Todd H Doolan
Executive Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(207) 771-0812(207) 771-0812
The Doolan/Eldredge Group at Morgan Stanley
Portland:
(207) 771-0800(207) 771-0800
Toll-Free:
(800) 442-6722(800) 442-6722
Our Mission Statement
Delivering the experience, global resources, and personalized service needed to help affluent families, small business owners and medical professionals address their most complex wealth management issues.
Our story
At The Doolan/Eldredge Group, we focus on what is most important to you, your family and your future. With a combined experience of over 60 years and the distinction of having a Certified Financial Planner™ on the team, we provide the personalized service, specialized skills and global resources needed to make more informed and confident decisions about your wealth.
We have a commitment to making a meaningful difference in your financial life through the delivery of six core values that have become the hallmark of our practice:
• Deep and caring relationships that span generations
• Competence through extensive experience
• Proven processes that drive results
• A focus on financial education
• The value of teamwork
• A commitment to proactive service
•Giving back to the community
Organization, Efficiency and Control
With offices in Portland and clients all over the country, our strength lies in our ability to understand and respond to your specific financial needs as they evolve over time.
We are committed to delivering objective advice through organization, efficiency and control – three factors that empower you to make thoughtful decisions. Most importantly, we help you take the emotion out of making these decisions, bringing a disciplined process to smart money management.
We look forward to getting started.
The Doolan/Eldredge Group is a small, accessible boutique that seeks to leverage the vast array of Morgan Stanley resources which allows us to help deliver customized solutions to each of our clients. Our success lies in our collective knowledge of global allocation strategies, fixed income securities, tax efficient strategies, alternative investments, liquidity solutions and estate planning strategies.
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. The strategies and/or investments discussed in this material may not be appropriate for all investors. Morgan Stanley Wealth Management recommends that investors independently evaluate particular investments and strategies, and encourages investors to seek the advice of a Financial Advisor. The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives.
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. 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.
We have a commitment to making a meaningful difference in your financial life through the delivery of six core values that have become the hallmark of our practice:
• Deep and caring relationships that span generations
• Competence through extensive experience
• Proven processes that drive results
• A focus on financial education
• The value of teamwork
• A commitment to proactive service
•Giving back to the community
Organization, Efficiency and Control
With offices in Portland and clients all over the country, our strength lies in our ability to understand and respond to your specific financial needs as they evolve over time.
We are committed to delivering objective advice through organization, efficiency and control – three factors that empower you to make thoughtful decisions. Most importantly, we help you take the emotion out of making these decisions, bringing a disciplined process to smart money management.
We look forward to getting started.
The Doolan/Eldredge Group is a small, accessible boutique that seeks to leverage the vast array of Morgan Stanley resources which allows us to help deliver customized solutions to each of our clients. Our success lies in our collective knowledge of global allocation strategies, fixed income securities, tax efficient strategies, alternative investments, liquidity solutions and estate planning strategies.
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. The strategies and/or investments discussed in this material may not be appropriate for all investors. Morgan Stanley Wealth Management recommends that investors independently evaluate particular investments and strategies, and encourages investors to seek the advice of a Financial Advisor. The appropriateness of a particular investment or strategy will depend on an investor’s individual circumstances and objectives.
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. 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.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
What differentiates us?
While the strategies and solutions we provide are broad in scope, our approach is tailored to specific needs. We deliver the personalized attention you expect, as we build a structured plan focused on achieving your financial and legacy goals. Here is a brief overview of the solutions we offer:
In-Depth Financial Planning
Iain earned the distinction of holding a CERTIFIED FINANCIAL PLANNER™ designation. Our group designs comprehensive financial plans for our clients using Lifeview Analysis. These plans are stress tested and compared through multiple financial planning scenarios.
Deep and Reliable Client Service Model
Each client hears from us on a regular basis and is prepared with a customized asset allocation unique to each client's situation and needs.
Legacy Planning
Delivering an estate to the next generation or favorite charity requires more attention than families often commit. Coordinating with outside estate tax professionals, we align estate planning goals with the appropriate asset titling and beneficiary designation requirements, while incorporating tax minimization strategies to help enhance results.
Tax Sensitivity
We have a unique ability to integrate with our client's team including their CPA, Estate Attorney, etc. Additionally, we provide year-end tax reviews to help remove avoidable capital-gains, and use municipal bonds when appropriate.
Alternative Investments
Our leading 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
Long Term Care Analysis
Based on client asset level and individual situation, we will look at options for the potential coverage of 10–12 hour day of in-home care, and about 60% of the private room nursing home cost for client's respective state.
By Your Side For All of Life's Milestones
Our practice is built on the development of deep and enduring relationships and the delivery of comprehensive wealth management services.
