Jonathan Hale
Executive Director, Wealth Management, Financial Advisor, Investing with Impact Director
Phone:
(937) 223-4061(937) 223-4061
The Hale Group at Morgan Stanley
Direct:
(937) 223-4060(937) 223-4060
Toll-Free:
(888) 251-2124(888) 251-2124
Industry Award WinnerOur Mission Statement
Innovative wealth planning solutions from a creative team of experienced professionals dedicated to personalized service and earning your trust.
Helping you.
The Hale Group delivers customized wealth management solutions to a select group of high net worth families, individuals, and businesses. The highly-skilled team has helped clients build and preserve their assets through numerous market cycles and generations, while developing long term relationships built on trust.
The group strives to support your financial journey to and through retirement. Utilizing Morgan Stanley’s vast resources and product specialists, the team provides insightful guidance on retirement and estate planning strategies, business succession, insurance and investment management.
If you have been pleased with our service and advice, we would appreciate the opportunity to expand our practice to include other members of your family, your friends or professional colleagues. Referrals are one of our most appreciated compliments.
Disclaimer:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
The group strives to support your financial journey to and through retirement. Utilizing Morgan Stanley’s vast resources and product specialists, the team provides insightful guidance on retirement and estate planning strategies, business succession, insurance and investment management.
If you have been pleased with our service and advice, we would appreciate the opportunity to expand our practice to include other members of your family, your friends or professional colleagues. Referrals are one of our most appreciated compliments.
Disclaimer:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Experience
The Hale Group is recognized for providing a broad depth of investment and planning experience. Team members have wide-ranging backgrounds and industry experience. Their unique perspectives are utilized to construct comprehensive wealth strategies supported by state-of-the-art technology and extraordinary customer service.
Team members have extensive experience and training in financial planning. The Hale Group’s advisors have earned the Certified Financial Planner, Chartered Retirement Plans Specialist, Certified Private Wealth Advisor, and Certified Investment Management Analyst designations from prestigious institutions such as the Wharton School at the University of Pennsylvania and the Booth School at the University of Chicago.
The team advisors have worked in different areas of finance including tax planning, public sector pension plans, corporate retirement plans, foundations & endowments, investment management, and technology. Their varied proficiencies, coupled with Morgan Stanley’s vast resources, enable The Hale Group to provide insightful guidance and solutions to almost every financial issue.
The Hale Group is proud to have been named to the 2025 & 2023 Forbes America's Best-In-State Wealth Management Teams.
Team members have extensive experience and training in financial planning. The Hale Group’s advisors have earned the Certified Financial Planner, Chartered Retirement Plans Specialist, Certified Private Wealth Advisor, and Certified Investment Management Analyst designations from prestigious institutions such as the Wharton School at the University of Pennsylvania and the Booth School at the University of Chicago.
The team advisors have worked in different areas of finance including tax planning, public sector pension plans, corporate retirement plans, foundations & endowments, investment management, and technology. Their varied proficiencies, coupled with Morgan Stanley’s vast resources, enable The Hale Group to provide insightful guidance and solutions to almost every financial issue.
The Hale Group is proud to have been named to the 2025 & 2023 Forbes America's Best-In-State Wealth Management Teams.
In The Press
JON HALE - FORBES "BEST-IN-STATE WEALTH ADVISORS" 2025
Source: Forbes (Awarded April 2025) Data compiled by SHOOK Research LLC based on time period from 6/30/23-6/30/24.
Click to Read MoreTHE HALE GROUP - FORBES "BEST-IN-STATE WEALTH MANAGEMENT TEAMS" 2025
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24.
Click to Read MoreJON HALE - FORBES "TOP NEXT-GEN WEALTH ADVISORS BEST-IN-STATE" 2024
Source: Forbes.com (Awarded Aug 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/23–3/31/24.
Click to Read MoreJON HALE - FORBES "BEST-IN-STATE WEALTH ADVISORS" 2024
Source: Forbes (Awarded April 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22-6/30/23.
Click to Read MoreJON HALE - MORGAN STANLEY "MASTER'S CLUB" 2024
Click to Read MoreTODD NUSS - MORGAN STANLEY "MASTER'S CLUB" 2024
Click to Read MoreTHE HALE GROUP - FORBES "BEST-IN-STATE WEALTH MANAGEMENT TEAMS" 2023
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Click to Read MoreJON HALE - FORBES "TOP NEXT-GEN WEALTH ADVISORS BEST-IN-STATE" 2023
Source: Forbes.com (Awarded Aug 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/22–3/31/23.
Click to Read MoreTODD NUSS - MORGAN STANLEY "MASTER'S CLUB" 2023
Click to Read MoreJON HALE - MORGAN STANLEY "MASTER'S CLUB" 2023
Click to Read MoreJON HALE - FORBES "BEST-IN-STATE WEALTH ADVISORS" 2022
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Click to Read MoreHelping You Stay Focused on Your Financial Goals
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term results. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
We have assembled the following research reports, articles, and podcasts about many of the concepts that support our wealth management philosophy and investment strategies. We’ve provided easy links to these materials and hope you will return often to learn more about topics impacting your wealth.
