Glenda Gough, RICP®
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(256) 650-4031(256) 650-4031
The Legacy Group of Huntsville at Morgan Stanley
Direct:
(256) 650-4003(256) 650-4003
Toll-Free:
(800) 633-2947(800) 633-2947
Our Mission Statement
We aspire to build lasting, meaningful relationships based on confidence and integrity by offering comprehensive, objective financial advice to clients who desire a high level of personal service.
Our Story
The Legacy Group formed to bring together more than 100 years of industry experience to provide you with the service and to meet your unique needs. The team has developed into a fully integrated financial services group that enables us to determine your investment objectives and work with you to help plan for your future. Through intensive planning, we work with you to develop your ideas into attainable investment goals and use the resources of Morgan Stanley to help make those goals a reality. We use the best data available to carefully craft wealth management strategies designed to help you meet your distinctive situation. Clients often come to us through some period of transition looking for guidance which allows us to leverage our experience to assist in navigating these formative life changes.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Leslie & Heather's Corner
Welcome to Leslie & Heather's Corner, where all things related to lifestyle, team news, and bits of useful information can be found. We are always looking to provide our clients with not only market and finance resources, but also with other helpful resources that can have a huge impact on you and your loved ones. Constantly being updated, these articles and podcasts are handpicked by our own, Leslie Solley & Heather Saint. Enjoy!
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our cutting edge tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential, manage unrealized gains and help keep more of what you earn.
Learn More
Preferred Savings Program
Once you open a Morgan Stanley Brokerage Account, you can make the most of your idle cash with our competitive Preferred Savings Program.
Help Keep Your Cash Working for You
Preferred Certificates of Deposit (CDs)
Once you open a Morgan Stanley Brokerage Account, you can potentially grow your wealth with our competitive fixed rate Preferred Certificates of Deposit (CDs) offerings.
Lock in a Competitive RateOur Process: Focused On You.
At The Legacy Group of Huntsville, we utilize a systematic consulting process to uncover your most important goals, and implement appropriate strategies to help empower you to achieve and maintain financial success. Throughout our four-step process, we provide objective advice and investment insights to design an all-inclusive plan that is uniquely yours.
1: Personal Review
Before we can advise you, we must first understand
you and your goals. We guide you through a detailed
conversation to identify your objectives, time horizon, tolerance for risk and other considerations that may play an important role in shaping your investment strategy.
you and your goals. We guide you through a detailed
conversation to identify your objectives, time horizon, tolerance for risk and other considerations that may play an important role in shaping your investment strategy.
2: Asset Allocation and Portfolio Planning
Your input drives the development of a personalized
financial strategy. Designed to help meet your specific
goals, it addresses such areas as retirement, estate planning and tax management strategies. When our analysis is complete, we will present an investment strategy that helps identify appropriate diversification for your portfolio.
Disclosures:
Asset allocation and diversification do not guarantee a profit or protect against a loss in a declining financial market.
financial strategy. Designed to help meet your specific
goals, it addresses such areas as retirement, estate planning and tax management strategies. When our analysis is complete, we will present an investment strategy that helps identify appropriate diversification for your portfolio.
Disclosures:
Asset allocation and diversification do not guarantee a profit or protect against a loss in a declining financial market.
3: Implementation
Once we’ve discussed and reined your strategy, we work
closely with you to help bring each element of your strategy to
life. Should we decide that outside money managers are
appropriate, we will draw on in-depth research and
analysis to help select among the hundreds of investment management firms available. If you prefer to invest in individual securities, we can help identify specific stocks, bonds and other securities that may be suitable for your portfolio. Whatever approach we implement, we are committed to keeping your strategy on track.
closely with you to help bring each element of your strategy to
life. Should we decide that outside money managers are
appropriate, we will draw on in-depth research and
analysis to help select among the hundreds of investment management firms available. If you prefer to invest in individual securities, we can help identify specific stocks, bonds and other securities that may be suitable for your portfolio. Whatever approach we implement, we are committed to keeping your strategy on track.
