Jay Grossman
Managing Director, Wealth Management, Workplace Advisor - Equity Compensation
Phone:
(516) 683-3190(516) 683-3190
Industry Award WinnerOur Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
We work with individuals and families whose financial lives have become more complex—because their success has created more moving parts, more decisions, and more stakeholders. Our role is to bring clarity and coordination to that complexity, helping clients make thoughtful choices that align with what they value today and what they want their wealth to support over time.
Our approach starts with understanding the full picture: lifestyle needs, long-term goals, risk considerations, and the realities of taxes, timing, and family dynamics. From there, we help build a durable plan that connects day-to-day financial decisions with a longer-range strategy—so clients can act with purpose, not just react to markets or life events.
We often serve clients through pivotal transitions that can reshape a balance sheet and a family’s priorities—such as the build-up to a major liquidity event, a change in compensation structure, the sale of a business, or an unexpected change in personal circumstances. In these moments, we help clients evaluate trade-offs, model scenarios, and make decisions that are designed to hold up not only in the near term, but across the next chapter.
For families thinking beyond a single generation, we help create structure around continuity—supporting planning that considers how wealth may be stewarded, how responsibilities may evolve, and how intentions can be communicated clearly. When charitable goals are part of the plan, we help clients shape an approach that reflects what matters most to them and supports the impact they want to have.
Backed by the global resources of Morgan Stanley and delivered through a dedicated team relationship, our objective is to provide steady guidance, discretion, and a planning-first mindset—so clients can move forward with a strategy that evolves as life changes.
Our approach starts with understanding the full picture: lifestyle needs, long-term goals, risk considerations, and the realities of taxes, timing, and family dynamics. From there, we help build a durable plan that connects day-to-day financial decisions with a longer-range strategy—so clients can act with purpose, not just react to markets or life events.
We often serve clients through pivotal transitions that can reshape a balance sheet and a family’s priorities—such as the build-up to a major liquidity event, a change in compensation structure, the sale of a business, or an unexpected change in personal circumstances. In these moments, we help clients evaluate trade-offs, model scenarios, and make decisions that are designed to hold up not only in the near term, but across the next chapter.
For families thinking beyond a single generation, we help create structure around continuity—supporting planning that considers how wealth may be stewarded, how responsibilities may evolve, and how intentions can be communicated clearly. When charitable goals are part of the plan, we help clients shape an approach that reflects what matters most to them and supports the impact they want to have.
Backed by the global resources of Morgan Stanley and delivered through a dedicated team relationship, our objective is to provide steady guidance, discretion, and a planning-first mindset—so clients can move forward with a strategy that evolves as life changes.
Capabilities
- Comprehensive Wealth Management
- Portfolio Management
- Cash Management & LendingFootnote1
- Estate Planning StrategiesFootnote2
- Alternative InvestmentsFootnote3
- Single Family Office Services
- Private Investments
- Philanthropic Services
- Equity Compensation
- Pre-liquidity Planning
- Sudden Wealth Financial Planning
- Trust ServicesFootnote4
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
About PWM
Founded in 1977, Private Wealth Management is the division of Morgan Stanley Wealth Management that is dedicated to serving the firm’s most affluent clients, including some of the world’s most accomplished entrepreneurs, executives and stewards of multigenerational wealth. Functioning as an exclusive investment boutique within a global financial firm, we deliver sophisticated solutions that leverage the intellectual capital and insight of Morgan Stanley’s substantial global resources. Drawing on a deep understanding of your financial life, our goal is to help you:
- Manage investments with an unwavering focus on your financial strategy and personal goals
- Create comprehensive, multigenerational wealth management plans based on your needs, challenges and the values that guide your life and legacy
- Simplify financial complexity to help you achieve clarity and control
Private Wealth Management Highlights
- Approximately 300 teams specialized in assisting individuals and families with $20MM+ in investable assets
- Over $1.2 trillion in AUM
- Comprising 26% of the Barron’s Top 100 Financial Advisors list for 2025
- Direct access to ultra high net worth experts in philanthropy, family dynamics, wealth transfer, lifestyle advisory and other areas of interest to ultra high net worth families
1 Morgan Stanley Wealth Management, September 2025
Source: Barron's (Awarded March 2025) This ranking was determined based on an evaluation process conducted by Barron's for the period Oct 2023-Sept 2024. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on an algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the assessment of Barron's and may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
INVESTMENT OVERVIEW & RESOURCES
While the strategies and solutions we provide can be broad in scope, our approach is tailored to specific needs. We strive to deliver the personalized attention you've expect, utilizing Morgan Stanley's investment tools and platforms to help achieve your financial and legacy goals.
