Steven M. Coplin
Executive Director, Financial Advisor, Family Wealth Director, Portfolio Manager, Insurance Planning Director, Workplace Advisor - Equity Compensation
Phone:
(239) 449-7847(239) 449-7847
The Coplin Wealth Management Group at Morgan Stanley
Direct:
(239) 449-7849(239) 449-7849
Toll-Free:
(800) 237-8686(800) 237-8686
Our Mission Statement
Understanding the unique needs of high net worth clients like you
Family Wealth Directors
The Coplin Wealth Management Group at Morgan Stanley is a boutique financial advisory team that acts as a family office for ultra-high net worth clients. It focuses on delivering personalized answers for complex financial situations that often come with sizeable estates. Through holistic financial planning, exceptional client service, and customized investment strategies, the team strives to provide each client with an optimal wealth management experience.
As a multi-skilled team, they offer a full range of services including life insurance, estate planning strategies, 401K, endowment, employee stock options management, tax-efficient investment solutions and customized traditional asset allocation-based portfolios. Its nimble, widespread talent base also has a depth of experience in private equity and hedge funds. In constructing tailor-made portfolios, the team draws upon the full breadth of the Morgan Stanley tools and resources to provide clients with solutions to meet their investment and estate planning objectives.
The Coplin Wealth Management Group is the only Morgan Stanley group in Southwest Florida to be exclusively comprised of two CERTIFIED FINANCIAL PLANNER™ professionals, two Portfolio Managers, one Insurance Planning Director, and one Family Wealth Director. With the assistance of an experienced and licensed Group Director, Ashley, and a Client Service Associate, Michell, the group provides each client with outstanding day-to-day service and care.
In managing client’s portfolios, The Coplin Wealth Management Group at Morgan Stanley lives by the motto “it is not just about what you earn, but what you keep that matters” and emphasizes the importance of tax efficiency and net returns.
As a multi-skilled team, they offer a full range of services including life insurance, estate planning strategies, 401K, endowment, employee stock options management, tax-efficient investment solutions and customized traditional asset allocation-based portfolios. Its nimble, widespread talent base also has a depth of experience in private equity and hedge funds. In constructing tailor-made portfolios, the team draws upon the full breadth of the Morgan Stanley tools and resources to provide clients with solutions to meet their investment and estate planning objectives.
The Coplin Wealth Management Group is the only Morgan Stanley group in Southwest Florida to be exclusively comprised of two CERTIFIED FINANCIAL PLANNER™ professionals, two Portfolio Managers, one Insurance Planning Director, and one Family Wealth Director. With the assistance of an experienced and licensed Group Director, Ashley, and a Client Service Associate, Michell, the group provides each client with outstanding day-to-day service and care.
In managing client’s portfolios, The Coplin Wealth Management Group at Morgan Stanley lives by the motto “it is not just about what you earn, but what you keep that matters” and emphasizes the importance of tax efficiency and net returns.
Services Include
- Wealth ManagementFootnote1
- Endowments and FoundationsFootnote2
- Estate Planning StrategiesFootnote3
- Executive Financial ServicesFootnote4
- Lending Products
- Life InsuranceFootnote5
- Long Term Care InsuranceFootnote6
- Professional Portfolio ManagementFootnote7
- Alternative InvestmentsFootnote8
- AnnuitiesFootnote9
- Exchange Traded FundsFootnote10
- Fixed IncomeFootnote11
- Philanthropic Services
- Trust AccountsFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Awards & In The Press
Forbes Best-In-State Wealth Management Teams
From 2023-2025, The Coplin Wealth Management Group made it on the Forbes list as one of the Best-In-State Wealth Management Teams.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
[Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23. (https://www.morganstanley.com/disclosures/awards-disclosure/)]
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
[Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23. (https://www.morganstanley.com/disclosures/awards-disclosure/)]
Best-In-State Wealth Advisors
From 2021-2023, Steven Coplin was named to the Forbes Best-In-State Wealth Advisors for Florida
2021-2023: Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2021-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2021-2023: Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2021-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Morgan Stanley's Master's Club
In 2021-2025, Steven Coplin was appointed to Morgan Stanley’s prestigious Master’s Club, a select group of the Firms successful advisors.
