Jack Higbee, CFP®
Senior Vice President, Financial Advisor, Portfolio Management Director, Family Wealth Advisor, Alternative Investments Director, Workplace Advisor - Equity Compensation
Phone:
(845) 334-7909(845) 334-7909
The Hudson Valley NY Group at Morgan Stanley
Direct:
(845) 331-1900(845) 331-1900
Toll-Free:
(800) 962-7115(800) 962-7115
Industry Award WinnerOur Mission Statement
We are devoted to providing customized financial advice and portfolio management to our clients. Our goal is to build life-long relationships with the families, businesses and organizations we serve.
The Hudson Valley NY Group
OUR STORY
The Hudson Valley NY Group has an established team structure consisting of experienced investment and support professionals. With a legacy spanning over 40 years, our Financial Advisors prioritize integrity, ongoing education, transparency, and a commitment to service excellence.
OUR CLIENTS
We serve a diverse clientele including successful individuals, families, businesses, and non-profit organizations who value our comprehensive wealth management services. Our team offers tailored advice and personalized portfolio management strategies. Our clients, each unique in their personal and professional lives, are united by their dedication to planning their financial futures with the Hudson Valley NY Group.
Services Include
- Wealth ManagementFootnote1
- Retirement PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Financial PlanningFootnote4
- 401(k) Rollovers
- Endowments and FoundationsFootnote5
- Sustainable InvestingFootnote6
- Philanthropic Services
- Trust ServicesFootnote7
- Life InsuranceFootnote8
- Long Term Care InsuranceFootnote9
- Business Succession PlanningFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
OUR FIVE-STEP PROCESS
Our wealth management approach focuses on you, your family and your career – where you are today and where you want to go. Working together, we develop the strategies to help get you there, navigating life’s challenges and helping you make more informed decisions about your wealth.
1. Introductory Call
We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we all agree to move forward, we’ll schedule our next meeting and request important financial information.
2. Get To Know You Meeting
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you’ve prepared and define your priorities.
3. Analysis & Plan Development
Here, we utilize proprietary financial planning tools to develop a personalized and detailed plan with recommendations to help you grow, preserve and transfer your wealth.
4. Implementation
In this step, we present appropriate strategies that are designed to work together to achieve your goals. Upon your approval, we open new accounts for you at Morgan Stanley and initiate our investment recommendations. We’ll also begin to implement other strategies we’ve discussed. These often encompass tax minimization strategies, as well as risk management and estate planning techniques.
5. Ongoing Service
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. As we begin to execute each strategy, we’ll set up tools so you have immediate access to your account information. And because markets and personal needs evolve over time, we set up ongoing meetings to ensure your plan remains on schedule to achieve your goals.
Family Wealth Planning
Estate Planning Strategies
Working with our wealth centers team we look at all aspects of an individual's estate to understand the potential estate planning attributes of the vehicles. The goal is to make more informed investment decisions for the client by looking at their estate plan holistically.
Learn More
Estate Planning Toolkit
The Estate Planning toolkit is a great way to get familiar with the many techniques and strategies that can be implemented for high net worth individuals and their families. Included in the document below are 10 chapters covering various trust structures, and gifting strategies that can be considered for each level of wealth.
Read Here
The Power of Financial Planning
Financial planning is more than just investing. Tailored to your unique circumstances, a financial plan evolves with life’s changes to help keep you on track. It creates a road map to help you achieve your short- and long-term goals and to make data-driven decisions that reflect your priorities. Our research confirms that those with a financial plan experience healthier financial and mental well-being.
Learn More
Total Tax 365: Tax-Smart Investing. All Year Long.
Taxes act as a drag on your investment performance that can be heavier than any fee you pay. But they might also be the easiest to reduce, with the right strategies in place. Morgan Stanley Total Tax 365 offers a full spectrum of tax-efficient solutions to help mitigate the tax drag on your portfolio—so you can keep more of what you earn and improve after-tax returns.
Watch hereTOOLS & RESOURCES FOR BUSINESS OWNERS
Lending
Morgan Stanley offers lending opportunities: acquire & expand businesses; purchase machinery, equipment & inventory; refinance debt.
Succession Planning
Smoothly sell your business and reap the rewards of years of entrepreneurial savvy and hard work.
Custom Retirement Plan Design
We integrate qualified plans (defined benefit & defined contribution) and review non-qualified deferred compensation plans for improvements.
Employee Stock Ownership Plans
For 45 years, Morgan Stanley Global Stock Plan Services excels in administering corporate stock plans efficiently and effectively.
