Phone:
(203) 356-0844(203) 356-0844
The Connecticut Yankee Group at Morgan Stanley
Our Mission Statement
2025 Forbes Best-In-State Wealth Management Teams
Empowering clients with personalized strategies to navigate financial complexities, achieve goals, and build lasting legacies.
Empowering clients with personalized strategies to navigate financial complexities, achieve goals, and build lasting legacies.
Our Story
Welcome to the Connecticut Yankee Group at Morgan Stanley
Where expertise meets legacy, the Connecticut Yankee Group brings over four decades of financial planning excellence, unwavering client dedication, and a rich history of success. Founded by Allan Jay in 1976, our team was built on a commitment to helping individuals, families, and businesses achieve their financial aspirations.
Allan's journey began at Janney Montgomery Scott and led him to E.F. Hutton in 1980, where he continued to thrive through 12 firm name changes—keeping the same phone number to ensure his clients always had a trusted, reliable connection. As an industry pioneer, Allan earned the prestigious Certified Financial Planner designation in 1984 and later a Master of Science in Financial Planning in 1997, embodying a lifelong pursuit of knowledge and expertise.
The Connecticut Yankee Group reflects the strength of strategic alliances and family values. From Allan's partnership with Lynn Ridgway in the 1980s to his collaboration with Marine Corps veteran and MBA graduate Paul Greatsinger in 2006, our team has grown into a multi-generational powerhouse of experience and innovation. This growth continued with the addition of Ginny Greatsinger in 2016 and Allan's son Brian in 2019—ensuring our expertise is matched by a passion for service and family legacy.
Our senior team member, Helaine DeVore, has been an integral part of Allan's professional life for an astounding 35 years. With her unparalleled dedication to client service and her genuine rapport with our clients, Helaine is a cornerstone of our team's success.
At the Connecticut Yankee Group, we understand that your wealth represents more than financial success—it's about building a legacy. Backed by Morgan Stanley's global resources and expertise, we offer personalized, forward-thinking strategies to help you navigate every stage of your financial journey.
Let us put our history, expertise, and passion to work for you. Together, we'll help you protect and grow what matters most.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Awards & Designations
The respective members of The Connecticut Yankee Group at Morgan Stanley are honored to share the various awards we have been given, as well as the various designations we hold to better support our clients.
2025 Forbes Best-In-State Wealth Management Team
We are honored to be recognized by Forbes as a Best-in-State Wealth Management Team, a distinction awarded based on an independent evaluation by SHOOK Research. This recognition highlights our commitment to excellence in wealth management, strong client relationships, and adherence to the highest industry standards.
Selection criteria include industry experience, client retention, assets under management, compliance records, and firm nominations. Earning this recognition reinforces our dedication to delivering personalized financial strategies and trusted guidance tailored to each client's unique needs. We take pride in providing exceptional service and helping our clients achieve their long-term financial goals with confidence.
Allan Jay
2018-2021, 2024 Forbes Best-In- State Wealth Advisors
2018-2021, 2024
2019 Barron's Top 1,000 Financial Advisors: State-by-State
2019
Family Wealth Director® - 2006 - Present
The Family Wealth Director (FWD®) designation is given to elite advisors who have extensive experience working with ultra-high net worth families, and who have undergone specialized training.
Certified Financial Planner®
The CFP® certification is awarded to candidates who have demonstrated expertise in the areas of Education, Investment, Tax, Retirement, Estate and Insurance planning. CFP® Professionals must accrue several years of experience related to delivering financial planning services to clients and pass a comprehensive exam.
Brian Jay
Certified Financial Planner®
The CFP® certification is awarded to candidates who have demonstrated expertise in the areas of Education, Investment, Tax, Retirement, Estate and Insurance planning. CFP® Professionals must accrue several years of experience related to delivering financial planning services to clients and pass a comprehensive exam.
Pacesetter's Club
The firm's Pacesetter's Club is a global recognition program for Financial Advisors who early in their career, have demonstrated the highest professional standards and first class client service.
Paul Greatsinger
Certified Financial Planner®
The CFP® certification is awarded to candidates who have demonstrated expertise in the areas of Education, Investment, Tax, Retirement, Estate and Insurance planning. CFP® Professionals must accrue several years of experience related to delivering financial planning services to clients and pass a comprehensive exam.
