Jack R Dandrea
Senior Vice President, Financial Advisor, Senior Investment Management Consultant, Senior Portfolio Management Director
Phone:
(412) 380-8057(412) 380-8057
The Evergreen Group at Morgan Stanley
Jack R DandreaChristopher M Scoletti, CFP®, CPWA®Matthew M Scoletti, CFP®Jessica Sidary Lepore, CFP®
Direct:
(412) 373-3100(412) 373-3100
Toll-Free:
(800) 966-7908(800) 966-7908
Industry Award WinnerOur Mission Statement
Our mission is to forge lifelong client relationships built on a foundation of dedication, experience, and caring service. We provide customized financial planning strategies that help enable clients to achieve financial goals through an integrated team-based approach.
Welcome
Our team's name reflects the enduring symbolism of the evergreen, which is embodied through our professional relationships and personal friendships with clients. Throughout history, the evergreen is renowned for its endurance and vitality through harsh, changing conditions, and is often associated with hope, renewal and protection. All of these are central to the investment and financial planning stewardship we strive for every day.
Our foundation is built on planning with a focus on portfolio construction, retirement income and estate planning strategies. We also address the complex wealth management challenges associated with legacy planning and charitable giving.
While our team serves a broad range of clients, we frequently consult with highly accomplished professionals, such as physicians, corporate executives, business owners and their families, attorneys and accountants. Our clients appreciate the extensive knowledge and long-term stability offered by our team; we collectively have over 80 years of experience in the industry with the majority of those at Morgan Stanley.
The Evergreen Group's process begins with a deeply engaged discovery methodology that explores your needs, concerns and objectives. This facilitates our ability to deliver customized, impactful planning that highlights your accumulation and distribution phases using strategies related to asset allocation, tax-loss harvesting and income-smoothing.
Our long-term approach to investing seeks to harmonize your planning needs with your investment portfolio. When constructing your portfolio, we leverage the world-class resources available through Morgan Stanley to identify and employ best-in-class investment managers, along with strategic alternative investments. As part of our client-centric approach, we'll serve as your financial quarterback and coordinate matters with your estate attorney and CPA to better ensure all aspects of wealth management are integrated into your planning for today and tomorrow.
Our Core Values
Integrity: We adhere to the highest standards of virtue and character—which starts with always doing the right thing for our clients.
Communication: We engage in thoughtful, intentional dialogue that's clear, constructive and actionable. Doing so helps foster authentic relationships, and better ensures clients will be well-informed and supported throughout their financial journey.
Collaboration: We promote a culture of teamwork. By pooling our diverse skills and perspectives, we feel we can best align our strategies with our clients' evolving needs and deliver superior results.
Excellence: We exceed client expectations by offering innovative practices, tailored solutions and exceptional service while continuously challenging ourselves to do even better.
Gratitude: We appreciate the trust our clients place in us, and never take it for granted. We're thankful for the opportunity to positively impact their lives; it allows us to find meaning and joy in our work every day.
Services Include
- Financial PlanningFootnote1
- Cash Management and Lending ProductsFootnote2
- Wealth PlanningFootnote3
- AnnuitiesFootnote4
- Professional Portfolio ManagementFootnote5
- Qualified Retirement PlansFootnote6
- Retirement PlanningFootnote7
- Life InsuranceFootnote8
- Estate Planning StrategiesFootnote9
- Stock Option PlansFootnote10
- 529 PlansFootnote11
- Philanthropic ManagementFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Evergreen Group Difference
As your dedicated Financial Advisors, our role is to tailor a financial strategy that reflects your unique circumstances and objectives. With over twenty years of experience, we have developed a step-by-step approach towards serving our clients:
1) Discovery Process
We take time to fully understand you and your family. This includes taking a look at financial considerations, such as your current assets, balance sheet, cash flow, spending habits, tax situation and insurance needs. But it goes well beyond that. We also want to know what motivates you or brings you fulfillment, whether it’s related to family, philanthropic endeavors, travel, personal interests or a number of other matters. Having this holistic perspective helps us develop your tailored financial roadmap for the present and future.
2) Forming Your Strategy
Using your life goals as our compass, we leverage Morgan Stanley’s Goals Based Planning System (GPS) and Lifeview Plan to create a risk-balanced asset allocation and portfolio management strategy to help guide you towards success.
