Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(408) 947-3717(408) 947-3717
The Copilot Group at Morgan Stanley
Our Mission Statement
To provide modern wealth management solutions clearly and concisely, empowering you to make informed decisions on all aspects of your life.
Our Story and Services
Our team focuses on the unique challenges many professionals face when navigating areas such as stock-based compensation, concentrated equity awards, high amounts of unrealized capital gains, and liquidity events. We take a thorough approach to reviewing each client’s balance sheet, ensuring that all assets are strategically aligned with their ultimate goals. Small, calculated adjustments to your financial trajectory can have an outsized impact over the long term. We prioritize getting these details right.
With an average of 18 years of experience serving the investment needs of clients, our advisors understand the challenges you face and how to address them. Backed by the global resources of Morgan Stanley, our team of five seasoned financial professionals is highly skilled at developing tailored strategies to help you articulate and achieve your goals.
We typically work with high-net-worth individuals—those with $2.5 million or more in assets—who are navigating complex financial decisions. Whether you are in the accumulation phase or preparing for distribution, our team’s expertise, combined with Morgan Stanley’s vast resources, provides a personalized approach to securing your financial future.
We look forward to discussing how we can help you achieve your specific goals.
With an average of 18 years of experience serving the investment needs of clients, our advisors understand the challenges you face and how to address them. Backed by the global resources of Morgan Stanley, our team of five seasoned financial professionals is highly skilled at developing tailored strategies to help you articulate and achieve your goals.
We typically work with high-net-worth individuals—those with $2.5 million or more in assets—who are navigating complex financial decisions. Whether you are in the accumulation phase or preparing for distribution, our team’s expertise, combined with Morgan Stanley’s vast resources, provides a personalized approach to securing your financial future.
We look forward to discussing how we can help you achieve your specific goals.
Services Include
- Professional Portfolio ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Planning for Education FundingFootnote5
- Cash Management and Lending ProductsFootnote6
- Alternative InvestmentsFootnote7
- Philanthropic ManagementFootnote8
- Donor Advised Funds
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Modern Wealth Management Tools
or years, financial advice was simply an extension of the traditional trappings and attitudes of Wall Street. But just as stock trading has become decentralized and moved to electronic networks, so too has wealth management evolved through the harnessing of technology which has improved information flow and added convenience.
I am excited to offer many of these innovative services to you through Morgan Stanley's Modern Wealth Platform. The platform offers sophisticated resources to create a total view of your wealth that aggregates your financial assets and liabilities together, even assets held with other financial providers; a goals planning system that automatically runs projections on the probability of success; as well as tools to accurately track your spending and budgeting.
Integrating these modern solutions can streamline and automate formerly arduous tasks, expand the ways we communicate and bring greater simplicity to your financial life.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
LifeView
LifeView is a suite of planning tools that creates a realistic, integrated strategy meant to incorporate aspects of an individual's financial life, including investments and cash management needs. It also provides progress-to-goals reporting which illustrate complex planning strategies.
Family Office Resources
Family Office Resources (FOR) is a helpful resource that provides specialized technical expertise to ultra-high net worth advisors and clients across a broad range of family wealth management issues.
Online Security Center
Safeguarding your assets and personal information is among our highest priorities here at the Seay Group. Learn about our extensive security measures and take advantage of our vast array of resources and ideas that are geared towards helping you stay protected on the World Wide Web.
Goals-Based Planning
Working with Morgan Stanley and its advanced wealth management technology is an ideal way to access advice and build a coherent wealth plan. Read more about the advantages of working with our unique planning technology to help reach your financial goals, whatever they may be.
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world's largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
2024 Tax Tables
This helpful resource outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Spending and Budgeting Tool
The spending and budgeting tool can automatically categorize your spending and analyze your cash flow to help you manage where your money is going across all your accounts – both at Morgan Stanley and externally.
Wealth and Estate Planning Video Series
Explore a series of educational videos covering topics such as Foundational Estate Planning Documents, Estate & Gift Taxes, Grantor Retained Annuity Trusts (GRATs), Irrevocable Life Insurance Trusts and more.
Being recognized by third-party organizations pales in comparison to the importance of being a proper steward of your capital and continually working to earn your trust. Nevertheless, I am honored that my efforts to assist my clients through the complexities of today's markets and economy have attracted attention outside my immediate circle.