Connections to Legal & Tax Advisors
Assembling a team of trusted professionals to manage your career—and your money—is essential to help best position you to thrive.
Insurance
A sound wealth plan mitigates risks and protects your business, assets, and family with insurance products.
Learn More
Captive Insurance
Find out how you can potentially reduce risk, decrease taxes, and build wealth with this insurance strategy.
Corporate Mission Statements
We provide what's needed to reach goals, advance missions, and support your employees.
Family Governance
Achieve the exceptional feat of raising capable successors for your family enterprise with our guidance.
Learn MoreDigital Tools
Our comprehensive suite of digital tools are designed to help enhance various aspects of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
Morgan Stanley Reserved Living and Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn more About MS Reserved Living and Giving
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started TodayLocation
91 North Front Street
Kingston, NY 12401
US
Direct:
(845) 331-1900(845) 331-1900
Toll-Free:
(800) 962-7115(800) 962-7115
Meet The Hudson Valley NY Group
Jonathan P Meier, CRPC®, QPFC
Senior Vice President, Financial Advisor, Senior Portfolio Manager, Workplace Advisor - Equity Compensation
Phone:
(845) 334-7909(845) 334-7909
Anthony Rinaldi
First Vice President, Wealth Management, Financial Advisor, Portfolio Manager
Phone:
(941) 486-2217(941) 486-2217
Christopher DeForest
Vice President, Wealth Management, Financial Advisor, Workplace Advisor - Equity Compensation, Alternative Investments Director
Phone:
(845) 334-7931(845) 334-7931
Michelle Reihbandt
Business Development Associate
Phone:
(845) 334-7922(845) 334-7922
Alexandra Cunningham
Client Service Associate
Phone:
(845) 334-7909(845) 334-7909
About Jack Higbee
Jack Higbee is a Senior Vice President with more than 40 years of experience as a Financial Advisor. He focuses on providing personalized advice and solutions to financially successful individuals, families, businesses and non-profit organizations. Jack’s extensive knowledge of the financial services industry, coupled with his communication and teaching skills, allow him to deliver a comprehensive wealth management solution designed to help his clients achieve their financial goals.
Jack was raised in New York’s Hudson Valley. In 1981 he received a BA in Economics from The College of the Holy Cross in Worcester, MA and returned to the Hudson Valley to begin his career as a Financial Advisor. He became a Certified Financial Planner™ (CFP®) in 1987 demonstrating his commitment to financial planning early in his career. During his time at Merrill Lynch, Jack was named to their Chairman’s Club, a distinction reserved for successful financial advisors. In April of 2009, Jack and his team moved their practice to Morgan Stanley. He has continued the same level of success achieving the titles of Senior Vice President, Portfolio Management Director, Family Wealth Advisor and Insurance Planning Director. Jack has been a member of the Morgan Stanley Century Club since 2009, most recently in 2026.
Jack lives in Hudson, NY with his wife, Mary Ellen. She was his partner at Morgan Stanley until she retired in 2017. They have two children and six grandchildren.
Disclaimer:
Morgan Stanley Wealth Management Century Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Club membership is no guarantee of future performance.
Jack was raised in New York’s Hudson Valley. In 1981 he received a BA in Economics from The College of the Holy Cross in Worcester, MA and returned to the Hudson Valley to begin his career as a Financial Advisor. He became a Certified Financial Planner™ (CFP®) in 1987 demonstrating his commitment to financial planning early in his career. During his time at Merrill Lynch, Jack was named to their Chairman’s Club, a distinction reserved for successful financial advisors. In April of 2009, Jack and his team moved their practice to Morgan Stanley. He has continued the same level of success achieving the titles of Senior Vice President, Portfolio Management Director, Family Wealth Advisor and Insurance Planning Director. Jack has been a member of the Morgan Stanley Century Club since 2009, most recently in 2026.
Jack lives in Hudson, NY with his wife, Mary Ellen. She was his partner at Morgan Stanley until she retired in 2017. They have two children and six grandchildren.
Disclaimer:
Morgan Stanley Wealth Management Century Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Club membership is no guarantee of future performance.
Securities Agent: SC, NJ, GA, AL, VA, MN, ME, MA, AZ, UT, PA, NV, NC, CT, NY, MO, KY, IL, FL, CA, WA, MI, MD, DE, CO, AK, VT, TX, TN, OH, NH, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 1275785
NMLS#: 1275785
About Jonathan P Meier
Jonathan Meier is a Financial Advisor with over 20 years of investment experience. An avid student of the financial markets, he takes pleasure in educating and helping to guide clients through the financial planning and portfolio management process. Jonathan’s primary responsibilities include customized financial planning, investment research, asset allocation modeling, portfolio risk analysis and advisory account trading.