Morgan Stanley's Pacesetter's Club
In 2022, Lynette Susi was appointed to Morgan Stanley’s prestigious Pacesetter’s Club, a select group of the Firms successful advisors
Morgan Stanley's President's Club
In 2014, Steven was appointed to Morgan Stanley’s prestigious President’s Club, a select group of the Firms successful advisors
Barron Magazine’s Top 1,000 Financial Advisors in the Country
In 2010, Steven Coplin was named to the Barron Magazine’s Top 1,000 Financial Advisors in the Country
Barron's Top 1,000 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Feb 2010) Data compiled by Barron's based on time period from Sept 2008 - Sept 2009.
Barron's Top 1,000 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Feb 2010) Data compiled by Barron's based on time period from Sept 2008 - Sept 2009.
We support the following organizations:
Steven Coplin:
-Naples Senior Center – Former Board Member
Caroline Coplin:
-Naples Woman’s Club – Member
-Rotary Club of Naples Bay – Former Honorary Member
-Rotary Club of Naples Bay – Former Honorary Member
Lynette Susi:
-Collier County Domestic Animal Shelter – Volunteer
Ashley Gegenwarth
-Big Brothers Big Sisters of the Sun Coast - Volunteer
Insights & Resources:
The Coplin Wealth Management Group is committed to providing both prospects & clients the latest insight and resources available to be better informed in the current marketplace. The most current content available includes:
Profiles of Distinction
The Coplin Wealth Management Group at Morgan Stanley's Profiles of Distinction.
Click here to view
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Click here for the most recent “GIC Weekly” Report
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.
Learn More About MSO
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Click Here for the Most Recent “On the Markets” Report
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security CenterLocation
8889 Pelican Bay Blvd
Ste 300
Naples, FL 34108
US
Direct:
(239) 449-7849(239) 449-7849
Toll-Free:
(800) 237-8686(800) 237-8686
Meet The Coplin Wealth Management Group
Ryan M. Sherman, CFP®, CEPA®
Senior Vice President, Financial Advisor, Financial Planning Specialist, Portfolio Manager
Phone:
(239) 449-7870(239) 449-7870
Caroline A. Coplin, CFP®
Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(239) 449-7848(239) 449-7848
Phone:
(239) 449-7872(239) 449-7872
Ashley M. Gegenwarth
Group Director
Phone:
(239) 449-7861(239) 449-7861
Michell Medeiros
Client Service Associate
Phone:
(239) 449-7849(239) 449-7849
Biagio Delboccio
Registered Client Service Associate
Phone:
(239) 449-7855(239) 449-7855
John Huffman
Senior Registered Client Service Associate
Phone:
(941) 714-7920(941) 714-7920
About Steven M. Coplin
Steven Coplin is Senior Portfolio Manager, Family Wealth Director, and Founder and leader of The Coplin Wealth Management Group. With 30 years of experience in the financial industry, Steven has created a streamlined Wealth Management approach that caters to the wide-ranging and complex financial needs of high and ultra-high net-worth individuals, families, and institutions. In addition to providing highly customized financial solutions, Steven builds globally diversified portfolios with a goal of producing competitive risk-adjusted performance based on each client's unique goals.
Steven is also one of the few advisors to have earned the distinction of Family Wealth Director, allowing him direct access to Morgan Stanley’s Family Wealth Advisory Services. In managing client's portfolios, Steven lives by the motto "it is not just about what you earn, but what you keep that matters" and emphasizes the importance of tax efficiency and net returns.
A big fan of various sports and music, Steven plays guitar and is a recording artist who released his first album on apple music and Spotify in summer of 2018. He loves to travel and spend time with his wife and four children.
Steven also supports the Naples Senior Center and St. Jude Children’s Hospital.
Steven is also one of the few advisors to have earned the distinction of Family Wealth Director, allowing him direct access to Morgan Stanley’s Family Wealth Advisory Services. In managing client's portfolios, Steven lives by the motto "it is not just about what you earn, but what you keep that matters" and emphasizes the importance of tax efficiency and net returns.
A big fan of various sports and music, Steven plays guitar and is a recording artist who released his first album on apple music and Spotify in summer of 2018. He loves to travel and spend time with his wife and four children.