Forbes Best-In-State Wealth Management Teams Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025
2020, 2021, 2022, and 2023 Forbes Best-In-State Wealth Advisors Source: Forbes.com 2020, 2021, 2022, 2023. Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2021, 2022, and 2023 Forbes America's Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com 2021, 2022, 2023. Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Forbes Best in State Financial Advisor
2020-2023 - Ryan Seay
Forbes Top Next-Gen Wealth Advisor
2021-2023 - Ryan Seay
Senior Portfolio Management Director
Ryan Seay
Education and Licensing
• Bachelors of Science, Business Marketing W.P. Carey School of Business Arizona State University • CA Insurance Lic. #OF72028 • Series 7, 31, 66
Who We Serve
We work with executives, corporate employees, affluent individuals with 500,000+ in assets and multiple generations of families who can most benefit from a disciplined approach to growing and protecting their wealth.
Executives and corporate employees typically seek our services for guidance with:
• Stock compensation plans
• Retirement account allocation and maximization strategies • Financial risk mitigation strategies
• Portfolio management services
Affluent individuals and multiple generations of families typically seek our guidance with:
• Income, distribution, and risk mitigation strategies
• Tax efficient investing
• Educational planning
• Legacy and philanthropy planning
Next generation clients typically seek our guidance with:
• Spending and budgeting
• Wealth creation plans
• General financial guidance and assistance with key decisions
Location
225 W Santa Clara St
Suite 900
San Jose, CA 95113
US
Direct:
(408) 947-2200(408) 947-2200
1333 N California Blvd
Suite 133
Walnut Creek, CA 94596
US
Direct:
(925) 939-5100(925) 939-5100
20400 Stevens Creek Blvd
Ste 350
Cupertino, CA 95014
US
Direct:
(408) 861-2080(408) 861-2080
609 Deep Valley Dr
Ste 400
Rolling Hills Est, CA 90274
US
Direct:
(310) 544-3603(310) 544-3603
Meet The Copilot Group
Nishant Shailendra
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(925) 930-3803(925) 930-3803
Phone:
(408) 947-3778(408) 947-3778
Nikesh Kadakia
First Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(310) 544-3603(310) 544-3603
Financial Advisor, Certified Private Wealth Advisor®, Certified Investment Management Analyst
Phone:
(408) 861-2080(408) 861-2080
Annie Tsan Wakayama
Wealth Management Associate
Phone:
(408) 947-3710(408) 947-3710
Aaron Hannigan
Registered Client Service Associate
Phone:
(925) 746-2972(925) 746-2972
About Ryan J. Seay
Ryan Seay’s passion for finance began with a fascination for the power of compounding, driving him to immerse himself in the world of investments. Now a Managing Director at Morgan Stanley, Ryan understands that markets can be unpredictable, and unexpected events are inevitable. However, he believes that disciplined portfolio management allows investors to navigate challenging periods and thrive during prosperous times. His approach emphasizes long-term thinking, continuous learning, and the discipline necessary for consistent success in today’s rapidly evolving financial landscape. Ryan’s experience, training, and curiosity enable him to manage portfolios with the level of sophistication required in modern markets.
Over the course of his 17-year career, Ryan has successfully combined top-tier wealth management with careful financial planning to help clients weather significant events like the 2008-2009 financial crisis and the more recent challenges brought by the Covid-19 pandemic. His strategic approach has also empowered clients to fund their children's college education, support loved ones with major purchases, acquire vacation homes, and retire with confidence. Ryan’s focus is on minimizing emotional decision-making, helping clients make informed decisions based on solid probabilities rather than instinct or fear.
Reflecting on his career, Ryan takes pride in seeing the long-term wealth creation and goal achievement he has helped clients attain. He feels privileged to work with multiple generations of families, ensuring a continuity of care that extends well into the future.
Ryan’s practice has evolved to serve successful individuals and families with a personalized, informed approach. While leveraging modern technologies and wealth management models, his steadfast commitment to building trust and delivering exceptional service remains at the core of his influence in helping clients achieve their current goals and future aspirations.
Over the course of his 17-year career, Ryan has successfully combined top-tier wealth management with careful financial planning to help clients weather significant events like the 2008-2009 financial crisis and the more recent challenges brought by the Covid-19 pandemic. His strategic approach has also empowered clients to fund their children's college education, support loved ones with major purchases, acquire vacation homes, and retire with confidence. Ryan’s focus is on minimizing emotional decision-making, helping clients make informed decisions based on solid probabilities rather than instinct or fear.
