Welcome

Each client gets their unique comprehensive, personalized wealth plan built around the things most important to them. That's easy to say, but what does it actually mean? At The Lighthouse Group at Morgan Stanley, the group has learned over the years that a crucial first step in successful Wealth Management is helping their clients identify, clarify and articulate the things they find most meaningful. Generally, they fall into four categories – People, Activities, Convictions and Things.

  • People: who you care about
  • Activities: what you like to do
  • Convictions: your core values
  • Things: the possessions you treasure The Lighthouse Group uses this information to develop what they call a PACT Profile – a clear set of your specific goals. Once your PACT goals have been established, every decision involving money becomes both far simpler and more strategic – every choice is automatically aligned with your most cherished goals. Furthermore, combining the highly credentialed group and the global capacity and strength of Morgan Stanley, The Lighthouse Group provides a comprehensive yet highly personal array of Wealth Management services as appropriate to your customized PACT Profile. The Lighthouse Group believes this approach gives you the best opportunity to realize your goals and objectives.

Forbes Best-In-State Wealth Management Teams 2025
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24

Our Clients Include:
  • Professionals in the Healthcare, Legal, Finance and Tech Industries
  • Senior and C-Suite Executives of Public Companies
  • Business Owners and Self-Made Entrepreneurs
  • Retirees and Individuals Planning for Retirement
  • Families Spanning Multiple Generations
  • Women Seeking Guidance for Themselves and their Family
  • Young Professionals in the Early Stages of their Careers
  • Companies seeking Assistance to Offer or Enhance their Retirement Plan and Financial Wellness Programs to their Workforce
  • Referrals from Existing Clients and Industry Professionals
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Comprehensive Wealth Management

Wise coaches in every sport know that there are two ways to build a winning team – you can aim to score more than the other team, or you can create a defense designed to prevent them from scoring more than you do. There is a clear parallel to Wealth Management.

Your personal wealth is determined by a combination of creating gains through income and investments and protecting against declines through wealth preservation and protection. You can think of this as two sides of your personal balance sheet.

That’s why, at The Lighthouse Group, they work with clients on every financial decision. Once they’ve established goals and strategies, the group can recommend the appropriate choice every time money is a factor. It can include everything from building an investment portfolio to buying a car, from choosing among insurance options to planning for retirement.

The Lighthouse Group’s clients count on them for advice on every short, medium and long-term financial decision. The group believes it’s the best way to put you in a position to accomplish your objectives.
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    Total Wealth View
    It’s hard to see the complete picture with only half the details. As a Morgan Stanley client, you can conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
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    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.
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    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.
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OUR SUITE OF SERVICES

As your wealth grows, so does its complexities and the resources needed to manage it effectively. We leverage our experience and relationships to deliver innovative strategies that are tailored to your needs. We look forward to speaking with you to understand your challenges, so we may map out a strategy to achieve your particular priorities and goals.
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    Wealth Management
    Wealth Management brings all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career and your legacy goals to develop a comprehensive strategy that is uniquely yours.
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    Retirement Planning
    One of our key areas of focus is helping you prepare for and thrive in retirement. From IRAs to RMDs, we manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with security and confidence.
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    Professional Portfolio Management
    Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, we create a customized strategy that applies long-held investment principles to help your assets appreciate appropriately or generate cash-flow or income as you require.
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    Alternative Investments
    Morgan Stanley’s global network affords us the ability to offer suitable clients a wide array of alternative investments to consider – from private equities and exchange funds to hedge funds and real estate investments. Our recommendations are based on your own goals and your tolerance for investment risk.
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    Cash Management Services
    Creating adequate cash flow and securing liquidity are day-to-day aspects of implementing a financial strategy. We help you meet your personal cash management and borrowing needs, while thinking strategically about how specific approaches may affect current and long-term costs and taxes.
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    Estate Planning & Philanthropic Strategies
    Delivering an estate to the next generation or favorite charity requires more attention than families often realize. We coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset titling and beneficiary designation requirements, incorporating best practices to help enhance results.

THE PLANNING PROCESS

To reach your goals, you need a wealth plan informed by a comprehensive assessment of your current budget and finances, clear objectives and sound advice that puts you in the center of the process. The Lighthouse Group at Morgan Stanley uses a four-step Goals Planning System (GPS) to create your personal roadmap towards financial achievement and protection.

