Welcome

At Garcia Family Wealth Management, we are a dynamic team of wealth management professionals who combine our talents to deliver an exceptional level of service to affluent families, individuals and organizations. By adding our insight, experience and proprietary investment process to the vast resources of Morgan Stanley, we help families like yours address every aspect of their financial lives. Providing access to cutting-edge risk technology and sophisticated capabilities, we work to help you define and reach clear goals -- Protecting the wealth you worked a lifetime to create, educating your children and grandchildren, sustaining your lifestyle through retirement and transferring wealth efficiently to the people and organizations that have added meaning to your life. We look forward to learning more about you, your family and your goals, and discussing how we can help you live the life you want to live.
Services Include
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Our Suite of Services

As your wealth grows, so does its complexities and the resources needed to manage it effectively. We leverage our experience and relationships to deliver innovative strategies that are tailored to your needs. We look forward to speaking with you to understand your challenges, so we may map out a strategy to help achieve your particular priorities and goals.
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    Wealth Management
    Wealth Management brings all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career and your legacy goals to develop a comprehensive strategy that is uniquely yours.
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    Retirement Planning
    One of our key areas of focus is helping you prepare for and thrive in retirement. From IRAs to RMDs, we manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with security and confidence.
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    Professional Portfolio Management
    Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, we create a customized strategy that applies long-held investment principles to help your assets appreciate appropriately, generate cash-flow or create income as you require.
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    Cash Management Services
    Creating adequate cash flow and securing liquidity are the day-to-day aspects of implementing a financial strategy. We help you meet your personal cash management and borrowing needs, while thinking strategically about how specific approaches may affect current and long-term costs and taxes.
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    Estate Planning & Philanthropic Strategies
    Delivering an estate to the next generation or favorite charity requires more attention than families often realize. We coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset titling and beneficiary designation requirements, incorporating best practices to enhance results.
    Estate Planning Strategies
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    Business Planning
    Focusing on the factors that make a difference in your business —from your perspective on ownership, control and liquidity, to the key challenges and opportunities you may face.
    How to Prepare to Exit Your Business

Working together to simplify your finances

Our comprehensive suite of digital tools are designed to help enhance various aspects of your financial life. Here are a few of the technologies we have to offer our clients.
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    Morgan Stanley Online & Mobile App
    Seamlessly and securely manage your investments and everyday finances in one place with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
    Learn More About MSO
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    Online Security Center
    At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
    Learn More About Online Security Center
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    Financial Management Tools
    Managing multiple financial accounts across different firms can be complicated. With Morgan Stanley Online, you can link you non-Morgan Stanley accounts and analyze your cash flow all in one place.
    Learn More About Financial Management Tools
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    Goals Based Planning
    Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
    Learn About Our Planning Tools
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    Total Wealth View
    Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
    Learn More About Total Wealth View
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    Portfolio Risk Platform – Powered by Aladdin
    Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
    Learn More About Portfolio Risk Platform
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    Morgan Stanley President's Club Community Leadership Award
    Ernie was the recipient of the 2024 Community Leadership Award for his work and commitment to Folds of Honor. This award recognizes advisors who have made an impact with an organization they support and whose philanthropy, hard work and dedication has inspired others in their offices and communities to do the same.
    Click Here To Learn More
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    7x Forbes Best-In-State Wealth Advisor - Ernie Garcia
    2024, 2023, 2022, 2021, 2020, 2019, 2018: The Forbes ranking in Best-In-State Wealth Advisors lists spotlights more than 5,000 advisors, nominated by their firms'- then researched, interviewed, and assigned a ranking by Shook research. Each advisor is chosen based on an algorithm of qualitative and quantitative criteria, including in-person interviews: industry experience; compliance records; revenue produced; and assets under management.

    2018- 2024 Forbes Best-In- State Wealth Advisors
    Source: Forbes.com (Awarded 2018-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
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    Barron's Top 1,200 Financial Advisor - Ernie Garcia
    2014- The Barron's Top 1,200 Financial Advisor rankings are based on data provided by over 4,000 of the nation's more productive advisors. Factors included in the rankings: assets under management, revenue produced for the firm, regulatory record, quality of practice and philanthropic work.

