First Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager, Alternative Investments Director
Phone:
(972) 774-6549(972) 774-6549
The Liberty Group of Texas at Morgan Stanley
Direct:
(972) 774-6549(972) 774-6549
Our Mission Statement
Enriching the lives of our clients by tailoring solutions which help navigate significant business, life and legacy issues.
Our Story
At the Liberty Group of Texas at Morgan Stanley, we are committed to making a positive impact in our clients’ lives and helping them plan for the future they envision for themselves. With over 75 years of combined experience, we’ve observed numerous market environments; as a result, we are able to leverage Morgan Stanley’s intellectual capital and world-class resources to help you navigate through complex financial markets. Additionally, we understand the need to take a holistic approach to financial planning so that almost every aspect of your financial life is accounted for and included in a workable financial plan. Our process begins with you. We look forward to your call and welcome the opportunity to work alongside you and your family.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Wealth ManagementFootnote3
- Professional Portfolio ManagementFootnote4
- Alternative InvestmentsFootnote5
- Estate Planning StrategiesFootnote6
- Executive Financial ServicesFootnote7
- Business Succession PlanningFootnote8
- Cash Management and Lending ProductsFootnote9
- Life InsuranceFootnote10
- Long Term Care InsuranceFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your needs. In our experience working with clients, we have developed a step-by-step approach to service:
Discovery Process
We take the time to fully understand you and your family. Whether you’re planning for retirement, purchasing a home, or living out your golden years – we consider all of your challenges, goals, and aspirations when building your financial picture.
Forming Your Strategy
Using your life goals as our compass, we create a risk-balanced strategy which maps a clear path to achieving your success.
Implementing Your Plan
We apply extensive research and analysis, and also utilize Morgan Stanley’s full suite of resources, to ensure swift decisive action in all market scenarios.
Measuring Your Success
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. Our ultimate mission is your success and well-being.
Specializations
We leverage our unique position and our affiliates to source innovative strategies from among the most knowledgeable investment minds in the business. Employing rigorous due diligence to identify, evaluate and select each alternative investment product on our platform, we work to identify the managers that we believe are highly qualified to help our clients meet their objectives. Your choices will depend on your goals, objectives and risk tolerance.
Private Equity
With investment opportunities, generally in privately held companies, that are not available through traditional public markets, private equity may offer both attractive long-term return potential and the opportunity for diversification through historically low correlation to traditional strategies.
Learn More
Private Credit
We manage a well-defined group of strategies and seek to deliver attractive returns to our investors by forging successful partnerships with our portfolio companies.
Learn More
Hedge Funds
Professionally managed hedge funds use sophisticated strategies to potentially generate returns higher than traditional stock and bond investments.
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Private Real Estate
Private real estate is an investment in the active management of institutional quality real estate properties for the purpose of generating current income and/or long-term appreciation.
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1031 Exchange
A procedure that allows an owner of appreciated real estate to exchange that property for an alternative “like-kind” property while deferring capital gains.
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Exchange Funds
An exchange fund is a special-purpose vehicle that offers holders the ability to diversify their investments by exchanging stock positions, oftentimes in highly appreciated or restricted stock, for shares of a diversified portfolio. Contributions of appreciated stock to a properly structured exchange fund are not taxable under current federal tax law.
Learn MoreModern Wealth Management Tools
We The Liberty Group of Texas at Morgan Stanley provide our clients with a comprehensive suite of tools to manage your wealth more effectively in today's ever-changing world. Please feel free to reach out to us for information or assistance with any of these tools.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:
- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App.
- eDelivery, which reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves.
- Managing your everyday finances such as paying bills online, sending money or transferring funds.
Learn More About MSO- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App.
- eDelivery, which reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves.
- Managing your everyday finances such as paying bills online, sending money or transferring funds.
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
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.
Completing your financial picture with Total Wealth View gives our clients the benefit of more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About TWVThe 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.
Completing your financial picture with Total Wealth View gives our clients the benefit of more informed wealth planning, more secure data access, and convenient connectivity.
Goals Planning System
Our Goals Planning System (GPS) is an innovative platform built on Morgan Stanley's intellectual capital and capabilities, to provide our clients with comprehensive investing and planning solutions for their individual goals.
Learn More About GPS
eDelivery
eDelivery provides you 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.
Learn More About eDelivery
eSign
eSign is a paperless alternative to the traditional means signing physical documents. This tool allows clients to easily receive, review and execute documents in a hassle-free and environmentally friendly way.
eAuthorization
eAuthorizations (eAuth) allows clients to electronically authorize domestic and international, one-time/recurring transactions through Morgan Stanley Online and the Morgan Stanley Mobile App.
