Phone:
(248) 978-8709(248) 978-8709
The Cranbrook Group at Morgan Stanley
Direct:
(248) 723-1816(248) 723-1816
Our Mission Statement
The Cranbrook Group is a dynamic team of advisors with substantial experience, a vast array of resources under one of the largest wealth management firms in the US, unique intellectual capital, and dedicated personal service.
It is our mission to make certain you reach true financial freedom, not just for yourself, but for generations to come.
It is our mission to make certain you reach true financial freedom, not just for yourself, but for generations to come.
Welcome!
The Cranbrook Group can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform, and a full spectrum of investment choices. It is our mission to ensure that you reach true financial freedom, not just for yourself, but for generations to come.
Services Include
- Wealth PlanningFootnote1
- Business PlanningFootnote2
- Retirement PlanningFootnote3
- Professional Portfolio ManagementFootnote4
- 401(k) Rollovers
- Cash Management and Lending ProductsFootnote5
- Trust AccountsFootnote6
- Alternative InvestmentsFootnote7
- SyndicateFootnote8
- Donor Advised Funds
- UGMA/UTMAFootnote9
- Endowments and FoundationsFootnote10
- Estate Planning StrategiesFootnote11
- Life InsuranceFootnote12
- Long-term Care InsuranceFootnote13
- Asset Management
- Wealth ManagementFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Digital Tools
Our comprehensive suite of digital tools are designed to help enhance various aspects of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Seamlessly and securely manage your investments and everyday finances in one place with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
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
Portfolio Risk Platform – Powered by Aladdin
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Learn More About The Portfolio Risk Platform
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn More About Our Planning Tools
MS Reserved Living and Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn More About Morgan Stanley Reserved Living and Giving
Digital Vault
Digital Vault lets you easily manage and share your important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings. All files are scanned for viruses and malware and are encrypted while transferred and stored. Access is limited to you and anyone you designate.
Learn More About The Digital VaultOur Planning Process
At The Cranbrook Group, we believe every client should have a detailed financial plan built for his or her particular goals and circumstances. Our process begins with a deep understanding of where you are today and where you want to go. Working together, we develop a carefully constructed plan to help get you there, navigating life’s challenges, and helping you make more informed decisions each step of the way.
Step 1: Introductory Call
• Understand your top financial concerns
• Explain how we work with you and your family
• Discuss the importance of a financial plan and the information we’ll need to collect so we may develop a comprehensive plan that is tailored to your needs and values
• Schedule our next discussion which is the Discovery Meeting
• Explain how we work with you and your family
• Discuss the importance of a financial plan and the information we’ll need to collect so we may develop a comprehensive plan that is tailored to your needs and values
• Schedule our next discussion which is the Discovery Meeting
Step 2: Discovery Meeting
• Learn about your personal, professional and financial situation
• Identify the values that shape your decisions
• Uncover any challenges unique to you
• Define your priorities
• Review the information you’ve prepared
• Request permission to speak with your accountant and estate attorney
• Identify the values that shape your decisions
• Uncover any challenges unique to you
• Define your priorities
• Review the information you’ve prepared
• Request permission to speak with your accountant and estate attorney
Step 3: Analysis and Assessment
• Evaluate your current and future financial situation
• Utilize a variety of financial planning and risk assessment tools to determine the likelihood of reaching your goals
• Identify savings opportunities in all aspects of your financial life
• Utilize a variety of financial planning and risk assessment tools to determine the likelihood of reaching your goals
• Identify savings opportunities in all aspects of your financial life
Step 4: Development of Your Financial Plan
• Prepare your personalized financial plan, incorporating time-tested diversification and asset allocation strategies
• Present your plan, prioritizing activities and establishing timelines
• Openly discuss costs, emphasizing how we select investments to minimize fees and taxes
• Present your plan, prioritizing activities and establishing timelines
• Openly discuss costs, emphasizing how we select investments to minimize fees and taxes
Step 5: Implementation
• Upon your approval of the plan, begin to implement each investment recommendation
• Finalize other wealth management strategies that may include risk management techniques and estate planning solutions
• Keep you informed at each stage
• Finalize other wealth management strategies that may include risk management techniques and estate planning solutions
• Keep you informed at each stage
Step 6: Ongoing Service
• Review your initial statements to ensure full understanding
• Set up tools to provide convenient access to your accounts
• Apply rigorous due diligence process to evaluate investment performance
• Develop a call or meeting schedule to review and trace progress towards your goals
• Discuss changes in your life, adjusting your plan and portfolio accordingly
• Set up tools to provide convenient access to your accounts
• Apply rigorous due diligence process to evaluate investment performance
• Develop a call or meeting schedule to review and trace progress towards your goals
• Discuss changes in your life, adjusting your plan and portfolio accordingly
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. Morgan Stanley seeks to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future, and why. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
Thoughts on the Market
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen here
Global Investment Committee on the Markets
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition below.
