Phone:
(570) 963-2349(570) 963-2349
The Legacy Group at Morgan Stanley
Direct:
(570) 961-7700(570) 961-7700
Toll-Free:
(800) 733-7096(800) 733-7096
Our Mission Statement
Our mission is to effect positive change for our clients through disciplined guidance and thoughtful planning so they can focus on what matters most while building a lasting legacy.
Our Story
We believe that working as a team helps to provide you with access to the comprehensive strategies, and seek to ensure that you benefit from our exceptional level of service. While our group brings complementary skills and perspectives to our clients, we also share a commitment to responding to your needs promptly, professionally and thoroughly. Our goal is to earn your confidence not only through the comprehensive strategies we provide you, but also the excellence with which we deliver them.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Who & What We Work With
Our team is committed to financial literacy and serving the financial needs of a diverse group of clients. While we acknowledge that each client has specific financial goals and circumstances, all clients have one thing in common: they have accumulated significant assets and need help developing a comprehensive and cohesive wealth strategy. Our role is to help clients effectively manage and preserve their assets so that they may take care of their loved ones, spend more time pursuing activities that they enjoy, and support the causes most important to them.
Ultra-High-Net / High-Net-Worth
With exceptional wealth comes exceptional complexity. Morgan Stanley combines the vast resources of a trusted global financial services firm with the individualized services of an investment practice for a hands-on tailored approach to help families, foundations and individuals manage the multiple facets —and legacy—of their wealth.
Multi-Generational Families
We deliver the experience, knowledge and resources needed to help you create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
Portfolio Risk Management
One of the fundamental lessons of investing is the importance of balancing portfolio risk—the possibility that the investments you own won’t perform as you expect—with the potential for returns. Here at Morgan Stanley, we can help you get a better idea of the risks you may face, as well as how to help manage them.
Small Business Owners and Entrepreneurs
As a business owner, you have devoted your career to building your enterprise. Now it is time to plan for what comes next: enjoying the substantial rewards, spending more time with your family and pursuing new challenges. It is a transition that is among the most complex in the business world— and life.
Tax Management Planning
A strategy to help you keep more of your returns with a tax-managed investment portfolio.
Robust Investment / College & Education Planning
The cornerstone of an effective wealth management plan is comprehensive financial planning, which captures goals, resources and expectations for the future. Morgan Stanley also offers a variety of 529 plan options to help you save for college and other education expenses as well.
Modern Wealth Tools
Morgan Stanley Online
MSO 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.
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.
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eDelivery
eDelivery provides clients with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
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Digital Vault
The Digital Vault is a document delivery, storage and
collaboration space for Morgan Stanley clients and
Financial Advisor teams.
Learn Morecollaboration space for Morgan Stanley clients and
Financial Advisor teams.
Aladdin
The Portfolio Risk Platform (PRP) is a state of the art wealth management platform providing real time analytics that enable financial advisors to identify and better understand risks in their clients’ portfolios.
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LifeView
LifeView is a suite of planning tools that includes goal-specific analysis that Financial Advisors can use with you to create a realistic, holistic strategy that integrates the various aspects of an individual’s financial life, including investments and cash management needs.
Client Profile DocumentFamily Wealth Resources
Morgan Stanley has a host of Family Office and Family Wealth Resources available to our clients. These resources help create comprehensive multi-generational strategies so clients can properly plan for the future.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Estate Planning Strategies
A fully integrated, holistic analysis of your balance sheet, estate plan, and investment strategy through a collaborative process, including your Morgan Stanley Wealth and Estate Planning Strategist and, at your request, your legal and tax advisors.
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. 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.
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. 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.
Cash Management and Lending Solutions
Comprehensive cash management and lending solutions available to compliment your investment strategy.
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
Cash Management and Lending BrochureMorgan 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
Family Governance and Wealth Education
Dedicated professionals who can help you address sensitive family issues, facilitate communication, manage conflict and achieve a shared sense of common direction in coordination with clients' outside advisors.
Family Governance and Wealth Brochure
Philanthropy Management
Provide comprehensive advisory strategies that can help our clients achieve their philanthropic goals.
Philanthropy - Wealth Plan Integration
Lifestyle Advisory Services
Provide bespoke strategies and access to knowledgeable, highly personal third-party providers to help meet your exceptional needs from the everyday to the extraordinary.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Signature AccessLifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Estate and Gift Taxes
Our team is here to help you navigate estate and gift taxes. Click on the link below to learn more about the federal and estate gift tax, exemptions, federal annual gift, and more.
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters.
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters.
