Lisa Schiffer, ChFC®
Senior Vice President, Financial Advisor, Workplace Advisor – Equity Compensation, Portfolio Management Director
Phone:
(770) 481-1742(770) 481-1742
The Horizon Group at Morgan Stanley
Lisa Schiffer, ChFC®Nick Bhandari, CFP®, CRPS®David Austin, ChFC®, CFS, CRPS®Christopher Wynne, CFP®, ChFC®, CLU®Jonathan M Linder, CFP®, CRPS
Direct:
(770) 698-2100(770) 698-2100
Toll-Free:
(800) 444-1082(800) 444-1082
Industry Award WinnerOur Mission Statement
To guide our clients in virtually all aspects of their financial lives, helping ensure they achieve their life goals by leveraging the knowledge of our team and Morgan Stanley's extensive resources.
Our Story
2024 and 2025 Forbes Best-In-State Wealth Management Teams
The founders of The Horizon Group have worked together for over 20 years, providing comprehensive wealth management services for the personal and business needs of affluent clients. We believe that managing wealth involves far more than managing an investment portfolio. To us, it means taking the time to truly understand your financial desires and challenges, develop a comprehensive plan, and implement appropriate strategies. Through Morgan Stanley, our team has access to a full spectrum of financial solutions designed to help our clients accomplish their goals.
Our team is proud to have earned the Family Wealth Advisor, Alternative Investments Director, Corporate Retirement Director, and Workplace Advisor - Equity Compensation distinctions. Each of these designations reflect our distinctive capabilities to provide more in-depth consulting around matters such as intergenerational family wealth planning and retirement plan consulting.
We've built our practice on sound financial strategies, personal attention and long-term client relationships. With passion and insight we work with our clients, helping empower them to create the future they envision. Our clients look to us as dedicated advisors who can help them make informed financial decisions, and align their investments with their values.
Your financial world can be complicated; let us help navigate your future.
Source: Forbes.com (Awarded 2024, 2025) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to issuance of the award.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Investment Solutions
As a comprehensive Wealth Management team, we provide prudent investment ideas and solutions. The Horizon Group at Morgan Stanley can provide you with a world of investment strategies, designed to fit your particular needs, risk tolerance, time horizon and comfort level. We take the time to educate you on the most appropriate solution and move forward at your speed, not ours. Some of our investment solutions include:
• The universe of mutual funds, index funds, and ETFs
• Impact Investing, Sustainable Investing
• Private stock and bond managers, hired and vetted by Morgan Stanley
• Charitable solutions, such as donor advised funds and charitable trust asset management
• 401(k) Plan Investment Consulting Services
• Private Equity
• Private Credit
• Real Estate
• Hedge Funds
Many firms offer some of what we do, but very few firms have the breadth and depth of solutions for clients, with the hands-on due diligence and ongoing monitoring we perform on all of these solutions. Additionally, most of the ideas we recommend for our clients are not proprietary to Morgan Stanley, but many are exclusive to us.
Let us design an Investment Plan for you.
• The universe of mutual funds, index funds, and ETFs
• Impact Investing, Sustainable Investing
• Private stock and bond managers, hired and vetted by Morgan Stanley
• Charitable solutions, such as donor advised funds and charitable trust asset management
• 401(k) Plan Investment Consulting Services
• Private Equity
• Private Credit
• Real Estate
• Hedge Funds
Many firms offer some of what we do, but very few firms have the breadth and depth of solutions for clients, with the hands-on due diligence and ongoing monitoring we perform on all of these solutions. Additionally, most of the ideas we recommend for our clients are not proprietary to Morgan Stanley, but many are exclusive to us.
Let us design an Investment Plan for you.
Investment Solutions
Click here to read more on our Industry-Leading Investment Solutions PlatformAlternative Investments
Alternative Investments describe a spectrum of strategies that cannot be accessed through traditional fixed income and equity markets. These strategies have the potential to help lower volatility and increase diversification in clients' portfolios.
Click here to read more on Alternative InvestmentsInvesting with Impact
Investing with the intention of generating positive social and/or environmental impact alongside a financial return.
