Senior Vice President, Financial Advisor, Financial Planning Specialist, Portfolio Management Director
Phone:
(770) 643-7677(770) 643-7677
The Tekton 400 Group at Morgan Stanley
Direct:
(770) 664-3335(770) 664-3335
Toll-Free:
(800) 965-3168(800) 965-3168
Our Mission Statement
Strengthening your financial foundation, to help you take care of the people you love and support.
Our Story and Services
Volatile markets. Tax law changes. Unexpected life events. Managing wealth in an everchanging world can be overwhelming. Whether you're a busy executive, energetic retiree or full-time parent, you deserve advisors who can help simplify your life.
- Advisors who have specific knowledge, credentials, and experience
- Advisors who take the time to understand your needs and goals
- Advisors who educate you so you can be an active participant in the important decisions of your life
You deserve to enjoy the wealth that you have worked so hard to achieve, rather than worrying about your financial future.
Our team fosters long-term relationships with our clients that are predicated on trust and performance. We assist with every aspect of your financial life - from putting your children through college to realizing your retirement dreams to enhancing your portfolio with strategies that address a complex and ever-changing financial landscape.
We have a long history of working with smart, sophisticated, and successful individuals, families, business leaders, and philanthropic organizations that rely on us to help protect the wealth that they earned. We follow a disciplined process to make sure every result and each potential risk is identified and quantified. Because wealth accumulation, whether earned or inherited, is not a simple business. And protecting it is even harder.
The advisors at the Tekton 400 Group have designations that indicate a comprehensive understanding of the entire retirement planning process, as well as sophisticated investment knowledge pertaining to the complex needs of families and institutional investors.
Simply put, we have the knowledge, credentials and experience to understand the whole picture of your situation and to build a comprehensive plan to match it.
Services Include
- Retirement PlanningFootnote1
- Financial PlanningFootnote2
- Wealth ManagementFootnote3
- Lending Products
- Asset Management
- 401(k) Rollovers
- Estate Planning StrategiesFootnote4
- Long-term Care InsuranceFootnote5
- Business PlanningFootnote6
- Divorce Financial AnalysisFootnote7
- Planning for Individuals with Special Needs and their Families
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Goals-Based Process
No matter who the client is, we focus on the well-being of their entire family, knowing that every decision we make together may impact many people. Together, we work to answer their most pressing questions, both immediate and long-term:
- What does the new tax law mean to my investments?
- How can I maximize my employment benefits?
- How soon can I retire?
- How long will the money last?
- Will it allow me to continue in the same kind of lifestyle?
- How can I best safeguard my children and grandchildren's future?
The solutions our clients need may be simple or sophisticated. Either way, we have the credentials, dedicated resources and analytical tools to focus on each client's unique goals, manage their complexity and offer customized strategies and solutions to address their specific needs.
Step 1: Get to Know Each Other
- Listen carefully to understand what is important to you and your family
- Understand the life events that are bringing you to us
- ntroduce you to our team and how we can assist you
- Request important data, documents and financial statements
Step 2: Develop Your Custom Retirement Plan
- Analyze your investments and cash management strategies
- Develop your personalized plan, utilizing proprietary tools and insights from Morgan Stanley
- Integrate any outside retirement plan assets into your overall plan
- Coordinate strategies with your CPA and estate attorney
Step 3: Implement Your Plan
- Prepare and complete necessary paperwork
- Prioritize activities and establish timelines
- Set up tools to provide convenient access to your accounts
- Provide ongoing updates to ensure your plan is implemented as expected
Step 4: Deliver Ongoing Service
- Apply a strict due diligence process to evaluate investment performance
- Schedule regular calls and meetings to discuss progress towards your goals
- Determine if any adjustments are needed, since personal goals and market conditions can change over time
Business & Retirement
Our goal is to help you navigate the complexities of retirement planning. We are proud to share that our team at Morgan Stanley offers corporate retirement solutions and business-focused strategies to address the unique needs of your organizations.
As a firm, we handle thousands of retirement plans. As a team we work with a sizeable number of retirement plans, from small business plans with few employees, to larger more established plans with hundreds of employees. We are well-versed in all types of corporate plans, including 401(k), Profit Sharing, Defined Benefit and Non-Qualified plans.
Equity Compensation at Every Stage of Retirement Planning
Learn eight tips to help you make the most of your equity compensation benefits when you're saving for, nearing and entering retirement.
Retirement Plans Inside and Outside of Work
Saving enough for a comfortable retirement is one of most people's greatest financial goals—and challenges. Fortunately, there are tax-advantaged accounts available at work—and outside of it—specifically designed to help you save for your golden years. Let's get to know them.
Financially Smart Ways to Take Money Out of Retirement Accounts
Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.
Workplace Benefits for Small Businesses
On your team, every person can have a big impact. Financial benefits can show employees you care and may help retention and attract top talent.
Retirement Plan Options
Learn about retirement plans for smaller businesses and how to select the right type for you and your employees. Compare SEP or SIMPLE IRAs vs 401(k)s.