WHAT'S HAPPENING WITH MY TEAM AND THE FIRM
We are fortunate to have a culture built on open discourse of thought-provoking ideas and information. While our clients expect us to share our thoughts on the latest finance and market updates, we believe that the holistic wealth management experience includes discussing lifestyle and current events as well. To this point, the Monthly Newsletter is our space to share the latest news on what is being discussed in our office.
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Learn MoreLocation
111 North Washington Ave
Ste 201
Scranton, PA 18503
US
Direct:
(570) 961-7700(570) 961-7700
Toll-Free:
(800) 733-7096(800) 733-7096
600 Main St
Hilton Head, SC 29926
US
Direct:
(843) 689-6646(843) 689-6646
Meet The Legacy Group
Mark Occhipinti
Senior Vice President, Financial Advisor
Phone:
(570) 961-7712(570) 961-7712
James Schuster
Financial Advisor
Phone:
(570) 963-2345(570) 963-2345
Cory Melisky, CFP®
Financial Advisor
Phone:
(570) 961-7702(570) 961-7702
Alec Rodway
Financial Advisor
Phone:
(570) 963-2356(570) 963-2356
Joan Magnotta
Senior Client Service Associate
Phone:
(570) 961-7727(570) 961-7727
Jennifer DeNapoli
Registered Client Relationship Analyst
Phone:
(570) 961-7718(570) 961-7718
About Ralph Colo
Ralph Colo is a Senior Vice President and Financial Advisor with the Legacy Group at Morgan Stanley. With more than 34 years of experience in the financial services industry, Ralph provides strategic leadership to the team while advising high-net-worth individuals and families, institutions, and retirement plans on disciplined, comprehensive wealth management strategies.
Ralph has earned the Senior Investment Management Consultant designation and is among a select group of advisors recognized as a Corporate Retirement Director and a U.S. Government Entity Specialist. His areas of concentration include portfolio management, asset allocation, consultative services, and risk management. He advises a diversified client base that includes high-net-worth families, corporate retirement plans, government entities, pensions, profit-sharing plans, foundations, endowments, and Taft-Hartley funds.
Ralph joined Morgan Stanley in 1994 and has navigated multiple market cycles, emphasizing prudent risk management, long-term planning, and continuity of client relationships. His professional achievements include recognition in the Managers Leadership Council. Ralph earned a Bachelor of Science degree in economics and finance from the University of Scranton.
Born and raised in Dunmore, Pennsylvania, Ralph now splits his time between Northeastern Pennsylvania and Hilton Head, South Carolina, where he serves as Branch Manager of the Morgan Stanley Hilton Head office. Outside of the office, he is an active member of several golf and athletic clubs in both South Carolina and Pennsylvania and is a parishioner at St. Francis by the Sea Church in Hilton Head. Ralph enjoys golf, running, pickleball, and reading. He is the proud father of four adult children: Quentin, Gabriella, Carena, and Nolan.
Ralph has earned the Senior Investment Management Consultant designation and is among a select group of advisors recognized as a Corporate Retirement Director and a U.S. Government Entity Specialist. His areas of concentration include portfolio management, asset allocation, consultative services, and risk management. He advises a diversified client base that includes high-net-worth families, corporate retirement plans, government entities, pensions, profit-sharing plans, foundations, endowments, and Taft-Hartley funds.
Ralph joined Morgan Stanley in 1994 and has navigated multiple market cycles, emphasizing prudent risk management, long-term planning, and continuity of client relationships. His professional achievements include recognition in the Managers Leadership Council. Ralph earned a Bachelor of Science degree in economics and finance from the University of Scranton.
Born and raised in Dunmore, Pennsylvania, Ralph now splits his time between Northeastern Pennsylvania and Hilton Head, South Carolina, where he serves as Branch Manager of the Morgan Stanley Hilton Head office. Outside of the office, he is an active member of several golf and athletic clubs in both South Carolina and Pennsylvania and is a parishioner at St. Francis by the Sea Church in Hilton Head. Ralph enjoys golf, running, pickleball, and reading. He is the proud father of four adult children: Quentin, Gabriella, Carena, and Nolan.
Securities Agent: MT, CO, WV, KS, WI, PR, UT, ND, ID, NM, MS, AL, DC, AK, IA, VI, TN, SD, OK, HI, NE, MO, NH, VA, SC, NY, IL, FL, MD, CA, TX, RI, CT, OR, NV, AR, NJ, MN, MA, WY, WA, MI, DE, IN, GA, AZ, PA, VT, NC, ME, KY, OH, LA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1393552
NMLS#: 1393552
About Mark Occhipinti
Mark Occhipinti is a Senior Vice President and Financial Advisor with the Legacy Group at Morgan Stanley and has spent 27 years in the securities industry. As a senior leader and partner of the team, Mark plays a key role in guiding long-term client relationships while advising individuals, families, foundations, and business owners on comprehensive wealth management strategies.