The term Impact Investing is often used interchangeably with ESG (environmental, social, and governance factors) and Sustainable Investing (incorporating ESG factors into investment decisions to not only meet present needs, but also to preserve the ability of future generations to meet their own needs by strengthening social, environmental and economic systems).
Together, let's define how you want your investments to reflect your values.
Click here to read more on Investing with ImpactThe term Impact Investing is often used interchangeably with ESG (environmental, social, and governance factors) and Sustainable Investing (incorporating ESG factors into investment decisions to not only meet present needs, but also to preserve the ability of future generations to meet their own needs by strengthening social, environmental and economic systems).
Together, let's define how you want your investments to reflect your values.
Family Wealth Planning
Our clients range from physicians to attorneys, dentists to corporate executives, and small business owners across industries. Planning for your family’s financial future can be a complex and challenging process. It requires special knowledge, experience, and a deep dedication to understanding your family’s unique dynamics, values and priorities. To better guide our clients, our team has earned Morgan Stanley’s Family Wealth Advisor (FWA) designation, and Dedicated Equity Plan Specialist designation. (Please refer to our individual profiles to learn more about our specialty in Equity Compensation.)
The FWA designation is an accreditation program focused on the skills needed to deliver comprehensive, family-centric wealth management, including:
- Having meaningful conversations about money with children and parents
- Working together on a family business or other family enterprise
- Creating a comprehensive wealth management plan
- Advising and helping implement proper asset allocations
- Estate planning and wealth transfer
- Engaging the next generation in taking ownership of their finances
We work closely with you and your family to help guide you through your financial and investment planning needs and assist you in planning for the future and whatever it may hold. In many cases we also coordinate with your tax, legal and other professional advisors to design holistic, strategic solutions to your most pressing concerns and to review your plans on an ongoing basis to ensure that they still fit your values and goals.
On behalf of The Horizon Group, we look forward to putting our resources and knowledge to work for you and your family.
The FWA designation is an accreditation program focused on the skills needed to deliver comprehensive, family-centric wealth management, including:
- Having meaningful conversations about money with children and parents
- Working together on a family business or other family enterprise
- Creating a comprehensive wealth management plan
- Advising and helping implement proper asset allocations
- Estate planning and wealth transfer
- Engaging the next generation in taking ownership of their finances
We work closely with you and your family to help guide you through your financial and investment planning needs and assist you in planning for the future and whatever it may hold. In many cases we also coordinate with your tax, legal and other professional advisors to design holistic, strategic solutions to your most pressing concerns and to review your plans on an ongoing basis to ensure that they still fit your values and goals.
On behalf of The Horizon Group, we look forward to putting our resources and knowledge to work for you and your family.
Women and Wealth
Women and Wealth has been an important focal point of our practice for decades. For many years, we have worked together as an integrated financial planning team, specializing in providing wealth management for women, many of whom are divorced or widowed. Our practice includes many female business owners, executives and physicians. It takes a special combination of support and expertise to work with women who are going through a life transition.
The affluent couples who we work with find value in knowing that when one spouse passes on, their partner will have a trusted advisor to continue working with them through a difficult transition. As a knowledgeable team, we not only offer expert financial guidance, but work to make positive changes in our clients' lives. We offer patience, experience and a straightforward approach, empowering our clients to create the future they envision. The relationship expands to understanding our clients' concerns and needs, and helping to anticipate and plan for life changes that may occur. We coordinate with our wide network of other professionals to help our clients in all areas of planning.
As a collaborative team, the members of The Horizon Group have devoted their expertise, empathy and knowledge to guiding and assisting their clients, so they can make informed and educated financial decisions.
The affluent couples who we work with find value in knowing that when one spouse passes on, their partner will have a trusted advisor to continue working with them through a difficult transition. As a knowledgeable team, we not only offer expert financial guidance, but work to make positive changes in our clients' lives. We offer patience, experience and a straightforward approach, empowering our clients to create the future they envision. The relationship expands to understanding our clients' concerns and needs, and helping to anticipate and plan for life changes that may occur. We coordinate with our wide network of other professionals to help our clients in all areas of planning.
As a collaborative team, the members of The Horizon Group have devoted their expertise, empathy and knowledge to guiding and assisting their clients, so they can make informed and educated financial decisions.
