Carlo J. Licata
Senior Vice President, Wealth Management, Financial Advisor, Alternative Investments Director, Portfolio Management Director, Workplace Advisor - Equity Compensation
Phone:
(704) 442-3414(704) 442-3414
The Greenhaven Group at Morgan Stanley
Direct:
(704) 442-3414(704) 442-3414
Our Mission Statement
Fusing sophisticated portfolio construction and comprehensive planning strategies into holistic wealth management for your life and legacy.
Welcome
Affluent individuals and their families deserve more than just advice on whether to buy, sell, or hold a security. Many face complex challenges, such as supporting aging parents while preserving their legacy, maintaining their lifestyle after significant life changes, or ensuring their thriving business continues to flourish. These challenges require sophisticated, personalized portfolio construction and comprehensive bespoke planning.
Greenhaven Wealth Management Group brings experienced Financial Advisors with portfolio management and financial planning skills together to help provide clients with a uniquely all-inclusive package of in-house financial services.
Special people deserve special solutions. That’s why all the work we do for our clients—whether constructing an investment portfolio or developing a strategic financial plan—is rooted in the in-depth and ongoing conversations we have with them. Our approach is not based on standardized templates or generic blueprints, but on a proprietary set of solutions tailored to each client’s unique needs and goals.
Our portfolio management strategy is distinctive. We prefer to build portfolios using carefully selected individual stocks, bonds, and alternative investment vehicles. This approach allows us to provide appropriate diversification and better manage taxes and fees compared to traditional mutual funds and ETFs. Meanwhile, our financial planning process is equally comprehensive, covering cash management, lending, insurance, education, tax, charitable, estate, and legacy programs alongside traditional goals-based planning and risk evaluation. This integrated approach helps ensure clients can meet their short-, medium-, and long-term objectives.
Active portfolio and wealth management are central to our value proposition. We monitor markets continuously, analyzing changes and their potential impact on our clients’ financial security and progress toward their goals. Our bold, tactical, and opportunistic management style ensures our clients’ financial lives are always aligned with their aspirations. Thus, combining access to some of the world’s most seasoned investment professionals, a premier trading and execution platform, and a full spectrum of investment choices, we help clients define and strive to meet their goals while preserving and growing their wealth.
If you’re intrigued by our story and would like to explore whether our all-inclusive approach is the right fit for you and your family, we welcome the opportunity to have a conversation.
The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
Greenhaven Wealth Management Group brings experienced Financial Advisors with portfolio management and financial planning skills together to help provide clients with a uniquely all-inclusive package of in-house financial services.
Special people deserve special solutions. That’s why all the work we do for our clients—whether constructing an investment portfolio or developing a strategic financial plan—is rooted in the in-depth and ongoing conversations we have with them. Our approach is not based on standardized templates or generic blueprints, but on a proprietary set of solutions tailored to each client’s unique needs and goals.
Our portfolio management strategy is distinctive. We prefer to build portfolios using carefully selected individual stocks, bonds, and alternative investment vehicles. This approach allows us to provide appropriate diversification and better manage taxes and fees compared to traditional mutual funds and ETFs. Meanwhile, our financial planning process is equally comprehensive, covering cash management, lending, insurance, education, tax, charitable, estate, and legacy programs alongside traditional goals-based planning and risk evaluation. This integrated approach helps ensure clients can meet their short-, medium-, and long-term objectives.
Active portfolio and wealth management are central to our value proposition. We monitor markets continuously, analyzing changes and their potential impact on our clients’ financial security and progress toward their goals. Our bold, tactical, and opportunistic management style ensures our clients’ financial lives are always aligned with their aspirations. Thus, combining access to some of the world’s most seasoned investment professionals, a premier trading and execution platform, and a full spectrum of investment choices, we help clients define and strive to meet their goals while preserving and growing their wealth.
If you’re intrigued by our story and would like to explore whether our all-inclusive approach is the right fit for you and your family, we welcome the opportunity to have a conversation.
