Ira Hershkowitz, CFP®, CRPC®
Managing Director, Wealth Management, Financial Advisor, Alternative Investments Director
Phone:
(425) 453-3487(425) 453-3487
The HWC Group at Morgan Stanley
Ira Hershkowitz, CFP®, CRPC®Matthew Westphal, CFP®Erin Westphal, CRPC®Ryan Clemens, CRPC®Lamar NeagleNicholas Zura, CFP®
Bellevue:
(425) 453-3492(425) 453-3492
Industry Award WinnerOur Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
OUR STORY AND SERVICES
Our practice follows these core principles:
Transparency – Straightforward advice as fiduciaries.
Value – A determined focus on maximizing after tax, risk adjusted returns.
Prudence - Preserving and thoughtfully growing our clients' wealth over time.
Simplicity – Employing common sense, time tested techniques for managing wealth and passing it on.
The HWC Group at Morgan Stanley understands that great wealth can create complexity. Investment strategies become more sophisticated, estate planning and succession issues can loom large, and even philanthropic efforts can complicate your life. Our role is to provide access to the skills and resources required to help our clients meet these myriad of challenges while simplifying their financial life. We begin with a financial plan to provide a roadmap from where our clients are today to their future goals. We leverage our network of professionals as well as Morgan Stanley's global resources, intellectual capital, and unparalleled open-architecture platform to create sophisticated solutions to help ensure our clients' families and their legacies are secure for generations to come.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
- Ira, Matt, and Nick are Certified Financial Planners (CFP®)
- Ira, Erin and Ryan are Chartered Retirement Planning Counselors (CRPC®)
- Lamar is a Global Sports and Entertainment Associate Director
Forbes Best-In-State Wealth Management Teams
For the years 2025 and 2023, The HWC Group received the Forbes Best-ln-State Wealth Management Teams.
Forbes America's Top Wealth Management Teams
Source: Forbes.com (Awarded 2023 and 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.
https://www.morganstanley.com/disclosures/awards-disclosure/
Barron's Top 1200 Financial Advisor
In years 2010, 2014, 2015, 2016, 2017, 2020, and 2021 Ira was listed as one of the top 1,200 financial advisors in Barron's.
2010;2014;2015;2016;2017;2020;2021 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2010;2014;2015;2016;2017;2020;2021). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Forbes Best-in-State Wealth Advisor
For the years of 2025, 2022, 2021, 2020, 2019 and 2018, both Ira and Matt were listed in Forbes for the Best-ln-State Wealth Advisors.
2018, 2019, 2020, 2021, 2022, and 2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2019, 2020, 2021, 2022, and 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Certifications
The HWC Group has acquired the following designations
in their field in order to help serve their clients:
Ira has received the Fundamentals of Alternative Investments Certificate. He has earned knowledge and expertise in the alternative investments and the credibility that comes with it.
Morgan Stanley offers a number of online and digital tools that are designed to enhance your modern wealth management experience. If you would like to learn more about these tools, please visit the links below.
Morgan Stanley Online
Your investments and everyday finances are always just a
few clicks away with Morgan Stanley Online (MSO) and
the Morgan Stanley Mobile App.
Learn More About MSOfew clicks away with Morgan Stanley Online (MSO) and
the Morgan Stanley Mobile App.
Morgan Stanley Online Login
Click the link below to login to your Morgan Stanley Online
account.
MSO Loginaccount.
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 and Enroll in Total Wealth Viewlinking your account information, you will benefit from
more informed wealth planning, more secure data access,
and convenient connectivity.
Online Security
At Morgan Stanley, safeguarding your assets and
personal information is among our highest priorities.
Learn about our security measures and use our resources
and ideas to help protect yourself online.
Our Security Resourcespersonal information is among our highest priorities.
Learn about our security measures and use our resources
and ideas to help protect yourself online.
Goal Planning System (GPS)
Our Goals Planning System is built on Morgan Stanley's
intellectual capital and capabilities, to provide you with
comprehensive investing and planning solutions for your
individual goals. Contact us to begin your plan today.
Learn More About GPSintellectual capital and capabilities, to provide you with
comprehensive investing and planning solutions for your
individual goals. Contact us to begin your plan today.