Business Services
Morgan Stanley has one of the premier retirement plan consulting groups in the country, and our team includes Corporate Retirement Directors (CRD) within the Horizon Group. CRD is a title awarded to less than 3% of all Morgan Stanley Advisors as of December 2025. We focus on qualified and non-qualified plans, including plan design, investments, fees and employee education.
As a firm, we handle thousands of retirement plans. As a team we work with a sizeable number of retirement plans, from small business plans with few employees, to larger more established plans with hundreds of employees. We are well-versed in all types of corporate plans, including 401(k), Profit Sharing, Defined Benefit and Non-Qualified plans.
Services Include:
- Creation, education and governance of a Plan Investment Committee
- Interacting with other service providers on behalf of the plan (record-keepers/third-party administrators)
- Creating and monitoring customized investment platforms
- Plan Benchmarking
- RFP Services
- Participant Education
Most importantly, we take the time to understand the business owners' objectives so that we can shape and create a plan that can help accomplish the goals of our clients. We engage with the plan on multiple levels, including the ownership group, plan committees and the plan participants. Our consultative, hands-on process positions us as an extension of the company's own benefits team.
Corporate Clients/Industries we serve include, but are not limited to:
- Medical and dental
- Manufacturing companies
- Technology companies
- Engineering companies
- Consulting companies
- Senior housing companies
Location
5 Concourse Pkwy
Ste 2000
Atlanta, GA 30328
US
Direct:
(770) 698-2100(770) 698-2100
Toll-Free:
(800) 444-1082(800) 444-1082
Meet The Horizon Group
Nick Bhandari, CFP®, CRPS®
Senior Vice President, Financial Advisor, Corporate Retirement Director, Alternative Investments Director, Lending Specialist
Phone:
(770) 481-1744(770) 481-1744
David Austin, ChFC®, CFS, CRPS®
Senior Vice President, Financial Advisor, Alternative Investments Director, Portfolio Management Director
Phone:
(770) 481-1743(770) 481-1743
Christopher Wynne, CFP®, ChFC®, CLU®
Senior Vice President, Financial Advisor, Workplace Advisor – Equity Compensation, Portfolio Management Director
Phone:
(770) 481-1740(770) 481-1740
Ryan Austin
Financial Advisor, Financial Planning Specialist, Workplace Advisor - Equity Compensation
Phone:
(770) 698-2117(770) 698-2117
Amanda Kombosch
Wealth Management Associate
Phone:
(770) 481-1782(770) 481-1782
Sophia Johnston
Registered Client Service Associate
Phone:
(770) 933-3033(770) 933-3033
Alex Cornett
Registered Client Service Associate
Phone:
(678) 542-2967(678) 542-2967
Shane Lussier
Registered Client Service Associate
Phone:
(770) 481-1745(770) 481-1745
About Lisa Schiffer
Lisa, a Georgia native, is a founding partner of The Horizon Group at Morgan Stanley and has spent over three decades in financial services providing comprehensive financial planning and wealth management. As a Family Wealth Advisor who focuses on generational wealth planning, she works with women who manage their family finances, small business owners, executives and medical professionals who value having an advisor to help them oversee various aspects of their financial lives.
Shortly after receiving her Bachelor of Science from Syracuse University, Lisa began her career in finance with some of the most recognized financial firms in the business: Merrill Lynch, Sanford C. Bernstein and American Express Financial Advisors (AEFA). In 1993, Lisa formed a partnership with financial advisor, Chris Wynne. As partners, they worked for more than a decade with AEFA, and later joined a top 50 US-based accounting firm, as Vice Presidents in the wealth management division.
Since before joining Morgan Stanley in 2014, Lisa’s mission has been empowering women to make educated decisions. She is a committee member of Morgan Stanley’s Women and Wealth Atlanta, as well as the Morgan Stanley Diversity and Inclusion Council, Atlanta Chapter. Through mentoring and advocacy, Lisa believes in making a positive impact with and through her work.
Lisa was named to Forbes’ list of America’s Top Wealth Advisors for 2021. She has also been recognized in various publications, including Atlanta Magazine as a 2012, 2013, 2014 and 2015 “FIVE STAR: Wealth Manager.” She has shared her experience in interviews with Atlanta-area television stations and has written various articles for Atlanta Woman magazine, Chispa Magazine and Best Self Atlanta.
