfilling retirement lifestyles with sustainable income strategies
• Minimize estate taxes through advanced trusts and planning techniques
• Preserve and transfer wealth exactly as you intend, including meaningful charitable legacies
Her clients value her fiduciary commitment, proactive guidance, and ability to simplify intricate financial matters—delivering peace of mind in an ever-changing world.
With prior experience at Fidelity, Merrill Lynch, and Wells Fargo, Jennifer brings a depth of industry insight honed over years of serving diverse client needs. She holds:
• Bachelor of Business Administration in Business Management – Southern Methodist University (2005)
• MBA – University of Phoenix (2009)
• FINRA Series 7, 63, and 65 registrations
• Insurance License
A Louisiana native now proudly calling Melissa, Texas home, Jennifer enjoys a vibrant family life with her husband, three young adult sons, and their energetic dog, Rufus.
Securities Agent: MO, CO, CA, TX, MN, AK, WA, NH, LA, IN, IA, WI, OR, NV, NC, MI, ID, GA, AZ, WY, MD, MT, KY, DE, TN, OK, CT, AR, UT, SC, PA, NY, VT, VA, NJ, NE, ND, IL, FL, OH, NM, ME, MA, KS, HI, DC, AL, WV, SD, RI, PR, MS; General Securities Representative; Investment Advisor Representative
About Karina Lagunas
Karina is a Portfolio Associate at Morgan Stanley. She joined the firm and The Clements Wealth Management Group in June 2017.
Leveraging extensive knowledge of Morgan Stanley’s proprietary systems and platforms, Karina ensures seamless daily operations. In her role as Portfolio Associate, she collaborates closely with clients and advisors, streamlining everything from scheduling to complex client communications. Clients rely on Karina for timely, professional responses to their questions and concerns.
Prior to joining the firm, Karina worked at Wells Fargo. Karina is a graduate of the Naveen Jindal School of Management at UT Dallas, where she earned her Bachelor of Science in Finance. She holds her Series 7 and Series 66 registrations.
A Texas resident, Karina currently resides in Dallas where she is active with her extended family
Leveraging extensive knowledge of Morgan Stanley’s proprietary systems and platforms, Karina ensures seamless daily operations. In her role as Portfolio Associate, she collaborates closely with clients and advisors, streamlining everything from scheduling to complex client communications. Clients rely on Karina for timely, professional responses to their questions and concerns.
Prior to joining the firm, Karina worked at Wells Fargo. Karina is a graduate of the Naveen Jindal School of Management at UT Dallas, where she earned her Bachelor of Science in Finance. She holds her Series 7 and Series 66 registrations.
A Texas resident, Karina currently resides in Dallas where she is active with her extended family
About Griffin Whitaker
Griffin is a Registered Client Service Associate at Morgan Stanley, where he joined The Clements Wealth Management Group in 2023. In his role, Griffin is dedicated to supporting the team by cultivating and enhancing new and existing client relationships. He is proficient in a wide range of systems and platforms available at Morgan Stanley, which enables him to deliver tailored solutions effectively. Clients have come to rely on Griffin's ability to provide timely reporting and document review solutions at crucial junctures in their financial life cycles.
Before joining Morgan Stanley, Griffin gained valuable experience at Vanguard, working in their Charlotte and Dallas offices. He is a graduate of the Louisiana Tech University College of Business, where he earned a Bachelor of Science in Finance in 2021. Griffin holds Series 7 and Series 66 registrations, underscoring his commitment to professional excellence.
Originally from Louisiana, Griffin now proudly calls Dallas home. Outside of work, he volunteers with SIFMA as a Student Essay Judge, contributing to the development of future financial professionals. In his free time, Griffin enjoys staying active playing basketball, golf, and tennis and is an avid fan of the New Jersey Devils hockey team.
Before joining Morgan Stanley, Griffin gained valuable experience at Vanguard, working in their Charlotte and Dallas offices. He is a graduate of the Louisiana Tech University College of Business, where he earned a Bachelor of Science in Finance in 2021. Griffin holds Series 7 and Series 66 registrations, underscoring his commitment to professional excellence.
Originally from Louisiana, Griffin now proudly calls Dallas home. Outside of work, he volunteers with SIFMA as a Student Essay Judge, contributing to the development of future financial professionals. In his free time, Griffin enjoys staying active playing basketball, golf, and tennis and is an avid fan of the New Jersey Devils hockey team.
About Noah Allen
Noah joined the Clements Wealth Management Group at Morgan Stanley in 2025.
In his role as a Client Service Associate, he supports the team by assisting with client’s everyday needs, preparing planning materials, and ensuring each client receives timely, attentive support by keeping information organized and up to date.
Noah graduated from the University of Texas at Arlington College of Business with a Bachelor of Business Administration in Finance and Economics.
He was raised in Athens, Georgia, and now calls Dallas home. In his free time, he enjoys spending time with his wife and two dogs, cheering on the Georgia Bulldogs, and playing basketball and golf.
In his role as a Client Service Associate, he supports the team by assisting with client’s everyday needs, preparing planning materials, and ensuring each client receives timely, attentive support by keeping information organized and up to date.
Noah graduated from the University of Texas at Arlington College of Business with a Bachelor of Business Administration in Finance and Economics.
He was raised in Athens, Georgia, and now calls Dallas home. In his free time, he enjoys spending time with his wife and two dogs, cheering on the Georgia Bulldogs, and playing basketball and golf.
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Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2025-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2025-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Matt Williams
Associate Private Banker
About Matt Williams
Matt Williams is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Texas.
Associate Private Bankers partner with Private Bankers and 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.
Matt began his career in financial services in 2005 and joined Morgan Stanley in 2024 as an Associate Private Banker. Prior to joining the firm, he was a Financial Advisor at Merrill Lynch. He also served as a Wealth Management Lending Officer at Bank of America/Merrill Lynch.
Matt is a graduate of Baylor University, where he received a Bachelor of Business Administration in Marketing. He lives in Dallas, Texas with his family. Outside of the office, Matt enjoys running and spending time with his family.
Associate Private Bankers partner with Private Bankers and 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.
Matt began his career in financial services in 2005 and joined Morgan Stanley in 2024 as an Associate Private Banker. Prior to joining the firm, he was a Financial Advisor at Merrill Lynch. He also served as a Wealth Management Lending Officer at Bank of America/Merrill Lynch.
Matt is a graduate of Baylor University, where he received a Bachelor of Business Administration in Marketing. He lives in Dallas, Texas with his family. Outside of the office, Matt enjoys running and spending time with his family.
NMLS#: 621903
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
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Working closely with you to guide your wealth and investments through the most challenging market cycles.
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Rational Investing in an Age of Uncertainty
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
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Financial Planning for Life After Selling a Business
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Clements Wealth Management 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley 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.
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.
7When 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.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley 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.
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.
7When 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.
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)