1. Discover: Understand your values, objectives and quantify your goals.
2. Advise: Create a tailored wealth plan to help keep you on track.
3. Implement: Add value with tax-aware and cost-sensitive capabilities.
4. Monitor: Continually track progress so that you know where you stand relative to your goals and adjust to changing needs and circumstances.

The Lighthouse Group's years of experience combined with Morgan Stanley’s state of the art technology, intellectual capital and extensive resources enables the team to create customized, holistic plans that consist of:

- Professional Portfolio Management
- Advanced Risk Analytics
- Tax Mitigation Strategies
- Estate Planning
- Philanthropic and Legacy Planning
- Liquidity and Borrowing Needs
- Hedging and Monetization Strategies for Concentrated Equity Positions

The Lighthouse Group believes in regular communication, scheduled progress updates and continuous monitoring of plans to ensure that clients remain on track toward meeting their goals.
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    LifeView - Intelligent Planning
    LifeView is a suite of planning tools that includes goal-specific analysis that we can use to create a realistic, holistic strategy that integrates the various aspects of an individual's financial life, including investments and cash management needs.
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    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 award winning tools- Goals Planning System (GPS) and LifeView.
    Morgan Stanley Goals-Based Wealth Management
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Utilizing the powerful Morgan Stanley at Work platform, The Lighthouse Group at Morgan Stanley is able to help build financial confidence through insightful advice, thoughtful education and cutting-edge technology across a suite of modern workplace solutions.
At Work Solutions
Innovative workplace offerings for companies and employees which include Shareworks by Morgan Stanley, our global equity plan management solution, Financial Wellness and Retirement solutions.
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Corporate Retirement Solutions
Comprehensive solutions to effectively maximize and customize retirement benefits, so managers can help employees make the most out of retirement.
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Financial Wellness Solutions
The Lighthouse Group at Morgan Stanley understands that when employees thrive, companies thrive. We are proud to offer a customizable solution for organizations to empower their employees by making their finances a source of wellness – and not a source of stress.
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Secure Act 2.0
SECURE 2.0 is a significant piece of retirement legislation that is intended to make it easier for businesses to offer retirement plans and for individuals to save for retirement.
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Location

61 South Paramus Road
3rd Floor
Paramus, NJ 07652
US
Direct:
(201) 670-3457(201) 670-3457
Toll-Free:
(866) 423-1780(866) 423-1780

Meet The Lighthouse Group

About Scott Schlett

Scott Schlett

Scott Schlett is an Executive Director, Senior Portfolio Management Director and Financial Advisor with the Lighthouse Group at Morgan Stanley based in Paramus, NJ. He has over 30 years of experience in the Financial Services sector, specifically in Wealth Management. Scott has been with Morgan Stanley since 2005. He also holds the CERTIFIED FINANCIAL PLANNER™, Chartered Retirement Plans Specialist, Workplace Advisor – Equity Compensation, Lending Specialist, Certified Exit Planning Advisor, and Alternative Investment Director designations.

Scott specifically focuses on leading the Lighthouse Group’s investment strategy and portfolio construction. He performs risk analysis and investment due diligence on all of the teams portfolios.

Scott utilizes his experience and proficiency in financial planning to design appropriate asset allocations and long-term income solutions for all Lighthouse Group clients. He employs knowledge gained from being a student of the market with his passion in economics into all portfolios. As Mark Twain once said, “History doesn’t repeat itself, but it often rhymes.”

Scott graduated from Dickinson College where he earned his Bachelor’s degree in Economics with a concentration in Finance. During his time at Dickinson, Scott was a captain on the football team which went undefeated in his senior year. He was an Honorable Mention All American.

Scott lives with his wife and five children in NJ. Scott enjoys spending quality time with his family which he makes a top priority. He has coached his kids’ sports teams in his local community for over 30 years. Scott and his family are dedicated to Morgan Stanley’s Children’s Hospital, where they have been a donor and serve holiday meals for families.
Securities Agent: NH, MD, IN, IL, WI, OR, AZ, WA, VA, TX, RI, FL, AK, WY, VT, LA, GA, CT, TN, OH, MA, KY, ID, DE, DC, NC, KS, ND, SC, MI, NY, NV, NJ, IA, CA, PA, MO, CO, OK; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1395575

About Christopher Amato

Christopher (Chris) Amato

Chris Amato is an Executive Director and Financial Advisor on the Lighthouse Group at Morgan Stanley based in Paramus, NJ. He has over 20 years of experience in Financial Services and has been with Morgan Stanley/Smith Barney for over 16 years. He also holds the Alternative Investments Director, Family Wealth Director, Portfolio Management Director, Workplace Advisor - Equity Compensation, Financial Planning Specialist and Lending Specialist designations.