Steven also supports the Naples Senior Center and St. Jude Children’s Hospital.
Securities Agent: NC, AK, AL, AZ, CA, CO, CT, DC, FL, GA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WY, DE; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279000
CA Insurance License #: 4128177
NMLS#: 1279000
CA Insurance License #: 4128177
About Ryan M. Sherman
Ryan M. Sherman has been in the financial industry for over 15 years. As a Financial Advisor, Portfolio Manager and Dedicated Equity Plan Specialist, Ryan has a disciplined approach to managing portfolios with his main focus on studying trends that shape the investment environment, drive the economy and ultimately impact clients' performance.
Delivering extensive up-to-date research and information, Ryan works closely with the team to create customized investment strategies, portfolios and solutions and is responsible for continuously monitoring investment performance.
Ryan is also a CERTIFIED FINANCIAL PLANNER™ and Certified Exit Planning Advisor, and focuses on creating comprehensive financial plans for ultra-high net worth clients and business owners, concentrating on risk management, investments, tax planning and estate planning.
Prior to joining Morgan Stanley, Ryan spent two years in Vienna, Austria doing humanitarian work. Born and raised in Florida, Ryan moved to Naples with his wife, Heather, in 2010. During his free time, Ryan enjoys playing with his 6 year old son Owen and 2 year old son Miles, as well as boating, fishing and college football.
Delivering extensive up-to-date research and information, Ryan works closely with the team to create customized investment strategies, portfolios and solutions and is responsible for continuously monitoring investment performance.
Ryan is also a CERTIFIED FINANCIAL PLANNER™ and Certified Exit Planning Advisor, and focuses on creating comprehensive financial plans for ultra-high net worth clients and business owners, concentrating on risk management, investments, tax planning and estate planning.
Prior to joining Morgan Stanley, Ryan spent two years in Vienna, Austria doing humanitarian work. Born and raised in Florida, Ryan moved to Naples with his wife, Heather, in 2010. During his free time, Ryan enjoys playing with his 6 year old son Owen and 2 year old son Miles, as well as boating, fishing and college football.
Securities Agent: WY, WI, WA, VT, VA, UT, TX, TN, SD, SC, RI, PA, OR, OK, DE, FL, GA, ID, IL, IN, AK, AL, AZ, CA, CO, CT, KS, KY, MA, MD, ME, MI, MN, MO, NC, NH, NJ, NM, NV, NY, DC, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 1278614
NMLS#: 1278614
About Caroline A. Coplin
As a Financial Planning Specialist, Caroline has focused her talents on providing strategies dealing with education planning, liability management, retirement planning, and asset allocation. She is committed to helping clients understand the interconnected nature of investments, insurance, retirement and estate planning and in helping them accomplish the financial goals they have set for themselves.
As a Financial Advisor member of The Coplin Wealth Management Group at Morgan Stanley, Caroline works closely with Steven and Ryan in the design and implementation of customized wealth management strategies and is responsible for ensuring the efficiency of the practice. Caroline was named a Southwest Florida Five Star Wealth Manager by Gulfshore Life Magazine every year for the past seven years (2015-2021).
Caroline has an MBA in Finance and a BS degree with a major in Finance from Florida Gulf Coast University. She has obtained her Series 7, 66 & 31 licenses as well as her insurance license, is a CERTIFIED FINANCIAL PLANNER™ professional, and has met the CFP Board's education, examination and experience requirements.
Caroline is originally from the south of France and moved to Naples, FL in the year 2000. In her spare time, Caroline enjoys spending time with her family, traveling, cooking and bike riding.
As a Financial Advisor member of The Coplin Wealth Management Group at Morgan Stanley, Caroline works closely with Steven and Ryan in the design and implementation of customized wealth management strategies and is responsible for ensuring the efficiency of the practice. Caroline was named a Southwest Florida Five Star Wealth Manager by Gulfshore Life Magazine every year for the past seven years (2015-2021).
Caroline has an MBA in Finance and a BS degree with a major in Finance from Florida Gulf Coast University. She has obtained her Series 7, 66 & 31 licenses as well as her insurance license, is a CERTIFIED FINANCIAL PLANNER™ professional, and has met the CFP Board's education, examination and experience requirements.
