Phone:
(212) 230-3552(212) 230-3552
The Gramercy National Group at Morgan Stanley
Direct:
(212) 603-6216(212) 603-6216
Our Mission Statement
Our goal is for you and future generations to maintain and enjoy the wealth you have worked so hard to achieve.
Our Story
The Gramercy National Group at Morgan Stanley offers a comprehensive wealth management advisory practice, working with successful and globally minded individuals and families through periods of prosperity and times of uncertainty who are seeking personalized, unbiased and effective financial advice and who consider their wealth for impact and purpose.
Our process is simple, sensible and straightforward. Through our thoughtful and comprehensive consultations, a customized investment strategy is proposed, mutually agreed upon, and implemented under the careful steward of our team of professionals. Particular sensitivity is given to global investment opportunities, juxtaposed with appropriate risk and reward levels and tax implications. Emphasis is placed on investment transparency so clients can gauge what they own, the risks undertaken, and the progress achieved.
Circumstances and resources are unique; our clients entrust us to assist in optimizing their finances, as we manage wealth with high regard and respect for the manner it was earned. By providing progressive financial planning strategies, tactical portfolio management and steadfast personal communication we allow you to focus on your life’s priorities with confidence, knowing that our team is working on your behalf with your best interests in mind.
Our process is simple, sensible and straightforward. Through our thoughtful and comprehensive consultations, a customized investment strategy is proposed, mutually agreed upon, and implemented under the careful steward of our team of professionals. Particular sensitivity is given to global investment opportunities, juxtaposed with appropriate risk and reward levels and tax implications. Emphasis is placed on investment transparency so clients can gauge what they own, the risks undertaken, and the progress achieved.
Circumstances and resources are unique; our clients entrust us to assist in optimizing their finances, as we manage wealth with high regard and respect for the manner it was earned. By providing progressive financial planning strategies, tactical portfolio management and steadfast personal communication we allow you to focus on your life’s priorities with confidence, knowing that our team is working on your behalf with your best interests in mind.
Services Include
- Wealth Consulting
- 401(k) Rollovers
- Alternative InvestmentsFootnote1
- Art AdvisoryFootnote2
- Asset Management
- Business PlanningFootnote3
- Cash ManagementFootnote4
- Certificates of DepositFootnote5
- Corporate BondsFootnote6
- Endowments and FoundationsFootnote7
- Estate Planning StrategiesFootnote8
- Executive Financial ServicesFootnote9
- Financial PlanningFootnote10
- Lending Products
- Life InsuranceFootnote11
- Long Term Care InsuranceFootnote12
- Philanthropic Services
- Planning for Education FundingFootnote13
- Planning for Individuals with Special Needs
- Sustainable InvestingFootnote14
- SyndicateFootnote15
- Trust Services*
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Planning Process
You work hard to build wealth in pursuit of a meaningful life for you and your family. As your team of seasoned Financial Advisors, we will work just as hard on your behalf, committing our experience, knowledge and skills to helping you achieve your specific goals. What’s more, we will support you and your strategy by accessing the resources and insight of one of the world’s largest financial firms. Our six-step process lays out a clear path to your goals — one you can easily follow knowing you are making informed, confident decisions.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing a suitable risk tolerance that will ultimately help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining all relevant financial information provides a holistic asset allocation analysis for all of your accounts ensuring a comprehensive financial plan.
Step 4: Action Items & Next Steps
After the financial plan presentation, we will follow up with you regarding our analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving and benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, we will be consistently monitoring your assets and analyzing your performance data to ensure your financial plans are on track and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
Morgan Stanley Financial Wellness Program
The Morgan Stanley Financial Wellness Program empowers your employees at every stage of their career to achieve their financial goals through a strong foundation of education, advice and wealth management solutions designed to make addressing finances a source of wellness, not a source of stress.
Our comprehensive solutions help your employees better understand and maximize your company-sponsored benefits, provides thoughtful guidance and insights about your workforce, and offers tailored advice to meet your employees’ specific financial goals. By improving your employees’ financial wellness, your company can therefore benefit from a more loyal and productive workforce. 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.
