Richard Rosu-Myles, CIMA®
Managing Director, Wealth Management, Financial Advisor, Senior Investment Management Consultant
Phone:
(207) 771-0845(207) 771-0845
The Downeast Group at Morgan Stanley
Richard Rosu-Myles, CIMA®Andrew P. Thomas, CIMA®Brian R. McHugh, CFP®, QPFC®, CPWA®Michael C. Melo, CFP®
Direct:
(207) 771-0800(207) 771-0800
Toll-Free:
(800) 442-6722(800) 442-6722
Industry Award WinnerOur Mission Statement
Empower and enrich the lives of our clients by delivering unparalleled personal service, offering guidance, and employing a comprehensive, goals-oriented approach to wealth management.
Our Story
The origin of the phrase “Downeast” is typically traced to nautical terminology referring to direction, rather than location. Throughout the 1800s, while sailors hauled goods up the coast of New England, a strong wind would often be at their backs pushing them along, or “downwind” in an easterly direction. One can understand how the two terms “down” and “east” soon came to be combined as an expression of intended direction.
The Downeast Group seeks to embody the spirit of the expression – propelling and guiding our clients to their intended destination.
As a seasoned wealth management team for over 25 years, our Portland-based practice has worked with a select group of affluent individuals and families who value our depth of knowledge and experience in providing comprehensive strategies that are tailored to achieve their most important goals.
The Downeast Group seeks to embody the spirit of the expression – propelling and guiding our clients to their intended destination.
As a seasoned wealth management team for over 25 years, our Portland-based practice has worked with a select group of affluent individuals and families who value our depth of knowledge and experience in providing comprehensive strategies that are tailored to achieve their most important goals.
Services Include
- Professional Portfolio ManagementFootnote1
- Retirement PlanningFootnote2
- Planning for Education FundingFootnote3
- Estate Planning StrategiesFootnote4
- Philanthropic ManagementFootnote5
- Cash Management and Lending ProductsFootnote6
- Business PlanningFootnote7
- Life InsuranceFootnote8
- Long Term Care InsuranceFootnote9
- Corporate Retirement PlansFootnote10
- Alternative InvestmentsFootnote11
- Sustainable InvestingFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Awards & Credentials
Forbes Best-In-State Wealth Management Teams (#1 in Maine in 2023 -2026)
Each year, Forbes Magazine releases a list of hand-selected and ranked wealth management teams to honor the top advisors and their teams in each state. From 2023-2026, The Downeast Group has been named to the list, ranking #1 in Maine in all four years!
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Barron's Top 1200 Financial Advisors (Andrew Thomas)
Barron's published its first financial advisor ranking in 2004 to shine a spotlight on the nation's best wealth managers and to raise standards in the industry. Andy has been named to this list of distinguished financial advisors in 2024 and 2025.
2024 Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barrons.com (Awarded 2024-2025). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
2024 Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barrons.com (Awarded 2024-2025). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Forbes Best In-State Wealth Advisor (Andrew Thomas & Richard Rosu-Myles)
Each year, Forbes Magazine spotlights the top financial advisors in each state. To be considered, advisors must be nominated by their firm, researched, interviewed, and assigned a rank by SHOOK Research. From 2022-2025, Andy and Rick have been named a Forbes Best In-State Wealth Advisor.
2022-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2022-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
CIMA® - Certified Investment Management Analyst ® (Richard Rosu-Myles & Andrew Thomas)
The CIMA® certification program covers five core topic areas and requires that candidates meet all eligibility requirements, including experience, education, examination, and ethics. Applicants must complete five steps to earn the certification.
The CIMA® certification program also requires that certificants complete three certification renewal requirements during each certification renewal period. Those who earn the certification must agree to meet ongoing continuing education requirements and adhere to Investments and Wealth Institute’s Code of Professional Responsibility and Standards of Practice.
The CIMA® certification program also requires that certificants complete three certification renewal requirements during each certification renewal period. Those who earn the certification must agree to meet ongoing continuing education requirements and adhere to Investments and Wealth Institute’s Code of Professional Responsibility and Standards of Practice.
