Executive Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(561) 694-7025(561) 694-7025
Industry Award WinnerOur Mission Statement
Whether you're planning for today or the future, our goal is to help you develop a financial plan that reflects your priorities, objectives, and aspirations.
Welcome to the Katz Weinman and Beck Group at Morgan Stanley
The Katz Weinman and Beck Group at Morgan Stanley Wealth Management proudly works with families, individuals, and businesses, both in the south Florida area and around the country. Founded by Evan Katz, CFP®, and Brad Weinman, our team has over a century of experience in the financial services industry. Leveraging the knowledge and experience of our team, a suite of modern digital tools, and the resources of Morgan Stanley, we aim to work with our clients to deliver a comprehensive wealth management strategy that addresses their unique needs and works towards their personal and financial goals.
Sincerely,
Evan Katz, CFP®, Brad Weinman, and Jason Beck
Certified Financial Planner® (CFP®) is a formal recognition of expertise in the areas of financial planning, taxes, insurance, estate planning, and retirement (such as with 401(k)s). Owned and awarded by the Certified Financial Planner Board of Standards, Inc., the designation is awarded to individuals who successfully complete the CFP® Board's initial exams, then continue ongoing annual education programs to sustain their skills and certification.
Services Include
- Professional Portfolio ManagementFootnote1
- Asset Management
- Wealth PlanningFootnote2
- Trust AccountsFootnote3
- Planning for Education FundingFootnote4
- 529 PlansFootnote5
- Cash Management and Lending ProductsFootnote6
- Wealth ManagementFootnote7
- Retirement PlanningFootnote8
- Life InsuranceFootnote9
- AnnuitiesFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Building Wealth With Purpose
Helping the next generation strive to prosper and grow into their own is just as important to our team as it is to your family. Through thoughtful education planning, financial literacy resources, and long-term wealth strategies, we help families prepare future generations for success. We are committed to supporting the conversations and planning that can make a lasting impact for years to come.
Unexpected Inheritance: What Should I Do With My Money?
When wealth transfers from one generation to the next, preparation matters. This episode explores how financial knowledge, open conversations, and long-term planning can help younger family members navigate future opportunities with confidence.
Wealth Transfer Insights
Helping the next generation become informed, confident decision-makers is a key part of our planning philosophy. Explore resources designed to help younger family members understand wealth transfer, strengthen financial literacy, and prepare for the opportunities ahead.
529 Plans and More: Innovative and Effective Ways to Pay for Education
Education can be one of the most meaningful investments families make in the next generation. This article explores how 529 plans and other education funding strategies can help families prepare for future opportunities while building a strong financial foundation.
The State of Your Parents' Estate
Being financially informed means more than managing your own finances. This resource explores how adult children can take an active role in understanding family wealth, discussing future plans, and helping create a smoother transition across generations.
Stay Updated as You Manage Your Financial Future
We are committed to helping clients better understand the financial strategies designed to support their long-term goals. We strive to make complex financial concepts clear and accessible, so clients can feel more informed about what is being done on their behalf, and why.
We also believe in providing clients with thoughtful resources to help them stay current on market trends, economic outlooks, and important developments shaping the financial and business landscape. The links below offer detailed insights and analysis on timely topics that may be relevant to your financial planning journey and goals.
Wealth Management Virtual Events
Get insights from Morgan Stanley's thought leaders, industry trailblazers, and influential voices on what's shaping the markets and economy today. Be sure to check this link for upcoming events as well as replays from prior events.
On The Markets Research Report
Detailed monthly market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more. Click below to view the latest report from the Chief Investment Office (CIO):
Thoughts on the Market Podcast
Listen here for the most frequent short, thoughtful takes on recent events in the markets, every weekday from a variety of perspectives within Morgan Stanley including CIO and Chief U.S. Equity Strategist Mike Wilson and Global Head of Fixed Income Research Andrew Sheets.
Explore Morgan Stanley's Resources
Morgan Stanley's comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies and platforms we have to offer our clients. Take some time to learn about some of the many Morgan Stanley Wealth Management resources we offer to our clients to make their financial lives easier and more convenient:
Morgan Stanley Online
Your investments and everyday finances are just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App. Click the link below to sign in:
Total Wealth View
Giving your advisor a holistic picture of your financial profile can benefit you through more comprehensive financial planning. Easily link your external accounts through Total Wealth View by signing into Morgan Stanley Online or downloading the Morgan Stanley Mobile App.
