About Us

The HBC Group is a wealth management team focusing on wealth accumulation, retirement income distribution, legacy planning and wealth transfer strategies. We offer clients our broad experience, deep resources and objective advice to help solve complex financial problems by operating on the principle that wealth management has three components:

1) Investment Management
2) Advanced Planning
3) Relationship Management

Our holistic wealth management consultative process incorporates these three components in a number of steps. We work together to thoroughly understand our clients’ financial needs and then align the resources to help meet or exceed them. We evaluate near-term concerns and plan for long-term goals, act as a sounding board for investment ideas and develop and execute a strategy that is customized to help each client meet their needs.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Our Advanced Credentials & Recognitions

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    2025 & 2024 Forbes Best-In-State Wealth Management Teams
    Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23–3/31/24.
    Recognition Link
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    2024 Money's 80 Best Financial Planners
    Source: Money.com (Awarded Sept 2024) Data compiled by Money and the Financial Planning Association (FPA) based on time period from July 2023 – July 2024.
    Click here to view the full list
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    Jason Haberman Forbes Best-in-State Wealth Advisors 2024 & 2023
    New York - NY State (High Net Worth)
    Source: Forbes.com (Awarded Apr 2023 & April 2024) Data compiled by Shook Research LLC based on time period from 6/30/21 - 6/30/22 & 6/30/22 - 6/30/23
    Recognition Link
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    Robert Brevetti Forbes Best-in-State Wealth Advisors 2024 & 2023
    New York - NY State (High Net Worth)
    Source:Forbes.com (Awarded Apr 2023 & April 2024) Data compiled by Shook Research LLC based on time period from 6/30/21 - 6/30/22 & 6/30/22 - 6/30/23
    Recognition Link
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    CFP®
    A CERTIFIED FINANCIAL PLANNER™ has in-depth knowledge of the financial planning process, tax planning, employee benefits and retirement planning, estate planning, investment management, and insurance. William Collins holds this designation.
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    CIMA®
    The Certified Investment Management Analyst® (CIMA®) certification is designed specifically for financial professionals who serve as advanced investment consultants to high net worth families and institutional investors. The designation has been attained by Jason Haberman through the University of Pennsylvania's Wharton School of Business.
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    CPM®
    The Certified Portfolio Manager (CPM®) denotes advanced knowledge in three vital areas: valuation analysis, portfolio construction and risk management. Certified Portfolio Managers have earned a deeper understanding of fundamental security analysis, asset allocation, and portfolio management concepts pertaining to managing discretionary portfolios. This designation received by Robert Brevetti and William Collins through Columbia University.
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    CRPC®
    Individuals who hold the Chartered Retirement Planning Counselor (CRPC®) designation have completed a course of study encompassing pre- and post-retirement needs, asset management, estate planning and the entire retirement planning process using models and techniques from real client situations. Designation received by William Collins and Kieran Morris.
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    Senior Portfolio Management Director
    This designation is given to a select group of Morgan Stanley financial advisors. It allows them to offer portfolio management services directly to their clients, rather than delegating that responsibility to third-party portfolio managers. Jason Haberman and Robert Brevetti have been awarded these titles.
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    Family Wealth Director
    Designated Family Wealth Directors (FWD) must demonstrate professional knowledge and experience in a range of specialties including estate planning, alternative investments, control and restricted securities, lending, hedging and monetization, and business succession planning. The FWD designation also entitles our team to specialized access to a variety of family advisory services including, family governance and dynamics, philanthropy management and lifestyle advisory. These resources build a truly differentiated experience for our clients, one that is competitive with a multi-family-office service platform. Jason Haberman and Robert Brevetti have been awarded these titles.
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    Global Sports & Entertainment Director
    Morgan Stanley's Global Sports & Entertainment is a highly specialized wealth management division, dedicated to serving the unique and complex needs of athletes, entertainers, creators and top professionals in the sports and entertainment industry. Jason Haberman holds the Global Sports & Entertainment Director position and can help you navigate these complex situations.
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    Alternative Investments Director
    An Alternative Investments Director is responsible for managing and overseeing the alternative investments portfolio of a financial institution or investment firm. They strategize, analyze, and monitor various alternative assets such as private equity, hedge funds, real estate, and commodities, aiming to diversify and enhance the overall investment portfolio. Jason Haberman, Robert Brevetti and Joseph Stewart have been awarded these titles.
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    Step 1: Discovery Meeting

    Learning about you and your family; your assets, liabilities and risk exposures, enables us to formulate strategies and customize the relationship to your needs and goals.

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    Step 2: Investment Plan Meeting

    Presentation of your customized asset allocation reflecting risk, opportunities and taxation across multiple entities.