MSO Mobile App
The Morgan Stanley Mobile App gives you the same
capabilities as Morgan Stanley Online all from the
convenience of your own phone. It also offers features to
simplify your everyday finances. These include mobile
check deposit and send Money with Zelle.
Download the MSO Mobile Appcapabilities as Morgan Stanley Online all from the
convenience of your own phone. It also offers features to
simplify your everyday finances. These include mobile
check deposit and send Money with Zelle.
eServices
Send/receive wire transfers, review your monthly
statements and safely store your important documents
with our suite of eServices. With eDelivery, eAuthorization,
eSign and our Digital Vault you can avoid the hassle of
paper and monitor your accounts from your MSO account
and the MSO mobile app.
Learn More and Enrollstatements and safely store your important documents
with our suite of eServices. With eDelivery, eAuthorization,
eSign and our Digital Vault you can avoid the hassle of
paper and monitor your accounts from your MSO account
and the MSO mobile app.
Digital Vault
The Digital Vault allows you to build a centralized library
for all your documents using encryption.
Learn Morefor all your documents using encryption.
Valuable Tools and Materials
We believe financial education leads to better insights into our investment strategy and discipline. As a result, we are committed to providing you with timely market research to help you navigate today’s global markets. Below are a few resources that are offered to our clients from our Chief Investment Office (CIO) at Morgan Stanley.
Monthly Investment perspectives Webcast
Mike Wilson, Morgan Stanley’s Chief Investment Officer, provides his monthly perspective on the market.
Click Here to Access Webcast
The Global Investment Committee Weekly
This weekly publication by Lisa Shallet, Chief Investment Officer and head of the Global Investment Committee, offers timely insights into current market events.
Click Here to Read Commentary
On the Markets
Each month, Morgan Stanley provides a research report titled “On the Markets” which summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape.
Click Here to Read On the MarketsLocation
500 108th Ave. NE, Suite 1900
(stay to the left of the median wall to enter parking garage)
Bellevue, WA 98004
US
Direct:
(425) 453-3492(425) 453-3492
50 A1A North
Suite 112
Ponte Vedra Beach, FL 32082
US
Meet The HWC Group
Matthew Westphal, CFP®
Executive Director, Financial Advisor
Phone:
(425) 453-3488(425) 453-3488
Erin Westphal, CRPC®
First Vice President, Financial Advisor
Phone:
(425) 453-3489(425) 453-3489
Ryan Clemens, CRPC®
First Vice President, Financial Advisor, Corporate Retirement Director
Phone:
(425) 453-3490(425) 453-3490
Phone:
(425) 451-3314(425) 451-3314
Nicholas Zura, CFP®
Financial Advisor
Phone:
(425) 453-5831(425) 453-5831
Heather Henke
Wealth Management Associate
Phone:
(425) 453-6911(425) 453-6911
Hannah Neal
Wealth Management Associate
Phone:
(425) 453-3491(425) 453-3491
Leigh Peak
Registered Client Service Associate
Phone:
(904) 543-6952(904) 543-6952
Henry Vickers
Registered Client Service Associate
Phone:
(425) 453-3493(425) 453-3493
About Me
Ira Hershkowitz is a Managing Director, Financial Advisor and founding partner of the Hershkowitz-Westphal-Clemens Group at Morgan Stanley in Bellevue. Ira holds the CERTIFIED FINANCIAL PLANNER™ certification awarded by the Certified Financial Planner Board of Standards, Inc. Prior to being at Morgan Stanley, he had been with Merrill Lynch Wealth Management since 1995. He has a J.D. from the U.C.L.A. School of Law (not practicing at Morgan Stanley) and a B.S. in Business Administration with a Concentration in Economics from the Wharton School of Business of the University of Pennsylvania. Ira was named to the Barron's "Top 1,200 Financial Advisors" list in 2021*, 2020, 2017, 2016, 2015, 2014 and 2010. He was also recognized in Forbes "Best-in-State Wealth Advisors" list in February 2025*, 2022, 2021, 2020, 2019 and 2018.
The most treasured thing I own: An autographed menu from Jilly’s Restaurant, a famous NYC watering hole for the Rat Pack.
