William Fischer, QPFC
Managing Director, Financial Advisor
Phone:
(954) 476-5222(954) 476-5222
The Fischer W Group at Morgan Stanley
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
People do business with people they trust, and they like. Our team chooses to listen to the wants and needs of our clients carefully, then understanding in detail where their wealth stands today and where they’d like it to be for the future. We help clients design and implement a personalized plan intended to help them pursue financial goals while helping manage investment risk. Our approach is to focus on potential solutions that can help turn goals into reality.
Contact Us: fischergroup@morganstanley.com
Contact Us: fischergroup@morganstanley.com
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Awards, Licenses, and Certifications
Thanks to the unwavering commitment to helping clients and families achieve their investment goals, members of th Fischer W Group have been awarded the following industry awards and certifications:
Forbes Best-In-State Wealth Management Team
The Fischer W Group is honored to be recognized as one of Forbes Magazine's Best-In-State Wealth Management Teams consecutively from 2023-2025. This distinction highlights our dedication to providing personalized, strategic financial guidance and exceptional service to our clients.
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisors
William "Billy" Fischer is honored to be recognized as one of Forbes Best-In-State Wealth Advisors consecutively from 2022–2025. This distinction reflects his continued focus on delivering thoughtful, goals-based advice and a high-touch client experience. Billy works closely with individuals, families, and business owners to help navigate life's transitions, manage complexity, and build comprehensive wealth strategies designed to support what matters most—today and for generations to come.
2022-2025 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Best-In-State Top Next-Gen Wealth Advisors: 2025
Jean Pierre "JP" Lemoine is honored to be recognized as one of Forbes Top Next-Gen Wealth Advisors in 2025. This recognition reflects his commitment to delivering thoughtful, client-first guidance and a modern, goals-based planning experience. JP partners with individuals, families, and business owners to help simplify complex financial decisions and develop integrated wealth strategies designed to support long-term goals across life's transitions.
Forbes America's Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2025) Data compiled by SHOOK Research LLC for the period 3/31/24 - 3/31/25.
Certifications
William "Billy" Fischer, Jean Pierre "JP" Lemoine, and Maya Tzur Mosher each hold the Qualified Plan Financial Consultant (QPFC) designation, reflecting specialized knowledge in qualified retirement plans and workplace benefits. JP also holds the Certified Private Wealth Advisor (CPWA®) certification, underscoring advanced capabilities in addressing complex planning needs for high-net-worth clients. Maya is a Certified Financial Planner (CFP®) professional, demonstrating broad experience in comprehensive financial planning and a commitment to rigorous professional standards.
Comprehensive Financial Planning
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.
2026 Tax Tables
This helpful resource outlines the 2026 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Manage Debt
We thoroughly review your mortgage, car loans, credit cards, and any other debts that you may have in order to help determine where you can save on interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.
Insurance
We take an extremely close look at your financial profile to decipher what type(s) of insurance most fit your needs, and determine if your current insurance policies are best suited for you and your goals.
Retirement
Leading up to and through retirement, we help you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve for financial goals.
Women in Transition
The end of a marriage is a tumultuous time. However, for women, divorce and widowhood can raise a unique set of challenges. Women take on many roles and often navigate complex lives. A solid financial foundation can help women manage their financial future and simplify their financial life. The articles below can be used as a resource to help you through this often difficult transition.
Planning for a New Beginning
Dealing with the impact of divorce on your financial life can make an emotionally difficult time even more challenging. Although divorce is seldom easy, you can prepare for it - and being prepared will help you feel more in control and better equipped to make informed, confident decisions about your financial future.
Life After Divorce
Divorce is almost never easy. The more you know and the better you understand your options, the more prepared you will be to make sound decisions. This will help you take control of your financial life and prepare the way for greater confidence and flexibility in the future.
Women & Wealth: Planning for Your Financial Future
It's natural to feel overwhelmed by all the life events we need to prepare for. But women are tough, and we're smart, and we're planners. Feeling in control of your finances can propel you in so many other areas of your life, so you owe it to yourself to define your goals, start a dialogue with your loved ones and create a game plan. The modern face of wealth is female, so walk confidently into your financial future.
