Welcome to The Himich Group

Steadfast Commitment • Discipline in Process • Earning Your Confidence

The Himich Group at Morgan Stanley provides a complete range of wealth management services to affluent individuals and their families- including business owners managing both their professional and personal finances, mid and late-career professionals planning the next chapter of their lives, coaches with complex career and life planning needs, athletes who want to make their current earnings last past their playing days, retirees focused on planning for income and those focused on leaving a legacy to their loved ones or favorite charities. Our financial advisory practice is based in the Mid-West, with clients located from coast to coast.

LEADING DESIGNATIONS

  • Certified Portfolio Manager
  • Global Sports and Entertainment Director
  • NFLPA Registered Institutional Player Financial Advisor
  • 2 Chartered Retirement Planning Counselors
  • Alternative Investments Director
  • Certified Financial Planner
  • Chartered Market Technician
  • 3 Financial Planning Specialists

2024 Barron's Top 1,200 Financial Advisors Ranking
Dave Himich was named to the Barron's ranking of Top 1,200 Financial Advisors. It is an honor to be chosen amongst such esteemd colleagues.

Forbes' lists of America's Top Wealth Advisors: State by State in 2018, 2019, 2020, 2021, 2022, 2023 and 2024.
Dave Himich was named to Forbes' ranking of Top Wealth Advisors. He is grateful to have been named on this list every year since Forbes started awarding this prestigious recognition.

2023, 2024, and 2025 Forbes Best-In-State Wealth Management Teams Ranking
Thank you to all of our clients and partners for their continued trust and confidence in our team.

OUR HISTORY

With roots dating back to 1971, we have helped hundreds of clients build, maintain and distribute wealth over time. This has been the result of our disciplined planning and investment process we have used for decades – for you and for your portfolios. Our group believes financial relationships are built on a foundation of trust, integrity and transparency. Whether we are managing your portfolio or assisting you in developing a financial plan to guide you and your family, our concern is what can help best meet your objectives and expectations regardless of market conditions. Thus, we follow three core principals when engaging with you:

  1. OUR STEADFAST COMMITMENT – We understand complex situations and are backed by a global leader in financial services.
  2. DISCIPLINE IN OUR PROCESS – We can help handle all of your financial needs with our planning and investment process.
  3. EARNING YOUR CONFIDENCE – We work hard on your behalf to earn your trust to manage your money

Barron's Top 1,200 Financial Advisors (Source: Barron's - Awarded Mar 2024. Data compiled by Barron's based on time period from Sept 2022 - Sept 2023. Awards Disclosures)
2018-2024 Forbes America's Top Wealth Advisors (Source: Forbes.com - Awarded 2019-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of the year the award was issued.
Forbes Best-In-State Wealth Management Teams (Source: Forbes.com - Awarded Jan 2025) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24

Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Why Should You Choose The Himich Group?

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    True Portfolio Customization
    David Himich is one of only about 500 Certified Portfolio Managers in the country. He earned this prestigious designation in 2013 through the Fu Foundation of Engineering and Applied Science at Columbia University. It has been put to beneficial use as he is responsible for constructing, as well as managing, customized portfolios for our clients.
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    Public and Private Market Knowledge
    Our team recognizes the unique opportunities that exist when utilizing both the public and private markets. This type of knowledge comes from consistent, thorough study as well as vast experience in both arenas. The Himich Group ensures these investment opportunities are expressed to the appropriate client.
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    Elite Investment Platform
    Our open-architecture platform offers exclusive proprietary, third-party, traditional and alternative investments - along with insured solutions, private investment opportunities, legacy planning, lending and cash management solutions - with expansive due diligence.
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    Active Management
    The Himich Group takes pride in actively monitoring and managing each portfolio. We also look for opportunities to deploy a tactical overlay strategy which attempts to take advantage of short-term opportunities in the market. These strategies, among others, are used to successfully implement the financial plan we have in place for our clients.
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    Dedicated Specialists
    They say that a "Jack of all trades is a master of none". However, a TEAM of all trades is a different story. The Himich Group has dedicated specialists that are experts in their field. We have specialists in areas such as: Financial Planning, Portfolio Management, Athlete Advisory Services, Alternative Investing, Insurance, Legacy Planning and Customer Service. We thrive in finding solutions for our clients.
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    2018 - 2024 Forbes Best-In-State Wealth Advisors
    David Himich has been named as a Forbes Best-In-State Wealth Advisor every year that the award has been in existence.

    Source: Forbes.com (Awarded 2018-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
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    Barron's Top 1,200 Financial Advisors
    David Himich has been named as a Barron's Top 1200 Advisors in 2024. The “Barron’s Top 1,200 Advisors” is a select group of individuals who are screened on a number of criteria. Among factors the survey takes into consideration are assets under management, revenue produced for the Firm and quality of service provided to clients.

