Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(415) 984-6901(415) 984-6901
The Cooper Network at Morgan Stanley
Direct:
(415) 984-6500(415) 984-6500
Toll-Free:
(800) 289-9060(800) 289-9060
Our Mission Statement
Precision isn’t optional. That’s why we bring decades of institutional experience to every decision, helping you navigate complexity and protect wealth for decades to come.
The Cooper Network
You’ve built a career, a company, a life on your terms.
Now the next chapter is about control — not chance.
At The Cooper Network, we combine Wall Street rigor with a Bay Area mindset to help you turn momentum into longevity. Whether that means planning for a tax-efficient retirement after decades with one company or managing the complexities of a recent liquidity event, we bring the structure, analysis, and strategy to help you move decisively through life’s every stage.
Driven by Data. Built on Trust.
Since 1981, our team has helped clients see their full financial picture clearly across decades and generations. What began in San Francisco as a retirement planning practice for industry professionals has evolved into a full-service wealth management team serving families, executives, and entrepreneurs across the country.
Forged in institutional environments, our foundation is analytical. We’re the kind of people who grew up studying stats and box scores, drawn to patterns and performance. That same mindset shapes how we approach the markets today: as lifelong learners who thrive on research, modeling, and market data.
However, the reason our clients stay with us across generations goes beyond performance — beyond our background in derivative and option-based techniques, or any single market move, pension rollover, or equity award strategy. It’s about the human dimension, the qualitative care and commitment that shapes every decision we guide and every relationship we build.
For a second opinion about your current investments, or to talk about your goals, please call us at (415) 984-6500.
Now the next chapter is about control — not chance.
At The Cooper Network, we combine Wall Street rigor with a Bay Area mindset to help you turn momentum into longevity. Whether that means planning for a tax-efficient retirement after decades with one company or managing the complexities of a recent liquidity event, we bring the structure, analysis, and strategy to help you move decisively through life’s every stage.
Driven by Data. Built on Trust.
Since 1981, our team has helped clients see their full financial picture clearly across decades and generations. What began in San Francisco as a retirement planning practice for industry professionals has evolved into a full-service wealth management team serving families, executives, and entrepreneurs across the country.
Forged in institutional environments, our foundation is analytical. We’re the kind of people who grew up studying stats and box scores, drawn to patterns and performance. That same mindset shapes how we approach the markets today: as lifelong learners who thrive on research, modeling, and market data.
However, the reason our clients stay with us across generations goes beyond performance — beyond our background in derivative and option-based techniques, or any single market move, pension rollover, or equity award strategy. It’s about the human dimension, the qualitative care and commitment that shapes every decision we guide and every relationship we build.
For a second opinion about your current investments, or to talk about your goals, please call us at (415) 984-6500.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Asset Management
- Professional Portfolio ManagementFootnote3
- Executive Financial ServicesFootnote4
- Stock Option PlansFootnote5
- Qualified Retirement PlansFootnote6
- Planning for Education FundingFootnote7
- Business Succession PlanningFootnote8
- Cash Management and Lending ProductsFootnote9
- Estate Planning StrategiesFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Location
555 California St 35th
Floor
San Francisco, CA 94104
US
Direct:
(415) 984-6500(415) 984-6500
Toll-Free:
(800) 289-9060(800) 289-9060
Meet The Cooper Network
George W Kline, CMT
Executive Director, Financial Advisor, Senior Portfolio Management Director
Roger Barlow, CFP®*
Wealth Management Associate
Nicholas McCambridge
Registered Service Associate
Phone:
(415) 984-6085(415) 984-6085
Michael Maul
Senior Registered Service Associate, Financial Planning Specialist
Phone:
(415) 984-6525(415) 984-6525
About Andrew "Chip" Cooper
Chip has been serving uncommonly successful professionals since 2004 and has been recognized as a member of Morgan Stanley’s President’s Council and Chairman’s Council. Chip has literally grown up in the financial services business as one of his first memories was attending a client event as a child with his father, uncle, and aunt who ran a successful financial services team.
He holds the Certified Portfolio Manager (CPM®) designation, achieved after completing a rigorous program designed to advance an advisor’s knowledge in three vital areas: valuation analysis, portfolio construction and risk management. Chip is also a, Financial Planning Specialist, and a Portfolio Management Director. He holds a B.S. in Finance from the AB Freeman School of Business, Tulane University.
Chip and his wife, who also works for Morgan Stanley, have two children. He is a statistics fanatic, avid baseball fan, physical fitness enthusiast, and golfer.
He holds the Certified Portfolio Manager (CPM®) designation, achieved after completing a rigorous program designed to advance an advisor’s knowledge in three vital areas: valuation analysis, portfolio construction and risk management. Chip is also a, Financial Planning Specialist, and a Portfolio Management Director. He holds a B.S. in Finance from the AB Freeman School of Business, Tulane University.
Chip and his wife, who also works for Morgan Stanley, have two children. He is a statistics fanatic, avid baseball fan, physical fitness enthusiast, and golfer.
Securities Agent: OR, WA, IL, GA, AL, VT, RI, IN, AK, SC, OK, OH, ID, CO, NV, NC, KY, NM, MD, IA, CT, CA, AZ, TX, TN, LA, DE, WI, VA, NJ, MO, MN, WY, UT, KS, SD, NY, MA, HI, FL, DC, PA, MT, MS, MI, AR; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1270239
CA Insurance License #: 0H08829
NMLS#: 1270239
CA Insurance License #: 0H08829
About George W Kline
George’s affinity for statistics and numbers led him to a career in financial services. He began his career as an associate at Barclays Global Investors (now BlackRock) before joining the team at Morgan Stanley in 2001. Today, George works with clients to provide solutions to all aspects of their wealth management needs.
