Michael Weinman
Executive Director, Financial Advisor, Alternative Investments Director
Phone:
(214) 468-7296(214) 468-7296
The Heritage Group at Morgan Stanley
Direct:
(214) 468-7296(214) 468-7296
Toll-Free:
(866) 221-6818(866) 221-6818
Our Mission Statement
Very simply, we are here to navigate, advise and curate a tailored plan of action so that our clients can make very complicated decisions with confidence.
The Heritage Group at Morgan Stanley
The Heritage Group at Morgan Stanley provides sophisticated wealth management and financial planning to a select group of clients, delivering clear, proactive and personalized solutions. We maintain a client-centered approach, draw upon our global resources and years of experience. Our strength is in the relationships we forge with our clients and the integrity we bring to our job daily. By taking the time to understand our client’s needs, we help to provide financial peace of mind. We advise clients on almost all aspects of their finances from wealth management to estate and financial planning strategies. We create customized asset allocations based soundly upon our client's short and long term goals. Our team uses cutting edge analysis and old-fashioned common sense. We understand the complexity of wealth management and its challenges and responsibilities. Peace of mind comes with proactive financial planning.
Services Include
- Art AdvisoryFootnote1
- Business Succession PlanningFootnote2
- Cash ManagementFootnote3
- Divorce Financial AnalysisFootnote4
- Estate Planning StrategiesFootnote5
- Financial PlanningFootnote6
- Cash Management and Lending ProductsFootnote7
- Long Term Care InsuranceFootnote8
- Life InsuranceFootnote9
- Planning for Education FundingFootnote10
- Planning for Individuals with Special Needs
- Retirement PlanningFootnote11
- Sustainable InvestingFootnote12
- Wealth ManagementFootnote13
- Trust ServicesFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Discovery Process
Our process starts with planning. We listen to you, we make sure we understand you and then we show you. In our planning we look at everything that can go wrong, we run a Monte-Carlo simulation with over 1000 different market outcomes and deliver a realistic plan that works for you and the goals you have for your future, your retirement, your family and your legacy beyond the two of you.
Implementing Your Plan
We apply extensive research and analysis and work directly with our Global Investment Committee to create a customized portfolio. This allows us to address your current and future needs for you, your family and legacy beyond. Your risk and comfort drive our planning and asset allocation process.
Retirement and Legacy Planning
Our clients are leaders in a wide variety of industries, this has given us an incredibly diverse set of skills over the years and we consistently think outside the box for your benefit. We work with our client’s current estate and tax team to create and achieve sustainable goals we develop together. If those experts are not in place or in need of change, we have a highly vetted list of senior advisors in Estate and Tax Planning we can refer across the country.
Measuring Your Success
The financial plan we create for you is a dynamic living document which measures progress towards your goals. We send an executive summary of this document quarterly and review the plan with our clients annually to ensure you are on track to meet your goals.
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The Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored using encryption.
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Goals Planning System (GPS)
GPS helps clients define what they want out of life, and then creates a financial framework to bring these goals to life.
Learn More about GPSUpcoming Firm Events
We hope you will join us for this upcoming event.
AI Revolution: The Breakthrough, the Buzz and a Blueprint for the Future
We invite you to watch the replay from our thought-provoking conversation on artificial intelligence (AI) with James Dyett, OpenAI's Head of Enterprise & Strategic Sales, Keith Weiss, Morgan Stanley's Head of U.S. Software Research Jeff McMillan, Morgan Stanley's Head of Firmwide Artificial Intelligence, recorded on Monday, March 24.
CRC4303146 03/2025
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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.
Portfolio Risk Platform
Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
Morgan Stanley Portfolio Insights
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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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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.
Morgan Stanley Goals-Based Wealth ManagementLocation
5001 Spring Valley Rd
Ste 900W
Dallas, TX 75244
US
Direct:
(214) 468-7296(214) 468-7296
Toll-Free:
(866) 221-6818(866) 221-6818
Meet The Heritage Group
Peyton Cook
First Vice President, Financial Advisor
Phone:
(214) 468-7263(214) 468-7263
Phone:
(214) 468-7256(214) 468-7256
Sarah Green
Portfolio Associate
Phone:
(214) 468-7284(214) 468-7284
Natasha Mills
Client Service Associate
Phone:
(214) 468-7255(214) 468-7255
About Michael Weinman
Michael has more than thirty years of investment management experience. Michael was personally invited by Morgan Stanley to become a designated Family Wealth Director. This unique title is “invitation only” to a very small group of top advisers at Morgan Stanley. Michael has had to demonstrate skill and dedication in working with Ultra-High Net Worth clients, proving deep professional knowledge and experience in the areas of-
Family Governance & Wealth Education – Impact Investing – Philanthropy Management – Wealth Transfer – Taxation – Business Succession & Monetization – Restricted Securities – Asset & Liability Management – Risk & Insurance, both personal and corporate – Behavioral Finance- Estate Planning – Trust Services – Portfolio Construction – Lending Strategies – Alternative Investments (Michael is also an Alternative Investments Director, accredited by Morgan Stanley.)