    Barron's Top 1,200 Financial Advisors: State-by-State
    Source: Barron's.com (Awarded Feb 2014) Data compiled by Barron's based on time period from Sept 2012 - Sept 2013.
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    Sarasota Five Star Wealth Managers
    2022, 2021, 2020- To receive the Five Star Wealth Manager award, a wealth manager must satisfy 10 objective eligibility and evaluation criteria that are associated with wealth managers who provide quality services to their clients. Factors taken into account include assets under management and client retention rate. Candidates also undergo a thorough regulatory and compliant review.

    2020-2022 Five Star Wealth Manager Award
    Source: fivestarprofessional.com (Awarded 2020-2022) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
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    2x Forbes Best-In-State Wealth Management Teams - GFWM
    2024, 2023: Forbes/SHOOK Best-In-State Wealth Management Teams list features more than 2,800 teams with cumulative assets of roughly $4 trillion. These groups of experienced wealth managers have proven track records of success according to SHOOK Research, which uses quantitative and qualitative data, including interviews, to rank teams.

    2023, 2024 Forbes Best-In-State Wealth Management Teams

    Source: Forbes.com (Awarded **2023 & 2024**). Data compiled by SHOOK Research LLC based on a 12-month time period concluding in March of the year prior to the issuance of the award.
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    Forbes Top Next-Gen Wealth Advisors Best-in-State - Chris Garcia
    2024, 2023: Forbes/SHOOK Best-In-State Next-Gen Wealth Advisors list features 1,464 advisors with cumulative assets of roughly $2.5 trillion. These advisors, born in 1984 or later, make up the top next-gen advisors from each state and have proven track records of success according to SHOOK Research, which uses quantitative and qualitative data, including interviews, to rank advisors.

    2023, 2024 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-In-State (formerly referred to as Forbes America’s Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)

    Source: Forbes.com (Awarded 2023 & 2024). Data compiled by SHOOK Research LLC based on a 12-month period concluding in March of the year the award was issued.

Investment Insight From Our Desk To Yours

Through timely, in-depth analysis of companies, industries, markets, and world economies, Morgan Stanley has earned its reputation as a leader in the field of investment research.
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    How to Prepare to Sell a Business
    Selling a business should be the reward for years of entrepreneurial savvy and hard work. Here’s how to make the process go smoothly.
    Read the Article
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    Financial Planning After Divorce or Death
    Financial planning after a divorce or death can be trying, but with the right approach and the right advice you can turn a difficult situation into empowerment.
    Read the Article
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    Tax-Aware Strategies for Your Wealth Plan
    The tax decisions you make today can help you save for years to come. Use these resources and ideas to help you get started.
    Check the Resources
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    2025 Federal Tax Tables
    2025 Federal Tax Tables to assist clients in their investment decisions.
    Read the Tables
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    Morgan Stanley Ideas Podcast
    Bringing you revealing stories about the world of business, finance, technology and beyond.
    Listen to the Podcasts
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    Thoughts on the Market
    Perspectives on the forces shaping markets.
    Listen to the Podcasts

WORKPLACE FINANCIAL BENEFITS WITH MORGAN STANLEY AT WORK

Our mission is to help your company elevate your workplace financial benefits—helping you to attract and retain top talent. Our end-to-end solutions support your company and employees at any stage of growth through a powerful combination of modern technology, insightful guidance, and dedicated service.

    Equity Solutions

    Equity ownership is a powerful motivator. Streamline equity management through our leading-edge technology and provide global audit-ready reporting and insights, alongside customizable participant experiences to engage and educate your employees on how to make the most of their benefits. Our global solutions support private and public companies at any stage of growth.

    • Equity Administration and Financial Reporting
    • Liquidity Events
    • 409A Valuation Services and Cap Table Management

    Learn more
    Retirement

    For your employees, retirement is more than a date in the future—it's a milestone that takes time, hard work, and the right tools. Through our consultative process, we strive to assist with the management of your fiduciary responsibilities and risk, simplify plan management, and help you improve retirement readiness for your employees.

    • Defined Contribution Consulting
    • Solutions-Oriented Plans
    • Fiduciary Investment Oversight

    Learn more
    Deferred Compensation

    Access a range of Nonqualified Deferred Compensation plan services or pick the ones that best fit your needs. We provide recordkeeping and plan design, portfolio construction services, and plan education for your executive talent. We help you determine the appropriate plan design and inform a funding strategy through a needs-based assessment and consultative approach.

