Stephanie Gamber
First Vice President, Wealth Management, Financial Advisor
Phone:
(610) 408-1928(610) 408-1928
The Green Team at Morgan Stanley
Direct:
(610) 408-1928(610) 408-1928
Toll-Free:
(800) 345-3050(800) 345-3050
Our Mission Statement
Empowering organizations and individuals to invest with purpose by aligning their finances with their personal passions and overall mission.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Managing Your Wealth, Making a Difference
We believe true wealth is not only about money; it’s also about your life and the people you care about most. Whether you’re a busy parent balancing family and career, newly married or divorced, or managing the care of an adult parent or special needs child, there are relationships, interests and passions that bring you joy. These vital elements of your life need to be at the heart of your wealth management plan.
With a combined experience of over 60 years, we have been helping financially successful individuals and their families achieve their personal and professional goals through the development of long-term relationships and by continually aligning their goals and values with a custom-tailored financial plan. Over the course of our careers, we have learned that every client’s circumstances and resources are unique and require a personalized approach.
With an emphasis on education and a commitment to outstanding service, we are dedicated to helping you understand your total financial picture. Our goal is simple: To provide objective, high quality financial advice to empower you with a level confidence, so you can spend less time worrying about your finances and more time doing those things that matter most to you and your loved ones. In essence, we help you change your life for the better.
Getting started is easy. It begins with a conversation. We look forward to speaking with you soon.
With a combined experience of over 60 years, we have been helping financially successful individuals and their families achieve their personal and professional goals through the development of long-term relationships and by continually aligning their goals and values with a custom-tailored financial plan. Over the course of our careers, we have learned that every client’s circumstances and resources are unique and require a personalized approach.
With an emphasis on education and a commitment to outstanding service, we are dedicated to helping you understand your total financial picture. Our goal is simple: To provide objective, high quality financial advice to empower you with a level confidence, so you can spend less time worrying about your finances and more time doing those things that matter most to you and your loved ones. In essence, we help you change your life for the better.
Getting started is easy. It begins with a conversation. We look forward to speaking with you soon.
Services Include
- Sustainable InvestingFootnote1
- Wealth ManagementFootnote2
- Endowments and FoundationsFootnote3
- Philanthropic Services
- Estate Planning StrategiesFootnote4
- Trust ServicesFootnote5
- Life InsuranceFootnote6
- Planning for Individuals with Special Needs
- Long Term Care InsuranceFootnote7
- Financial PlanningFootnote8
- Professional Portfolio ManagementFootnote9
- Wealth Consulting
- Retirement PlanningFootnote10
- 401(k) Rollovers
- Business PlanningFootnote11
- LGBT+ Planning ServicesFootnote12
- Municipal BondsFootnote13
- Planning for Education FundingFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Setting a Foundation
The Green Team sets out to properly educate each of their clients in wealth planning. Effective communication and understanding is key to any strategy. On this page you will find a multitude of family wealth planning resources that not only start the conversation but provide tangible items to reference. Please take a moment to review the documents on this page from Morgan Stanley and contact us for any questions or concerns.
Family Governance Fact Sheet
This document provides an overview of Family Governance and how to address the complexities of transferring wealth to the next generation, advising on specific strategies, and preserving family legacy.
Learn MoreFamily Foundation Toolkit
This toolkit provides an overview of best practices for forming a family foundation including information on creating a mission statement, roles and responsibilities, and legacy and succession planning.
Learn MoreFamily Constitution and Family Bylaws
Family governance documents, such as Family Constitutions and Family Bylaws, can be important parts of the family governance system. Learn more about how these documents can help lay a solid foundation towards family wealth planning.
Learn MoreSample Family Mission Statement
This sample of a family mission statement is intended to be educational in nature and is for illustrative purposes only. Please review this example to start a conversation with proper council.
Learn More10 Rules for Talking to Kids About Money
Many affluent parents dread talking with their kids about money. “Once we talk about money,” they say, “it will be like opening Pandora’s box. Nothing but evil will issue forth. "This resource is here to help you navigate this conversation in a positive and constructive direction.
Learn MoreWealth Education Development Plan
There is subject matter that family members must understand if they are to manage generational wealth and become effective stewards. Please review this educational resource to create a deeper understanding of family wealth planning.
Learn MoreOur Approach
We come to work every day devoted to earning your trust and making a real difference in your life. To that end, we are focused on the following steps that underscore our commitment to an exceptional client experience:
Our First Conversation
Knowing our client and their family situation is imperative to financial planning. Our clients are guided thoughtfully through the process to determine the level of risk and long term goals unique to their situation.
Askng the Right QuestionsSetting Your Goals
In this step, we will request specific financial information and statements to help us better understand your current financial picture in detail. Acquiring the bigger picture enables our relationship to foster a mutual understanding of the future you want and the options we can provide.
