Pennie Keene
Senior Vice President, Financial Advisor
Phone:
(256) 690-5801(256) 690-5801
The Keene Group at Morgan Stanley
Direct:
(256) 690-5801(256) 690-5801
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
The Keene Group at Morgan Stanley offers world class service to our clients. We offer 85+ combined years of industry experience while striving to build long lasting relationships. Our experiences help create innovative strategies designed to achieve the wide-range of goals of our clients. With the Keene Group 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. Integrity, transparency, and professional ethics are a fundamental part of our business. We focus our time and efforts on deeply understanding our clients individual needs and developing an actionable plan that our clients can trust will help meet their goals. The trust that is placed in us is returned through our dedication to give you time back in doing what matters most to you.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Modern Tools For Modern Clients
We provide our clients with some of the most comprehensive digital tools in the industry. Additionally, the firm strives to ensure that the platforms our clients use are safe, fast and flexible. Here are a few technologies we have to offer our clients.
Morgan Stanley Online & Mobile App
Seamlessly and securely manage your investments and everyday finances in one place with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn About Our Planning Tools
Financial Management Tools
Managing multiple financial accounts across different firms can be complicated. With Morgan Stanley Online, you can link you non-Morgan Stanley accounts and analyze your cash flow all in one place.
Learn More About Financial Management Tools
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows for easy sharing and convenient access to life’s most important documents from wills and deeds to financial statements and tax fillings. Easily manage your encrypted financial records all in one place.
Learn More About Digital Vault
eDelivery
eDelivery, allows you to securely save, print, send, and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App. Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
Learn More More About eDelivery
eSign
eSign is a digital, paperless alternative to the traditional means of obtaining signatures from clients on paperwork.
There is no registration process for you to begin using eSign — all you need is a valid email address and phone number.
The eSign Portal allows branch personnel to create and send forms to clients for their electronic signature, track the status of packages that have been sent, and take action on forms that clients have signed electronically and returned.
eSign VideoThere is no registration process for you to begin using eSign — all you need is a valid email address and phone number.
The eSign Portal allows branch personnel to create and send forms to clients for their electronic signature, track the status of packages that have been sent, and take action on forms that clients have signed electronically and returned.
Our Investment Process
Financial Planning
How will I achieve my financial goals?
We get to know your financial situation, understand your goals and risk tolerance, and together build a holistic plan.
▪ What can you afford to spend?
▪ Retirement planning
▪ Education planning
▪ Life/long-term-care insurance
▪ Trust and estate service
▪ Philanthropy management
▪ Tax-efficient investment strategies
▪ Lending/cash management
▪ Succession planning
We get to know your financial situation, understand your goals and risk tolerance, and together build a holistic plan.
▪ What can you afford to spend?
▪ Retirement planning
▪ Education planning
▪ Life/long-term-care insurance
▪ Trust and estate service
▪ Philanthropy management
▪ Tax-efficient investment strategies
▪ Lending/cash management
▪ Succession planning
Investment Management
How Should I be invested?
Your plan helps us construct your investment strategy and asset allocation, tailored to your goals and risk tolerance.
▪ Asset allocation
▪ Portfolio construction
▪ Investment analysis
▪ Manager selection
▪ Risk management
▪ Liquidity planning
▪ Alternative investment selection
▪ Impact investment selection
Your plan helps us construct your investment strategy and asset allocation, tailored to your goals and risk tolerance.
▪ Asset allocation
▪ Portfolio construction
▪ Investment analysis
▪ Manager selection
▪ Risk management
▪ Liquidity planning
▪ Alternative investment selection
▪ Impact investment selection
Monitoring
Am I on track to reach my goals?
Continuously revisit your plan and investments to ensure progress toward goals— “what has changed?”
▪ Regularly scheduled meetings
▪ Regular “catch-up” sessions
▪ Portfolio reviews
▪ Budget/spending tracking
▪ Tax-efficient investing
▪ Contribution (IRA, 529) deadline reminders
▪ Year-end planning
▪ Wealth plan adjustments due to changes in your life
Continuously revisit your plan and investments to ensure progress toward goals— “what has changed?”