Total Tax 365
Total Tax 365 is a year-round, tax-aware investing framework that emphasizes how taxes can affect after-tax outcomes. Total Tax 365 is intended to encourage planning beyond filing season as part of an overall wealth strategy with a holistic, highly customizable approach.
Digital Vault
Digital Vault is Morgan Stanley's encrypted document storage and two-way sharing platform which enables you to organize and exchange important files (for example, tax documents and legal records) with your financial advisor in a central location.
Location
3801 PGA Boulevard
Suite 700
Palm Beach Gardens, FL 33410
US
Direct:
(561) 694-7000(561) 694-7000
Meet The Katz Weinman and Beck Group
Brad Weinman
Executive Director, Wealth Management, Financial Advisor, Portfolio Manager
Phone:
(561) 694-7020(561) 694-7020
Jason W Beck
Financial Advisor, Portfolio Manager, Financial Planning Specialist
Phone:
(561) 694-7028(561) 694-7028
Michelle German
Senior Registered Client Service Associate
Phone:
(561) 694-7019(561) 694-7019
Thomas M. Morrissey
Portfolio Associate
Phone:
(561) 694-7032(561) 694-7032
About Evan R Katz
Securities Agent: NH, KS, NY, GA, NJ, MS, MA, RI, SC, MO, FL, CT, MN, OH, MI, DC, VT, TN, MT, IL, VA, PA, CA, WI, SD, NV, CO, AZ, TX, WA, OR, NC, MD, DE, ME; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1255324
NMLS#: 1255324
About Brad Weinman
Brad Weinman, Executive Director, brings more than four decades of financial services experience to his work with clients at Morgan Stanley. Throughout his career, Brad has helped individuals, retirement accounts and charitable foundations navigate changing markets and increasingly complex financial decisions, drawing on the perspective developed through multiple market cycles.
Brad began his career in the securities industry in 1983 and has spent his career with several of Wall Street’s leading financial institutions. Brad has been recognized for his achievements by Morgan Stanley and has earned Council Award Rankings.
Over the course of his career, Brad has developed an approach centered on understanding each client’s individual circumstances, risk tolerance, and long-term objectives. He works to develop tailored wealth management strategies encompassing investment management, retirement planning, and broader financial planning needs. His extensive industry experience provides him with a long-term perspective on markets and the importance of maintaining a disciplined approach through different economic environments.
Brad received his Bachelor of Science degree from SUNY at Albany in Business Administration with concentration in Finance and Management. He also received his MBA from Emory University with a concentration in Finance and Portfolio Management.
Brad has been married to his wife Deborah for forty two years. Outside the office Brad is an avid pickleball and tennis player and enjoys spending quality time with his two daughters and five grandchildren.
Brad began his career in the securities industry in 1983 and has spent his career with several of Wall Street’s leading financial institutions. Brad has been recognized for his achievements by Morgan Stanley and has earned Council Award Rankings.
Over the course of his career, Brad has developed an approach centered on understanding each client’s individual circumstances, risk tolerance, and long-term objectives. He works to develop tailored wealth management strategies encompassing investment management, retirement planning, and broader financial planning needs. His extensive industry experience provides him with a long-term perspective on markets and the importance of maintaining a disciplined approach through different economic environments.
Brad received his Bachelor of Science degree from SUNY at Albany in Business Administration with concentration in Finance and Management. He also received his MBA from Emory University with a concentration in Finance and Portfolio Management.
Brad has been married to his wife Deborah for forty two years. Outside the office Brad is an avid pickleball and tennis player and enjoys spending quality time with his two daughters and five grandchildren.
Securities Agent: WA, CT, TX, NY, NV, NC, KS, DE, GA, CA, OR, MN, MT, VT, MS, SC, RI, MI, AZ, WI, NJ, MA, VA, PA, OH, NH, MD, MO, IL, ME, TN, SD, DC, CO, FL; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1278597
NMLS#: 1278597
About Jason W Beck
Jason W. Beck brings nearly 20 years of institutional markets experience to Morgan Stanley Wealth Management, where he helps clients approach wealth growth, preservation, and risk management through an institutional lens.
Before joining Morgan Stanley, Jason held senior leadership and Managing Director roles across Credit Suisse, Cboe Global Markets, and Jefferies. He spent the majority of his career at Credit Suisse, moving from natural gas and commodities trading into equity derivatives trading and then sales, where he advised hedge funds, asset managers, family offices, and institutional investors across the U.S., Europe, and Asia.
Rooted in firsthand trading and risk management experience, Jason brings a sophisticated understanding of markets and derivatives to individuals, families, and business owners focused on building and protecting wealth.