3) Implementing Your Plan
We pair extensive investment research and planning analysis with the resources of Morgan Stanley to provide prudent and proactive advice with the goal of encompassing changes that may impact our approach such as with personal circumstances and the financial environment.
4) Measuring Your Success
We employ a disciplined process for conducting periodic reviews of your plan, and will regularly meet with you to share metrics around your portfolio and the capital markets environment. Ultimately, we’ll measure your progress towards your planning goals of comfort, success and well-being into and throughout retirement. We’ll also use these opportunities to continue to educate you about financial matters that could impact you in the near term or future.
5) Ongoing Support
We’ll introduce you to digital tools that can enhance your relationship with the Evergreen Group. Through Morgan Stanley Online, you can securely manage your investments and everyday finances at any time from your desktop, tablet or smart phone. This includes accessing account information, aggregating outside financial accounts, making deposits, tracking spending, creating custom budgets, storing important documents, initiating trades/transfers and receiving account alerts.
We’ll also have you meet with Liz Horn, our Client Service Associate. As the primary administrative point of contact for clients, Liz is an integral part of our client service experience.
We’ll also have you meet with Liz Horn, our Client Service Associate. As the primary administrative point of contact for clients, Liz is an integral part of our client service experience.
INDIVIDUAL PLANS FOR INDIVIDUALS LIKE YOU:
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisors, we can help you achieve your financial goals.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Portfolio Risk Tool
The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management’s platform to help improve the quality, transparency, and efficiency of the end to end risk management processes for the Firm and our Clients.
Goals Planning System (GPS)
Goals-Based Wealth Management means that we aim to understand what is important to you and work together to map out a plan that can help you achieve your financial goals.
Retirement Planning
The decisions you make about your workplace retirement plan can benefit you for years to come. We’ll help you understand and put your resources to work, so you can plan, invest, and ultimately transition to retirement with confidence.
Financial Planning Questionnaire
This questionnaire will help us create a personalized
strategy for you and can enhance our conversation
around your long-term goals.
Click Here to Completestrategy for you and can enhance our conversation
around your long-term goals.
Education Planning
With education costs rising, paying for college has become a major life expense that requires smart planning.
Intelligent Withdrawals
We use state-of-the-art tools that recommend the most tax-efficient way to liquidate assets.
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential, manage unrealized gains and help keep more of what you earn.
Learn More
How Will You Pay Your Tax Bill?
There are a variety of options to paying your tax bill. Learn some of the pros and cons for each.
Common Approaches to Managing the Payment
Pittsburgh Five Star Wealth Manager 2022-2024
Jack was selected as one of Pittsburgh's Five-Star Wealth Managers in 2022, 2023, and 2024. This award is determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific timeframe.
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 complaint review.
2022-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2022-2023) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2022 Award - 09/27/21 - 3/25/22
2023 Award - 09/12/22 - 3/31/23
2024 Award - 09/12/23 - 3/29/24.
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 complaint review.
2022-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2022-2023) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2022 Award - 09/27/21 - 3/25/22
2023 Award - 09/12/22 - 3/31/23
2024 Award - 09/12/23 - 3/29/24.
CFP® - CERTIFIED FINANCIAL PLANNER™
Christopher, Matt, and Jess all maintain their CERTIFIED FINANCIAL PLANNER™ certification. CERTIFIED FINANCIAL PLANNER™ is a formal license that recognizes experience in the areas of financial planning, including tax, insurance and retirement planning strategies. CFP® professionals meet rigorous education and ethical standards. They’re trained in 72 areas of financial knowledge, and must accrue thousands of hours of experience prior to earning their certification. Additionally, CFP® professionals are committed to placing their clients’ best interests first.
Putting your entire financial life into a clear picture isn’t easy. CFP® professionals are skilled at doing this, including how to balance your short-term goals with your long-term objective of retirement security. That’s why working with a CFP® professional can be so valuable for individuals seeking comprehensive financial planning.
Putting your entire financial life into a clear picture isn’t easy. CFP® professionals are skilled at doing this, including how to balance your short-term goals with your long-term objective of retirement security. That’s why working with a CFP® professional can be so valuable for individuals seeking comprehensive financial planning.
