Managing Director, Wealth Management, International Client Advisor, Family Wealth Director
Phone:
(212) 315-6338(212) 315-6338
The Diamond Lake Wealth Management Group at Morgan Stanley
Our Mission Statement
We employ tax efficient strategies to preserve your family's legacy while maximizing your wealth
Our Story and Services
The Diamond Lake Wealth Management Group was founded by two working mothers, Michelle Ward and Monica Jaramillo-Tatis. We are dedicated to empowering women through mentoring and financial literacy. Women are often the primary care givers to their children and aging parents. We hope that our assistance will give you the tools to create a work-life balance, where your work is built around your lives, instead of your lives around your work. Ultimately, our goal is to help you achieve financial autonomy, and pass down your family values and your legacy in the way that you envision.
Composed of team members from Latin America, the Caribbean, and the United States, the Diamond Lake Wealth Management Group has multi-cultural, multi-lingual and multi-regulatory expertise. The diverse cultural backgrounds of our team members allow us to understand how your culture and values drive your decision making. As a result, we are able to offer global perspectives and tailored advice across generations on virtually any wealth challenge or opportunity.
Combined with the partners' multi-decade institutional and wealth-management experiences, our group is able to provide innovative and efficient strategies for our clients by connecting ideas, products, and services offered by Morgan Stanley and a select group of external partners. This allows us to help multi-generational families in North and South America to effectively manage your capital by utilizing wealth education and tax efficient asset transfer and management strategies. Our group also help institutions to partner with Morgan Stanley for all their capital market needs.
Composed of team members from Latin America, the Caribbean, and the United States, the Diamond Lake Wealth Management Group has multi-cultural, multi-lingual and multi-regulatory expertise. The diverse cultural backgrounds of our team members allow us to understand how your culture and values drive your decision making. As a result, we are able to offer global perspectives and tailored advice across generations on virtually any wealth challenge or opportunity.
Combined with the partners' multi-decade institutional and wealth-management experiences, our group is able to provide innovative and efficient strategies for our clients by connecting ideas, products, and services offered by Morgan Stanley and a select group of external partners. This allows us to help multi-generational families in North and South America to effectively manage your capital by utilizing wealth education and tax efficient asset transfer and management strategies. Our group also help institutions to partner with Morgan Stanley for all their capital market needs.
Services Include
- Alternative InvestmentsFootnote1
- Asset Management
- Estate Planning StrategiesFootnote2
- Financial PlanningFootnote3
- Philanthropic ManagementFootnote4
- Trust AccountsFootnote5
- Structured ProductsFootnote6
- Wealth PlanningFootnote7
- Art AdvisoryFootnote8
- Life InsuranceFootnote9
- AnnuitiesFootnote10
- Endowments and FoundationsFootnote11
- Business Succession PlanningFootnote12
- Professional Portfolio ManagementFootnote13
- Cash Management and Lending ProductsFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
Institutional Clients
Our partner has worked as an institutional asset manager for over 20 years. The experiences and expertise allow the team to fully understand the culture, challenges and opportunities within your organization. By leveraging Morgan Stanley’s vast resources, we are able to deliver innovative strategies to meet your dynamic needs in the capital markets.
Wealth Management Clients
Our Wealth Management Practice has been instrumental in helping clients and their families protect and preserve wealth across generations. The team’s access to a vast array of resources, combined with our knowledge and expertise, allow us to provide advice on a myriad of issues. More importantly, we’ve found that our clients have really come to appreciate our ability to:
Provide Liquidity
Liquidity and lending resources to help effectively manage cash flow needs through our Private Banks.
Learn More About Our Private BankingBuild a Legacy Beyond Assets
We seek to understand your family's story and build a strategy to help pass down assets, values, and educate the next generation.
Learn More About Our Investment ManagementAccess to Co-Investment Opportunities
From exclusive alternative investment to white label funds, we can meet any investment need through our Investment Management.
Specialty Services For Significant Wealth
We orchestrate the execution of key services that impact families with significant wealth from family governance and education to complex estate planning.