Our comprehensive solutions help your employees better understand and maximize your company-sponsored benefits, provides thoughtful guidance and insights about your workforce, and offers tailored advice to meet your employees’ specific financial goals. By improving your employees’ financial wellness, your company can therefore benefit from a more loyal and productive workforce. 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.
Strategies and Guidance for High Net Worth Clients
The Gramercy National Group excels at providing financial strategies and guidance for high net worth individuals and families with complex financial situations. Our team has the experience and resources to create customized, comprehensive plans across numerous tax and estate structures.
As a holder of the Certified Private Wealth Advisor® (CPWA®) designation, Keith Petrus identifies and analyzes the unique challenges high net worth individuals face. He is uniquely positioned to develop specific financial strategies geared toward preserving assets, maximizing growth, and transferring wealth.
As a holder of the Certified Private Wealth Advisor® (CPWA®) designation, Keith Petrus identifies and analyzes the unique challenges high net worth individuals face. He is uniquely positioned to develop specific financial strategies geared toward preserving assets, maximizing growth, and transferring wealth.
Types of Clients We Work With:
- Multigenerational Families
- Executives & Professionals
- Entrepreneurs & Business Owners
- Professional Athletes & Entertainers
- Individuals Inheriting a Significant Financial Legacy
Services We Provide:
- Tax Optimization
- Trust and Estate Planning
- Custom Portfolio Management
- Structured Products
- Risk Management
- Tailored Lending and Cash Management
- Alternative Investments
Upcoming Firm Events
The Lessons in Leadership Virtual Event Series will continue throughout 2025.
Check back soon for details on upcoming events.
Location
55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 603-6216(212) 603-6216
Meet The Gramercy National Group
Phone:
(212) 603-6216(212) 603-6216
Myriam Limage
Wealth Management Associate, Financial Planning Associate
Phone:
(212) 603-6176(212) 603-6176
About Wing Chin
For over 40 years in the business Wing has helped clients reach their financial goals. Wing has consistently delivered a highly personalized approach to wealth management.
Wing began his career in 1976 with Merrill Lynch, Pierce, Fenner & Smith. Wing joined Shearson in 1983. Through a number of mergers and acquisitions the firm today is Morgan Stanley Wealth Management.
Wing is a Chartered Retirement Planning Counselor?. The CRPC® designation is the industry-benchmark for retirement planning credentials.
Wing focuses on asset allocation, wealth preservation, and transfer strategies for families, endowments and foundations. His goals-based wealth management philosophy focuses on two essential pillars: lifestyle and cash flow. By guiding his clients down a customized financial roadmap, he strives to eliminate financial blind spots and reduce the risk of clients outliving their income.
In his spare time, Wing enjoys playing tennis, golf, and guitar. Wing resides in New Canaan, CT, with his wife, Pam, and their two children.
Wing began his career in 1976 with Merrill Lynch, Pierce, Fenner & Smith. Wing joined Shearson in 1983. Through a number of mergers and acquisitions the firm today is Morgan Stanley Wealth Management.
Wing is a Chartered Retirement Planning Counselor?. The CRPC® designation is the industry-benchmark for retirement planning credentials.
Wing focuses on asset allocation, wealth preservation, and transfer strategies for families, endowments and foundations. His goals-based wealth management philosophy focuses on two essential pillars: lifestyle and cash flow. By guiding his clients down a customized financial roadmap, he strives to eliminate financial blind spots and reduce the risk of clients outliving their income.
In his spare time, Wing enjoys playing tennis, golf, and guitar. Wing resides in New Canaan, CT, with his wife, Pam, and their two children.
Securities Agent: PA, NV, CT, ME, NH, OK, CA, VT, TX, NY, MO, KY, IL, DE, SC, MI, MD, IN, FL, VA, CO, HI, WI, GA, NJ, NC, MA, DC; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1446189
NMLS#: 1446189
About Keith Petrus
Keith’s holistic wealth management approach focuses on understanding client’s financial, professional and personal goals, so he may provide tailored guidance and sound advice. His clients include uniquely successful individuals, multi-generational families and nonprofits, with a special emphasis on business owners.