Favorite place I’ve travelled: Sicily, it’s like going back in time. Great pizza too.
One piece of advice: ‘Never give in,…-in nothing, great or small, large or petty, -never give in except to convictions of honor and good sense’. Winston Churchill
Hobbies & Interests: Playing and studying the drums…a lifelong aspiration that I realized during the pandemic. I also enjoy going to Trivia Nights at local spots with friends and family.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the U.S.
The College for Financial Planning Institutes Corp. owns the service marks Chartered Retirement Planning Counselor℠, CRPC®, and the CRPC® logo, and the certification marks Chartered Retirement Planning Counselor™, CRPC™, and the CRPC™ logo.
2018, 2019, 2020, 2021, 2022, 2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2010;2014;2015;2016;2017;2020;2021 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2010;2014;2015;2016;2017;2020;2021). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
The most treasured thing I own: An autographed menu from Jilly’s Restaurant, a famous NYC watering hole for the Rat Pack.
Favorite place I’ve travelled: Sicily, it’s like going back in time. Great pizza too.
One piece of advice: ‘Never give in,…-in nothing, great or small, large or petty, -never give in except to convictions of honor and good sense’. Winston Churchill
Hobbies & Interests: Playing and studying the drums…a lifelong aspiration that I realized during the pandemic. I also enjoy going to Trivia Nights at local spots with friends and family.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the U.S.
The College for Financial Planning Institutes Corp. owns the service marks Chartered Retirement Planning Counselor℠, CRPC®, and the CRPC® logo, and the certification marks Chartered Retirement Planning Counselor™, CRPC™, and the CRPC™ logo.
2018, 2019, 2020, 2021, 2022, 2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2010;2014;2015;2016;2017;2020;2021 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2010;2014;2015;2016;2017;2020;2021). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Securities Agent: AZ, ID, CO, CA, TX, PA, NY, NV, NM, MI, CT, FL, HI, WY, MD, GA, WA, VA, TN, MN, IN, DC, NJ, MT, UT, OR, NC, LA, SC, OH, MA, IL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 526535
NMLS#: 526535
About Me
Matt Westphal is an Executive Director, Financial Advisor, and a founding partner of the Hershkowitz-Westphal-Clemens Group at Morgan Stanley in Bellevue. Matt holds the CERTIFIED FINANCIAL PLANNER™ certification awarded by the Certified Financial Planner Board of Standards, Inc. He received his B.A. in Finance from Western Washington University. Prior to joining Morgan Stanley, he was a Financial Advisor at Merrill Lynch Wealth Management since 1998. Matt works closely with his clients to build a customized wealth management strategy that is flexible as their needs and market conditions change. When appropriate, he works with clients' attorneys, accountants, and other advisors to help coordinate their financial and legacy strategies on matters such as sale of a business, concentrated stock positions, retirement planning, wealth management and wealth transfer. Matt was named to the Forbes "Best-in-State Wealth Advisors" list, April 2022 for the 5th consecutive year.
The most treasured thing I own: My golf clubs
A book recommendation: The Book Thief
One piece of advice: Find a good career/life mentor you trust and like
If I could have one superpower, it would be… scratch golfer
2018, 2019, 2020, 2021, 2022, 2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2017-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the U.S.
The most treasured thing I own: My golf clubs
A book recommendation: The Book Thief
One piece of advice: Find a good career/life mentor you trust and like
If I could have one superpower, it would be… scratch golfer
2018, 2019, 2020, 2021, 2022, 2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2017-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the U.S.
Securities Agent: FL, MI, OH, TN, NJ, WA, WY, VA, UT, TX, SC, PA, OR, NY, NV, NM, NC, MT, MN, MD, MA, LA, IN, ID, HI, GA, DC, CT, CO, CA, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 526600
NMLS#: 526600
About Me
Erin Westphal is a Financial Advisor, First Vice President and holds the designation of Chartered Retirement Planning Counselor℠. When working with clients, Erin strives to simplify complex financial and investment issues, believing this approach makes discussions more interesting and engaging and leads to better collective decisions. Her focus is on developing strategies and providing investment guidance for individuals, their families, and their business by understanding their short and long-term financial goals.