We have assembled the following research reports, articles, and podcasts about many of the concepts that support our wealth management philosophy and investment strategies. We’ve provided easy links to these materials and hope you will return often to learn more about topics impacting your wealth.
2025 Key Financial Data
Finances at a glance - this handy reference sheet includes nearly all key items that affect your personal finances such as the 2024 Tax Rate Schedule, Standard Deductions & Child Tax Credit, Income brackets, Gift & Estate Exclusion and Credits, and more.
2025 Key Financial Data2024 Key Financial Data
Finances at a glance - this handy reference sheet includes nearly all key items that affect your personal finances such as the 2024 Tax Rate Schedule, Standard Deductions & Child Tax Credit, Income brackets, Gift & Estate Exclusion and Credits, and more.
2024 Key Financial DataLAL for Personal Liquidity
Investors may be worried about current cash flow. Whether you’re covering expenses or seizing opportunities, Liquidity Access Line is there when you need it. It’s a flexible line of credit that’s based on the value of the securities in your brokerage account, exclusively for Morgan Stanley clients.
Liquidity Access LineTax Benefits of Donor Advised Funds
Donor advised funds like MS GIFT offer individuals and corporations a unique opportunity to establish a long-term charitable giving strategy while enjoying significant federal income tax benefits for their charitable gifts.
MS Gift Income Tax BenefitsKeeping Market Volatility in Perspective
The coronavirus pandemic has brought fear, uncertainty and a dramatic increase in market volatility. In times like these, it’s important to stay calm and focused on your long-term financial goals.
Keeping Market Volatility in PerspectiveFinancial Literacy
Raising the next generation of children to be financially literate means equipping them with the knowledge they’ll need to make smart financial choices throughout their lives.
Making Financial Literacy a Family AffairThoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Thoughts On The Market PodcastCharitable Giving
If you’re inclined to help others, consider these tax-efficient ways to make your giving go further.
Tax-Savvy Ways to GiveCommunity Involvement
A Special Wish Foundation, INC.
The Dayton Foundation
Ronald McDonald House, Dayton
United Rehabilitation Services of Greater Dayton
Dayton Children's
Dayton Performing Arts Alliance
March of Dimes
The Dayton Art Institute
Rotary Club of Dayton
Location
4380 Buckeye Lane
Suite 200
Beavercreek, OH 45440
US
Direct:
(937) 223-4060(937) 223-4060
Toll-Free:
(888) 251-2124(888) 251-2124
Meet The Hale Group
Todd Nuss, CFP®, CIMA®, CPWA®, CRPS®
Executive Director, Wealth Management, Financial Advisor
Phone:
(937) 223-4038(937) 223-4038
Jorden Rhodes
Consulting Group Analyst
Phone:
(937) 431-7808(937) 431-7808
Shannon Carlson
Business Development Associate
Phone:
(937) 223-4158(937) 223-4158
Tammy Kinstle
Wealth Management Associate
Phone:
(937) 223-4132(937) 223-4132
Hannah Manning
Registered Associate
Phone:
(937) 431-7817(937) 431-7817
About Jonathan Hale
Jon Hale is a Financial Advisor with The Hale Group at Morgan Stanley. Jon focuses on providing comprehensive wealth management for individuals, families, businesses, nonprofits, and endowments.
Jon has been named to the Forbes List of “Americas Top Next Generation Wealth Advisors” every year since 2016. He has also been named to the Dayton Business Journals 2019 Class of Forty Under 40 which recognizes business and community leaders. A graduate of the University of Cincinnati, Jon joined The Hale Group in 2010. He subsequently spent two years with Morgan Stanley’s Consulting Group, an Investment Management Research team responsible for evaluating investment products and money managers. Jon brought his investment experience back to The Hale Group in 2014.
With extensive investment experience and a client-centered approach, Jon works closely with each of his clients to analyze their objectives, create a customized wealth management strategy, and monitor portfolio performance. As an Investing with Impact Director, Jon utilizes his skills in sustainable investing and ESG to help endowments and nonprofit organizations maximize their impact by aligning their investment strategies with their mission statements.
Outside of the office, Jon serves on the Executive board for Dayton Live, the Kettering Health Foundation board, and the Dayton Foundation's Development Committee.
Jon has been named to the Forbes List of “Americas Top Next Generation Wealth Advisors” every year since 2016. He has also been named to the Dayton Business Journals 2019 Class of Forty Under 40 which recognizes business and community leaders. A graduate of the University of Cincinnati, Jon joined The Hale Group in 2010. He subsequently spent two years with Morgan Stanley’s Consulting Group, an Investment Management Research team responsible for evaluating investment products and money managers. Jon brought his investment experience back to The Hale Group in 2014.
With extensive investment experience and a client-centered approach, Jon works closely with each of his clients to analyze their objectives, create a customized wealth management strategy, and monitor portfolio performance. As an Investing with Impact Director, Jon utilizes his skills in sustainable investing and ESG to help endowments and nonprofit organizations maximize their impact by aligning their investment strategies with their mission statements.