Getting to Know IRAs
For those who don't have access to, or are not eligible to participate in, a retirement plan at work – or those who do and want to save even more for retirement or want a retirement vehicle with potentially more investment flexibility – an individual retirement account (IRA) may be an option worth exploring.
Succession Planning
Succession planning is vital for ensuring the longevity of your business beyond your retirement. Develop a comprehensive plan that includes identifying potential successors, training them, and establishing a timeline for transition.
Specialized Advice for a Unique Career
Success in sports and entertainment can create opportunities unlike those found in a traditional career. Income may fluctuate, careers can evolve quickly, and financial decisions made today can have an impact long beyond the spotlight.
Through Morgan Stanley's Global Sports & Entertainment resources, our team works with athletes and entertainers to help navigate the unique financial considerations that can accompany their careers.
Above all, we take the time to understand you, the people who matter to you, and what you want your success to mean for the future.
Understand. Advise. Deliver... Succeed.
Understand
Your career, lifestyle, income, responsibilities and aspirations are uniquely yours. We start by listening and developing a deeper understanding of what matters most to you.
Advise
From variable income and taxes to building and preserving wealth, family considerations and life after your current career, we help you evaluate your financial picture and develop strategies around your goals.
Deliver
We bring together our team's experience and the broader resources of Morgan Stanley to help address your evolving needs throughout different stages of your career and life.
Your Career Is Unique. Your Financial Strategy Should Be, Too.
For athletes and entertainers, "typical" may not accurately describe financial life. Career timelines can be different, income can change considerably from year to year, and opportunities may arise quickly.
Our team can help you think strategically about:
- Building and preserving wealth
- Managing variable income and cash flow
- Preparing for taxes and significant financial decisions
- Supporting family and future generations
- Planning for career transitions
- Exploring entrepreneurial opportunities
- Expanding your personal brand
- Incorporating philanthropy into your broader wealth strategy
The Power of a Team
Your financial life may involve a number of trusted professionals. We can work alongside your attorneys, accountants, agents and other advisors, respecting the relationships you have already built and bringing those perspectives together around your larger goals.
The objective is simple: to help you make thoughtful financial decisions today while keeping an eye on what comes next.
Resources for Every Stage of Your Career
Wealth Management for Athletes and Entertainers
Explore the unique wealth management considerations athletes and entertainers may encounter throughout their careers.
NFLPA Collaboration
Explore resources designed to help players think about building and managing wealth for generations to come.
The Path from Athlete to Entrepreneur
A career in sports may be only one chapter. Explore considerations for athletes thinking about entrepreneurship and opportunities beyond their playing careers.
Financial Solutions for Prospective Pros
Explore resources available to prospective professional athletes as they begin establishing their financial foundation and prepare for the next stage of their careers.
AWARD-WINNING WEALTH MANAGEMENT. FOCUSED ON YOU.
With the guidance of a Morgan Stanley Financial Advisor and the strength of a five-time award-winning wealth management platform<sup> <a href="#wm-disclosure-1" class="Link--underline"> <span class="sr-only">Footnote</span> 1 </a> </sup>, you can build, preserve, and manage your wealth with precision and purpose. For every stage of your financial journey.
Tax-Smart Solutions
Leading tax optimization capabilities\<sup\> \<a href="#wm\-disclosure\-2" class="Link\-\-underline"\> \<span class="sr\-only"\>Footnote\</span\> 2 \</a\> \</sup\> designed to deliver year\-round tax management with an eye toward reducing taxes and boosting after\-tax returns.
Seamless Cash Management Integration
A comprehensive, coordinated strategy with access to competitive yields, flexible financing options, and exclusive cash management resources.
Premier Risk Management and Cyber Defense
Industry\-acclaimed risk management tools\<sup\> \<a href="#wm\-disclosure\-3" class="Link\-\-underline"\> \<span class="sr\-only"\>Footnote\</span\> 3 \</a\> \</sup\> to help drive smarter portfolio decisions. In\-house team of cybersecurity experts dedicated to help protect you from cyber threats.
Personalized Legacy Planning
Guidance from experienced professionals across estate, trust, philanthropy, and financial planning to help preserve and grow your legacy.
An Industry-Leading Platform
Expert insights from 500+ equity analysts to help unlock your portfolio's potential and investment guidance.
Liquidity When You Need It
Industry\-leading securities\-based lending solutions to help access liquidity without selling assets or disrupting your investment strategy.\<sup\> \<a href="#wm\-disclosure\-4" class="Link\-\-underline"\> \<span class="sr\-only"\>Footnote\</span\> 4 \</a\> \</sup\>
Robust Concentrated Stock Solutions
Powerful tools and strategies to help manage concentrated stock positions and look to optimize portfolio outcomes.
Alternatives & Private Markets Access
A comprehensive alternative investments platform offering tailored solutions, early access to select offerings, and competitive pricing structures. Exclusive private market and pre\-IPO opportunities that were previously reserved for institutions.