4: Ongoing Communications and Reporting
Transparency is key to a successful long-term relationship. We make every effort to keep abreast of your changing financial needs and provide viable strategies to help you meet your goals. This means reviewing your portfolio together on a regular basis. When your circumstances change, we will work to revise your strategy and reposition your assets to reflect your new needs and goals.
Morgan Stanley's Digital Offerings
The Legacy Group of Huntsville believes that digital technology plays a crucial role in how our clients communicate, consume, transact and travel. Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll TodayRetirement Planning & Wealth Resources
Just below are resources that contain the latest insight and information that can help you become more informed of your financial picture.
Insured Solutions
As a leader in the distribution of insurance and annuities, our offerings include disability, long-term care and property & casualty insurance, as well as fixed, indexed and variable annuities. Morgan Stanley offers these products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley Insured Solutions
Donor Advised Funds (DAF)
A solution that may help you execute planned giving, offer an efficient way to donate complex and illiquid assets, and simplify charitable giving reporting while potentially mitigating taxes. Bring philanthropy into your wealth plan and help amplify the impact of your giving through the Morgan Stanley Global Impact Funding Trust (MS GIFT).
MS GIFTTotal Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential, manage unrealized gains and help keep more of what you earn.
Learn MoreLocation
305 Church Street SW
Ste 720
Huntsville, AL 35801
US
Direct:
(256) 650-4003(256) 650-4003
Toll-Free:
(800) 633-2947(800) 633-2947
Meet The Legacy Group of Huntsville
Jonathan Beuoy
Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(256) 650-4028(256) 650-4028
Phone:
(256) 650-4033(256) 650-4033
Leslie Solley
Vice President, Wealth Management Associate, Financial Planning Specialist
Phone:
(256) 650-4003(256) 650-4003
Heather Saint
Sr. Registered Client Service Associate, Financial Planning Specialist
Phone:
(256) 650-4030(256) 650-4030
About Glenda Gough
Glenda B. Gough, RICP®
Portfolio Management Director
Senior Vice President
Financial Advisor
NMLS#1275811
256-650-4031
Glenda Gough is a Financial Advisor and Senior Vice President, and holds a Retirement Income Certified Professional® (RICP®) designation. She has over 45 years of experience in the wealth management industry, with 38 of those as a Financial Advisor. She has been with Morgan Stanley and its predecessor firm, Dean Witter, her entire career.
Glenda’s diverse experience provides a distinctive perspective on wealth management. She began her career at Dean Witter and served many years as the Operations Manager for the Huntsville branch. While an administrator, she was selected to serve on Morgan Stanley's Advisory Council and received numerous awards for outstanding dedicated service. As her personal interest in assisting individuals through financial advising grew, she redirected her career path, earning her General Securities Representative licenses and General Securities Sales Supervisor license. Glenda began building her practice with an emphasis on long-term relationships supported by integrity and trust. She takes pride that many of her clients have worked with her for decades, including families whom she has served for multiple generations.
While working with her clients, Glenda realized the importance of retirement Income planning, and earned the Retirement Income Certified Professional designation, RICP®. The RICP® is the nation’s leading credential for building integrated and comprehensive retirement income plans. She also holds the Investment Management Consultant designation from the Wharton School of the University of Pennsylvania. She is also a Portfolio Manager for her clients preferring discretionary portfolio management.
Glenda believes in giving back to the community. She has volunteered with St. Vincent de Paul Society through their Church and is currently on the low interest loan committee helping people victimized by title loans and other high interest loan predators.
She and her husband, Charles enjoy spending time with their two grown children, Chelsea and Harrison, and their two grand-pups, Alfie and Georgie . They also enjoy SEC football and theater, traveling, boating and hiking.