Money and Divorce
Divorce can be a lengthy process fraught with both financial and emotional strain as you make important decisions with significant long-term consequences under stressful conditions. But having the right advisors can help you make it through the process and avoid these six common mistakes:
Defining Your Legacy
Managing your family's wealth is so much more than simply reaching a desired return. Legacy planning is about more than transferring assets—it's about protecting the people and values that matter most. We help you bring clarity to your goals by coordinating your wealth strategy with key estate planning considerations, beneficiary decisions, and charitable giving intentions. Working alongside your tax and legal professionals, we'll help you create a thoughtful plan designed to support your family, preserve what you've built, and carry your impact forward for generations.
Estate Planning
Estate planning helps ensure your assets are managed and distributed according to your wishes, while reducing uncertainty and potential conflict for your loved ones. It can also support tax-aware wealth transfer, provide guidance if you become incapacitated, and help protect the legacy you intend to leave.
Elder Care Planning Checklist
Putting the right safeguards in place—such as a Trusted Contact, durable Power of Attorney and core estate and health-care documents—can help ensure your wishes are followed if you're unable to make decisions. This article outlines practical steps to plan ahead, including key conversations to have with family members, how to organize important information, and how your advisor may be able to support you and your loved ones in an emergency. Taking action early can reduce confusion, delays and stress during an already difficult time.
Tools in Income and Estate Planning
With the wide array of resources available to organize your assets, it can be hard to know where to begin. Our Income and Estate Planning toolkit outlines some methods and helps you to develop a general understanding of tax and estate planning techniques by using a summary of considerations, graphic illustrations, and custom examples.
Consult with an Advisor
Legacy planning is about more than documents—it's about making sure your values, intentions and financial decisions are clearly reflected in the plan you leave behind. We invite you to meet with a Financial Advisor to talk through what matters most to you, review your current beneficiary and estate-related arrangements, and identify practical next steps to help protect the people and causes you care about. A focused conversation today can help bring clarity and confidence for you—and peace of mind for your loved ones.
Location
1200 S Pine Island ROAD
Suite 800
Plantation, FL 33324
US
Direct:
(954) 476-5222(954) 476-5222
Meet The Fischer W Group
Jean Pierre Lemoine, CPWA®, QPFC
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(954) 476-5225(954) 476-5225
Maya Tzur Mosher, CFP®, QPFC
Assistant Vice President, Wealth Management Associate
Phone:
(954) 476-5228(954) 476-5228
Rosa Cortiza
Client Service Associate
Phone:
(954) 476-5229(954) 476-5229
Emily LaDow, MBA
Registered Client Service Associate
Phone:
(954) 476-5232(954) 476-5232
Ethan Bashan
Registered Client Service Associate
Phone:
(954) 476-4024(954) 476-4024
Tiany Eversley, MBA
Senior Registered Client Service Associate, Financial Planning Specialist
Phone:
(954) 577-8857(954) 577-8857
About Me
William “Billy” Fischer, QPFC, is a Managing Director and Senior Portfolio Advisor with over 30 years of experience in the financial services industry. He is passionate about helping ultra wealthy individuals, families, and business owners navigate an ever-changing financial landscape by delivering personalized, client-centric strategies. Known for his thoughtful guidance and deep market knowledge, Billy and his team have built long-standing relationships by advocating for his clients and ensuring they feel confident in their financial decisions. His philosophy centers on listening first and customizing recommendations based on what truly matters to each client.
He has been recognized as a Forbes Best-In-State Wealth Advisor from 2022-2025, and his team was named Forbes Best-In-State Wealth Management Teams from 2023-2025. Billy holds the Qualified Plan Financial Consultant (QPFC) issued by the National Association of Plan Advisors (NAPA).
With a team that reflects the multigenerational needs of his clients, The Fischer Team is committed to guiding families through all stages of their financial journeys—transforming uncertainty into opportunity with calm, experience-driven advice.
Billy is a graduate of the University of South Florida and active in his local community. Originally from New York, he lives in South Florida with his wife and their three children.
