Senior Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist, Portfolio Manager
Phone:
(203) 786-2190(203) 786-2190
The Harbor Pilot Group at Morgan Stanley
Direct:
(203) 786-2164(203) 786-2164
Our Mission Statement
Comprehensive wealth planning strategies for your life and legacy
About The Harbor Pilot Group at Morgan Stanley
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth, while providing you access to some of the world's most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Suite of Digital Tools
Digital technology is centered on how people communicate, consume, transact and travel. Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:
- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds
Learn More- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Learn MoreThe ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Portfolio Risk Platform
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across your financial portfolios. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Manage Your Risk
Thoughts 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.
Latest Episode
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Learn More
eDelivery
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. Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
Learn MoreProtecting Your Online Security
Your security is our top priority. Morgan Stanley proactively defends our systems and monitors our digital landscapes to anticipate issues before they arise and respond appropriately when they do.
The firm is actively supporting multiple layers of security. Security includes the following; Strong encryption protocols designed to protect your data, continuous monitoring to help detect and prevent fraudulent activity in your accounts, routine testing of our systems to identify potential vulnerabilities, and independent reviews by outside security firms to penetration test our applications and evaluate our processes
The firm is actively supporting multiple layers of security. Security includes the following; Strong encryption protocols designed to protect your data, continuous monitoring to help detect and prevent fraudulent activity in your accounts, routine testing of our systems to identify potential vulnerabilities, and independent reviews by outside security firms to penetration test our applications and evaluate our processes
How to Protect Yourself
- Safeguard your Information
- Enhance your Security
- Report an Online Security Concern
Security Features and Proactive Defenses
- Multi-Factor Authentication (MFA)
- Alerts and Notifications
- Automatic Session Time Out
- VoiceID
- Fraud Detection and Prevention
- Digital Tools
- Cybersecurity Fusion Centers
- Threat Landscape Monitoring
- Employee Training and Testing
What's Happening With Our Team:
Preferred Savings
Take advantage of our Preferred Savings Program for Qualifying Cash offer with flexible options and more ways to save.
Contact Us to Learn More | Click Here for More DetailsOn the Markets
Check out the Global Investment Committee's market outlook for this month. A publication containing thought- provoking content that examines the forces shaping the investment landscape.
This Month's ArticleThe GIC Weekly
The GIC Weekly is composed of seasoned investment professionals who meet regularly to discuss the global economy and markets. The committee determines the investment outlook that guides our advice to clients.
Latest ArticleHelp Simplify Your Life through Financial Consolidation
Suffering from “account sprawl” because your various accounts are housed at many different financial institutions? New account options can help.
Your Guide to SimplifyRational Investing in an Age of Uncertainty
When it comes to investing, even the most savvy of us fall prey to bias and emotional trades. So what triggers should you watch for?
Read MoreA Structured Planning Process
At The Harbor Pilot Group, we are committed to helping our clients understand the new challenges they face and how to meet those challenges successfully.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing a suitable risk tolerance that will ultimately help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining all relevant financial information provides a holistic asset allocation analysis for all of your accounts ensuring a comprehensive financial plan.
Step 4: Action Items / Next Steps
After the financial plan presentation, we will follow up with you regarding our analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving and benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Location
545 Long Wharf Dr. 7th
Fl
New Haven, CT 06511
US
Direct:
(203) 786-2164(203) 786-2164
Meet The Harbor Pilot Group
Phone:
(203) 786-2164(203) 786-2164
Anthony C Passarello
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(203) 786-2106(203) 786-2106
Joey Hudson
Financial Advisor
Phone:
(203) 786-2123(203) 786-2123
Megan Kelly
Client Service Associate
Phone:
(203) 786-2108(203) 786-2108
About Frederick W Booth
After graduating from Choate Rosemary Hall and Wake Forest University, Rick worked for a short time in his family’s business. In 1999, he decided to follow his dream of working on Wall Street. After beginning his career in 1999 at Prudential Securities in New York City, Rick joined Morgan Stanley (from its predecessor firm, Smith Barney) in 2003. Over his career, he has attained the title Senior Vice President – Wealth Management. Rick focuses on the needs of business owners, executives, and divorcees. The Booth family (wife, Kristin and children, Connor, Kellen, and Alexis) resides in his hometown of Wallingford, Connecticut. In his spare time, Rick enjoys playing golf, weightlifting, and rooting for Boston sports teams. He also proudly supports numerous charities including St. Jude’s Children’s Hospital and Smile Train. The Booth family also sponsors three children through Compassion International.
Securities Agent: DE, CA, AL, RI, OR, WA, VI, TX, OK, MD, LA, VT, PA, IL, HI, NH, MT, KY, FL, AZ, SC, OH, NC, MA, PR, MI, ME, CO, NJ, IN, ID, WV, MO, GA, DC, CT, WI, VA, UT, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1293904
NMLS#: 1293904
About Ernest J Asprelli
Using the first $100 Ernie earned delivering newspapers he bought shares of stock. Following in his father’s footsteps and after careers as a mechanical engineer and an attorney at law (not-practicing at Morgan Stanley) he joined his father Ernie Asprelli Sr. in serving clients as a financial advisor in 1996.