▪ Regularly scheduled meetings
▪ Regular “catch-up” sessions
▪ Portfolio reviews
▪ Budget/spending tracking
▪ Tax-efficient investing
▪ Contribution (IRA, 529) deadline reminders
▪ Year-end planning
▪ Wealth plan adjustments due to changes in your life
And Much More
Who can I trust to help me make decisions?
The Keene Group is your trusted confidant, here to help you with planning for major financial and life decisions.
▪ Significant purchases
▪ Helping children and other family members
▪ Life transitions
▪ Work with tax and legal advisors to help achieve financial goals
▪ Referrals to other professionals
▪ Continuity of wealth plans over generations
The Keene Group is your trusted confidant, here to help you with planning for major financial and life decisions.
▪ Significant purchases
▪ Helping children and other family members
▪ Life transitions
▪ Work with tax and legal advisors to help achieve financial goals
▪ Referrals to other professionals
▪ Continuity of wealth plans over generations
Investment Advisory Overview
Our Advisory solutions and services leverage resources from across the firm to provide access to advice and investment manager analysis while bringing clients a personalized perspective.
Key Benefits:
Key Benefits:
Customized Solutions
Strategic and tactical asset allocation advice, manager analysis and portfolio construction capabilities.
Holistic Reporting
Quarterly and annual reporting that tracks investment goals across Morgan Stanley and external accounts.
Exclusive Access
Separately managed accounts and exclusive firm discretionary product offerings.
Trading Benefits
Cutting-edge electronic trading infrastructure and enhanced pricing due to scale.
Tax Management Services
Tax-smart resources and strategies including, wash sale avoidance, tax loss harvesting, tax-efficient trading and liquidating, concentrated positions.
Comprehensive Due Diligence
Third-party manager due diligence, including.
comprehensive quantitative and qualitative tools used for all manager assessments.
comprehensive quantitative and qualitative tools used for all manager assessments.
Donor Advised Funds
Tax-advantaged vehicles for charitable giving, including the Morgan Stanley GIFT fund.
Giving Back
The Huntsville Learning Center's Inaugural Golf Tournament
Tom and Pennie had the honor of sponsoring the Huntsville Learning Center’s Inaugural Golf Tournament. They entered two teams made up of 8 women golfers (Pennie included) and had a great afternoon. Their matching shirts were a hit. They didn’t win but were named “best-dressed” and “most-spirited!”
This worthy organization serves at-risk children from K-8th grades in our community by giving the extracurricular support they need to succeed in school, build meaningful lives and careers for themselves. They would love for anyone to take a tour of their facility!
This worthy organization serves at-risk children from K-8th grades in our community by giving the extracurricular support they need to succeed in school, build meaningful lives and careers for themselves. They would love for anyone to take a tour of their facility!
Global Volunteer Month -- Manna House
When our community thrives, we all prosper! Our team at Morgan Stanley witnessed a special time when we volunteered at Manna House during Global Volunteer Month this past June. This organization does an incredible job providing for those in need.
Location
305 Church Street SW
Suite 720
Huntsville, AL 35801
US
Direct:
(256) 690-5801(256) 690-5801
Meet The Keene Group
Tom Keene
Vice President, Wealth Management Analyst
Phone:
(256) 690-5802(256) 690-5802
Will Keene
Client Service Associate
Phone:
(256) 690-5812(256) 690-5812
Liz Giles Calvert
Registered Client Service Associate
Phone:
(256) 690-5488(256) 690-5488
Julie Alley
Senior Registered Client Service Associate
Phone:
(256) 690-5492(256) 690-5492
Hannah Ostrowski
Client Service Associate
Phone:
(256) 690-5805(256) 690-5805
About Me
Pennie is a Senior Vice President – Wealth Management with 41 years of experience in the investment advisory and financial planning industry. She earned her Bachelor of Arts in Mass Communications, Journalism and Business from the University of South Florida. Pennie began her career in newspaper, television and public relations before transitioning into the investment advisory and financial planning industry.
