Steven J Trinkala, CFP®, CPWA®
Senior Vice President, Financial Advisor, Alternative Investments Director, Senior Portfolio Manager
Phone:
(412) 392-1701(412) 392-1701
The Compass Group at Morgan Stanley
Direct:
(412) 434-8500(412) 434-8500
Toll-Free:
(800) 487-1879(800) 487-1879
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Philosophy
The individuals and families we serve are an exceptional group of people. Some are multi-generational families. Others are entrepreneurs and small business owners. Still others are single women professionals and widows. Essentially, all have accumulated significant assets and need help in identifying the appropriate strategies to effectively preserve, enhance and ultimately transfer their wealth. With team members who began their careers in financial services in the mid-1970s and early 1980s, we know what it takes to achieve personal and professional goals. We understand the hardships you must face; the decisions you must make. We have built our practice over more than three decades around customizing financial strategies for people just like you.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
Our clients believe, as we do, in the importance of working together with their financial advisor to build a longstanding relationship. They have grown to depend on our ability to deeply listen to them, so that we may clearly articulate their goals and aspirations. And above all, they have come to appreciate our true passion for wanting to help them solve their financial challenges. We do this together through the creation and activation of a comprehensive wealth management plan that serves as a personalized roadmap to helping them achieve financial success for themselves and future generations.
A seasoned wealth management team, our ultimate mission is to empower you to be confident in your financial decisions through education and understanding. We are committed to helping you grow and preserve your assets, while inspiring a level of confidence that enables you to spend less time worrying about your finances and more time enjoying your life and your family. We strive to be your primary financial advisor, working with your other trusted advisors to provide timely and objective advice, and earning your trust every day to make a real difference in your life.
A seasoned wealth management team, our ultimate mission is to empower you to be confident in your financial decisions through education and understanding. We are committed to helping you grow and preserve your assets, while inspiring a level of confidence that enables you to spend less time worrying about your finances and more time enjoying your life and your family. We strive to be your primary financial advisor, working with your other trusted advisors to provide timely and objective advice, and earning your trust every day to make a real difference in your life.
Location
1 Ppg Place
Ste 1300
Pittsburgh, PA 15222
US
Direct:
(412) 434-8500(412) 434-8500
Toll-Free:
(800) 487-1879(800) 487-1879
Meet The Compass Group
Betty L Lamb, CFP®
Senior Vice President, Financial Advisor, Senior Investment Management Consultant, Family Wealth Advisor
Phone:
(412) 392-5843(412) 392-5843
Alan M Breedlove
Senior Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(412) 392-1713(412) 392-1713
Phone:
(412) 392-5856(412) 392-5856
Margaret Ballenger Everly, CFP®
First Vice President, Group Director
Phone:
(412) 392-5824(412) 392-5824
Amy L. Bonetto, CFP®
First Vice President, Director of Business Strategy
Phone:
(412) 392-5821(412) 392-5821
Matthew A. Metzger, CFP®
Wealth Management Associate, Portfolio Associate
Phone:
(412) 392-8321(412) 392-8321
Linda S. Elliott
Senior Registered Client Service Associate
Phone:
(412) 392-8399(412) 392-8399
About Steven J Trinkala
With over 23 years of experience in industry, Steve utilizes his knowledge to develop and manage customized investment strategies for clients. An early adaptor in private equity investing, Steve executes a value discipline to uncover opportunities to help achieve the goal of preserving and growing family wealth. Steve received a Bachelor of Science degree in Accounting at the Indiana University of Pennsylvania. A battered-but-not-broken former college
football athlete, Steve resides in South Fayette with his wife, Kim, their two hockey playing sons, and their boxer, Mosely. Steve and Kim are very active in the Juvenile Diabetes Research Foundation and Type 1 Diabetes charities.
football athlete, Steve resides in South Fayette with his wife, Kim, their two hockey playing sons, and their boxer, Mosely. Steve and Kim are very active in the Juvenile Diabetes Research Foundation and Type 1 Diabetes charities.
Securities Agent: AL, FL, TN, ME, AK, PA, OK, UT, OH, CO, WY, VA, NC, TX, DE, DC, CT, SC, OR, IL, AZ, WV, NJ, NH, MN, MA, IN, GA, CA, NY, MO, MI, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1512486
NMLS#: 1512486
About Betty L Lamb
As a financial professional for over 45 years, Betty has dedicated her entire career to providing highly customized advice and investment solutions to professionals, small business owners, multi-generational families, and retirees. She focuses on wealth management and estate planning strategies for high net worth clients. Her comprehensive approach to financial management includes a thorough planning process and a commitment to providing outstanding service and advice.