Getting Back on TrackDiscussing your Journey
After our initial meeting, we will begin to develop a tailored wealth management strategy that is centered around your concerns and needs. By intently listening to your story, we will be able to fully understand the bigger picture and start taking the steps towards the future you want to see.
Planning Your Financial FutureConstructing your Unique Plan
Through a fully customized approach, we will assist you in determining the appropriate asset allocation and investment strategy that can help reach your goals. We consider your current situation, long-term goals, legal and regulatory constraints, liquidity needs, expected tax status, risk and other variables towards the construction of your portfolio.
Family ResourcesMonitoring
We understand that plans change. It is imperative to make sure that we are in constant communication with our clients, because the aspects of our client's plans will need to be adjusted. We will be reaching out periodically to set up times to discuss changes and check in on any personal changes. Through this step by step approach, we hope to deliver the experience, teamwork, and personal care that it takes to guide you on a clear path towards a healthier and fulfilling financial future.
What is Your Retirement LifestyleClient Resources
Our goal is to leverage cutting-edge technology and deliver customized wealth management strategies to our clients and their families to help enable them to achieve their goals. Morgan Stanley and our team strive to ensure our clients are served on market-leading technology platforms that are resilient, safe, efficient, smart, fast, and flexible. Please explore the resources below to get a bigger picture of what the firm provides.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
Reserved Offers
Exclusive offers to keep Reserved Clients and their families safe and engaged. Offers span across such categories as Dining, Health & Wellness, Travel, Entertainment, and more.
Learn More
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Morgan Stanley Alternative Investments
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll Today
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn More
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
Morgan Stanley Portfolio InsightsClients
Our clients are much more than a portfolio of assets – they are people with active lives, who seek a team of advisors who will provide thorough and objective guidance on a full range of financial topics. When you work with us, you will be treated with respect, care and an unwavering commitment to you and your family.
While each client has a unique personal and professional situation, collectively they all have one thing in common: they are focused on achieving very specific financial goals, so they may secure their family’s financial future and pursue their personal passions.
While each client has a unique personal and professional situation, collectively they all have one thing in common: they are focused on achieving very specific financial goals, so they may secure their family’s financial future and pursue their personal passions.
We strive to build deep and enduring relationships with our clients and have found we work best with individuals and families who favor:
- A multi-generational view of family
- A 360 degree view of your finances
- A long-range focus on achieving your goals, not beating benchmarks
- A conservative approach to investing
- Open conversations about wealth planning and investment expectations
Our clients include:
- Multi-generational families
- Corporate executives and business leaders
- Women seeking guidance for themselves and their family
- Retirees and individuals planning for retirement
- Families planning for special needs individuals
- Children and parents of current clients
- Businesses and organizations focused on sustainability
Location
899 Cassatt Rd
Ste 100
Berwyn, PA 19312
US
Direct:
(610) 408-1928(610) 408-1928
Toll-Free:
(800) 345-3050(800) 345-3050
Fax:
(610) 408-1908(610) 408-1908
Meet The Green Team
Phone:
(610) 408-1916(610) 408-1916
Susan Mohacey
Senior Registered Associate
Phone:
(610) 408-1995(610) 408-1995
About Stephanie Gamber
Stephanie began her career in 1987 as a manager at the New York Stock Exchange. In 1992, she moved to Japan, becoming certified by the government in the Japanese language. Upon returning home, she spent the next decade in a number of senior analyst and portfolio management roles for such companies as Dreyfus and Provident Capital Management. Following 9/11, she shifted her practice to build more personal relationships with individuals and families, sharing her wealth of institutional knowledge and experience to make a real difference in their lives. What sets Stephanie apart is her commitment to "impact investing," where she aligns her clients’ finances with their overall mission, using appropriate strategies to help them achieve their specific goals. A strong believer in giving back, Stephanie is active in many organizations. She is a founding member of the Walnut Club of Philadelphia and has been on the board of Morgan Stanley’s Women’s Advisory Council for the Greater Philadelphia Complex since 2015. Stephanie also served as a Judge for The Kellogg-Morgan Stanley Sustainable Investing Challenge in 2018.
Securities Agent: CT, OH, NY, DE, CO, MO, NJ, ME, MA, GA, SC, NH, WA, VA, TX, OR, NV, PA, NC, MD, VT, FL, CA, TN, RI; General Securities Representative; Investment Advisor Representative
NMLS#: 534114
NMLS#: 534114
About Joel H Frankel
Joel brings 47 years of professional
experience to the team. For 20 years, he
ran a successful family retail business
in Philadelphia. Joel went on to a 21
year career on Wall Street and has been
a Senior Vice President and Financial
Advisor at Morgan Stanley since 2011.
