Managing Director, Wealth Management, Wealth Advisor, Investment Management Consultant, Lending Specialist
Phone:
(408) 947-3701(408) 947-3701
The Gambelin Team at Morgan Stanley
Direct:
(408) 947-3701(408) 947-3701
Our Mission Statement
Our mission is to be your trusted partner, providing personalized guidance to help you navigate complexity, grow and preserve your wealth, and create a lasting legacy that reflects what matters most to you.
Our Story and Services
Our mission is to work alongside you as your dedicated advisor, providing strategic planning and tailored investment guidance to help grow and preserve your wealth as you pursue your financial goals through every stage of life. We believe clients deserve more than investment products—they deserve thoughtful advice from a team that understands their priorities, the circumstances shaping their decisions, and the legacy they hope to create.
We work with high-net-worth multigenerational families, corporate executives, founders and business owners, and nonprofit organizations as they navigate important financial decisions, complex planning needs, and long-term stewardship responsibilities. By listening carefully and taking the time to understand what matters most, we help each client define their goals and evaluate their choices with preparation, discipline, and perspective.
Our approach combines coordinated wealth planning, disciplined investment oversight, and attentive service with access to the global resources of Morgan Stanley. Depending on each client's needs, this may include access to experienced investment professionals, a premier trading and execution platform, and a broad spectrum of investment solutions. When appropriate, we also work alongside clients' CPAs, attorneys, trustees, and other outside professionals to help keep planning, investment strategy, and implementation aligned.
We believe enduring relationships are built over time through integrity, trust, responsiveness, and a deep understanding of each client's priorities. As lives, markets, families, businesses, and organizations evolve, we help clients remain organized, informed, and prepared—providing personalized guidance designed to preserve and grow wealth and support the goals that matter most.
Our Process
• Discovery: We begin by developing a thorough understanding of you and your family, including your needs, goals, aspirations, concerns, risk tolerance, and other factors that may influence your financial plan.
• Formulating Your Strategy: Guided by your objectives, we develop a personalized strategy with recommendations intended to help you grow, preserve, and transfer your wealth.
• Implementing Your Plan: We clearly present the proposed strategy and, with your approval, put the plan into action using Morgan Stanley's resources and capabilities.
• Monitoring and Evaluation: We maintain an ongoing dialogue, monitor your plan and portfolio, and make adjustments when appropriate to help keep your strategy aligned with your evolving goals and circumstances.
Our Commitment
We welcome the opportunity to learn what matters most to you and to deliver the personalized approach, thoughtful guidance, and service excellence you deserve as you pursue your financial goals.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Guidance Designed Around Your Life, Wealth, and Future
We work with individuals and families whose financial lives often involve multiple priorities, opportunities, and important decisions. By taking the time to understand where you are today and what you hope to accomplish, we help bring greater clarity and coordination to your financial life.
Whether you are building wealth, navigating a career or business transition, supporting your family, or preparing for the years ahead, our goal is to help you make thoughtful financial decisions with confidence.
- How can we balance the needs of our family today with what we hope to leave for future generations?
- How can our investments, estate planning considerations, philanthropy, and other financial priorities work together?
- How can we help prepare the next generation for the opportunities and responsibilities that may accompany family wealth?
- How should my equity compensation fit into my overall financial strategy?
- What should I consider if a significant portion of my wealth is tied to my company?
- How could a career change or retirement affect my investments, income, benefits, and longer-term goals?
- What financial planning should I consider before selling, transitioning, or stepping away from my business?
- How should I think about my business wealth alongside my personal investments, liquidity needs, and family goals?
- How can my financial, tax, and legal professionals work together around a major business transition?
- Am I making the right decisions today to support the future I envision?
- How can I prepare for retirement while balancing my other financial priorities?
- How should my investment strategy evolve as my goals, needs, and circumstances change?
High-Net-Worth Multigenerational Families
As wealth grows and passes from one generation to the next, financial decisions can become increasingly interconnected. We work with families to help bring perspective to their investments, estate planning considerations, charitable goals, liquidity needs, and family priorities while keeping both today's needs and tomorrow's legacy in view.
Questions you may be considering
Corporate Executives
For corporate executives, personal finances and professional success are often closely connected. We help executives consider equity compensation, concentrated stock positions, benefits, liquidity needs, career changes, and retirement decisions as part of a broader wealth management strategy.