Lisa’s community involvement includes volunteer work with the non-profit, Dress For Success Atlanta. In addition, she currently serves on the Board of Governors for the Buckhead Club, Women’s Giving Circle sponsored by the Woodruff Arts Center, and has served as a board member for Mothers and Daughters Against Cancer (MADAC). Lisa and her husband have two adult children, and two Border Collies, and reside in the East Cobb Metro Atlanta area where she is an active member of the ARC- Atlanta Rowing Club. She also enjoys Pilates, yoga and the outdoors.
Forbes Best-In-State Wealth Advisors 2024
Source: Forbes.com (Awarded April 2024). Data compiled by SHOOK Research LLC for the period 6/30/22 - 6/30/23.
Forbes Top Women Wealth Advisors Best-In-State 2023, 2024 and 2025
Source: Forbes.com (Awarded 2023, 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award. Awards Disclosures
Forbes America’s Top Wealth Advisors 2021
Source: Forbes.com (Awarded August 2021) Data compiled by SHOOK Research LLC based on time period from 3/31/20 - 3/31/21. Awards Disclosures
The Horizon Group: Named to the 2024 and 2025 Forbes Best-In-State Wealth Management Teams Ranking
Source: Forbes.com (Awarded 2024, 2025) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to issuance of the award.
Named to Five Star Wealth Manager Award: 2012, 2013, 2015, 2020, 2021, 2022, 2023, 2024
Source: fivestarprofessional.com (Awarded 2012, 2013, 2015, 2021, 2022, 2023, 2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2012 Award - 02/04/12 - 7/22/12
2013 Award - 02/04/13 - 7/22/13
2015 Award - 02/04/15 - 7/22/15
2021 Award - 11/30/20 - 6/25/21
2022 Award - 12/13/21 - 6/10/22
2023 Award –11/14/22 - 5/31/23
2024 Award –11/14/23 - 6/10/24
Named to NAPA’s list of America’s Top DC Plan Advisors for 2020
Source: napa-net.org (March 2021) Data compiled by NAPA based on self-reported assets under advisement as of Dec 31, 2020.
Shortly after receiving her Bachelor of Science from Syracuse University, Lisa began her career in finance with some of the most recognized financial firms in the business: Merrill Lynch, Sanford C. Bernstein and American Express Financial Advisors (AEFA). In 1993, Lisa formed a partnership with financial advisor, Chris Wynne. As partners, they worked for more than a decade with AEFA, and later joined a top 50 US-based accounting firm, as Vice Presidents in the wealth management division.
Since before joining Morgan Stanley in 2014, Lisa’s mission has been empowering women to make educated decisions. She is a committee member of Morgan Stanley’s Women and Wealth Atlanta, as well as the Morgan Stanley Diversity and Inclusion Council, Atlanta Chapter. Through mentoring and advocacy, Lisa believes in making a positive impact with and through her work.
Lisa was named to Forbes’ list of America’s Top Wealth Advisors for 2021. She has also been recognized in various publications, including Atlanta Magazine as a 2012, 2013, 2014 and 2015 “FIVE STAR: Wealth Manager.” She has shared her experience in interviews with Atlanta-area television stations and has written various articles for Atlanta Woman magazine, Chispa Magazine and Best Self Atlanta.
Lisa’s community involvement includes volunteer work with the non-profit, Dress For Success Atlanta. In addition, she currently serves on the Board of Governors for the Buckhead Club, Women’s Giving Circle sponsored by the Woodruff Arts Center, and has served as a board member for Mothers and Daughters Against Cancer (MADAC). Lisa and her husband have two adult children, and two Border Collies, and reside in the East Cobb Metro Atlanta area where she is an active member of the ARC- Atlanta Rowing Club. She also enjoys Pilates, yoga and the outdoors.
Forbes Best-In-State Wealth Advisors 2024
Source: Forbes.com (Awarded April 2024). Data compiled by SHOOK Research LLC for the period 6/30/22 - 6/30/23.