Chris specifically focuses on helping multi generation families and businesses meet their financial planning goals, affording them the ability to live and retire comfortably. He takes pride in guiding families through their life cycle, from planning for their children’s education, retirement, to succession to the next generation. He drives the Lighthouse Group’s efforts to develop PACT Profiles (See PACT Profile tab), which drives the Wealth Management strategy for each client.

Utilizing skills and knowledge derived from decades in the industry, Chris helps guide his clients through turbulent markets as well as providing solutions for their needs. He employs a comprehensive Wealth Management process to develop actionable plans tailored to individual situations. He is dedicated to thoroughly understanding each client’s financial position, long and short-term goals 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. Chris often collaborates with his clients’ attorneys and accountants while producing financial plans. He and his team check in regularly with their clients to monitor their success and help them stay the course to attain their unique objectives.

Chris graduated from Elon University where he double majored in Finance and Management. During his time at Elon, Chris was a member of the Kappa Alpha Order Fraternity.

Chris lives in New Jersey with his wife and two young boys. He spends a lot of his free time together with his family. He has a passion for the environment and makes sure him and his wife provide a solid core of moral and ethical values in their kids so future generations can continue the family legacy. Chris enjoys skiing, surfing and most outdoor activities.
Securities Agent: WY, VT, VA, TN, WI, RI, PA, OR, OH, NY, WA, NV, NJ, NH, NE, TX, ND, NC, MO, MI, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, FL, DE, DC, CT, CO, GA, CA, AZ, SC, AK; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1391561

About Michael G Kowal

Mike Kowal is a Vice President, Financial Advisor and Portfolio Manager on The Lighthouse Group at Morgan Stanley. Mike also holds his QPFC (Qualified Plan Financial Consultant) designation. Mike has over 30 years of experience in the Wealth Management industry and has been with Morgan Stanley since 2013. Mike graduated from Bucknell University with a Bachelor’s degree in Business Management with a concentration in Finance.

Mike works with successful professionals and their families. Many of his clients are senior executives of both public and private companies. As a Financial Advisor, Mike provides comprehensive wealth solutions tailored to each client’s unique needs. Mike strives to develop long term relationships through a commitment to quality service that prioritizes transparency and accessibility. A strong service ethic is the foundation of his practice, demonstrated through an ongoing commitment to his clients’ financial well-being.

Mike’s early experience in Wealth Management includes a variety of roles in Operations, Compliance, Risk Management and Administration. He has worked at several global firms including Lehman Brothers, Solomon Smith Barney and Credit Suisse. It is through this broad experience that Mike has developed a thorough and distinctive perspective of the industry. It also led him to embark on a career as a Financial Advisor as he enjoys the problem solving aspect of the planning and investment process, as well as the collaborative nature of working with clients’ on their particular challenges.

Mike’s advisory process is centered on Goals-Based Financial Planning supported by Morgan Stanley’s modern wealth planning tools and advanced technology. The process starts with a thorough understanding of each client’s unique situation – their goals, income needs, risk tolerance, time horizons as well as their philanthropic and legacy planning priorities. Mike draws upon his experience, exceptional insight and the scale and resources at Morgan Stanley. Mike believes that Financial Planning is the foundation for some of the strongest relationships and the context for smart investment decisions.

Mike has been a resident of Bergen County, New Jersey for over 40 years. He currently resides in Wyckoff with his wife of 25 years and their two children. Mike has served his community by coaching a variety of youth sports programs in his home town. Mike has a passion for sports, history and fishing. In his free time, Mike enjoys visiting new places, cooking with and for friends and family and experimenting with new recipes.


“Excellence is never an accident. It is always the result of high intention, sincere effort and excellent execution; it represents the wise choice of many alternatives – choice, not chance, determines your destiny.”
- Aristotle
Securities Agent: ID, FL, DC, RI, NV, GA, UT, NH, MA, DE, WI, VT, LA, CT, CA, MD, KY, AZ, AL, ND, IN, CO, AK, TX, SC, MO, IA, WY, PA, OH, NY, NE, KS, IL, VA, TN, NJ, NC; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1496496

About Robert Moreira

Robert Moreira is a Financial Advisor who started his career at Morgan Stanley a decade ago in 2013. Robert seeks to forge strong relationships with his clients by acknowledging their long-term financial goals. He has a widespread view of the markets and uses all resources of Morgan Stanley to ensure the best experience for all his clients. Robert's title of Financial Planning Specialist, allows him to help develop effective plans which considers the entirety of a client's financial health and standing. Robert takes pride in providing first-rate service and building a long term relationship with his clients.

