Robert Snow, CFP®
Managing Director, Wealth Management, Financial Advisor, Portfolio Management Director, CERTIFIED FINANCIAL PLANNER®
Phone:
(713) 965-5008(713) 965-5008
The Cornerstone Financial Group at Morgan Stanley
Direct:
(713) 965-5000(713) 965-5000
Toll-Free:
(800) 231-0060(800) 231-0060
Our Mission Statement
The "personable powerhouse" team that provides you with fastidious care, a superior advisory experience, and a paramount return on life.
Our Story
Achieving financial goals starts with a comprehensive wealth strategy. Our goal is to understand your financial needs and then align them with our resources to help you meet or exceed them. We can help you evaluate near-term concerns and plan for long-term goals, be a sounding board for investment ideas, and assist you in developing and executing a strategy that is precisely your own and can help meet your needs.
As a team, we have dedicated our careers to helping people like you define and fulfill their long-term financial objectives. We believe it is our responsibility to be aware of the changing circumstances in your life, so we can anticipate and respond strategically to new risks and emerging opportunities. The end result is a coordinated financial and investment plan, updated regularly, that meets your unique wealth management goals today and for the generations that follow.
As a team, we have dedicated our careers to helping people like you define and fulfill their long-term financial objectives. We believe it is our responsibility to be aware of the changing circumstances in your life, so we can anticipate and respond strategically to new risks and emerging opportunities. The end result is a coordinated financial and investment plan, updated regularly, that meets your unique wealth management goals today and for the generations that follow.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A Plan Tailored to Your Needs
A generation ago, financial planning was relatively straightforward – people focused on wealth accumulation and then shifted most or all assets into conservative instruments to provide retirement income and principal stability. But today’s world is more complex, and turning a lifetime of savings into a lifetime of sustainable income for people who are living longer, healthier, and more active lives mean attending to a wide range of issues simultaneously.
Together, we answer questions that may seem daunting:
- Do I have enough money to live for 20 years or more in retirement?
- How is it possible to generate enough income with low interest rates?
- What can I expect for inflation?
- Can my portfolio weather a market downturn?
- Are my assets protected if something unexpected happens?
Some of the areas where we apply our advanced knowledge on your behalf include:
Together, we answer questions that may seem daunting:
- Do I have enough money to live for 20 years or more in retirement?
- How is it possible to generate enough income with low interest rates?
- What can I expect for inflation?
- Can my portfolio weather a market downturn?
- Are my assets protected if something unexpected happens?
Some of the areas where we apply our advanced knowledge on your behalf include:
Investment Management
You can rely on us to design holistic and strategic financial plans that match your family’s goals.
Retirement Planning
We will help you develop and implement a strategy that encompasses your needs before, during and after you retire and is based on your personal vision of retirement.
Trust, Estate, & Legacy Planning
We will help you implement your plan for passing on your assets in a way that honors your values as well as your financial commitments.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee
Education Planning & Family Concerns
We will make a plan for the education and well-being of your children or grandchildren, as well as your parents or other relatives who might need assistance now or in the future.
Managing Your Liquidity Need
We will keep an eye on your cash flow needs as your goals and finances evolve.
Research and tools, all at your fingertips
Morgan Stanley seeks to make complex financial ideas more digestible so our clients understand what is being done on their behalf to plan for their financial future. Below you will find various resources to help you navigate your financial journey.
2026 Tax Tables
These tables outline the 2026 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
Access Here
2026 IRA Contribution Limits
The IRS has announced retirement plan benefit and contribution limits for 2026. You can review all plan type 2026 contribution limits here.
Access Here
Social Security
There are strategic considerations involved in deciding when to claim Social Security benefits, including the impact of life expectancy, financial needs, and potential returns from delaying benefits. Explore these considerations as you plan for this next phase of your life.
Learn More
GIC On the Markets
Every month, top research analysts from Morgan Stanley’s Global Investment Committee publish their “On the Markets” report, providing detailed market commentary on such topics as global equities, fixed income and monetary policy.