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    Step 3: Mutual Commitment Meeting

    Reaffirm our shared commitment to working together and outline of next steps to formally engage.

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    Step 4: Tailoring Your Experience

    Our service team will provide a variety of choices to tailor your experience with our team and the Firm, while the Financial Advisors implement your customized wealth strategy.

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    Step 5: Regular Progress Meetings

    Ongoing reviews and reporting to ensure your strategy adapts to changing family and financial needs.

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    Get a Head Start

    Check out the attached form to help you get in the right mindset for a goals based discussion. This form will help define and prioritize your goals as well as help identify your financial resources.

    LifeView Profile Form
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    On the Markets Report

    Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.

    Read the latest report
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    2024 Federal Tax Tables

    Here are the federal tax tables for 2024 to assist with your investment decisions.

    2024 Tax Tables
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    2025 Federal Tax Tables

    Here are the federal tax tables for 2025 to assist with your investment decisions.

    2025 Tax Tables
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    GIC Weekly Research Report

    The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.

    Read the latest report
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    Financial Planning

    Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that's adaptable to the different stages of your life using our award winning tools\- Goals Planning System (GPS) and LifeView.

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    Direct Indexing

    Learn how Direct Indexing can help you realize losses and mitigate your capital gains tax, while still participating in the market. Watch this informative video to learn more about Direct Indexing and discover all the possible advantages of this powerful strategy, including diversification and customization.

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    Alternative Investments

    Alternative investments can offer compelling opportunities to help grow and protect your wealth through the potential for reduced volatility, enhanced returns, income generation, and tax efficiency.

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    Total Tax 365

    Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax\-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after\-tax return potential and help keep more of what you earn.

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    Exchange Funds

    While simply selling securities may lead to unwanted tax consequences, our Total Tax 365 approach includes solutions that would help diversify your portfolio without triggering a taxable event. Click below to learn how exchange funds can provide qualified investors with both diversification and potential tax\-deferred growth.

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    Morgan Stanley Private Markets

    Many of today's companies stay private longer, with more of their valuation being created before they become publicly traded. Morgan Stanley Private Markets connects a broad network of potential private investors in an accessible ecosystem, allowing eligible clients to buy and sell securities of private companies.

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    Morgan Stanley Online

    Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.

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    A $695 Annual Engagement Bonus

    For eligible Platinum CashPlus brokerage account clients with The Platinum Card® from American Express, exclusively for Morgan Stanley. Certain Morgan Stanley Debit Cardholders may also qualify. Terms apply.

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    Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient \& secure.

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    Digital Vault

    Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.

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    Alternative Investments

    Our leading alternatives platform offers 160+ third\-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals\-based approach for asset allocation.

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    Portfolio Risk Platform

    Our Portfolio Risk Platform, backed by institutional\-caliber analytics, assesses thousands of risk factors using a holdings\-based approach to assess a portfolio's exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.

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    Security Center

    Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.

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    529 Education Savings Plans

    529 plans offer a flexible, tax\-advantaged way to invest for education expenses while helping to improve estate planning. Gain fiduciary oversight of your education funding strategy within the context of your broader portfolio through the exclusive Morgan Stanley National Advisory 529 Plan.

    529 Plan Options at Morgan Stanley

Family Wealth Discussion

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Location

2000 Westchester Ave 1nc
Purchase, NY 10577
US
Direct:
(914) 225-9993(914) 225-9993
Toll-Free:
(800) 827-1512(800) 827-1512

Meet The HBC Group

Photo of Kimberley Gato

Kimberley Gato

Group Director, Wealth Management Associate, Vice President
Phone:
(914) 225-9993(914) 225-9993
Photo of David Elias

David Elias

Consulting Group Analyst
Phone:
(914) 225-9995(914) 225-9995
Photo of Ashley Aurigemma

Ashley Aurigemma

Business Development Director
Phone:
(914) 225-9981(914) 225-9981
Photo of Matthew Clemente

Matthew Clemente

Portfolio Associate
Phone:
(914) 225-9994(914) 225-9994

About Jason Haberman

Jason entered the industry in 1993 and is a founding partner of The HBC Group. His career includes many notable achievements, but it's his relationships with clients, many spanning decades and across generations, that he values above all else.

As a member of the team's investment committee, Jason is well versed in all aspects of asset allocation and portfolio management. He focuses on tax-mitigation strategies, with the aim of maximizing after-tax return for clients. Jason also takes a keen interest in the research and sourcing of alternative investments, identifying compelling risk/reward profiles for clients of the team.