She graduated from Western Washington University with a B.A. in Business with dual concentrations in Marketing and Finance. Prior to joining Morgan Stanley, Erin was with Merrill Lynch since 2001 after having worked as an analyst for a Seattle-based technology company.
Erin lives on Mercer Island with her husband Matt and two daughters. She enjoys interior design, reading, going for long walks while listening to podcasts and travelling the world.
A book recommendation: I’m a avid reader of books- not on a Kindle or tablet but a well-loved, slightly dusty, dog-eared paper book. It would be impossible to recommend just one so a few of my recent favorites are: “The Great Alone” by Kristin Hannah (really anything by Kristin Hannah), “Beneath a Marble Sky” by John Shors, “Book Woman of Troublesome Creek” by Kim Michele Richardson and “Where the Crawdads Sing” by Delia Owens.
Favorite place I’ve travelled: “Though you may leave Paris, Paris never really leaves you.” I love it all- the architecture, food, clothing, language, and sheer beauty. Even the ice cream cones are shaped like roses. Magnifique!
One piece of advice: “Do the best you can until you know better. Then when you know better, do better.”- Maya Angelou
The College for Financial Planning Institutes Corp. owns the service marks Chartered Retirement Planning Counselor℠, CRPC®, and the CRPC® logo, and the certification marks Chartered Retirement Planning Counselor™, CRPC™, and the CRPC™ logo.
She graduated from Western Washington University with a B.A. in Business with dual concentrations in Marketing and Finance. Prior to joining Morgan Stanley, Erin was with Merrill Lynch since 2001 after having worked as an analyst for a Seattle-based technology company.
Erin lives on Mercer Island with her husband Matt and two daughters. She enjoys interior design, reading, going for long walks while listening to podcasts and travelling the world.
A book recommendation: I’m a avid reader of books- not on a Kindle or tablet but a well-loved, slightly dusty, dog-eared paper book. It would be impossible to recommend just one so a few of my recent favorites are: “The Great Alone” by Kristin Hannah (really anything by Kristin Hannah), “Beneath a Marble Sky” by John Shors, “Book Woman of Troublesome Creek” by Kim Michele Richardson and “Where the Crawdads Sing” by Delia Owens.
Favorite place I’ve travelled: “Though you may leave Paris, Paris never really leaves you.” I love it all- the architecture, food, clothing, language, and sheer beauty. Even the ice cream cones are shaped like roses. Magnifique!
One piece of advice: “Do the best you can until you know better. Then when you know better, do better.”- Maya Angelou
The College for Financial Planning Institutes Corp. owns the service marks Chartered Retirement Planning Counselor℠, CRPC®, and the CRPC® logo, and the certification marks Chartered Retirement Planning Counselor™, CRPC™, and the CRPC™ logo.
Securities Agent: IN, NJ, OH, TN, WA, WY, VA, UT, TX, SC, PA, OR, NY, NV, NM, NC, MT, MN, MI, MD, MA, LA, ID, HI, GA, FL, DC, CT, CO, CA, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 526598
NMLS#: 526598
About Me
Ryan Clemens is a Financial Advisor & First Vice President at Morgan Stanley Wealth Management. Prior to joining Morgan Stanley, Ryan Clemens was with Merrill Lynch for 10 years after having worked eight years in Sports Management and Business Operations. Ryan holds the designation of Chartered Retirement Planning Counselor℠, Certified Plan Fiduciary Advisor™, and is a Corporate Retirement Director with a focus on private wealth management and corporate retirement benefit plans. He earned his bachelor’s degree in Business Administration and Economics while majoring in Marketing at New Mexico State University. Ryan follows a disciplined process that begins with first developing a financial plan by taking the time to fully understand his clients objectives, needs, and tax considerations. He then builds an investment strategy that focuses on those priorities.
Ryan lives in Ponte Vedra Beach, FL with his wife and 4 young children. He enjoys cooking, fishing, golfing and most recently has taken up surfing.