Location
2400 Lakeview Pkwy
Suite 300
Alpharetta, GA 30009
US
Direct:
(770) 664-3335(770) 664-3335
Toll-Free:
(800) 965-3168(800) 965-3168
Meet The Tekton 400 Group
Senior Vice President, Financial Advisor, Insurance Planning Director, Financial Planning Specialist
Phone:
(770) 643-7617(770) 643-7617
Financial Advisor, Senior Vice President, Portfolio Manager, Workplace Advisor – Equity Compensation
Phone:
(770) 664-3346(770) 664-3346
Phone:
(404) 459-3963(404) 459-3963
Dylan Haynes, CRPC®
Registered Client Service Associate, Financial Planning Specialist
Phone:
(770) 643-7684(770) 643-7684
Tory Nixon
Wealth Management Associate
Phone:
(770) 664-3335(770) 664-3335
Helene Wollstein
Wealth Management Associate
Phone:
(770) 664-3329(770) 664-3329
About Nicky Rudd
Nicky has been in the financial services business for 22 years. She started at Merrill Lynch and worked there until February of 2012. She then spent 3 years at Fifth Third Securities before joining her current firm, Morgan Stanley in Alpharetta, Georgia in 2016. She holds the Certified Financial Planner, Certified Investment Manager designation from the Investment & Wealth Institute (formerly IMCA) as well as the Chartered Retirement Planning Counselor designation from the College for Financial Planning.
Nicky grew up in the Philadelphia area and has lived in Georgia since 1996. She moved to Alpharetta in 2013. She earned her Bachelor of Science in Engineering from Syracuse University and SUNY College of Environmental Science and Forestry, while also playing field hockey and lacrosse. She then went on to earn her MBA in Finance from Villanova University in Villanova, Pennsylvania. She held various technical and management roles prior to becoming a financial advisor.
Nicky has two adult children who live in the Alpharetta area.
Nicky is the President of the Board of Directors of Brewable Inc., a nonprofit that is providing job training and jobs for adults with disabilities in a café setting. She is also a Board Member of Clean the World Foundation & the Keitt Institute, participated in Mom’s Sleep Out for Covenant House. She is also a past Board Member of EnAble of GA, which provides services for developmentally disabled adults. Part of the 2021 Leadership North Fulton Class.
She is currently a member of Morgan Stanley’s SE Region Diversity Council, Co-Chair of MS Women in Wealth Atlanta, and the Disability Employee Network.
Nicky grew up in the Philadelphia area and has lived in Georgia since 1996. She moved to Alpharetta in 2013. She earned her Bachelor of Science in Engineering from Syracuse University and SUNY College of Environmental Science and Forestry, while also playing field hockey and lacrosse. She then went on to earn her MBA in Finance from Villanova University in Villanova, Pennsylvania. She held various technical and management roles prior to becoming a financial advisor.
Nicky has two adult children who live in the Alpharetta area.
Nicky is the President of the Board of Directors of Brewable Inc., a nonprofit that is providing job training and jobs for adults with disabilities in a café setting. She is also a Board Member of Clean the World Foundation & the Keitt Institute, participated in Mom’s Sleep Out for Covenant House. She is also a past Board Member of EnAble of GA, which provides services for developmentally disabled adults. Part of the 2021 Leadership North Fulton Class.
She is currently a member of Morgan Stanley’s SE Region Diversity Council, Co-Chair of MS Women in Wealth Atlanta, and the Disability Employee Network.
Securities Agent: ND, OH, VT, TN, NJ, MO, CO, WY, MI, KS, IL, HI, FL, NC, DC, PA, MS, MA, VA, WV, SC, OK, NH, DE, WI, TX, IN, GA, CT, WA, UT, OR, NY, CA, RI, MT, KY, AZ, NV, NE, MN, MD, LA, AL; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 545037
NMLS#: 545037
About Randy Dombrowski
Randy is a Senior Vice President, Financial Planning Specialist, Insurance Planning Director, and Financial Advisor at the GA 400 Group, a highly skilled wealth management practice located in Alpharetta, GA. An industry veteran with more than 35 years of experience, Randy focuses on helping successful individuals and families understand the intricate details of their wealth. He is proud to be a longstanding member of Morgan Stanley, having been part of the firm’s history since 1984.
Growing up in Central Wisconsin, Randy was always intrigued by the stock market. After graduating from the University of Wisconsin with a dual degree in Industrial Engineering and Marketing, he began his career in the corporate offices of Caterpillar Tractor Company. It was during this time that he inherited $1,500 from his grandfather. After one year of stock trading, he turned his initial investment into $10,000. He enjoyed the experience so much that he decided to make a career change that would impact the rest of his life. He joined E.F. Hutton (now Morgan Stanley) as a Financial Advisor and has been devoted ever since to helping clients achieve their long-term goals, while striving to strengthen their family’s financial independence.
Randy draws upon his vast knowledge and experience to provide clients with tailored advice and outstanding service. His disciplined process begins with asking the right questions and actively listening. This information then serves as the foundation for the development of a detailed plan that reflects each client’s goals, values and circumstances. He enjoys educating his clients about complex strategies using simple and easy-to-understand language.
