Tricia Fontan
First Vice President, Wealth Management, Financial Advisor
Phone:
(702) 242-8377(702) 242-8377
The Fontan Erickson Group at Morgan Stanley
Direct:
(702) 242-8335(702) 242-8335
Toll-Free:
(800) 247-2265(800) 247-2265
Our Mission Statement
Excellence in helping clients like you with your personalized investment and financial strategies
The Fontan-Erickson Group
For years, The Fontan-Erickson Group at Morgan Stanley has been utilizing advanced market intelligence and up-to-the-minute resources to help clients reach their financial goals. We have a dedicated focus on creating customized portfolios for our clients based on their individual needs. Our central principle is to faithfully guide our clients through each and every step of the financial planning process using investment, insurance, and lending strategies that are tailored to help meet each family’s unique needs. Our commitment to our process and uncompromised integrity has helped us build life-long relationships with all of our clients. We look forward to building a long-lasting relationship with you and your family.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
At Morgan Stanley, we believe that identifying financial solutions begins with a solid understanding of each client's situation, goals, objectives, and risk tolerance. We follow a disciplined process that allows us to work with you to craft a solution that helps to meet your individual financial needs:
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your accounts helping ensure a comprehensive financial plan.
Step 4: Action Items / Next Steps
After the financial plan presentation, we will follow up with you regarding our analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits, and insurance coverage.
Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
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 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 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 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.
Financial Planning
Your goals, assets, liabilities and other important information are gathered and analyzed. We then use our perspective and experience with other unique clients like you to make recommendations on spending, giving, and living.
Wealth Management
We take a holistic approach to bring all the aspects of your financial life together. We use our analysis and experience to develop a customized plan for you.
Manage Debt
We thoroughly review your mortgage, care loans, credit cards, any 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.
Cash Management and Lending Products
As a Morgan Stanley client, you have access to a comprehensive suite of cash management solutions. This includes eAuhtorizations, Bill Pay, Morgan Stanley Debit Cards and more.
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.
Tax Strategies
Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results. The decisions you make today can help you save for years to come. Use the resources found in the link below to help get started.
View Tax-Aware Strategies HereValuable Tools and Resources:
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies that we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security Center
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn About Our Planning Tools
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest Report
Morgan Stanley Mobile App
The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online – all from the convenience of your own phone. It also offers features to simplify your everyday finances. These include mobile check deposit and Send Money with Zelle, a convenient way to send and receive money.
Click Here to Learn More
E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures for necessary paperwork. There is no registration process to begin using E-Sign – all you need is a valid email address and phone number.
Click Here to Learn More
2025 Tax Tables
This helpful resource outlines the 2025 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.
Access the 2025 income tax tablesWHAT TO EXPECT
We study investment trends and leverage the global resources of Morgan Stanley to help you develop a personalized investment strategy.
Personalized Portfolios
As Portfolio Managers, we can use our discretion to identify an investment strategy tailored to meet your needs.
Comprehensive Communications
Throughout our relationship, you’ll have direct access to our team.
Client Focus
Each account can be individually customized to meet your requirements for growth, income or preservation of capital within your risk constraints.
Asset-Based Fee
Fees for the program are based on your account’s asset level, not on the number of transactions performed in a given time period.
Location
8548 Rozita Lee Ave
Ste 400
Las Vegas, NV 89113
US
Direct:
(702) 242-8335(702) 242-8335
Toll-Free:
(800) 247-2265(800) 247-2265
Meet The Fontan Erickson Group
Jon Erickson
First Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(702) 242-8335(702) 242-8335
Jasper Aperocho, CRPC®
Registered Client Service Associate (CSA)
Phone:
(702) 242-8399(702) 242-8399
About Tricia Fontan
Tricia Fontan is a Financial Advisor and First Vice President with The Fontan-Erickson Group at Morgan Stanley with a passion for helping her clients achieve their financial goals. Tricia’s educational background in accounting and extensive industry experience equip her to understand complex financial issues and provide expert guidance to her clients. Tricia’s unique approach to financial planning is rooted in understanding each client’s personal goals and ambitions. She creates a custom plan for each client to set goals and monitor progress. Tricia finds it extremely rewarding when her clients reach their financial goals and can enjoy significant life events like retirement, weddings, and education for children.
