Steven J Trinkala, CFP®, CPWA®
Executive Director, Financial Advisor, Alternative Investments Director, Portfolio Management Director
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.
Services Include
- Alternative InvestmentsFootnote1
- Asset Management
- Business PlanningFootnote2
- Cash ManagementFootnote3
- Estate Planning StrategiesFootnote4
- Financial PlanningFootnote5
- Lending Products
- Philanthropic Services
- Planning for Education FundingFootnote6
- Professional Portfolio ManagementFootnote7
- Retirement PlanningFootnote8
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.
Investor Resources
Global Investment Committee Weekly Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
On The Markets Monthly Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Digital Tools
Morgan Stanley Online (MSO)
Morgan Stanley Online (MSO) digital capabilities and the Morgan Stanley Mobile App provide you with access to your account information, enriched reporting tools, several cash management solutions and robust market research. With MSO, you can securely manage your account online or on your mobile device.
Total Wealth View
Total Wealth View allows you to view all of your assets and liabilities together, whether held at Morgan Stanley or elsewhere, for a more comprehensive overview of your financial picture.
Online Security Center
Morgan Stanley's security center can help protect your personal information and safeguard your assets. The ideas and resources available to you can help defend against cyber threats.
Digital Vault
The Digital Vault allows you to build a centralized library of your confidential documents and better protect against fraudulent activity.
OVERVIEW
Alternative Investments in Private Equity, Debt and Real Estate Funds, and Stock & Real Estate Exchange funds offer potential portfolio diversification from publicly traded investments.
Beyond the Game: Value Creation in Alternatives
Michael Gaviser, Wealth Management’s Head of Private Markets, and Michael Arougheti, CEO of Ares Management, explore how sports investing extends beyond team ownership, alongside opportunities in real estate and infrastructure – and how investors are
gaining access.
Click Here to Viewgaining access.
Alts Report
Hear from industry innovators across Morgan Stanley Wealth Management leadership and fund manager partners as they discuss the trends and opportunities shaping the alternative investments landscape.
Listen to the Latest Episode Here
Private Equity
Our private equity teams invest in segments of the market that, in our view, are generally underserved by other providers of private capital. We invest directly in private businesses and also allocate capital to compelling fund managers, secondary market opportunities and co-investments on behalf of our limited partners. We seek situations where we believe our expertise, reputation and access to the unparalleled resources of Morgan Stanley will enable us to generate attractive risk-adjusted returns.
Private Credit
Private Credit investing is an essential component of Morgan Stanley Investment Management's alternative investments platform. We manage a well-defined group of strategies and seek to deliver attractive returns to our investors by forging successful partnerships with our portfolio companies.
Private Real Estate
Morgan Stanley Real Estate Investing (MSREI) is the global private real estate investment management arm of Morgan Stanley. With ~200 professionals in 17 offices across 13 countries plus decades of experience investing internationally, MSREI is uniquely positioned to execute core and opportunistic strategies globally.
Hedge Funds
Professionally managed investment funds that use sophisticated strategies to potentially offset losses during a market downturn, often seeking to generate returns higher than traditional stock and bond investments.
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 Lamb, CFP®
Senior Vice President, Financial Advisor, Senior Investment Management Consultant, Family Wealth Advisor, Portfolio Management Director
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®
Assistant Vice President, 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
Philip Juzwick
Client Relationship Analyst
Phone:
(412) 992-0610(412) 992-0610
About Steven J Trinkala
Steve is a seasoned financial professional with over 30 years of experience in the industry. As a CERTIFIED FINANCIAL PLANNER™ (CFP®) and a Certified Private Wealth Advisor® (CPWA®), he is dedicated to developing and managing tailored investment strategies that align with his clients' unique financial goals. With a strong foundation in accounting, Steve holds a Bachelor of Science degree in Accounting from Indiana University of Pennsylvania.
An early adopter in private equity investing, Steve applies a value-driven approach to identify opportunities that aim to preserve and grow family wealth. His passion for alternative investments is complemented by his extensive experience and strategic insight.
Outside of his professional life, Steve enjoys playing golf and is a wine connoisseur, appreciating the nuances and craftsmanship of fine wines. A former college football athlete, he resides in South Fayette with his wife, Kim, and their two sons, both of whom are actively involved in mixed martial arts (MMA). Steve and Kim are also committed to supporting the Juvenile Diabetes Research Foundation and other Type 1 Diabetes charities, reflecting their dedication to making a positive impact in their community.
