

The Conscious Wealth Management Group at Morgan Stanley
Noel Pacarro Brown, CIMA®, CPWA®Michael Laconsay, CRPC®Lindsay Mist, CFP®Darren J. Agena, CFP®Claire K.I. Miyasato, CFP®
Direct:
(808) 525-6922(808) 525-6922
Direct:
(415) 955-1656(415) 955-1656

Our Mission Statement
Working to help you align your wealth with your values.
Welcome
For over 40 years our team has worked with clients, providing advice at every stage of life. We most frequently work with families, early employees, non-profit foundations, and founders. Together with our clients we identify goals, resources, and core values – all of which are integrated into customized strategies for saving and investing, asset preservation, and estate and tax planning.
With Hawaii roots, and clients across the country, our practice has expanded to include hubs in both Honolulu and San Francisco.
Learn more about our capabilities and why we choose Morgan Stanley below!
With Hawaii roots, and clients across the country, our practice has expanded to include hubs in both Honolulu and San Francisco.
Learn more about our capabilities and why we choose Morgan Stanley below!
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Location
733 Bishop Street
Suite 2800
Honolulu, HI 96813
US
Direct:
(808) 525-6922(808) 525-6922
555 California Street
San Francisco, CA 94104
US
Direct:
(415) 955-1656(415) 955-1656
Meet The Conscious Wealth Management Group
About Noel Pacarro Brown
Noel Pacarro Brown joined Morgan Stanley in 2007, as the lead of The Conscious Wealth Management Group at Morgan Stanley, a team founded by her mother, Gwen Pacarro over 40 years ago. Noel works with families, foundations, and founders to help advance their mission and vision through thoughtful planning and investments. She is recognized by her firm as an Investing with Impact Director, Family Wealth Director, and Senior Investment Management Consultant.
As an Investing with Impact Director, she develops portfolios designed to help achieve both financial and impact goals, aligned with values defined by her clients. As a Family Wealth Director, she has an extensive background in advanced tax management and estate planning strategies, to help families to structure their wealth effectively with the goal of leaving intentional and lasting legacies. As a Senior Investment Management Consultant, Noel works with Morgan Stanley’s Outsourced Chief Investment Officer (OCIO) team to manage large institutional clients who seek to align their investments with the mission of their organization. Noel works with clients across a spectrum of causes including: the advocacy of women, reproductive justice, climate justice, social justice, environmental rights, and indigenous rights.
Noel serves on the board for the Investment & Wealth Institute® (formerly IMCA®); a global professional association, advanced education provider, and standards body for financial advisors, investment consultants, and wealth managers who embrace excellence and ethics. Noel also serves on the board of the Women’s Funding Network, whose mission is to provide strategies, research, and resources that support the critical agency and influence of women’s foundations and gender justice funders in the movement for equality, justice, and power for all.
Noel grew up on Oahu and graduated from Punahou School. She attended Wellesley College before graduating with Honors from Brown University, and her Masters in Teaching from Pacific University. Noel spends her free time with her husband Cameron, their two children, and two dogs.
The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters.
Morgan Stanley Smith Barney LLC. Member SIPC.
As an Investing with Impact Director, she develops portfolios designed to help achieve both financial and impact goals, aligned with values defined by her clients. As a Family Wealth Director, she has an extensive background in advanced tax management and estate planning strategies, to help families to structure their wealth effectively with the goal of leaving intentional and lasting legacies. As a Senior Investment Management Consultant, Noel works with Morgan Stanley’s Outsourced Chief Investment Officer (OCIO) team to manage large institutional clients who seek to align their investments with the mission of their organization. Noel works with clients across a spectrum of causes including: the advocacy of women, reproductive justice, climate justice, social justice, environmental rights, and indigenous rights.
Noel serves on the board for the Investment & Wealth Institute® (formerly IMCA®); a global professional association, advanced education provider, and standards body for financial advisors, investment consultants, and wealth managers who embrace excellence and ethics. Noel also serves on the board of the Women’s Funding Network, whose mission is to provide strategies, research, and resources that support the critical agency and influence of women’s foundations and gender justice funders in the movement for equality, justice, and power for all.
Noel grew up on Oahu and graduated from Punahou School. She attended Wellesley College before graduating with Honors from Brown University, and her Masters in Teaching from Pacific University. Noel spends her free time with her husband Cameron, their two children, and two dogs.