Working With You
We believe that identifying financial solutions begins with a solid understanding of each client's situation, goals, objectives and risk tolerance. We follow a disciplined process that allows us to work with you to craft a solution that helps meet your individual needs. This process aligns our efforts with your interests, providing a road map focused on what is most important to you.
Step 1: Getting to Know You
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your accounts helping ensure a comprehensive financial plan.
Step 4: Action Items / Next Steps
After the financial plan presentation, I will follow up with you regarding your analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, I will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. I will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
How We Help
Managing our money is one of the most important aspects of our lives, and yet, many people don't have someone they can depend on for help when they need it. Our clients turn to us as a first call, and together we help find solutions to life's major moments and financial challenges.
Think of us as "big, but boutique." We combine the vast resources of a global financial services firm with individualized services for a hands-on, tailored approach. We always have your best interest in mind - whether it's planning for your future, plotting your retirement savings drawdown strategy, creating tailored lending solutions, maximizing tax-efficient withdrawals, designing an investment portfolio that balances your needs and your concerns, or planning your legacy. We can do more for you than you'd imagine.
Financial Planning - at the heart of it all
Creating a financial plan means taking a holistic view of your entire financial picture. We put together a custom strategy that is tailored to your financial objectives - whether it be saving for retirement, saving for your child's education, or protecting your wealth. We also give you the ability to monitor and track your progress towards your financial goals,.24-7.
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles, and in the most tax-efficient way.
• Asset Management
• Portfolio Management
• Wealth Planning
• Traditional Investments
• Alternative Investments
• Impact Investing
• Tax-Efficient Investing
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
Family
Creating customized financial strategies for the challenges that today's families face.
• Estate Planning Strategies
• Trust Services
• 529 Plans / Education Savings Planning
• Special Needs Planning
Cash Management and Lending Solutions
A comprehensive suite of tools and solutions to meet your ever-changing cash flow and liquidity needs. Think traditional banking but more!
• Cash Plus Brokerage Account
• 24-7 Digital Cash Management Tools
• Liquidity Access Line of Credit
• Home Loans
• Preferred Savings Program
Risk Management
A holistic approach to managing your finances by identifying risk outliers and understanding the impact of market scenarios.
• Portfolio Risk Platform (Aladdin)
• Life Insurance
• Long Term care
• Annuities
• Property & Casualty
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
Resources, Tools & Events
Working with us, and being a client at Morgan Stanley means you have access to Morgan Stanley's robust suite of digital tools, which provides you with simple and easy ways to access your accounts and manage your wealth effectively. We have assembled the following resources to provide you with information on current market trends, relevant financial topics, and the most requested resources. If we can help you with anything else, please reach out.
Our Team's Monthly Focus
In an effort to share relevant and timely information, we send out curated monthly resources and ideas to our clients. Some of the topics include education planning, insurance reviews, estate planning, etc. You can find the most recent email linked below, which includes a link to the previous month's communication. Let us know if you have any questions or would like to be included on our email list.
GIC: On The Markets
A monthly publication that summarizes the Global Investment Committee's market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition below.
GIC: Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income. Click the link below to read the full report.
2025 Tax Tables
For 2025 federal tax information, including Income Tax Tables, Deadlines, Contribution Limits and more.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:
• Total Wealth View – Access streamlined views of your assets and liabilities, including mortgage information, aggregated from all of your financial institutions
• Current Financial News – access up-to-date news, current market data, research, company profiles, and quotes
• Access to Import Documents – sign up for digital access to all of your financial documents
• Manage Everyday Finances – mobile check deposit, online bill pay, and send money with Zelle
• Electronic Authorization - e-authorization allows you to approve transactions electronically and securely
Portfolio Risk Platform
Our Portfolio Risk Platform leverages Aladdin, Blackrock's state-of-the-art risk engine used by many of the world's largest institutional asset managers. This unique risk management solution has been fully customized by Morgan Stanley to better meet your needs. Providing a sophisticated view of risk across your portfolio held at Morgan Stanley as well as other financial institutions. The Portfolio Risk Platform enables a deeper understanding of your portfolio, helping us work with you to manage your risk while proactively giving you a full picture of your portfolio's health.
See how you can view hypothetical performance based on certain factors and simulated market shocks (a drop in the S&P 500) or historical scenarios (the 2008 Financial Crisis) in the video below.
Tax Efficient Investing
With tax efficient investment strategies, you may be able to mitigate more of your potential tax bill than you may realize. Check out the video below to learn more about out Total Tax 365 approach.