Betty began her career in financial services at Hornblower & Weeks before moving to A.E. Masten in 1981, which later became part of Morgan Stanley through a series of mergers. She is proud to be a part of the Morgan Stanley family, having been a part of the firm’s history and its predecessor brands.
Betty has committed herself to continued, higher learning. In 1986, she received her CERTIFIED FINANCIAL PLANNINGTM designation from the Certified Financial Planner Board of Standards. Betty also earned the Investment Management Consultant credential from Morgan Stanley, a designation attained through study and adherence to the highest level of professionalism in developing strategies and in evaluating and managing client investments.
Over the years, Betty has received numerous distinctions and professional accolades. Most recently, she was recognized by The Pittsburgh Magazine as a winner of the FIVE STAR: Wealth ManagerSM 2012-2022* (Source: fivestarprofessional.com (Awarded 2012-2022) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria*.) Betty is a member of the International Women’s Forum (Pittsburgh Chapter). She is a member of the Alexis de Tocqueville Society and has proudly served as a past member of the United Way Women’s Leadership Council for more than five years.
Born and raised in Pittsburgh, Betty has always been very active in her community. Over the years, she has been a member of the Pittsburgh Stock and Bond Club, the Greater Pittsburgh Society of Financial Planning and is a past President of the Pittsburgh Vectors. She remains dedicated to many local charities close to her heart. She served for 28 years on the Board of the Boys and Girls Club of Western Pennsylvania and is a past Chairman. Betty has been involved in her church for over 30 years, serving in many capacities, including Financial Secretary and President of the Board of Trustees.
" 2012-2022 Five Star Wealth Advisor Award
Source: fivestarprofessional.com (Awarded 2012-2022) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2012 Award - 10/07/2011 - 04/19/2012
2013 Award - 10/07/2012 - 04/19/2013
2014 Award - 10/07/2013 - 04/19/2014
2015 Award - 10/07/2014 - 04/19/2015
2016 Award - 10/07/2015 - 04/19/2016
2017 Award - 09/27/2016 - 04/11/2017
2018 Award - 09/28/2017 - 04/17/2018
2019 Award - 09/17/2018 - 04/12/2019
2020 Award - 09/16/2019 - 04/10/2020
2021 Award - 09/07/2020 - 04/23/2021
2022 Award - 09/27/2021 - 03/25/2022
https://www.morganstanley.com/disclosures/awards-disclosure.html
Betty began her career in financial services at Hornblower & Weeks before moving to A.E. Masten in 1981, which later became part of Morgan Stanley through a series of mergers. She is proud to be a part of the Morgan Stanley family, having been a part of the firm’s history and its predecessor brands.
Betty has committed herself to continued, higher learning. In 1986, she received her CERTIFIED FINANCIAL PLANNINGTM designation from the Certified Financial Planner Board of Standards. Betty also earned the Investment Management Consultant credential from Morgan Stanley, a designation attained through study and adherence to the highest level of professionalism in developing strategies and in evaluating and managing client investments.
Over the years, Betty has received numerous distinctions and professional accolades. Most recently, she was recognized by The Pittsburgh Magazine as a winner of the FIVE STAR: Wealth ManagerSM 2012-2022* (Source: fivestarprofessional.com (Awarded 2012-2022) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria*.) Betty is a member of the International Women’s Forum (Pittsburgh Chapter). She is a member of the Alexis de Tocqueville Society and has proudly served as a past member of the United Way Women’s Leadership Council for more than five years.
Born and raised in Pittsburgh, Betty has always been very active in her community. Over the years, she has been a member of the Pittsburgh Stock and Bond Club, the Greater Pittsburgh Society of Financial Planning and is a past President of the Pittsburgh Vectors. She remains dedicated to many local charities close to her heart. She served for 28 years on the Board of the Boys and Girls Club of Western Pennsylvania and is a past Chairman. Betty has been involved in her church for over 30 years, serving in many capacities, including Financial Secretary and President of the Board of Trustees.
" 2012-2022 Five Star Wealth Advisor Award
Source: fivestarprofessional.com (Awarded 2012-2022) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2012 Award - 10/07/2011 - 04/19/2012
2013 Award - 10/07/2012 - 04/19/2013
2014 Award - 10/07/2013 - 04/19/2014
2015 Award - 10/07/2014 - 04/19/2015
2016 Award - 10/07/2015 - 04/19/2016
2017 Award - 09/27/2016 - 04/11/2017
2018 Award - 09/28/2017 - 04/17/2018
2019 Award - 09/17/2018 - 04/12/2019
2020 Award - 09/16/2019 - 04/10/2020
2021 Award - 09/07/2020 - 04/23/2021
2022 Award - 09/27/2021 - 03/25/2022
https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: ME, NC, MD, WV, DC, NY, IN, UT, NJ, TX, MN, TN, FL, CO, AL, WY, SC, MO, IL, OR, OH, MA, DE, CA, NH, GA, AZ, VA, PA, MI, CT, AK, OK; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1312763
CA Insurance License #: 0536761
NMLS#: 1312763
CA Insurance License #: 0536761
About Alan M Breedlove
Alan is an Alternatives Investment (AI) Director and Senior Portfolio Manager with the Compass Group at Morgan Stanley and a Senior Vice President of the firm. As an AI Director and Senior Portfolio Manager, Alan and his Compass partners strive to provide outstanding service to families and access to some of the world’s best investment managers.