Caroline is originally from the south of France and moved to Naples, FL in the year 2000. In her spare time, Caroline enjoys spending time with her family, traveling, cooking and bike riding.
Securities Agent: WY, WI, WA, VA, UT, TX, TN, SD, SC, RI, OH, NY, NM, OK, NJ, NH, OR, NC, MO, MN, MI, ME, MD, MA, KY, PA, KS, IN, VT, IL, ID, GA, FL, DC, AZ, AK, AL, CO, CA, DE, CT, NV; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278688
CA Insurance License #: 4128175
NMLS#: 1278688
CA Insurance License #: 4128175
About Lynette J. Susi
Lynette is a Financial Planning Specialist and Financial Advisor with the Coplin Wealth Management Group. Her career in finance was inspired by the 2008 financial crisis, when her family sustained devastating losses due to a lack of proper financial guidance. With over 11 years of experience in the financial industry, she understands what is required to be successful in long range planning and the importance of financial integrity for clients and their families.
Lynette’s focus is crafting financial plans for clients using a holistic approach by factoring in tax, legal, and risk considerations. Upon identifying opportunities to enhance a client’s existing financial affairs, Lynette works with the team in implementing wide range investment and wealth management strategies designed for high net worth individuals.
Lynette is an avid runner and triathlete, and volunteers at the local animal shelter in her spare time.
Lynette’s focus is crafting financial plans for clients using a holistic approach by factoring in tax, legal, and risk considerations. Upon identifying opportunities to enhance a client’s existing financial affairs, Lynette works with the team in implementing wide range investment and wealth management strategies designed for high net worth individuals.
Lynette is an avid runner and triathlete, and volunteers at the local animal shelter in her spare time.
Securities Agent: FL, WA, NY, MO, IN, CT, AL, WI, OR, OH, KS, DE, CO, AK, CA, WY, TX, KY, IL, GA, TN, NC, MN, DC, PA, NH, MS, ME, VA, OK, NV, NJ, MD, AZ, VT, ID, UT, SD, SC, RI, MI, NM, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 834009
CA Insurance License #: 4128176
NMLS#: 834009
CA Insurance License #: 4128176
About Ashley M. Gegenwarth
Ashley Gegenwarth drives and guides the team’s operations on a day-to-day basis, seeking to ensure Morgan Stanley’s platform is maximized to best serve its clients. She also provides administrative oversight support to clients, their families, and to the Financial Advisors and Support Professionals of The Coplin Wealth Management Group. She works closely with the Financial Advisors on the execution of the team’s strategic business plan.
Ashley joined Morgan Stanley in December 2016 as a Registered Service Associate and was promoted to Southwest Florida’s Complex Administrator in 2019. In addition to Registered Service Associate and Complex Administrator, she has served as a Client Service Associate Coach and has represented the Southwest Florida Complex in the Firm’s sponsored Leadership Readiness Program. Before joining Morgan Stanley, she started as a Registered Client Service Associate at Raymond James in 2013.
Ashley earned a Bachelor’s degree in Finance with a concentration in Financial Analysis and Management from Florida Gulf Coast University in May 2016. She was born in York, Pennsylvania and raised in Naples, Florida where she currently resides. In her free time, she enjoys boating, taking an Orangetheory class, live music, traveling to a new destination each year, and most of all, spending time with her Cocker Spaniel Husky mixed puppy named Forrest.
Ashley is Series 7, 66, and FL 2-15 insurance licensed.
Ashley joined Morgan Stanley in December 2016 as a Registered Service Associate and was promoted to Southwest Florida’s Complex Administrator in 2019. In addition to Registered Service Associate and Complex Administrator, she has served as a Client Service Associate Coach and has represented the Southwest Florida Complex in the Firm’s sponsored Leadership Readiness Program. Before joining Morgan Stanley, she started as a Registered Client Service Associate at Raymond James in 2013.
Ashley earned a Bachelor’s degree in Finance with a concentration in Financial Analysis and Management from Florida Gulf Coast University in May 2016. She was born in York, Pennsylvania and raised in Naples, Florida where she currently resides. In her free time, she enjoys boating, taking an Orangetheory class, live music, traveling to a new destination each year, and most of all, spending time with her Cocker Spaniel Husky mixed puppy named Forrest.