Combining his professional experiences he establishes sound financial plans incorporating investment management, estate planning strategies, liability management and risk mitigation techniques to help insure clients financial success. Ernie’s active holistic approach helps solve simple and complex transgenerational, wealth management challenges. He offers discretionary portfolio management as well as hedging, diversification and income producing strategies. He is experienced in providing advice on concentrated securities positions.
Ernie earned a Bachelor of Science Degree with honors in Mechanical Engineering from Worcester Polytechnic Institute in 1986. After working as a mechanical engineer for several years he attended the Suffolk University Law School and received the degree of Juris Doctor Cum Laude in 1993. He practiced law for several years before joining his father as a financial advisor.
Ernie is a founding member of the Harbor Pilot Group at Morgan Stanley. He lives in Woodbridge, CT with his wife Carol, two daughters and the family dogs. A Past President and active member of the Amity Club he provides assistance in promoting New Haven community centered charitable activities.
Disclaimer:
Diversification does not guarantee a profit or protect against a loss.
Combining his professional experiences he establishes sound financial plans incorporating investment management, estate planning strategies, liability management and risk mitigation techniques to help insure clients financial success. Ernie’s active holistic approach helps solve simple and complex transgenerational, wealth management challenges. He offers discretionary portfolio management as well as hedging, diversification and income producing strategies. He is experienced in providing advice on concentrated securities positions.
Ernie earned a Bachelor of Science Degree with honors in Mechanical Engineering from Worcester Polytechnic Institute in 1986. After working as a mechanical engineer for several years he attended the Suffolk University Law School and received the degree of Juris Doctor Cum Laude in 1993. He practiced law for several years before joining his father as a financial advisor.
Ernie is a founding member of the Harbor Pilot Group at Morgan Stanley. He lives in Woodbridge, CT with his wife Carol, two daughters and the family dogs. A Past President and active member of the Amity Club he provides assistance in promoting New Haven community centered charitable activities.
Disclaimer:
Diversification does not guarantee a profit or protect against a loss.
Securities Agent: MI, CA, WA, TX, LA, PA, MA, PR, OR, IN, IL, AZ, ME, FL, WV, VT, NY, NH, KY, ID, DC, CT, OK, OH, NJ, MD, HI, NC, MO, DE, AL, WI, VA, SC, RI, NM, MT, GA, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1278924
NMLS#: 1278924
About Anthony C Passarello
As Senior vice President with over 46 years of experience in the financial services industry, Tony has been assisting generations of clients in creating and preserving wealth. Tony’s knowledge and experience in developing comprehensive investment plans dovetails with estate planning strategies and liability management allowing his clients and their families to continue to potentially grow and preserve their wealth.
Managing generational wealth is extremely complex and striving to be their trusted advisor, clients count on Tony’s breadth of knowledge and experience to ballast their finances in both calm and rough markets.
Born and raised in New Haven, Tony married the love of his life Aleksandra Maria in 1966, just before he left for Vietnam. Tony served his country from 1966-1968. After returning from Vietnam, Tony started working in financial services with one of Morgan Stanley’s predecessor firms.
Tony’s Veteran Status and the GI Bill allowed him to earn a Bachelor of Science from the University of New Haven. Tony enjoys spending time with his children, Anthony, Sandra and Katreena as well as his grandchildren, Alexander, Sebastian and Gabrielle. In addition, his great grandson James Anthony brings endless joy to his family. He enjoys golfing and is a life member of The Amity Club of New Haven.
Managing generational wealth is extremely complex and striving to be their trusted advisor, clients count on Tony’s breadth of knowledge and experience to ballast their finances in both calm and rough markets.
Born and raised in New Haven, Tony married the love of his life Aleksandra Maria in 1966, just before he left for Vietnam. Tony served his country from 1966-1968. After returning from Vietnam, Tony started working in financial services with one of Morgan Stanley’s predecessor firms.
Tony’s Veteran Status and the GI Bill allowed him to earn a Bachelor of Science from the University of New Haven. Tony enjoys spending time with his children, Anthony, Sandra and Katreena as well as his grandchildren, Alexander, Sebastian and Gabrielle. In addition, his great grandson James Anthony brings endless joy to his family. He enjoys golfing and is a life member of The Amity Club of New Haven.
Securities Agent: NH, NC, CT, AZ, RI, MO, MI, IN, ID, FL, OR, GA, DE, WA, VI, VA, SC, PA, NJ, MD, CA, VT, PR, MA, WI, LA, HI, AK, NV, MT, ME, TX, OH, DC, AL, CO, WV, NY, KY, OK; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 178816
NMLS#: 178816
About Joey Hudson
As a Financial Advisor for the Harbor Pilot Group, I'm here to help. I've spent over 10 years of my professional career in client services and while most of that time hasn't been in finance, it has always been with a passion to help find solutions to problems big and small. Regardless of who you are or why you've come to us, you deserve to be greeted with enthusiasm, treated with respect, and listened to with empathy. Above all else, those are the goals I strive for with each and every client I work with.