Alan has demonstrated professional knowledge in the areas of alternative investments, developing and executing strategies for wealth building, preservation and transfer. “Our mission is to analyze each unique client situation and to deliver customized, innovative strategies based on the complex needs of each family.”
Alan and his partners’ disciplined approach to investing is the foundation of their clients’ portfolios. With over 40 years of investment experience, Alan has been privileged to advise multiple generations of many families through the ever changing financial landscape. An honor and humbling experience for Alan was being part of a select group of financial advisors approved by the special master of the September 11th Victim’s Compensation Fund (VCF) to advise families compensated by the VCF.
Alan’s pride and joy are his four daughters and three sons who never cease to amaze him despite turning his hair white. Alan is a voracious reader of history, rows on the Allegheny River and North Park Lake to keep in shape, and mows his lawn for instant gratification. His favorite volunteer activity is coaching middle school and high school rowers. A graduate of Penn State, Alan lives in Allison Park, Pennsylvania, with his five youngest children: one in college, three in high school and one in middle school.
Alan has demonstrated professional knowledge in the areas of alternative investments, developing and executing strategies for wealth building, preservation and transfer. “Our mission is to analyze each unique client situation and to deliver customized, innovative strategies based on the complex needs of each family.”
Alan and his partners’ disciplined approach to investing is the foundation of their clients’ portfolios. With over 40 years of investment experience, Alan has been privileged to advise multiple generations of many families through the ever changing financial landscape. An honor and humbling experience for Alan was being part of a select group of financial advisors approved by the special master of the September 11th Victim’s Compensation Fund (VCF) to advise families compensated by the VCF.
Alan’s pride and joy are his four daughters and three sons who never cease to amaze him despite turning his hair white. Alan is a voracious reader of history, rows on the Allegheny River and North Park Lake to keep in shape, and mows his lawn for instant gratification. His favorite volunteer activity is coaching middle school and high school rowers. A graduate of Penn State, Alan lives in Allison Park, Pennsylvania, with his five youngest children: one in college, three in high school and one in middle school.
Securities Agent: DE, OR, SC, PA, NH, CA, WV, VA, TX, GA, OH, MA, FL, AZ, DC, NY, NJ, MI, CO, MO, TN, MN, IN, CT, AK, WY, OK, NC, ME, MD, IL, AL, UT; General Securities Representative; Investment Advisor Representative
NMLS#: 1370421
NMLS#: 1370421
About Daniel Swiderski
Dan is a financial advisor and financial planning specialist at Morgan Stanley Wealth Management in downtown Pittsburgh. He earned his Bachelor’s degree from Duquesne University, where he majored in Finance. Dan interned with Morgan Stanley for three years in his summers throughout college. After graduation, the firm brought him on full-time as a wealth advisory associate for one year, where he worked specifically on the financial planning side of the business. This position led Dan to become a full-fledged financial advisor, teaming with Betty Lamb and Maggie Everly in December 2014 and is now a member of the Compass Group. Dan has ten years of experience in the financial industry.
Dan currently resides in Gibsonia, PA with his fiancé and will be getting married in June 2022. Dan is an avid golfer, loves travelling, trying new foods, and spending time with his family and friends.
Dan currently resides in Gibsonia, PA with his fiancé and will be getting married in June 2022. Dan is an avid golfer, loves travelling, trying new foods, and spending time with his family and friends.
Securities Agent: WY, AK, NC, MN, IN, CA, PA, CO, WV, UT, GA, CT, TN, OH, NJ, AZ, MO, VA, SC, NH, ME, DC, MI, IL, VT, TX, AL, OK, NY, MA, FL, OR, MD, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 1312777
NMLS#: 1312777
About Margaret Ballenger Everly
Drawing on over 25 years of experience in the financial services industry, Maggie provides a wide range of services for team’s clients. She is available to answer their questions and assist them in the implementation of their strategic financial plan, their annuity or life insurance reviews, or a complex operational issue. She holds series 7, 63 and 65 registrations, her Pennsylvania Insurance license, and her CERTIFIED FINANCIAL PLANNING TM designation.