Forbes Top Women Wealth Advisors Best-In-State 2023, 2024 and 2025
Source: Forbes.com (Awarded 2023, 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award. Awards Disclosures
Forbes America’s Top Wealth Advisors 2021
Source: Forbes.com (Awarded August 2021) Data compiled by SHOOK Research LLC based on time period from 3/31/20 - 3/31/21. Awards Disclosures
The Horizon Group: Named to the 2024 and 2025 Forbes Best-In-State Wealth Management Teams Ranking
Source: Forbes.com (Awarded 2024, 2025) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to issuance of the award.
Named to Five Star Wealth Manager Award: 2012, 2013, 2015, 2020, 2021, 2022, 2023, 2024
Source: fivestarprofessional.com (Awarded 2012, 2013, 2015, 2021, 2022, 2023, 2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2012 Award - 02/04/12 - 7/22/12
2013 Award - 02/04/13 - 7/22/13
2015 Award - 02/04/15 - 7/22/15
2021 Award - 11/30/20 - 6/25/21
2022 Award - 12/13/21 - 6/10/22
2023 Award –11/14/22 - 5/31/23
2024 Award –11/14/23 - 6/10/24
Named to NAPA’s list of America’s Top DC Plan Advisors for 2020
Source: napa-net.org (March 2021) Data compiled by NAPA based on self-reported assets under advisement as of Dec 31, 2020.
Securities Agent: AR, OH, MA, KY, DE, IL, AZ, NC, ME, FL, TN, MI, ID, CT, AL, UT, RI, WA, TX, CO, OR, NJ, MD, IN, GA, CA, VA, PA, WI, VT, SC, PR, NY, MO, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1285282
CA Insurance License #: 0157281
NMLS#: 1285282
CA Insurance License #: 0157281
About Nick Bhandari
Nick is a founding partner of the Horizon Group at Morgan Stanley and brings over 30 years of experience in various personal and corporate financial matters to the team, specializing in Corporate Retirement Plans of various designs and complexity. Along with his partners, Lisa Schiffer, Shane Austin, Chris Wynne and Jon Linder, the Horizon Group forms a multi-disciplinary Wealth Management team.
Prior to joining Morgan Stanley, Nick co-founded the wealth management division of Aprio, LLC; a Top 30 US based accounting firm. There he served as the division’s Managing Director for almost 10 years, working primarily with physicians, dentists, attorneys, and similar professional service entrepreneurs.
Nick is a long time Georgia resident receiving a Management degree from Georgia Tech. He continued his education and later obtained a Master’s degree in Finance from Suffolk University in Boston.
At Morgan Stanley, Nick is recognized as a Corporate Retirement Director, a distinction awarded to less than 3% of the firm’s advisors, showing his commitment to the retirement plan space. Nick focuses with his retirement plan clients as their strategic advocate, with a commitment to plan governance, compliance, and financial wellness for his client companies’ employees.
Nick also holds the CERTIFIED FINANCIAL PLANNER™ and Certified Plan Fiduciary Advisor designations and is an active member of the National Plan Advisors Association.
Nick resides in the East Cobb area of Metro Atlanta with his wife Allison. He enjoys golf, tennis and spending time outdoors.
Prior to joining Morgan Stanley, Nick co-founded the wealth management division of Aprio, LLC; a Top 30 US based accounting firm. There he served as the division’s Managing Director for almost 10 years, working primarily with physicians, dentists, attorneys, and similar professional service entrepreneurs.
Nick is a long time Georgia resident receiving a Management degree from Georgia Tech. He continued his education and later obtained a Master’s degree in Finance from Suffolk University in Boston.
At Morgan Stanley, Nick is recognized as a Corporate Retirement Director, a distinction awarded to less than 3% of the firm’s advisors, showing his commitment to the retirement plan space. Nick focuses with his retirement plan clients as their strategic advocate, with a commitment to plan governance, compliance, and financial wellness for his client companies’ employees.
Nick also holds the CERTIFIED FINANCIAL PLANNER™ and Certified Plan Fiduciary Advisor designations and is an active member of the National Plan Advisors Association.
Nick resides in the East Cobb area of Metro Atlanta with his wife Allison. He enjoys golf, tennis and spending time outdoors.