Randy’s desire to help others is equaled only by his dedication to his family, church and his industry. He and his wife, Jeanene, have been married for 28 years and counting and are both active members of the Perimeter Church. Randy has also been a member of the Association for Professional Investment Consultants since 2010.
Randy and Jeanene currently reside in Alpharetta, GA. Their daughter, Jordan Rae, who graduated from Stamford University just jointed the Children Health Society (CHS) in Fort Meyer Florida as a counselor. Outside of the office, Randy enjoys staying active with various woodworking activities and crafts, landscaping projects and constructing and maintaining his koi pond.
Licenses: Series 7, 31, 63, 65, 3, Annuity & Insurance Licensed
Growing up in Central Wisconsin, Randy was always intrigued by the stock market. After graduating from the University of Wisconsin with a dual degree in Industrial Engineering and Marketing, he began his career in the corporate offices of Caterpillar Tractor Company. It was during this time that he inherited $1,500 from his grandfather. After one year of stock trading, he turned his initial investment into $10,000. He enjoyed the experience so much that he decided to make a career change that would impact the rest of his life. He joined E.F. Hutton (now Morgan Stanley) as a Financial Advisor and has been devoted ever since to helping clients achieve their long-term goals, while striving to strengthen their family’s financial independence.
Randy draws upon his vast knowledge and experience to provide clients with tailored advice and outstanding service. His disciplined process begins with asking the right questions and actively listening. This information then serves as the foundation for the development of a detailed plan that reflects each client’s goals, values and circumstances. He enjoys educating his clients about complex strategies using simple and easy-to-understand language.
Randy’s desire to help others is equaled only by his dedication to his family, church and his industry. He and his wife, Jeanene, have been married for 28 years and counting and are both active members of the Perimeter Church. Randy has also been a member of the Association for Professional Investment Consultants since 2010.
Randy and Jeanene currently reside in Alpharetta, GA. Their daughter, Jordan Rae, who graduated from Stamford University just jointed the Children Health Society (CHS) in Fort Meyer Florida as a counselor. Outside of the office, Randy enjoys staying active with various woodworking activities and crafts, landscaping projects and constructing and maintaining his koi pond.
Licenses: Series 7, 31, 63, 65, 3, Annuity & Insurance Licensed
Securities Agent: OH, NH, MD, AR, WA, NE, MT, MI, ID, CO, WV, UT, RI, KS, DE, CA, NJ, IA, TX, NM, IL, HI, SC, NY, MS, MO, MN, FL, AL, WY, ND, NC, ME, MA, KY, GA, WI, VA, LA, CT, VT, PA, NV, DC, AZ, TN, OK, IN, OR; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1253197
NMLS#: 1253197
About Steve Malone
Steve Malone is a 47-year industry veteran and Senior Vice President. Steve began his career at Merrill Lynch in 1976, and over the years has assumed many roles, including management, before joining Morgan Stanley in 2017. His mission is to understand each client's individual needs and work with each client towards achieving his/her financial goals. Steve also works with clients to prepare for life events such as retirement and generational wealth transfer. He has earned the Chartered Retirement Planning Counselor (CRPC®) designation from the College for Financial Planning, and is a Senior Portfolio Manager.
Steve grew up in Washington, DC, but spent much of his youth with his grandparents in the Bahamas. A technical dive master and overall ocean enthusiast, Steve enjoys traveling anywhere he can find water, especially the Caribbean. His commitment to the sea also includes sailing both for racing and leisure. Steve’s passion for sailing seamlessly transitions to his dedication in Taekwondo, where he holds a second degree black belt.
He is a cum laude graduate from Oglethorpe University in Atlanta, Georgia and is a member of Omicron Delta Kappa (previously known as "The Boar's Head Society" at Oglethorpe University), an academic honor society. He was a Trustee on their board for over 15 years.
Steve grew up in Washington, DC, but spent much of his youth with his grandparents in the Bahamas. A technical dive master and overall ocean enthusiast, Steve enjoys traveling anywhere he can find water, especially the Caribbean. His commitment to the sea also includes sailing both for racing and leisure. Steve’s passion for sailing seamlessly transitions to his dedication in Taekwondo, where he holds a second degree black belt.
He is a cum laude graduate from Oglethorpe University in Atlanta, Georgia and is a member of Omicron Delta Kappa (previously known as "The Boar's Head Society" at Oglethorpe University), an academic honor society. He was a Trustee on their board for over 15 years.
Securities Agent: IN, VA, SC, NE, ND, MD, DE, NY, MO, HI, DC, CO, WI, UT, TN, KY, IL, VT, OK, MT, MN, ME, AZ, OH, FL, CA, WA, RI, PA, NV, LA, NJ, MS, MA, KS, CT, AL, TX, GA, WV, OR, NC, MI, WY; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 544956
NMLS#: 544956
About Me
Ronnie Brown is a Financial Advisor with the Tekton 400 Group at Morgan Stanley. As a former professional athlete who is now a Financial Advisor, Ronnie offers a unique perspective that benefits his clients. As a result of his personal journey, he identifies with his clients and understands the meaning of a true partnership to reach a common goal. He works with business owners, corporate executives, professional athletes and other high net worth individuals to design and implement strategies that address their short- and long-term financial goals. Ronnie is passionate about doing the right thing, with the right people, for the right reasons.