An early adopter in private equity investing, Steve applies a value-driven approach to identify opportunities that aim to preserve and grow family wealth. His passion for alternative investments is complemented by his extensive experience and strategic insight.
Outside of his professional life, Steve enjoys playing golf and is a wine connoisseur, appreciating the nuances and craftsmanship of fine wines. A former college football athlete, he resides in South Fayette with his wife, Kim, and their two sons, both of whom are actively involved in mixed martial arts (MMA). Steve and Kim are also committed to supporting the Juvenile Diabetes Research Foundation and other Type 1 Diabetes charities, reflecting their dedication to making a positive impact in their community.
Securities Agent: UT, MD, CO, AL, WY, VA, NC, TX, DE, DC, CT, SC, OR, IL, AZ, WV, NJ, NH, MA, IN, GA, CA, NY, MO, MI, FL, TN, ME, AK, PA, OK, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 1512486
NMLS#: 1512486
About Betty Lamb
Betty has been a dedicated financial professional for over 45 years, specializing in wealth management and estate planning for high net worth clients, including professionals, small business owners, multi-generational families, and retirees. Her approach combines comprehensive planning with exceptional service.
Betty values her long-standing association with Morgan Stanley and its predecessor firms. Committed to lifelong learning, Betty earned her CERTIFIED FINANCIAL PLANNER™ designation in 1986 and the Investment Management Consultant credential from Morgan Stanley. Her expertise has been recognized with numerous accolades, including the FIVE STAR: Wealth Manager award from The Pittsburgh Magazine from 2021 to 2022.
Active in her community, Betty is a member of the International Women’s Forum (Pittsburgh Chapter) and the Alexis de Tocqueville Society. She has served on the United Way Women’s Leadership Council and has been involved with the Boys and Girls Club of Western Pennsylvania for 28 years, including as past Chairman. Betty also contributes to her church in various leadership roles.
2021-2022 Five Star Wealth Advisor Award
Source: fivestarprofessional.com (Awarded 2021-2022) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2022 Award - 09/27/2021 - 03/25/2022
2021 Award - 09/07/2020 - 04/23/2021
https://www.morganstanley.com/disclosures/awards-disclosure.html
Betty values her long-standing association with Morgan Stanley and its predecessor firms. Committed to lifelong learning, Betty earned her CERTIFIED FINANCIAL PLANNER™ designation in 1986 and the Investment Management Consultant credential from Morgan Stanley. Her expertise has been recognized with numerous accolades, including the FIVE STAR: Wealth Manager award from The Pittsburgh Magazine from 2021 to 2022.
Active in her community, Betty is a member of the International Women’s Forum (Pittsburgh Chapter) and the Alexis de Tocqueville Society. She has served on the United Way Women’s Leadership Council and has been involved with the Boys and Girls Club of Western Pennsylvania for 28 years, including as past Chairman. Betty also contributes to her church in various leadership roles.
2021-2022 Five Star Wealth Advisor Award
Source: fivestarprofessional.com (Awarded 2021-2022) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2022 Award - 09/27/2021 - 03/25/2022
2021 Award - 09/07/2020 - 04/23/2021
https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: MD, WV, NY, IN, VA, PA, MI, CT, AK, SC, NV, MO, IL, OR, OH, MA, DE, CA, WA, NH, GA, AZ, UT, TX, TN, FL, CO, AL, OK, ME, DC, NJ, NC, WY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1312763
CA Insurance License #: 0E26116
NMLS#: 1312763
CA Insurance License #: 0E26116
About Alan M Breedlove
Alan is a seasoned Financial Advisor with an impressive 45 years of experience in the financial services industry. He has dedicated his career to providing comprehensive financial guidance, specializing in advising families and individuals through complex financial landscapes. One of his most notable professional achievements was being selected to advise families who lost loved ones in the 9/11 attacks, a testament to his expertise and compassionate approach.
Alan's journey in finance began with a Bachelor of Finance degree from Penn State University in 1980. His career path has been marked by a commitment to understanding and addressing the unique needs of his clients, always striving to treat them with the same care and respect he would offer his own family. This client-centric philosophy is what sets Alan apart in the industry. He is passionate about the rewarding aspects of being a Financial Advisor, particularly the opportunity to make a meaningful impact on his clients' financial well-being. He believes the most important aspect of his role is to put himself in the shoes of his clients, ensuring that their financial strategies align with their personal goals and values.