Read: "GIC on the Markets"
Home Loans
As a Morgan Stanley client, you have access to our dedicated Home Loans team, who will work with you to explore the right solution for your home financing needs.
Options To Meet Your Needs
Alternative Investments
Our comprehensive alternatives platform offers 160+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Morgan Stanley Alternative Investments
Tax Management
The tax decisions you make today can help you save for years to come. There are many tax smart strategies for your financial plan.
Tax Efficient PlanningLocation
40701 Woodward Ave.
Ste 200
Bloomfield Hills, MI 48304
US
Direct:
(248) 723-1816(248) 723-1816
Meet The Cranbrook Group
Phone:
(248) 723-1816(248) 723-1816
Anna Odrobina
Senior Client Service Associate
Phone:
(248) 723-1814(248) 723-1814
About Norman J Killop
Norman Killop brings over 35 years of dedication and experience to the financial services industry. His journey began at PaineWebber, where he quickly developed a passion for helping clients achieve their financial goals. After his time at Walsh College, Norman immersed himself in the industry, gaining deep insights that have guided him through various market climates. Since joining Morgan Stanley in 2009 following its acquisition of Smith Barney, he has continued to serve clients with integrity, personalized strategies, and a commitment to long-term success.
Beyond the office, Norman is a devoted family man and father of 3 boys. Norman also values a healthy, active lifestyle; he enjoys golfing, fishing, and hiking with his loyal dog by his side. A frequent traveler, Norman treasures exploring new destinations with his wife, Madeleine, with whom he’s shared 30 wonderful years.
Norman’s approach to financial advising is founded on respect, transparency, and a genuine desire to help others achieve their future. Whether guiding clients through complex decisions or celebrating milestones, Norman brings an unwavering commitment to every client relationship, always aiming to make a positive, lasting impact on their financial journey.
Beyond the office, Norman is a devoted family man and father of 3 boys. Norman also values a healthy, active lifestyle; he enjoys golfing, fishing, and hiking with his loyal dog by his side. A frequent traveler, Norman treasures exploring new destinations with his wife, Madeleine, with whom he’s shared 30 wonderful years.
Norman’s approach to financial advising is founded on respect, transparency, and a genuine desire to help others achieve their future. Whether guiding clients through complex decisions or celebrating milestones, Norman brings an unwavering commitment to every client relationship, always aiming to make a positive, lasting impact on their financial journey.
Securities Agent: NV, AR, AZ, CA, CO, CT, FL, GA, HI, IA, IL, IN, KY, MD, ME, MI, MN, MT, NC, NE, NJ, NM, NY, OH, OR, SC, TN, TX, UT, VA, WA, WI, WY; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
CA Insurance License #: 4314680
CA Insurance License #: 4314680
About Stephen Killop
Stephen Killop is a financial advisor with The Cranbrook Group, focused on helping individuals and families clarify priorities, manage risk, and make confident financial decisions. Since entering the insurance and financial services industry in 2017, he has built a foundation in client service and risk management, applying that experience to develop practical strategies tailored to each client’s circumstances.