2024 & 2025 Forbes Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024 & 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Source: Forbes.com (Awarded 2024 & 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Certified Private Wealth Advisor® (CPWA®)
As a Certified Private Wealth Advisor® (CPWA®), Christopher completed the advanced education and certification program for financial planners and financial advisors who work with high-net-worth clients on the life-cycle of wealth: accumulation, preservation, and distribution. Candidates who earn the certification learn to identify and analyze challenges high-net-worth individuals face, and understand how to develop specific strategies to help manage taxes, monetize and preserve assets, potentially maximize growth, and transfer wealth.
Morgan Stanley Pacesetter's Club
Jess is part of a global recognition program for Financial Advisors who demonstrate the highest professional standards and first-class client service within their first five years.
Senior Investment Management Consultant
Jack maintains the Senior Investment Management Consultant title which is given to advisor professionals who have a commitment to client advisory relationships and have been able to demonstrate investment consulting and service excellence.
Community Involvement
Christopher currently serves as the immediate past President of the Board of Directors for Catholic Charities, Diocese of Pittsburgh where he's been a Board Director for 8 years. As a cancer survivor, his 'beautiful journey' helped frame a deeper appreciation for life, his career, and the joy of working with others for a common cause.
Jess is a volunteer of the McMurray Rotary Club where she is able to channel her passions for service and humanitarian causes.
Jess is a volunteer of the McMurray Rotary Club where she is able to channel her passions for service and humanitarian causes.
2023 Toastmaster Speech Contest District Champion
Matt won 4 separate levels of this speech contest and bested hundreds of other speakers to become District Champion
Personal Development
In 2019, Matt fell in love with running and has run over 100 marathons since this journey began.
Explore our exclusive events section to discover unique opportunities and stay informed about the latest happenings at the firm. Keep up to date with our curated selection of events designed to enhance your experience and engagement with Morgan Stanley.
Beyond the Fairway: Insights from Justin Rose
Join Morgan Stanley for an exclusive virtual fireside chat featuring Vince Lumia, Head of Wealth Management Client Segments, and Justin Rose , renowned professional golfer, Olympic gold medalist and Morgan Stanley Brand Ambassador. Justin will provide exclusive insights into:
• His storied career journey
• Key strategies that have contributed to his success in golf, including this summer's FedEx St. Jude Championship playoff win
• Upcoming Ryder Cup at Bethpage Black where he will be playing for Team Europe
• The mental and physical preparation required for major tournaments
Watch Replay• His storied career journey
• Key strategies that have contributed to his success in golf, including this summer's FedEx St. Jude Championship playoff win
• Upcoming Ryder Cup at Bethpage Black where he will be playing for Team Europe
• The mental and physical preparation required for major tournaments
Exclusive Event: The Impact of AI Robots on the Economy
Join Wealth Management's Global Head of Thematic & Macro Investing Ellen Zentner for a fireside chat with Morgan Stanley's Head of Global Autos and Shared Mobility Research Adam Jonas for a conversation on the rapid transition of artificial intelligence into the physical world. This conversation will cover:
• What is a humanoid robot and why is embodied AI rapidly advancing
• How the intersection of AI and the physical economy will change the way the world does business
• Which sectors and industries stand to benefit from this investment trend
• What this transformation means for investors and key portfolio considerations
Watch Replay• What is a humanoid robot and why is embodied AI rapidly advancing
• How the intersection of AI and the physical economy will change the way the world does business
• Which sectors and industries stand to benefit from this investment trend
• What this transformation means for investors and key portfolio considerations
Location
1 Monroeville Center
Suite 1010
Monroeville, PA 15146
US
Direct:
(412) 373-3100(412) 373-3100
Toll-Free:
(800) 966-7908(800) 966-7908
Meet The Evergreen Group
Christopher M Scoletti, CFP®, CPWA®
Senior Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(412) 380-8053(412) 380-8053
Matthew M Scoletti, CFP®
First Vice President, Financial Advisor, Financial Planning Associate
Phone:
(412) 380-8051(412) 380-8051
Jessica Sidary Lepore, CFP®
Associate Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(412) 380-8058(412) 380-8058
Liz Horn
Client Service Associate
Phone:
(412) 380-8049(412) 380-8049
About Jack R Dandrea
As a Financial Advisor with nearly 40 years of experience, Jack is committed to providing objective, holistic advice for individuals who want to plan for the future, but don’t necessarily possess the time or resources to do so on their own. Through a client-centric standard of care, Jack and his team work with each client to identify their long-term objectives, and create a financial plan that will help them achieve what matters most in their lives.