After graduating magna cum laude from Boston University with a Bachelor of Arts degree in International Relations, Political Science, and History, Maggie attended the London School of Economics where she received her Master of Science (Economics) degree in European Studies. She has had the opportunity to work for a number of financial services firms throughout her career, and has been with Morgan Stanley for more than 20 years.
Maggie and her husband, David, live in Mars, Pennsylvania with their two cats. She is an active member of the Daughters of the American Revolution on the local, state, and national levels. In her free time, she enjoys reading and spending time with family and friends.
After graduating magna cum laude from Boston University with a Bachelor of Arts degree in International Relations, Political Science, and History, Maggie attended the London School of Economics where she received her Master of Science (Economics) degree in European Studies. She has had the opportunity to work for a number of financial services firms throughout her career, and has been with Morgan Stanley for more than 20 years.
Maggie and her husband, David, live in Mars, Pennsylvania with their two cats. She is an active member of the Daughters of the American Revolution on the local, state, and national levels. In her free time, she enjoys reading and spending time with family and friends.
About Amy L. Bonetto
As a licensed investment professional since 2006, currently holding FINRA series 7 and 63 licenses as well as a Pennsylvania Insurance license, Amy has multifaceted responsibilities within The Compass Group at Morgan Stanley. Her primary focus is to build and maintain client relationships. As such, Amy has recently become a CFP® Professional and has instituted personalized financial planning for our clients.
Amy began working in Financial Services after graduating with a Bachelor of Science degree in Economics from the University of Pittsburgh. Shortly after beginning her career, Amy returned to school and earned her Masters of Business Administration from Robert Morris University in 2009.
Amy and her husband, Anthony are both avid golfers and aspiring chefs.
Amy began working in Financial Services after graduating with a Bachelor of Science degree in Economics from the University of Pittsburgh. Shortly after beginning her career, Amy returned to school and earned her Masters of Business Administration from Robert Morris University in 2009.
Amy and her husband, Anthony are both avid golfers and aspiring chefs.
About Matthew A. Metzger
Matt Metzger is a Senior Registered Associate with Morgan Stanley in Pittsburgh. He joined the firm in 2013 after earning a B.B.A. in Business Economics from Ohio University, and is Series 7 and Series 66 licensed.
Matt provides multifaceted administrative and operational support through helping to deliver a high level of service to meet the sophisticated needs of the group's clientele.
Matt currently resides in the South Hills with his wife, Allison. In his free time, he enjoys maintaining an active lifestyle, exploring the outdoors, spending time with his family and friends, and traveling.
Matt provides multifaceted administrative and operational support through helping to deliver a high level of service to meet the sophisticated needs of the group's clientele.
Matt currently resides in the South Hills with his wife, Allison. In his free time, he enjoys maintaining an active lifestyle, exploring the outdoors, spending time with his family and friends, and traveling.
About Linda S. Elliott
Linda has over 23 years of experience in the financial services industry, having worked both in the banking and investment world through the years. She holds a dual Bachelor of Arts / Bachelor of Science degree in Marketing and Management from Robert Morris University. She is also Series 7 and Series 66 licensed.
When not assisting in all areas of administrative and operational client service, Linda enjoys travelling with her husband and spending time in her garden.
When not assisting in all areas of administrative and operational client service, Linda enjoys travelling with her husband and spending time in her garden.
Contact Steven J Trinkala
Contact Betty L Lamb
Contact Alan M Breedlove
Contact Daniel Swiderski
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
Tyson Abert
Senior Private Banker
About Tyson Abert
Tyson R. Abert is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Wisconsin, Northern Ohio and Western Pennsylvania.
Senior Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Tyson began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Development Manager and a Senior Relationship Manager at Wells Fargo’s Commercial Banking Services.
Tyson is a graduate of Illinois State University where he received a Bachelor of Science degree in Finance and Accounting, and Lake Forest Graduate School of Management where he received a Master of Business Administration. He and his family currently reside right outside Milwaukee, Wisconsin. Outside of the office, Tyson enjoys golfing, hunting, boating, fishing, and spending time with his family.
Senior Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Tyson began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Development Manager and a Senior Relationship Manager at Wells Fargo’s Commercial Banking Services.
Tyson is a graduate of Illinois State University where he received a Bachelor of Science degree in Finance and Accounting, and Lake Forest Graduate School of Management where he received a Master of Business Administration. He and his family currently reside right outside Milwaukee, Wisconsin. Outside of the office, Tyson enjoys golfing, hunting, boating, fishing, and spending time with his family.
NMLS#: 362127
Wealth Management
Global Investment Office
Portfolio Insights
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
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
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
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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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 Compass Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
2Morgan Stanley Smith Barney LLC 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
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.
4Morgan 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan 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.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame 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
1Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
2Morgan Stanley Smith Barney LLC 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
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.
4Morgan 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan 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.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
