Damon Johnson
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(949) 717-5480(949) 717-5480
The Johnson Group at Morgan Stanley
Our Mission Statement
Leveraging over 70 years of experience, The Johnson Group delivers strategic wealth management for professionals, business leaders, athletes and families
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Goals-Based Process
Our process takes a comprehensive view of your life. In our initial conversations, we talk about your family and personal aspirations. We learn about the hopes and dreams you have for your future and the legacy you’d like to leave.
What we discover together becomes the foundation for a detailed financial plan that is based on who you are and where you want to go. Over time, we regularly review and revise your financial plan to reflect new priorities in your life and changes in the marketplace.
What we discover together becomes the foundation for a detailed financial plan that is based on who you are and where you want to go. Over time, we regularly review and revise your financial plan to reflect new priorities in your life and changes in the marketplace.
1: Discovery & Goal Setting
We begin with an in-depth conversation to understand what is important to you, your family and your legacy. We learn about the values that shape your decisions and identify any circumstances unique to your personal situation. We collect important financial information and identify your top priorities.
2: Analysis & Strategy Development
Here, we conduct a detailed analysis of your financial situation using various financial planning and risk analysis tools. We then develop a detailed financial plan with recommendations to help you effectively build, preserve and transfer your wealth. This analysis serves as the foundation for your initial plan, as well as future wealth management decisions.
3: Financial Plan Presentation
In this step, we present your plan in detail, which includes recommendations to make your life better. These may include changes to your asset allocation and investment strategy, as well as advice on particularly complex issues, such as estate planning and tax minimization strategies. Once we’ve discussed and refined your plan, we identify the specific investments to support the recommendations we presented.
4: Implementation
Upon your approval, we’ll begin to implement the strategies outlined in your plan. Once your assets have been transferred to Morgan Stanley and are aligned with your investment strategy, we walk you through the details of your new statement and introduce all the new tools and resources now available to you.
5: Ongoing Service
Milestones like buying and selling a home, retirement, or starting or selling a business can all have a significant impact on your overall wealth. We monitor progress towards each goal, adjusting your financial plan accordingly as changes in your life occur.
Global Investment Committee Weekly Insights
This report from Wealth Management Chief Investment Officer Lisa Shalett highlights the GIC's latest thinking on the markets.
Click here to learn more
Global Investment Committee Monthly Perspectives
'On the Markets' features a monthly collection of the most timely research and strategy from Morgan Stanley & Co., Morgan Stanley Wealth Management and external partners.
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Morgan Stanley Online
Morgan Stanley Online digital capabilities and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research. The Morgan Stanley Mobile App provides clients with access to their accounts in just a few taps.
Click here to learn more
Total Wealth View
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind. This new tool allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
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Digital Vault
Keeping important documents and financial records organized and readily available is one the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
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Data Security
Our highest priority is keeping your information protected. Morgan Stanley dedicates significant resources to protecting your assets and personal information.
-Strong encryption protocols designed to protect your data.
- Continuous monitoring to help detect and prevent fraud.
- Routine testing of our systems and security protocols.
- Independent review by outside security firms.
Click here to learn more-Strong encryption protocols designed to protect your data.
- Continuous monitoring to help detect and prevent fraud.
- Routine testing of our systems and security protocols.
- Independent review by outside security firms.
Designations and Awards
Damon Johnson - Forbes Best-In-State Wealth Advisors 2023, 2024, 2025
Damon has been named to Forbes Best-In-State Wealth Advisors from 2023-2025. He earned a ranking at #26 in 2023, #24 in 2024, and #21 in 2025.
2023,2024,2025 Forbes Best-In-State Wealth Advisors
Source: Forbes (Awarded April 2025). Data compiled by SHOOK Research LLC based for the period 6/30/23–6/30/24.
Check Out Damon's Forbes Listing2023,2024,2025 Forbes Best-In-State Wealth Advisors
Source: Forbes (Awarded April 2025). Data compiled by SHOOK Research LLC based for the period 6/30/23–6/30/24.
CFP® - Certified Financial Planner™ (Ryan Beddeo)
The Certified Financial Planner™ designation is awarded to candidates who have demonstrated expertise in the areas of Education, Investment, Tax, Retirement, Estate and Insurance planning. CFP® professionals must accrue several years of experience related to delivering financial planning services to clients and pass a comprehensive exam before calling themselves a CFP® Professional and are held to strict ethical standards to ensure financial planning recommendations are in the best interest of their clients.