Execute Business Exit Strategies
We help to raise and maximize capital through IPOs, Buying & Selling Business through our Investment Bank.
Learn More About Our Investment BankingDirect Access to a Dedicated Support Team
We aim to provide outstanding service and access to a team of professional to handle questions or concerns you may have in a timely manner.
Work with External Partners
We often collaborate with professionals across Morgan Stanley, as well as others within the industry. We can work in tandem with your other advisors and Morgan Stanley's external partners to help you ensure each recommendation is fully aligned and implemented.
Ongoing Education
Financial education is a vital element of our practice and helps with continuity as wealth moves from one generation to the next. From retirement planning to asset allocation modeling and cash flow analysis, we are here to guide you through virtually every financial situation you may encounter.
HOLISTIC WEALTH PLANNING
Holistic Wealth Planning
Morgan Stanley has developed a holistic offering to serve Family Offices and investors with north of 500 million US dollars in total net worth. The service spans across providing investment advice, administrative support and subject matter expertise across a variety of topics that are important when managing significant wealth.
- Our objective is to enhance investment management decision-making and alleviate administrative complexities so that families can better strive to meet their goals and focus on the things that matter to them.
- Our capabilities allow Morgan Stanley to act in a fiduciary capacity on the portfolio (regardless of where the investments are custodied), while delivering consolidated tax-lot level accounting and reporting across custodians through an institutional quality platform.
- We strive to complement the investor's current structure, giving them leverage through infrastructure and investment management capabilities, as well as the breadth of Morgan Stanley.
Benefits for our Clients: Investment consulting and Portfolio Administration
- Serve as a fiduciary by advising on investments held across the entire portfolio (including those custodied outside of Morgan Stanley).
- Our construct allows us to be flexible around the client as their needs evolve over time (e.g., as the composition of their portfolio changes, as they come into a liquidity event, as they establish a framework for the next generation, etc.). We still act as a fiduciary on their entire portfolio even if they choose to have their assets held at different places. We truly become their partner in evaluating investments holistically within the context of their goals and objectives.
- We have a dedicated team responsible for sourcing new ideas, plus we can tap into Morgan Stanley's network and the other sophisticated Family Offices within our ecosystem.
- Utilizing us allows your clients to get depth and expertise in any space instantaneously; and also allows them to pivot freely as market dynamics, opportunities or priorities shift.
- Perform comprehensive due diligence on investment opportunities, as well as review existing investments.
- Diligence is performed by a team of ~65 people, which naturally becomes an extension of their Family Office.
- We vet the opportunities that the client brings to us, and our investment and operational diligence teams will perform the fulsome diligence they would if the opportunity were being brought for distribution on the MS platform.
- As investment opportunities come their way, we become the voice of reason if the investment doesn't make sense via their objectives and they have to say no to a family member/friend/acquaintance.
- We bear the risk of the investment decision-making for those investments under our diligence purview.
- Keeping track of growing portfolios continues to become more difficult over time. MSFS allows clients to track every cent in one place, so they have one consistent and consolidated view. Regardless of the type of asset or where the asset is held (doesn't need to be @ MS), MSFS can reflect the asset in the books and records.
- With this MSFS infrastructure in place, our investment team has the transparency that will allow us to bring clients our most robust investment management capabilities. When we can see the entire portfolio alongside the family, we can think about things holistically and make better, smarter, faster decisions.
- There are many differentiators of MSFS vs. other third party platforms that clients may consider to help aggregate their assets, but the most important ones are the richness and accuracy of the data and service model. The core of the MSFS offering is a full service accounting platform, with dedicated accountants serving each of our clients, enabled by proprietary technology. We provide the client with tax-lot level books and records down to the transaction level, and produce working papers for tax purposes. Other common providers are not true accounting systems. We do not just take downstream custodial feeds and play them back on a reporting tool – we reconcile those feeds to the upstream data directly from the executing broker dealer daily. Upon the basis of accurate and verified data, we offer industry-leading analytics tools, reporting and cash management functions.