Securities Agent: VA, NY, ME, MA, CT, CO, CA, TX, MO, AL, DE, UT, PR, OH, NJ, ID, TN, RI, KY, SC, WI, PA, IN, DC, VT, NC, MI, MD, IL, FL, WA, GA, AZ, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 1282668
NMLS#: 1282668
About David Austin
Shane is a Georgia native and a founding partner of The Horizon Group at Morgan Stanley. He has been serving as a financial advisor in the Atlanta area for over 25 years and provides comprehensive financial planning and investment management for families throughout the United States. Additionally, Shane works with employer sponsored retirement plans, such as 401(k) and pension plans, providing investment management and consulting services.
Shane graduated from Georgia Tech with a degree in Management. Additionally, he has obtained the Chartered Financial Consultant and Chartered Retirement Plan Specialist designations and serves as an Alternative Investments Director for Morgan Stanley. He is a member of the National Association of Plan Advisors, and the Cobb County and Sandy Springs Chambers of Commerce.
Prior to joining Morgan Stanley, Shane was a Vice President/Senior Financial Advisor with the wealth management division of Habif, Arogeti & Wynne, a top 50 US based accounting firm. In addition to his work with high net worth families and businesses, Shane enjoys conducting seminars for various groups and businesses.
Shane resides in Sandy Springs, Georgia with his wife and two sons. He is a member and deacon of Johnson Ferry Baptist Church and enjoys playing golf, tennis and coaching basketball.
Shane graduated from Georgia Tech with a degree in Management. Additionally, he has obtained the Chartered Financial Consultant and Chartered Retirement Plan Specialist designations and serves as an Alternative Investments Director for Morgan Stanley. He is a member of the National Association of Plan Advisors, and the Cobb County and Sandy Springs Chambers of Commerce.
Prior to joining Morgan Stanley, Shane was a Vice President/Senior Financial Advisor with the wealth management division of Habif, Arogeti & Wynne, a top 50 US based accounting firm. In addition to his work with high net worth families and businesses, Shane enjoys conducting seminars for various groups and businesses.
Shane resides in Sandy Springs, Georgia with his wife and two sons. He is a member and deacon of Johnson Ferry Baptist Church and enjoys playing golf, tennis and coaching basketball.
Securities Agent: AZ, VA, MD, RI, PA, ID, DE, CO, TN, KY, CT, TX, SC, PR, FL, DC, AR, OH, NY, MI, IL, WI, MO, IN, WA, ME, AL, VT, NV, NJ, MA, GA, NC, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1279126
NMLS#: 1279126
About Christopher Wynne
Chris is a founding partner of The Horizon Group at Morgan Stanley and has spent over three decades in wealth management. He focuses on executives and women who manage their family finances and value having an advisor to help them oversee all aspects of their financial lives, including investment management, estate planning strategies, retirement planning, and cash management & lending. Chris currently holds several designations such as CFP®, ChFC®, and CLU® which shows his dedication to helping clients.
Chris earned a Bachelor of Science in Business Administration from the American University in Washington DC, and began his career in financial services with the Riggs National Bank. In 1993, he joined American Express Financial Advisors (now Ameriprise) where he formed a partnership with financial advisor, Lisa Taranto Schiffer, and spent 10 years with the firm. From 2003-2014, Chris became a Vice President for the wealth management division of Habif, Arogeti & Wynne, LLP (now Aprio), one of Georgia’s most prominent accounting and business advisory firms. Chris has served as a Senior Vice President and Financial Advisor with Morgan Stanley since 2014.
Chris earned a Bachelor of Science in Business Administration from the American University in Washington DC, and began his career in financial services with the Riggs National Bank. In 1993, he joined American Express Financial Advisors (now Ameriprise) where he formed a partnership with financial advisor, Lisa Taranto Schiffer, and spent 10 years with the firm. From 2003-2014, Chris became a Vice President for the wealth management division of Habif, Arogeti & Wynne, LLP (now Aprio), one of Georgia’s most prominent accounting and business advisory firms. Chris has served as a Senior Vice President and Financial Advisor with Morgan Stanley since 2014.