Michael Algarin - Certified Exit Planning Advisor
The Certified Exit Planning Advisor (CEPA®) credential is for professional advisors who want to effectively engage more business owners. Through the process of Exit Planning (the Value Acceleration Methodology™), owners can build more valuable companies, have stronger personal financial plans, and align their personal goals. Earning CEPA doesn't change your expertise, it enhances your ability to engage business owners and have value-added conversations around growth and exit.
Dedicated Equity Plan Specialist (Damon Johnson and Michael Algarin)
Damon and Michael received unique training and education on company specific plans to service their clients' needs. These designated advisors can help you determine how your equity compensation fits into your overall goals and financial strategy; they utilize the resources and tools of Morgan Stanley Wealth Management including goals based strategies, personalized financial plans and customized solutions.
Awarded President's Club 2020-2025
Location
800 Newport Center Dr.
Ste 500
Newport Beach, CA 92660
US
Direct:
(949) 717-5480(949) 717-5480
1901 Main Street
Suite 700
Irvine, CA 92614
US
Direct:
(949) 955-7895(949) 955-7895
Meet The Johnson Group
Phone:
(949) 955-7895(949) 955-7895
Ryan Beddeo, MBA, CFP®
Financial Advisor
Phone:
(949) 717-5496(949) 717-5496
Winona Livingston
Wealth Management Associate
Phone:
(949) 717-5481(949) 717-5481
Danielle Barabino
Wealth Management Associate
Phone:
(949) 717-5409(949) 717-5409
Thomas Aguna
Portfolio Associate
Phone:
(714) 990-5264(714) 990-5264
About Damon Johnson
With nearly 30 years of experience, Damon has dedicated his career to serving the specialized needs successful professionals, owners of closely held businesses, athletes and families around the country. He focuses on understanding each client's specific goals to develop customized plans for building, preserving, and transitioning their wealth.
Growing up in a finance-oriented family, Damon learned the power of investing early. He holds a finance degree from the University of Southern California, where he also played baseball. His career began in fixed-income trading before transitioning into private wealth management 1998 at Smith Barney, a predecessor firm of Morgan Stanley.
Damon values working with like-minded clients who appreciate his experience and service. His comprehensive approach involves active listening to create tailored financial plans and investment portfolios aligned with their future goals.
Deeply committed to his community and family, Damon has been involved in numerous organizations, including the Santa Fe Springs Chamber of Commerce, Future Business Leaders of America, Rotary International and the Newport Beach Baseball Association. Damon spends much of his free time on ball fields or courts, watching or coaching his three sons in their various sporting activities. Damon resides in Newport Beach with his wife, Ivy, a physician assistant, and three boys, Preston, Brooks, and Max.
Growing up in a finance-oriented family, Damon learned the power of investing early. He holds a finance degree from the University of Southern California, where he also played baseball. His career began in fixed-income trading before transitioning into private wealth management 1998 at Smith Barney, a predecessor firm of Morgan Stanley.
Damon values working with like-minded clients who appreciate his experience and service. His comprehensive approach involves active listening to create tailored financial plans and investment portfolios aligned with their future goals.
Deeply committed to his community and family, Damon has been involved in numerous organizations, including the Santa Fe Springs Chamber of Commerce, Future Business Leaders of America, Rotary International and the Newport Beach Baseball Association. Damon spends much of his free time on ball fields or courts, watching or coaching his three sons in their various sporting activities. Damon resides in Newport Beach with his wife, Ivy, a physician assistant, and three boys, Preston, Brooks, and Max.
Securities Agent: KS, CO, NJ, MI, MA, GA, AZ, WA, UT, OR, MN, CT, AR, OH, NE, NC, IL, NY, MO, MD, CA, VA, ID, HI, DC, MS, TN, PA, NM, FL, OK, NV, DE, AL, SC, IN, WV, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 558306
CA Insurance License #: 0C43640
NMLS#: 558306
CA Insurance License #: 0C43640
About Michael Algarin
Michael is a dedicated financial advisor at The Johnson Group, working with affluent individuals, families and businesses to help achieve their financial success. He initiates this process by thoroughly understanding each client's unique financial situation to collaboratively develop a personalized strategy aligned with their vision for the future.
Committed to empowering clients through knowledge, Michael guides the development and management of their investments. His primary goal is to ensure clients feel confident navigating significant life events, providing insightful weekly email market updates and prioritizing clear communication through regular meetings.