Outside of his professional life, Alan is deeply committed to his faith, family, and the sport of rowing, which challenge him physically, mentally, and spiritually. Born in Schenectady, NY, and raised in St. Louis, MO, Alan brings a diverse background and a wealth of experience to his practice.
Alan's journey in finance began with a Bachelor of Finance degree from Penn State University in 1980. His career path has been marked by a commitment to understanding and addressing the unique needs of his clients, always striving to treat them with the same care and respect he would offer his own family. This client-centric philosophy is what sets Alan apart in the industry. He is passionate about the rewarding aspects of being a Financial Advisor, particularly the opportunity to make a meaningful impact on his clients' financial well-being. He believes the most important aspect of his role is to put himself in the shoes of his clients, ensuring that their financial strategies align with their personal goals and values.
Outside of his professional life, Alan is deeply committed to his faith, family, and the sport of rowing, which challenge him physically, mentally, and spiritually. Born in Schenectady, NY, and raised in St. Louis, MO, Alan brings a diverse background and a wealth of experience to his practice.
Securities Agent: IL, MA, FL, DC, NY, NJ, MI, CO, OR, MO, AZ, OH, UT, WV, SC, PA, NH, DE, CA, AL, VA, TX, GA, TN, IN, CT, AK, WY, OK, NC, ME, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1370421
CA Insurance License #: 4566304
NMLS#: 1370421
CA Insurance License #: 4566304
About Daniel Swiderski
Dan is a financial advisor and financial planning specialist at Morgan Stanley Wealth Management in downtown Pittsburgh. He holds a Bachelor’s degree in Finance from Duquesne University. During his college years, he interned with Morgan Stanley for three summers, gaining valuable experience that led to a full-time role as a wealth advisory associate. In this position, he focused on financial planning, which paved the way for his advancement to a financial advisor. Since December 2014, he has been a key member of the Compass Group, collaborating with Betty Lamb and Maggie Everly. He brings over ten years of industry experience to his clients.
He resides in Gibsonia, PA, with his wife, having married in June 2022. He is a skilled and avid golfer and a big foodie who enjoys exploring new cuisines. He also loves traveling and spending quality time with family and friends. At home, he shares his life with his dog, Enzo, who has a passion for dock diving.
He resides in Gibsonia, PA, with his wife, having married in June 2022. He is a skilled and avid golfer and a big foodie who enjoys exploring new cuisines. He also loves traveling and spending quality time with family and friends. At home, he shares his life with his dog, Enzo, who has a passion for dock diving.
Securities Agent: AZ, TX, AL, WY, VT, OK, NY, MO, MA, FL, OR, MD, DE, AK, VA, SC, NH, ME, DC, MI, IL, NC, IN, CA, PA, NV, CO, WV, UT, GA, WI, CT, TN, OH, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 1312777
CA Insurance License #: 4565036
NMLS#: 1312777
CA Insurance License #: 4565036
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 Wealth Management 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.
About Philip Juzwick
Phil previously interned with the Compass Group for the past two summers, gaining valuable experience and insight that he is excited to build upon in his full-time role. He graduated from Alvernia University, where he majored in Business Management and Finance. During his time at Alvernia, Phil was also a member of the Club Ice Hockey Team and served as an alternate captain during his senior year.
Outside of work, Phil enjoys golfing, fishing, hockey, and spending time outdoors. Prior to completing his senior year, he passed the SIE exam and is currently studying for the Series 7 and Series 66 licenses. Phil looks forward to continuing to expand his Wealth Management knowledge, contributing to the team, and building lasting relationships across the organization.
Outside of work, Phil enjoys golfing, fishing, hockey, and spending time outdoors. Prior to completing his senior year, he passed the SIE exam and is currently studying for the Series 7 and Series 66 licenses. Phil looks forward to continuing to expand his Wealth Management knowledge, contributing to the team, and building lasting relationships across the organization.
Contact Steven J Trinkala
Contact Betty Lamb
Contact Alan M Breedlove
Contact Daniel Swiderski
Wealth Management
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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
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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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
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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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
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 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.
1Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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
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.
6When 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.
7Morgan 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.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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
1Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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
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.
6When 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.
7Morgan 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.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