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows clients and their families to build a central, shared document library where all documents are stored using encryption.
Learn More About Digital Vault
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts. Our Spending and Budgeting Tool makes it easy for you and your Financial Advisor to see your complete financial picture.
Learn More About our Spending and Budgeting ToolInvestor Resources
At Morgan Stanley, we provide clients with resources meant to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern market and economic landscape.
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
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income. From simplified vehicles available more broadly to institutional strategies, the platform supports a goals-based approach for asset allocation tailored to investor needs.
Morgan Stanley Alternative Investments
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 Today
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
Morgan Stanley Blue Cash Preferred® American Express Card
A very welcoming offer. Earn a $250 statement credit with the Morgan Stanley Blue Cash Preferred® American Express Card.
Terms apply. Learn More.
A $695 Annual Engagement Bonus
For eligible Platinum CashPlus brokerage account clients with The Platinum Card® from American Express, exclusively for Morgan Stanley. Certain Morgan Stanley Debit Cardholders may also qualify. Terms apply.
Click Here to Learn More
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
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit our Security CenterLocation
5001 Spring Valley Rd
Ste 900W
Dallas, TX 75244
US
Direct:
(972) 774-6549(972) 774-6549
Meet The Liberty Group of Texas
Phone:
(972) 774-6802(972) 774-6802
Cailey Patterson
Registered Client Service Associate
Phone:
(214) 696-7012(214) 696-7012
Jordan Marquez
Registered Client Service Associate
Phone:
(972) 774-6584(972) 774-6584
About C. Ryan Hill
For over 37 years, Ryan has been fortunate to live out his passion for making a positive impact in the lives of his clients. He finds the work he does with the NorthStar Legacy Group at Morgan Stanley, truly gratifying and fulfilling. He can see the fruits of the team’s labor playing out in his clients’ lives as they help fulfill their retirement dreams. Another one of Ryan’s passions is giving back to his community through his support of St. Jude Children’s Research Hospital, Prestonwood Pregnancy Center, and his volunteer work with BridgeBuilders, a local inner-city ministry.
A native of Fayetteville, Arkansas, Ryan received his Bachelor of Science degree in Geology, in May 1982, from the University of Arkansas. Upon graduating college, Ryan began working as a geologist with Enserch Exploration in Dallas. He departed from Enserch, in the summer of 1984, to serve as President of Lynx Exploration, Inc., an independent oil and gas exploration company. Ryan's career with Morgan Stanley, as a Financial Advisor, began in the spring of 1988.
Ryan has three adult children, Canon, Lily, and Alexandra. After graduating Southern Methodist University with Bachelor of Arts degrees in Political Science and History, Canon, received his Doctor of Law - JD, from Baylor University School of Law and currently works as an attorney in Austin, Texas. Lily received her Associate’s degree in Criminology from the University of Arkansas then attended Collin Culinary Arts Program. She currently is a chef-in-training at a James Beard nominated restaurant in Frisco, Texas. Alexandra attended Southern Methodist University and Baylor Medical School. She works as an Emergency Medicine Physician in Bay Area of California.
Outside of the office, Ryan enjoys participating in an array of leisure and athletic activities such as alpine skiing, fly fishing, martial arts, running, cycling and mountain biking.
A native of Fayetteville, Arkansas, Ryan received his Bachelor of Science degree in Geology, in May 1982, from the University of Arkansas. Upon graduating college, Ryan began working as a geologist with Enserch Exploration in Dallas. He departed from Enserch, in the summer of 1984, to serve as President of Lynx Exploration, Inc., an independent oil and gas exploration company. Ryan's career with Morgan Stanley, as a Financial Advisor, began in the spring of 1988.
Ryan has three adult children, Canon, Lily, and Alexandra. After graduating Southern Methodist University with Bachelor of Arts degrees in Political Science and History, Canon, received his Doctor of Law - JD, from Baylor University School of Law and currently works as an attorney in Austin, Texas. Lily received her Associate’s degree in Criminology from the University of Arkansas then attended Collin Culinary Arts Program. She currently is a chef-in-training at a James Beard nominated restaurant in Frisco, Texas. Alexandra attended Southern Methodist University and Baylor Medical School. She works as an Emergency Medicine Physician in Bay Area of California.