The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters.
Morgan Stanley Smith Barney LLC. Member SIPC.
Securities Agent: PA, CA, DE, TX, OH, NM, IL, DC, WY, VA, CT, AR, NV, MD, MA, KS, CO, IA, AL, HI, VT, TN, SC, MN, FL, ME, GA, AZ, OR, MI, WA, UT, NY, NC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1285127
CA Insurance License #: 4223075
NMLS#: 1285127
CA Insurance License #: 4223075
About Michael Laconsay
Michael has been with The Conscious Wealth Management Group (formerly The Pacarro Group) for more than 15 years, and has been in the Financial Services Industry for over 20 years.
As a Chartered Retirement Planning Counselor, Michael guides client’s through the entire retirement planning process, including meeting multiple financial objectives, sources of retirement income, personal savings, employer-sponsored retirement plans, income taxes, retirement cash flow, and asset management.
Michael is especially passionate about helping clients and their families navigate the aging process, and combines both his personal and professional experience when advising clients about this stage of life.
Outside of the office, Michael cherishes time with his family. He is involved with the Lions Club, and the National Federation of the Blind.
As a Chartered Retirement Planning Counselor, Michael guides client’s through the entire retirement planning process, including meeting multiple financial objectives, sources of retirement income, personal savings, employer-sponsored retirement plans, income taxes, retirement cash flow, and asset management.
Michael is especially passionate about helping clients and their families navigate the aging process, and combines both his personal and professional experience when advising clients about this stage of life.
Outside of the office, Michael cherishes time with his family. He is involved with the Lions Club, and the National Federation of the Blind.
Securities Agent: SC, AZ, UT, MI, GA, ME, CO, CA, VT, FL, AR, OR, OH, KS, NY, IL, WA, PA, NV, DE, TX, MN, MD, AL, DC, NM, NE, CT, WY, VA, NJ, NC, HI; General Securities Principal; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288181
CA Insurance License #: 0A72749
NMLS#: 1288181
CA Insurance License #: 0A72749
About Lindsay Mist
Lindsay Mist is a Vice President, Financial Advisor with over 15 years of experience. Born and raised in Honolulu, she began her career in 2008 as a Client Service Associate, and became a Financial Advisor in 2012. In 2013 Lindsay achieved her CERTIFIED FINANCIAL PLANNER™ designation, representing her knowledge in areas of financial planning, tax, insurance, estate planning, and retirement saving. In 2023 Lindsay earned her Investing with Impact Director title, awarded to select advisors with Morgan Stanley who demonstrate advanced experience and leadership in working with clients focused on aligning their impact and financial goals.
In addition to advising clients, Lindsay serves as the hub for many aspects of the team’s operations. Educating clients about behavioral finance, planning for life milestones, and seeing clients achieve their goals are what Lindsay enjoys most about her work.
Lindsay is a graduate of Iolani School, and UC Irvine where she rowed Crew. Outside of the office, Lindsay serves on the boards of The Kapi’olani Sex Abuse Treatment Center, and Goodwill Industries Hawaii. She enjoys time outside with her husband, two children, and their dog.
In addition to advising clients, Lindsay serves as the hub for many aspects of the team’s operations. Educating clients about behavioral finance, planning for life milestones, and seeing clients achieve their goals are what Lindsay enjoys most about her work.
Lindsay is a graduate of Iolani School, and UC Irvine where she rowed Crew. Outside of the office, Lindsay serves on the boards of The Kapi’olani Sex Abuse Treatment Center, and Goodwill Industries Hawaii. She enjoys time outside with her husband, two children, and their dog.
Securities Agent: KS, WY, MD, AL, CT, MI, HI, UT, NY, DC, AR, NV, IL, FL, CO, AZ, WA, NM, IA, CA, VA, TX, OH, MN, DE, SC, PA, OR, GA, ME; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1301183
CA Insurance License #: 0K32358
NMLS#: 1301183
CA Insurance License #: 0K32358
About Darren J. Agena
Darren began his career at a large Hawaii based financial institution in 2011, and joined Morgan Stanley in 2016. As a CERTIFIED FINANCIAL PLANNER™, his primary responsibilities are to support the team’s financial planning efforts, and client relationship management in addition to working with his primary clients. Darren has been named to the Firm's Pacesetter's Club in years 2020, 2021, 2022, 2023 & 2024, which were all the years he was eligible. This is a global recognition program for Financial Advisors who, early in their career, have demonstrated the highest professional standards.
Darren holds an MBA from Chaminade University, BBA in finance from the University of Hawaii at Manoa.