We work with a broad range of clients who value and respect the advice we carefully cultivate for them in seeking the achievement of the following goals:
- Simplify their financial life
- Plan for an enjoyable retirement
- Manage risk and protect their family
- Minimize investment related taxes through advanced strategies
- Liquidity Solutions
- Educate the next generation on how to manage wealth and carry family values forward
- Estate Planning
The solutions we recommend are carefully coordinated to help provide you with the knowledge, tools and resources needed to succeed in today’s fast-paced world.
We are here to help you make informed decisions on any financial issue.
We work with a broad range of clients who value and respect the advice we carefully cultivate for them in seeking the achievement of the following goals:
- Simplify their financial life
- Plan for an enjoyable retirement
- Manage risk and protect their family
- Minimize investment related taxes through advanced strategies
- Liquidity Solutions
- Educate the next generation on how to manage wealth and carry family values forward
- Estate Planning
The solutions we recommend are carefully coordinated to help provide you with the knowledge, tools and resources needed to succeed in today’s fast-paced world.
We are here to help you make informed decisions on any financial issue.
We Typically Accept Referrals From:
- Attorneys
- Accountants
- Existing Clients
Our Clients Include
- Multigenerational families
- Small business owners
- Medical professionals
- High net worth individuals
In The Press
Thanks to the unwavering commitment to help clients and families achieve their financial goals, Todd and Iain have been awarded the following industry awards and recognition.
Forbes Best In-State Wealth Management Team
The Doolan Eldredge Group earned the recognition of being named to Forbes Magazine's inaugural Best In-State Wealth Management Teams in Maine for both 2023, 2024, and 2025. This prestigious list contains teams with proven track records of success, according to SHOOK Research.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based on time period from 3/31/23-3/31/24.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based on time period from 3/31/23-3/31/24.
Best In-State Wealth Advisor
Each year, Forbes Magazine releases a list of hand selected and ranked advisors. In order to make this list, advisors must be nominated by their firm, researched, interviewed and assigned a rank by SHOOK Research. Todd has made the list of Best In-State Wealth Advisors for the state of Maine from 2018-2023.
2018-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2018-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Top Next Generation Wealth Advisor
Forbes Magazine spotlights young Financial Advisors across the United States who excel in their field. Iain was named a Forbes Top Next Generation Wealth Advisor in 2022, 2023 (#1 in State), 2024 and 2025.
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2025) Data compiled by SHOOK Research LLC based on time period from 3/31/23 - 3/31/24.
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2025) Data compiled by SHOOK Research LLC based on time period from 3/31/23 - 3/31/24.
Barron Magazine Top 1200 Financial Advisors
Each year, Barron Magazine releases a list of the top 1200 Financial Advisors. From 2014 to 2023 Todd has been recognized as being a member of this prestigious list.
2014-2023 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2014-2023). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
2014-2023 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2014-2023). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Morgan Stanley Wealth Management President's Club
From 2012 to 2019, Todd Doolan had been a consistent member of the President's Club at Morgan Stanley Wealth Management, an elite group comprised of the firm's top Financial Advisors.
Morgan Stanley Master's Club
Todd Doolan was named to Morgan Stanley's Master's Club, a prestigious club comprised of the firm's top Financial Advisors, for his consistent management service to his clients exclusive to the firm's top Financial Advisors from 2020 to 2023
Morgan Stanley Pacesetter's Club
Morgan Stanley produces a yearly recognition program for Financial Advisors who, in their first five years of practicing, demonstrate the highest professional standards and first class client service. Iain had been recognized by Morgan Stanley as a member of this club from 2016 to 2020.
Modern Wealth Tools
In a world becoming increasingly digital, Morgan Stanley employs a comprehensive suite of digital resources that have been carefully designed to enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
Morgan Stanley Online and Mobile App
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances, pay your bills and invest with the help of this handy resource that is available 24/7.
Read this to learn more
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Read this to learn more
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested with the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Read this to learn more
eAuthorization
eAuthorization allows clients to electronically authorize domestic and international, one-time/recurring transactions through Morgan Stanley Online and the Morgan Stanley Mobile App.
eAuthorization leverages multiple strong factors of authentication to confirm your identity, which significantly mitigates security risks.
Read this to learn moreeAuthorization leverages multiple strong factors of authentication to confirm your identity, which significantly mitigates security risks.