His lengthy career in financial services began in 1985 serving individual and institutional investors for The Vanguard Group. This experience provided Jack with a foundational understanding of the industry, the significance that team culture plays in building relationships and how an integral focus on process, philosophy and people can help shape a meaningful experience for clients. In 2001, he brought this knowledge to Morgan Stanley as a founding partner of the Evergreen Group. For his efforts, Jack has been recognized as a Pittsburgh Five-Star Wealth Manager in 2022, 2023 and 2024.
Born and raised in western Pennsylvania, Jack graduated from Pennsylvania State University with a Bachelor’s Degree in Finance, and completed the Securities Industry Institute through The Wharton School at the University of Pennsylvania. He currently resides in Pittsburgh, and spends much of his time outside of work with his daughters, Kali and Mia, along with family and friends. Jack enjoys trips to the beach and mountains, along with participating in outdoor activities like golf, hiking and biking.
After coaching girls’ basketball for over 20 years, Jack now spends his volunteer time mentoring students through the Smeal College of Business Mentors Program at Penn State University. Through this program, Jack is afforded an opportunity to help young individuals identify academic majors, develop leadership skills and plan for a successful career. The program provides a deep sense of fulfillment that comes from helping others realize their dreams, while also keeping him connected to his alma mater and the Penn State community.
2022-2023-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2022-2023-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2022 Award - 12/31/21 - 6/10/22
2023 Award - 11/14/22 - 5/31/23
2024 Award - 09/12/23 - 3/29/24.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: OH, AZ, MN, LA, FL, WI, RI, GA, DC, VA, NM, TN, OR, MD, NY, NH, MS, MI, CT, CA, AK, PA, NC, MT, IN, IL, WV, NJ, KY, AL, WA, SC, NE, CO, AR, TX, NV, MO, MA, DE; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1406551
His lengthy career in financial services began in 1985 serving individual and institutional investors for The Vanguard Group. This experience provided Jack with a foundational understanding of the industry, the significance that team culture plays in building relationships and how an integral focus on process, philosophy and people can help shape a meaningful experience for clients. In 2001, he brought this knowledge to Morgan Stanley as a founding partner of the Evergreen Group. For his efforts, Jack has been recognized as a Pittsburgh Five-Star Wealth Manager in 2022, 2023 and 2024.
Born and raised in western Pennsylvania, Jack graduated from Pennsylvania State University with a Bachelor’s Degree in Finance, and completed the Securities Industry Institute through The Wharton School at the University of Pennsylvania. He currently resides in Pittsburgh, and spends much of his time outside of work with his daughters, Kali and Mia, along with family and friends. Jack enjoys trips to the beach and mountains, along with participating in outdoor activities like golf, hiking and biking.
After coaching girls’ basketball for over 20 years, Jack now spends his volunteer time mentoring students through the Smeal College of Business Mentors Program at Penn State University. Through this program, Jack is afforded an opportunity to help young individuals identify academic majors, develop leadership skills and plan for a successful career. The program provides a deep sense of fulfillment that comes from helping others realize their dreams, while also keeping him connected to his alma mater and the Penn State community.
2022-2023-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2022-2023-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2022 Award - 12/31/21 - 6/10/22
2023 Award - 11/14/22 - 5/31/23
2024 Award - 09/12/23 - 3/29/24.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: OH, AZ, MN, LA, FL, WI, RI, GA, DC, VA, NM, TN, OR, MD, NY, NH, MS, MI, CT, CA, AK, PA, NC, MT, IN, IL, WV, NJ, KY, AL, WA, SC, NE, CO, AR, TX, NV, MO, MA, DE; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1406551
Securities Agent: LA, FL, WI, RI, ID, GA, DC, VA, NM, TN, OR, MD, NY, NH, MS, MI, CT, CA, AK, ME, PA, NC, MT, IN, IL, WV, NJ, KY, AL, WA, SC, NE, CO, AR, TX, NV, MO, MA, DE, AZ, OH, MN; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1406551
NMLS#: 1406551
About Christopher M Scoletti
As a Senior Vice President, Certified Private Wealth Advisor®, CERTIFIED FINANCIAL PLANNER and Financial Planning Specialist, Christopher has accumulated more than 20 years of experience in Private Wealth Management, and has spent his entire career at Morgan Stanley and its predecessor firms.