CFP® - Certified Financial Planner™ (Brian McHugh & Michael Melo)
The Certified Financial Planner™ designation is awarded to candidates who have demonstrated expertise in the areas of Education, Investment, Tax, Retirement, Estate and Insurance planning. CFP® professionals must accrue several years of experience related to delivering financial planning services to clients and pass a comprehensive exam before calling themselves a CFP® Professional and are held to strict ethical standards to ensure financial planning recommendations are in the best interest of their clients.
CPWA® - Certified Private Wealth Advisor® (Brian McHugh)
Financial Advisors with the CPWA® designation have successfully completed coursework in advanced wealth management strategies and applied concepts and have passed a comprehensive examination covering the following areas: advanced tax planning, asset protection, executive compensation plans, stock options, tax-efficient portfolios, business planning, retirement planning, charitable planning, and estate planning.
QPFC - Qualified Plan Financial Consultant (Brian McHugh)
The Qualified Plan Financial Consultant (QPFC) designation reflects specialized training for professionals who work with qualified retirement plans and the organizations and participants they serve. An advisor who has earned the QPFC credential has demonstrated knowledge of retirement plan fundamentals and plan-specific considerations such as plan features, terminology, regulatory and fiduciary concepts, and the roles and responsibilities of retirement plan professionals helping them provide more informed guidance in this area.
Morgan Stanley Master's Club (Andrew Thomas and Richard Rosu-Myles)
Andy and Rick were 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.
Morgan Stanley Pacesetter's Club (Brian Mchugh)
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. Brian has been recognized by Morgan Stanley as a member of this club from 2020 to 2024.
COMPREHENSIVE WEALTH MANAGEMENT
The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
Services listed are provided by third parties, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley makes no representations regarding the appropriateness or otherwise of the products or services provided by any Services Provider(s). There may be additional service providers who offer this service, and you may wish to identify such other providers for comparative purposes. Morgan Stanley recommends that you interview such Service Provider(s), do thorough due diligence, and make your own independent decision.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Rebalancing does not protect against a loss in declining financial markets. There may be a potential tax implication with a rebalancing strategy. Investors should consult with their tax advisor before implementing such a strategy.
Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.
Portfolios using Environmental, Social and Governance (“ESG”) criteria, also known as sustainable or impact investing, may perform differently than those without such considerations. ESG focused investments may face market limitations, and there is no guarantee they will achieve better financial or sustainability outcomes.
When 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.
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
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
The Morgan Stanley Global Impact Funding Trust, Inc. (MS GIFT) is an organization described in Section 501(c)(3) of the Internal Revenue Code of 1986, as amended. MS Global Impact Funding Trust (MS GIFT) is a donor advised fund. Morgan Stanley Smith Barney LLC provides investment management and administrative services to MS GIFT. Back office administration provided by RenPSG, an unaffiliated charitable gift administrator.
Investments and services offered through Morgan Stanley Smith Barney LLC. Member SIPC.
CRC5327435 03/26
Services listed are provided by third parties, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley makes no representations regarding the appropriateness or otherwise of the products or services provided by any Services Provider(s). There may be additional service providers who offer this service, and you may wish to identify such other providers for comparative purposes. Morgan Stanley recommends that you interview such Service Provider(s), do thorough due diligence, and make your own independent decision.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Rebalancing does not protect against a loss in declining financial markets. There may be a potential tax implication with a rebalancing strategy. Investors should consult with their tax advisor before implementing such a strategy.
Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.
Portfolios using Environmental, Social and Governance (“ESG”) criteria, also known as sustainable or impact investing, may perform differently than those without such considerations. ESG focused investments may face market limitations, and there is no guarantee they will achieve better financial or sustainability outcomes.
When 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.
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
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
The Morgan Stanley Global Impact Funding Trust, Inc. (MS GIFT) is an organization described in Section 501(c)(3) of the Internal Revenue Code of 1986, as amended. MS Global Impact Funding Trust (MS GIFT) is a donor advised fund. Morgan Stanley Smith Barney LLC provides investment management and administrative services to MS GIFT. Back office administration provided by RenPSG, an unaffiliated charitable gift administrator.