Michael’s role as founding partner is to assist clients in accessing all of Morgan Stanley's vast resources and implement wealth management strategies for the team’s diverse group of clients.
“Our team focuses on assisting uniquely successful individuals and families made up of entrepreneurs, business builders and C-Suite executives. Our whole value proposition is built around our clients with similar yet unique wealth and complexities. We have a lot of muscle memory in this space because it is all we focus on. You, your family, because of your success are different then others. We take a methodical approach which starts and ends with you and what is most important to you.”
As a team, we work directly with our Global Investment Committee to position a clients portfolio based on your risk appetite needs and goals. We assist multi-generation client relationships. We work with our clients and our in-house Family Office Resources Team on all facets of Estate and Multi-generational Wealth Planning. We also have access to Private Bankers that are here to assist our clients with their various borrowing needs.
Michael was educated in London and New York. He graduated from Adelphi University in New York. After working for a venture capital firm for six years, Michael joined J.C. Bradford, a regional Wealth Management firm in 1998. The firm was later purchased by Paine Webber and then UBS Financial Services. Michael and his team joined Morgan Stanley in 2009.
Michael is a competitive tennis player and loves skiing, swimming, surfing, golf, cooking, reading and travel. He is active in both local and national charities. Michael has a son and daughter, Nicholas and Chloe and a wonderful partner in Coraline.
CA Insurance License # 0C80468
• Forbes Best-In-State Wealth Management Teams 2024, 2025
• Forbes Best-In-State Advisors 2021, 2022,2023,2024 & 2025
Disclosures:
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23-3/31/24.
Source: https://www.morganstanley.com/disclosures/awards-disclosure.html
The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
Alternative investments often are speculative and include a high degree of risk. Investors could lose all or a substantial amount of their investment. Alternative investments are appropriate only for eligible, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time. They may be highly illiquid and can engage in leverage and other speculative practices that may increase the volatility and risk of loss. Alternative Investments typically have higher fees than traditional investments. Investors should carefully review and consider potential risks before investing.
Past performance is no guarantee of future results. Actual results may vary. Diversification does not assure a profit or protect against loss in a declining market.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Private Bankers are employees of Morgan Stanley Private Bank, National Association, Member FDIC.
Family Governance & Wealth Education – Impact Investing – Philanthropy Management – Wealth Transfer – Taxation – Business Succession & Monetization – Restricted Securities – Asset & Liability Management – Risk & Insurance, both personal and corporate – Behavioral Finance- Estate Planning – Trust Services – Portfolio Construction – Lending Strategies – Alternative Investments (Michael is also an Alternative Investments Director, accredited by Morgan Stanley.)
Michael’s role as founding partner is to assist clients in accessing all of Morgan Stanley's vast resources and implement wealth management strategies for the team’s diverse group of clients.
“Our team focuses on assisting uniquely successful individuals and families made up of entrepreneurs, business builders and C-Suite executives. Our whole value proposition is built around our clients with similar yet unique wealth and complexities. We have a lot of muscle memory in this space because it is all we focus on. You, your family, because of your success are different then others. We take a methodical approach which starts and ends with you and what is most important to you.”
As a team, we work directly with our Global Investment Committee to position a clients portfolio based on your risk appetite needs and goals. We assist multi-generation client relationships. We work with our clients and our in-house Family Office Resources Team on all facets of Estate and Multi-generational Wealth Planning. We also have access to Private Bankers that are here to assist our clients with their various borrowing needs.
Michael was educated in London and New York. He graduated from Adelphi University in New York. After working for a venture capital firm for six years, Michael joined J.C. Bradford, a regional Wealth Management firm in 1998. The firm was later purchased by Paine Webber and then UBS Financial Services. Michael and his team joined Morgan Stanley in 2009.
Michael is a competitive tennis player and loves skiing, swimming, surfing, golf, cooking, reading and travel. He is active in both local and national charities. Michael has a son and daughter, Nicholas and Chloe and a wonderful partner in Coraline.