    Services include:

    • Recordkeeping and Plan Design
    • Portfolio Construction
    • Wealth Management Services
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    Executive Services

    Our dedicated team provides concierge-level support for your executives' equity compensation plans, from 10b5-1 trading plans to form filing related to Rule 144 transactions, to access to wealth management and tax-optimization strategies, so helping them navigate their complex financial needs with greater confidence and certainty:

    • Equity Compensation Services
    • Equity Award Analysis
    • Specialized Solutions
    Learn more
    Saving and Giving

    Saving and Giving benefits can make a real difference in your employees' lives as they can support the things that matter most to them—like saving for education and repaying student loans. Show that you are committed to your employees' priorities with leading-edge solutions that help them chart a path toward financial well-being.

    • College Savings
    • Student Loan Repayment and Refinancing
    • Charitable Giving
    Learn more
    Financial Wellness

    We offer Financial Wellness with every solution we provide. Through a powerful combination of education, digital tools and guidance, Financial Wellness is designed to address the unique needs of your employees and empower their financial journey at every stage. Give your employees the confidence to take charge of their finances.

    • Financial Education
    • Digital Tools
    • Financial Guidance

    Learn more

Location

2 North Tamiami Trail
Ste 1100
Sarasota, FL 34236
US
Direct:
(941) 364-7405(941) 364-7405

Meet Garcia Family Wealth Management Group

Photo of Matthew Berka

Matthew Berka, QPFC®

Assistant Vice President, Business Development Associate
Phone:
(941) 364-7458(941) 364-7458
Photo of Michelle Fleter

Michelle Fleter

Vice President, Wealth Management Associate, Financial Planning Specialist
Phone:
(941) 364-7437(941) 364-7437
Photo of Mary A. Carr

Mary A. Carr

Portfolio Associate
Phone:
(941) 364-7455(941) 364-7455
Photo of Hannah Menendez

Hannah Menendez

Registered Client Service Associate, Financial Planning Specialist
Phone:
(941) 364-7453(941) 364-7453

About Ernie B Garcia, Managing Director

Drawing on over 35 years of wealth management experience, nearly all at Morgan Stanley, Ernie Garcia leads a team that creates comprehensive wealth management plans for financially successful families and individuals. Throughout his career, Ernie has worked to expand the knowledge and resources he can bring to the service of his clients. He has earned designations as a Family Wealth Director, Senior Investment Management Consultant, Insurance Planning Director, and Alternative Investments Director. 

Ernie takes great pleasure in getting to know his clients, and helping them make well-informed investment and financial planning decisions as their lives evolve. Thanks to the trust his clients have placed in him, he was named to Forbes Magazine's List of America's Best-In-State Wealth Advisors 2018, 2019, 2020, 2021, 2022 and 2023, and the Barron's List of top 1200 advisors for 2014.

Ernie is a proud alumnus of Florida State University. He has been designated as a Florida State University Platinum Chief Seminole and, in 2014, was named as Sarasota Seminole Club Ambassador of the Year. He is also very passionate about giving back to the community and does so in many ways -- as a volunteer, event sponsor, and as a fundraiser. Ernie is especially supportive of Folds of Honor, Special Athletes Boosters, The V Foundation for Cancer Research, Wounded Warriors, Suncoast Charities for Children, and Rob's Rescue, among many other local and national charities. Born and raised in the Tampa area, Ernie, his wife Patty and their son Vaughn, a current FSU Graduate student, have made Sarasota their home for over 30 years.

Ernie has been included as a member of the President's Club since 2015 and is a Managing Director at the firm.
Securities Agent: OR, NV, MI, GA, MT, WI, VA, CO, NM, MD, LA, KS, VT, RI, NJ, AL, WA, TX, TN, MS, IA, DC, SD, PA, OH, MO, KY, AZ, WY, PR, NY, NH, ME, MA, IL, CA, NC, CT, AR, IN, HI, FL, DE, WV, UT, OK, MN, ID, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1301229
CA Insurance License #: 0B22578

About Christopher Garcia

Christopher Garcia works closely with the team’s clients to help them create, implement and maintain comprehensive wealth management plans designed to achieve their specific financial goals. Christopher works to build long-term, productive relationships built on trust, transparency and service.