Investments and services offered through Morgan Stanley Smith Barney LLC. Member SIPC.
CRC5327435 03/26
Our Approach
Managing Wealth Starts with Your Goals
We believe financial success begins with a comprehensive wealth strategy built around what matters most to you. We take the time to understand your priorities, clarify objectives, and implement strategies aligned to your needs. Whether you’re building wealth, investing for income, refining a retirement plan, or developing a distribution approach to support lifestyle and legacy goals, we’re here to guide you at every stage.
Unique Skills, Diverse Perspectives
As a team, we bring broader capabilities and a more responsive client experience than any one advisor can provide alone. You benefit from attentive, personalized service—supported by the breadth of resources and solutions available through Morgan Stanley. We strive to deliver a boutique experience backed by a global leader.
Earning Confidence Through Advice and Advocacy
Trust is built through consistency, transparency, and follow-through. We work closely with you to define objectives, evaluate alternatives, and select strategies that fit your circumstances. As your needs evolve, our goal is to become a valued resource—helping you make more informed decisions across the financial issues that impact your life.
Active Monitoring, Ongoing Connection
Even the strongest plan must adapt to change. We monitor progress, stay current on your financial position, and incorporate life events and external developments—such as tax-law changes—so your strategy remains aligned with your goals. Our disciplined review process is designed to keep you informed, connected, and on track.
RESOURCE CENTER
The Downeast Group is committed to providing the latest insight and resources available to be better informed in the current marketplace. The most current content available includes:
Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
Morgan Stanley Portfolio Insights
Digital Vault
Digital Vault is an encrypted document delivery, storage, and collaboration space for Morgan Stanley clients and their Advisor teams. Click the link below to learn more.
Read more
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC Weekly Research Report
Portfolio Risk Platform
You can't manage portfolio risk without seeing the full picture. This Morgan Stanley resource shows you where your investment exposures are and how they might affect your returns in different scenarios.
Read more hereLocation
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 Downeast Group
Andrew P. Thomas, CIMA®
Managing Director, Wealth Management, Financial Advisor, Senior Investment Management Consultant
Phone:
(207) 771-0855(207) 771-0855
Brian R. McHugh, CFP®, QPFC®, CPWA®
Vice President, Wealth Management, Financial Advisor
Phone:
(207) 771-0849(207) 771-0849
Michael C. Melo, CFP®
Vice President, Wealth Management Associate, Financial Planning Specialist
Phone:
(207) 771-0807(207) 771-0807
Lauren K. Stone
Portfolio Management Associate Director
Phone:
(207) 771-0850(207) 771-0850
Lily Marcu
Registered Client Service Associate
Phone:
(207) 771-0837(207) 771-0837
Lexi Hirning
Client Service Associate
Phone:
(207) 771-0850(207) 771-0850
About Richard Rosu-Myles
For more than 30 years, Rick has helped families build comprehensive financial plans and investment strategies designed to support long-term financial independence. In 2008, he earned the Certified Investment Management Analyst® (CIMA®) designation—an advanced credential focused on investment consulting and portfolio construction. In recognition of his commitment to delivering a broad range of wealth management services, Morgan Stanley named Rick to the Firm’s Master’s Club in 2018.
Rick joined Morgan Stanley in 1994 after serving as a two-year captain of the Boston University varsity basketball team. He credits his experience as a student-athlete with shaping the work ethic, leadership, and organizational discipline that continue to guide his approach with clients.
Deeply committed to his community, Rick has volunteered with Big Brothers Big Sisters for decades and has served as a Big Brother since 1996. He lives in Cape Elizabeth with his wife and two children and enjoys making the most of Maine’s outdoors—fishing, skiing, whitewater sports, snowmobiling, and cycling.
NMLS# 2260906
Rick joined Morgan Stanley in 1994 after serving as a two-year captain of the Boston University varsity basketball team. He credits his experience as a student-athlete with shaping the work ethic, leadership, and organizational discipline that continue to guide his approach with clients.
Deeply committed to his community, Rick has volunteered with Big Brothers Big Sisters for decades and has served as a Big Brother since 1996. He lives in Cape Elizabeth with his wife and two children and enjoys making the most of Maine’s outdoors—fishing, skiing, whitewater sports, snowmobiling, and cycling.