Robert grew up working in a family restaurant, which provided valuable interpersonal skills and an appreciation for hard work. After attending Don Bosco Prep High School, Robert continued his higher education at Providence College where he earned a degree in Business Economics. He worked for the Providence College Friars Hockey Team while at PC and continues a strong alumni network connection, by coaching hockey at Don Bosco.

Robert lives in New Jersey with his wife Jaclyn and their dog Lola. Outside of work, Robert enjoys spending time with his family and following his college sports teams. He has a passion for Hockey and is an avid New Jersey Devils fan. He enjoys traveling and summers at the jersey shore.
Securities Agent: AL, NY, DE, NV, TX, OK, NC, NE, MI, LA, FL, CA, ND, WY, PA, KY, IL, CT, AZ, TN, NJ, MO, MD, AK, SC, RI, OR, OH, VT, NH, GA, VA, WI, WA, KS, IN, ID, AR, SD, ME, MA, DC, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1388014

About J. Daniel Diaz

Dan is a Financial Advisor for The Lighthouse Group. As a CERTIFIED FINANCIAL PLANNER®, Dan focuses on sophisticated financial planning with an emphasis towards tax planning and estate planning. Dan's goal is to empower each one of his clients to make informed decisions for them and their heirs about their financial futures.

Dan graduated from the University of Rochester with a major in Financial Economics where he was captain of the football team and played receiver. Originally from Bergen County, New Jersey, he currently resides in Wyckoff. Outside of the office, Dan enjoys golf, football, and spending time with family and friends.
NMLS#: 2677929

About Alexis Kazarian

Alexis joined Morgan Stanley in March of 2014 and has over 20 years of experience in the industry. She has worked for Raymond James Financial Services and a large team at Merrill Lynch Private Banking & Investments in New York.

In her role as a Registered Client Service Associate, Alexis works closely with the team’s Financial Advisors. She is passionate about providing clients with exceptional administrative, operational and trading support.

Alexis earned her B.A. from Muhlenberg College where she double majored in Art History and French Literature and earned an M.A. in Art History from the State University of New York, Binghamton. She holds the Series 7 and Series 63 licenses.
Alexis is involved with philanthropy, enjoys yoga, art history, photography and travel.

About Valerie Sanchez

With over 30 years of financial services experience, Valerie Sanchez joins The Lighthouse Group as a Wealth Management Associate. Her strong background in client relationship management and commitment to excellent client service make her a great addition to the team. Valerie assists our team and its clients with many projects and complex situations as well as day-to-day client operational needs.

Before joining Morgan Stanley, Valerie spent almost ten years with Divine Asset Management where she was a founding partner and handled client facing wealth management, operations, as well as financial coaching and education geared toward women. Before that she spent a majority of her career as a sales trader at what was once Schwab Capital Markets, a division of Charles Schwab. Through various acquisitions, the company eventually became UBS Securities where she was a Director in Broker Dealer Sales.




Valerie holds her SIE, 7, 57, 63, 66, Life, Health & Accident licenses.
Wealth Management
From Our Team

Lighthouse Group Team Overview Brochure


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
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4 Financially Smart Ways to Take Money Out of Retirement Accounts

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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
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Family

Creating customized financial strategies for the challenges that today’s families face.
  • Estate Planning Strategies
  • 529 Plans / Education Savings Planning
  • Long Term Care Insurance
  • Special Needs Planning
  • Trust Services
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Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
  • Qualified Retirement Plans
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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
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There’s more to charitable giving than you may realize. Here’s one method that may be a tax-efficient way to give and can help maximize your impact.

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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.
The Business Case for a Financially Resilient Workforce
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The Business Case for a Financially Resilient Workforce

In the face of turbulent markets, the word “resilience” may be top of mind. Broadly speaking, resilience is the ability to “bounce back” when encountering life’s inevitable challenges.
Ready to start a conversation? Contact The Lighthouse Group today.
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Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.

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2Morgan 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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3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

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4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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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5When 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.

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6Morgan 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.

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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.

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8Alternative 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.

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9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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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
CRC 6491812 (04/2024)