Questions you may be considering
Founders and Business Owners
Building a successful business can mean having a significant portion of your time, energy, and wealth tied to a single enterprise. We work with founders and business owners as they consider the financial implications of growth, succession, a potential sale, or another major transition, while helping them think about what comes next for themselves and their families.
Questions you may be considering
Individuals Planning for the Future
You do not need to be approaching a major transaction or life event to benefit from thoughtful financial planning. We work with individuals who want to take a more deliberate approach to building wealth, preparing for retirement, and planning for the milestones that matter most to them.
Together, we can look at how today's financial decisions connect with tomorrow's possibilities and help create a strategy that can evolve as your life and priorities change.
Questions you may be considering
Comprehensive Guidance for Your Financial Life
Your financial goals rarely exist in isolation. Investment decisions can affect retirement plans, family priorities, business interests, estate planning considerations, and the opportunities you want to pursue in the future.
Our team takes a comprehensive approach to wealth management, helping you see how the different pieces of your financial life fit together. We draw on the capabilities and resources of Morgan Stanley to help you develop a strategy that reflects your needs today while remaining focused on where you want to go.
- Financial and goal-based planning
- Cash flow and liquidity needs
- Major purchases and life events
- Education planning
- Retirement planning
- Estate planning considerations
- Asset allocation
- Portfolio construction
- Traditional investments
- Alternative investments
- Concentrated positions
- Ongoing portfolio review
- Retirement income strategies
- 401(k)s and workplace retirement plans
- IRA strategies
- Social Security considerations
- Investment positioning before and during retirement
- Legacy and family priorities
- Stock options
- Restricted stock and equity awards
- Concentrated stock positions
- Diversification considerations
- Executive benefits
- Career transitions and retirement
- Business succession
- Liquidity events
- Business sale considerations
- Personal wealth planning alongside business wealth
- Retirement planning
- Coordination with tax and legal professionals
- Estate planning considerations
- Intergenerational wealth planning
- Education funding
- Trust services
- Philanthropic goals
- Family financial education
Wealth Planning
A thoughtful financial plan can provide a framework for both everyday decisions and significant life events. We work with you to understand your assets, liabilities, income needs, priorities, and long-term goals, then help you develop a strategy designed to evolve alongside your life.
Areas we can help you consider
Investment Management
Your portfolio should reflect more than market conditions. It should reflect you. We help develop investment strategies based on your goals, time horizon, liquidity needs, and comfort with risk while providing ongoing guidance as markets and your circumstances change.
Areas we can help you consider
Retirement Planning
Retirement can mark one of the most significant transitions in your financial life. Whether retirement is years away or quickly approaching, we help you consider how your savings, investments, income needs, benefits, and lifestyle goals can work together to support your plans.
Areas we can help you consider
Executive & Equity Compensation
For corporate executives, compensation can introduce opportunities as well as complexity. We help you evaluate company stock, equity awards, benefits, and other compensation within the context of your broader financial strategy.
Areas we can help you consider
Business & Succession Planning
For founders and business owners, personal wealth and business wealth are often closely connected. We help you consider how decisions involving your company may affect your broader financial picture, particularly as you prepare for a sale, succession, liquidity event, or other transition.
Areas we can help you consider
Family & Legacy Planning
Building wealth is only one part of the conversation. For many families, an equally important question is how that wealth can support the people and causes they care about. We help families consider the financial implications of transferring wealth, charitable giving, education, and other long-term priorities.
Areas we can help you consider
Helping Achieve Your Definition Of Success
Effective wealth management is both an art and a discipline: the integration of every facet of a family's financial life into a single, coherent framework. Each element is viewed not in isolation, but as part of a broader whole that connects present needs with future intentions.
A thorough review extends well beyond investments and retirement plans. Tax considerations, estate strategies, insurance protection, equity compensation, business succession, and daily cash flow are all evaluated within the context of long-term vision and family continuity.
By understanding how these dimensions interact, guidance becomes balanced, precise, and enduring, aligning structure with the values that give it meaning.
A suite of proprietary platforms enhances our ability to provide clarity, precision, and continuity. Each tool reflects Morgan Stanley's global insight combined with the Gambelin Team's commitment to understanding your unique goals and helping you plan for the future.
LifeView Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a holistic strategy that integrates the various aspects of an individual's financial life, including investments and cash management needs.
