Micah Lillich, CFP®
First Vice President, Financial Advisor
Phone:
(225) 237-3143(225) 237-3143
The Denham and Lillich Team at Morgan Stanley
Direct:
(225) 237-3143(225) 237-3143
Our Mission Statement
Excellence in helping clients like you with your personalized investment and financial strategies
What Makes Us Distinct
We are not just an investment shop and we are not just financial planners—we are both and so much more. As The Denham and Lillich Team, we do more than simply manage investments. Our commitment is to provide guidance on all of the factors that contribute to a client's overall financial success now, into the future, and throughout generations.
We are focused on assisting our clients with the help they need, when they need it. We pride ourselves on going the extra mile for our clients—we call it our concierge-oriented approach to wealth management. To us, every service we provide is carried out with the care and respect with which we treat our own family members. The Denham and Lillich Team recognizes the importance of getting to know you, your financial needs, your goals and lifestyle. That is the foundation we use to help you define and prioritize your long-term financial objectives and to develop a comprehensive plan that seeks to not only secure your financial future, but that of your loved ones as well.
To best accomplish this, our team made the transition to Morgan Stanley Wealth Management in the summer of 2017 after spending the previous nine years with LPL Financial. We saw tremendous value in making this move in order to better serve our clients by providing them with access to the extensive research capabilities, intellectual capital, and vast array of investment solutions of a full service brokerage firm such as Morgan Stanley. We are excited about the future and the manner in which we will be able to serve our clients moving forward.
We are focused on assisting our clients with the help they need, when they need it. We pride ourselves on going the extra mile for our clients—we call it our concierge-oriented approach to wealth management. To us, every service we provide is carried out with the care and respect with which we treat our own family members. The Denham and Lillich Team recognizes the importance of getting to know you, your financial needs, your goals and lifestyle. That is the foundation we use to help you define and prioritize your long-term financial objectives and to develop a comprehensive plan that seeks to not only secure your financial future, but that of your loved ones as well.
To best accomplish this, our team made the transition to Morgan Stanley Wealth Management in the summer of 2017 after spending the previous nine years with LPL Financial. We saw tremendous value in making this move in order to better serve our clients by providing them with access to the extensive research capabilities, intellectual capital, and vast array of investment solutions of a full service brokerage firm such as Morgan Stanley. We are excited about the future and the manner in which we will be able to serve our clients moving forward.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
Do you remember when businesses took pride in providing personalized service? When meeting face-to-face was the norm, not the exception? When taking the time to get to know you was considered paramount to establishing and sustaining a long-term relationship? If so, we invite you to discover what we feel makes us unique in an industry that is better known for impersonal portfolio management than a caring approach to financial services.
As your financial advisors, we listen and respond to your needs using clear, simple language. We offer personal service and pledge to lead you with great care along the path to pursuing your goals. We can help you prioritize those goals and develop a strategy that seeks to preserve and grow your retirement assets, making it possible to pursue your chosen lifestyle and create a legacy for your loved ones. We follow a disciplined process that allows us to work with you to craft a solution that helps meet your individual needs. This process aligns our efforts with your interests, providing a road map focused on what is most important to you.
As your financial advisors, we listen and respond to your needs using clear, simple language. We offer personal service and pledge to lead you with great care along the path to pursuing your goals. We can help you prioritize those goals and develop a strategy that seeks to preserve and grow your retirement assets, making it possible to pursue your chosen lifestyle and create a legacy for your loved ones. We follow a disciplined process that allows us to work with you to craft a solution that helps meet your individual needs. This process aligns our efforts with your interests, providing a road map focused on what is most important to you.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your accounts helping ensure a comprehensive financial plan.
Step 4: Action Items / Next Steps
After the financial plan presentation, we will follow up with you regarding your analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
INDIVIDUAL PLANS FOR INDIVIDUALS LIKE YOU
Goals you set today will evolve over time. Our process is designed to evolve with them - and with the changing circumstances of your life. Holistic in its approach, our planning process will encompass all the elements of your financial and personal life, seeking to help ensure they align with your current and future goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and strive to achieve your goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and strive to achieve your goals.