Michael's core objective is to simplify financial complexities and align clients' resources with their long-term priorities. He earned a Bachelor of Arts degree from California State University, Long Beach, and brings over 17 years of dedicated experience in financial services, preceded by work in film and television talent representation.
Outside of his profession, Michael actively volunteers with the Boys and Girls Clubs of Santa Ana and Long Beach. He enjoys art, theater, and an active outdoor lifestyle through golf, running, surfing, and snowboarding. A long-time resident of Orange County, he currently resides in Costa Mesa, CA.
Committed to empowering clients through knowledge, Michael guides the development and management of their investments. His primary goal is to ensure clients feel confident navigating significant life events, providing insightful weekly email market updates and prioritizing clear communication through regular meetings.
Michael's core objective is to simplify financial complexities and align clients' resources with their long-term priorities. He earned a Bachelor of Arts degree from California State University, Long Beach, and brings over 17 years of dedicated experience in financial services, preceded by work in film and television talent representation.
Outside of his profession, Michael actively volunteers with the Boys and Girls Clubs of Santa Ana and Long Beach. He enjoys art, theater, and an active outdoor lifestyle through golf, running, surfing, and snowboarding. A long-time resident of Orange County, he currently resides in Costa Mesa, CA.
Securities Agent: OK, AZ, CA, CO, FL, GA, HI, IL, IN, KY, MA, MI, MN, MO, NC, NH, NJ, NV, NY, OH, OR, PA, TN, TX, UT, VA, WA, WY, AR, PR; General Securities Representative; Investment Advisor Representative
NMLS#: 2062728
CA Insurance License #: OF91379
NMLS#: 2062728
CA Insurance License #: OF91379
About Ryan Beddeo, MBA
Ryan is a Financial Advisor at the Johnson Group at Morgan Stanley. He prioritizes understanding each clients targeted goals before creating a tailored approach. Ryan is a CERTIFIED FINANCIAL PLANNER™ professional and believes in the importance of a strategic plan.
Ryan is a graduate of The Masters University where he earned a business finance degree as well as a master’s in business administration. While pursuing his education, Ryan was a member of the men’s basketball program both at Fresno State and The Masters University. Upon graduating, Ryan spent several years at UBS where he grew his knowledge across the wealth management business.
When not in the office, Ryan enjoys spending time with family, golfing, and coaching youth sports.
Ryan is a graduate of The Masters University where he earned a business finance degree as well as a master’s in business administration. While pursuing his education, Ryan was a member of the men’s basketball program both at Fresno State and The Masters University. Upon graduating, Ryan spent several years at UBS where he grew his knowledge across the wealth management business.
When not in the office, Ryan enjoys spending time with family, golfing, and coaching youth sports.
Securities Agent: NJ, CT, OK, MS, AR, VA, MO, MD, HI, SC, NY, OR, MN, MA, FL, CO, WA, PA, OH, NE, IL, GA, AL, UT, TX, MI, AZ, NV, NM, DE, DC, NC, CA, WV, TN, KS, IN, ID; General Securities Representative; Investment Advisor Representative
NMLS#: 2673870
NMLS#: 2673870
About Winona Livingston
As a Wealth Management Associate with The Johnson Group, Winona focuses on providing excellent client service and seamless execution for each client. Known for her patience and warmth, Winona partners with key team members to nurture client relationships, and optimize procedures, including client integration, transactions, and asset transitions.
With a strong foundation in financial services since 2009, including associate roles at Wells Fargo Advisors and Prudential Financial, Winona brings a wealth of operational expertise.
Winona earned a bachelor’s degree in psychology from University of California, Santa Barbara. She holds FINRA Series 7 and 66 securities registrations, and a CA Life and Health insurance license.
Residing in Huntington Beach with her husband and two children, Winona enjoys traveling, attending her children’s recreational activities and recently welcomed a Goldendoodle into her home.
With a strong foundation in financial services since 2009, including associate roles at Wells Fargo Advisors and Prudential Financial, Winona brings a wealth of operational expertise.
Winona earned a bachelor’s degree in psychology from University of California, Santa Barbara. She holds FINRA Series 7 and 66 securities registrations, and a CA Life and Health insurance license.
Residing in Huntington Beach with her husband and two children, Winona enjoys traveling, attending her children’s recreational activities and recently welcomed a Goldendoodle into her home.
CA Insurance License #: 0J02614
About Danielle Barabino
Danielle Barabino supports The Johnson Group as a Wealth Management Associate by servicing their clientele of high-net-worth individuals, affluent families and corporations, and providing operational and sales assistance across their multiple lines of business. Danielle enjoys the challenges of helping develop tailored strategies designed to pursue the diverse needs and goals of their clients.