George is a Senior Portfolio Manager, and holds the Chartered Market Technician (CMT) certification.
George is a graduate of Lewis & Clark College in Portland, OR. He was a director on the Lewis & Clark College Board of Alumni and was the Finance Committee Chair. He also serves on the Investment Committee for the endowment of Westover School in Middlebury, CT.
George lives in Menlo Park, CA. He is a physical fitness enthusiast, and in his free time, he likes to read, ski, fly fish, and coach his children’s sports teams. George is actively involved with a number of charitable and volunteer organizations in his community.
George is a Senior Portfolio Manager, and holds the Chartered Market Technician (CMT) certification.
George is a graduate of Lewis & Clark College in Portland, OR. He was a director on the Lewis & Clark College Board of Alumni and was the Finance Committee Chair. He also serves on the Investment Committee for the endowment of Westover School in Middlebury, CT.
George lives in Menlo Park, CA. He is a physical fitness enthusiast, and in his free time, he likes to read, ski, fly fish, and coach his children’s sports teams. George is actively involved with a number of charitable and volunteer organizations in his community.
Securities Agent: GA, TN, MN, IN, UT, SC, NH, AR, AK, VA, NY, NV, CO, DE, MS, MO, VT, SD, MT, KS, ID, CA, AL, WI, PA, NM, MA, FL, KY, OH, NJ, TX, MD, IA, WY, NC, IL, AZ, WA, MI, DC, CT, OR, OK, LA, HI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1401664
CA Insurance License #: 0M11261
NMLS#: 1401664
CA Insurance License #: 0M11261
About Roger Barlow
Roger is often the first point of contact with clients as he assists with account management and financial planning for clients.
From a diverse background that includes working in the US Attorneys Office assisting with criminal prosecutions, Roger has put his planning and research skills to work in a different way for clients of The Cooper Network at Morgan Stanley.
Roger holds the CERTIFIED FINANCIAL PLANNER (CFP®) designation after completing coursework at the American College in Bryn Mawr, PA. He has also taken graduate-level tax courses at Golden Gate University. Roger holds a Bachelors degree from University of Oregon (with honors) and attended law school at Boston University.
Roger is an Oregon native, is an avid reader, and he enjoys classical music.
Phone: (415)984-6676
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP(R), CERTIFIED FINANCIAL PLANNER(tm) 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.
*Disclaimer: This role cannot solicit or provide investment advice
From a diverse background that includes working in the US Attorneys Office assisting with criminal prosecutions, Roger has put his planning and research skills to work in a different way for clients of The Cooper Network at Morgan Stanley.
Roger holds the CERTIFIED FINANCIAL PLANNER (CFP®) designation after completing coursework at the American College in Bryn Mawr, PA. He has also taken graduate-level tax courses at Golden Gate University. Roger holds a Bachelors degree from University of Oregon (with honors) and attended law school at Boston University.
Roger is an Oregon native, is an avid reader, and he enjoys classical music.
Phone: (415)984-6676
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP(R), CERTIFIED FINANCIAL PLANNER(tm) 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.
*Disclaimer: This role cannot solicit or provide investment advice
About Nicholas McCambridge
Nicholas is typically behind the scenes, identifying investment opportunities as the trader and analyst for the team.
He started his career as a Financial Advisor with Equitable. After transitioning to more of a Portfolio Management role, Nicholas joined The Cooper Network in 2023.
Nicholas was born and raised in the Bay Area and attended the University of Oregon where he earned a degree in Finance with a minor in Economics. He has always had a love for the capital markets, and that passion for finance and helping others is what led him to the industry.
Nicholas grew up in a competitive, sports driven family. You can find him in his spare time golfing, in the gym, spending time with family & friends or getting better at his craft.
He started his career as a Financial Advisor with Equitable. After transitioning to more of a Portfolio Management role, Nicholas joined The Cooper Network in 2023.
Nicholas was born and raised in the Bay Area and attended the University of Oregon where he earned a degree in Finance with a minor in Economics. He has always had a love for the capital markets, and that passion for finance and helping others is what led him to the industry.
Nicholas grew up in a competitive, sports driven family. You can find him in his spare time golfing, in the gym, spending time with family & friends or getting better at his craft.
CA Insurance License #: 4224383
About Michael Maul
Michael joined Morgan Stanley in 2021 and is a Registered Service Associate. In 2024, he joined The Cooper Network where he is responsible for producing performance reports, streamlining operations, and offering professional support to clients. Michael prides himself on strong client service skills through the blend of old-school grit and efficient communication.
Michael is a Bay Area native, raised in the town of Danville and attended San Ramon Valley High School. Most of his weekends were spent playing competitive soccer and traveling all across California. He continued playing soccer into college and moved to the central coast to attend California State, Monterey Bay, where he graduated with a Bachelor's Degree in Business Administration focusing in Marketing.
Outside of work, Michael enjoys supporting local sport teams, hiking, snowboarding, and seeing live concerts.
Michael is a Bay Area native, raised in the town of Danville and attended San Ramon Valley High School. Most of his weekends were spent playing competitive soccer and traveling all across California. He continued playing soccer into college and moved to the central coast to attend California State, Monterey Bay, where he graduated with a Bachelor's Degree in Business Administration focusing in Marketing.
Outside of work, Michael enjoys supporting local sport teams, hiking, snowboarding, and seeing live concerts.
Contact Andrew "Chip" Cooper
Contact George W Kline
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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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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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
Rational Investing in an Age of Uncertainty
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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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Ready to start a conversation? Contact The Cooper Network today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
5Morgan 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.
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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8Morgan 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.
9Morgan 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
10Morgan 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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
5Morgan 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.
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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8Morgan 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.
9Morgan 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
10Morgan 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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
CRC 4665150 (8/2025)