Certified Financial Planner® (CFP®)
CFP® professionals have met extensive training and experience requirements, and commit to CFP Board's ethical standards that require them to put their clients' interests first.
Angie and Micah hold this designation.
Angie and Micah hold this designation.
Forbes Best-In-State Wealth Management Teams of 2025
We are proud to share The Denham and Lillich Team has been ranked as one of the Forbes's Best-In-State Wealth Management Teams of 2025 in Louisiana.
[Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025]
Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure/
View the Full List Here[Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025]
Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure/
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In-State of 2025
We are proud to share that Angie has been listed as one of the Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In-State of 2025 in Louisiana.
[Source: Forbes (Awarded Feb 2025). Data compiled by SHOOK Research LLC based for the period 9/30/23–9/30/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025]
Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure/
[Source: Forbes (Awarded Feb 2025). Data compiled by SHOOK Research LLC based for the period 9/30/23–9/30/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025]
Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure/
Forbes Best-In-State Wealth Advisors 2025
We are proud to share that Angie has been listed as one of the Forbes Best-In-State Wealth Advisors of 2025 in Louisiana.
2025 Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24. Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure/
2025 Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24. Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure/
LifeView® Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, holistic strategy that integrates the various aspects of an individual’s financial life, including investments and cash management needs.
Disclosures:
LifeView® is a registered service of Morgan Stanley & Company and used under license. Morgan Stanley Advisors are not legal or tax advisors.
"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"
Disclosures:
LifeView® is a registered service of Morgan Stanley & Company and used under license. Morgan Stanley Advisors are not legal or tax advisors.
"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"
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. This tool helps advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Click here to learn more
Portfolio Risk Platform
The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management’s platform to help improve the quality, transparency, and efficiency of the end to end risk management processes for the Firm and our Clients.
Click here to learn more
Goals Planning System (GPS)
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” towards their financial goals.
Click here to learn moreMONTHLY OUTLOOKS & UPDATES
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
2022 Outlook Call with Lisa Shalett and Mike Wilson
Mike Wilson, Chief Investment Officer & Chief US Equity Strategist, Morgan Stanley & Co., and Lisa Shalett, Wealth Management Chief Investment Officer and Head of the Global Investment Office, discuss their 2022 market outlook. Click the link below to listen to the full conversation.
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"
Your Guide to Tax-Efficient Planning
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan. Utilizing these strategies can help you enjoy more of your nest egg.
Learn more here
Five Ways to Spring-Clean Your Finances
A lot can pile up over a year, or just a season. Here are five tips to help you tidy up, declutter and organize your finances this spring.
Read: "Five Ways to Spring-Clean Your Finances"
Help Simplify Your Life through Financial Consolidation
Suffering from “account sprawl” because your various accounts are housed at many different financial institutions? New account options can help.
Read: "Help Simplify Your Life through Financial Consolidation"
Digital Vault
Digital Vault lets you easily and conveniently manage and share life's most important documents, such as wills, deeds and estate plans as well as financial and tax filings.
Learn more about Digital Vault
How to Protect Your Mobile Phone
Your mobile phone makes it easier to connect with friends and family, improve your efficiency, and simplify your daily activities. Make sure that you are taking the necessary steps to protect your mobile phone.
Learn moreLocation
400 Convention St
Ste 400
Baton Rouge, LA 70802
US
Direct:
(225) 237-3143(225) 237-3143
Meet The Denham and Lillich Team
Lynne L. Fagan
Client Service Associate
Phone:
(225) 237-3125(225) 237-3125
About Micah Lillich
Micah Lillich serves a broad range of client financial needs through a consistently high level of personalized service and support. He assist clients with a wide range of financial needs, focusing on investment and insurance planning strategies, retirement distribution planning and portfolio allocations tailored to each client’s needs and risk tolerance.