Jason is an advocate for continued education. He holds a Bachelor of Business Administration from George Washington University, where he studied International Business and Finance. He also earned the Certified Investment Management Analyst (CIMA®) Designation from the University of Pennsylvania's Warton School of Business. Over the course of his tenure at Morgan Stanley, Jason has continued to hone his skill set with a variety of designations: Family Wealth Director, Alternative Investments Director, Senior Portfolio Management Director and Global Sports & Entertainment Director. He is also a member of the Investment Management Consultants Association.

His Charitable support is focused on the areas of education and healthcare. Jason is an active contributor to several organizations focused on under-resourced New York City high schools and at-risk students. These include City Year New York, where Jason has served as a board member, Chappaqua Summer Scholarship Program & PENCIL. He also supports causes related to Alzheimer's and Breast Cancer.

Jason is a live music enthusiast and member of a local band. He enjoys an active lifestyle, playing golf and tennis at Whippoorwill Club, among other locations.

Jason and his family reside in Chappaqua, NY, where he is an active member of the community.


Forbes America's Top Wealth Advisors
Source: Forbes.com (Awarded Aug 2021) Data compiled by SHOOK Research LLC based on time period from 3/31/20 - 3/31/21.

Forbes Best-in-State Wealth Advisors 2023
New York - NY State (High Net Worth)
Source: Forbes.com (Awarded Apr 2023) Data compiled by Shook Research LLC based on time period from 6/30/21 - 6/30/22.

Five Star Wealth Advisor Award
This award was issued in 2014. The award was determined based on an evaluation process conducted by Five Star Professional based on objective criteria from 2014 Award - 12/7/2013 through 05/11/2014.

2019 Financial Times 400 Top Financial Advisors
Source: ft.com. Data compiled by the Financial Times based the following time period: Awarded 2019; data 6/30/15 - 6/30/18

Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure.html
Learn more about my specialty in Equity Compensation
Securities Agent: IA, DE, WA, OR, MO, GA, CA, WI, OH, CO, IL, FL, VA, NV, NJ, ME, PA, AZ, TX, SC, DC, CT, NY, NH, MD, AL, VT, OK, NC, MA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278888

About Robert Brevetti

- Founding partner of the HBC Group
- Over 28 years of investment experience
- Top Wealth Advisors of NY - Forbes
- Member of the Academy of Certified Portfolio Managers
- Enjoys cooking, traveling and watching his sons play basketball, football and other sports
- Resides in Westchester with his wife and their two boys


Forbes Best-in-State Wealth Advisors 2023
NEW YORK - NY State (High Net Worth)
Source: Forbes.com (Awarded Apr 2023) data compiled by shook research LLC based on time period from 6/30/21 - 6/30/22.

Five Star Wealth Advisor Award
This award was issued in 2014. The award was determined based on an evaluation process conducted by Five Star Professional based on objective criteria from 2014 Award - 12/7/2013 through 05/11/2014.

Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure.html
Learn more about my specialty in Equity Compensation
Securities Agent: ME, CO, WI, NV, DC, MA, RI, VA, TX, IA, CA, VT, NC, MD, DE, CT, AL, WA, OK, IL, AZ, TN, NJ, MO, PA, NH, GA, FL, OH, SC, OR, NY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278628

About William Collins

William entered the industry in 2002, joining the team founded by Jason Haberman and Robert Brevetti in the mid 1990's. He became a partner of the HBC Group in 2008. His journey has been marked by numerous milestones, showcasing both his dedication to clients, and commitment to advancing the fields of financial planning and portfolio management.

William received his BBA degree in Finance & Investments from Baruch College. A believer in continuing education and advancement, William has earned the professional designations of Certified Financial Planner practitioner (CFP®), Chartered Retirement Planning Counselor (CRPC®) and Certified Portfolio Manager (CPM®). In his time at Morgan Stanley, he has also been recognized as a Financial Planning Specialist.

In the realm of financial planning, William has helped many of the team’s clients to identify goals, develop a roadmap, and then work collaboratively to implement their plans and track progress. His work has been published in the Journal of Financial Planning, and he is an active member of the Financial Planning Association. William also periodically volunteers as a subject matter expert for the CFP Board, where he helps to develop and review test questions for the CFP exam.

Investing is also a passion for William. He has lectured on portfolio construction and client engagement at Columbia University. William is a member of the Academy of Certified Portfolio Managers, having previously served as board member and Vice President. William works closely with clients regarding their portfolios, and plays an integral role on the team’s investment committee.

Outside of the office, William is an enthusiast of physical challenges. He enjoys running marathons and competing in triathlons ranging from sprint races to Ironman events.