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started TodayLocation
100 Middle St
3rd Fl
Portland, ME 04101
US
Direct:
(207) 771-0800(207) 771-0800
Toll-Free:
(800) 442-6722(800) 442-6722
Meet The Doolan/Eldredge Group
Iain C. Eldredge, CFP®
First Vice President, Wealth Management, Financial Advisor, Portfolio Management Director, Financial Planning Specialist
Phone:
(207) 771-0824(207) 771-0824
Christopher Copeland
Financial Advisor
Phone:
(207) 771-0810(207) 771-0810
Theresa Coburn
Wealth Management Associate
Phone:
(207) 771-0844(207) 771-0844
Julia Curran
Registered Client Service Associate
Phone:
(207) 771-0851(207) 771-0851
About Todd H Doolan
As a Portfolio Manager, Todd manages the selection, performance and risk in our portfolios. Having grown up outside of New York and with a father in the business, Todd always knew he wanted to work on Wall Street. After graduation from Brown University in 1985, he became an Institutional Equity Trader for Lehman Brothers. He and his wife relocated to Maine in 1989 when he became a Financial Consultant for Smith Barney.
Todd has served as past President of the Rotary Club of Freeport and as an Assistant Governor of Rotary District #7780. Todd is also a past Board Member of Freeport Community Services and the TriTown Little League. Todd currently mentors disadvantaged teens through the Seeds of Independence Jump-Start program. Recently Todd helped get the Brown Club of Maine started, he served as the club president from 2013 until end of 2018 and remains a board member. Todd and his wife Cindy currently live in South Freeport, Maine and have two adult children. In Todd’s spare time he enjoys pickleball, skiing, and traveling with his family.
Todd was selected as Barron’s Magazine Top 1200 Financial Advisors in 2014-2023, achieving the #1 ranking in Maine from ‘16-’19. Todd was also named to Forbes’ Magazine Best-In-State Wealth Advisors in 2018-2025 (#1 in Maine in 2019).
Source: Barrons.com (Awarded 2014-2022). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award
2018-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Todd holds his Series 7, 63 and 65. He is also licensed to offer life insurance, annuities and long-term care.
Todd has served as past President of the Rotary Club of Freeport and as an Assistant Governor of Rotary District #7780. Todd is also a past Board Member of Freeport Community Services and the TriTown Little League. Todd currently mentors disadvantaged teens through the Seeds of Independence Jump-Start program. Recently Todd helped get the Brown Club of Maine started, he served as the club president from 2013 until end of 2018 and remains a board member. Todd and his wife Cindy currently live in South Freeport, Maine and have two adult children. In Todd’s spare time he enjoys pickleball, skiing, and traveling with his family.
Todd was selected as Barron’s Magazine Top 1200 Financial Advisors in 2014-2023, achieving the #1 ranking in Maine from ‘16-’19. Todd was also named to Forbes’ Magazine Best-In-State Wealth Advisors in 2018-2025 (#1 in Maine in 2019).
Source: Barrons.com (Awarded 2014-2022). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award
2018-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Todd holds his Series 7, 63 and 65. He is also licensed to offer life insurance, annuities and long-term care.
Securities Agent: MI, MA, GA, AZ, PA, AL, NV, VT, TX, SC, OH, CT, WA, TN, NY, NJ, ME, CA, MN, DC, CO, VA, NH, IL, IA, WI, UT, RI, ID, MD, FL, OR, NC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1798909
NMLS#: 1798909
About Iain C. Eldredge
Since joining Morgan Stanley in 2012, Iain has designed financial plans for a variety of clients ranging from small business owners to multi-generational families. In 2019 he completed his education and exam requirements to become a CERTIFIED FINANCIAL PLANNER™ professional to further enhance his knowledge base surrounding financial planning and ability to meet client needs. This experience allows him to tailor a financial plan and customized portfolio for each client’s goals, risk tolerance and time frame.
Iain is a graduate of Brown University where he earned a bachelor’s degree in Economics and played soccer for a national caliber program.
Iain grew up in Cumberland, ME and attended Greely High School. After Brown he spent time with world renowned Vail Resorts via the Vail Mountain Club – this experience helped him to see firsthand what exceptional client service is all about.
Iain was a founding member of the Brown Club of Maine, serving as an events coordinator from 2013-2018 before becoming a board member. Iain is currently a member of the Maine Estate Planning Council. Iain is also a volunteer coach with the Greely High School Boys’ Varsity soccer team and has held prior positions with Seacoast Maine. Iain now resides in Portland, Maine with his wife Emma and their two young children. Outside of work Iain enjoys coaching soccer, skiing and reading.
Iain was selected to Forbes' Top Next-Gen Wealth Advisors Best-In-State list for 2025, 2024, 2023 (#1 in State) and 2022.
Source: Forbes.com (Awarded Aug 2025). Data compiled by SHOOK Research LLC based on time period from 3/31/24 – 3/31/25.
Iain was named to Morgan Stanley Pacesetter's Club from 2016 - 2020 - a recognition program for Financial Advisors who, within their first years, demonstrate the highest professional standards and first class service.
Iain holds his Series 7, 63, 65. He is also licensed to offer life insurance, annuities and long-term care.