Goals Planning System
Goals Planning System (GPS) is Morgan Stanley's own integrated planning tool. Built on the Firm's intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is "On Track" to achieving their financial goals.
CashPlus: A Modern Alternative to Banking
With a CashPlus brokerage account, you can manage your cash and get more value, more protection, and a seamless digital experience. Contact us to discuss or click here.
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio's exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Digital Tools & Resources
Please find below links to some Morgan Stanley digital tools and resources you may find useful as you familiarize yourself with the Morgan Stanley Wealth Management platforms. If you have any questions, feel free to reach out to us.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
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.
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.
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Online Security Center
Safeguarding your assets and personal information is paramount to us. Learn more about our extensive security measures and take advantage of our numerous resources and ideas that are geared towards helping you stay protected on the World Wide Web.
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.
Executive Financial Services
We understand the regulatory challenges you face as an executive and a key insider when trying to access the assets within your corporate equity compensation plan. We partner with the experienced professionals on our Executive Financial Services (EFS) team to deliver specialized guidance and tailored solutions to help you meet your unique needs.
Liquidity Access Line
Liquidity Access Line (LAL) is a securities based loan that offers a range of borrowing options while pledging eligible securities from the client's brokerage account at Morgan Stanley Smith Barney LLC as collateral.
Location
225 W Santa Clara St
Suite 900
San Jose, CA 95113
US
Direct:
(408) 947-3701(408) 947-3701
Meet The Gambelin Team
Connor Gambelin
Financial Advisor, Financial Planning Specialist
Phone:
(408) 947-3754(408) 947-3754
Jasmine Loh
Assistant Vice President, Business Development Director, Financial Planning Specialist¹
Phone:
(408) 947-3742(408) 947-3742
Ashley McCrary
Portfolio Associate
Phone:
(408) 947-3762(408) 947-3762
About David Gambelin
Prior to his start at Morgan Stanley, David was a high school educator. While working as a history/business teacher, David’s passion was to work in the financial industry. The career change was a smooth transition. He went from helping high school students with learning life lessons to helping adults learn and plan for their financial goals and future.
Over twenty years as a Wealth Advisor at Morgan Stanley, David works with clients to develop a comprehensive wealth strategy along with devising an approach to meet their unique lifestyle and goals. David is an Alumni of UC Santa Barbara and Wharton School of Business.
A Bay Area native, David resides in Willow Glen with his family. He is an avid sports fan, loves skiing and enjoys traveling.
Professional Details – Series 7, 66, 31
Wharton School of Business & University of California, Santa Barbara
Over twenty years as a Wealth Advisor at Morgan Stanley, David works with clients to develop a comprehensive wealth strategy along with devising an approach to meet their unique lifestyle and goals. David is an Alumni of UC Santa Barbara and Wharton School of Business.
A Bay Area native, David resides in Willow Glen with his family. He is an avid sports fan, loves skiing and enjoys traveling.
Professional Details – Series 7, 66, 31
Wharton School of Business & University of California, Santa Barbara
Securities Agent: ME, WI, NM, NJ, IL, HI, MA, VA, ID, UT, TX, OK, NV, OR, GA, CA, OH, MO, CO, WA, DC, AZ, AR, MD, WY, FL, KY, PA, NY, TN, NC, MI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1290709
CA Insurance License #: 0D90176
NMLS#: 1290709
CA Insurance License #: 0D90176
About Connor Gambelin
Connor graduated Cum Laude from Tulane University with a bachelor’s degree in Finance. During his time at Tulane, Connor was a member of the invitation-only Darwin Fenner Student Managed Fund and Burkenroad Reports, gaining experience in portfolio management and equity research respectively. He was also a defenseman all four years on the school's lacrosse team.
In his current role as a Financial Advisor and dedicated Financial Planning Specialist, Connor is responsible for assisting in investment management as well as developing comprehensive financial plans tailored to meet the unique needs of each client. Since joining the team, Connor has been instrumental in guiding clients through complex financial landscapes ensuring they achieve their long-term financial goals.
Connor is an avid Bay Area sports fan and in his spare time enjoys long-distance running, road cycling, skiing, and surfing.
Professional Details - Series 7, 66
Bachelors of Science in Management, Tulane University
NMLS ID #2779815
In his current role as a Financial Advisor and dedicated Financial Planning Specialist, Connor is responsible for assisting in investment management as well as developing comprehensive financial plans tailored to meet the unique needs of each client. Since joining the team, Connor has been instrumental in guiding clients through complex financial landscapes ensuring they achieve their long-term financial goals.