Outside of the office, Darren is either on the board or an active member of Aloha United Way – Society of Young Leaders, Chamber of Commerce Hawaii, & Rotary E-Club. In his free time, he enjoys spending time with his wife, daughter, and their cat son. He also is a car enthusiast and enjoys connecting with people who share the same passion.
Darren holds an MBA from Chaminade University, BBA in finance from the University of Hawaii at Manoa.
Outside of the office, Darren is either on the board or an active member of Aloha United Way – Society of Young Leaders, Chamber of Commerce Hawaii, & Rotary E-Club. In his free time, he enjoys spending time with his wife, daughter, and their cat son. He also is a car enthusiast and enjoys connecting with people who share the same passion.
Securities Agent: OK, OH, ME, WY, SC, PA, MI, IL, HI, GA, CO, NV, NM, MD, DC, OR, NY, AZ, WA, TX, UT, CA, VA, FL, DE, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 1889143
CA Insurance License #: 4104681
NMLS#: 1889143
CA Insurance License #: 4104681
About Claire K.I. Miyasato
Claire Miyasato’ s path to becoming a Financial Advisor is not as straightforward as others and enriching experiences along the way have helped to shape her current practice. She began her career as a Speech Language Pathologist in the medical world, where listening and communicating effectively with adult patients were essential. She honed these skills and transitioned into working as a consultant for healthcare organizations on the mainland. This work allowed her to gain an understanding of the complexity of organizations, develop business acumen, and advise companies on matters both large and small in improving their bottom line.
Equally impactful, Claire’s longstanding roots in Hawaii and family values have shaped her career and service to the Maui community. She was born and raised in Hilo on the Big Island, where her family has lived for generations. Since starting as a Financial Advisor at Morgan Stanley in 2005, Claire’s wealth management practice has been inspired by the Hawaiian word kūpono, which means “to be upright, honest and fair” with her clients and business associates.
As a Financial Advisor, Claire sees herself as a sounding board for clients, leveraging experience as both a listener and a guide. She is committed to advising her clients’ decision-making based on their values and what is most important to them. Her process focuses primarily on planning – she helps clients to establish a plan for their financial futures and to anticipate what might occur along the way. Claire hopes to support clients in their pursuit of a fulfilling life, whether it be educating the next generation, engaging with the community, taking up hobbies, or checking off their bucket list.
Claire is a member of The Association of Professional Investment Consultants (APIC). APIC is the organization in which focused advisors connect, collaborate, and share best practices to help enhance the service delivered to their clients and grow their businesses. APIC is a group of highly qualified professionals, with diverse practices, personally and professionally committed to a process of continuous learning and growth.
Outside of work, Claire has been an advocate for underserved women and children through volunteering efforts and financial support. Going forward, being passionate about island workforce development diversification, she hopes to enhance the education and resources available for island students. Claire has called Maui her home for over 20 years – she raised her daughter on the island, who is now a medical student, with her husband, Lee, a physician. Her favorite activities include scenic hiking, experimenting with plant-based recipes, and traveling to learn more about the culture and history of different countries.
Education
• M.S. University of Washington, Seattle, WA
• M.B.A. University of Hawaii-Manoa, Honolulu, HI
• B.S. University of Hawaii-Manoa, Honolulu, HI
• Hilo High School, Hilo, HI
• CFP UCLA Extension
Equally impactful, Claire’s longstanding roots in Hawaii and family values have shaped her career and service to the Maui community. She was born and raised in Hilo on the Big Island, where her family has lived for generations. Since starting as a Financial Advisor at Morgan Stanley in 2005, Claire’s wealth management practice has been inspired by the Hawaiian word kūpono, which means “to be upright, honest and fair” with her clients and business associates.
As a Financial Advisor, Claire sees herself as a sounding board for clients, leveraging experience as both a listener and a guide. She is committed to advising her clients’ decision-making based on their values and what is most important to them. Her process focuses primarily on planning – she helps clients to establish a plan for their financial futures and to anticipate what might occur along the way. Claire hopes to support clients in their pursuit of a fulfilling life, whether it be educating the next generation, engaging with the community, taking up hobbies, or checking off their bucket list.