Iain is a graduate of Brown University where he earned a bachelor’s degree in Economics and played soccer for a national caliber program.
Iain grew up in Cumberland, ME and attended Greely High School. After Brown he spent time with world renowned Vail Resorts via the Vail Mountain Club – this experience helped him to see firsthand what exceptional client service is all about.
Iain was a founding member of the Brown Club of Maine, serving as an events coordinator from 2013-2018 before becoming a board member. Iain is currently a member of the Maine Estate Planning Council. Iain is also a volunteer coach with the Greely High School Boys’ Varsity soccer team and has held prior positions with Seacoast Maine. Iain now resides in Portland, Maine with his wife Emma and their two young children. Outside of work Iain enjoys coaching soccer, skiing and reading.
Iain was selected to Forbes' Top Next-Gen Wealth Advisors Best-In-State list for 2025, 2024, 2023 (#1 in State) and 2022.
Source: Forbes.com (Awarded Aug 2025). Data compiled by SHOOK Research LLC based on time period from 3/31/24 – 3/31/25.
Iain was named to Morgan Stanley Pacesetter's Club from 2016 - 2020 - a recognition program for Financial Advisors who, within their first years, demonstrate the highest professional standards and first class service.
Iain holds his Series 7, 63, 65. He is also licensed to offer life insurance, annuities and long-term care.
Securities Agent: MA, TX, MD, GA, FL, CA, ID, IA, AL, NH, ME, WI, UT, RI, OR, MN, PA, NY, MI, DC, AZ, VA, IL, CT, NJ, NC, VT, SC, OH, CO, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 1682651
NMLS#: 1682651
About Christopher Copeland
Chris Copeland joined The Doolan/Eldredge Group in 2024 as a part of the Financial Advisor Associate (FAA) program, after a successful fifteen-year career at the intersection of healthcare, technology, and finance. Chris’ ability to form meaningful relationships allows him to work proactively with clients to understand their financial goals and develop personalized strategies to achieve them.
In 2009, Chris graduated from Colby College with a double major in History and Political Science, while also training as a three-sport athlete in football, ski racing, and track. Chris is a native of Clifton Park, NY, and after a decade of living in Portland now resides in Cape Elizabeth, ME with his wife, Mary and their two young boys, Teddy and William. Outside of work, Chris spends his free time running, skiing, cooking, and gardening.
Chris holds his Series 7, 66, and Life & Health Insurance licenses, as well as his Financial Planning Specialist (FPS) designation.
In 2009, Chris graduated from Colby College with a double major in History and Political Science, while also training as a three-sport athlete in football, ski racing, and track. Chris is a native of Clifton Park, NY, and after a decade of living in Portland now resides in Cape Elizabeth, ME with his wife, Mary and their two young boys, Teddy and William. Outside of work, Chris spends his free time running, skiing, cooking, and gardening.
Chris holds his Series 7, 66, and Life & Health Insurance licenses, as well as his Financial Planning Specialist (FPS) designation.
Securities Agent: OH, SC, NC, IA, CT, NJ, ME, MD, IL, TX, ID, FL, CO, AL, RI, AZ, WA, GA, NY, UT, NV, WI, MN, MA, NH, DC, CA, PA, MI, VT, OR, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 2701367
NMLS#: 2701367
About Theresa Coburn
Terry is the main operational contact including account related services, proactively resolving client issues and concerns. Terry is also responsible for taking and placing customer orders in brokerage and advisory accounts. Terry’s career in financial services began 35 years ago with A.G. Edwards and Sons in their operations department after a career as a fashion boutique owner. Terry has been with Morgan Stanley for the past 25 years. In addition to recently earning her Portfolio Associate designation she also earned the title Wealth Management Associate which reflects her experience and ability to be proactive on behalf of the team. Her passions outside of work are her son Finn, traveling, sports, music and great food.
Terry holds her Series 7, 63 and 66.
Terry holds her Series 7, 63 and 66.
About Julia Curran
Julia operates alongside Terry as a Registered Client Service Associate, responsible for executing money movement orders, assisting with Morgan Stanley Online inquiries, and more. Julia joined us in December of 2024 following her graduation from Bentley University, where she earned a bachelor’s degree in finance. She is a native Mainer, who now calls Portland home. Her interests outside of work include skiing, travelling, and going on walks with her dog, Hazel.
Julia holds her Series 7 and 66.
Julia holds her Series 7 and 66.
Contact Todd H Doolan
Contact Iain C. Eldredge
Contact Christopher Copeland
Wealth Management
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CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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.
2Alternative 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.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Morgan 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.
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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.
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.
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*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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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.
2Alternative 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.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Morgan 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.
5Morgan 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.
6Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Morgan 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
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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