Outside of the office, Ryan enjoys participating in an array of leisure and athletic activities such as alpine skiing, fly fishing, martial arts, running, cycling and mountain biking.
Securities Agent: CA, VA, NJ, NC, HI, AR, WI, TN, MI, MA, DE, OK, NY, IA, AL, NM, MT, FL, PA, OR, NV, ID, GA, MO, KY, KS, AZ, NH, WA, TX, SC, OH, LA, CO; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282966
CA Insurance License #: 4177133
AR Insurance License #: 386273
NMLS#: 1282966
CA Insurance License #: 4177133
AR Insurance License #: 386273
About Keith Evans
Driven by legacy aspirations, Keith strives to leave things better than he found them. Whether he is making a positive impact in his clients’ lives or in his community, he feels an immense responsibility to help his fellow man. This is a core value for him which truly fires him up and gets him out of bed every day. His desire to help people led him to build career as a financial advisor with Smith Barney back in 1976. Over the years, Keith has established himself as a true veteran of the financial services industry with a wealth of experience behind him. He joined Morgan Stanley in 2003, attracted to its institutional research, investment banking capabilities, and private banking and lending resources.
Born and Raised in Texarkana, Texas, Keith would eventually attend Dallas’s Southern Methodist University, where he received both his Bachelor of Business Administration degree and his Master of Business Administration degree. He has lived in Dallas with his loving family ever since.
Keith and his wife, Marilyn, have two sons, Drew and Clay. Drew is married to Hannah-Marie Avants from Thibodaux, LA. Clay is married to Blake Johnston from Metairie, LA. Keith’s oldest son, Jeff, has a daughter named Sarah and is a soon-to-be graduate in the Honors College of the University of Houston. She makes Keith an extremely proud “Grandpa Keith”.
Outside of his family and work, Keith is dedicated to his alma mater and to his community. For more than forty years Keith has been involved with the SMU Mustang Club. He and his family are members of the Highland Park United Methodist Church.
Born and Raised in Texarkana, Texas, Keith would eventually attend Dallas’s Southern Methodist University, where he received both his Bachelor of Business Administration degree and his Master of Business Administration degree. He has lived in Dallas with his loving family ever since.
Keith and his wife, Marilyn, have two sons, Drew and Clay. Drew is married to Hannah-Marie Avants from Thibodaux, LA. Clay is married to Blake Johnston from Metairie, LA. Keith’s oldest son, Jeff, has a daughter named Sarah and is a soon-to-be graduate in the Honors College of the University of Houston. She makes Keith an extremely proud “Grandpa Keith”.
Outside of his family and work, Keith is dedicated to his alma mater and to his community. For more than forty years Keith has been involved with the SMU Mustang Club. He and his family are members of the Highland Park United Methodist Church.
Securities Agent: NC, MD, TN, AZ, PR, ID, AR, WI, SC, LA, IN, HI, OK, MO, MA, AL, VA, OH, NY, MI, CA, TX, IA, GA, DE, CO, WA, OR, KS, PA, NM, FL, NV, NH, MT, KY, NJ; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1268261
CA Insurance License #: OG95953
AR Insurance License #: 1205915
NMLS#: 1268261
CA Insurance License #: OG95953
AR Insurance License #: 1205915
About Cailey Patterson
A Houston native, Cailey Patterson earned her MA in Economics and International Relations from the University of St Andrews in Scotland. Before joining Morgan Stanley as the Team Administrator, she was the team's intern for two consecutive summers, equipping her with a comprehensive understanding of Wealth Management.
At Morgan Stanley, Cailey has established herself as a dedicated professional, continuously aiming to provide financial solutions tailored to individual client needs. With her firm foundation in economics and a forward-thinking approach, she offers strategic insights to help clients navigate the complexities of finance and make informed decisions.
Beyond her core profession, Cailey's interests span motorsport, notably Formula 1, engineering, and emerging tech. As the Executive Director of her University's Formula Student team and a member of the Institution of Mechanical Engineers (IMechE), she displays her multifaceted talents. Further emphasizing her commitment to innovation, Cailey contributed to the Carbotnic podcast, exploring clean tech and renewable developments.
Outside of her professional life, Cailey enjoys the finesse of equestrian polo. Clients at Morgan Stanley can anticipate not only her enthusiasm for her work, but also her attention to detail.
At Morgan Stanley, Cailey has established herself as a dedicated professional, continuously aiming to provide financial solutions tailored to individual client needs. With her firm foundation in economics and a forward-thinking approach, she offers strategic insights to help clients navigate the complexities of finance and make informed decisions.