Claire is a member of The Association of Professional Investment Consultants (APIC). APIC is the organization in which focused advisors connect, collaborate, and share best practices to help enhance the service delivered to their clients and grow their businesses. APIC is a group of highly qualified professionals, with diverse practices, personally and professionally committed to a process of continuous learning and growth.
Outside of work, Claire has been an advocate for underserved women and children through volunteering efforts and financial support. Going forward, being passionate about island workforce development diversification, she hopes to enhance the education and resources available for island students. Claire has called Maui her home for over 20 years – she raised her daughter on the island, who is now a medical student, with her husband, Lee, a physician. Her favorite activities include scenic hiking, experimenting with plant-based recipes, and traveling to learn more about the culture and history of different countries.
Education
• M.S. University of Washington, Seattle, WA
• M.B.A. University of Hawaii-Manoa, Honolulu, HI
• B.S. University of Hawaii-Manoa, Honolulu, HI
• Hilo High School, Hilo, HI
• CFP UCLA Extension
Securities Agent: NV, MA, IL, HI, WA, MI, OH, AZ, AR, CA, NM, TX, OR, ME, GA, DE, DC, WY, VA, PA, SC, NY, MD, FL, CO; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1293899
CA Insurance License #: 4072490
NMLS#: 1293899
CA Insurance License #: 4072490
About Marissa Small-Towns
Marissa joined Morgan Stanley in 2021 and is based in our Honolulu, Hawaii office. As a Client Service Associate Marissa helps clients with transactions, account maintenance, scheduling, and servicing. She enjoys building relationships with clients, and is currently working toward her Series 7 and Series 66 designations.
After attending The College of Charleston in South Carolina where she ran track and cross-country, Marissa moved out to Hawaii with her now husband. She now inspires other young runners as a coach for Mid-Pacific Institute. Marissa also enjoys traveling with her husband, and playing with their dogs.
After attending The College of Charleston in South Carolina where she ran track and cross-country, Marissa moved out to Hawaii with her now husband. She now inspires other young runners as a coach for Mid-Pacific Institute. Marissa also enjoys traveling with her husband, and playing with their dogs.
About Mathew Davis
Born and raised in Maui, right in Kahului, Matt knew he wanted to experience life off the islands, so after graduating high school he moved to Colorado. There Matt received his Bachelor’s degree in Business, with an emphasis in Sports Management and Marketing, from University of Colorado (CU) Denver. He then began his career in sports working for the Colorado Rockies (pro baseball team) as a field guard, “protecting big assets,” and then with the Denver Nuggets (pro basketball team) in the box office. Matt went on to work for Nike, where he developed business relationship skills, as well as honed abilities in customer service. From these experiences, he knew he wanted to continue being in the business of helping people.
Matt relocated back to Maui in 2017 to be with family, and to apply his profile to the financial services industry. Afterall, math was his best subject, and he was particularly interested in trying to help clients feel confident about managing their money and reaching their financial goals. From the onset of being back on the island, Matt joined Claire Miyasato’s practice in wealth management, striving daily to help clients receive a great service experience, especially in this new digital world we live in.
While not working, Matt enjoys watching sports, playing a round of golf, and hanging out with family and friends. You can often find him playing basketball at the Kahului Park outdoor courts.
Matt relocated back to Maui in 2017 to be with family, and to apply his profile to the financial services industry. Afterall, math was his best subject, and he was particularly interested in trying to help clients feel confident about managing their money and reaching their financial goals. From the onset of being back on the island, Matt joined Claire Miyasato’s practice in wealth management, striving daily to help clients receive a great service experience, especially in this new digital world we live in.
While not working, Matt enjoys watching sports, playing a round of golf, and hanging out with family and friends. You can often find him playing basketball at the Kahului Park outdoor courts.

Contact Noel Pacarro Brown

Contact Michael Laconsay

Contact Lindsay Mist

Contact Darren J. Agena

Contact Claire K.I. Miyasato
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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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2The 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.
3Morgan 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.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2The 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.
3Morgan 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.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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.
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
CRC 6491812 (04/2024)