Read This Month's Report
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance, and fixed income.
Read This Week's ReportSafeguarding your digital life.
In today's day and age, online security is of the utmost importance. Morgan Stanley proactively defends our systems and monitors our digital landscapes to ensure that issues, whether anticipated or occurring, are dealt with in the proper manner.
Curious as to what is included in our security process? Security includes the following: Strong encryption protocols designed to protect your data, continuous monitoring to detect and prevent fraudulent activity, routine testing of our systems identify potential vulnerabilities, and independent reviews by outside security firms to penetration test our applications and evaluate our processes.
For more about cybersecurity and protecting your digital presence, below find some helpful resources.
Curious as to what is included in our security process? Security includes the following: Strong encryption protocols designed to protect your data, continuous monitoring to detect and prevent fraudulent activity, routine testing of our systems identify potential vulnerabilities, and independent reviews by outside security firms to penetration test our applications and evaluate our processes.
For more about cybersecurity and protecting your digital presence, below find some helpful resources.
Location
2800 Post Oak Blvd
Ste 3200
Houston, TX 77056
US
Direct:
(713) 965-5000(713) 965-5000
Toll-Free:
(800) 231-0060(800) 231-0060
Fax:
(832) 514-3629(832) 514-3629
Meet The Cornerstone Financial Group
Jonathan Bergeron, CFP®
Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist, CERTIFIED FINANCIAL PLANNER®
Phone:
(713) 499-3036(713) 499-3036
Sheena Young
Assistant Vice President, Wealth Management Associate
Phone:
(713) 965-5018(713) 965-5018
Diona Sonnier
Senior Client Service Associate
Phone:
(713) 993-2743(713) 993-2743
About Robert M Snow
After graduating from the University of Houston in 1997 with a Bachelor’s Degree in Business, Rob moved to New York City to pursue his dream of working on Wall Street, and to begin his financial planning career. He spent several years working with a private investment banking firm; researching and trading NASDAQ based companies. As a Certified Financial Planner, Rob has dedicated his career to delivering the personalized investment planning services in which his clients deserve. He continued to maintain this level of commitment after joining Morgan Stanley in 2003. Rob has extensive experience with major shifts in the markets, and he utilizes this knowledge when addressing any of his client’s financial concerns including retirement planning, social security benefits, estate planning strategies, as well as other financial services. For nearly two and a half decades, Rob has continued to implement a disciplined investment process while serving as a financial resource for High Net Worth individuals.
In January 2013, after spending 16 years in New York, Rob returned to Houston with his wife, Alexandra and their two daughters, Julies and Tori. They enjoy staying physically and mentally active while coaching sports leagues, volunteering at his daughters' school, exploring museums, and visiting family and clients in New York. In his spare time, Rob also enjoys playing golf, and employing his many years of Wall Street experience while mentoring young advisors
In January 2013, after spending 16 years in New York, Rob returned to Houston with his wife, Alexandra and their two daughters, Julies and Tori. They enjoy staying physically and mentally active while coaching sports leagues, volunteering at his daughters' school, exploring museums, and visiting family and clients in New York. In his spare time, Rob also enjoys playing golf, and employing his many years of Wall Street experience while mentoring young advisors
Securities Agent: FL, WI, OR, NJ, MA, MT, MD, HI, OH, NC, AZ, ME, VA, GA, SC, OK, NV, IN, IL, DC, CA, WA, VT, MN, MI, LA, DE, AR, WV, NH, KS, CT, PA, NY, CO, TX, ID, ND; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282440
NMLS#: 1282440
About Jonathan Bergeron, CFP®
Jonathan focuses on retirement and legacy planning. He is passionate about helping people create a meaningful legacy. He focuses on helping clients transition through each phase of their financial life by offering clear, straightforward advice.
He joined Morgan Stanley in 2019. Prior to his financial services career, Jonathan worked for Shell Oil Company for eight years. He held several finance-related roles which focused on evaluating corporate balance sheets, business planning for multiple entities along the oil and gas value chain and serving as a treasurer on two joint ventures in the Gulf Coast region. He graduated in 2012 from Louisiana State University. Recently, he has been awarded the 2025 Five Star Wealth Advisor award, given to advisors providing exceptional service to their clients.