He received his training for the CPWA® designation through Yale University’s School of Management, and his certification through the Investments & Wealth Institute. The designation is an advanced certification for advisors who seek the latest, most advanced knowledge and techniques to address the complex challenges impacting the wealth lifecycle of affluent clients. The CFP® designation is awarded to those who have met rigorous standards and agreed to adhere to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence when advising clients.
Christopher’s approach toward business is greatly influenced by his father, Mike, who preached "always put the client first” and created the foundation of what is now The Evergreen Group. He’s dedicated to thoroughly understanding each client’s financial position, and utilizes structured fact-finding and communication to determine specific goals as part of his comprehensive wealth management process. Christopher enjoys helping clients imagine their ideal aspirations in life, and then working with them to achieve those dreams often employing enhanced planning strategies involving asset allocation, tax-loss harvesting and other impactful considerations.
A native of Pittsburgh, Christopher graduated from the University of Notre Dame with a degree in marketing, and received his International Business Certificate from the Mendoza College of Business. He’s a proud member of the Notre Dame Club of Pittsburgh.
Christopher spends much of his free time volunteering, and currently serves as the immediate past President of the Board of Directors of Catholic Charities of Pittsburgh. He has a strong drive to give back to the community, and is devoted to making a difference in the lives of individuals he’s fortunate enough to encounter.
As a cancer survivor, Christopher has learned the importance of maximizing the joyful moments of life while also planning for the unexpected. His primary passion away from work and charity is traveling and experiencing new cultures with his wife, Monica. He also enjoys participating in sports, playing board games and spending time with family. An avid reader, he’s helped start several local book clubs.
Securities Agent: AK, MD, IN, IL, FL, CT, AZ, PA, MS, WI, NY, GA, CO, AL, WV, TN, SC, RI, NC, MA, DC, MN, AR, OK, NJ, WA, TX, CA, VA, OH, NE, MO, MI, LA, KY, NM, NH, MT, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 1410636
He received his training for the CPWA® designation through Yale University’s School of Management, and his certification through the Investments & Wealth Institute. The designation is an advanced certification for advisors who seek the latest, most advanced knowledge and techniques to address the complex challenges impacting the wealth lifecycle of affluent clients. The CFP® designation is awarded to those who have met rigorous standards and agreed to adhere to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence when advising clients.
Christopher’s approach toward business is greatly influenced by his father, Mike, who preached "always put the client first” and created the foundation of what is now The Evergreen Group. He’s dedicated to thoroughly understanding each client’s financial position, and utilizes structured fact-finding and communication to determine specific goals as part of his comprehensive wealth management process. Christopher enjoys helping clients imagine their ideal aspirations in life, and then working with them to achieve those dreams often employing enhanced planning strategies involving asset allocation, tax-loss harvesting and other impactful considerations.
A native of Pittsburgh, Christopher graduated from the University of Notre Dame with a degree in marketing, and received his International Business Certificate from the Mendoza College of Business. He’s a proud member of the Notre Dame Club of Pittsburgh.
Christopher spends much of his free time volunteering, and currently serves as the immediate past President of the Board of Directors of Catholic Charities of Pittsburgh. He has a strong drive to give back to the community, and is devoted to making a difference in the lives of individuals he’s fortunate enough to encounter.
As a cancer survivor, Christopher has learned the importance of maximizing the joyful moments of life while also planning for the unexpected. His primary passion away from work and charity is traveling and experiencing new cultures with his wife, Monica. He also enjoys participating in sports, playing board games and spending time with family. An avid reader, he’s helped start several local book clubs.
Securities Agent: AK, MD, IN, IL, FL, CT, AZ, PA, MS, WI, NY, GA, CO, AL, WV, TN, SC, RI, NC, MA, DC, MN, AR, OK, NJ, WA, TX, CA, VA, OH, NE, MO, MI, LA, KY, NM, NH, MT, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 1410636
Securities Agent: NH, AL, OK, NJ, WA, TX, CA, VA, OH, NE, MO, MI, LA, KY, WV, AK, TN, SC, RI, NC, MA, DC, MN, AR, ME, NM, MT, DE, MD, IN, IL, FL, CT, AZ, PA, MS, WI, NY, GA, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1410636
NMLS#: 1410636
About Matthew M Scoletti
As a Financial Advisor, Associate Vice President and Financial Planning Associate, Matthew utilizes his more than 15 years of experience in financial services to provide professionals, entrepreneurs, families and retirees with individualized financial plans designed to help preserve and grow their wealth.