Ronnie was born and raised in Cartersville, GA as a two-sport athlete. Although having an opportunity to further his baseball career, he committed to play football at Auburn University. Ronnie enrolled at Auburn University in the spring of 2000. Upon finishing a successful career at Auburn University, Brown was selected as the 2nd pick in the 2005 NFL draft by none other than Auburn’s cross-state rival’s coach, Nick Saban and the Miami Dolphins. During his tenure in the NFL, he played for four teams (Miami Dolphins, Philadelphia Eagles, San Diego Chargers [now LA], and the Houston Texans).
In 2018, after a successful ten-year professional football career in the NFL complete with a Pro Bowl appearance. Ronnie transitioned into wealth management to work with business professionals, professional athletes, coaches and other high net-worth individuals to strategize and implement solutions addressing short-term and long-term financial goals. While being a former athlete, Ronnie understands the importance of creating a comprehensive financial plan to achieve long-term personal financial goals. He is focused on developing and customizing financial plans targeted to meet clients’ stated goals and objectives. Ronnie possesses the unique understanding of both the intricacies of wealth management, as well as the unconventional needs of a pro athlete. In addition, he recognizes how imperative advanced planning with trustworthy professionals is in developing effective financial strategies for financial success and financial freedom.
Ronnie obtained his Bachelor’s degree in Mass Communication from Auburn University in 2004. He is licensed and registered and currently works as a financial professional. He lives in Atlanta, Georgia with his wife and their two children. Ronnie is a hands-on dad who enjoys supporting his children’s activities, spending time with his family, playing golf and attending various sporting events.
Ronnie was born and raised in Cartersville, GA as a two-sport athlete. Although having an opportunity to further his baseball career, he committed to play football at Auburn University. Ronnie enrolled at Auburn University in the spring of 2000. Upon finishing a successful career at Auburn University, Brown was selected as the 2nd pick in the 2005 NFL draft by none other than Auburn’s cross-state rival’s coach, Nick Saban and the Miami Dolphins. During his tenure in the NFL, he played for four teams (Miami Dolphins, Philadelphia Eagles, San Diego Chargers [now LA], and the Houston Texans).
In 2018, after a successful ten-year professional football career in the NFL complete with a Pro Bowl appearance. Ronnie transitioned into wealth management to work with business professionals, professional athletes, coaches and other high net-worth individuals to strategize and implement solutions addressing short-term and long-term financial goals. While being a former athlete, Ronnie understands the importance of creating a comprehensive financial plan to achieve long-term personal financial goals. He is focused on developing and customizing financial plans targeted to meet clients’ stated goals and objectives. Ronnie possesses the unique understanding of both the intricacies of wealth management, as well as the unconventional needs of a pro athlete. In addition, he recognizes how imperative advanced planning with trustworthy professionals is in developing effective financial strategies for financial success and financial freedom.
Ronnie obtained his Bachelor’s degree in Mass Communication from Auburn University in 2004. He is licensed and registered and currently works as a financial professional. He lives in Atlanta, Georgia with his wife and their two children. Ronnie is a hands-on dad who enjoys supporting his children’s activities, spending time with his family, playing golf and attending various sporting events.
Securities Agent: KY, IN, FL, RI, NE, KS, GA, NC, MS, CA, TX, NM, LA, DE, CT, CO, ND, MO, IA, AL, AZ, WI, OR, OH, WY, WV, WA, SC, NJ, NH, MD, ID, AR, VA, NY, MN, MA, IL, HI, DC, VT, UT, PA, NV, MI, TN, ME, OK, MT; General Securities Representative; Investment Advisor Representative
NMLS#: 2595986
NMLS#: 2595986
About Dylan Haynes
Dylan Haynes is a Registered Client Service Associate who is working towards becoming a financial advisor. Dylan has 3 years of experience in the financial services industry. Prior to joining the Tekton GA 400 Group at Morgan Stanley, he worked at E*TRADE as a Financial Service Representative where he was subsequently promoted to a supervisory role as Team Lead after his first year. Dylan has obtained his SIE, Series 7, Series 63, Series 65, Series 9, and Series 10 licenses.
Dylan also amassed unique experience as an insurance agent with Farmers Insurance where he secured his Property, Casualty, Life, Accident, and Sickness licenses.
At Morgan Stanley, Dylan devotes his time to building and enhancing client relationships. He works closely with Nicky & Randy to help ensure that clients enjoy excellent service and are offered the best possible wealth management solutions.
Dylan grew up in Dawson, GA and earned a Bachelor of Science in Agricultural and Applied Economics from the University of Georgia. He is now settled in Cumming, GA where he lives with his wife, Katie, with whom he has happily been with for the past 8 years since meeting in college.
Outside of work, Dylan cheers on UGA football, is an avid reader, and enjoys spending time with his family and friends.