Outside of the office, Jon serves on the Executive board for Dayton Live, the Kettering Health Foundation board, and the Dayton Foundation's Development Committee.
Securities Agent: MN, KY, VA, MD, ID, GA, OH, CO, AZ, AR, CT, VT, TN, OR, NC, IN, IA, WA, TX, NY, NJ, MI, IL, FL, CA, MT, AL, MA, PA, DE, DC, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1539466
NMLS#: 1539466
About Todd Nuss
Todd Nuss is a Financial Advisor at the Hale Group at Morgan Stanley. With a meticulous attention to detail, he focuses on analytical work for the team, tailoring asset allocation and financial planning strategies to help meet each client’s unique needs. Todd also oversees the Consulting Group technology center at the Hale Group.
A graduate of Wright State University, Todd earned a bachelor’s degree in Finance. Prior to joining Morgan Stanley, he worked as a 401(k) Administrator and Senior Accountant for a local private firm. He was also a tax preparer for more than 10 years. He does not perform this function at Morgan Stanley.
In order to better serve clients, Todd has earned the Certified Financial Planner™ and Chartered Retirement Plans SpecialistSM designations. He also holds a Certified Investment Management Analyst® designation from the Wharton School at the University of Pennsylvania and the Certified Private Wealth Advisor® designation from the Booth School at the University of Chicago.
NMLS# 1707727
A graduate of Wright State University, Todd earned a bachelor’s degree in Finance. Prior to joining Morgan Stanley, he worked as a 401(k) Administrator and Senior Accountant for a local private firm. He was also a tax preparer for more than 10 years. He does not perform this function at Morgan Stanley.
In order to better serve clients, Todd has earned the Certified Financial Planner™ and Chartered Retirement Plans SpecialistSM designations. He also holds a Certified Investment Management Analyst® designation from the Wharton School at the University of Pennsylvania and the Certified Private Wealth Advisor® designation from the Booth School at the University of Chicago.
NMLS# 1707727
Securities Agent: GA, CA, WA, MT, MI, IN, AR, OR, DE, DC, NJ, IL, AL, MN, VA, OH, MD, AZ, NC, MA, CT, TX, KY, PA, VT, NY, ID, IA, FL, CO, TN, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1707727
NMLS#: 1707727
About Jorden Rhodes
With over a decade of experience in financial services and wealth management, Jorden joins The Hale Group at Morgan Stanley as a Consulting Group Analyst. A graduate of the University of Cincinnati with a bachelor’s degree in business administration and finance, Jorden brings an expertise in portfolio management, retirement planning, and wealth preservation strategies developed during his tenure as a Financial Solutions Advisor at Merrill Lynch. In his role with the Hale Group, Jorden will spearhead the teams research initiatives, focusing on money manager research and portfolio optimization. Beyond the world of Finance, Jorden enjoys spending time and traveling with his wife Rebecca and her two kids (Samuel and Clara), playing golf, hiking, and connecting with fellow car enthusiasts at Cars & Coffee events.
About Shannon Carlson
Shannon brings 31 years of experience in the financial services industry to the Hale Group. She is the key liaison between our client needs and the team, while handling the overall day-to-day operations. Shannon places her main focus on developing relationships. Our clients feel Shannon is positive, understanding, and always concerned with their thoughts and feelings. She possesses a high service ethic toward helping others, and exhibits a balance between enthusiasm and patience, which are key personal attributes. Her creative problem solving, concern for quality and true sincerity helps to build confidence when communicating with clients. An important aspect of Shannon’s life is spending time with Brian, her husband of 33 years, and their two beautiful daughters, Megan and Anna and her new son in law Justin.
About Tammy Kinstle
Tammy is a Wealth Management Associate and has enjoyed working in the financial industry since 1995. Before joining the Hale Group, Tammy managed compliance and operational services for another local financial firm. Her primary role with our team is to manage our client service model, focusing on administration, compliance and strengthening client relationships. Personally, Tammy grew up in Hodgenville, KY and currently lives in Troy, OH.
About Hannah Manning
Hannah has been with Morgan Stanley since 2019. She began working as an associate on the Asset Movement Team within the firm’s internal operations in Columbus. During that time, she gained her FINRA Series 7 and 66 licenses which led her to move into her current role with the Hale Group as a Registered Associate in July 2021. Prior to joining Morgan Stanley, Hannah completed her undergraduate degree in Finance at the Ohio State University and subsequently went on to receive her MBA at the University of Dayton. While Columbus became her second home over the years, Hannah is originally from Dayton and is happy to to be near more of her family. She and her husband Jack live in Centerville and welcomed a baby boy into their family in March 2024.
Contact Jonathan Hale
Contact Todd Nuss
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2023, 2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023, 2025). 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 Best-In-State Wealth Advisors
2024-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2024-2025). 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
From Our Team
The Hale Group - Forbes Best-In-State Wealth Management Teams 2025
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
Small Business Retirement Plans
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Ready to start a conversation? Contact The Hale Group today.
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.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
5Morgan 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.
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.
6Morgan 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
5Morgan 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.
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.
6Morgan 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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)