Christopher began his financial services career in 2013 after earning his Bachelor of Science in business administration and business management from the University of Central Florida (Go Knights!). He joined his uncle and the rest of the team at the Garcia Family Wealth Management a year later.

Passionate about giving back, Christopher enjoys helping to fundraise for The Gleason Foundation for ALS Research, Always Wear Your Seatbelt Foundation and Nate's Animal Rescue among many others.

Chris and his wife, Reagan, are both lifetime residents of the Sarasota area. They currently reside in Lakewood Ranch with their daughters Callie and Sadie as well as their puppy, Frank. In his spare time, you can find Chris spending time with family, playing in many recreational sports leagues, or visiting some of the area's best local restaurants.

Chris is a Vice President and Alternative Investments Director at the firm. In addition, he is a Certified Divorce Financial Analyst (CDFA), specifically trained to help those going through divorce. He was also named one of the 2023 Forbes Best-in-State Next-Gen Wealth Advisors by Forbes/Shook Research.
Securities Agent: NV, MO, IN, CO, WY, WV, SD, SC, MS, KS, VA, RI, OR, OK, MN, KY, UT, IA, PR, NC, MA, FL, DE, AR, TX, NJ, NH, HI, AL, WI, NM, MI, ME, DC, CA, OH, ID, GA, MT, VT, NY, MD, LA, IL, CT, WA, PA, AZ, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 1268301
CA Insurance License #: 0J04171
AR Insurance License #: 17147768

About Jacob Reeves

Jacob Reeves focuses on building, implementing and maintaining comprehensive financial plans. As a Certified Financial Planner (CFP® ), Jake focuses on helping our clients reach their retirement goals and as well as on the transition of wealth for our clients and their families. His goal is to help families spend less time worrying about their finances and more time doing the things they enjoy most.

Like the rest of the team, Jacob has a passion for giving back. Particularly to charities supporting underprivileged kids such as the Boys and Girls Club and Morgan Stanley’s Alliance for Children’s Mental Health.

Jacob graduated from Florida State University in 2019 with his Bachelor of Science in Finance and began his career with the group in 2020. Jacob and his family moved to Sarasota, FL in 2012 from Des Moines, Iowa where Jacob lived for 11 years. Jacob now lives in Sarasota with his wife Téa and his dog, Beans.
Securities Agent: OK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NH, NJ, NM, NV, NY, OH, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 2170779
CA Insurance License #: 4113455
AR Insurance License #: 18877007

About Matthew Berka

Matthew serves as the Business Development Associate for Garcia Family Wealth Management. A graduate of Florida State University (yes, another Nole!) and 10-year industry veteran, Matthew has spent the majority of his working career in Team & Branch Management roles. As our Business Development Associate, he plays an integral part in helping to design and develop best business practices for the team. In addition, Matthew is the lead on business & team development with additional focus on systems integration as well as team & client management. He holds his Series 7 and 66 licenses, and is also insurance and annuity licensed. 

Matthew was born & raised in the Sarasota-area and is very proud of our local community. He is an advocate for giving back to the area that his given him so much through his volunteer and charitable work with many local organizations. In his free time, you will find him spending time with his wife Megan and his three young daughters, Olivia, Piper and Rowan, as well as taking advantage of the many highlights of our region - including fishing and golfing.
CA Insurance License #: 4370544

About Michelle Fleter

A financial services industry veteran of over 15 years, Michelle Fleter is responsible for assisting clients with their long-term financial planning needs as well as with their daily service requests. Her goal is to provide every client of the team with impeccable client service and personal attention, two requirements that must be delivered at a Ritz Carlton level.

Michelle earned her Bachelor of Arts from Beloit College. She holds her Series 7, 31, and 66 licenses, and is also insurance and annuity licensed. 

Michelle and her fiancé, Tim, recently moved to Sarasota from Chicago. They are taking full advantage of their new home and love spending time on the water. They also stay busy with their four dogs, Rambo, Josie, Charlie and Reggie. Michelle is also very active in the local community helping the team with their vast local and national charitable endeavors.

About Mary A. Carr

With Morgan Stanley for more than 20 years, Mary currently serves the group in a variety of roles including Team Manager, Client Relationship Manager and Portfolio Associate. Her 29 years in financial services enhances her support of the team's clients: She holds her Series 7 and 63 Securities Licenses as well as her Life Insurance license, attended Central Michigan University Business School and most recently served as a Client Service Associate Coach for the Morgan Stanley Michigan Region in 2013.