Cash Management and Lending Solutions
Simplify your financial life with integrated cash management and lending capabilities designed to complement your investment strategy. We help align liquidity, borrowing and day‑to‑day banking needs with your broader financial goals.
Alternative Investments
Access our alternatives platform featuring 200+ third‑party and proprietary offerings, including select first‑look and exclusive opportunities. For qualified investors, alternatives may help diversify portfolios, manage volatility, enhance tax efficiency and generate income within a goals‑based asset allocation framework.
Our Hedge Funds Platform
Our platform provides access to leading hedge fund managers across a range of strategies, offering potential diversification and differentiated return opportunities versus traditional equities.
Private Markets
Morgan Stanley's Private Markets Platform offers Wealth Management clients access to a range of transaction opportunities in private company securities.
Private Equity
Private equity can offer long‑term growth potential and diversification beyond public markets. We help eligible investors explore opportunities across the private equity landscape, including strategies designed for varying risk, liquidity and time horizons.
Private Credit
Private credit can be an important component within alternative investing for qualified investors, with strategies that typically focus on privately originated or negotiated lending. Active underwriting and manager selection aim to pursue attractive risk‑adjusted returns and income-oriented outcomes.
Separately Managed Accounts
Access a full suite of professionally managed SMA strategies—spanning equity, fixed income, multi‑asset, responsible investing and select alternative approaches—often with greater transparency and customization than pooled vehicles.
Philanthropic Management
Turn charitable goals into a lasting impact strategy. From clarifying giving priorities to implementing structures such as donor‑advised funds or foundations, we help align philanthropy with your values and legacy objectives.
Direct Indexing
Direct indexing is a strategy that seeks to replicate an index by owning the underlying securities rather than a fund—potentially enabling personalization (such as values-based preferences) and tax-aware management, depending on the investor's objectives.
Tax Management Services
Tax-aware portfolio management can help improve after‑tax outcomes. Morgan Stanley's Tax Management Services within a taxable managed portfolio seeks to deliver professional, tax‑efficient portfolio management aligned to your financial goals.
FAMILY OFFICE RESOURCES
Family Office Resources (FOR) provides specialized technical expertise to ultra-high-net-worth clients across a broad range of family wealth management issues. View our linked resources below to learn more about Morgan Stanley Family Office Resources capabilities.
Family Office Resources Overview
As your family and wealth grow, your needs may become more complex—often requiring advisors with broader, more advanced capabilities.
Learn More HerePhilanthropy Management
Philanthropy Management supports individuals, families, corporations, private foundations, and nonprofits with services that help define and achieve their charitable missions.
Learn More Here
Family Governance and Wealth Education
For many ultra-high-net-worth (UHNW) clients, the most complex wealth planning challenges stem less from financial capital and more from human capital—family dynamics, communication, preparedness, and shared purpose. Family Governance Services is a comprehensive, family-focused offering designed to help each family address its unique needs.
Learn More Here
Estate Planning Strategies
Our experienced professionals can meet with you and your advisors to review potential tax, trust, and estate planning strategies, support you in putting those strategies into action, and help ensure they align with your overall investment plan.
Learn More HereClient Resources
Total Wealth View
Conveniently view your accounts from other financial institutions on Morgan Stanley Online by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
Learn More
CashPlus
Enjoy unlimited ATM fee rebates worldwide with the Morgan Stanley Debit Card, along with no foreign transaction fees, no cash advance fees, unlimited checkwriting, and more.
Learn More
eSign
A digital, paperless alternative to the traditional means of obtaining signatures from clients on paperwork. There is no registration process for you to begin using eSign - all you need is a valid email address and phone number.
See Steps to Use
eDelivery
Provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery to securely save, print, send, and receive documents at any time.
Enroll in eDelivery
Online Transfers
Transfer funds between Morgan Stanley accounts and a verified account from another financial institution.