Tricia has a bachelor’s degree in Accounting from the University of St. Thomas in St. Paul, MN, where she gained a strong foundation in cash flows, budgeting, and tax implications. She also holds a CPA license, which further demonstrates her expertise in financial planning and her commitment to upholding high ethical standards in the industry.
Tricia’s commitment to providing exceptional customer service is evident in her team’s goal of responding to clients by the end of each day and introducing them to all the benefits that Morgan Stanley has to offer. Her clients appreciate her unique approach, describing her as detail-oriented, knowledgeable, and always ready to help.
Outside of work, Tricia is committed to giving back to her community. She supports local organizations, including her local little league, animal shelters, and high school. In her free time, she enjoys spending time with her family, attending her kids’ baseball games, reading, and visiting Disneyland.
Tricia has a bachelor’s degree in Accounting from the University of St. Thomas in St. Paul, MN, where she gained a strong foundation in cash flows, budgeting, and tax implications. She also holds a CPA license, which further demonstrates her expertise in financial planning and her commitment to upholding high ethical standards in the industry.
Tricia’s commitment to providing exceptional customer service is evident in her team’s goal of responding to clients by the end of each day and introducing them to all the benefits that Morgan Stanley has to offer. Her clients appreciate her unique approach, describing her as detail-oriented, knowledgeable, and always ready to help.
Outside of work, Tricia is committed to giving back to her community. She supports local organizations, including her local little league, animal shelters, and high school. In her free time, she enjoys spending time with her family, attending her kids’ baseball games, reading, and visiting Disneyland.
Securities Agent: AZ, MI, IA, NC, PA, NM, NJ, MS, HI, WA, TN, OH, NE, LA, IL, PR, CT, TX, OR, CA, WV, UT, SC, OK, FL, AL, NY, MN, SD, VA, NV, MT, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1293975
CA Insurance License #: 0J07666
NMLS#: 1293975
CA Insurance License #: 0J07666
About Jon Erickson
Jon L. Erickson is a Senior Portfolio Manager, Financial Advisor, First Vice President, and founding partner of The Fontan-Erickson Group at Morgan Stanley. He has a Bachelor of Arts degree from Rutgers University in New Brunswick, New Jersey. Jon began his professional investment career in 1991 after graduating from Rutgers and joined Morgan Stanley in 2011. Jon’s diverse career experiences over the years have provided him a unique perspective on the investment process. From his early years as a financial planning apprentice, to his institutional investment management days, Jon has had a wealth of real-life experiences that he calls on to help clients make better financial decisions.
Jon has been utilizing advanced market intelligence and up-to-the-minute resources to help clients reach their financial goals. His team is dedicated to focusing on creating customized portfolios for their clients based on their individual needs. Jon’s central principle is to faithfully guide his clients through each and every step of the financial planning process using investment, insurance, and lending solutions that are tailored to meet each family’s unique needs. His commitment to his process and uncompromised integrity has helped him build life-long relationships with all of his clients.
The majority of Jon’s early career was spent representing institutional portfolio managers with companies like Dreyfus/Mellon, ING. During this time, Jon learned the nuances of portfolio management and analysis. His focus on the team is dedicated to helping clients develop risk appropriate portfolio strategies to help meet long term financial goals. With the assistance of The Consulting Group Research Team, Jon has been able to introduce his clients to world class money managers exclusive to Morgan Stanley who specialize in many different investment strategies. These strategies are implemented according to the client’s personal goals and monitored regularly.
Jon is married to his wife, Amy, and they have four children. He enjoys spending time with his family, swimming, cycling, skiing, and anything involving the outdoors. As a member of Red Rock Country Club, you will often find Jon socializing or working out in the member’s clubhouse.
Jon has been utilizing advanced market intelligence and up-to-the-minute resources to help clients reach their financial goals. His team is dedicated to focusing on creating customized portfolios for their clients based on their individual needs. Jon’s central principle is to faithfully guide his clients through each and every step of the financial planning process using investment, insurance, and lending solutions that are tailored to meet each family’s unique needs. His commitment to his process and uncompromised integrity has helped him build life-long relationships with all of his clients.