Mark joined Morgan Stanley in 2001 after beginning his advisory career at Merrill Lynch. Throughout his career, he has guided clients through multiple market cycles with an emphasis on disciplined planning, thoughtful portfolio construction, and long-term relationship management. After high school, Mark joined the United States Army and is a decorated war veteran, having served during the Persian Gulf War. He is a graduate of the Academy of Health and Science at Fort Sam Houston in Texas.
Born and raised in Dunmore, Pennsylvania, Mark now divides his time between Northeastern Pennsylvania and Longboat Key, Florida. Outside of the office, he is an active member of several golf and athletic clubs in both Pennsylvania and Florida and is a parishioner at Saints Anthony & Rocco Parish in Dunmore. Mark enjoys golf and racket sports and has been married to his wife, Eileen, for over 35 years.
They have three adult children: Anna, Susan, and Tommy.
Mark joined Morgan Stanley in 2001 after beginning his advisory career at Merrill Lynch. Throughout his career, he has guided clients through multiple market cycles with an emphasis on disciplined planning, thoughtful portfolio construction, and long-term relationship management. After high school, Mark joined the United States Army and is a decorated war veteran, having served during the Persian Gulf War. He is a graduate of the Academy of Health and Science at Fort Sam Houston in Texas.
Born and raised in Dunmore, Pennsylvania, Mark now divides his time between Northeastern Pennsylvania and Longboat Key, Florida. Outside of the office, he is an active member of several golf and athletic clubs in both Pennsylvania and Florida and is a parishioner at Saints Anthony & Rocco Parish in Dunmore. Mark enjoys golf and racket sports and has been married to his wife, Eileen, for over 35 years.
They have three adult children: Anna, Susan, and Tommy.
Securities Agent: NC, WY, PA, ME, MA, DC, CA, MI, VT, SC, MD, DE, VA, OK, FL, NY, NV, KY, AZ, AR, WA, CT, CO, TX, NJ, IL, GA, RI, OH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1253115
NMLS#: 1253115
About James Schuster
Jim Schuster is a Vice President and Financial Advisor with the Legacy Group at Morgan Stanley and brings more than 25 years of experience in the financial services industry. He advises individuals and families with an emphasis on long-term planning, disciplined investment strategy, and highly personalized client service.
Prior to joining the Legacy Group in 2015, Jim held investment roles at Wells Fargo, Alliance Bernstein, and A.G. Edwards, building a broad foundation across multiple platforms and client environments. His experience across market cycles has shaped a steady, relationship-driven approach to helping clients navigate financial decisions. Jim graduated magna cum laude with a Bachelor of Science degree in finance from the University of Scranton.
Born and raised in Dunmore, Pennsylvania, Jim continues to live in the area and remains engaged in his community. Outside of the office, he is a parishioner at Saints Anthony & Rocco Parish in Dunmore, an avid sports fan, and a longtime supporter of the Alabama Crimson Tide. Jim is married to his wife, Amy, and they have two teenage children, Michael and Justin.
Prior to joining the Legacy Group in 2015, Jim held investment roles at Wells Fargo, Alliance Bernstein, and A.G. Edwards, building a broad foundation across multiple platforms and client environments. His experience across market cycles has shaped a steady, relationship-driven approach to helping clients navigate financial decisions. Jim graduated magna cum laude with a Bachelor of Science degree in finance from the University of Scranton.
Born and raised in Dunmore, Pennsylvania, Jim continues to live in the area and remains engaged in his community. Outside of the office, he is a parishioner at Saints Anthony & Rocco Parish in Dunmore, an avid sports fan, and a longtime supporter of the Alabama Crimson Tide. Jim is married to his wife, Amy, and they have two teenage children, Michael and Justin.
Securities Agent: IL, PA, CA, WA, VA, NV, FL, VT, MD, KY, GA, WY, OH, NC, ID, AZ, NY, MI, DE, CO, SC, NJ, MA, CT, AR, TX, RI, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 1432521
NMLS#: 1432521
About Cory Melisky
Securities Agent: FL, OR, NV, KY, CT, CO, AZ, TX, SC, RI, NJ, DE, DC, AR, MN, WA, MD, MA, VA, ME, IL, GA, CA, MI, WY, VT, PA, OH, NY, LA, OK, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 1440171
NMLS#: 1440171
About Alec Rodway
Alec Rodway is a Financial Advisor and Financial Planning Specialist with the Legacy Group at Morgan Stanley. He works with individuals and families to deliver comprehensive wealth management strategies, with a focus on financial planning, portfolio construction, and long-term objective setting.