The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
Services Include
- Professional Portfolio ManagementFootnote1
- Financial PlanningFootnote2
- Cash Management and Lending ProductsFootnote3
- Alternative InvestmentsFootnote4
- Municipal BondsFootnote5
- Corporate BondsFootnote6
- Business Succession PlanningFootnote7
- Stock Plan ServicesFootnote8
- Retirement PlanningFootnote9
- Executive Financial ServicesFootnote10
- Trust ServicesFootnote11
- Long-term Care InsuranceFootnote12
- AnnuitiesFootnote13
- Life InsuranceFootnote14
- Planning for Education FundingFootnote15
- Wealth ManagementFootnote16
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our approach to portfolio construction and management is based on decades of detailed research and analysis focused on results rather than following a herd mentality. We build portfolios designed to help deliver diversification that match the client's needs and goals, manage taxes and expenses, and maximize control and agility so we can quickly and effectively respond to changes in the market. We do that by following four core principles:
Stress Individual Issues
Mutual funds and ETFs, while useful, often lack the control and flexibility we believe are necessary. We think there can be better ways to diversify.
Limit the Number of Issues
Our analysis shows that holding 45 to 55 individual stocks, 15 to 20 bonds, and perhaps alternative instruments, can adequately help manage risk while enabling speedier and more effective market reactions.
Keep Expenses Down
We believe that expenses and taxes are often overlooked threats to portfolio performance, and that the use of individual issues can help minimize both.
Choose Companies With Global Reach
Instead of investing in often volatile international markets to reduce currency and political risk, we seek to invest in companies that operate globally.
A Roadmap for Your Portfolio
The most productive financial plans are those that address all your hopes and goals and risks in the short, medium and long term, that help manage the challenge of market volatility, and help ensure wealth can be effectively and efficiently transferred. We look at your life as a unique mosaic of multiple elements: managing your business or career as well as savings and investments; assisting your parents and educating children in addition to your own retirement; and your values and lifestyle along with your portfolio and balance sheet. We create comprehensive strategic plans that consist of four elements:
Financial Planning
The core of all of our strategic plans remains traditional goal-based planning, risk and liability review, and active monitoring of how changes in the markets and your life impact your progress toward your goals.
Cash Management and Lending
Savvy management of your cash and liabilities, can play a major role in the ability of you and your family to fully enjoy your wealth in the present.
Insurance Planning
Investment diversification shouldn't be your only risk management strategy: life, disability and long-term care insurance protection can help effectively protect your own and your family's future and help in planning for pre- and post-retirement healthcare costs.
Charitable Giving Planning
A comprehensive estate and trust planning approach should include capital gain management as well as ways to pass along your ethics and values such as donor advised funds, charitable remainder trusts and family foundations.
Next Level Investing
Wealth has been a byproduct, not the reason for your success as an executive or entrepreneur. It was your dedication, vision, determination and grit that led to your significant financial resources in the form of stock compensation or business equity. You've had the wisdom to preserve and protect that wealth. Now that you've reached a point when you're ready to make your wealth accessible for you and your family's future, you need to engage in next level investing.
We combine our unique approach to portfolio construction with experience in developing tax-efficient methods for stock liquidity and monetizing business value to offer each of our clients a powerful yet prudent way to access, grow and preserve the wealth they've accumulated.
Some of our advanced portfolio strategies:
- Exchange funds
- Private credit, private equity
- Donor advised funds, pooled income funds
- Portfolio line of credit
- 10b5-1 Plans
- Option strategies
- QSBS Exclusion
- Private sales
- IPOs
- ESOPs
Alternative Investments
At Morgan Stanley, we provide individuals and institutions access to world-class alternative investment strategies spanning private equity, real assets, private credit, hedge funds and digital assets. These strategies may deliver differentiated sources of return relative to traditional equity and fixed income investments, as well as offer potential for tax efficiency.
Alternative Investments: Diversify Your Portfolio
With more than 40 years' experience and over $140 billion in client assets currently invested in alternatives, Morgan Stanley's comprehensive strategies, diverse talent and global resources enable us to provide qualified investors with distinctive investment opportunities.
Alternatives 2.0: Innovative Ways to Diversify Your Portfolio How to Diversify
Learn how a host of innovative alternative strategies could bolster investors' portfolios as traditional assets face headwinds.