Favorite book: Most of my reading time is spent with my kiddos. The consensus favorite seems to be the bedtime classic by Margaret Wise Brown, Goodnight Moon
Favorite Quote: “Opportunity is missed by most people because it is dressed in overalls and looks like work” – Thomas Edison
Favorite Destination: Off the grid camping – destination unknown. Our family’s antidote for exhaustion is nature. “Wilderness is not a luxury but a necessity of the human spirit.” – Edward Abbey
The College for Financial Planning Institutes Corp. owns the service marks Chartered Retirement Planning Counselor℠, CRPC®, and the CRPC®, and the certification marks Chartered Retirement Planning Counselor™, CRPC™, and the CRPC™.
Ryan lives in Ponte Vedra Beach, FL with his wife and 4 young children. He enjoys cooking, fishing, golfing and most recently has taken up surfing.
Favorite book: Most of my reading time is spent with my kiddos. The consensus favorite seems to be the bedtime classic by Margaret Wise Brown, Goodnight Moon
Favorite Quote: “Opportunity is missed by most people because it is dressed in overalls and looks like work” – Thomas Edison
Favorite Destination: Off the grid camping – destination unknown. Our family’s antidote for exhaustion is nature. “Wilderness is not a luxury but a necessity of the human spirit.” – Edward Abbey
The College for Financial Planning Institutes Corp. owns the service marks Chartered Retirement Planning Counselor℠, CRPC®, and the CRPC®, and the certification marks Chartered Retirement Planning Counselor™, CRPC™, and the CRPC™.
Securities Agent: CA, TX, NY, AZ, CT, WA, MT, HI, NJ, NV, MI, ID, DC, UT, NM, NC, LA, FL, OR, MN, MA, VA, OH, MD, IN, CO, WY, TN, PA, SC, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1064736
NMLS#: 1064736
About Lamar Neagle
Lamar Neagle is a Financial Advisor at Morgan Stanley. His experience in business and sports led him to pursue his Global Sports and Entertainment Associate Director designation. Lamar focuses on educating clients, helping them understand the "why" behind the strategy and investments. He believes empowering clients with an understanding provides context and ensures clear communication that establishes and strengthens trust.
Lamar lives in Bonney Lake with his wife, Natalie, and three kids. He continues to be involved in soccer as a Co-Founder of Ballard FC & Salmon Bay FC, sports commentating for the Sounders and supporting multiple non-profits based around the sport.
Hobbies and Interests: With young kids, their interests have currently taken the front seat; soccer, basketball, dance, flag football, baseball, skiing and the occasional trampoline park.
Favorite place I've travelled: A month long trip with my wife to Southeast Asia, traveling to multiple destinations for different adventures, with stops in Kuala Lumpur, Jakarta, Ubud and a few others.
Lamar lives in Bonney Lake with his wife, Natalie, and three kids. He continues to be involved in soccer as a Co-Founder of Ballard FC & Salmon Bay FC, sports commentating for the Sounders and supporting multiple non-profits based around the sport.
Hobbies and Interests: With young kids, their interests have currently taken the front seat; soccer, basketball, dance, flag football, baseball, skiing and the occasional trampoline park.
Favorite place I've travelled: A month long trip with my wife to Southeast Asia, traveling to multiple destinations for different adventures, with stops in Kuala Lumpur, Jakarta, Ubud and a few others.
Securities Agent: OH, KY, MA, UT, AR, RI, NM, NJ, NC, GA, CA, MD, LA, MI, DC, CT, TN, ND, IL, CO, AK, WA, TX, OR, MT, MO, KS, SD, PA, NY, MN, IN, MS, WY, SC, PR, NE, FL, DE, AZ, WI, VA, ID, HI, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 2147101
NMLS#: 2147101
About Nicholas Zura, CFP®
Nick Zura is a Financial Advisor at Morgan Stanley. He holds the CERTIFIED FINANCIAL PLANNER™ certification awarded by the Certified Financial Planner Board of Standards, Inc. Nick received his B.S. in Business Administration with a concentration in Economics from Gonzaga University. Nick has been with Morgan Stanley since 2008, specializing in financial planning with a focus on equity compensation and estate planning. He helps clients navigate the complexities of asset protection, wealth transfer and multigenerational planning.
Nick resides in Renton, WA with his wife Lindsey. When they’re not on the tennis court you’ll find them exploring the Northwest with their rescue dog Luna.