    Barron's Top 1,200 Financial Advisors
    (Source: Barron's - Awarded Mar 2024. Data compiled by Barron's based on time period from Sept 2022 - Sept 2023. Awards Disclosures)
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    Financial Planning
    Financial Planning is the map we use to establish a destination before paving the road. Our team has multiple Financial Planning Specialists and a CERTIFIED FINANCIAL PLANNER™ to help support our clients in the creation of their plan.

Our Process

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    Discover
    Our relationship begins with a deep discussion and thorough understanding of your needs, priorities, and goals. Whether you are athlete with your eyes on the draft, a CEO in the prime of your career or a business owner approaching retirement, we want you to define success in this step.
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    Create
    We take a complete inventory of your employer holdings, current investments, liabilities, insurance, and legacy planning needs. Armed with information, we will create a tailored roadmap to help achieve and protect the success you have defined for us.
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    Implement
    Next, we will help you implement the strategies we formulate together. We will integrate different investment classes within your specified risk tolerance and timeframe. The puzzle pieces should fit together in a way that helps make the pathway to success clear.
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    Adjust
    Your financial journey will not end with implementation. Helping achieve your definition of success requires vigilance and flexibility. We monitor your financial plan and adjust our strategies as life evolves, markets and tax laws shift, and priorities change.

Sports & Entertainment Division

Morgan Stanley Global Sports & Entertainment (GSE) 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. As a GSE Director and NFPLA Institutional Financial Advisor, Dave Himich and The Himich Group are well positioned to help support the financial needs of the coach, entertainer, high school, college or professional athlete. Let's get started.
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    The Financial Playbook for Athletes
    Given our experience working with professional athletes, we recognized the incredible opportunity young athletes have to change the stats of financial success. In response, our team has created an extensive program to invest in high school and college athletes now with the purpose of preparing them for the financial lives they will experience in the league. We have established the building blocks needed for athletes not only to start their financial journey with us, but to implement their financial goals to leave the legacy they want to future generations.
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    NFLPA
    A game isn’t just won on game-day, it’s won in the countless hours of preparation beforehand. Financial success works the same way. That’s why Morgan Stanley and the NFL Players Association are collaborating to help bring you the tools to build your own wealth, for generations to come. Consider it your greatest play of all time.
    Learn More
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    Our Insights
    Boost your star power and intellectual capital with exceptional ideas from our Global Sports & Entertainment thought leaders.
    Learn More

Extra Offerings

When you become a client of The Himich Group at Morgan Stanley, it unlocks a whole new world of access. From banking, alternative investments, asset aggregation and a loyalty program called Reserved Living & Giving, we are here to help connect you with the resources Morgan Stanley has to offer.

Asset Aggregation

You may have bank accounts, brokerage accounts, insurance policies and retirement plans scattered across financial institutions. Wouldn't you like to see your full financial picture in one place? Morgan Stanley can help.

As a Morgan Stanley client, you can use Asset Aggregation to organize all of your account data in one location, regardless of where your accounts are held, giving you an integrated view of your financial picture.

Asset Aggregation offers:
CONVENIENCE – Enroll all of your accounts – including investments, retirement plans, loans, banking and credit cards – so you can view your entire financial life right from our online site.
CLARITY – Obtain a holistic view of your wealth picture. You and your Financial Advisor can better assess where you stand on: your total net worth, alignment of your financial resources to your financial plan or analysis, and your risk and diversification.
SECURITY – Understand that your privacy is protected with the strictest attention to security and confidentiality through comprehensive multifactor authentication and the strongest data encryption available.

Asset Aggregation can provide you with a current, comprehensive understanding of your overall financial situation – putting you in a better position to implement your wealth management strategy and your Financial Advisor in a better position to deliver personalized financial strategies to help you protect and grow your wealth.

Morgan Stanley's Reserved Living & Giving Program

Reserved Living & Giving is a complimentary loyalty program, with over 50 offers and discounts from premier brands, designed to enhance your lifestyle beyond traditional wealth management services.

The program provides access to exclusive partner offers, insights from Morgan Stanley thought leaders and inspiring philanthropic stories.
Reserved clients can take advantage of a wide range of offers, including:

  • Travel and cultural experiences from best-in-class planners
  • Special pricing from iconic beauty, retail and automotive brands
  • The latest fashion, wine and sweets from select emerging brands

Whether you'd like to get behind the wheel of your dream car, enjoy the perfect wine pairing with every meal, or choose a thoughtful gift, you'll find unique opportunities with Reserved Living & Giving. Best of all, you can share the shopping treasures, travel adventures and simple pleasures with your family.