Reflecting on his career, Ryan takes pride in seeing the long-term wealth creation and goal achievement he has helped clients attain. He feels privileged to work with multiple generations of families, ensuring a continuity of care that extends well into the future.
Ryan’s practice has evolved to serve successful individuals and families with a personalized, informed approach. While leveraging modern technologies and wealth management models, his steadfast commitment to building trust and delivering exceptional service remains at the core of his influence in helping clients achieve their current goals and future aspirations.
Securities Agent: ID, FL, SC, MD, SD, OR, WA, HI, TN, NJ, KY, TX, MT, MI, AR, WI, NH, MN, ME, CT, CA, IN, IL, CO, UT, NV, NM, NC, MA, DC, AZ, NY, GA, VA, RI, PA, OH, MO, KS; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278955
NMLS#: 1278955
About Nishant Shailendra
Nishant is a Senior Vice President, Senior Portfolio Manager, Financial Advisor with Morgan Stanley’s Wealth Management division. He is based in Morgan Stanley’s office in Walnut Creek, California.
In this capacity, Nishant focuses on customized wealth management plans tailored to the needs of entrepreneurs, venture capitalists, private foundations / endowments, and privately controlled companies. As a two time founder himself, Nishant is uniquely qualified to work directly with founders to help them overcome challenges they face in building their companies. Nishant’s primary responsibilities include client management, pre-liquidity tax and estate planning strategies, and post-liquidity diversification.
Nishant earned a B.A. from UC Davis in 2003 and lives in Walnut Creek with his wife and three daughters. In his free time, Nishant enjoys cooking and playing ice hockey.
In this capacity, Nishant focuses on customized wealth management plans tailored to the needs of entrepreneurs, venture capitalists, private foundations / endowments, and privately controlled companies. As a two time founder himself, Nishant is uniquely qualified to work directly with founders to help them overcome challenges they face in building their companies. Nishant’s primary responsibilities include client management, pre-liquidity tax and estate planning strategies, and post-liquidity diversification.
Nishant earned a B.A. from UC Davis in 2003 and lives in Walnut Creek with his wife and three daughters. In his free time, Nishant enjoys cooking and playing ice hockey.
Securities Agent: PA, UT, SC, MA, AZ, ME, AR, KS, NH, OH, CT, TX, MT, MO, IN, FL, TN, DC, RI, CO, NC, NJ, WI, NM, NV, OR, SD, MI, VA, ID, OK, KY, IL, CA, GA, HI, MD, MN, NY, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 1430992
NMLS#: 1430992
About Shashi Bhagat
Drawing on 29 years of industry experience with multiple investment firms, Shashi serves her high net worth clients in all facets of wealth management, including: estate planning strategies, family wealth planning, charitable giving, and retirement planning. Shashi began her career in the financial services industry in 1995 at a local San Jose firm, Kemper Securities, and then joined Morgan Stanley in 2001.
Shashi graduated from Ravishankar University in India with a BA in Liberal Arts. She currently holds her FINRA Series 7, 31, and 63 licenses along with her CA Insurance License.
In her free time, Shashi enjoys reading, meditating, traveling, playing badminton, and spending time with her family.
Shashi graduated from Ravishankar University in India with a BA in Liberal Arts. She currently holds her FINRA Series 7, 31, and 63 licenses along with her CA Insurance License.
In her free time, Shashi enjoys reading, meditating, traveling, playing badminton, and spending time with her family.
Securities Agent: HI, OK, LA, AZ, RI, NV, NM, GA, CT, CA, WA, OH, ME, MA, DE, TN, SD, NY, NJ, MD, KS, VT, PA, OR, ID, AR, FL, SC, VA, TX, NH, KY, UT, MT, MO, MN, MI, IN, IL, CO, WV, WI, NE, DC, AL, NC, MS, IA, WY, PR, AK, VI, ND; General Securities Representative; Investment Advisor Representative
NMLS#: 1290413
CA Insurance License #: 0C17168
NMLS#: 1290413
CA Insurance License #: 0C17168
About Nikesh Kadakia
Nikesh V. Kadakia is a Portfolio Manager. Prior to joining Morgan Stanley, Nikesh was a Financial Advisor and Portfolio Manager in the Personal Investment Advisory Program for Merrill Lynch. A graduate of the University of Riverside, he has a B.S. degree with an emphasis in Finance. With 24 years of options experience, he uses strategies to both generate income and to hedge for concentrated stock and individual portfolios.