NMLS# 2260906
Securities Agent: GA, OK, NM, NJ, MD, IN, IL, VA, HI, VT, OR, MN, SC, NY, MT, MI, ID, AL, WI, MA, CT, ME, PA, NE, TX, TN, NV, NH, DE, DC, CA, UT, OH, ND, IA, FL, CO, WA, RI, NC, MO, AZ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2260906
NMLS#: 2260906
About Andrew P. Thomas
Drawing on more than 25 years of experience in financial planning, Andy works with successful families and business owners, bringing a disciplined, goals-based approach to wealth management. He focuses on financial planning, portfolio construction, and comprehensive strategy—taking the time to develop a deep understanding of each client’s personal, professional, and philanthropic priorities. By aligning advice with what matters most, Andy helps clients make informed decisions and translate complex financial considerations into a cohesive plan.
In recognition of his commitment to clients and the quality of his practice, Andy was named to Morgan Stanley’s Master’s Club in 2018, a distinction reserved for a select group of the Firm’s top Financial Advisors. Andy also holds the Certified Investment Management Analyst® (CIMA®) designation, reflecting advanced education and ongoing standards in investment consulting and portfolio construction, supporting Andy’s ability to deliver objective, research-informed guidance.
As part of his continued focus on serving multigenerational families, Andy earned Morgan Stanley’s Family Wealth Advisor (FWA) designation. This designation reflects his ability to work closely with families to understand not only their finances, but also the relationships, shared goals, and evolving priorities that shape decision-making over time.
Andy earned a Bachelor of Science in Civil Engineering from the University of Maine in 1995. After graduation, he spent five years as a consulting engineer before transitioning into wealth management. He also served eight years in the Army National Guard, with time in both the Mountain Infantry and Engineering Divisions—experience that continues to influence his structured, service-oriented approach with clients.
In recognition of his commitment to clients and the quality of his practice, Andy was named to Morgan Stanley’s Master’s Club in 2018, a distinction reserved for a select group of the Firm’s top Financial Advisors. Andy also holds the Certified Investment Management Analyst® (CIMA®) designation, reflecting advanced education and ongoing standards in investment consulting and portfolio construction, supporting Andy’s ability to deliver objective, research-informed guidance.
As part of his continued focus on serving multigenerational families, Andy earned Morgan Stanley’s Family Wealth Advisor (FWA) designation. This designation reflects his ability to work closely with families to understand not only their finances, but also the relationships, shared goals, and evolving priorities that shape decision-making over time.
Andy earned a Bachelor of Science in Civil Engineering from the University of Maine in 1995. After graduation, he spent five years as a consulting engineer before transitioning into wealth management. He also served eight years in the Army National Guard, with time in both the Mountain Infantry and Engineering Divisions—experience that continues to influence his structured, service-oriented approach with clients.
Securities Agent: GA, VA, OR, ID, CT, TN, RI, HI, DE, DC, CO, OK, CA, WY, NM, ND, UT, NY, NJ, NC, MO, WA, VT, MT, FL, PA, MN, MI, IN, TX, OH, NH, IA, AR, SC, ME, AZ, AK, NV, NE, MD, MA, IL, WI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2463340
NMLS#: 2463340
About Brian R. McHugh, CFP®, QPFC®, CPWA®
Brian works with a diverse group of clients—from business owners focused on tax-efficient wealth accumulation to retirees seeking to preserve and enjoy a secure retirement. In alignment with The Downeast Group’s disciplined approach, he begins by developing a detailed financial plan and then implements an investment strategy tailored to each client’s specific goals, priorities, and time horizon. Brian also brings substantial experience supporting retirement plan sponsors, helping them navigate the responsibilities and decisions involved in offering effective workplace retirement plans.
Brian has earned the distinguished Qualified Plan Financial Consultant (QPFC), Certified Private Wealth Advisor® (CPWA®), and Certified Financial Planner (CFP®) designations. A native of South Portland, Brian earned his B.S. in Finance from Bentley University in 2014. After a brief period in the greater Boston area working in the life insurance industry, he returned to Maine to build his wealth management practice and serve clients in the community he calls home.