CA Insurance License # 0C80468
• Forbes Best-In-State Wealth Management Teams 2024, 2025
• Forbes Best-In-State Advisors 2021, 2022,2023,2024 & 2025
Disclosures:
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23-3/31/24.
Source: https://www.morganstanley.com/disclosures/awards-disclosure.html
The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
Alternative investments often are speculative and include a high degree of risk. Investors could lose all or a substantial amount of their investment. Alternative investments are appropriate only for eligible, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time. They may be highly illiquid and can engage in leverage and other speculative practices that may increase the volatility and risk of loss. Alternative Investments typically have higher fees than traditional investments. Investors should carefully review and consider potential risks before investing.
Past performance is no guarantee of future results. Actual results may vary. Diversification does not assure a profit or protect against loss in a declining market.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Private Bankers are employees of Morgan Stanley Private Bank, National Association, Member FDIC.
Securities Agent: OK, NJ, VA, NC, ID, IA, GA, WA, DC, TN, SC, MD, CO, FL, CA, AL, DE, RI, NV, MT, MO, MI, WV, WI, PR, MN, AR, LA, AZ, CT, TX, PA, NY, MS, KS, WY, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 1295602
NMLS#: 1295602
About Peyton Cook
Peyton has focused his talents on serving the needs of high-net-worth clients and corporations. He works closely with Michael and Beth to provide each client with a personalized financial plan. This client centric approach allows the team to create customized investment strategy plans and asset allocation models tailored to each client’s needs. His goal is to work with his clients to help them manage and preserve the wealth they have worked so hard to create.
He joined Michael and Beth in 2006 upon the completion of the UBS Financial Training Program. He holds Series 7, 66 licenses as well as Texas insurance licenses. Peyton attended the University of Texas at Dallas where he graduated with a Bachelor of Arts in Government and Politics. He was a member of the nationally ranked golf team and was voted First Team All-Conference and made the All-Academic honor roll as a student-athlete.
Peyton and his wife Stephanie have two boys, Holland and Wesley, and live in University Park where she works as a District President for Robert Half overseeing offices in North Texas, West Texas and Oklahoma. Peyton currently serves on the Board of Directors of the Dallas Zoological Society and enjoys playing golf, tennis and spending time with his family.
• Forbes Best-In-State Wealth Management Teams 2024, 2025
Disclosures:
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23-3/31/24. Source: https://www.morganstanley.com/disclosures/awards-disclosure.html
He joined Michael and Beth in 2006 upon the completion of the UBS Financial Training Program. He holds Series 7, 66 licenses as well as Texas insurance licenses. Peyton attended the University of Texas at Dallas where he graduated with a Bachelor of Arts in Government and Politics. He was a member of the nationally ranked golf team and was voted First Team All-Conference and made the All-Academic honor roll as a student-athlete.
Peyton and his wife Stephanie have two boys, Holland and Wesley, and live in University Park where she works as a District President for Robert Half overseeing offices in North Texas, West Texas and Oklahoma. Peyton currently serves on the Board of Directors of the Dallas Zoological Society and enjoys playing golf, tennis and spending time with his family.
• Forbes Best-In-State Wealth Management Teams 2024, 2025
Disclosures:
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23-3/31/24. Source: https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: PA, MI, FL, CT, DE, TN, LA, DC, WI, NJ, NC, IA, CO, WA, TX, RI, MS, MO, MN, ID, AL, SC, OK, MD, NV, CA, WV, MT, AZ, PR, NY, KS, AR, WY, VA, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1255472
NMLS#: 1255472
About Brendan Light
Brendan Light is a Senior Vice President and Portfolio Management Director. He works with a select group of individuals, business’s, foundations, and non-profits to identify their specific financial goals and needs.
Brendan creates customized strategies to help clients grow, manage, preserve, and transition their wealth over generations. He listens to his clients’ needs and focuses on becoming their trusted advocate, to help ensure a long term, successful client experience. The team assists in developing a comprehensive wealth management plan that focuses on planning, investment selection, asset and risk protection, credit, estate planning and tax management strategies. Our team continually monitors and adjust the plan given the variables of life to help ensure the clients goals are achieved.
Brendan graduated from Southern Methodist University in 2006 with a degree in accounting. He holds a Series 7 and 66 Registration. He began his financial career in 2006 at Merrill Lynch. In 2015, he joined Wells Fargo Advisors until he relocated to Morgan Stanley in 2022 as a Portfolio Manager.