He takes a straight-forward approach to wealth management, and collaborates with clients to determine their objectives and risk tolerances. Matthew uses the Firm’s modern wealth management analytics and risk management tools to formulate customized strategies to help clients achieve their short-term and long-range goals.
Matthew has worked at Morgan Stanley and its predecessor firms since 2007, and holds a CERTIFIED FINANCIAL PLANNER® (CFP®) designation. A CFP® has met rigorous professional standards, and is committed to adhering to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence when working with clients.
A graduate from the University of Richmond with a degree in Business, Matthew currently resides in Pittsburgh and Colorado Springs and serves clients in both locations. Passionate about health and fitness, he’s competed in many 24-hour endurance races, run over 100 marathons, been highlighted on “American Ninja Warrior” and finished in third place in a 5x ANVIL Triathlon (12-mile swim, 560-mile bike, 13-mile run).
Matthew also loves giving back to the community, and has linked many of his adventure races with raising money for local charities. He’s an active member of Toastmasters International, and recently won the organization’s Divisional International Speech Contest.
Securities Agent: IL, CT, PA, AK, WV, RI, NE, MD, WA, NM, MA, AZ, AL, TX, NY, NC, MS, CO, CA, AR, VA, NH, MI, IN, DE, WI, MN, TN, SC, MT, KY, DC, GA, FL, OH, NJ, MO, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 1406567
He takes a straight-forward approach to wealth management, and collaborates with clients to determine their objectives and risk tolerances. Matthew uses the Firm’s modern wealth management analytics and risk management tools to formulate customized strategies to help clients achieve their short-term and long-range goals.
Matthew has worked at Morgan Stanley and its predecessor firms since 2007, and holds a CERTIFIED FINANCIAL PLANNER® (CFP®) designation. A CFP® has met rigorous professional standards, and is committed to adhering to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence when working with clients.
A graduate from the University of Richmond with a degree in Business, Matthew currently resides in Pittsburgh and Colorado Springs and serves clients in both locations. Passionate about health and fitness, he’s competed in many 24-hour endurance races, run over 100 marathons, been highlighted on “American Ninja Warrior” and finished in third place in a 5x ANVIL Triathlon (12-mile swim, 560-mile bike, 13-mile run).
Matthew also loves giving back to the community, and has linked many of his adventure races with raising money for local charities. He’s an active member of Toastmasters International, and recently won the organization’s Divisional International Speech Contest.
Securities Agent: IL, CT, PA, AK, WV, RI, NE, MD, WA, NM, MA, AZ, AL, TX, NY, NC, MS, CO, CA, AR, VA, NH, MI, IN, DE, WI, MN, TN, SC, MT, KY, DC, GA, FL, OH, NJ, MO, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 1406567
Securities Agent: AK, OH, NJ, MO, LA, IL, CT, PA, WA, NM, MA, AZ, TX, NY, NC, MS, CO, CA, AR, GA, FL, WI, MN, TN, SC, MT, KY, DC, WV, RI, NE, MD, ME, VA, NH, MI, IN, DE, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1406567
NMLS#: 1406567
About Jessica Sidary Lepore
As an Associate Vice President, Financial Advisor, Financial Planning Specialist and partner of the Evergreen Group at Morgan Stanley, Jess’s principal role is to identify complex planning issues and concerns facing the team’s clients.
She has considerable knowledge regarding financial planning tools and data analysis, as well as the Firm’s broad service offerings and digital capabilities. Being a self-sufficient, constant learner, Jess is adept at helping clients understand their sources of savings (from liquid to illiquid options), and taking tax implications into consideration as they build their wealth. For her efforts, she’s been a member since 2023 of the Morgan Stanley Pacesetter's Club, a global recognition program for Financial Advisors who early in their careers have demonstrated the highest professional standards and world-class client service.
In 2013, Jess began her career in financial services at PNC Bank’s prestigious Retail Bank Development program where she obtained her investment licenses (Series 7, Series 66 and PA Life and Health Insurance). During her five years at PNC, she established a strong ability to work within a team environment, solve unique customer issues and help individuals and their families achieve their goals. Looking for an opportunity to establish long-term relationships and further develop her skillset, she joined Morgan Stanley in 2018.