Securities Agent: VT, GA, PA, AR, PR, OH, FL, CO, TX, MA, IN, SC, ME, IL, CT, WI, WA, OR, NC, KY, DE, AZ, NY, NJ, MI, ID, VA, UT, RI, MD, DC, CA, AL, TN, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 1279128
NMLS#: 1279128
About Ryan Austin
Ryan is a Financial Advisor and Financial Planning Specialist with The Horizon Group. Ryan graduated summa cum laude from Georgia Tech with a bachelor's degree in Finance and a minor in Economics. After graduating, Ryan worked on the Financial Planning and Analysis team at RaceTrac Inc. and he has obtained his SIE, Series 7, and Series 66 licenses, as well as the Financial Planning Specialist designation. Ryan is the son of Horizon Group founding partner, Shane Austin, and together they are excited to help their clients and families achieve their goals and financial milestones.
Securities Agent: WA, PR, ID, AZ, AL, VA, NJ, KS, NV, MO, ME, IL, DC, VT, NC, MD, GA, FL, CO, KY, RI, PA, OH, MA, CT, NY, CA, AR, WI, TN, TX, SC, MI, IN, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 2419808
NMLS#: 2419808
About Amanda Kombosch
Amanda Kombosch is as Wealth Management Associate with over 18 years of experience in the financial services industry. Prior roles include the Group Director for the Horizon Group at Morgan Stanley, Vice President and Branch Leader at Fidelity, Associate at JP Morgan Wealth Management, and Senior Wealth Strategist at UBS.
As Wealth Management Associate, Amanda works closely with clients offering optimal wealth management solutions.
Amanda grew up in Atlanta, GA and Sudbury, MA, and earned her Bachelor of Science in Business Management from Providence College in Rhode Island. She currently resides in Sandy Springs, GA with her husband Tino, her son Colin, and her two dogs Max and Olive.
Outside of work, Amanda is an avid cook, and she loves to spend time outdoors with her family.
As Wealth Management Associate, Amanda works closely with clients offering optimal wealth management solutions.
Amanda grew up in Atlanta, GA and Sudbury, MA, and earned her Bachelor of Science in Business Management from Providence College in Rhode Island. She currently resides in Sandy Springs, GA with her husband Tino, her son Colin, and her two dogs Max and Olive.
Outside of work, Amanda is an avid cook, and she loves to spend time outdoors with her family.
About Sophia Johnston
Sophia Johnston joins The Horizon Group as a Registered Client Service Associate, responsible for the operational and administrative needs of our clients.
Sophia brings a wealth of knowledge and experience in the financial services industry. Prior to Morgan Stanley, Sophia worked with Bank of America / Merrill Lynch as a Financial Solutions Advisor, providing financial guidance to clients. She majored in Finance and graduated magna cum laude from Auburn University’s Raymond J. Harbert College of Business, with a Bachelor of Science in Business Administration. Sophia is originally from The Woodlands, TX and moved to Atlanta in 2022. In her spare time, she enjoys reading, traveling, art, and Auburn basketball.
Sophia brings a wealth of knowledge and experience in the financial services industry. Prior to Morgan Stanley, Sophia worked with Bank of America / Merrill Lynch as a Financial Solutions Advisor, providing financial guidance to clients. She majored in Finance and graduated magna cum laude from Auburn University’s Raymond J. Harbert College of Business, with a Bachelor of Science in Business Administration. Sophia is originally from The Woodlands, TX and moved to Atlanta in 2022. In her spare time, she enjoys reading, traveling, art, and Auburn basketball.
About Alex Cornett
Alex Cornett joined the Horizon Group as a Client Service Associate in August of 2024. Prior to joining our team, he was working for Morgan Stanley as a member of the Workplace Solutions Group where he was promoted to Participant Relationship Manager II. He also gained experience outside of the financial services industry through his prior roles as a salesman for a pneumatic company and in the mortgage industry for a startup company.
At Morgan Stanley, Alex is responsible for the operational and administrative needs of our clients to help ensure that they enjoy excellent service.
Alex grew up in Bowling Green, KY and earned a Bachelors in English from the University of Kentucky in 2012. He moved to Alpharetta, GA in 2016, where he currently lives with his wife, Cece, his kids, Gwen, Archer, and Valerie, and his dog, Louise.
Outside of work, Alex enjoys going to the movies, spending time with his family, and he also is the host and editor of a podcast.
At Morgan Stanley, Alex is responsible for the operational and administrative needs of our clients to help ensure that they enjoy excellent service.