Life Change Monitoring
Active monitoring and management are essential for the success of your comprehensive financial planning as well as your investment portfolio. We believe your comprehensive wealth plan is a living document, that must be subject to regular review and adjustment if necessary based on how your life circumstances shift.
Every financial plan should consider your family's short-, medium- and long-term goals. The definition of these time lines, however, depends on your stage in life. Buying a weekend home might be a long-term goal when you're in your mid-career/wealth accumulation stage, but a short-term goal when you're in your late-career/lifestyle maximization stage. Meeting healthcare needs could be a medium-term goal in your late-career stage but would likely be a short-term goal in your post-retirement stage.
Life is changeable and not always predictable. Changes in your career, family dynamics, or health are apt to impact your goals and priorities. That's another reason a comprehensive wealth management plan needs to be regularly monitored and potentially adjusted rather than carved in stone and treated as permanent.
We strive for a close and trusted relationship with each of our select group of clients so we are among the first people called when life changes, for better or worse. We want to be there to help you and your family through multiple generations.
Some of our advanced wealth transfer approaches:
- Early gifting
- Irrevocable insurance trust
- Credit shelter trust
- Grantor retained annuity trust
- Sale/loan to irrevocable grantor trust
- Qualified personal residence trust
- Charitable lead trust
- Charitable remainder trust
- Charitable giving strategies
The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
Location
6805 Carnegie Blvd
Ste 400
Charlotte, NC 28211
US
Direct:
(704) 442-3414(704) 442-3414
233 South Wacker Drive
Suite 8600
Chicago, IL 60606
US
Direct:
(888) 609-3534(888) 609-3534
Meet The Greenhaven Group
Kyle Wolseley
Financial Advisor, Portfolio Manager
Phone:
(312) 827-6626(312) 827-6626
Phone:
(312) 419-3469(312) 419-3469
Greegory Reyes
Financial Advisor, Workplace Advisor - Equity Compensation
Phone:
(704) 442-3405(704) 442-3405
Alexander Chambarry
Registered Client Service Associate
Phone:
(704) 442-4800(704) 442-4800
James B Johnson
Registered Associate
Phone:
(312) 443-6063(312) 443-6063
Craig Yong
Registered Associate
Phone:
(312) 827-6941(312) 827-6941
David McColl
Client Relationship Analyst
Phone:
(312) 827-6994(312) 827-6994
About Carlo J. Licata
Carlo Licata believes ultra-high net worth individuals can find true investment safety by resisting the herd mentality. A Portfolio Management Director and an Alternative Investments Director, Carlo follows a distinctive investment philosophy that eschews mutual funds and exchange-traded funds and instead builds distinctive portfolios consisting of single stocks, individual bonds and alternative vehicles that provide clients with appropriate diversification and exceptional control while managing taxes and fees.
Carlo began to develop his personal investment philosophy early in his financial services career when working as an advisor with a boutique bond broker. Witnessing the impact a severe downturn in stocks had on client portfolios, he began exploring new ways to better preserve assets and manage risk. Joining Morgan Stanley in 2010, Carlo refined his approach. After 20 years in the industry his fully developed unique data-driven portfolio strategy has attracted financially sophisticated clients that include traders, hedge fund managers and corporate executives. While he remains fascinated by the intricacies of investing, Carlo has found the development of close, long-lasting relationships with clients and their families to be the most rewarding aspect of his business.
Born in Detroit, Carlo earned his B.S. in Business Management from Oakland University. He moved to Chicago to pursue his career in financial services and subsequently relocated with his wife and children to Charlotte, North Carolina. Carlo brought his passion for ice hockey and auto racing with him on the move south and has found more opportunities to pursue his love for deep-sea sport fishing.
Carlo began to develop his personal investment philosophy early in his financial services career when working as an advisor with a boutique bond broker. Witnessing the impact a severe downturn in stocks had on client portfolios, he began exploring new ways to better preserve assets and manage risk. Joining Morgan Stanley in 2010, Carlo refined his approach. After 20 years in the industry his fully developed unique data-driven portfolio strategy has attracted financially sophisticated clients that include traders, hedge fund managers and corporate executives. While he remains fascinated by the intricacies of investing, Carlo has found the development of close, long-lasting relationships with clients and their families to be the most rewarding aspect of his business.