Benefits for Clients: Our Specialized Subject Matter Experts
- Tax, Trust & Estate: Holistic analysis of tax, trust and estate solutions to help preserve wealth.
- Family Governance: Family-focused offering to help address family dynamics and other human capital challenges.
- Philanthropy: Suite of services to help define and execute on charitable missions.
- Wealth Education: Programs to help build financial knowledge.
- Signature Access Lifestyle Advisory: Access to a referral network that can offer an array of specialty services (e.g., private jet advisory).
- Insured Solutions: Comprehensive insurance offering across providers and products.
- Tailored Lending: Cash management and borrowing.
- Easily accessible subject matter experts who can address the complex, multifaceted challenges of managing significant wealth and help equip them with best practices and executable solutions.
OUR FIRM'S HISTORY
Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values: Do the Right Thing, Put Clients First, Lead with Exceptional Ideas, Commit to Diversity and Inclusion, and Give Back.
Our History
Explore our new interactive historical timeline to learn about Morgan Stanley through the decades - from our foundational years to building smarter wealth in modern times.
A Bank Built on Integrity
A documentary highlighting all of the people and moments that define Morgan Stanley
Morgan Stanley Wealth Management
Established in 1935, Morgan Stanley has been a global leader in financial services, with the scale and stability to help bring you valuable opportunities. Our priority is managing wealth with the highest standard of care and providing financial advice to help support your goals at any stage of life.
OUR FUTURE
It is no secret that our economy and our world are evolving at a rapid pace, and with that, we must be cognizant of the changes taking place in how we invest. Take a look at these futuristic sectors and click on the links to learn more.
How Generative AI Could Reshape Work
Generative AI will likely affect a wide range of professions and create new occupations. Morgan Stanley economists break down the revolutionary technology’s near-term impacts on labor and the economy.
Click here to learn more
Artificial Intelligence and Robotics
Technology seems to be getting smarter by the minute, and artificial intelligence is on the verge of becoming a more common presence in our everyday lives. Learn about how robots and other forms of AI are taking the world by storm with their new and innovative technology.
Click here to learn more
Accelerating the Shift from Enablers to Adopters of AI
Our Head of Thematic Research in Europe previews the possible next phase of the AI revolution, and what investors should be monitoring as the technology gains adoption.
Click here to learn more
Decarbonization: The Race to Zero Emissions
These five emerging technologies could curb carbon emissions, halt climate change and offer new ways to invest in earth’s future.
Click here to learn more
Thoughts on the Market
Listen to perspectives on the forces shaping markets by clicking on the link below.
Listen to the Podcast
Sustainability at Morgan Stanley
Our sustainability strategy is focused on helping clients achieve their sustainability-related ambitions by providing advice, products and solutions. In addition, we aim to operate sustainably and to disclose our global progress. Acting as an integrated firm, we strive to accelerate sustainable finance and capture new opportunities that can bring positive long-term results, not only to clients and shareholders, but to the environment and society at large.
Click here to learn moreLocation
399 Park Ave
12th Fl.
New York, NY 10022
US
850 Morrison Drive
Ste 800
Charleston, SC 29403
US
Direct:
(843) 727-7728(843) 727-7728
Meet The Diamond Lake Wealth Management Group
Phone:
(843) 727-7728(843) 727-7728
Karen Reid
Wealth Management Associate
Phone:
(212) 307-2936(212) 307-2936
Olga Lopez
Portfolio Associate
Phone:
(212) 315-6388(212) 315-6388
About Sofia Michelle Ward
Michelle is a Managing Director, Family Wealth Director and International Client Advisor. She dedicates her skills to service a global clientele of uncommonly successful individuals and helps them optimize what their wealth can do for their families and their communities.
Michelle is a member of the President’s Club, an elite group comprising the Firm’s leading Financial Advisors. She served as President of Women in Wealth LIFT, the NY Metro Women’s Business Development Council from 2020-2021. She was named to the 2020 class of MAKERS at Morgan Stanley Wealth Management, a recognition that celebrates women who are groundbreakers, advocates, and innovators in their given field. She served as Co-Chair of Morgan Stanley’s International Wealth Management Council from 2018-2019.