2022-2025 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
He has been recognized as a Forbes Best-In-State Wealth Advisor from 2022-2025, and his team was named Forbes Best-In-State Wealth Management Teams from 2023-2025. Billy holds the Qualified Plan Financial Consultant (QPFC) issued by the National Association of Plan Advisors (NAPA).
With a team that reflects the multigenerational needs of his clients, The Fischer Team is committed to guiding families through all stages of their financial journeys—transforming uncertainty into opportunity with calm, experience-driven advice.
Billy is a graduate of the University of South Florida and active in his local community. Originally from New York, he lives in South Florida with his wife and their three children.
2022-2025 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Securities Agent: MT, MI, SC, NC, MO, GA, DC, CO, NY, MA, AL, TX, PR, NJ, IL, FL, PA, AZ, IN, WA, VT, TN, CA, MD, CT, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 518912
NMLS#: 518912
About Me
Jean Pierre “JP” Lemoine is a partner at The Fischer Group, where he serves as Senior Vice President, Wealth Management Advisor, and Senior Portfolio Advisor. In 2025, he was named to the Forbes Best-In-State Next-Gen Wealth Advisors List, and for the last three years, he has been named to the Forbes “Best-in-State Wealth Management Teams” list as a member of The Fischer Group (Published annually in January. Rankings based on data as of March 31 of prior year).
JP embarked on his wealth management journey in 2011, initially joining as an intern before advancing to roles as a Client Associate, advisor, and ultimately, partner at The Fischer Group. He is a Certified Private Wealth Advisor® and holds the Qualified Plan Financial Consultant (QPFC) designation from the National Association of Plan Advisors (NAPA), underscoring his commitment to professional excellence.
As a partner at The Fischer Group, JP collaborates with a select clientele of high-net-worth individuals, families, and businesses, offering a bespoke approach to wealth management. A native of South Florida and an alumnus of The University of Miami, JP balances his professional life with personal interests, including spending quality time with his wife and daughter, exploring technology and science fiction literature, and enjoying critically acclaimed television series.
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2025) Data compiled by SHOOK Research LLC for the period 3/31/24 - 3/31/25.
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
JP embarked on his wealth management journey in 2011, initially joining as an intern before advancing to roles as a Client Associate, advisor, and ultimately, partner at The Fischer Group. He is a Certified Private Wealth Advisor® and holds the Qualified Plan Financial Consultant (QPFC) designation from the National Association of Plan Advisors (NAPA), underscoring his commitment to professional excellence.
As a partner at The Fischer Group, JP collaborates with a select clientele of high-net-worth individuals, families, and businesses, offering a bespoke approach to wealth management. A native of South Florida and an alumnus of The University of Miami, JP balances his professional life with personal interests, including spending quality time with his wife and daughter, exploring technology and science fiction literature, and enjoying critically acclaimed television series.
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2025) Data compiled by SHOOK Research LLC for the period 3/31/24 - 3/31/25.
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Securities Agent: TX, NY, VT, MT, IN, DC, CT, PA, IL, TN, MA, CA, AZ, VA, AL, PR, NJ, MO, MI, FL, CO, WA, SC, NC, MD, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1234831
NMLS#: 1234831
About Maya Tzur Mosher
Maya has been in wealth management since 2019, after several years in the banking and insurance world. She is an Assistant Vice President with The Fischer Group, helping high net worth businesses and individuals with tailored legacy planning and personalized advice to grow and preserve their wealth.
Maya is a CERTIFIED FINANCIAL PLANNER™ certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc., and holds the Qualified Plan Financial Consultant (QPFC) awarded by the National Association of Plan Advisors (NAPA). She is a South Florida native and University of Florida Honors College graduate who loves making a difference in her home community. In her spare time, Maya thoroughly enjoys traveling, spending time with her husband and family, performing in and attending theatre productions, watching both college and professional sports, and reading novels.
Maya is a CERTIFIED FINANCIAL PLANNER™ certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc., and holds the Qualified Plan Financial Consultant (QPFC) awarded by the National Association of Plan Advisors (NAPA). She is a South Florida native and University of Florida Honors College graduate who loves making a difference in her home community. In her spare time, Maya thoroughly enjoys traveling, spending time with her husband and family, performing in and attending theatre productions, watching both college and professional sports, and reading novels.