Dylan also amassed unique experience as an insurance agent with Farmers Insurance where he secured his Property, Casualty, Life, Accident, and Sickness licenses.
At Morgan Stanley, Dylan devotes his time to building and enhancing client relationships. He works closely with Nicky & Randy to help ensure that clients enjoy excellent service and are offered the best possible wealth management solutions.
Dylan grew up in Dawson, GA and earned a Bachelor of Science in Agricultural and Applied Economics from the University of Georgia. He is now settled in Cumming, GA where he lives with his wife, Katie, with whom he has happily been with for the past 8 years since meeting in college.
Outside of work, Dylan cheers on UGA football, is an avid reader, and enjoys spending time with his family and friends.
About Tory Nixon
Over the past 17 years, Tory has worked in several different areas of the financial services industry from banking to brokerage all with a focus on clients’ every day needs. She is committed to providing the highest level of customer service to each and every client. Tory is responsible for the day-to-day management of client requests, which include opening new accounts, transferring assets and assisting clients with Morgan Stanley’s online services.
A 2008 graduate of the University of Cincinnati, Tory remains committed to continuing education. She has earned and maintains her FINRA Series 7, 63 and 65 licenses and is currently studying for her Series 9/10 licenses.
Tory grew up in Northwestern Ohio and made the move south 10 years ago to be closer to family. She currently lives in Sandy Springs with her dog Gus Gus. Outside of the office, Tory enjoys walks with her dog, hiking, swimming and spending time with her friends and family.
A 2008 graduate of the University of Cincinnati, Tory remains committed to continuing education. She has earned and maintains her FINRA Series 7, 63 and 65 licenses and is currently studying for her Series 9/10 licenses.
Tory grew up in Northwestern Ohio and made the move south 10 years ago to be closer to family. She currently lives in Sandy Springs with her dog Gus Gus. Outside of the office, Tory enjoys walks with her dog, hiking, swimming and spending time with her friends and family.
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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
About Nikki Roberts
Nikki Roberts is a Private Banker serving Morgan Stanley Wealth Management offices in Georgia.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Nikki began her career in financial services in 2007, and joined Morgan Stanley in 2017. Prior to joining the firm, she was a Senior Wealth Management Lending Officer at Merrill Lynch. She also served as a Private Banker and Investment Analyst at JP Morgan’s Private Bank.
Nikki is a graduate of The Wharton School at the University of Pennsylvania, where she received a Bachelor of Science in Economics. She lives in Alpharetta, Georgia. Outside of the office, Nikki enjoys reading, listening to live music, and skiing. She volunteers with the Leukemia & Lymphoma Society and the University of Pennsylvania Alumni Club.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Nikki began her career in financial services in 2007, and joined Morgan Stanley in 2017. Prior to joining the firm, she was a Senior Wealth Management Lending Officer at Merrill Lynch. She also served as a Private Banker and Investment Analyst at JP Morgan’s Private Bank.
Nikki is a graduate of The Wharton School at the University of Pennsylvania, where she received a Bachelor of Science in Economics. She lives in Alpharetta, Georgia. Outside of the office, Nikki enjoys reading, listening to live music, and skiing. She volunteers with the Leukemia & Lymphoma Society and the University of Pennsylvania Alumni Club.
NMLS#: 821883
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
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Working closely with you to guide your wealth and investments through the most challenging market cycles.
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Creating customized financial strategies for the challenges that today’s families face.
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
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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.
1When 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.
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.
3Morgan 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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.
7Morgan 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
Please read the important disclosures below.
1) Morgan Stanley Wealth Management secured Money Management Institute/Barron’s Industry Awards for Wealth Manager Platform of the Year. The Wealth Manager Platform of the Year category recognizes a wealth manager platform that exemplifies innovation in delivering better outcomes for investors and Financial Advisors. This award has been secured in 2024, 2021, 2020, 2019 & 2018. The winners were selected by a specially appointed MMI Industry Awards Steering Council. The Steering Council consists of representatives from all segments of the MMI membership. After carefully reviewing the nominations submitted, the Steering Council determined a slate of finalists in each award category. The primary contacts at each of MMI’s 207 member firms were eligible to vote to determine the winners. Nominations were reviewed and evaluated to determine finalists June 2024 - July 2024. Finalists were voted on to determine a winner August 2024. MMI/Barron’s does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to MMI/Barron’s in exchange for its receipt of the award. Morgan Stanley is a member of MMI and pays a fee to MMI as part of its membership dues. Morgan Stanley’s receipt of this award is not indicative of any future performance. These awards were granted to Morgan Stanley based on the time period from October 2023 to June 2024. There were 6 firms considered for the Wealth Management Platform of the Year Award and 12 firms considered for the Distribution Excellence Award. The Money Management Institute (MMI) is the industry association representing financial services firms and Barron’s is a financial magazine; both groups are responsible for the award. Accolade qualifications for past years may vary; additional information available upon request.