After five years in the insurance industry, Stephen joined The Cranbrook Group in 2022, where he works with clients to define goals, evaluate trade-offs, and implement plans designed to support long-term outcomes. He is known for a consultative, personalized approach—taking the time to understand each client’s needs, communicate clearly, and maintain transparency throughout the planning process. Stephen’s objective is to help build durable client relationships grounded in mutual confidence, responsiveness, and consistent follow-through.
Stephen is a proud graduate of De La Salle Collegiate and earned his degree with honors from Ave Maria University, where he served as captain of the football team—experience he credits with strengthening his leadership, discipline, and resilience in a professional setting. He resides in Lake Orion with his wife, Alanna. He enjoys traveling with his wife and is an avid powerlifter. Stephen’s commitment to family, fitness, and professional growth drives him to make a meaningful impact in his community and clients’ lives.
After five years in the insurance industry, Stephen joined The Cranbrook Group in 2022, where he works with clients to define goals, evaluate trade-offs, and implement plans designed to support long-term outcomes. He is known for a consultative, personalized approach—taking the time to understand each client’s needs, communicate clearly, and maintain transparency throughout the planning process. Stephen’s objective is to help build durable client relationships grounded in mutual confidence, responsiveness, and consistent follow-through.
Stephen is a proud graduate of De La Salle Collegiate and earned his degree with honors from Ave Maria University, where he served as captain of the football team—experience he credits with strengthening his leadership, discipline, and resilience in a professional setting. He resides in Lake Orion with his wife, Alanna. He enjoys traveling with his wife and is an avid powerlifter. Stephen’s commitment to family, fitness, and professional growth drives him to make a meaningful impact in his community and clients’ lives.
Securities Agent: TX, SC, OH, NY, NV, NM, NJ, NE, NC, MT, MN, MI, ME, MD, WY, MA, KY, IN, IL, GA, FL, CT, CO, CA, AZ, AR, AL, OR, TN, HI, IA, WV, WI, WA, VA, UT; General Securities Representative; Investment Advisor Representative
NMLS#: 2424194
NMLS#: 2424194
About Anna Odrobina
Anna Odrobina’s career in the financial industry began in 1987 as a licensed commodities trader. Over the years, she has honed her skills while working with some of the industry’s most respected firms, including Merrill Lynch and First of Michigan. Anna also served as a congressional staff assistant, gaining a unique perspective on the financial world from the policy side.
For the past 25 years, Anna has proudly called Morgan Stanley her professional home, where she remains deeply committed to client service. Her approach combines a wealth of industry experience with a genuine care for the team’s success.
Outside the office, Anna honors her late husband Danny’s legacy by spending time on the water, where she finds joy in activities like water skiing. Her passion for the outdoors reflects her energetic spirit and love for adventure. Anna brings this same dedication to every client relationship, continually striving to make a meaningful, positive impact on their financial journeys.
For the past 25 years, Anna has proudly called Morgan Stanley her professional home, where she remains deeply committed to client service. Her approach combines a wealth of industry experience with a genuine care for the team’s success.
Outside the office, Anna honors her late husband Danny’s legacy by spending time on the water, where she finds joy in activities like water skiing. Her passion for the outdoors reflects her energetic spirit and love for adventure. Anna brings this same dedication to every client relationship, continually striving to make a meaningful, positive impact on their financial journeys.
Contact Norman J Killop
Contact Stephen Killop
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact The Cranbrook Group today.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
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 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.
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’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.
5Morgan 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
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
8Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
9Morgan 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.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
11Morgan 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.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Morgan 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.
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
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.
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 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.
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’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.
5Morgan 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
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
8Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
9Morgan 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.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
11Morgan 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.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Morgan 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.
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)