Outside of the office, Brian serves on the board of—and volunteers with—Big Brothers Big Sisters. In his free time, he enjoys skiing, traveling, and exploring Portland’s restaurant scene. Brian lives in Yarmouth with his wife, Laura, and their children Timmy and Lucy.
Brian has earned the distinguished Qualified Plan Financial Consultant (QPFC), Certified Private Wealth Advisor® (CPWA®), and Certified Financial Planner (CFP®) designations. A native of South Portland, Brian earned his B.S. in Finance from Bentley University in 2014. After a brief period in the greater Boston area working in the life insurance industry, he returned to Maine to build his wealth management practice and serve clients in the community he calls home.
Outside of the office, Brian serves on the board of—and volunteers with—Big Brothers Big Sisters. In his free time, he enjoys skiing, traveling, and exploring Portland’s restaurant scene. Brian lives in Yarmouth with his wife, Laura, and their children Timmy and Lucy.
Securities Agent: OR, MN, WA, MD, IN, WI, NV, MT, MO, MA, CT, CA, VA, NJ, NH, NC, GA, CO, AZ, SC, NE, MI, ND, ME, DE, DC, UT, TX, PA, ID, OK, OH, NM, LA, FL, NY, IL, IA, HI, VT, RI; General Securities Representative; Investment Advisor Representative
NMLS#: 1539487
NMLS#: 1539487
About Michael C. Melo
Mike partners with individuals and families to develop thoughtful, goal-driven strategies tailored to their evolving needs, drawing on more than 15 years of financial planning experience to help clients navigate complex decisions with clarity and confidence. He takes a comprehensive approach that integrates investment management, retirement planning, tax strategy, risk management, and estate considerations into a cohesive plan designed to support long-term success, and he’s known for translating sophisticated concepts into practical, actionable strategies that empower clients to make informed decisions and stay aligned with their long-term goals.
Mike holds the esteemed Certified Financial Planner® (CFP®) designation. An alumnus of Bentley University, Michael received a B.S. in Finance in 2011 and M.S. in Financial Planning in 2012. Prior to joining the Downeast Group in 2016, Michael worked as an Associate for Commonwealth Planning Group, a Boston-based financial planning firm.
Mike resides in Freeport with his wife, Emily, their children Owen and Olivia, and their two dogs, Arya and Crowley. In his off time, he enjoys exploring the trails at various state parks, camping, and swimming. Dedicated to giving back, Mike and Emily have volunteered as foster parents for adoptable dogs through a local rescue organization and frequently donate their time to non-profits supporting families navigating child loss.
Mike holds the esteemed Certified Financial Planner® (CFP®) designation. An alumnus of Bentley University, Michael received a B.S. in Finance in 2011 and M.S. in Financial Planning in 2012. Prior to joining the Downeast Group in 2016, Michael worked as an Associate for Commonwealth Planning Group, a Boston-based financial planning firm.
Mike resides in Freeport with his wife, Emily, their children Owen and Olivia, and their two dogs, Arya and Crowley. In his off time, he enjoys exploring the trails at various state parks, camping, and swimming. Dedicated to giving back, Mike and Emily have volunteered as foster parents for adoptable dogs through a local rescue organization and frequently donate their time to non-profits supporting families navigating child loss.
About Lauren K. Stone
Lauren is responsible for the implementation and ongoing oversight of the team’s managed account platforms, with a focus on portfolio rebalancing, trade execution, and the timely processing of investment-related changes. She works closely with the team to ensure portfolios are maintained in alignment with strategy and that trading activity is carried out accurately, efficiently, and with strong attention to detail.
Lauren joined the Downeast Group in 2007 and has more than 20 years of experience in the banking and investment industry. Prior to joining Morgan Stanley, she worked for the Maine Credit Union League as a Senior Credit Union Support Specialist.
Raised in the Moosehead Lake region of Maine, Lauren graduated from St. Joseph’s College in Standish with a B.A. in Mass Communication. She currently holds FINRA Series 7 and 66 licenses. Outside of work, Lauren can often be found helping out at her husband Alex’s burger shop (Blazes Burgers in Westbrook!) or spending time with their two sons and rescue dog, Maple.