Pennie prepares customized financial plans for clients, which are monitored and reviewed to help keep them on track toward their goals. She has been preparing financial plans long before formal plans were commonplace, originally using a yellow legal pad. Pennie treats her clients like family and is committed to helping them navigate the financial situations that may arise throughout life. Through her multigenerational, planning-based practice, Pennie and her team offer investment advice designed to help clients grow and preserve their assets. Life insurance, long-term care insurance, estate planning strategies and lending solutions are also important parts of the comprehensive financial services Pennie and her team provide. Pennie also helps clients think through estate planning considerations as part of a broader wealth management strategy, working with them to align their financial goals with their legacy, family, and multi-generational planning needs. As a leader in financial planning within her practice, Pennie likes to say, “We don’t make a move forward without a plan in place.”
Pennie’s practice is also deeply rooted in family. She loves balancing life with her husband, Tom, as well as sharing the financial services industry with him. With their son, Will, recently joining the team, the practice has become a true family business — one that blends Pennie’s decades of experience with the energy, perspective and continuity of the next generation.
Outside of work, Pennie’s interests include her faith, family, friends and travel.
In her community, Pennie has volunteered with the Junior League of Huntsville since 1990 and the Huntsville Symphony Guild since 2006. She has also been involved with Lincoln Village Ministry, Village of Promise, Boys & Girls Club, Habitat for Humanity, the Huntsville Museum of Art, Westminster Christian Academy and the WEDC foundation annual fundraiser women honoring women.
Pennie prepares customized financial plans for clients, which are monitored and reviewed to help keep them on track toward their goals. She has been preparing financial plans long before formal plans were commonplace, originally using a yellow legal pad. Pennie treats her clients like family and is committed to helping them navigate the financial situations that may arise throughout life. Through her multigenerational, planning-based practice, Pennie and her team offer investment advice designed to help clients grow and preserve their assets. Life insurance, long-term care insurance, estate planning strategies and lending solutions are also important parts of the comprehensive financial services Pennie and her team provide. Pennie also helps clients think through estate planning considerations as part of a broader wealth management strategy, working with them to align their financial goals with their legacy, family, and multi-generational planning needs. As a leader in financial planning within her practice, Pennie likes to say, “We don’t make a move forward without a plan in place.”
Pennie’s practice is also deeply rooted in family. She loves balancing life with her husband, Tom, as well as sharing the financial services industry with him. With their son, Will, recently joining the team, the practice has become a true family business — one that blends Pennie’s decades of experience with the energy, perspective and continuity of the next generation.
Outside of work, Pennie’s interests include her faith, family, friends and travel.
In her community, Pennie has volunteered with the Junior League of Huntsville since 1990 and the Huntsville Symphony Guild since 2006. She has also been involved with Lincoln Village Ministry, Village of Promise, Boys & Girls Club, Habitat for Humanity, the Huntsville Museum of Art, Westminster Christian Academy and the WEDC foundation annual fundraiser women honoring women.
Securities Agent: MA, WA, TN, SC, NY, MT, AR, VA, MI, OR, OH, MS, LA, IN, FL, NJ, KS, DE, DC, SD, IL, OK, MD, KY, GA, CA, NM, NC, CO, AL, WV, RI, AZ, MO, WY, WI, TX, PA, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 2274466
NMLS#: 2274466
About Tom Keene
Tom is a Vice President and Wealth Management Analyst with 33 years of experience in the investment advisory industry. He works with individuals to help ensure that their retirement plans stay on track with their financial goals. Tom creates Strategic Asset Allocation investment models for our clients. He also helps develop and modify our team’s overall investment strategy.
Prior to joining his wife Pennie in the financial services industry, Tom enjoyed a 16-year+ broadcasting career in television and radio. His interests include his faith, family, soccer, and golf.
Prior to joining his wife Pennie in the financial services industry, Tom enjoyed a 16-year+ broadcasting career in television and radio. His interests include his faith, family, soccer, and golf.
About Will Keene
Will graduated from Samford University's Brock School of Business in 2017, where he double majored in entrepreneurship and marketing with a concentration in social entrepreneurship. He was awarded a fellowship through the social entrepreneurship program to work with a local non-profit, which led to full time employment as its operations manager.
From there, he was presented with the opportunity to be the fulfillment director for a print/fulfillment company based in Birmingham. Most recently, before joining Morgan Stanley he was an Independent Medicare Broker and built up a successful book of business helping retirees navigate the complexities of Medicare. Through that, he learned the importance of client relations, long term benefit analysis, and daily problem-solving.