He lives in South Bay with his wife Rakhi, an identical triplet and their two teenage sons, Keshav and Rohin. Having a child (Keshav) with Autism Spectrum Disorder and ADHD, Nikesh understands the issues clients may face and the need for comprehensive planning that goes along with that.
He lives in South Bay with his wife Rakhi, an identical triplet and their two teenage sons, Keshav and Rohin. Having a child (Keshav) with Autism Spectrum Disorder and ADHD, Nikesh understands the issues clients may face and the need for comprehensive planning that goes along with that.
Securities Agent: NE, LA, ID, AL, VT, OK, MO, IN, GA, FL, CA, AZ, TN, MN, SD, MD, DE, DC, WY, VI, TX, NV, ME, KY, IL, CO, VA, NM, KS, SC, MS, MI, IA, WV, NC, CT, AK, WI, RI, NH, MA, HI, AR, PA, OR, NY, NJ, ND, MT, OH, WA, UT, PR; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 557835
NMLS#: 557835
About Lin Yan
Trained as an economist, Lin received her Ph.D. in Management Studies from University of Cambridge, UK. She then dedicated her career to academia, with over 20 publications in journals and conferences. A family relocation brought her 'across the pond’ to the Bay Area, where her interest in problem-solving led to a new chapter in wealth management.
Lin brings the same academic rigor and methodical approach to help clients define and work toward achieving financial and life goals. In particular, she focuses on concentrated stock position strategies, alternative investments, and ESG Investing.
In her spare time, she plays an active role in her communities, serves as the Regional Alumni Representative for her Alma Mater, and volunteers at Humane Society Silicon Valley.
She enjoys volleyball, tennis, swimming, and James Bond movies.
Lin brings the same academic rigor and methodical approach to help clients define and work toward achieving financial and life goals. In particular, she focuses on concentrated stock position strategies, alternative investments, and ESG Investing.
In her spare time, she plays an active role in her communities, serves as the Regional Alumni Representative for her Alma Mater, and volunteers at Humane Society Silicon Valley.
She enjoys volleyball, tennis, swimming, and James Bond movies.
Securities Agent: MD, KY, DC, PA, SC, ME, MA, IL, HI, CO, UT, VA, NV, MO, MN, AZ, WI, TX, NJ, IN, NC, MI, GA, CT, TN, OR, NY, SD, MT, CA, AR, ID, FL, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 1767886
NMLS#: 1767886
About Annie Tsan Wakayama
Annie Wakayama started in the financial services industry at Mone Security in San Francisco in 1994, and has spent the majority of her financial services career at Morgan Stanley. Having held several Operations positions over her 25+ year span with the organization, Annie currently manages the day-to-day operations for her the Copilot Group, partnering with them to provide a white glove level of client service that continues to successfully support their ongoing business growth, while seamlessly and efficiently processing all aspects of their clients’ needs. She holds an active Series 7, 66, and 31 license.
Annie resides in Fremont, CA with her husband, and has two grown children. She enjoys yoga, traveling, and exploring new restaurants with her husband, family and friends.
Annie resides in Fremont, CA with her husband, and has two grown children. She enjoys yoga, traveling, and exploring new restaurants with her husband, family and friends.
About Aaron Hannigan
Aaron began his career in the financial services industry in 2021 and joined Morgan Stanley in January 2022. His primary focus with The Copilot Group will be client outreach and engagement. Aaron attended California State University, East Bay where he majored in Kinesiology while playing on the baseball team. He began his professional career in the fitness industry as a personal trainer and transitioned into a sports marketing and sales role with a prominent sports supplement and beverage company.
A native to the Bay Area, Aaron was born and raised in Walnut Creek and currently lives in Martinez with his wife, son, and dog. In his free time, he enjoys spending time with his family, playing beach volleyball, and staying active with outdoor activities.
A native to the Bay Area, Aaron was born and raised in Walnut Creek and currently lives in Martinez with his wife, son, and dog. In his free time, he enjoys spending time with his family, playing beach volleyball, and staying active with outdoor activities.
Contact Ryan J. Seay
Contact Nishant Shailendra
Contact Shashi Bhagat
Contact Nikesh Kadakia
Contact Lin Yan
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
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 Copilot Group today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan Stanley 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
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Products 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.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan Stanley 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
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Products 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.
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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.
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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)