Sofia Michelle has been ranked in the Financial Times Top 400 Advisors list in 2014-2016, Working Mother and SHOOK Research's Top Wealth Adviser Moms list in 2018-2021, and Forbes Magazine's list of America's Best-in-State Wealth Advisors in 2018 and 2021. In 2024, Sofia Michelle's team, The Diamond Lake Wealth Management Group at Morgan Stanley, was honored as one of Forbes Best-In-State Wealth Management Teams in New York.
Michelle graduated summa cum laude with a B.A. in Economics and Finance from the Universidad San Francisco de Quito. She has completed courses on Artificial Intelligence and Computer Science at MIT and Harvard. She is fluent in Spanish and English, and conversational in Italian and French.
Born in Ecuador, Michelle has lived in Belgium and England. She currently resides in Charleston, South Carolina and works out of the Morgan Stanley Wealth Management office in New York City. Outside of work, she enjoys hiking, traveling and spending time with her husband and their two children.
SOURCES:
2024 Forbes Best-In-State Wealth Management Team in New York
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23. (https://www.morganstanley.com/disclosures/awards-disclosure/)]
2014-2016 Financial Times 400 Top Financial Advisors
Source: ft.com. Data compiled by the Financial Times based the following time periods:
Awarded 2016; data 9/30/13 - 9/30/15
Awarded 2015; data 9/30/13 - 9/30/14
Awarded 2014; data 9/30/12 - 9/30/13
2018-2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2018-2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
2018, 2021 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2021.) Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Michelle is a member of the President’s Club, an elite group comprising the Firm’s leading Financial Advisors. She served as President of Women in Wealth LIFT, the NY Metro Women’s Business Development Council from 2020-2021. She was named to the 2020 class of MAKERS at Morgan Stanley Wealth Management, a recognition that celebrates women who are groundbreakers, advocates, and innovators in their given field. She served as Co-Chair of Morgan Stanley’s International Wealth Management Council from 2018-2019.
Sofia Michelle has been ranked in the Financial Times Top 400 Advisors list in 2014-2016, Working Mother and SHOOK Research's Top Wealth Adviser Moms list in 2018-2021, and Forbes Magazine's list of America's Best-in-State Wealth Advisors in 2018 and 2021. In 2024, Sofia Michelle's team, The Diamond Lake Wealth Management Group at Morgan Stanley, was honored as one of Forbes Best-In-State Wealth Management Teams in New York.
Michelle graduated summa cum laude with a B.A. in Economics and Finance from the Universidad San Francisco de Quito. She has completed courses on Artificial Intelligence and Computer Science at MIT and Harvard. She is fluent in Spanish and English, and conversational in Italian and French.
Born in Ecuador, Michelle has lived in Belgium and England. She currently resides in Charleston, South Carolina and works out of the Morgan Stanley Wealth Management office in New York City. Outside of work, she enjoys hiking, traveling and spending time with her husband and their two children.
SOURCES:
2024 Forbes Best-In-State Wealth Management Team in New York
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23. (https://www.morganstanley.com/disclosures/awards-disclosure/)]
2014-2016 Financial Times 400 Top Financial Advisors
Source: ft.com. Data compiled by the Financial Times based the following time periods:
Awarded 2016; data 9/30/13 - 9/30/15
Awarded 2015; data 9/30/13 - 9/30/14
Awarded 2014; data 9/30/12 - 9/30/13
2018-2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2018-2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
2018, 2021 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2021.) Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: TX, WY, MA, DC, NC, DE, SC, NY, KY, SD, CO, CA, FL; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1331971
NMLS#: 1331971
About Monica Jaramillo-Tatis
Monica Jaramillo-Tatis, pivots her career into Wealth Management, and we are thrilled that she has chosen to join us The Diamond Lake Wealth Management Group at Morgan Stanley!