Joel is certified in Portfolio Management
and licensed in annuities, life insurance,
disability and long term care insurances.
He specializes in working with small
business owners and family wealth
management. Joel lives in Havertown, PA
with his wife of 36 years, Silvana.
experience to the team. For 20 years, he
ran a successful family retail business
in Philadelphia. Joel went on to a 21
year career on Wall Street and has been
a Senior Vice President and Financial
Advisor at Morgan Stanley since 2011.
Joel is certified in Portfolio Management
and licensed in annuities, life insurance,
disability and long term care insurances.
He specializes in working with small
business owners and family wealth
management. Joel lives in Havertown, PA
with his wife of 36 years, Silvana.
Securities Agent: PA, NC, GA, CT, SC, VT, ME, CO, TX, RI, OR, MA, FL, DE, NH, TN, NV, OH, WA, NY, MD, VA, NJ, MI, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1295568
CA Insurance License #: OD40171
NMLS#: 1295568
CA Insurance License #: OD40171
About Susan Mohacey
Susan has been in the financial services industry for 17 years. She joined Morgan Stanley in 2017 and holds the Series 7 and 66 licenses. Prior to working in the financial industry, Susan was the owner of a successful transcription company for 15 years. Susan holds a Bachelor of Science in Marketing from Philadelphia University. She lives in Chalfont, PA with her husband, Paul, and their children, Matthew and Hannah.
Contact Stephanie Gamber
Contact Joel H Frankel
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
Fabienne Sarnecki
Private Banker
Paul Murphy, CFP®
Financial Planning Director, Vice President
About Fabienne Sarnecki
Fabienne Sarnecki is a Private Banker serving Morgan Stanley Wealth Management offices in Pennsylvania.
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.
Fabienne began her career in financial services in 2009, and joined Morgan Stanley in 2016 as a Regional Analyst. Prior to joining the firm, she was an Internal Wholesaler at Lincoln Financial Group as well as an Account Manager & Marketing Coordinator at Navidor Merchant Services.
Fabienne is a graduate of New York University where she received a Bachelor of Arts in Economics. She lives in Wayne, Pennsylvania with her family. Outside of the office, Fabienne enjoys running, hiking, exploring new types of cuisines and traveling with her family.
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.
Fabienne began her career in financial services in 2009, and joined Morgan Stanley in 2016 as a Regional Analyst. Prior to joining the firm, she was an Internal Wholesaler at Lincoln Financial Group as well as an Account Manager & Marketing Coordinator at Navidor Merchant Services.
Fabienne is a graduate of New York University where she received a Bachelor of Arts in Economics. She lives in Wayne, Pennsylvania with her family. Outside of the office, Fabienne enjoys running, hiking, exploring new types of cuisines and traveling with her family.
NMLS#: 1879930
About Paul Murphy
Paul Murphy is the Financial Planning Director for the Greater Philadelphia Complex. He has over 10 years of financial services industry experience. Paul is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Prior to joining Morgan Stanley in 2022, Paul worked as a Senior Financial Advisor at Vanguard, providing portfolio management and financial planning services for over 200 high-net-worth clients.
Paul earned his B.S. from Nova Southeastern University majoring in Finance. He obtained his CERTIFIED FINANCIAL PLANNER™ (CFP®) designation in 2017. Paul also holds his FINRA Series 6, 7, 63, and 65 Licenses.
In his free time, Paul enjoys golfing, travel, and spending time with his family, especially his eleven nieces and nephews. Paul currently lives in Conshohocken, PA.
Prior to joining Morgan Stanley in 2022, Paul worked as a Senior Financial Advisor at Vanguard, providing portfolio management and financial planning services for over 200 high-net-worth clients.
Paul earned his B.S. from Nova Southeastern University majoring in Finance. He obtained his CERTIFIED FINANCIAL PLANNER™ (CFP®) designation in 2017. Paul also holds his FINRA Series 6, 7, 63, and 65 Licenses.
In his free time, Paul enjoys golfing, travel, and spending time with his family, especially his eleven nieces and nephews. Paul currently lives in Conshohocken, PA.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
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 consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
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 consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Wealth Management
From Our Team
How to Make Your Philanthropic Dollars Count
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
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
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
Are You Prepared for Tax Day?
Article Image
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The Green Team today.
1The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
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.
5Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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.
9Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
10When 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.
11Morgan 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.
12Morgan 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.
13Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
14When 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.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
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.
5Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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.
9Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
10When 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.
11Morgan 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.
12Morgan 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.
13Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
14When 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.
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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.
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Awards Disclosures
CRC 6491812 (04/2024), 3582895 (6/2024)