William’s foundation is his family. He resides in Dix Hills, NY with his wife and their three daughters.

About Joseph B. Stewart

• Joined the HBC Group in 2015
• Former Vice President and Senior Equity Analyst at Goldman
Sachs, where he led the U.S. Oil & Gas SMID E&P team,
launched coverage of 20 stocks, authored and co-authored
sector-specific and macro reports, and provided company-
specific analysis and investment advice to institutional
investors
• Served as leader of prison outreach at NCS Manhattan and
Church of the City - NY
• Resides in Manhattan with his wife and son
Securities Agent: WI, VT, TX, WA, SC, PA, OR, VA, OH, NY, OK, NV, MO, IL, IA, NJ, AZ, CA, CO, DE, CT, NH, DC, AL, ME, TN, MA, GA, NC, MD, FL; General Securities Representative; Investment Advisor Representative

About Kieran Morris

Kieran P. Morris, a Financial Advisor, began his career at Morgan Stanley in 2016. With a dedication to both professional excellence and social responsibility, Kieran's journey is characterized by a commitment to his clients' financial well-being and to making a positive impact in his community.

Kieran's expertise in financial planning is highlighted by his achievement of the Chartered Retirement Planning Counselor (CRPC®) designation. This speaks to his dedication to understanding the complexities of retirement planning and ensuring his clients navigate this crucial phase of their lives with confidence.

During his academic pursuits, Kieran gained invaluable real-world experience through internships at Global Atlantic Financial Group and the hedge fund Locust Wood Capital. These experiences not only enriched his understanding of the financial landscape but also shaped his practical approach to financial advisory.
Graduating Cum Laude with a major in Economics from Connecticut College, he honed his analytical skills and developed a deep understanding of economic principles. His educational foundation was laid at Avon Old Farms, where he cultivated the values that would guide his professional and personal life.
Beyond his financial expertise, Kieran's dedication to community service shines brightly.
He serves on the Board for Tuesday’s Children, an organization providing support to those affected by terrorism and traumatic loss. This role reflects his compassionate nature and his commitment to giving back to society.

Additionally, Kieran sits on the National Council of the Conn College Athletics Club. This highlights his dedication to his alma mater and his desire to contribute to the enhancement of the college experience for current and future student-athletes.

Kieran and his wife, Jacklyn, have chosen to reside in Bronxville, NY, a community that mirrors their values and complements their vibrant lifestyle.

Kieran P. Morris's story is one of purposeful financial guidance and impactful community involvement. As a Financial Advisor at the HBC Group, his commitment to client well-being extends beyond financial matters, embodying a holistic approach that enriches the lives of those he serves and the communities he supports.
Securities Agent: FL, VA, NY, CO, CA, OR, CT, OK, NH, IA, GA, DE, AL, TN, OH, NJ, ME, DC, AZ, WI, VT, NV, NC, MO, MD, MA, WA, SC, TX, PA, IL; General Securities Representative; Investment Advisor Representative

About Kimberley Gato

Kimberley Gato, a dedicated member of the HBC Group since 2005, brings a wealth of operational expertise and a commitment to unparalleled client service. Her journey in the financial industry, combined with her passions and community involvement, paints a portrait of a well-rounded professional.
With a solid foundation in operations, Kimberley's journey began as an Operations Manager at UBS Financial Services before joining the HBC Group. Her experience has been instrumental in shaping her role within the group, allowing her to seamlessly bridge the gap between client service and administrative departments. This unique blend of skills enables her to facilitate exceptional client experiences, covering various aspects including trading and offering a concierge-level of service that goes beyond expectations.

Kimberley's academic pursuits led her to earn a Bachelor of Science degree from Montclair State University, laying the groundwork for her accomplishments in the financial realm.
Beyond her professional life, Kimberley is an avid reader.

Additionally, she derives immense joy from watching her children's sporting and arts events, demonstrating her dedication to her family and their pursuits. Her commitment to community shines through her volunteer work at the local youth center, underscoring her desire to make a positive impact on the lives of others.

A true family-oriented individual, Kimberley resides in Bergen County, New Jersey, with her husband, children, and beloved dogs.

About David Elias

David, a valued addition to the HBC Group's team in 2021, is a beacon of knowledge and empathy in the financial realm. With a background steeped in wealth strategy and a heart dedicated to community engagement, David is a true embodiment of modern financial excellence.

Prior to joining the HBC Group, David had already carved an impressive path as a Senior Wealth Strategy Associate at UBS. This experience fortified his expertise in crafting tailored financial solutions that empower clients to navigate their unique financial journeys with confidence.