2) Industry’s top tax-optimization technology refers to tax management capabilities developed by Eaton Vance and Parametric, affiliates of Morgan Stanley. Morgan Stanley is a leading provider of direct indexing strategies. According to Cerulli Associates’ Q1 2026 Managed Account Edition, Morgan Stanley ranked first among 15 firms in Direct Index SMA assets under management based on reported industry assets. The ranking reflects scale of assets and does not evaluate tax outcomes, performance, or quality of technology. Tax outcomes will vary and are not guaranteed.
3) The Celent Model Wealth Manager 2025 Awards for Data and Analytics and Essential and Emerging Technologies were granted to Morgan Stanley following an evaluation process conducted by Celent analysts. To be considered for this award, Morgan Stanley submitted Model Wealth Manager 2025 Nomination Award Worksheets to Celent on or about January 30, 2025. Celent judged each submission on three criteria: (1) Measurable business benefits of live initiatives; (2) degree of innovation relative to the industry; and (3) technology or implementation excellence. In order to win, the initiatives must demonstrate clear business benefits, innovation, and technology or implementation excellence. Celent does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to Celent in exchange for the award. Morgan Stanley is not affiliated with Celent. Based on their submission on January 30, 2025 for Celent’s 2025 Model Awards program, Celent granted Morgan Stanley their awards in June, 2025 and publicly shared the news in June, 2025. Celent is a global financial services research and advisory firm and is responsible for determining the recipient of this award.
4) Q4 2025 Securities Based Lending McLagan Survey – 6 Firm Report. Based on both Non-Purpose Lending and total SBL balances. Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss.
Not all products, tools, platforms, and services referenced are available to all clients. Please speak with your Financial Advisor for eligibility criteria.
Investing in securities involves risk, including possible loss of principal. Diversification does not guarantee a profit or protect against loss in a declining financial market.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.
Cash management and lending products and services are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures below.
Important Risk Information for Securities Based Lending: Clients must be aware that: (1) Sufficient collateral must be maintained to support the loan and to take future advances; (2) Clients may have to deposit additional cash or eligible securities on short notice; (3) Some or all of the pledged securities may be sold without prior notice in order to maintain account equity at required collateral maintenance levels. Clients will not be entitled to choose the securities that will be sold. These actions may interrupt long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as "Morgan Stanley") reserve the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase the collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason.
With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan.
Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
There is no guarantee that tax-loss harvesting will achieve any particular tax result. Clients may elect Tax Management Services for the account by notifying their Financial Advisor, and indicate what Maximum Tax or Realized Capital Gain Instruction is desired for the account, if any. The Tax Management Services Terms and Conditions attached to the Morgan Stanley Smith Barney LLC Select UMA ADV brochure as Exhibit A will govern Tax Management Services in the account. Review the Morgan Stanley Smith Barney LLC Select UMA ADV brochure carefully with your tax advisor.
Industry acclaimed risk platform refers to Morgan Stanley Smith Barney LLC’s (“Morgan Stanley”) Portfolio Risk Platform. The assumptions used in the Report incorporate portfolio risk and scenario analysis employed by BlackRock Solutions (“BRS”), a financial technology and risk analytics provider that is independent of Morgan Stanley. BRS’ role is limited to providing risk analytics to Morgan Stanley, and BRS is not acting as a broker-dealer or investment adviser nor does it provide investment advice with respect to the Report. Morgan Stanley has validated and adopted the analytical conclusions of these risk models. The analysis provided is illustrative only. Morgan Stanley cannot predict a portfolio’s risk of loss due to, among other things, changing market conditions or other unanticipated circumstances. The analysis is based purely on assumptions made using available data and any of its forecasts are subject to change.
The footnotes below apply to the industry-leading claims referenced above. More information is available upon request.
Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
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
Morgan 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 visit us at www.morganstanley.com/wealth or consult with your Morgan Stanley Financial Advisor to read about those differences.
The sole purpose of this material is to inform, and it in no way is intended to be an offer or solicitation to purchase or sell any security, other investment service, or to attract any funds or deposits. Investments mentioned may not be appropriate for all clients. Before making any investment, each investor should carefully consider the risks associated with the investment, as discussed in the applicable offering memorandum and make a determination based on their own particular circumstances that the investment is consistent with their investment objectives and risk tolerance.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
1When 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.
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.
3Morgan 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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.
7Morgan 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
Please read the important disclosures below.
1) Morgan Stanley Wealth Management secured Money Management Institute/Barron’s Industry Awards for Wealth Manager Platform of the Year. The Wealth Manager Platform of the Year category recognizes a wealth manager platform that exemplifies innovation in delivering better outcomes for investors and Financial Advisors. This award has been secured in 2024, 2021, 2020, 2019 & 2018. The winners were selected by a specially appointed MMI Industry Awards Steering Council. The Steering Council consists of representatives from all segments of the MMI membership. After carefully reviewing the nominations submitted, the Steering Council determined a slate of finalists in each award category. The primary contacts at each of MMI’s 207 member firms were eligible to vote to determine the winners. Nominations were reviewed and evaluated to determine finalists June 2024 - July 2024. Finalists were voted on to determine a winner August 2024. MMI/Barron’s does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to MMI/Barron’s in exchange for its receipt of the award. Morgan Stanley is a member of MMI and pays a fee to MMI as part of its membership dues. Morgan Stanley’s receipt of this award is not indicative of any future performance. These awards were granted to Morgan Stanley based on the time period from October 2023 to June 2024. There were 6 firms considered for the Wealth Management Platform of the Year Award and 12 firms considered for the Distribution Excellence Award. The Money Management Institute (MMI) is the industry association representing financial services firms and Barron’s is a financial magazine; both groups are responsible for the award. Accolade qualifications for past years may vary; additional information available upon request.