Jonathan is a graduate of The College of St. Rose in Albany, NY where he earned a Bachelor of Science degree. Jonathan began his career as a Financial Advisor in 2005 by completing the rigorous training program at Merrill Lynch. He earned the designation of Chartered Retirement Planning Counselor™ (CRPC®) in 2007. In 2009 Jonathan and his team moved their practice to Morgan Stanley where he became a certified Portfolio Manager and earned the title of Vice President.
Jonathan was born, raised and currently lives in Coxsackie, NY with his wife Deidre and their two young children. They are very active in the local Parent Teacher Organization hosting events and fundraising. Jonathan also enjoys prototype design, woodworking, and is a blue belt in Brazilian Jiu Jitsu.
Jonathan is a graduate of The College of St. Rose in Albany, NY where he earned a Bachelor of Science degree. Jonathan began his career as a Financial Advisor in 2005 by completing the rigorous training program at Merrill Lynch. He earned the designation of Chartered Retirement Planning Counselor™ (CRPC®) in 2007. In 2009 Jonathan and his team moved their practice to Morgan Stanley where he became a certified Portfolio Manager and earned the title of Vice President.
Jonathan was born, raised and currently lives in Coxsackie, NY with his wife Deidre and their two young children. They are very active in the local Parent Teacher Organization hosting events and fundraising. Jonathan also enjoys prototype design, woodworking, and is a blue belt in Brazilian Jiu Jitsu.
Securities Agent: VA, GA, VT, CO, UT, TN, NH, MD, CT, AZ, WV, WA, NY, MO, MN, DE, CA, NC, MI, FL, SC, OH, ME, MA, IN, AL, NV, TX, ID, PA, NJ, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 1275754
NMLS#: 1275754
About Anthony Rinaldi
After serving as a Naval Officer in the United States Navy for 7 years, Tony began working in the financial industry in 1994 for Merrill Lynch. He moved to Smith Barney in 2008, which eventually became Morgan Stanley. Tony focuses on building discrete portfolios of stocks, bonds and ETFs for his clients.
Tony grew up in Verona, PA. He attended Boston University where he earned a BS in Electrical Engineering. He and his wife, Wendi, currently live in Venice, FL.
Tony has been married to his wife for 31 years and has two sons, Ben and Owen. They also have one dog, Stella. Tony spends most of his free time enjoying activities with his family. He likes playing most sports, especially basketball and golf.
Tony grew up in Verona, PA. He attended Boston University where he earned a BS in Electrical Engineering. He and his wife, Wendi, currently live in Venice, FL.
Tony has been married to his wife for 31 years and has two sons, Ben and Owen. They also have one dog, Stella. Tony spends most of his free time enjoying activities with his family. He likes playing most sports, especially basketball and golf.
Securities Agent: AL, SC, MI, VA, NY, MN, FL, OH, TX, PA, MO, ME, IL, WA, NC, CT, VT, NJ, CA, TN, NV, GA, MD, MA, IN, DE, CO, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 1293969
NMLS#: 1293969
About Christopher DeForest
Chris is a Financial Advisor who joined Morgan Stanley in 2018. He focuses on providing personalized advice and solutions to individuals, families and businesses. He takes pleasure in helping clients identify their financial objectives and crafting a plan to help achieve them. Chris’ primary focus is on implementing customized financial planning and utilizing Morgan Stanley’s extensive alternative investment platform.
Chris was born and raised in Cottekill, NY. The second oldest of five boys, he grew up in a highly competitive atmosphere focused around academics and athletics. Chris received a scholarship to compete collegiately for the University of Illinois golf team, and upon graduating with Big-Ten honors athletically and academically, he enjoyed a 6 year professional golf career. His highlights include two seasons on the Web.com Tour and competing in the 2011 US Open at Congressional Country Club. Chris has since transitioned his competitiveness and passion into Financial Services, where he prides himself on building strong relationships, and assisting clients with achieving their goals.
Chris currently resides in Kingston with his wife, Alexandra, and their three daughters, Cahill, Rollins, and Heppner. While golf still plays an important role in Chris’ life, it has taken a back seat to caring for his family and serving his growing client base.