Born in Detroit, Carlo earned his B.S. in Business Management from Oakland University. He moved to Chicago to pursue his career in financial services and subsequently relocated with his wife and children to Charlotte, North Carolina. Carlo brought his passion for ice hockey and auto racing with him on the move south and has found more opportunities to pursue his love for deep-sea sport fishing.
Securities Agent: RI, AZ, MO, OH, NJ, MA, GA, TN, NY, FL, VA, PA, MI, KS, CA, NV, ID, DE, CT, TX, ME, IN, CO, WA, SC, DC, NH, MT, MN, AL, WI, UT, NC, HI, WY, NM, KY, IL, IA, VT, OR, OK, MS, MD, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 1282561
NMLS#: 1282561
About Kyle Wolseley
Kyle Wolseley takes pride in being a meticulous observer of the financial markets. As a Portfolio Manager for the Greenhaven Group he puts a great deal of research time and analytical effort into the construction and ongoing review of bespoke portfolios, anticipating market shifts and watching hedge fund flows that might indicate defensive adjustments while looking for possible inefficiencies and opportunities to boost productivity and effectiveness. Kyle believes that when clients put their trust in him, they and their families expect and deserve the highest level of technical attentiveness and prudence, as well as white-glove personal service.
Kyle’s diverse background in financial services informs his observations and analysis. Prior to graduating Northern Illinois University, he joined Northwestern Mutual’s internship program and graduated from that program to full-time, first as a Financial Representative, and eventually as an Associate to one of Northwestern Mutual’s top producers. After gathering experience with insurance and mutual funds and servicing primarily trader clients, Kyle looked to expand his knowledge by becoming a commodities broker for Olympus Futures at the Chicago Board of Trade. In 2014 he joined Morgan Stanley, eager to put his experience to use serving as a Financial Advisor.
Growing up in the Chicago area, Kyle has played soccer since he was five years old and has been an Arsenal fan since 1997. He has been a snowboarder since he was 17 and has trained in boxing for over a decade. His other passion is Formula 1 racing with his favorite driver being Kimi Raikkonen. Kyle is married and resides near the West Loop with his wife Leslie and their cats Jett and Michiko.
Kyle’s diverse background in financial services informs his observations and analysis. Prior to graduating Northern Illinois University, he joined Northwestern Mutual’s internship program and graduated from that program to full-time, first as a Financial Representative, and eventually as an Associate to one of Northwestern Mutual’s top producers. After gathering experience with insurance and mutual funds and servicing primarily trader clients, Kyle looked to expand his knowledge by becoming a commodities broker for Olympus Futures at the Chicago Board of Trade. In 2014 he joined Morgan Stanley, eager to put his experience to use serving as a Financial Advisor.
Growing up in the Chicago area, Kyle has played soccer since he was five years old and has been an Arsenal fan since 1997. He has been a snowboarder since he was 17 and has trained in boxing for over a decade. His other passion is Formula 1 racing with his favorite driver being Kimi Raikkonen. Kyle is married and resides near the West Loop with his wife Leslie and their cats Jett and Michiko.
Securities Agent: NM, NH, MT, MS, HI, CT, WY, UT, OK, NY, NV, LA, KS, IA, VA, TX, NC, MD, CA, MO, FL, CO, PA, MA, KY, DC, WA, SC, OH, NJ, MN, MI, DE, AZ, IN, AR, WI, VT, OR, GA, AL, RI, ME, IL, ID, TN; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1282674
NMLS#: 1282674
About Shelly Cronin
Shelly Cronin has a concierge philosophy about helping clients achieve their goals. Meticulous analysis of current financial circumstances is combined with rigorous discussions about short-, mid- and long-term goals leading to a client-centric approach. She draws on the Greenhaven Group’s experience in portfolio construction and comprehensive planning to develop bespoke wealth management plans for each client. Shelly understands that individuals and families have a mosaic of financial needs that can change arrangements based on career, business and lifestyle cycles. She believes regular consultation is vital to goal calibration through the wealth accumulation, investing for income, retirement planning, and wealth distribution stages.