Ask us how you and your family can begin to take advantage of these wonderful offers. Click the link below for more information:

Location

7311 Crossleigh Court
Toledo, OH 43617
US
Direct:
(419) 842-5369(419) 842-5369
Toll-Free:
(734) 827-0556(734) 827-0556
Fax:
(419) 956-0124(419) 956-0124
2001 Commonwealth Blvd
Ann Arbor, MI 48105
US
Direct:
(419) 842-5369(419) 842-5369

Meet The Himich Group

Photo of David M Himich

David M Himich, CPM®

Managing Director, Wealth Management, Financial Advisor, Global Sports and Entertainment Director, NFLPA Registered Institutional Player Financial Advisor, Certified Portfolio Manager, Alternative Investments Director, Senior Portfolio Management Director, Financial Planning Specialist
Phone:
(419) 842-5369(419) 842-5369
Photo of Robert Fox

Robert Fox, CFP®

Senior Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Chartered Retirement Planning Counselor
Phone:
(567) 336-4721(567) 336-4721
Photo of Jackie W. Riley

Jackie W. Riley

Senior Registered Associate
Phone:
(419) 842-5365(419) 842-5365
Photo of Tammy Wright-Sherman

Tammy Wright-Sherman

Portfolio Associate
Phone:
(419) 842-5355(419) 842-5355
Photo of Aaron Webb

Aaron Webb

Wealth Management Associate
Phone:
(419) 842-6539(419) 842-6539
Photo of David L. Fraley II

David L. Fraley II, Chartered Market Technician, Chartered Retirement Planning Counselor

Portfolio Management Associate
Phone:
(567) 336-4723(567) 336-4723
Photo of Shelly A. Grycza

Shelly A. Grycza

Senior Registered Associate
Phone:
(567) 336-4724(567) 336-4724

About David M Himich

David Himich is a Managing Director and Financial Advisor with Morgan Stanley. He works with affluent professionals and retirees to help them build and maintain a lifetime stream of income. He is responsible for designing and implementing financial plans that assist his clients in attaining the retirement lifestyle they aspire to have. He also works with athletes beginning in high school, through their professional career in sport and beyond to the transfer of their generational wealth.

Professionally, Dave is recognized as both a Senior Portfolio Management Director and Alternative Investment Director at Morgan Stanley. He is also recognized as a Certified Portfolio Manager. He earned his CPM designation through the Fu Foundation of Engineering and Applied Science at Columbia University. Dave has received numerous awards demonstrating his commitment to a standard of excellence. These awards have included:

Barron's Top 1,200 Financial Advisors in 2024
Forbes List of America’s Top Wealth Advisors: State by State in 2018, 2019, 2020, 2021, 2022 and 2023
He also led his team to be named to the 2023 and 2024 Forbes Best-in-State Wealth Management Teams ranking

In addition to his CPM from Columbia Dave has a BBA in Finance and Commercial Law from Western Michigan University. He is actively involved with his church, St. Francis of Assisi in Ann Arbor, Michigan. Dave is also a member of the Detroit Alumni Association of Sigma Alpha Epsilon. His hobbies include golfing and running.




Disclosures
Source: Forbes.com (Awarded 2018,2019,2020, 2021, 2022, 2023). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of the year the award was issued.
Source: Barron's.com (Awarded Mar 2024) Data compiled by Barron's based on time period from Sept 2022-Sept 2023.

2023-2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Securities Agent: GA, CT, WA, TN, SD, SC, OK, MN, WY, WV, RI, NY, ND, ME, IN, WI, PA, OH, NE, KS, CA, AL, NM, NH, MT, ID, AZ, MI, KY, HI, DE, VA, NV, NJ, MO, IA, DC, VT, LA, IL, FL, MA, CO, UT, TX, OR, NC, MS, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1297922

About Robert Fox

Rob started in the investment business in 1987. He works with individuals, professionals, small business owners and select non-profit organizations. Rob is a CERTIFIED FINANCIAL PLANNER™ and has an emphasis in financial planning, retirement planning, business retirement plans and asset management. He is also a Chartered Retirement Planning Counselor℠ and a Chartered Retirement Plans Specialist℠.