Favorite place I’ve travelled: Truffle hunting in Burgundy, France. A truly unforgettable experience.
Nick resides in Renton, WA with his wife Lindsey. When they’re not on the tennis court you’ll find them exploring the Northwest with their rescue dog Luna.
Favorite place I’ve travelled: Truffle hunting in Burgundy, France. A truly unforgettable experience.
Securities Agent: MS, CO, OR, NV, CA, WI, WA, VI, SD, OH, NH, MN, KY, AR, TX, PR, MI, GA, CT, WY, OK, NE, IL, ID, DE, DC, UT, ND, TN, NJ, MD, AZ, WV, VT, NY, IN, IA, HI, AL, AK, VA, NC, MO, ME, FL, MT, KS, SC, RI, PA, NM, MA, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 2714198
NMLS#: 2714198
About Heather Henke
Prior to joining Morgan Stanley in 2021, Heather worked as an Investment Product Development Manager for a large mutual fund company where she started her investment industry career in 2013. Heather obtained her BA in Finance from the University of Wisconsin – Oshkosh.
Heather was born and raised in the greater Madison, Wisconsin area on a 500-acre dairy farm where she learned the value of hard work and planning for the future from a young age. She relocated to Washington in 2018 with her Husband, a Seattle native. Heather looks forward to developing close relationships with each client so she can help address their greatest concerns and help them achieve their financial goals.
Favorite place I’ve travelled: I love to travel so it’s hard to narrow it down to just one – but if forced to choose I’d have to say Ecuador. During college I did a summer internship at a government bank in Ecuador and the experience has stuck with me ever since. With this being a solo trip for an extended period I got to learn so much about myself and what I’m capable of while making lifelong friends in a beautiful country. This trip also came with the bonus of becoming much more grateful for things I previously didn’t think twice about (ahem – running water!)
One piece of advice: My dad used to always tell me “Never leave for tomorrow what you can do today”. Keeping this as my daily motto has already saved me on countless occasions. You never know what the next day is going to bring so always better to get things done right away!
Hobbies & Interests: My husband always refers to me as chameleon due to my wide array of interests. But you’re most likely to find me out wine tasting (or really any local food & beverage event) or watching reruns of Friends while working on my latest knitting project.
Heather was born and raised in the greater Madison, Wisconsin area on a 500-acre dairy farm where she learned the value of hard work and planning for the future from a young age. She relocated to Washington in 2018 with her Husband, a Seattle native. Heather looks forward to developing close relationships with each client so she can help address their greatest concerns and help them achieve their financial goals.
Favorite place I’ve travelled: I love to travel so it’s hard to narrow it down to just one – but if forced to choose I’d have to say Ecuador. During college I did a summer internship at a government bank in Ecuador and the experience has stuck with me ever since. With this being a solo trip for an extended period I got to learn so much about myself and what I’m capable of while making lifelong friends in a beautiful country. This trip also came with the bonus of becoming much more grateful for things I previously didn’t think twice about (ahem – running water!)
One piece of advice: My dad used to always tell me “Never leave for tomorrow what you can do today”. Keeping this as my daily motto has already saved me on countless occasions. You never know what the next day is going to bring so always better to get things done right away!
Hobbies & Interests: My husband always refers to me as chameleon due to my wide array of interests. But you’re most likely to find me out wine tasting (or really any local food & beverage event) or watching reruns of Friends while working on my latest knitting project.
About Hannah Neal
Hannah rejoined the HWC Group at Morgan Stanley in May 2023. She previously worked with the team from 2018-2020 and is excited to have returned to our clients and team!
Hannah grew up in nearby Edmonds, Washington. After graduating from Loyola Marymount University, she started her financial services career with Wells Fargo Advisors in Los Angeles, eventually returning home to Edmonds in 2018. She has remained in the financial services industry ever since and brings over a decade of experience. She strives to deliver service with a smile and make your day better however she can.
When not at work, you can usually find Hannah hanging with her little girl, who she and her husband Dan welcomed in July 2024. She also loves cooking, running, and long walks with her senior pup, Fouts, who she and Dan adopted in 2022.