The majority of Jon’s early career was spent representing institutional portfolio managers with companies like Dreyfus/Mellon, ING. During this time, Jon learned the nuances of portfolio management and analysis. His focus on the team is dedicated to helping clients develop risk appropriate portfolio strategies to help meet long term financial goals. With the assistance of The Consulting Group Research Team, Jon has been able to introduce his clients to world class money managers exclusive to Morgan Stanley who specialize in many different investment strategies. These strategies are implemented according to the client’s personal goals and monitored regularly.
Jon is married to his wife, Amy, and they have four children. He enjoys spending time with his family, swimming, cycling, skiing, and anything involving the outdoors. As a member of Red Rock Country Club, you will often find Jon socializing or working out in the member’s clubhouse.
Securities Agent: CO, IA, VA, TX, OR, NM, MI, PR, NJ, MS, LA, CA, SC, NV, IL, HI, NC, WA, TN, PA, NY, MN, AZ, SD, FL, CT, OH, AL, NE, WV, UT, OK, MT; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1282596
CA Insurance License #: 0C73085
NMLS#: 1282596
CA Insurance License #: 0C73085
About Jasper Aperocho
Jasper is a Registered Client Service Associate (CSA) with The Fontan Erickson Group at Morgan Stanley. He helps shape the future of our service with his desire to be thorough, efficient, personable, and effective. Jasper is modernizing the client experience through our technology and is elevating our standard of care. He truly cares about our clients and works hard to help them simplify and manage aspects of their financial life. He strives to provide every client we serve with a first-class customer experience.
Jasper cultivates and enhances new and existing client relationships through active communication, processing client requests, resolving inquiries, and making sure key information and documentation remains current. He helps run our business with an eye on each administrative detail and finds the issues that need to be addressed. He is a fantastic partner within our group.
Jasper majored in Financial Management at Xavier University – Ateneo de Cagayan. He graduated in 2017 with his Bachelor of Science in Business Administration. Prior to joining Morgan Stanley in March of 2025, Jasper worked at Ameriprise Financial. He has acquired his Series 7, Series 66, and Series 24 licenses. He also earned the CRPC® (Chartered Retirement Planning Counselor) designation. Jasper passed his level 1 exam for the prestigious Chartered Financial Analyst (CFA®) designation and is working towards passing his CFA level 2 exam.
Jasper is from Las Vegas. Outside of work, he enjoys the outdoors, to hike, run and anything that gets him outside of the house. He also enjoys spending quality time with family and friends.
Jasper cultivates and enhances new and existing client relationships through active communication, processing client requests, resolving inquiries, and making sure key information and documentation remains current. He helps run our business with an eye on each administrative detail and finds the issues that need to be addressed. He is a fantastic partner within our group.
Jasper majored in Financial Management at Xavier University – Ateneo de Cagayan. He graduated in 2017 with his Bachelor of Science in Business Administration. Prior to joining Morgan Stanley in March of 2025, Jasper worked at Ameriprise Financial. He has acquired his Series 7, Series 66, and Series 24 licenses. He also earned the CRPC® (Chartered Retirement Planning Counselor) designation. Jasper passed his level 1 exam for the prestigious Chartered Financial Analyst (CFA®) designation and is working towards passing his CFA level 2 exam.
Jasper is from Las Vegas. Outside of work, he enjoys the outdoors, to hike, run and anything that gets him outside of the house. He also enjoys spending quality time with family and friends.
Contact Tricia Fontan
Contact Jon Erickson
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Savanah Arellano
Associate Private Banker
About Savanah Arellano
Savanah Arellano is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Nevada and California.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Savanah began her career in financial services in 2005 and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, she was a Wealth Management Associate at the U.S. Bancorp. She lives in Las Vegas, Nevada with her family. Outside of the office, Savanah enjoys reading, cooking, and spending time with her kids at their sporting events and volunteering in their classrooms.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Savanah began her career in financial services in 2005 and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, she was a Wealth Management Associate at the U.S. Bancorp. She lives in Las Vegas, Nevada with her family. Outside of the office, Savanah enjoys reading, cooking, and spending time with her kids at their sporting events and volunteering in their classrooms.
NMLS#: 679740
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact The Fontan Erickson Group today.
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.
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8When 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.
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8When 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.
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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)