Securities Agent: AL, AZ, CA, CO, CT, FL, GA, IL, KY, MD, MA, MI, MS, MO, MT, NV, NH, NJ, NY, NC, OR, PA, SC, TN, TX, VT, VA, WA; General Securities Representative; Investment Advisor Representative
About Rosa Cortiza
Rosy has been an integral member of the Fischer Group since 2000, bringing more than three decades of experience in the financial services industry. Her deep understanding of the complexities inherent in multi-generational wealth management allows her to anticipated needs, navigate intricate situations, and deliver a seamless client experience.
As a dedicated point of contact for our clients, Rosy helps ensure every interaction is handled with precision, discretion, and efficiency. She is recognized for her ability to resolve sophisticated administrative matters swiftly, while maintaining the highest standards of service and confidentiality.
Rosy’s long-standing relationships with the families we serve are a testament to her unwavering commitment to excellence. She understands that enduring client relationships are built on trust, proactive communication, and an unrelenting attention to detail. Fluent in Spanish, Rosy also provides an additional layer of accessibility and comfort to our diverse clientele.
As a dedicated point of contact for our clients, Rosy helps ensure every interaction is handled with precision, discretion, and efficiency. She is recognized for her ability to resolve sophisticated administrative matters swiftly, while maintaining the highest standards of service and confidentiality.
Rosy’s long-standing relationships with the families we serve are a testament to her unwavering commitment to excellence. She understands that enduring client relationships are built on trust, proactive communication, and an unrelenting attention to detail. Fluent in Spanish, Rosy also provides an additional layer of accessibility and comfort to our diverse clientele.
About Emily LaDow
Emily LaDow brings extensive experience in wealth management to her role as a Registered Wealth Management Client Service Associate, supporting clients with care, precision, and a commitment to long-term relationships. She holds a Bachelor’s degree in International Affairs from Florida State University and a Master of Business Administration from Florida Atlantic University.
Known for her dedication to client service and collaborative approach. Emily values continuous learning and professional excellence—qualities that make her a trusted partner to both clients and colleagues. Originally from New York, she now resides in South Florida, where she enjoys reading, traveling, and spending quality time with her family.
Known for her dedication to client service and collaborative approach. Emily values continuous learning and professional excellence—qualities that make her a trusted partner to both clients and colleagues. Originally from New York, she now resides in South Florida, where she enjoys reading, traveling, and spending quality time with her family.
About Ethan Bashan
Ethan Bashan serves as the Registered Client Service Associate for the Fischer W Group. As the person responsible for operational and administrative support, he partners with the team to deliver consistent red-carpet client service. Ethan started in the financial services industry in 2018 specializing in working with high-net-worth clients and joined Morgan Stanley in 2024 bringing his knowledge of investments and banking products with him. Ethan graduated from Florida State University in 2016 with a degree in Economics.
Over the years Ethan has developed a keen understanding of financial markets and a commitment to providing exceptional service to clients. Ethan’s focus lies in managing client relationships, addressing their financial needs, and helping ensure their investment goals are met with precision and care.
Over the years Ethan has developed a keen understanding of financial markets and a commitment to providing exceptional service to clients. Ethan’s focus lies in managing client relationships, addressing their financial needs, and helping ensure their investment goals are met with precision and care.
About Tiany Eversley
Tiany is a Senior Registered Client Service Associate and Financial Planning Specialist who began her career in the financial industry over 15 years ago. Her dedication and commitment to excellence led to several promotions, including Operations Specialist, International Account Representative. She joined Morgan Stanley in 2018 supporting several teams the local area. Tiany is originally from Panama and has made the US her home for over 18 years. She holds a Bachelor of Science degree in Marketing and an MBA in Strategic Management from Santa María La Antigua University in Panama. Outside of work, she enjoys traveling, spending quality time with her family, and cherishing moments with her son.
Contact William Fischer
Contact Jean Pierre Lemoine
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
Article Image
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
Rational Investing in an Age of Uncertainty
Article Image
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
Article Image
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
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
Ready to start a conversation? Contact The Fischer W 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
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.
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.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
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.
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.
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)