Jonathan resides in the Heights with his wife, Stephanie and his son Ethan and daughter Amelia. Outside of the office, he enjoys staying active, playing in local soccer leagues, and volunteering.
Awards & Disclosures
2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2025) This award was determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
5/15/24 through 11/29/24
He joined Morgan Stanley in 2019. Prior to his financial services career, Jonathan worked for Shell Oil Company for eight years. He held several finance-related roles which focused on evaluating corporate balance sheets, business planning for multiple entities along the oil and gas value chain and serving as a treasurer on two joint ventures in the Gulf Coast region. He graduated in 2012 from Louisiana State University. Recently, he has been awarded the 2025 Five Star Wealth Advisor award, given to advisors providing exceptional service to their clients.
Jonathan resides in the Heights with his wife, Stephanie and his son Ethan and daughter Amelia. Outside of the office, he enjoys staying active, playing in local soccer leagues, and volunteering.
Awards & Disclosures
2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2025) This award was determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
5/15/24 through 11/29/24
Securities Agent: WI, TX, OK, IL, DE, LA, NC, NM, WV, WA, VT, VA, SC, PA, OR, OH, NY, NV, NJ, NH, ND, MT, MS, MN, MI, ME, MD, MA, KY, KS, IN, HI, GA, FL, DC, CT, CO, CA, AZ, AR, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 2322801
NMLS#: 2322801
About Sheena Young
As a Wealth Management Associate, Sheena delivers executive-level support characterized by accuracy and efficiency. A valued client resource, Sheena is often the first point of contact with clients on a broad array of services related to account servicing, financial plans and investment portfolios. Clients can depend on Sheena to deliver a consistent, positive experience to ensure all commitments are completed and delivered in a timely manner.
A Mississippi native, Sheena relocated to Texas in 2007 and launched her financial services career as a Registered Client Service Associate with RBC Wealth Management. She transitioned to Morgan Stanley in 2011.
Sheena enjoys gardening, fishing, traveling, and dog parks. She is an enthusiastic animal lover who fosters for a German Shepherd rescue and volunteers with ASPCA.
A Mississippi native, Sheena relocated to Texas in 2007 and launched her financial services career as a Registered Client Service Associate with RBC Wealth Management. She transitioned to Morgan Stanley in 2011.
Sheena enjoys gardening, fishing, traveling, and dog parks. She is an enthusiastic animal lover who fosters for a German Shepherd rescue and volunteers with ASPCA.
About Diona Sonnier
Diona started in the financial industry in 1998 with Morgan Stanley (formerly Dean Witter) in Operations as a New Accounts Clerk, and over the years has been promoted into several different key support roles. As a Senior Client Service Associate with over 20 years of experience, she performs a variety of functions that are critical to the success of our day-to-day operations . Diona is deeply dedicated to making sure that each client receives exceptional service and that their needs are met in a timely manner. Diona is ready to help you with any administrative items: Account Documents, Bill Pay Concierge Services, Premier Cash Management Benefits, as well as deposits, transfers or withdrawals. Diona and her husband, Gene, have two children, Layla & Jayden. She is very active in her kid’s sports and dance activities. In her spare time she likes to workout with her husband and watch movies with her family.
Contact Robert Snow
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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
Frank Vatuna
Associate Private Banker
Greg DeLeo
Vice President, Taxable Fixed Income Sales
Jenna Russotto
Vice President, Municipal Sales
About Frank Vatuna
Frank Vatuna is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Texas.
Associate Private Bankers partner with Private Bankers and 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.
Frank began his career in financial services in 1988 and joined Morgan Stanley in 2019 as an Associate Private Banker. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as a Lending Officer at Bank of America.
Frank is a graduate of the University of Houston, where he received a Bachelor of Business Administration in Finance. He lives in Magnolia, Texas with his family. Outside of the office, Frank enjoys traveling and spending time with family and friends. He also volunteers for March of Dimes and Houston Food Bank.