Will has had success in multiple business segments along with watching his parents build their careers in the financial services industry. It's given him a great appreciation for long-term planning and meaningful client relationships.
Will and his wife, Emily have made their home in Birmingham where they live in Homewood with their two children, Wren (3) and Crosby (1).
From there, he was presented with the opportunity to be the fulfillment director for a print/fulfillment company based in Birmingham. Most recently, before joining Morgan Stanley he was an Independent Medicare Broker and built up a successful book of business helping retirees navigate the complexities of Medicare. Through that, he learned the importance of client relations, long term benefit analysis, and daily problem-solving.
Will has had success in multiple business segments along with watching his parents build their careers in the financial services industry. It's given him a great appreciation for long-term planning and meaningful client relationships.
Will and his wife, Emily have made their home in Birmingham where they live in Homewood with their two children, Wren (3) and Crosby (1).
About Liz Giles Calvert
Liz is a Registered Client Service Associate (CSA) at Morgan Stanley, and has been supporting client needs and managing their daily requests for the past three years. She graduated from Samford University in May 2021 with a Bachelor of Science in Business Administration, double majoring in Finance and Management. Liz holds several designations including the SIE, Series 7, Series 66, Chartered Retirement Planning Counselor (CRPC), and is a Financial Planning Specialist.
During her college years, Liz gained valuable industry experience through internships at Huntsville Utilities and the Urology Centers of Alabama, where she worked in various finance and accounting roles. Known for her strong time management skills and dedication to client satisfaction, Liz brings a valuable blend of academic knowledge and practical expertise to her role.
Outside of work, Liz enjoys pursuing hobbies such as pickleball, reading, painting, and baking, reflecting her diverse interests and commitment to personal growth.
During her college years, Liz gained valuable industry experience through internships at Huntsville Utilities and the Urology Centers of Alabama, where she worked in various finance and accounting roles. Known for her strong time management skills and dedication to client satisfaction, Liz brings a valuable blend of academic knowledge and practical expertise to her role.
Outside of work, Liz enjoys pursuing hobbies such as pickleball, reading, painting, and baking, reflecting her diverse interests and commitment to personal growth.
Contact Pennie Keene
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
Brandon Marsh, CPWA®
Financial Planning Director, Vice President
About Brandon Marsh
Brandon Marsh is a vice president and financial planning director serving Morgan Stanley Wealth Management offices in Alabama, Arkansas, and the Florida Panhandle. Brandon is responsible for helping financial advisors with their clients' and prospects' financial planning needs.
Brandon began his career in financial services as a financial analyst upon graduating from college and joined Morgan Stanley in 2014. His career in the financial services industry spans more than 21 years, during which time he has held roles in various aspects of the industry, including fixed income, asset liability, portfolio management, and derivative experience. Brandon’s scope of experience allows him to deliver guidance and skilled focus to clients on a variety of financial planning concerns.
Brandon holds an undergraduate degree in business administration. As a FINRA registered representative, he holds Series 7, 63, and 65 licenses. Brandon has earned a Certified Private Wealth Advisor® designation, awarded by the Investments & Wealth Institute. Brandon lives in Birmingham, Alabama, with his wife, Hayley, and two sons, Paul and Walton. He enjoys time spent with family, fishing with his boys, coaching sports teams, and scouts.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
Brandon began his career in financial services as a financial analyst upon graduating from college and joined Morgan Stanley in 2014. His career in the financial services industry spans more than 21 years, during which time he has held roles in various aspects of the industry, including fixed income, asset liability, portfolio management, and derivative experience. Brandon’s scope of experience allows him to deliver guidance and skilled focus to clients on a variety of financial planning concerns.
Brandon holds an undergraduate degree in business administration. As a FINRA registered representative, he holds Series 7, 63, and 65 licenses. Brandon has earned a Certified Private Wealth Advisor® designation, awarded by the Investments & Wealth Institute. Brandon lives in Birmingham, Alabama, with his wife, Hayley, and two sons, Paul and Walton. He enjoys time spent with family, fishing with his boys, coaching sports teams, and scouts.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 Keene Group today.
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
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