Her dedication to her community, and state, runs deep. Mary spent three years as a judge for Michigan DECA's State Career Development Conference, a state competition for marketing students, and coached softball for the Huron Valley Girls Youth Softball. Married with two children and three step-children, Mary looks forward to her time with family, and also gardening at home, doing aerobics, and attending sporting events.

About Hannah Menendez

Hannah joined Garcia Family Wealth Management as the Team Administrator. A recent cum laude graduate from the University of North Florida, she works closely with Michelle and Mary in assisting clients with their daily service needs. With a background in Digital Marketing, Hannah also plays an integral role in the team’s marketing efforts.

A four-year Division 1 soccer player, Hannah leverages the lessons and qualities she obtained throughout her athletic career to help our clients meet their goals. She has a strong focus on building relationships and works tirelessly, just as she did on the pitch, to help our clients in any way possible. She holds her Series 7 and 66 licenses, and is also insurance and annuity licensed. 

A native of Tampa, and with relatives in the Sarasota-area, Hannah is very familiar with the intricacies of our region. When she is not in the office, you can find her visiting the area’s top-rated beaches and enjoying the outdoors. In addition, Hannah relishes the opportunity to volunteer for organizations that support special needs, such as Special Olympics and Best Buddies. She looks forward to continuing her volunteer work in the Sarasota community.

The Power of Partnerships

By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Photo of Justine Smale

Justine Smale

Private Banker

About Justine Smale

Justine Smale is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.

Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.

Justine began her career in financial services in 1992, and joined Morgan Stanley in 2016. Prior to joining the firm, she spent 21 years at Merrill Lynch and Bank of America and held many positions including Wealth Management Banker, Premier Client Manager, and Branch Manager.

Justine is a graduate of Florida International University, where she received a Bachelor of Arts in Business Administration, Business Management, and
International Business with Magna Cum Laude distinction. She lives in Sarasota, Florida with her family.

Outside of the office, Justine donates her time volunteering for different organizations. She also enjoys being active, gardening, spending time outdoors, entertaining at home and spending time with family and friends.
NMLS#: 641860
Wealth Management
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Equity Compensation

Helping you make the most of your equity awards and better understand how it may fit into your your larger financial picture – today and tomorrow.

  • Vesting events
  • Option expirations
  • Restricted stock units
  • Tax implications

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
Learn More about Family
Taking Control of Your Finances After Death of a Spouse
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Taking Control of Your Finances After Death of a Spouse

Financial planning after a divorce or death can be trying, but with the right approach and the right advice you can turn a difficult situation into empowerment.

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
Learn More about Retirement
4 Financially Smart Ways to Take Money Out of Retirement Accounts
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4 Financially Smart Ways to Take Money Out of Retirement Accounts

Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
  • Qualified Retirement Plans
Learn More about Business Planning
Financial Planning for Life After Selling a Business
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Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

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
Learn More about Investing
2025 Global Economic Outlook: U.S. Policies May Temper Global Growth
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2025 Global Economic Outlook: U.S. Policies May Temper Global Growth

Global growth is likely to be around 3% in 2025 and 2026, as tariff and immigration policies begin to slow the U.S. economy late next year, and China's underperformance restrains emerging markets.

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
Learn More about Philanthropy
Donor Advised Funds: A Smart Way to Manage Your Giving 
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Donor Advised Funds: A Smart Way to Manage Your Giving 

There’s more to charitable giving than you may realize. Here’s one method that may be a tax-efficient way to give and can help maximize your impact.

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.
Learn More about Financial Wellness
The Business Case for a Financially Resilient Workforce
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The Business Case for a Financially Resilient Workforce

In the face of turbulent markets, the word “resilience” may be top of mind. Broadly speaking, resilience is the ability to “bounce back” when encountering life’s inevitable challenges.
Ready to start a conversation? Contact Garcia Family Wealth Management Group today.
Market Information Delayed 20 Minutes
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by 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.

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2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.

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3Municipal 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.

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4When 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.

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5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

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6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

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8Morgan 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.

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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, charitable giving, philanthropic planning and other legal matters.

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10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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11Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

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12Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.

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13Morgan 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.

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Awards Disclosures
CRC 6491812 (04/2024)