Prior to joining Morgan Stanley in 2014, Keith worked at UBS Private Wealth Management, and Dominick & Dominick LLC, a boutique wealth management firm focusing on financial planning for families trying to achieve financial independence.
Through the Investments and Wealth Institute, Keith successfully completed the Certified Private Wealth Advisor (CPWA®) program at the University of Chicago Booth.
Keith is the President of the Board of Statement Arts, a non-for-profit organization dedicated to bringing the creative and visual and performing arts to underserved and low income individuals in the New York Metro area. Keith and Statement Arts are proud of their 100% college placement success rate. Keith and his wife spend weekends at their home in Litchfield, CT. Keith enjoys playing golf, travelling, and fly fishing.
Education & Credentials:
- Certified Investment Management Analyst (CIMA®) - Yale University, 2021
- Certified Private Wealth Advisor (CPWA®) - University of Chicago Booth, 2019
- B.A. Business Administration - Roanoke College
Prior to joining Morgan Stanley in 2014, Keith worked at UBS Private Wealth Management, and Dominick & Dominick LLC, a boutique wealth management firm focusing on financial planning for families trying to achieve financial independence.
Through the Investments and Wealth Institute, Keith successfully completed the Certified Private Wealth Advisor (CPWA®) program at the University of Chicago Booth.
Keith is the President of the Board of Statement Arts, a non-for-profit organization dedicated to bringing the creative and visual and performing arts to underserved and low income individuals in the New York Metro area. Keith and Statement Arts are proud of their 100% college placement success rate. Keith and his wife spend weekends at their home in Litchfield, CT. Keith enjoys playing golf, travelling, and fly fishing.
Education & Credentials:
- Certified Investment Management Analyst (CIMA®) - Yale University, 2021
- Certified Private Wealth Advisor (CPWA®) - University of Chicago Booth, 2019
- B.A. Business Administration - Roanoke College
Securities Agent: IN, ID, VT, FL, CO, IL, SC, OK, NJ, HI, TX, NC, KY, CT, MI, NV, CA, WI, VA, DE, NH, MO, MD, GA, DC, WA, NY, ME, PA, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 1581085
NMLS#: 1581085
About Myriam Limage
Myriam serves as the Client Service Associate for The Gramercy National Group at Morgan Stanley. Drawing on more than 30 years of professional experience, Myriam leads all aspects of the team's business management and client servicing activities and plays an integral role on the group's leadership team.
Myriam is often the first point of contact in coordinating client meetings and post-meeting follow-up, and is instrumental in spearheading efforts to support our clients' world-changing philanthropic initiatives. Myriam is qualified to facilitate complex operational tasks and handle all client related service requests. She serves as the primary administrator of clients' cash management needs, account paperwork filings and transfers, and all related retirement fund rollovers and distributions. Remaining consistent with The Gramercy National Group's goals, Myriam implements a high level of client service and recognizes the importance of personalized attention.
Myriam is often the first point of contact in coordinating client meetings and post-meeting follow-up, and is instrumental in spearheading efforts to support our clients' world-changing philanthropic initiatives. Myriam is qualified to facilitate complex operational tasks and handle all client related service requests. She serves as the primary administrator of clients' cash management needs, account paperwork filings and transfers, and all related retirement fund rollovers and distributions. Remaining consistent with The Gramercy National Group's goals, Myriam implements a high level of client service and recognizes the importance of personalized attention.
Contact Wing Chin
Contact Keith Petrus
Wealth Management
From Our Team
Managing the Family Enterprise
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
Article Image
Ready to start a conversation? Contact The Gramercy National Group today.
1Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
2Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley does not assist with buying or selling art in any way and merely provides information to clients interested learning more about the different types of art markets at a high level. Any client interested in buying or selling art should consult with their own independent art advisor.
3Morgan 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.
4Morgan 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
5Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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.
8Morgan 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.
9Morgan 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.
10Morgan 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
14Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
15Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
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
2Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley does not assist with buying or selling art in any way and merely provides information to clients interested learning more about the different types of art markets at a high level. Any client interested in buying or selling art should consult with their own independent art advisor.
3Morgan 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.
4Morgan 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
5Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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.
8Morgan 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.
9Morgan 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.
10Morgan 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
14Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
15Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