Follow Steps for a Transfer Here
Send Money to Zelle
A fast, easy way to send money to family and friends in minutes using an email address or U.S. mobile phone number right from your mobile app or desktop.
Learn More
Mobile Check Deposit
Use the mobile check deposit feature to deposit checks drawn on a U.S. bank, anytime, anywhere, from your iPhone, iPad or Android device.
Learn More
Reserved Living and Giving
A complimentary loyalty program available to clients with a minimum of $1M in AUM, that can help them save time and money on travel, gifts, automobiles and more.
Join NowLocation
1200 Franklin Avenue 2nd
Fl
Garden City, NY 11530
US
Direct:
(516) 683-3287(516) 683-3287
Meet The GSS Group
Managing Director, Private Wealth Advisor, Founders Specialist, Lending Specialist, Workplace Advisor - Equity Compensation
Phone:
(516) 683-3192(516) 683-3192
Gabriel Grossman
Senior Vice President, Wealth Management, Senior Portfolio Manager, CERTIFIED FINANCIAL PLANNER®, Workplace Advisor - Equity Compensation, Lending Specialist
Phone:
(516) 683-3194(516) 683-3194
Vice President, Financial Advisor, Senior Portfolio Manager, Chartered Retirement Planning Counselor
Phone:
(516) 683-3199(516) 683-3199
Craig Silverstein
Financial Advisor
Phone:
(516) 683-3195(516) 683-3195
Associate Vice President, Wealth Management, Financial Advisor, Workplace Advisor - Equity Compensation
Phone:
(516) 683-3193(516) 683-3193
Franca Maciag
First Vice President, Director of Business Strategy
Phone:
(516) 683-3287(516) 683-3287
Teresa Labo
Wealth Management Associate
Phone:
(516) 683-3196(516) 683-3196
Elisabetta C. Strada
Portfolio Associate
Phone:
(516) 683-3198(516) 683-3198
Mona Katriyar
Portfolio Associate
Phone:
(516) 683-3197(516) 683-3197
About Jay Grossman
As Managing Director and a founding partner of the GSS Group, Jay brings a lifetime of experience to his role as a wealth management professional. For nearly 40 years, he has been serving the specialized needs of high net worth professionals, business owners and multi-generational families in the New
York City metro area and around the country. He combines his deep knowledge of the financial markets with an educational approach that guides his clients towards the achievement of their specific goals.
Upon earning his B.S. degree in Accounting from Brooklyn College, Jay continued his studies, receiving his M.B.A. in Finance at Pace University. In 1979, he began his career at Merrill Lynch, where he spent the next 38 years steering clients through various market cycles, helping them maintain the
focus and diligence needed to accomplish their goals in any market environment. Jay and his team joined the Morgan Stanley family in 2017.
Originally from Belle Harbor, Jay now lives in Woodmere with his wife, Susan Grossman. They have two grown sons, Gabriel and Matteson. Gabriel proudly serves clients alongside his father at the GSS Group. Jay's favorite leisure activities include baseball, movies and reading.
York City metro area and around the country. He combines his deep knowledge of the financial markets with an educational approach that guides his clients towards the achievement of their specific goals.
Upon earning his B.S. degree in Accounting from Brooklyn College, Jay continued his studies, receiving his M.B.A. in Finance at Pace University. In 1979, he began his career at Merrill Lynch, where he spent the next 38 years steering clients through various market cycles, helping them maintain the
focus and diligence needed to accomplish their goals in any market environment. Jay and his team joined the Morgan Stanley family in 2017.
Originally from Belle Harbor, Jay now lives in Woodmere with his wife, Susan Grossman. They have two grown sons, Gabriel and Matteson. Gabriel proudly serves clients alongside his father at the GSS Group. Jay's favorite leisure activities include baseball, movies and reading.