Connor is an avid Bay Area sports fan and in his spare time enjoys long-distance running, road cycling, skiing, and surfing.
Professional Details - Series 7, 66
Bachelors of Science in Management, Tulane University
NMLS ID #2779815
Securities Agent: AR, UT, OK, CT, OR, ME, KY, DC, WI, WA, HI, CO, OH, NM, NJ, GA, VA, TN, MO, MI, IL, PA, WY, TX, NV, FL, NY, NC, MD, MA, ID, CA, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 2779815
CA Insurance License #: 4510528
NMLS#: 2779815
CA Insurance License #: 4510528
About Jasmine Loh
Jasmine started her work experience at Cisco Systems and Prudential Financial after earning her B.S. in Managerial Economics from UC Davis in 2001. She began her career at Morgan Stanley in 2004 where she obtained her securities licenses while working in Branch Operations and as an assistant to the Branch Manager. In 2006, she joined David as a Registered Client Service Associate. In her current role as Business Development Director, Jasmine is responsible for managing the team’s overall business and client service as well as overseeing the team’s operational, marketing and strategic planning. She collaborates closely with her team to ensure that all clients receive an elevated service experience. As a Financial Planning Specialist, she works with David and Connor on creating financial plans for their valued clients.
Jasmine resides in San Jose with her husband and two sons. She is active in her sons’ sports and activities. In her spare time, she enjoys traveling, camping and connecting with family and friends.
Professional Details - Series 7, 63, 66, 31
Bachelors of Science Managerial Economics, University of California, Davis
¹ Disclaimer: This role cannot solicit or provide investment advice.
Jasmine resides in San Jose with her husband and two sons. She is active in her sons’ sports and activities. In her spare time, she enjoys traveling, camping and connecting with family and friends.
Professional Details - Series 7, 63, 66, 31
Bachelors of Science Managerial Economics, University of California, Davis
¹ Disclaimer: This role cannot solicit or provide investment advice.
CA Insurance License #: 0G16921
About Ashley McCrary
Ashley began her career in the financial service industry in 2008 at Scottrade. In 2013, she began working with Morgan Stanley in San Jose. As a Portfolio Associate, her primary responsibilities include opening and maintaining client accounts, asset transfers, assisting clients with using the various online tools and other administrative duties. She currently holds a CA Insurance License and Series 7 and 66 designations.
Ashley was born and raised in San Jose where she still currently resides with her husband and son. In her spare time, she enjoys spending time and traveling with her friends and family.
Professional Details - Series 7, 66
Ashley was born and raised in San Jose where she still currently resides with her husband and son. In her spare time, she enjoys spending time and traveling with her friends and family.
Professional Details - Series 7, 66
CA Insurance License #: 0L90868
Contact David Gambelin
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Contact Connor Gambelin
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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
Lina Li
Private Banker
About Lina Li
Lina Li is a Private Banker serving Morgan Stanley Wealth Management offices in California.
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.
Lina began her career in financial services in 2005 and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm, she was a Banking Advisor at Merrill Lynch. She also served as a Preferred Banking Office Manager at the First Republic Bank and a Banking Center Manager at Bank of America.
Lina is a graduate of the San Jose State University, where she received a Bachelor of Science in Business Administration with a Concentration in Accounting. She lives in San Jose, California with her family. Outside of the office, she enjoys reading, travelling, and spending time with family and friends. Lina dedicates her time to SCRITCH Kittens as Secretary, Adoption Counselor, and foster.
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.
Lina began her career in financial services in 2005 and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm, she was a Banking Advisor at Merrill Lynch. She also served as a Preferred Banking Office Manager at the First Republic Bank and a Banking Center Manager at Bank of America.
Lina is a graduate of the San Jose State University, where she received a Bachelor of Science in Business Administration with a Concentration in Accounting. She lives in San Jose, California with her family. Outside of the office, she enjoys reading, travelling, and spending time with family and friends. Lina dedicates her time to SCRITCH Kittens as Secretary, Adoption Counselor, and foster.
NMLS#: 1376901
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
Iran Conflict: Seven Takeaways for Investors
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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 Gambelin Team today.
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
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), 4763067 (9/2025)