Associate Private Bankers partner with Private Bankers and 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.
Frank began his career in financial services in 1988 and joined Morgan Stanley in 2019 as an Associate Private Banker. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as a Lending Officer at Bank of America.
Frank is a graduate of the University of Houston, where he received a Bachelor of Business Administration in Finance. He lives in Magnolia, Texas with his family. Outside of the office, Frank enjoys traveling and spending time with family and friends. He also volunteers for March of Dimes and Houston Food Bank.
NMLS#: 620249
About Greg DeLeo
Greg DeLeo, Vice President, Taxable Fixed Income Sales, re-joined The Firm in December 2025, bringing nearly two decades of capital markets experience to his role. Greg holds an undergraduate degree from Villanova University. In his current position, Greg is responsible for delivering The Firm’s strategy and commentary, providing timely market updates, communicating actionable trade ideas specifically tailored to UHNW investors, and offering product-related training across the full spectrum of taxable fixed income securities. He joined The Firm from Baird where he was a Director in Fixed Income Capital Markets, providing sales coverage to institutional clients investing in corporate credit. Prior to his time at Baird, Greg spent over 15 years at Morgan Stanley in various institutional sales coverage roles with a focus on high yield and leveraged loan clients.
Outside of work, Greg enjoys spending time with his wife and three young kids, traveling to Maine, and building his wine collection
Outside of work, Greg enjoys spending time with his wife and three young kids, traveling to Maine, and building his wine collection
About Jenna Russotto
Jenna Russotto Dunham, Vice President, Municipal Sales, started her career at The Firm in June 2006 on the Morgan Stanley Wealth Management Fixed Income sales and trading desk. In her current position, she covers financial advisors in the NJ and Texas markets and is responsible for delivering The Firm’s strategy and commentary, providing timely market updates, and communicating actionable trade ideas specifically tailored to UHNW investors.
Prior to joining Municipal Sales, from 2014-2022, she transitioned her career and joined the Morgan Stanley Municipal syndicate and trading desks. Her roles included secondary trading, short term syndicate, long term syndicate and remarketing. She holds a Bachelors of Business Administration from Loyola University in Maryland and also hold her municipal securities principal license. Outside of work, Jenna enjoys spending time with her 3 boys, tending to her rose garden, and playing competitive pickleball.
Prior to joining Municipal Sales, from 2014-2022, she transitioned her career and joined the Morgan Stanley Municipal syndicate and trading desks. Her roles included secondary trading, short term syndicate, long term syndicate and remarketing. She holds a Bachelors of Business Administration from Loyola University in Maryland and also hold her municipal securities principal license. Outside of work, Jenna enjoys spending time with her 3 boys, tending to her rose garden, and playing competitive pickleball.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Morgan Stanley Wealth Management Fixed Income Sales and Product Professionals provide services to Morgan Stanley Wealth Management Financial Advisors for information purposes only. They do not provide recommendations or solicitations to participate in any offer or sale of a security or trading strategy. It is the responsibility of the Morgan Stanley Wealth Management Financial Advisor to take into account the client's circumstances, investment objectives and risk tolerance before offering or selling securities to a client, to ensure such offer or sale is appropriate and consistent with the applicable standard of care.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Morgan Stanley Wealth Management Fixed Income Sales and Product Professionals provide services to Morgan Stanley Wealth Management Financial Advisors for information purposes only. They do not provide recommendations or solicitations to participate in any offer or sale of a security or trading strategy. It is the responsibility of the Morgan Stanley Wealth Management Financial Advisor to take into account the client's circumstances, investment objectives and risk tolerance before offering or selling securities to a client, to ensure such offer or sale is appropriate and consistent with the applicable standard of care.
Wealth Management
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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- Traditional Investments
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Iran Conflict: Seven Takeaways for Investors
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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
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 Cornerstone Financial Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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.
4When 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Products 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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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
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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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.
4When 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Products 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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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), 4763067 (9/2025)