Intelligent Withdrawals
Liquidating assets to meet a goal can be a land mine of tax risk. We can help you navigate the complexities with Total Tax 365 and Intelligent Withdrawals.
Security Center: How to Protect Yourself Online
Safeguarding your assets and information is one of our highest priorities, but you also have a critical role to play. Check out our collection of practical takeaways and best practices from our cybersecurity professionals, then explore a few of the ways we help protect you.
Location
4 Landmark Square 2nd
2nd Floor
Stamford, CT 06901
US
Direct:
(203) 356-0844(203) 356-0844
Fax:
(203) 967-7008(203) 967-7008
Meet The Connecticut Yankee Group
Brian Jay, CFP®
Financial Advisor, First Vice President, Wealth Management
Phone:
(203) 967-7020(203) 967-7020
Phone:
(203) 356-0819(203) 356-0819
Phone:
(203) 326-6956(203) 326-6956
Helaine DeVore
Senior Client Service Associate
Phone:
(203) 356-0841(203) 356-0841
About Allan Jay
Allan is a Senior Vice President and Family Wealth Director at Morgan Stanley. Allan has a keen understanding of the financial needs unique to ultra-high-net-worth individuals, foundations and endowments. His in-depth knowledge of wealth and asset management addresses complex issues and delivers strategic advice to help clients with every aspect of their financial affairs. Allan’s aim is to educate a select group of clients through an ongoing consultative process with the ability to tap the intellectual capital of Morgan Stanley.
Allan became a wealth manager in 1976 and made his only company change in 1980 to what was known as E.F. Hutton which, through a series of mergers, eventually became Morgan Stanley. He obtained a Certified Financial Planner designation in 1984 and a Master of Science in Financial Planning in 1997. Allan has been recognized by Barron's "Top 1,000 Financial Advisors" in the Nation and recognized by Forbes as "Best-In-State Wealth Advisor" 2018, 2019, 2020, 2021, 2024.
Allan serves as Treasurer of the Athletic Association of Greenwich, Treasurer of the Old Greenwich Association, and Finance Chairman of Saint Clement Church. Past affiliations include the Investment Board of the Fairfield County Community Foundation and Treasurer of the Greenwich Scholarship Association.
2018-2021, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded April 2018, 2019, 2020, 2021 & 2024). Data compiled by SHOOK Research LLC based on time period from 6/30/16 - 6/30/17, 6/30/17 - 6/30/18, 6/30/18 - 6/30/19, 6/30/19 - 6/30/20, & 6/30/22 - 6/30/23.
2019 Barron's Top 1,000 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2019) Data compiled by Barron's based on time period from Sept 2017- Sept 2018.
Allan became a wealth manager in 1976 and made his only company change in 1980 to what was known as E.F. Hutton which, through a series of mergers, eventually became Morgan Stanley. He obtained a Certified Financial Planner designation in 1984 and a Master of Science in Financial Planning in 1997. Allan has been recognized by Barron's "Top 1,000 Financial Advisors" in the Nation and recognized by Forbes as "Best-In-State Wealth Advisor" 2018, 2019, 2020, 2021, 2024.
Allan serves as Treasurer of the Athletic Association of Greenwich, Treasurer of the Old Greenwich Association, and Finance Chairman of Saint Clement Church. Past affiliations include the Investment Board of the Fairfield County Community Foundation and Treasurer of the Greenwich Scholarship Association.
2018-2021, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded April 2018, 2019, 2020, 2021 & 2024). Data compiled by SHOOK Research LLC based on time period from 6/30/16 - 6/30/17, 6/30/17 - 6/30/18, 6/30/18 - 6/30/19, 6/30/19 - 6/30/20, & 6/30/22 - 6/30/23.
2019 Barron's Top 1,000 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2019) Data compiled by Barron's based on time period from Sept 2017- Sept 2018.
Securities Agent: HI, WA, UT, AK, WI, AZ, ME, MD, FL, DC, OH, NC, IL, CT, AL, VT, OK, MN, KS, TN, NM, CO, OR, NJ, GA, SC, PA, NV, VA, RI, NH, DE, CA, VI, TX, NY, MI, MA, IN; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 175993
NMLS#: 175993
About Brian Jay
Brian Jay is First Vice President and a Financial Advisor with the Connecticut Yankee Group at Morgan Stanley. Raised in a family deeply rooted in the financial services industry, Brian brings a lifelong passion for helping clients achieve their financial goals and navigate complex challenges through innovative and strategic planning. He works closely with clients to develop comprehensive financial plans, customized to meet their evolving needs amid ever-changing market and economic conditions. His practice emphasizes multigenerational wealth planning, with a particular focus on investment management, retirement planning, and estate strategies.