David's passions extend far beyond the confines of his profession. An enthusiastic traveler, he embraces the world's diverse cultures and landscapes, fueling his inspiration and enriching his understanding of the global economy. Equally at home in nature, David finds solace and renewal through hiking.

Yet, perhaps what defines David most is his unwavering commitment to community betterment. As an active volunteer at local community centers, he embodies the principle of giving back, making a tangible difference in the lives of those he touches. This philanthropic spirit aligns harmoniously with the HBC Group's values, reflecting David's dedication to both financial success and meaningful impact.
David resides in Westchester County, NY.

About Ashley Aurigemma

Ashley serves as a Business Development Director and draws on over 15 years of experience with Morgan Stanley. Ashley is passionate about cultivating relationships with new and existing clients by providing them with exclusive and personalized service for all administrative and operational needs. Her attention to detail and deep understanding of client objectives allows her to help deliver a truly exceptional Wealth Management experience. She joined The HBC Group in 2024 and holds the Series 7, 63 and 66 professional licenses.

As an integral part of the client service team, Ashley helps to manage all aspects of our client relationships. She has vast experience in implementation of managed money, insurance, and alternative investments.

Ashley graduated from St. John’s University with a Bachelor of Science in Finance. Ashley and her husband, Jose, live in Dutchess County, New York, with their French bulldog, Rocky, and cat named Stella. In her free time, Ashley enjoys traveling, reading and spending time with her family.

About Matthew Clemente

Matt started his financial career at a McMahan Securities in Greenwich CT. There, he was a trade assistant which entailed handling trade executions, meeting the client’s expectations, and special tailored projects. Matt has also had experience working for The Bank of New York under the Asset Management branch specifically in securities lending. There, he was an account representative for various large pension funds and municipalities. In that position, he was on the forefront of listening to the clients goals, financial needs both short and long term, as well as helping come up with a comfortable plan to achieve them. In 2010 he returned back to McMahan Securities to take on a dual role in sales support and compliance for the firm. Though he mainly worked on the trade desk in support of multiple traders, he was heavily involved with all audits and policy reviews on an annual basis.

Matt arrived at Morgan Stanley in April of 2013 and assimilated himself into The HBC Group dynamic thinking practice in February 2022 with his attention to detail and ability to help clients achieve their goals. He achieves this all while striving to give the best service to the client while keeping within firm policy. Matt assists clients with the many aspects of financial service they need ranging from researching securities based loans, online account support, to daily transactional trading.
Matt grew up in Westchester County and graduated from Colby-Sawyer College with a Bachelor of Science in Business Administration.

Matt is an avid skier and was on the Rolex Junior Olympic team as a young ski racer. He also enjoys playing tennis at the New York Athletic Club. He lives in Norwalk CT with his wife and newborn daughter.

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
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Marianne Murphy

Private Banker
Photo of Mary Gelfand

Mary Gelfand

Financial Planning Director

About Marianne Murphy

Marianne Murphy is a Private Banker serving Morgan Stanley Wealth Management offices in New York and Connecticut.

Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.

Marianne began her career in financial services in 2015, and joined Morgan Stanley in 2018 as an Associate Private Banker in NY PWM. Prior to joining the firm, she was a Commercial Credit Underwriting Officer at BNB Bank.

Marianne is a graduate of the Saint Francis College, where she received a Bachelor of Science in Economics and Finance. She lives in Brooklyn, New York with her husband. Outside of the office, Marianne enjoys playing Softball for the Brooklyn Pickles and is always catching the latest released movies. She dedicates time to causes close to her, the Alzheimer’s Association, JDRF & Covenant House.
NMLS#: 1732135

About Mary Gelfand

Mary Gelfand is a vice president and financial planning director, serving Morgan Stanley’s Wealth Management offices in Westchester County, NY and Fairfield County, CT. She is responsible for helping financial advisors with their clients’ and prospects’ financial planning needs.

Mary began her career in financial services in 2003 and joined Morgan Stanley in 2024. Prior to her current position, she worked for Fidelity Investments, Smith Barney, and Ameriprise.

Mary graduated from the University of Florida and holds her CERTIFIED FINANCIAL PLANNER™ designation. Mary lives in Westchester County, NY with her husband and children. Outside of work, Mary is an advocate for children’s healthcare and serves on the Family Advisory Council for the Morgan Stanley Children’s Hospital of NY.
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Wealth Management for Athletes and Entertainers

Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
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Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

1Morgan 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.

For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.

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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.

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3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.

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4Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.

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5Morgan 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

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6Alternative 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.

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7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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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:
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.

Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.

The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.

*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney.  The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.

Awards Disclosures
CRC 6491812 (04/2024)