Micah earned the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation and holds the Series 7 and 66 securities registrations. He earned a Masters of Business Administration and Bachelor of Science in Finance from Louisiana State University (LSU) where he remained on the Dean’s List for ten consecutive semesters. He is an alumnus of Sigma Chi Fraternity.
Prior to Morgan Stanley, Micah spent time as a financial advisor at LPL Financial, working alongside partner Angela Denham. In the summer of 2017, the duo transitioned over from LPL Financial, forming The Denham and Lillich Team at Morgan Stanley.
Originally from Shreveport, LA, Micah graduated from C.E. Byrd High School where he played Lacrosse for three Louisiana State Championship Teams, as well as one Texas State runner-up team. Micah enjoys playing golf, hunting and fishing. He and his wife Brooke reside in Thibodaux and are the proud parents of two daughters and two sons; Mary Catherine, Elizabeth "Betsy", Harrison and Hayes.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Micah earned the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation and holds the Series 7 and 66 securities registrations. He earned a Masters of Business Administration and Bachelor of Science in Finance from Louisiana State University (LSU) where he remained on the Dean’s List for ten consecutive semesters. He is an alumnus of Sigma Chi Fraternity.
Prior to Morgan Stanley, Micah spent time as a financial advisor at LPL Financial, working alongside partner Angela Denham. In the summer of 2017, the duo transitioned over from LPL Financial, forming The Denham and Lillich Team at Morgan Stanley.
Originally from Shreveport, LA, Micah graduated from C.E. Byrd High School where he played Lacrosse for three Louisiana State Championship Teams, as well as one Texas State runner-up team. Micah enjoys playing golf, hunting and fishing. He and his wife Brooke reside in Thibodaux and are the proud parents of two daughters and two sons; Mary Catherine, Elizabeth "Betsy", Harrison and Hayes.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Securities Agent: AR, CO, OH, AL, TX, TN, LA, GA, AZ, NY, NC, PA, HI, MS, MD, CA, WA, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1785343
AR Insurance License #: 16958890
NMLS#: 1785343
AR Insurance License #: 16958890
About Lynne L. Fagan
Lynne Fagan began her financial services industry career in 1985, and brings more than 30 years of experience to The Denham and Lillich Team at Morgan Stanley. Lynne has worked closely with Angela Denham since 2003 as Executive Assistant and Office Manager, prior to her current role as Client Service Associate.
Lynne plays an integral role on the team, as she is often the first point of contact for clients calling in with questions about their accounts or to learn more about the many services we provide. Her vast responsibilities include handling client correspondence and working closely with our clients and team members to ensure that account documentation is properly completed and processed. Lynne is also in charge of planning client events. She is committed to ensuring that each of our clients are provided the access, timely information and proactive communication they depend on in the caring and friendly manner they have come to rely on from our team.
Lynne was born and raised in Houma and resides in Schriever, LA. She has three beautiful daughters Melissa, Jessica and Emilee, and six grandchildren August, Journey, Soren, Brandt and twins Channing and Harper. Lynne enjoys spending time with her family and gardening.
Lynne plays an integral role on the team, as she is often the first point of contact for clients calling in with questions about their accounts or to learn more about the many services we provide. Her vast responsibilities include handling client correspondence and working closely with our clients and team members to ensure that account documentation is properly completed and processed. Lynne is also in charge of planning client events. She is committed to ensuring that each of our clients are provided the access, timely information and proactive communication they depend on in the caring and friendly manner they have come to rely on from our team.
Lynne was born and raised in Houma and resides in Schriever, LA. She has three beautiful daughters Melissa, Jessica and Emilee, and six grandchildren August, Journey, Soren, Brandt and twins Channing and Harper. Lynne enjoys spending time with her family and gardening.
Contact Micah Lillich
Wealth Management
From Our Team
How Can Trusts Help Me Achieve My Wealth Goals?
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Ready to start a conversation? Contact The Denham and Lillich Team 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5Morgan Stanley Smith Barney LLC 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
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5Morgan Stanley Smith Barney LLC 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
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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)