Shelly developed an early appreciation for business and entrepreneurship watching her father run a family business and her mother’s successful career in insurance. Shelly spent 10 years as a sales executive before launching and running her own Chicago-based luxury service business for 18 years. Shelly joined Morgan Stanley in 2021.
Shelly lives in Chicago with her son. She has served on the leadership committee at Holy Name Cathedral, volunteers at her son’s school and is a Peer Leader at Morgan Stanley.
Shelly developed an early appreciation for business and entrepreneurship watching her father run a family business and her mother’s successful career in insurance. Shelly spent 10 years as a sales executive before launching and running her own Chicago-based luxury service business for 18 years. Shelly joined Morgan Stanley in 2021.
Shelly lives in Chicago with her son. She has served on the leadership committee at Holy Name Cathedral, volunteers at her son’s school and is a Peer Leader at Morgan Stanley.
Securities Agent: NV, MT, CO, NJ, LA, FL, CT, AL, WV, PA, NY, NC, MS, MO, MI, MA, IA, SD, SC, OR, ME, IL, MD, NE, HI, AR, WY, WA, TX, RI, OH, GA, DE, VT, OK, CA, AZ, ND, MN, WI, UT, NM, DC, TN, KY, KS, ID, VA, NH, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 2277779
NMLS#: 2277779
About Greegory Reyes
Greeg was born in Ecuador but raised in Charlotte. He earned his Bachelor’s in Business Administration, with a concentration in Finance & Banking, from Appalachian State’s Walker college of business.
Prior to his current role, Greeg gained valuable experience at Goldman Sachs, where he focused on raising private capital in major markets across the US.
A Charlotte native, Greeg has returned to his hometown of Charlotte, NC to continue serving clients and help them meet their financial goals.
In his free time, Greeg enjoys playing golf, weight training, and supporting his Mountainneers
Prior to his current role, Greeg gained valuable experience at Goldman Sachs, where he focused on raising private capital in major markets across the US.
A Charlotte native, Greeg has returned to his hometown of Charlotte, NC to continue serving clients and help them meet their financial goals.
In his free time, Greeg enjoys playing golf, weight training, and supporting his Mountainneers
Securities Agent: TX, AL, SC, MT, GA, SD, FL, DC, AR, WY, TN, OR, ND, MI, KY, CT, WV, VT, RI, OK, NC, MO, IN, AK, NE, KS, WI, PA, LA, ID, HI, DE, CO, AZ, UT, OH, NY, NV, NH, MN, ME, VI, PR, MS, MA, IL, IA, VA, NM, MD, CA, WA, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 2602801
NMLS#: 2602801
About Alexander Chambarry
Alexander Chambarry feels taking ownership of a client’s problem is vital to providing a white-glove level of care. As a Registered Client Service Associate, he takes personal responsibility for helping solve client problems and address their needs. Alexander believes displaying that degree of accountability demonstrates the Greenhaven Group’s long-term commitment to clients. His goal is for every client experience to be seamless, simple and successful.
Born in New Jersey, Alexander earned his B.A. in Economics from Stony Brook University. He and his wife moved to North Carolina in pursuit of careers in financial services and quality of life. He worked as a Trading Enablement Assistant for Wells Fargo before joining Morgan Stanley in 2023. Alexander serves part-time as Executive Officer for the 883rd Combat Engineer Company in the North Carolina National Guard, based out of Winston-Salem. He and his wife enjoy working out together and hiking with their dog Gator.
Born in New Jersey, Alexander earned his B.A. in Economics from Stony Brook University. He and his wife moved to North Carolina in pursuit of careers in financial services and quality of life. He worked as a Trading Enablement Assistant for Wells Fargo before joining Morgan Stanley in 2023. Alexander serves part-time as Executive Officer for the 883rd Combat Engineer Company in the North Carolina National Guard, based out of Winston-Salem. He and his wife enjoy working out together and hiking with their dog Gator.