Lauren joined the Downeast Group in 2007 and has more than 20 years of experience in the banking and investment industry. Prior to joining Morgan Stanley, she worked for the Maine Credit Union League as a Senior Credit Union Support Specialist.
Raised in the Moosehead Lake region of Maine, Lauren graduated from St. Joseph’s College in Standish with a B.A. in Mass Communication. She currently holds FINRA Series 7 and 66 licenses. Outside of work, Lauren can often be found helping out at her husband Alex’s burger shop (Blazes Burgers in Westbrook!) or spending time with their two sons and rescue dog, Maple.
About Lily Marcu
Lily prioritizes building strong relationships to offer meaningful service, fostering a sense of trust and reliability in every client interaction.
Before joining the Downeast Group in 2023, Lily held Client Service roles with RM Financial and Hightower Advisors. She received her B.S. degree from Roger Williams University, with a major in Finance and minor in French. She currently holds FINRA Series 7 and Series 66 licenses.
In her spare time, she loves to be outdoors. Lily aims to join the AMC 4,000-Footer Club, which entails hiking all 48 of New Hampshire’s mountains that are 4,000 feet and taller. When she isn’t venturing at higher altitudes, she is at sea level on her paddleboard in Casco Bay to visit her mother’s café on Chebeague Island. She also enjoys traveling and is especially excited to introduce her daughter, Ondine, and son, Dacian, to Romania, where her husband, Vici, was born and raised.
Before joining the Downeast Group in 2023, Lily held Client Service roles with RM Financial and Hightower Advisors. She received her B.S. degree from Roger Williams University, with a major in Finance and minor in French. She currently holds FINRA Series 7 and Series 66 licenses.
In her spare time, she loves to be outdoors. Lily aims to join the AMC 4,000-Footer Club, which entails hiking all 48 of New Hampshire’s mountains that are 4,000 feet and taller. When she isn’t venturing at higher altitudes, she is at sea level on her paddleboard in Casco Bay to visit her mother’s café on Chebeague Island. She also enjoys traveling and is especially excited to introduce her daughter, Ondine, and son, Dacian, to Romania, where her husband, Vici, was born and raised.
About Lexi Hirning
Lexi is a key member of our client service team, focused on delivering a seamless, high-touch experience by responding to client needs promptly and keeping account-related items moving efficiently. She helps coordinate day-to-day service requests, supports timely follow-through on action items, and serves as a reliable point of contact for our clients.
She is a 2025 graduate of the University of Connecticut, where she earned a B.S. in Finance. She began her career at Stone Coast Fund Services immediately after college, developing a strong foundation in financial operations and client service, before joining Morgan Stanley in February 2026.
Originally from Windham, Lexi still resides there. Outside of the office, she enjoys spending time outdoors—especially at her family’s cabins. Her favorite spot is their cabin on Embden Pond, where she enjoys paddleboarding, fishing, boating, and exploring the Maine woods.
She is a 2025 graduate of the University of Connecticut, where she earned a B.S. in Finance. She began her career at Stone Coast Fund Services immediately after college, developing a strong foundation in financial operations and client service, before joining Morgan Stanley in February 2026.
Originally from Windham, Lexi still resides there. Outside of the office, she enjoys spending time outdoors—especially at her family’s cabins. Her favorite spot is their cabin on Embden Pond, where she enjoys paddleboarding, fishing, boating, and exploring the Maine woods.
Contact Richard Rosu-Myles
Contact Andrew P. Thomas
Contact Brian R. McHugh, CFP®, QPFC®, CPWA®
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2023-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisors
2022-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Barron's Top 1,200 Financial Advisors: State-by-State
2024, 2026 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 2024, 2026). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
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Wealth Management
Global Investment Office
Portfolio Insights
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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
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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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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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
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Downeast Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley’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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
5Products 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.
6Morgan 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
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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When 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.
11Alternative 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.
12Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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’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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
5Products 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.
6Morgan 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
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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When 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.
11Alternative 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.
12Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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)