A graduate of Quinnipiac University’s Lender School of Business, Brian earned his degree with honors and remains actively involved with the university, mentoring students who are exploring careers in financial services. He holds the Series 7, 63, and 66 licenses, as well as mortgage and multiple state insurance licenses.
Brian began his career with Morgan Stanley in 2017 as a Wealth Advisor Associate, where he supported over 100 Financial Advisors during a pivotal time in the firm’s evolution of its Wealth Management platform. His efforts contributed to the modernization of tools that enhanced team-client communication, improved the delivery of information, and deepened financial planning capabilities. Prior to transitioning to his role as a Financial Advisor, Brian earned the CERTIFIED FINANCIAL PLANNER™ designation—demonstrating his expertise across key areas including financial planning, risk management, investments, tax strategy, retirement planning, employee benefits, and estate planning.
In 2019, Brian partnered with his father, Allan, forming a multigenerational advisory team rooted in shared values and professional excellence. Since then, Brian has been recognized as a member of Morgan Stanley’s Pacesetters Club, a global distinction awarded to Financial Advisors who exemplify high professional standards and a commitment to exceptional client service.
Originally from Greenwich, Connecticut, Brian now resides in the Shippan Point community of Stamford with his wife, Hailee, and their daughter, Skye. He serves as Treasurer of the Shippan Point Association, a 501(c)(3) organization dedicated to preserving the area’s natural beauty, enhancing safety, and fostering community engagement. Additionally, Brian and Hailee co-chair the New Member Committee at the Stamford Yacht Club where they enjoy spending their free time. Brian loves playing tennis, shooting sporting clays, fitness training, playing chess, and making lasting memories with his family.
A graduate of Quinnipiac University’s Lender School of Business, Brian earned his degree with honors and remains actively involved with the university, mentoring students who are exploring careers in financial services. He holds the Series 7, 63, and 66 licenses, as well as mortgage and multiple state insurance licenses.
Brian began his career with Morgan Stanley in 2017 as a Wealth Advisor Associate, where he supported over 100 Financial Advisors during a pivotal time in the firm’s evolution of its Wealth Management platform. His efforts contributed to the modernization of tools that enhanced team-client communication, improved the delivery of information, and deepened financial planning capabilities. Prior to transitioning to his role as a Financial Advisor, Brian earned the CERTIFIED FINANCIAL PLANNER™ designation—demonstrating his expertise across key areas including financial planning, risk management, investments, tax strategy, retirement planning, employee benefits, and estate planning.
In 2019, Brian partnered with his father, Allan, forming a multigenerational advisory team rooted in shared values and professional excellence. Since then, Brian has been recognized as a member of Morgan Stanley’s Pacesetters Club, a global distinction awarded to Financial Advisors who exemplify high professional standards and a commitment to exceptional client service.
Originally from Greenwich, Connecticut, Brian now resides in the Shippan Point community of Stamford with his wife, Hailee, and their daughter, Skye. He serves as Treasurer of the Shippan Point Association, a 501(c)(3) organization dedicated to preserving the area’s natural beauty, enhancing safety, and fostering community engagement. Additionally, Brian and Hailee co-chair the New Member Committee at the Stamford Yacht Club where they enjoy spending their free time. Brian loves playing tennis, shooting sporting clays, fitness training, playing chess, and making lasting memories with his family.
Securities Agent: IL, IN, KS, MA, MD, ME, MI, MN, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TX, UT, VA, VT, WI, IA, WA, AK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 1853462
NMLS#: 1853462
About Paul D Greatsinger
Paul is a Vice President and Financial Advisor at Morgan Stanley Wealth Management. He is a Certified Financial Planner, who focuses on developing customized solutions for individuals, family and institutions.
Paul joined our firm in 2006 following his retirement from the United States Marine Corps. As a Marine, he served for twenty years as an infantry officer and participated in operations in Balkans, the Middle East, the Horn of Africa and South and Central America. He continues to serve his community and is currently a member of the Board of Director of the National Exchange Club, having previously served as the President of the Connecticut District Exchange and Stamford Exchange Club. He is also on the Board of the Connecticut Veterans Legal Center and previously served on the Boards of the Fairfield Rotary Foundation and the Stamford HELP for Kids.