Danielle joined Morgan Stanley in 2025 after serving as a Senior Wealth Strategy Associate at UBS for over 8 years, and as a Client Associate at J.P. Morgan Securities before that. She graduated from the University of California, Irvine in 2015 with a Bachelor of Science degree in Mathematics while playing collegiate water polo.
Danielle was inducted into the UC Irvine Athletics Hall of Fame alongside her father, both water polo standouts while at the university. Her and her husband, being a former UCLA water polo player as well, share their love for the sport with their two children, who may one day follow in their footsteps.
Danielle joined Morgan Stanley in 2025 after serving as a Senior Wealth Strategy Associate at UBS for over 8 years, and as a Client Associate at J.P. Morgan Securities before that. She graduated from the University of California, Irvine in 2015 with a Bachelor of Science degree in Mathematics while playing collegiate water polo.
Danielle was inducted into the UC Irvine Athletics Hall of Fame alongside her father, both water polo standouts while at the university. Her and her husband, being a former UCLA water polo player as well, share their love for the sport with their two children, who may one day follow in their footsteps.
About Thomas Aguna
Drawing on more than 15 years of financial services experience, Thomas is often the first line of contact on a broad array of client services. A consummate professional, he is committed to providing each client with the highest level of personal service and integrity.
From the largest task to the smallest request, Thomas works diligently to exceed client expectations. He is responsible for various operational activities, including onboarding new clients, assisting clients with their daily needs, processing trades and interacting with the firm’s back office personnel to ensure the business continues to run efficiently. Prior to joining Morgan Stanley, Thomas worked at J.P. Morgan Securities, New York Life and interned at Merrill Lynch. He is a 2006 graduate of the University of California at Riverside, where he earned his degree in Business Economics.
Growing up in southern California, Thomas now lives in Temescal Valley with his wife, Jennifer, and their three children, Charlie, Margot and Eloise. He loves all types of outdoor activities, including camping, hiking, and trail running and looks forward to backpacking with his kids when they get a little older.
From the largest task to the smallest request, Thomas works diligently to exceed client expectations. He is responsible for various operational activities, including onboarding new clients, assisting clients with their daily needs, processing trades and interacting with the firm’s back office personnel to ensure the business continues to run efficiently. Prior to joining Morgan Stanley, Thomas worked at J.P. Morgan Securities, New York Life and interned at Merrill Lynch. He is a 2006 graduate of the University of California at Riverside, where he earned his degree in Business Economics.
Growing up in southern California, Thomas now lives in Temescal Valley with his wife, Jennifer, and their three children, Charlie, Margot and Eloise. He loves all types of outdoor activities, including camping, hiking, and trail running and looks forward to backpacking with his kids when they get a little older.
CA Insurance License #: 0G06110
Contact Damon Johnson
Contact Michael Algarin
Contact Ryan Beddeo, MBA
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Kyle Miller
Private Banker
About Kyle Miller
Kyle Miller is a Senior Private Banker serving Morgan Stanley Wealth Management offices in California.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending
solutions.
Kyle began his career in financial services in 2005, and joined Morgan Stanley in 2011 as an Associate Private Banker. Prior to joining the firm, he was a Senior Banker at U.S. Bank. He also spent time early in his career
with the Denver Broncos.
Kyle is a graduate of the University of Colorado at Boulder, where he received a Bachelor of Science in Marketing and Finance, and San Diego State University, where he received his MBA in Business Administration. He lives in Dana Point, California with his wife and two daughters. Outside of the office, Kyle enjoys skiing, playing golf and volunteering in the community.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending
solutions.
Kyle began his career in financial services in 2005, and joined Morgan Stanley in 2011 as an Associate Private Banker. Prior to joining the firm, he was a Senior Banker at U.S. Bank. He also spent time early in his career
with the Denver Broncos.
Kyle is a graduate of the University of Colorado at Boulder, where he received a Bachelor of Science in Marketing and Finance, and San Diego State University, where he received his MBA in Business Administration. He lives in Dana Point, California with his wife and two daughters. Outside of the office, Kyle enjoys skiing, playing golf and volunteering in the community.
NMLS#: 798374
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Wealth Management
From Our Team
Overcoming Your 5 Biggest Retirement Challenges
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
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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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 Johnson 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’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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.
3Alternative 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley 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.
7Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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.
3Alternative 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley 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.
7Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