One piece of advice: Life’s too short – eat the whole pizza.
Favorite place I’ve travelled: Italy. All of it was amazing, but I DREAM about the food.
Next dream destination: Going back to Italy!
Hannah grew up in nearby Edmonds, Washington. After graduating from Loyola Marymount University, she started her financial services career with Wells Fargo Advisors in Los Angeles, eventually returning home to Edmonds in 2018. She has remained in the financial services industry ever since and brings over a decade of experience. She strives to deliver service with a smile and make your day better however she can.
When not at work, you can usually find Hannah hanging with her little girl, who she and her husband Dan welcomed in July 2024. She also loves cooking, running, and long walks with her senior pup, Fouts, who she and Dan adopted in 2022.
One piece of advice: Life’s too short – eat the whole pizza.
Favorite place I’ve travelled: Italy. All of it was amazing, but I DREAM about the food.
Next dream destination: Going back to Italy!
About Leigh Peak
Leigh joined Morgan Stanley in 2011 as a Registered Client Service Associate and has a background in the banking and insurance industries. She strives to ensure every client receives excellent service and care in a timely manner.
Leigh graduated with honors from the University of North Florida with a B.S. degree in Business Administration and a minor in International Business. She studied abroad in Provence, France and has traveled throughout Europe.
Leigh and her husband Terry have two sons: Aiden & Ryan. They enjoy traveling, especially to Canada to visit Terry's immediate family. Her many interests include music and the arts, animal advocacy and most importantly, spending time with family.
Favorite Place to Travel: Rome, Italy
Leigh graduated with honors from the University of North Florida with a B.S. degree in Business Administration and a minor in International Business. She studied abroad in Provence, France and has traveled throughout Europe.
Leigh and her husband Terry have two sons: Aiden & Ryan. They enjoy traveling, especially to Canada to visit Terry's immediate family. Her many interests include music and the arts, animal advocacy and most importantly, spending time with family.
Favorite Place to Travel: Rome, Italy
About Henry Vickers
Henry joined the HWC Group in 2024, having previously worked in Morgan Stanley’s operations department and at the University of Washington Alumni Association. Henry is a Puget Sound native, and it is from the University of Washington that he earned a BS in Economics, with a certificate in Quantitative Managerial Economics & minor in Hellenic Studies.
As a Registered Client Service Associate, Henry acts as a liaison for our clients, using his experience and skills to help them work towards their personal financial goals.
Favorite Quote: “Don’t cry because it’s over. Smile because it happened.” I have always found solace in this quote. It helps remind me that life is what we make of it.
Favorite place to travel: Nafplio, Greece. Being a novice historian, I am incredibly grateful for the opportunity to have spent time studying and traveling in Greece. Nafplio beautifully preserves architecture from Antiquity, Byzantine, Frankish, Venetian, Ottoman, and Modern eras. The seafood and the Greek sunset certainly don’t hurt either.
As a Registered Client Service Associate, Henry acts as a liaison for our clients, using his experience and skills to help them work towards their personal financial goals.
Favorite Quote: “Don’t cry because it’s over. Smile because it happened.” I have always found solace in this quote. It helps remind me that life is what we make of it.
Favorite place to travel: Nafplio, Greece. Being a novice historian, I am incredibly grateful for the opportunity to have spent time studying and traveling in Greece. Nafplio beautifully preserves architecture from Antiquity, Byzantine, Frankish, Venetian, Ottoman, and Modern eras. The seafood and the Greek sunset certainly don’t hurt either.
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Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2023, 2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023, 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.
Barron's Top 1,200 Financial Advisors: State-by-State
2010, 2014-2017, 2020-2021 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State) Source: Barrons.com (Awarded 2010, 2014-2017, 2020-2021). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisors
2018-2022, 2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2018-2022, 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
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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
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- Annuities
A Simple Six-Step Retirement Checkup
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Rational Investing in an Age of Uncertainty
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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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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
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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.
- Plan Evaluation
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- Plan Participant Education
Small Business Retirement Plans
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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.
Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
Ready to start a conversation? Contact The HWC Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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 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
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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.
7When 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.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | 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.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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 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
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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.
7When 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.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