He has a degree in finance from the University of Toledo and attended St. John’s High School after growing up in Sylvania. He has served on the board of the Epilepsy Center of Northwest Ohio, Goodwill Industries and committees for other organizations including the Toledo Museum of Art and the American Cancer Society. Rob and his wife Kristi live in Bozeman, MT with their two boys, Matthew and David.
Securities Agent: MT, KS, NC, MS, MD, IA, VT, VA, UT, SD, SC, ND, CT, WY, WI, OR, NY, AL, MO, ME, MA, ID, GA, OK, MN, WA, TX, RI, OH, NH, FL, DE, CO, TN, NM, MI, PA, NJ, NE, IL, HI, CA, AZ, WV, NV, LA, KY, IN, DC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2482949

About Karen Owens

Karen is a Financial Advisor with The Himich Group at Morgan Stanley. She has a well-rounded background that includes 13 years in the financial industry with Morgan Stanley, along with twenty years’ experience as a small business owner. Her primary focus is taking a holistic approach to delivering financial solutions to help meet the unique needs of those preparing for their retirement with an emphasis on small business owners. Karen’s distinctive ability to help clients understand both sides of their personal balance sheet is pivotal in helping them achieve their long term financial goals.

Karen received her Bachelor of Science degree from Ohio University. She resides in Maumee, Ohio with her husband Mike and their 3 Labrador Retrievers. Karen enjoys reading, hiking, skiing and spending time with family.
Securities Agent: CA, AL, NJ, MO, IL, CT, VA, SD, OH, NM, NC, MN, KY, KS, PA, NY, NE, MD, LA, OK, DE, WV, TX, SC, MI, ME, FL, DC, WY, OR, ND, MT, ID, AZ, WA, UT, NV, MS, WI, TN, NH, MA, IN, IA, HI, CO, VT, RI, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 2457639

About Nelson E. Snellenberger

Nelson E. Snellenberger is a Wealth Management Associate with the Himich Group at Morgan Stanley. The Himich Group works with successful business owners who are still working and ones preparing for retirement (selling a business or in transition to family or employees). They also do work with professionals and families who are retired and need assistance with their complex financial planning needs. Nelson’s role in the group is to keep their clients informed and have contact with them on a regular basis. He works in helping clients understand Alternative Investments. He also assists the group in building out customized portfolios for their clients and prospects.

Nelson is a life Member of the PGA (Professional Golfers Association) He understands the trials and tribulations of being a business owner and can relate well to the business owner in drawing upon his own experiences.

Nelson has a BBA in Finance from Defiance College. His hobbies include, golfing, boating and fishing in the Great Waters of the Les Cheneaux Islands in Upper Peninsula of Michigan.

Tel: 419-842-5357
Fax: (419) 842-6565
Email: Nelson.snellenberger@morganstanley.com

About Jackie W. Riley

Jackie Riley is a Senior Registered Associate for The Himich Group at Morgan Stanley in Toledo, OH. She works with the group’s clients to handle all of the operations and administration of accounts. Her experience in addressing their clients’ unique service needs is based on over 25 years of experience.

Jackie started her career in the financial services industry in 1986 as a clerk on the Chicago Board of Options Exchange (CBOE) and became a trader in 1987. In 1988, she recognized her talents in working directly with clients as a service associate. Jackie is a dedicated and talented professional that helps ensure clients’ requests are met promptly and keeps the office running smoothly.

Jackie studied Marketing at Ohio University. She is actively involved in her community having volunteered at The Nature Conservancy, Toledo Metroparks, The Ohio Lepidopterists and Toledo Naturalists’ Association.

Tel: 419-842-5365
Fax: 419-956-0124
Email: jackie.w.riley@morganstanley.com

About Kara Jo Wietrzykowski

Kara is passionate about treating every client like family. Her experience in the financial services industry began in 2015 starting in insurance before transitioning to Morgan Stanley as a Financial Advisor in 2020. Her role on the team is to shape and enhance a modern client experience by proactively cultivating and maintaining deep relationships with new and existing clients. Kara is also responsible for managing and achieving the team's overall business strategy. She primarily focuses on financial education for athletes, asset protection strategies, financial planning, and legacy planning for the transfer of generational wealth. You can expect holistic planning and insurance reviews when interacting with Kara.

Disclaimer:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.

About Aaron Webb

Aaron has been working in the industry since graduating from Grand Valley State University with a major in Finance. Aaron understands the importance of financial education & financial health and strives to help athletes and professionals alike safeguard their financial futures. As the team's Director of Sport Operations, he acts as a primary point of contact for NIL clients and focuses on coordinating athletes through the financial education modules so they are prepared for Draft Day & beyond.

About Edward "Ted" Nolette

Ted began his finance career in 1994 and joined Morgan Stanley in 2012. He earned his Bachelor degree from Ohio University while competing on the Men’s Club Hockey Team. Ted furthered his education at Bowling Green State University where he completed the Certificate Program in Financial Planning. Ted’s tenure provides a wealth of experience to help clients live the one life they have, the best then can, without undue financial sacrifice or overexposure to risk.
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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.

1Alternative 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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2Morgan 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.

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3Morgan 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.

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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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6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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7Products 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 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.

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8Morgan 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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9Morgan 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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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 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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11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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13When 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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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.

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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.

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)