Securities Agent: OR, NM, NC, KY, UT, RI, NY, MI, IL, ID, GA, VT, VA, SD, OH, NV, NH, MD, MA, IN, WI, NJ, MN, IA, DE, CA, MO, DC, CT, AZ, TX, FL, WA, TN, CO, SC, PA, ME, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 579789
NMLS#: 579789
About Damon Silverstein
Securities Agent: WI, AZ, VT, IL, OH, MO, TX, TN, NM, KS, IA, GA, SC, NC, MN, IN, CT, WA, UT, NJ, MD, DC, RI, PA, DE, VA, MI, KY, CA, OR, NY, NH, CO, SD, NV, MA, ID, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 579976
NMLS#: 579976
About Gabriel Grossman
Gabe Grossman is a Senior Vice President, Certified Financial Planner® (CFP®) and Financial Advisor at The GSS Group. He enjoys working closely with high net worth professionals and families in solving their financial challenges. To Gabe, a solid wealth management plan begins with comprehensive financial planning that focuses on understanding each client’s unique goals and circumstances.
Upon graduating from Syracuse University with a double major in Accounting and Finance, Gabe joined Ernst & Young, where he earned his CPA. For the next couple years, Gabe worked with some of the nation’s largest broker/dealers and investment management firms. In 2012, he made a decision to pursue his original passion of finance. He joined his father at The GSS Group at Merrill Lynch and has been a vital member of the team ever since. The group moved to Morgan Stanley in 2017.
Throughout his career, Gabe has developed skills in financial planning, portfolio management and tax minimization strategies. His passion has always been to help clients achieve their personal and professional dreams. He takes pride is helping clients oversee and manage their finances, so they may
enjoy the wealth they have created.
Originally from Woodmere, Gabriel now lives in Manhattan with his wife, Marissa, son Jude and toy poodle Kobe.
Upon graduating from Syracuse University with a double major in Accounting and Finance, Gabe joined Ernst & Young, where he earned his CPA. For the next couple years, Gabe worked with some of the nation’s largest broker/dealers and investment management firms. In 2012, he made a decision to pursue his original passion of finance. He joined his father at The GSS Group at Merrill Lynch and has been a vital member of the team ever since. The group moved to Morgan Stanley in 2017.
Throughout his career, Gabe has developed skills in financial planning, portfolio management and tax minimization strategies. His passion has always been to help clients achieve their personal and professional dreams. He takes pride is helping clients oversee and manage their finances, so they may
enjoy the wealth they have created.
Originally from Woodmere, Gabriel now lives in Manhattan with his wife, Marissa, son Jude and toy poodle Kobe.
Securities Agent: TX, RI, KS, WA, SC, NY, NH, TN, KY, IL, GA, CA, WI, NC, DE, VA, OR, MO, VT, MI, IN, UT, SD, PA, MD, NV, IA, AZ, NM, NJ, MN, MA, FL, DC, CO, OH, MS, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1070655
NMLS#: 1070655
About Jeanne Hanrahan
Jeanne has over 30 years of experience in finance and enjoys working with individuals and families to help them build, preserve, and transfer wealth. She is a qualified Senior Portfolio Manager and has earned and maintains the designation of Chartered Retirement Planning Counselor.
Jeanne's practice focuses on building retirement income as well as wealth preservation and family specific wealth transfer strategies. Since financial decisions made today have multi-generational impact, she is committed to crafting plans that help families avoid financial mistakes. To that end, she also works closely with her clients' trusted family attorneys and tax advisors. In recent years she has constructed many portfolios focusing on Environmental, Social, and Governance (ESG) issues and Socially Responsible Investing (SRI).
After graduating with a BA in Philosophy from the University of Colorado, Jeanne attended graduate school at the University of San Francisco in California and Pace University in New York. She grew up in Oyster Bay, NY, has lived in San Francisco, Chicago, Denver, and Washington DC; and recently bought a home in Savannah, Georgia where she now resides with her partner, Alan Kudisch. She has two grown children - Georgia, a graduate of Fordham University who resides in Virginia and Thomas, a graduate of Manhattan College who resides in Charleston, SC.
Jeanne is an avid Bridge player and frequently travels throughout the US to compete in National Contract Bridge League tournaments. She also enjoys Ballroom dancing, Pickle-Ball and sailing and supports many charitable organizations focused on helping children, the homeless and the hungry.
Jeanne's practice focuses on building retirement income as well as wealth preservation and family specific wealth transfer strategies. Since financial decisions made today have multi-generational impact, she is committed to crafting plans that help families avoid financial mistakes. To that end, she also works closely with her clients' trusted family attorneys and tax advisors. In recent years she has constructed many portfolios focusing on Environmental, Social, and Governance (ESG) issues and Socially Responsible Investing (SRI).