Beyond her core profession, Cailey's interests span motorsport, notably Formula 1, engineering, and emerging tech. As the Executive Director of her University's Formula Student team and a member of the Institution of Mechanical Engineers (IMechE), she displays her multifaceted talents. Further emphasizing her commitment to innovation, Cailey contributed to the Carbotnic podcast, exploring clean tech and renewable developments.
Outside of her professional life, Cailey enjoys the finesse of equestrian polo. Clients at Morgan Stanley can anticipate not only her enthusiasm for her work, but also her attention to detail.
About Jordan Marquez
Jordan began his career in banking in 2020 and transitioned to wealth management services in 2022, joining Morgan Stanley in 2023.
Jordan was raised in Fayetteville, AR, relocating to the Dallas Fort Worth area in 2023. Currently, he is pursuing an economics degree and enjoys spending time with his girlfriend, Emma.
Jordan was raised in Fayetteville, AR, relocating to the Dallas Fort Worth area in 2023. Currently, he is pursuing an economics degree and enjoys spending time with his girlfriend, Emma.
Contact C. Ryan Hill
Contact Keith Evans
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
Matt Williams
Associate Private Banker
Joe Saadi
Trust Specialist
About Matt Williams
Matt Williams is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Texas.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Matt began his career in financial services in 2005 and joined Morgan Stanley in 2024 as an Associate Private Banker. Prior to joining the firm, he was a Financial Advisor at the Merrill Lynch. He also served as a Wealth Management Lending Officer at the Bank of America/Merrill Lynch.
Matt is a graduate of the Baylor University, where he received a Bachelor of Business Administration in Marketing. He lives in Dallas, Texas with his family. Outside of the office, Matt enjoys running and spending time with his family.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Matt began his career in financial services in 2005 and joined Morgan Stanley in 2024 as an Associate Private Banker. Prior to joining the firm, he was a Financial Advisor at the Merrill Lynch. He also served as a Wealth Management Lending Officer at the Bank of America/Merrill Lynch.
Matt is a graduate of the Baylor University, where he received a Bachelor of Business Administration in Marketing. He lives in Dallas, Texas with his family. Outside of the office, Matt enjoys running and spending time with his family.
NMLS#: 621903
About Joe Saadi
Joseph Saadi is the Regional Trust Specialist for Morgan Stanley’s Central Region. Within the Trust Services Group, Joe is responsible for delivering the “Open Architecture” trustee platform, which consists of several unaffiliated third-party trust companies who serve in a fiduciary, agency or custodial role for high-net-worth and ultra-high-net-worth families. Joe and the Trust Services Group help Morgan Stanley Financial Advisors, clients, prospects and the professional community understand the corporate trustee services available through Morgan Stanley and how their corporate trustee partners provide fiduciary services to clients. The process involves reviewing trust documents and statements as well as analyzing family dynamics. Joe then uses this information to help clients select one or more of the Firm’s corporate trustee partners to possibly serve as trustee, co-trustee or administrative agent for client trust accounts.
Prior to joining the firm, Joe’s 30 years of legal and comprehensive wealth planning experience include positions as Managing Director at TIAA Trust Company, Market Trust Director at JP Morgan Trust Company, Trust & Estate Specialist at Merrill Lynch Trust Company, and District Attorney General at the Ohio Attorney General’s Office.
Joe obtained his Bachelor of Science in Business Administration degree from John Carroll University and his Juris Doctor from Cleveland-Marshall College of Law. Joe is a member of the State Bar of Ohio and holds his Series 7 and 66 licenses.
Prior to joining the firm, Joe’s 30 years of legal and comprehensive wealth planning experience include positions as Managing Director at TIAA Trust Company, Market Trust Director at JP Morgan Trust Company, Trust & Estate Specialist at Merrill Lynch Trust Company, and District Attorney General at the Ohio Attorney General’s Office.
Joe obtained his Bachelor of Science in Business Administration degree from John Carroll University and his Juris Doctor from Cleveland-Marshall College of Law. Joe is a member of the State Bar of Ohio and holds his Series 7 and 66 licenses.
Wealth Management
Global Investment Office
Portfolio Insights
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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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
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 Liberty Group of Texas today.
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.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
6Morgan 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.
7Morgan 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 legal matters.
8Morgan 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 legal matters.
9Morgan 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
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER® and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
6Morgan 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.
7Morgan 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 legal matters.
8Morgan 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 legal matters.
9Morgan 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
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)