Chris was born and raised in Cottekill, NY. The second oldest of five boys, he grew up in a highly competitive atmosphere focused around academics and athletics. Chris received a scholarship to compete collegiately for the University of Illinois golf team, and upon graduating with Big-Ten honors athletically and academically, he enjoyed a 6 year professional golf career. His highlights include two seasons on the Web.com Tour and competing in the 2011 US Open at Congressional Country Club. Chris has since transitioned his competitiveness and passion into Financial Services, where he prides himself on building strong relationships, and assisting clients with achieving their goals.
Chris currently resides in Kingston with his wife, Alexandra, and their three daughters, Cahill, Rollins, and Heppner. While golf still plays an important role in Chris’ life, it has taken a back seat to caring for his family and serving his growing client base.
Securities Agent: NY, CA, PA, OH, ME, MI, MA, IN, AL, TN, CO, VA, CT, NV, MO, VT, TX, SC, DE, NC, GA, WA, MD, AZ, NJ, MN, IL, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1785341
NMLS#: 1785341
About Michelle Reihbandt
Michelle Reihbandt is a Business Development Associate with the Hudson Valley NY Group. She has been with Morgan Stanley since 2018 and in the financial industry for 17 years.
Michelle guides clients and prospects through the account inception and discovery process and remains hands on through the life cycle of an account. Her knowledge of the administrative processes and firm procedures is an asset to the team.
Within the Hudson Valley NY Group, Michelle leads their client service department, manages the team marketing and digital presence, and commits to a proactive role in firm developments. She is a member of the Central Eastern New York Women in Wealth chapter. In 2022 Michelle was awarded Morgan Stanley’s Field Service Champion award, given to select professionals each year. She also serves as a Market Coach for her peers in the client service department, promoting firm resources, piloting new programs and collaborating with management on best practices for efficiency and progress.
Michelle is fully registered, receiving her Series 7 and Series 66 license. She resides in Port Ewen, NY with her family. She is an active member in the local CrossFit gym, on the board of the Kingston Youth Baseball and Softball Association, and is an avid reader.
Michelle guides clients and prospects through the account inception and discovery process and remains hands on through the life cycle of an account. Her knowledge of the administrative processes and firm procedures is an asset to the team.
Within the Hudson Valley NY Group, Michelle leads their client service department, manages the team marketing and digital presence, and commits to a proactive role in firm developments. She is a member of the Central Eastern New York Women in Wealth chapter. In 2022 Michelle was awarded Morgan Stanley’s Field Service Champion award, given to select professionals each year. She also serves as a Market Coach for her peers in the client service department, promoting firm resources, piloting new programs and collaborating with management on best practices for efficiency and progress.
Michelle is fully registered, receiving her Series 7 and Series 66 license. She resides in Port Ewen, NY with her family. She is an active member in the local CrossFit gym, on the board of the Kingston Youth Baseball and Softball Association, and is an avid reader.
About Alexandra Cunningham
Alexandra Cunningham joined Morgan Stanley as a Client Service Associate in 2022 and has worked in the financial services industry since 2012. She began her career at Ulster Savings Bank where her most recent position was New Account Representative. Following the bank, she was employed with Empower Retirement, a major recordkeeper for retirement accounts, as a Participant Services Representative.
Alexandra received her Bachelor of Science in Business Administration with an emphasis in Finance from Marist College in 2012. She went on to receive her Master of Science in Finance from Southern New Hampshire University in 2019.
As a Client Service Associate, Alexandra is the point of first contact for clients of the Hudson Valley NY Group at Morgan Stanley and is responsible for a variety of administrative and operational duties for the team. With both her education and work experience focused on finance she is well equipped to deliver a superior level of client service.
Alexandra resides in Saugerties, NY. She loves outdoor activities such as hiking, playing tennis, and traveling to see new states and National Parks.
Alexandra received her Bachelor of Science in Business Administration with an emphasis in Finance from Marist College in 2012. She went on to receive her Master of Science in Finance from Southern New Hampshire University in 2019.
As a Client Service Associate, Alexandra is the point of first contact for clients of the Hudson Valley NY Group at Morgan Stanley and is responsible for a variety of administrative and operational duties for the team. With both her education and work experience focused on finance she is well equipped to deliver a superior level of client service.
Alexandra resides in Saugerties, NY. She loves outdoor activities such as hiking, playing tennis, and traveling to see new states and National Parks.
Contact Jack Higbee
Contact Jonathan P Meier
Contact Anthony Rinaldi
Contact Christopher DeForest
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2025-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2025-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
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 Hudson Valley NY 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan 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.
4Morgan 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Investing 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.
7Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan 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.
4Morgan 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Investing 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.
7Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