After graduating with a BA in Philosophy from the University of Colorado, Jeanne attended graduate school at the University of San Francisco in California and Pace University in New York. She grew up in Oyster Bay, NY, has lived in San Francisco, Chicago, Denver, and Washington DC; and recently bought a home in Savannah, Georgia where she now resides with her partner, Alan Kudisch. She has two grown children - Georgia, a graduate of Fordham University who resides in Virginia and Thomas, a graduate of Manhattan College who resides in Charleston, SC.
Jeanne is an avid Bridge player and frequently travels throughout the US to compete in National Contract Bridge League tournaments. She also enjoys Ballroom dancing, Pickle-Ball and sailing and supports many charitable organizations focused on helping children, the homeless and the hungry.
Securities Agent: VT, VA, NC, KS, IA, TN, NJ, GA, CA, WI, UT, OR, KY, TX, IL, MN, MD, WA, SD, NH, DC, NM, MI, CT, PA, NY, MA, IN, DE, CO, AZ, SC, RI, OH, NV, MO, FL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 579891
NMLS#: 579891
About Craig Silverstein
Securities Agent: OR, AL, VA, OH, MN, CO, UT, SD, MA, IA, AZ, NC, MO, KY, PA, NH, SC, MD, IN, WA, TX, NY, NV, GA, CA, TN, NM, IL, FL, CT, WI, VT, RI, NJ, ID, DE, MI, KS, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 2698368
NMLS#: 2698368
About Abbe Hunter Spector
Abbe Spector is a Financial Advisor with over 30 years of experience in Wealth Management. Abbe is part of The GSS Group, a highly skilled advisory team offering intellectual capital and comprehensive financial management services. Her approach includes the development of a tailored financial plan, ongoing account management and dedicated personal service. Abbe focuses on helping families and business leaders achieve their goals, which often include planning for a successful retirement, financing a major acquisition, implementing tax-efficient strategies and passing wealth to the next generation.
Abbe is a graduate of the University of Michigan (GO BLUE!), where she earned her B. A. degree in Economics. Outside of working with her team, Abbe enjoys family time, world travel, fitness and multiple philanthropic endeavors. Abbe resides in Brookville, with her husband Scott, and has 3 grown children.
Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025, 2026) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/25
Abbe is a graduate of the University of Michigan (GO BLUE!), where she earned her B. A. degree in Economics. Outside of working with her team, Abbe enjoys family time, world travel, fitness and multiple philanthropic endeavors. Abbe resides in Brookville, with her husband Scott, and has 3 grown children.
Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025, 2026) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/25
Securities Agent: OR, SD, NY, NV, NM, MD, KY, IN, DC, CT, MN, IL, TX, SC, CA, CO, RI, PA, NH, MO, GA, WA, TN, OH, MA, DE, VT, UT, MI, KS, AZ, IA, NJ, NC, ID, FL, WI, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 710701
NMLS#: 710701
Contact Jay Grossman
Contact Damon Silverstein
Contact Gabriel Grossman
Contact Jeanne Hanrahan
Contact Craig Silverstein
Contact Abbe Hunter Spector
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2023-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes Top Next-Gen Wealth Advisors
2019, 2022-2025 Forbes America's Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors) Source: Forbes.com (Awarded 2019, 2022-2025). Data compiled by SHOOK Research LLC based on 12-month period concluding in March of the year the award was issued.
Forbes Best-In-State Wealth Advisors
2021-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2021-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
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Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
Managing Significant Wealth
- Investment Management
- Wealth Transfer & Philanthropy
- Cash Management & Lending
- Family Governance & Wealth Education
- Lifestyle Advisory
- Business Services
Insights and Outcomes
Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
Private Wealth Management Podcast
Bringing you engaging stories and key insights surrounding the complexities associated with significant wealth, including:
- Intergenerational Planning
- Philanthropic Giving
- Non-Traditional Assets
- Managing Family Wealth
We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
1Morgan 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
2Morgan 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.
3Alternative 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.
4Morgan 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.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
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
Awards Disclosures | Morgan Stanley
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
2Morgan 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.
3Alternative 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.
4Morgan 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.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
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
Awards Disclosures | Morgan Stanley
CRC 4237142 (02/2025)