Monica brings over 20 years of experience in customer service and entrepreneurship from one of the most competitive industries out there. She has deep knowledge about the wealth management needs of business owners and their families, which makes her a perfect fit for our team. Monica's new career allows her to strike a better balance between work and family life while continuing to do what she enjoys, helping others.
When Monica isn't entertaining her fun and curious 4-year-old daughter, who keeps her on her toes, Monica is either teaching her how to make the most perfect, smooth, velvety dark chocolate or biking with her husband, a native New Yorker and die-hard Yankees fan. Monica was born in Quito, loves South American food, and never misses an opportunity to watch Ecuador play in the FIFA World Cup.
Securities Agent: NC, VI, CT, DC, GA, NY, WY, CO, FL, DE, VA, MA, NJ, SC, TN, PA, SD, TX, KY, CA, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 2421801
Monica brings over 20 years of experience in customer service and entrepreneurship from one of the most competitive industries out there. She has deep knowledge about the wealth management needs of business owners and their families, which makes her a perfect fit for our team. Monica's new career allows her to strike a better balance between work and family life while continuing to do what she enjoys, helping others.
When Monica isn't entertaining her fun and curious 4-year-old daughter, who keeps her on her toes, Monica is either teaching her how to make the most perfect, smooth, velvety dark chocolate or biking with her husband, a native New Yorker and die-hard Yankees fan. Monica was born in Quito, loves South American food, and never misses an opportunity to watch Ecuador play in the FIFA World Cup.
Securities Agent: NC, VI, CT, DC, GA, NY, WY, CO, FL, DE, VA, MA, NJ, SC, TN, PA, SD, TX, KY, CA, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 2421801
Securities Agent: TX, MA, DC, FL, SC, CA, KY, WY, NC, NY, CO, DE, SD; General Securities Representative; Investment Advisor Representative
NMLS#: 2421801
NMLS#: 2421801
About Karen Reid
Karen began her career as a operational Associate at Shearson Lehman, after pursuing a degree in Business Administration with a minor in Investments.
With over 30 years in the industry and multiple years of experience as part of the management team, Karen pivoted her career to Trading and Client Service.
She enjoys working with clients to effectively and efficiently manage their needs and ensure exceptional service.
Karen currently resides in Westchester, NY, and enjoys officiating at swim meets, traveling and walking. She holds series 7, 63, and 66 licenses.
With over 30 years in the industry and multiple years of experience as part of the management team, Karen pivoted her career to Trading and Client Service.
She enjoys working with clients to effectively and efficiently manage their needs and ensure exceptional service.
Karen currently resides in Westchester, NY, and enjoys officiating at swim meets, traveling and walking. She holds series 7, 63, and 66 licenses.
About Olga Lopez
Olga graduated with a degree in Business Management and Finance from Brooklyn College in 2005. She is originally from Chile. Prior to Morgan Stanley, Olga was a VP office admin at Aplus Capital LLC. She also worked at Wells Fargo Advisors as a liaison for top financial advisors where she specialized in servicing UHNW Latam clients, she worked closely with legal, compliance, operations and investment areas, prior to Wells Fargo Advisors, Olga worked at UBS International. Olga holds Series 7, 63, 65 and 3. Olga Lives in Hudson heights, NYC with her family.
Contact Sofia Michelle Ward
Contact Monica Jaramillo-Tatis
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact The Diamond Lake Wealth Management Group today.
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
3Morgan 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.
4Products 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.
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.
6Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
7Morgan 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.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley does not assist with buying or selling art in any way and merely provides information to clients interested learning more about the different types of art markets at a high level. Any client interested in buying or selling art should consult with their own independent art advisor.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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, charitable giving, philanthropic planning and other legal matters.
12Morgan 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.
13Morgan 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.
14Morgan 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
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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.
3Morgan 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.
4Products 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.
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.
6Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
7Morgan 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.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley does not assist with buying or selling art in any way and merely provides information to clients interested learning more about the different types of art markets at a high level. Any client interested in buying or selling art should consult with their own independent art advisor.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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, charitable giving, philanthropic planning and other legal matters.
12Morgan 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.
13Morgan 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.
14Morgan 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
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