Portfolio Management Director
Senior Vice President
Financial Advisor
NMLS#1275811
256-650-4031
Glenda Gough is a Financial Advisor and Senior Vice President, and holds a Retirement Income Certified Professional® (RICP®) designation. She has over 45 years of experience in the wealth management industry, with 38 of those as a Financial Advisor. She has been with Morgan Stanley and its predecessor firm, Dean Witter, her entire career.
Glenda’s diverse experience provides a distinctive perspective on wealth management. She began her career at Dean Witter and served many years as the Operations Manager for the Huntsville branch. While an administrator, she was selected to serve on Morgan Stanley's Advisory Council and received numerous awards for outstanding dedicated service. As her personal interest in assisting individuals through financial advising grew, she redirected her career path, earning her General Securities Representative licenses and General Securities Sales Supervisor license. Glenda began building her practice with an emphasis on long-term relationships supported by integrity and trust. She takes pride that many of her clients have worked with her for decades, including families whom she has served for multiple generations.
While working with her clients, Glenda realized the importance of retirement Income planning, and earned the Retirement Income Certified Professional designation, RICP®. The RICP® is the nation’s leading credential for building integrated and comprehensive retirement income plans. She also holds the Investment Management Consultant designation from the Wharton School of the University of Pennsylvania. She is also a Portfolio Manager for her clients preferring discretionary portfolio management.
Glenda believes in giving back to the community. She has volunteered with St. Vincent de Paul Society through their Church and is currently on the low interest loan committee helping people victimized by title loans and other high interest loan predators.
She and her husband, Charles enjoy spending time with their two grown children, Chelsea and Harrison, and their two grand-pups, Alfie and Georgie . They also enjoy SEC football and theater, traveling, boating and hiking.
Securities Agent: UT, MS, IA, GA, AR, WA, MI, DC, NY, LA, VA, TX, MD, NC, MO, PA, FL, AL, SC, NM, ME, KY, DE, CA, AZ, TN, OH, NJ, MA, CO; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1275811
CA Insurance License #: OH39048
NMLS#: 1275811
CA Insurance License #: OH39048
About Jonathan Beuoy
Jonathan D. Beuoy
Financial Advisor
Vice President
Sr. Portfolio Manager
NMLS# 1764851
256-650-4028
By putting clients first and sincerely caring about their well-being, Jonathan Beuoy has developed a successful practice focused on servicing the needs of entrepreneurs, professionals, and high net worth families.
Jonathan utilizes a comprehensive wealth management process to develop actionable plans tailored to individual situations. He is dedicated to thoroughly understanding each client’s financial position as well as their goals, values, and appetite for risk. He uses this information along with the firm’s modern wealth management analytics and risk management tools to formulate customized strategies. To help ensure clients are comfortable with his approach, Jonathan takes the necessary time to educate and explain their program’s details.
He is a big believer in the firm’s core values of acting with integrity to deliver first‐class business in a first‐class way. Jonathan endeavors to provide an extraordinary high level of service. Clients’ portfolios are attentively monitored, and meetings are scheduled to appraise goals and evaluate financial conditions. He is accessible and all questions are welcomed.
Prior to joining Morgan Stanley in 2017, Jonathan spent 10 years working for the Department of Defense where he managed internal repair programs and the national supply chain for Army aircraft parts. He also worked at the Pentagon where he helped shape Army policy for the national supply system. Jonathan holds a degree in Business Management from the University of Alabama, Tuscaloosa.
He has two wonderful children, Maddox and Caroline. In his spare time, Jonathan enjoys time with his family, playing golf, fishing, and traveling.
Financial Advisor
Vice President
Sr. Portfolio Manager
NMLS# 1764851
256-650-4028
By putting clients first and sincerely caring about their well-being, Jonathan Beuoy has developed a successful practice focused on servicing the needs of entrepreneurs, professionals, and high net worth families.
Jonathan utilizes a comprehensive wealth management process to develop actionable plans tailored to individual situations. He is dedicated to thoroughly understanding each client’s financial position as well as their goals, values, and appetite for risk. He uses this information along with the firm’s modern wealth management analytics and risk management tools to formulate customized strategies. To help ensure clients are comfortable with his approach, Jonathan takes the necessary time to educate and explain their program’s details.