Alex grew up in Bowling Green, KY and earned a Bachelors in English from the University of Kentucky in 2012. He moved to Alpharetta, GA in 2016, where he currently lives with his wife, Cece, his kids, Gwen, Archer, and Valerie, and his dog, Louise.
Outside of work, Alex enjoys going to the movies, spending time with his family, and he also is the host and editor of a podcast.
About Shane Lussier
Shane is a Registered Client Service Associate with The Horizon Group at Morgan Stanley. He earned his Bachelor of Science in Finance with a minor in Computer Science from Wofford College, where he was also a member of the baseball team. Before joining The Horizon Group, Shane began his career at Morgan Stanley as a Financial Planning Virtual Engagement Associate, during which he obtained his Series 7, Series 63, Series 65, and Financial Planning Specialist Designation.
Shane resides in Peachtree Corners with his wife. In his free time, he enjoys playing golf, watching sports, and spending time with family and friends.
Shane resides in Peachtree Corners with his wife. In his free time, he enjoys playing golf, watching sports, and spending time with family and friends.
Contact Lisa Schiffer
Contact Nick Bhandari
Contact David Austin
Contact Christopher Wynne
Contact Ryan Austin
Awards and Recognition
Forbes Best-In-State Wealth Advisors
2024-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Best-In-State Wealth Management Teams
2024-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
NAPA's Top DC Advisor Teams
2020 NAPA’s Top DC Advisor Teams Source: napa-net.org (March 2021) Data compiled by NAPA based on self-reported assets under advisement as of Dec 31, 2020.
Forbes America's Top Women Wealth Advisors
Forbes America's Top Women Wealth Advisors Source: Forbes.com (Awarded Mar 2021) Data compiled by SHOOK Research LLC based on time period from 9/30/19 - 9/30/20.
Five Star Wealth Advisor
fivestarprofessional.com (Awarded 2012, 2013, 2015, 2020, 2021, 2022, 2023).
The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period. Awards Disclosures
5
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
Nikki Roberts
Associate Private Banker
Mason Kumiega
Planning Associate
About Nikki Roberts
Nikki Roberts is a Private Banker serving Morgan Stanley Wealth Management offices in Georgia.
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.
Nikki began her career in financial services in 2007, and joined Morgan Stanley in 2017. Prior to joining the firm, she was a Senior Wealth Management Lending Officer at Merrill Lynch. She also served as a Private Banker and Investment Analyst at JP Morgan’s Private Bank.
Nikki is a graduate of The Wharton School at the University of Pennsylvania, where she received a Bachelor of Science in Economics. She lives in Alpharetta, Georgia. Outside of the office, Nikki enjoys reading, listening to live music, and skiing. She volunteers with the Leukemia & Lymphoma Society and the University of Pennsylvania Alumni Club.
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.
Nikki began her career in financial services in 2007, and joined Morgan Stanley in 2017. Prior to joining the firm, she was a Senior Wealth Management Lending Officer at Merrill Lynch. She also served as a Private Banker and Investment Analyst at JP Morgan’s Private Bank.
Nikki is a graduate of The Wharton School at the University of Pennsylvania, where she received a Bachelor of Science in Economics. She lives in Alpharetta, Georgia. Outside of the office, Nikki enjoys reading, listening to live music, and skiing. She volunteers with the Leukemia & Lymphoma Society and the University of Pennsylvania Alumni Club.
NMLS#: 821883
About Mason Kumiega
Mason J. Kumiega is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Mason provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
Mason earned his undergraduate degree from the University of North Carolina’s Kenan-Flagler Business School and received the Financial Planning Specialist® designation from the College for Financial Planning. Mason is originally from Massachusetts and currently resides in the Atlanta, Georgia area.
Mason earned his undergraduate degree from the University of North Carolina’s Kenan-Flagler Business School and received the Financial Planning Specialist® designation from the College for Financial Planning. Mason is originally from Massachusetts and currently resides in the Atlanta, Georgia area.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account.
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Working closely with you to guide your wealth and investments through the most challenging market cycles.
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529 Plans: A Powerful Tool to Save for Education
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Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
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A Simple Six-Step Retirement Checkup
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
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Financial Planning for Life After Selling a Business
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Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Horizon Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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 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.
4Morgan 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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 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.
4Morgan 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)