Jess graduated with honors (cum laude) from the University of Pittsburgh’s College of Business Administration earning a bachelor’s degree in business administration with a concentration in finance, along with minors in economics and German studies. She received her CERTIFIED FINANCIAL PLANNER designation through the Louisiana State University’s E.J. Ourso College of Business.
Jess resides in Peters Township with her family. She enjoys exploring nature, hiking, snowboarding and traveling the world with her family.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
Securities Agent: DE, CO, CA, NY, MS, MI, GA, OK, NC, MN, MA, WV, TX, TN, NH, IN, AL, OH, CT, SC, RI, MT, MO, FL, AZ, WA, VA, NJ, LA, PA, NM, NE, KY, DC, WI, IL, AR, AK, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1083898
She has considerable knowledge regarding financial planning tools and data analysis, as well as the Firm’s broad service offerings and digital capabilities. Being a self-sufficient, constant learner, Jess is adept at helping clients understand their sources of savings (from liquid to illiquid options), and taking tax implications into consideration as they build their wealth. For her efforts, she’s been a member since 2023 of the Morgan Stanley Pacesetter's Club, a global recognition program for Financial Advisors who early in their careers have demonstrated the highest professional standards and world-class client service.
In 2013, Jess began her career in financial services at PNC Bank’s prestigious Retail Bank Development program where she obtained her investment licenses (Series 7, Series 66 and PA Life and Health Insurance). During her five years at PNC, she established a strong ability to work within a team environment, solve unique customer issues and help individuals and their families achieve their goals. Looking for an opportunity to establish long-term relationships and further develop her skillset, she joined Morgan Stanley in 2018.
Jess graduated with honors (cum laude) from the University of Pittsburgh’s College of Business Administration earning a bachelor’s degree in business administration with a concentration in finance, along with minors in economics and German studies. She received her CERTIFIED FINANCIAL PLANNER designation through the Louisiana State University’s E.J. Ourso College of Business.
Jess resides in Peters Township with her family. She enjoys exploring nature, hiking, snowboarding and traveling the world with her family.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
Securities Agent: DE, CO, CA, NY, MS, MI, GA, OK, NC, MN, MA, WV, TX, TN, NH, IN, AL, OH, CT, SC, RI, MT, MO, FL, AZ, WA, VA, NJ, LA, PA, NM, NE, KY, DC, WI, IL, AR, AK, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1083898
Securities Agent: NM, KY, NE, DC, OK, NC, MN, MA, WI, ME, IL, AR, NY, MS, MI, GA, AK, MD, IA, DE, CO, CA, WV, TX, TN, NH, IN, AL, OH, CT, SC, RI, MT, MO, FL, AZ, WA, VA, NJ, LA, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 1083898
NMLS#: 1083898
About Liz Horn
With more than two decades of experience in customer service and business management, and often the initial point-of-contact for clients, Liz is an integral member of the Evergreen Group.
Her strong passion for helping others aligns well with her role. Liz specializes in working with clients to meet their administrative needs, while supporting the team’s relationships on an ongoing basis. From all aspects of organizational due diligence to transactional support, she maintains a service model and open lines of regular communication necessary to support clients’ everyday needs. By heading the team’s digital integration strategy, Liz is able to help clients gain a better understanding of how to employ technology to integrate and simplify many of their administrative objectives.
As a Pittsburgh native, Liz enjoys reading, the culinary arts, traveling with friends and family, and is a huge Steelers fan!
Her strong passion for helping others aligns well with her role. Liz specializes in working with clients to meet their administrative needs, while supporting the team’s relationships on an ongoing basis. From all aspects of organizational due diligence to transactional support, she maintains a service model and open lines of regular communication necessary to support clients’ everyday needs. By heading the team’s digital integration strategy, Liz is able to help clients gain a better understanding of how to employ technology to integrate and simplify many of their administrative objectives.
As a Pittsburgh native, Liz enjoys reading, the culinary arts, traveling with friends and family, and is a huge Steelers fan!
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Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2024-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact The Evergreen 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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan 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.
6When 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.
7When 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Morgan 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.
11Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
12Products 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan 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.
6When 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.
7When 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Morgan 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.
11Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
12Products 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.
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)