Before I joined the Harbor Pilot Group in the summer of 2021 I was working in the tech sector, helping movie theater owners build websites and working with big data. While it may seem a stark departure from my degree in Financial Accounting, the background has been invaluable to my role and has better enabled me to help clients of all ages and experiences esign documents, check their financial picture online, or send money where it needs to go. No matter your walk of life, I'm eager to show you that you're capable of using the technology available to help you achieve your goals.
I count myself extremely fortunate to be in a position to learn from the team's combined decades of experience When I'm not working, chances are I'm trying to get my two fat cats to lose weight, teaching myself Python, or if the weather's nice I have likely gotten myself very lost while hiking.
Whether you're looking to move mountains or just move a little bit of money, I look forward to speaking with you!
Before I joined the Harbor Pilot Group in the summer of 2021 I was working in the tech sector, helping movie theater owners build websites and working with big data. While it may seem a stark departure from my degree in Financial Accounting, the background has been invaluable to my role and has better enabled me to help clients of all ages and experiences esign documents, check their financial picture online, or send money where it needs to go. No matter your walk of life, I'm eager to show you that you're capable of using the technology available to help you achieve your goals.
I count myself extremely fortunate to be in a position to learn from the team's combined decades of experience When I'm not working, chances are I'm trying to get my two fat cats to lose weight, teaching myself Python, or if the weather's nice I have likely gotten myself very lost while hiking.
Whether you're looking to move mountains or just move a little bit of money, I look forward to speaking with you!
Securities Agent: NM, CT, NC, FL, WA, NH, MO, WI, KY, AZ, ID, UT, TX, OK, IN, IL, HI, GA, DC, CO, VI, PA, NJ, ME, DE, VA, PR, AK, RI, MT, MA, LA, CA, MI, NY, NV, WV, MD, AL, VT, SC, OR, OH; General Securities Representative; Investment Advisor Representative
About Megan Kelly
Megan Kelly is a Client Service Associate with the Harbor Pilot Group at Morgan Stanley. She joined the firm in December 2025 and supports the team in delivering a high-quality client experience through day-to-day service and operational support.
Originally from the Bronx, New York, Megan later moved to Connecticut to attend Albertus Magnus College in New Haven, where she earned a Bachelor of Science in Business Management in 2017. After graduation, she accepted a Student Union Graduate Assistant role at Sacred Heart University, supervising student employees while completing graduate coursework in the evenings. In 2019, she received her Master of Science in Digital Marketing.
Prior to joining Morgan Stanley, Megan spent five years at a small firm in Wallingford under broker-dealer LPL Financial, where she built a strong foundation in financial services and earned her SIE and Series 7 licenses.
Megan lives in Wallingford, Connecticut with her husband, Justin. Outside of work, Megan values time with her family and an active social life. She enjoys playing softball with her husband and friends, and she loves getting out on new adventures—whether that means a weekend trip, exploring a new place close to home, or embracing spontaneous adventures wherever life takes them.
Originally from the Bronx, New York, Megan later moved to Connecticut to attend Albertus Magnus College in New Haven, where she earned a Bachelor of Science in Business Management in 2017. After graduation, she accepted a Student Union Graduate Assistant role at Sacred Heart University, supervising student employees while completing graduate coursework in the evenings. In 2019, she received her Master of Science in Digital Marketing.
Prior to joining Morgan Stanley, Megan spent five years at a small firm in Wallingford under broker-dealer LPL Financial, where she built a strong foundation in financial services and earned her SIE and Series 7 licenses.
Megan lives in Wallingford, Connecticut with her husband, Justin. Outside of work, Megan values time with her family and an active social life. She enjoys playing softball with her husband and friends, and she loves getting out on new adventures—whether that means a weekend trip, exploring a new place close to home, or embracing spontaneous adventures wherever life takes them.
Contact Frederick W Booth
Contact Ernest J Asprelli
Contact Anthony C Passarello
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
Nikola Delic
Planning Associate
About Nikola Delic
Nikola Delic 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 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. Niko 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 Florida College and received the Financial Planning Specialist® designation from the College for Financial Planning. Niko is originally from Podgorica, Montenegro and currently resides in Alpharetta, GA.
He earned his undergraduate degree from Florida College and received the Financial Planning Specialist® designation from the College for Financial Planning. Niko is originally from Podgorica, Montenegro and currently resides in Alpharetta, GA.
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.
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.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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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
Ready to start a conversation? Contact The Harbor Pilot Group today.
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.
2Morgan 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.
3Morgan 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.
4Morgan 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.
5When 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.
6Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
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For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Morgan 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.
5When 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.
6Morgan 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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