He is a big believer in the firm’s core values of acting with integrity to deliver first‐class business in a first‐class way. Jonathan endeavors to provide an extraordinary high level of service. Clients’ portfolios are attentively monitored, and meetings are scheduled to appraise goals and evaluate financial conditions. He is accessible and all questions are welcomed.
Prior to joining Morgan Stanley in 2017, Jonathan spent 10 years working for the Department of Defense where he managed internal repair programs and the national supply chain for Army aircraft parts. He also worked at the Pentagon where he helped shape Army policy for the national supply system. Jonathan holds a degree in Business Management from the University of Alabama, Tuscaloosa.
He has two wonderful children, Maddox and Caroline. In his spare time, Jonathan enjoys time with his family, playing golf, fishing, and traveling.
Securities Agent: MI, CO, WA, UT, MS, MO, AL, VA, ME, GA, TX, PA, NJ, LA, FL, NY, CA, AR, SC, AZ, NM, DE, DC, TN, OH, KY, NC, MA, MD, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 1764851
CA Insurance License #: OM52892
NMLS#: 1764851
CA Insurance License #: OM52892
About Harrison Gough
Harrison Gough
Financial Advisor
Financial Planning Specialist
256-650-4033
Harrison Gough is a Financial Advisor with The Legacy Group of Huntsville. He holds a bachelor’s degree in finance from The University of Alabama, Tuscaloosa. After graduating, he spent his career in various business development capacities in the technology field until joining the team in 2023. Since joining, Harrison has successfully passed the FINRA (Financial Industry Regulatory Authority) Series 7 & 66 registration exams, life & health insurance exam, and has earned the firm’s Financial Planning Specialist designation.
With a primary focus on financial planning and portfolio analysis Harrison works to develop strong interpersonal relationships with clients to understand their goals and financial position. It is his belief that a wholistic approach to understanding the individual or family financial picture is the only way to deliver a comprehensive wealth management and financial planning practice, and that understanding both sides of the balance sheet is the only way to deliver The Legacy Group and Morgan Stanley’s full capabilities.
In his free time, you can find Harrison walking his goldendoodle, Alfie, around downtown Huntsville, out on Lake Guntersville with friends, cheering on The Tide, working out, or off in nature camping, kayaking, mountain biking or hiking.
Financial Advisor
Financial Planning Specialist
256-650-4033
Harrison Gough is a Financial Advisor with The Legacy Group of Huntsville. He holds a bachelor’s degree in finance from The University of Alabama, Tuscaloosa. After graduating, he spent his career in various business development capacities in the technology field until joining the team in 2023. Since joining, Harrison has successfully passed the FINRA (Financial Industry Regulatory Authority) Series 7 & 66 registration exams, life & health insurance exam, and has earned the firm’s Financial Planning Specialist designation.
With a primary focus on financial planning and portfolio analysis Harrison works to develop strong interpersonal relationships with clients to understand their goals and financial position. It is his belief that a wholistic approach to understanding the individual or family financial picture is the only way to deliver a comprehensive wealth management and financial planning practice, and that understanding both sides of the balance sheet is the only way to deliver The Legacy Group and Morgan Stanley’s full capabilities.
In his free time, you can find Harrison walking his goldendoodle, Alfie, around downtown Huntsville, out on Lake Guntersville with friends, cheering on The Tide, working out, or off in nature camping, kayaking, mountain biking or hiking.