Ashley is Series 7, 66, and FL 2-15 insurance licensed.
About Michell Medeiros
Michell joined Morgan Stanley as a Client Service Associate with the Coplin Wealth Management Group.
He was previously an Operations Associate at Aviance Capital Partners in Naples, where he had wide ranging responsibilities in client service and operations.
Prior to making the career change to wealth management, Michell was a General Manager in the food service industry for 11 years.
He studied Information Technology at Senac in Sao Paulo, Brazil and is fluent in both Portuguese and Spanish.
Michell moved to Ft. Myers from Brazil in 2008. He currently lives in Estero with his wife, Chelsea, and their daughter, Isabel. In his free time, he enjoys traveling, playing soccer, and spending time with family and friends while taking advantage of southwest Florida’s beautiful beaches.
He was previously an Operations Associate at Aviance Capital Partners in Naples, where he had wide ranging responsibilities in client service and operations.
Prior to making the career change to wealth management, Michell was a General Manager in the food service industry for 11 years.
He studied Information Technology at Senac in Sao Paulo, Brazil and is fluent in both Portuguese and Spanish.
Michell moved to Ft. Myers from Brazil in 2008. He currently lives in Estero with his wife, Chelsea, and their daughter, Isabel. In his free time, he enjoys traveling, playing soccer, and spending time with family and friends while taking advantage of southwest Florida’s beautiful beaches.
Contact Steven M. Coplin
Contact Ryan M. Sherman
Contact Caroline A. Coplin
Contact Lynette J. Susi
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Stacey Herring
Private Banker
About Stacey Herring
Stacey Herring is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Stacey began her career in financial services in 1994, and joined Morgan Stanley in 2014. Prior to joining the firm, she was a Mortgage Sales Manager at SunTrust Bank and a Senior Mortgage Loan Officer for over 17 years at Fifth Third Bank. Stacey is a graduate of Florida State University, where she received a Bachelor of Science in Business Marketing and a Minor in Communications.
Stacey currently serves on the Women’s Foundation of Collier County Board of Directors, as well as Junior Achievement of SWFL’s Advisory Board. In addition, Stacey has chaired many community endeavors, serving Naples Community Hospital, PACE Center for Girls of Collier County, and Youth Haven. She is a graduate of the Naples Chamber of Commerce’s Leadership Collier program, awarded Gulfshore Business Magazine’s “40 Under 40 Award”, and in 2013 was awarded the Glass Slipper Award by The Education
Foundation, Champions for Learning. In 2014, Stacey was named a Woman of Initiative by the Community Foundation of Collier County for her philanthropy,dedication, and commitment to children’s causes.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Stacey began her career in financial services in 1994, and joined Morgan Stanley in 2014. Prior to joining the firm, she was a Mortgage Sales Manager at SunTrust Bank and a Senior Mortgage Loan Officer for over 17 years at Fifth Third Bank. Stacey is a graduate of Florida State University, where she received a Bachelor of Science in Business Marketing and a Minor in Communications.
Stacey currently serves on the Women’s Foundation of Collier County Board of Directors, as well as Junior Achievement of SWFL’s Advisory Board. In addition, Stacey has chaired many community endeavors, serving Naples Community Hospital, PACE Center for Girls of Collier County, and Youth Haven. She is a graduate of the Naples Chamber of Commerce’s Leadership Collier program, awarded Gulfshore Business Magazine’s “40 Under 40 Award”, and in 2013 was awarded the Glass Slipper Award by The Education
Foundation, Champions for Learning. In 2014, Stacey was named a Woman of Initiative by the Community Foundation of Collier County for her philanthropy,dedication, and commitment to children’s causes.
NMLS#: 434321
Wealth Management
From Our Team
Building Value from Values
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
Article Image
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
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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 Coplin Wealth Management Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley 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.
2Morgan 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.
3Morgan 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.
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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
8Alternative 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.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
11Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
12Morgan 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.
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.
2Morgan 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.
3Morgan 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.
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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
8Alternative 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.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
11Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
12Morgan 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.
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)