Brendan currently resides in Southlake, Texas with his wife Alyson, daughter Reagan, and their wolfpack of 3 dogs. He enjoys playing tennis and golf. You can see him at the gym daily. His passion is to travel and explore the food scene with Alyson and Reagan.
• Forbes Best-In-State Wealth Management Teams 2024, 2025
Disclosures:
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23-3/31/24. Source: https://www.morganstanley.com/disclosures/awards-disclosure.html
Brendan creates customized strategies to help clients grow, manage, preserve, and transition their wealth over generations. He listens to his clients’ needs and focuses on becoming their trusted advocate, to help ensure a long term, successful client experience. The team assists in developing a comprehensive wealth management plan that focuses on planning, investment selection, asset and risk protection, credit, estate planning and tax management strategies. Our team continually monitors and adjust the plan given the variables of life to help ensure the clients goals are achieved.
Brendan graduated from Southern Methodist University in 2006 with a degree in accounting. He holds a Series 7 and 66 Registration. He began his financial career in 2006 at Merrill Lynch. In 2015, he joined Wells Fargo Advisors until he relocated to Morgan Stanley in 2022 as a Portfolio Manager.
Brendan currently resides in Southlake, Texas with his wife Alyson, daughter Reagan, and their wolfpack of 3 dogs. He enjoys playing tennis and golf. You can see him at the gym daily. His passion is to travel and explore the food scene with Alyson and Reagan.
• Forbes Best-In-State Wealth Management Teams 2024, 2025
Disclosures:
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23-3/31/24. Source: https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: NJ, VT, PR, MN, CO, NV, DE, IA, FL, NC, AZ, WY, VA, LA, GA, TX, PA, NY, MT, MD, IL, DC, MI, CT, CA, AR, SC, RI, OK, MO, AL, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 2343586
NMLS#: 2343586
About Sarah Green
Sarah joins us from TD Ameritrade where she worked as a Registered Client Service Specialist assisting clients, advisors and the Branch Manager. She lives in Carrollton, TX with her husband, Ed and cats, Pork Chop and Pop Tart. In her free time she loves to cook, bake, knit and sew. She’s always doing something crafty and creating new projects.
• Forbes Best-In-State Wealth Management Teams 2024, 2025
Disclosures:
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23-3/31/24. Source: https://www.morganstanley.com/disclosures/awards-disclosure.html
• Forbes Best-In-State Wealth Management Teams 2024, 2025
Disclosures:
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23-3/31/24. Source: https://www.morganstanley.com/disclosures/awards-disclosure.html
Contact Michael Weinman
Contact Peyton Cook
Contact Brendan Light
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
Randy Payne
Senior Private Banker
About Randy Payne
Randy Payne is a Senior Private Banker serving Morgan Stanley Wealth Management offices in the Dallas/Fort Worth Market.
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.
Randy began his career in financial services in 1993, and joined Morgan Stanley in 2014 as a Private Banker. Prior to joining the firm, he was a Divisional Sales Director at Wells Fargo Advisors.
Randy is a graduate of Rensselaer Polytechnic Institute, where he received a Bachelor of Science in Management. He lives in Northlake, Texas with his family. Outside of the office, Randy enjoys spending time in Oxford, MS with his family cheering on Ole Miss football and baseball teams.
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.
Randy began his career in financial services in 1993, and joined Morgan Stanley in 2014 as a Private Banker. Prior to joining the firm, he was a Divisional Sales Director at Wells Fargo Advisors.
Randy is a graduate of Rensselaer Polytechnic Institute, where he received a Bachelor of Science in Management. He lives in Northlake, Texas with his family. Outside of the office, Randy enjoys spending time in Oxford, MS with his family cheering on Ole Miss football and baseball teams.
NMLS#: 1214288
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
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
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
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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Ready to start a conversation? Contact The Heritage Group today.
1Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley does not assist with buying or selling art in any way and merely provides information to clients interested learning more about the different types of art markets at a high level. Any client interested in buying or selling art should consult with their own independent art advisor.
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 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
4Morgan 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.
5Morgan 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.
6Morgan 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.
7Morgan 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
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When 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.
11When 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.
12The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
13Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
14Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
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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.
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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 does not assist with buying or selling art in any way and merely provides information to clients interested learning more about the different types of art markets at a high level. Any client interested in buying or selling art should consult with their own independent art advisor.
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 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
4Morgan 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.
5Morgan 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.
6Morgan 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.
7Morgan 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
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When 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.
11When 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.
12The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
13Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
14Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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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 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)