About James B Johnson
James Johnson joined Morgan Stanley in 2024 and serves as a Client Service Associate. He prides himself on developing personal relationships with clients to understand their aspirations and tailor his service to meet their goals. He enjoys thinking about clients’ finances in the broader context of their lives, helping them to feel secure in their long-term plan.
James recently moved to Chicago from Seattle, where he graduated from the Foster School of Business at the University of Washington with a BA in Business Administration. In his free time, he enjoys skiing, travel, and finding ways to practice French.
James recently moved to Chicago from Seattle, where he graduated from the Foster School of Business at the University of Washington with a BA in Business Administration. In his free time, he enjoys skiing, travel, and finding ways to practice French.
About Craig Yong
Craig Yong joined Morgan Stanley in 2024 as a Client Service Associate, leaving his previous role as a chef in a Michelin starred restaurant. Craig leverages his previous experience in client facing roles as a tech consultant and as an entrepreneur, where he managed relationships with clients, business partners, and customers.
About David McColl
David McColl joined Morgan Stanley in 2025 and serves as a Client Relationship Analyst. He is passionate about forming and developing client relationships in order to understand their goals to personalize his service to best meet their needs. David is dedicated to helping clients navigate their financial journeys with clarity, trust, and strategic insight.
David recently moved back to Chicago after graduating from the University of Dayton with a BA in Finance. In his free time, David enjoys running on Chicago’s lake front, traveling to new places, and playing tennis or golf with his friends and family.
David recently moved back to Chicago after graduating from the University of Dayton with a BA in Finance. In his free time, David enjoys running on Chicago’s lake front, traveling to new places, and playing tennis or golf with his friends and family.
Contact Carlo J. Licata
Contact Kyle Wolseley
Contact Shelly Cronin
Contact Greegory Reyes
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
Mehul Dhadankar
Private Banker
Brian Kerns
Lead Private Banker
Bruce Spencer, CFP®
Financial Planning Director, Vice President
Andre Shammo, CFP®, CPWA
Financial Planning Director, Vice President
Judson Overstreet
Planning Associate
Michael Gallagher
Managing Director, Wealth Management, Financial Advisor, Corporate Client Group Director
Mark T Curtis
Managing Director, Stock Plan Director, Financial Planning Specialist, Family Wealth Director, International Client Advisor, Investing with Impact Director
James J Detterick, CRPS®
Managing Director, Corporate Client Group Director, Institutional Consulting Director, Stock Plan Director
About Mehul Dhadankar
Mehul Dhadankar is a Private Banker serving Morgan Stanley Wealth Management offices in Illinois.
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.
Mehul began his career in financial services in 1998 and joined Morgan Stanley in 2017. Prior to joining the firm, he served as a Business Development Manager for Bank of America Merrill Lynch in the Merrill Lynch Edge product team. Mehul also served as a Resident Manager, Senior Banker, and Premier Client Manager at Bank of America.
Mehul is a graduate of the DePaul University, where he received a Bachelor of Science in Finance. He lives in Chicago, Illinois with his family. Outside of the office, Mehul enjoys playing golf, traveling, and spending time family and friends.
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.
Mehul began his career in financial services in 1998 and joined Morgan Stanley in 2017. Prior to joining the firm, he served as a Business Development Manager for Bank of America Merrill Lynch in the Merrill Lynch Edge product team. Mehul also served as a Resident Manager, Senior Banker, and Premier Client Manager at Bank of America.
Mehul is a graduate of the DePaul University, where he received a Bachelor of Science in Finance. He lives in Chicago, Illinois with his family. Outside of the office, Mehul enjoys playing golf, traveling, and spending time family and friends.
NMLS#: 652577
About Brian Kerns
Brian Kerns is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.
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.
Brian began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he was a Senior Premier Banker at SunTrust. He also served as a Wealth Management Banker at the Merrill Lynch.
Brian is a graduate of the University of North Florida, where he received a Bachelor of Business Administration in Business Management. Brian resides in Lake Mary, Florida with his wife and children. Outside of the office, he enjoys playing golf and coaching his son T-ball team.
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.