Securities Agent: NV, OR, WV, OH, SC, PA, NJ, MS, MO, IL, AR, WA, MD, KY, CA, TN, NM, MT, GA, DC, CO, NY, FL, DE, TX, NC, MI, ME, LA, KS, IA, MA, VA, UT, AZ, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 2599695
CA Insurance License #: 4442725
NMLS#: 2599695
CA Insurance License #: 4442725
About Leslie Solley
Leslie K. Solley
Vice President
Wealth Management Associate
Financial Planning Associate
256-650-4003
Leslie joined Morgan Stanley in August of 1984, beginning her career in Operations. In 1995, to further her career with Morgan Stanley, she earned her General Securities Representative Series 7 and 63 licenses. In 2001, she earned the designation as Investment Advisor Representative by passing the Series 65. Leslie completed courses of additional study to earn the designation of Financial Planning Associate. As a Wealth Management Associate, Leslie was recently promoted to Assistant Vice President.
Leslie brings a genuine interest to her focus on providing the best of class client service experience. She diligently and professionally strives to ensure that client operational issues are resolved promptly and accurately. Leslie maintains a thorough and practical understanding of legal and compliance guidelines.
Born and raised in Huntsville, AL, Leslie and her husband, Gary, have one son, Matthew, as well as two dogs and one cat. When not at work, she enjoys interior design, bowling and spending time with her family; especially her two granddaughters.
Vice President
Wealth Management Associate
Financial Planning Associate
256-650-4003
Leslie joined Morgan Stanley in August of 1984, beginning her career in Operations. In 1995, to further her career with Morgan Stanley, she earned her General Securities Representative Series 7 and 63 licenses. In 2001, she earned the designation as Investment Advisor Representative by passing the Series 65. Leslie completed courses of additional study to earn the designation of Financial Planning Associate. As a Wealth Management Associate, Leslie was recently promoted to Assistant Vice President.
Leslie brings a genuine interest to her focus on providing the best of class client service experience. She diligently and professionally strives to ensure that client operational issues are resolved promptly and accurately. Leslie maintains a thorough and practical understanding of legal and compliance guidelines.
Born and raised in Huntsville, AL, Leslie and her husband, Gary, have one son, Matthew, as well as two dogs and one cat. When not at work, she enjoys interior design, bowling and spending time with her family; especially her two granddaughters.
About Heather Saint
Heather D. Saint
Sr. Registered Client Service Associate
Heather joined the team at Morgan Stanley in October 2012. She started her career in the Wealth Management industry in 1997, with thirteen years at Merrill Lynch and two years at UBS Financial. Heather earned her General Securities Representative Series 7 and Series 63 licenses in 1999.
She graduated from the University of North Alabama in 1995 with a B.S. in Education and a minor in Business. Heather serves as the scheduler, online services specialist and marketing coordinator for The Legacy Group of Huntsville. Her focus is , setting up portfolio reviews and helping the team be proactive in communication with our clients. She also helps clients enroll, navigate and utilize the online services we offer at Morgan Stanley.
Heather and her husband, Shannon, live in Scottsboro and have a daughter, Baylee. In her off time Heather enjoys crafting with friends and spending time on the lake.
Sr. Registered Client Service Associate
Heather joined the team at Morgan Stanley in October 2012. She started her career in the Wealth Management industry in 1997, with thirteen years at Merrill Lynch and two years at UBS Financial. Heather earned her General Securities Representative Series 7 and Series 63 licenses in 1999.
She graduated from the University of North Alabama in 1995 with a B.S. in Education and a minor in Business. Heather serves as the scheduler, online services specialist and marketing coordinator for The Legacy Group of Huntsville. Her focus is , setting up portfolio reviews and helping the team be proactive in communication with our clients. She also helps clients enroll, navigate and utilize the online services we offer at Morgan Stanley.
Heather and her husband, Shannon, live in Scottsboro and have a daughter, Baylee. In her off time Heather enjoys crafting with friends and spending time on the lake.
Contact Glenda Gough
Contact Jonathan Beuoy
Contact Harrison Gough
Wealth Management
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Iran Conflict: Seven Takeaways for Investors
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Know What to Do if You Think You've Been Hacked
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Financial Planning for Life After Selling a Business
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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Ready to start a conversation? Contact The Legacy Group of Huntsville today.
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.
2When 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.
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, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan 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.
6Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
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, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan 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.
6Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