Jason earned a B.S. in Business Administration from the University of Richmond with concentrations in Finance and Marketing. He holds SIE, Series 7, 57, 63, and 66 registrations, FL insurance license, and is a licensed FAA Private Pilot. Outside of work, Jason enjoys racquet sports and spending time with his wife Jaclyn, and their young three sons.
Before joining Morgan Stanley, Jason held senior leadership and Managing Director roles across Credit Suisse, Cboe Global Markets, and Jefferies. He spent the majority of his career at Credit Suisse, moving from natural gas and commodities trading into equity derivatives trading and then sales, where he advised hedge funds, asset managers, family offices, and institutional investors across the U.S., Europe, and Asia.
Rooted in firsthand trading and risk management experience, Jason brings a sophisticated understanding of markets and derivatives to individuals, families, and business owners focused on building and protecting wealth.
Jason earned a B.S. in Business Administration from the University of Richmond with concentrations in Finance and Marketing. He holds SIE, Series 7, 57, 63, and 66 registrations, FL insurance license, and is a licensed FAA Private Pilot. Outside of work, Jason enjoys racquet sports and spending time with his wife Jaclyn, and their young three sons.
Securities Agent: MI, DC, VT, NY, GA, WA, TN, MS, CO, NJ, CT, NV, NC, MD, AZ, SC, RI, TX, OH, IL, WI, VA, NH, ME, CA, MA, DE, MO, KS, FL, SD, PA, OR, MT, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 2860964
NMLS#: 2860964
About Michelle German
Michelle began her financial services career with Goldman Sachs & Co LLC in New York City. She has over 29 years of experience in the Private Wealth Management space, working with individuals and family offices, and is integral to how the team approaches client service and the evolving needs of its clients. She also had the honor of being inducted into the Goldman Sachs & Co. Quarter Century Club in 2021.
Michelle earned a Bachelor of Science in Marketing from Bentley University in Waltham, Massachusetts. A Florida native, she grew up in Hobe Sound and attended Rosarian Academy in West Palm Beach, developing a lifelong appreciation for the South Florida community and coastal lifestyle.
Michelle earned a Bachelor of Science in Marketing from Bentley University in Waltham, Massachusetts. A Florida native, she grew up in Hobe Sound and attended Rosarian Academy in West Palm Beach, developing a lifelong appreciation for the South Florida community and coastal lifestyle.
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Awards and Recognition
Five Star Wealth Advisor
Source: fivestarprofessional.com (Awarded 2017-2026) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods: 2017 Award – 2/25/16 – 10/14/16, 2018 Award – 2/23/17 – 10/13/17, 2019 Award - 3/23/18 – 10/23/18, 2020 Award - 3/1/19 – 10/25/19, 2021 Award - 3/30/20 – 10/23/20, 2022 Award - 3/29/21 – 10/8/21, 2023 Award - 03/14/22 – 10/18/22, 2024 Award - 3/13/23 – 09/29/23, 2025 Award - 3/13/24 - 10/29/24, 2026 Award - 3/13/25 - 10/01/25.
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
About Nino Migoya
Nino Migoya is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.
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.
Nino began his career in financial services in 1998, and joined Morgan Stanley in 2010. Prior to joining the firm, served as an Associate Divisional Bank Head, Consumer Banking Regional Manager, Consumer Finance Specialist, and as a Financial Advisor at Merrill Lynch.
Nino is a graduate of Manhattan College, where he received a Bachelor of Science in Chemical Engineering, and New York University, where he received his Masters of Business Administration in Finance and International Business. He lives in Jupiter, Florida, with his family. In his free time, he enjoys volunteering in the community, coaching soccer, playing golf, and running.
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.
Nino began his career in financial services in 1998, and joined Morgan Stanley in 2010. Prior to joining the firm, served as an Associate Divisional Bank Head, Consumer Banking Regional Manager, Consumer Finance Specialist, and as a Financial Advisor at Merrill Lynch.
Nino is a graduate of Manhattan College, where he received a Bachelor of Science in Chemical Engineering, and New York University, where he received his Masters of Business Administration in Finance and International Business. He lives in Jupiter, Florida, with his family. In his free time, he enjoys volunteering in the community, coaching soccer, playing golf, and running.
NMLS#: 799199
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact The Katz Weinman and Beck Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley’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.
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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5Investors 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.
6Morgan 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
7Morgan 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.
8When 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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley’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.
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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5Investors 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.
6Morgan 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
7Morgan 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.
8When 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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