Brian began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he was a Senior Premier Banker at SunTrust. He also served as a Wealth Management Banker at the Merrill Lynch.
Brian is a graduate of the University of North Florida, where he received a Bachelor of Business Administration in Business Management. Brian resides in Lake Mary, Florida with his wife and children. Outside of the office, he enjoys playing golf and coaching his son T-ball team.
NMLS#: 652554
About Bruce Spencer
Bruce Spencer is a vice president and financial planning director, serving Morgan Stanley’s Wealth Management offices in North & South Carolina’s market. He is responsible for helping financial advisors with their clients’ and prospects’ financial planning needs.
Bruce began his career in financial services in 1998 and joined Morgan Stanley in 2024. Prior to his joining Morgan Stanley, Bruce worked at Truist Bank as a wealth planning strategist for ten years. He has also worked at TIAA and Vanguard in various financial planning roles.
Bruce graduated from the University of North Carolina Charlotte and holds his CERTIFIED FINANCIAL PLANNER™ and Retirement Income Certified Professional designations along with his Series 7 license. Bruce lives in Concord, NC with his wife of 25-years and their daughter. Outside of work, Bruce likes to travel, work on home improvement projects, and participate in sports.
Bruce began his career in financial services in 1998 and joined Morgan Stanley in 2024. Prior to his joining Morgan Stanley, Bruce worked at Truist Bank as a wealth planning strategist for ten years. He has also worked at TIAA and Vanguard in various financial planning roles.
Bruce graduated from the University of North Carolina Charlotte and holds his CERTIFIED FINANCIAL PLANNER™ and Retirement Income Certified Professional designations along with his Series 7 license. Bruce lives in Concord, NC with his wife of 25-years and their daughter. Outside of work, Bruce likes to travel, work on home improvement projects, and participate in sports.
About Andre Shammo
Andre is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in the Northern Ohio and Western Pennsylvania as well as the Central and Eastern Pennsylvania Markets. He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Andre began his career in financial services in 2017 and joined Morgan Stanley in 2023. Prior to his current position, he was a member of Robert W. Baird’s Wealth Planning team, where he worked with Baird Financial Advisors to deliver financial planning to their clients.
Andre graduated from the University of Wisconsin-Madison with a degree in Personal Finance and holds his CERTIFIED FINANCIAL PLANNER™ and Certified Personal Wealth Advisor designations. Andre lives in Chicago, Illinois and grew up in Milwaukee, WI. Outside of work, Andre enjoys reading, watching and playing sports as well as traveling in his free time.
Andre began his career in financial services in 2017 and joined Morgan Stanley in 2023. Prior to his current position, he was a member of Robert W. Baird’s Wealth Planning team, where he worked with Baird Financial Advisors to deliver financial planning to their clients.
Andre graduated from the University of Wisconsin-Madison with a degree in Personal Finance and holds his CERTIFIED FINANCIAL PLANNER™ and Certified Personal Wealth Advisor designations. Andre lives in Chicago, Illinois and grew up in Milwaukee, WI. Outside of work, Andre enjoys reading, watching and playing sports as well as traveling in his free time.
About Judson Overstreet
Judson Overstreet is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Judson provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from the University of Georgia and received the Financial Planning Specialist® designation from the College for Financial Planning. Judson is originally from Louisville, Kentucky and currently resides in Roswell, Georgia.
He earned his undergraduate degree from the University of Georgia and received the Financial Planning Specialist® designation from the College for Financial Planning. Judson is originally from Louisville, Kentucky and currently resides in Roswell, Georgia.
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
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
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.
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.
When 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.
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
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
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.
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.
When 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.
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A Simple Six-Step Retirement Checkup
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Rational Investing in an Age of Uncertainty
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529 Plans: A Powerful Tool to Save for Education
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Financial Planning for Life After Selling a Business
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1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley 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
4Alternative 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.
5Municipal 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.
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 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.
8Morgan 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.
9When 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.
10Morgan 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.
11Morgan 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.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15When 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.
16Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley 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
4Alternative 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.
5Municipal 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.
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 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.
8Morgan 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.
9When 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.
10Morgan 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.
11Morgan 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.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15When 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.
16Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