Prior to joining the Legacy Group in 2021, Alec served as a Financial Advisor at Merrill Lynch from 2019 to 2021. He brings an analytical, disciplined approach to advising clients and applies a structured planning process to support informed decision-making and long-term financial outcomes.
Alec earned a Bachelor of Arts degree in mathematics from Misericordia University, where he was a member of the university’s basketball team. His quantitative background supports a methodical, detail-oriented approach to financial planning and analysis.
Born and raised in Peckville, Pennsylvania, Alec continues to live in the area and remains active in his local community. Outside of the office, he serves on the Finance Council for Sacred Heart of Jesus Church and is a member of Elkview Country Club. Alec enjoys golf, running, and biking, recently completed his first marathon, and is an avid fan of improv and stand-up comedy.
Prior to joining the Legacy Group in 2021, Alec served as a Financial Advisor at Merrill Lynch from 2019 to 2021. He brings an analytical, disciplined approach to advising clients and applies a structured planning process to support informed decision-making and long-term financial outcomes.
Alec earned a Bachelor of Arts degree in mathematics from Misericordia University, where he was a member of the university’s basketball team. His quantitative background supports a methodical, detail-oriented approach to financial planning and analysis.
Born and raised in Peckville, Pennsylvania, Alec continues to live in the area and remains active in his local community. Outside of the office, he serves on the Finance Council for Sacred Heart of Jesus Church and is a member of Elkview Country Club. Alec enjoys golf, running, and biking, recently completed his first marathon, and is an avid fan of improv and stand-up comedy.
Securities Agent: WY, ME, DC, WA, PA, NJ, GA, TX, TN, OH, NY, MA, KY, FL, DE, CT, RI, OK, MI, CO, VT, VA, NV, MN, IN, AR, OR, MD, CA, LA, IL, AZ, SC, NC, ID; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1932473
NMLS#: 1932473
About Jennifer DeNapoli
Jennifer DeNapoli is a Registered Client Relationship Analyst with the Legacy Group at Morgan Stanley and has 25 years of experience in the financial services industry. She supports client relationships and advisory operations, helping ensure accuracy, consistency, and operational excellence across the client experience.
Before joining the Legacy Group in September 2025, Jennifer worked across numerous firms, developing a broad understanding of financial planning strategies, including retirement planning, budgeting and cash flow, debt management, tax planning, risk management, and estate planning. She also has extensive experience supporting business owners and business retirement plans, with a strong emphasis on operational efficiency, regulatory compliance, and process improvement.
Jennifer earned a Bachelor of Arts degree in Communication from the University of Scranton and holds a Certificate in Business Process Management from Villanova University College of Professional Studies.
Born and raised in Dunmore, Pennsylvania, Jennifer recently returned to her hometown after spending more than ten years in the Harrisburg area.
Outside of the office, she remains engaged in her community as an active member of the UNICO Scranton Chapter, a graduate of the Leadership Harrisburg Area Community Leadership Series program, a Dream Team member of The Fund for Women and Girls, a volunteer with Junior Achievement of Central Pennsylvania and the Central Pennsylvania Food Bank. She attends Saints Anthony & Rocco Parish in Dunmore.
Jennifer enjoys travel, live music, and teaching dance and is the proud mother of an adult son, Joseph.
Before joining the Legacy Group in September 2025, Jennifer worked across numerous firms, developing a broad understanding of financial planning strategies, including retirement planning, budgeting and cash flow, debt management, tax planning, risk management, and estate planning. She also has extensive experience supporting business owners and business retirement plans, with a strong emphasis on operational efficiency, regulatory compliance, and process improvement.
Jennifer earned a Bachelor of Arts degree in Communication from the University of Scranton and holds a Certificate in Business Process Management from Villanova University College of Professional Studies.
Born and raised in Dunmore, Pennsylvania, Jennifer recently returned to her hometown after spending more than ten years in the Harrisburg area.
Outside of the office, she remains engaged in her community as an active member of the UNICO Scranton Chapter, a graduate of the Leadership Harrisburg Area Community Leadership Series program, a Dream Team member of The Fund for Women and Girls, a volunteer with Junior Achievement of Central Pennsylvania and the Central Pennsylvania Food Bank. She attends Saints Anthony & Rocco Parish in Dunmore.
Jennifer enjoys travel, live music, and teaching dance and is the proud mother of an adult son, Joseph.
Contact Ralph Colo
Contact Mark Occhipinti
Contact James Schuster
Contact Cory Melisky
Contact Alec Rodway
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
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- 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
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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
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Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
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Small Business Retirement Plans
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Legacy 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 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.
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.
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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 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.
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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley 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.
5Morgan 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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