2) Industry’s top tax-optimization technology refers to tax management capabilities developed by Eaton Vance and Parametric, affiliates of Morgan Stanley. Morgan Stanley is a leading provider of direct indexing strategies. According to Cerulli Associates’ Q1 2026 Managed Account Edition, Morgan Stanley ranked first among 15 firms in Direct Index SMA assets under management based on reported industry assets. The ranking reflects scale of assets and does not evaluate tax outcomes, performance, or quality of technology. Tax outcomes will vary and are not guaranteed.
3) The Celent Model Wealth Manager 2025 Awards for Data and Analytics and Essential and Emerging Technologies were granted to Morgan Stanley following an evaluation process conducted by Celent analysts. To be considered for this award, Morgan Stanley submitted Model Wealth Manager 2025 Nomination Award Worksheets to Celent on or about January 30, 2025. Celent judged each submission on three criteria: (1) Measurable business benefits of live initiatives; (2) degree of innovation relative to the industry; and (3) technology or implementation excellence. In order to win, the initiatives must demonstrate clear business benefits, innovation, and technology or implementation excellence. Celent does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to Celent in exchange for the award. Morgan Stanley is not affiliated with Celent. Based on their submission on January 30, 2025 for Celent’s 2025 Model Awards program, Celent granted Morgan Stanley their awards in June, 2025 and publicly shared the news in June, 2025. Celent is a global financial services research and advisory firm and is responsible for determining the recipient of this award.
4) Q4 2025 Securities Based Lending McLagan Survey – 6 Firm Report. Based on both Non-Purpose Lending and total SBL balances. Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss.
Not all products, tools, platforms, and services referenced are available to all clients. Please speak with your Financial Advisor for eligibility criteria.
Investing in securities involves risk, including possible loss of principal. Diversification does not guarantee a profit or protect against loss in a declining financial market.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.
Cash management and lending products and services are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures below.
Important Risk Information for Securities Based Lending: Clients must be aware that: (1) Sufficient collateral must be maintained to support the loan and to take future advances; (2) Clients may have to deposit additional cash or eligible securities on short notice; (3) Some or all of the pledged securities may be sold without prior notice in order to maintain account equity at required collateral maintenance levels. Clients will not be entitled to choose the securities that will be sold. These actions may interrupt long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as "Morgan Stanley") reserve the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase the collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason.
With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan.
Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
There is no guarantee that tax-loss harvesting will achieve any particular tax result. Clients may elect Tax Management Services for the account by notifying their Financial Advisor, and indicate what Maximum Tax or Realized Capital Gain Instruction is desired for the account, if any. The Tax Management Services Terms and Conditions attached to the Morgan Stanley Smith Barney LLC Select UMA ADV brochure as Exhibit A will govern Tax Management Services in the account. Review the Morgan Stanley Smith Barney LLC Select UMA ADV brochure carefully with your tax advisor.
Industry acclaimed risk platform refers to Morgan Stanley Smith Barney LLC’s (“Morgan Stanley”) Portfolio Risk Platform. The assumptions used in the Report incorporate portfolio risk and scenario analysis employed by BlackRock Solutions (“BRS”), a financial technology and risk analytics provider that is independent of Morgan Stanley. BRS’ role is limited to providing risk analytics to Morgan Stanley, and BRS is not acting as a broker-dealer or investment adviser nor does it provide investment advice with respect to the Report. Morgan Stanley has validated and adopted the analytical conclusions of these risk models. The analysis provided is illustrative only. Morgan Stanley cannot predict a portfolio’s risk of loss due to, among other things, changing market conditions or other unanticipated circumstances. The analysis is based purely on assumptions made using available data and any of its forecasts are subject to change.
The footnotes below apply to the industry-leading claims referenced above. More information is available upon request.
Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
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
Morgan 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 visit us at www.morganstanley.com/wealth or consult with your Morgan Stanley Financial Advisor to read about those differences.
The sole purpose of this material is to inform, and it in no way is intended to be an offer or solicitation to purchase or sell any security, other investment service, or to attract any funds or deposits. Investments mentioned may not be appropriate for all clients. Before making any investment, each investor should carefully consider the risks associated with the investment, as discussed in the applicable offering memorandum and make a determination based on their own particular circumstances that the investment is consistent with their investment objectives and risk tolerance.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 4665150 (8/2025), 4763067 (9/2025), 5378280 (5/2026)