Paul joined our firm in 2006 following his retirement from the United States Marine Corps. As a Marine, he served for twenty years as an infantry officer and participated in operations in Balkans, the Middle East, the Horn of Africa and South and Central America. He continues to serve his community and is currently a member of the Board of Director of the National Exchange Club, having previously served as the President of the Connecticut District Exchange and Stamford Exchange Club. He is also on the Board of the Connecticut Veterans Legal Center and previously served on the Boards of the Fairfield Rotary Foundation and the Stamford HELP for Kids.
Securities Agent: ME, IL, OR, KY, IN, PA, CO, LA, NV, GA, RI, MD, VA, NY, VT, WA, WI, UT, OH, SC, NH, DE, NJ, KS, HI, NC, MO, MI, AL, AZ, MN, MA, CA, TX, CT, OK, NM, FL, ID, IA, DC, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 175903
NMLS#: 175903
About Ginny Greatsinger
Hi and thank you for taking time to learn more about me.
I'm Ginny Greatsinger and I am a Financial Advisor at Morgan Stanley. I'm part of the Connecticut Yankee Group at Morgan Stanley, a financial planning and wealth management services team with decades of experience building meaningful client relationships based on dependability, transparency, and integrity. The Connecticut Yankee Group clients are affluent individuals, multigenerational families, and businesses who want personalized service, and access to Morgan Stanley’s extensive resources to help them build, preserve, and leverage their wealth.
The group employs a comprehensive and client-centric approach to wealth management, investment management, financial planning and estate planning strategies. It all begins with a conversation where we get to know you and your world, and you get to know us and what we bring to the table. We focus on your needs, your goals and what success looks like to you. Putting the client first is one of our Firm's core values, and it's how we do business every day.
Women and Wealth
Women are increasingly the financial decision makers in a household. My mission is to help women become more confident about managing their personal and household wealth. To know the value of financial planning, retirement income planning, tax-smart investing, generational wealth transfer, insuring their wealth, and more.
I am a big believer in the power of education combined with trusted guidance to transform a woman’s mindset about investing, money, and their future. That is why I am committed to empowering women with the knowledge, tools, and support needed to help them achieve their financial goals.
Click on the Contact Me button above, or schedule a meeting. We’d love to get to know you better and see how we can help.
I'm Ginny Greatsinger and I am a Financial Advisor at Morgan Stanley. I'm part of the Connecticut Yankee Group at Morgan Stanley, a financial planning and wealth management services team with decades of experience building meaningful client relationships based on dependability, transparency, and integrity. The Connecticut Yankee Group clients are affluent individuals, multigenerational families, and businesses who want personalized service, and access to Morgan Stanley’s extensive resources to help them build, preserve, and leverage their wealth.
The group employs a comprehensive and client-centric approach to wealth management, investment management, financial planning and estate planning strategies. It all begins with a conversation where we get to know you and your world, and you get to know us and what we bring to the table. We focus on your needs, your goals and what success looks like to you. Putting the client first is one of our Firm's core values, and it's how we do business every day.
Women and Wealth
Women are increasingly the financial decision makers in a household. My mission is to help women become more confident about managing their personal and household wealth. To know the value of financial planning, retirement income planning, tax-smart investing, generational wealth transfer, insuring their wealth, and more.
I am a big believer in the power of education combined with trusted guidance to transform a woman’s mindset about investing, money, and their future. That is why I am committed to empowering women with the knowledge, tools, and support needed to help them achieve their financial goals.
Click on the Contact Me button above, or schedule a meeting. We’d love to get to know you better and see how we can help.
Securities Agent: UT, VA, OR, VT, WA, WI, AK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, IN, KS, LA, MA, MD, ME, MI, MN, NC, NH, NJ, NM, NV, NY, OH, OK, PA, RI, SC, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 1584403
NMLS#: 1584403
Contact Allan Jay
Contact Brian Jay
Contact Paul D Greatsinger
Contact Ginny Greatsinger
Wealth Management
Global Investment Office
Portfolio Insights
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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 Connecticut Yankee 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 does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other 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
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan 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.
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 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.
7The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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 does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other 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
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan 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.
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 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.
7The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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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:
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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.
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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
CRC 6491812 (04/2024)
