Phone:
(212) 271-0573(212) 271-0573
The Pacific Alpha Group at Morgan Stanley
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
About Us
As Morgan Stanley Financial Advisors, we combine our own talents and experiences with the vast resources of a global financial services firm to address the complexities of high net worth clients. We are a team of multi-cultural advisors that understands the unique needs and challenges of families, individuals and institutions. Whether it is planning for retirement or creating a custom investment portfolio, we can help you achieve your financial goals.
Our team is built on decades of experience working with leading clients in both domestic and international markets. At The Pacific Alpha Group, we speak: English, Spanish, Portuguese, Chinese and Korean which enables us to better connect with and serve clients. Our experience across asset classes allows us to provide investment solutions tailored to unique needs, with the goal of achieving competitive performance consistent with the client’s goals.
We look forward to learning more about you and your family, and discussing the resources we can place at your disposal.
Our team is built on decades of experience working with leading clients in both domestic and international markets. At The Pacific Alpha Group, we speak: English, Spanish, Portuguese, Chinese and Korean which enables us to better connect with and serve clients. Our experience across asset classes allows us to provide investment solutions tailored to unique needs, with the goal of achieving competitive performance consistent with the client’s goals.
We look forward to learning more about you and your family, and discussing the resources we can place at your disposal.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
International Wealth Management
International Wealth Management is a specialized area within Morgan Stanley Wealth Management that is dedicated to serving individuals, families, family offices, entrepreneurs, corporate executives and corporate stock plan managers who live outside the United States. We also serve US citizens living and working abroad as well as those who are relocating to the United States or otherwise changing domicile.
We are based in offices throughout the United States, but often specialize in a specific country or region, and typically speak the client’s language, understand the culture and have a deep knowledge of the markets we serve. Combining our investment knowledge with the resources and intellectual capital of Morgan Stanley, we deliver targeted solutions that help our clients pursue their goals and address their unique financial needs.
We are based in offices throughout the United States, but often specialize in a specific country or region, and typically speak the client’s language, understand the culture and have a deep knowledge of the markets we serve. Combining our investment knowledge with the resources and intellectual capital of Morgan Stanley, we deliver targeted solutions that help our clients pursue their goals and address their unique financial needs.
We may be able to provide you access to:
- An open architecture platform that includes leading asset management firms, giving you access to unaffiliated third party managers and their teams.
- Thematic investing ideas and asset allocation models from Morgan Stanley’s Global Investment Committee, guiding your overall portfolio allocation.
- Customized lending solutions from Morgan Stanley Private Bank, National Association, addressing your financing needs.
- Dedicated specialists in wealth transfer, philanthropy, family dynamics, concierge and lifestyle advisory services, and other family office capabilities, supporting the non-financial needs you may have.
Not all products and services are available to clients outside of the United States.
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 suitable 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”) 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.
CRC 3430115 05/22
Our Resources
We hope you are well and that your Spring is off to a great start. Please enjoy our quarterly newsletter, including team updates, resources, and the latest from Morgan Stanley.
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Listen to the Latest EpisodeAwards & Recognition
Forbes Best-In-State Wealth Management Teams
The Pacific Alpha Group: 2023, 2024, 2025
Source: Forbes.com (Awarded Jan 2023, 2024, and 2025) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22 and 3/31/22-3/31/23.
View the Full ListSource: Forbes.com (Awarded Jan 2023, 2024, and 2025) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22 and 3/31/22-3/31/23.
Forbes Best-In-State Wealth Advisors
Gabriel Lee: 2019, 2020, 2021, 2022, 2023, 2024
Source: Forbes.com (Awarded 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Source: Forbes.com (Awarded 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Financial Times 401 Top Retirement Advisors
Byung Lee: 2017, 2018
Source: ft.com (Awarded Sept 2018) Data compiled by the Financial Times based on time period from 12/31/15 - 12/31/17.
Source: ft.com (Awarded Sept 2018) Data compiled by the Financial Times based on time period from 12/31/15 - 12/31/17.
Attracting Talent, Empowering Employees
The Pacific Alpha Group offers Plan Sponsors access to a wide selection of services in support of their corporate retirement plan. In order to more effectively service our plan clients, we provide retirement education, tools, access to certain plan account information, and other plan level services.
Benchmark
• Evaluate plan fees and services
• Assess reasonableness of fees relative to
services received
• Support 408(b)(2) review of fees and services
• Assess reasonableness of fees relative to
services received
• Support 408(b)(2) review of fees and services
Plan Review
• Identify gaps in service offerings
• Understand plan goals
• Document prudent process
• Understand plan goals
• Document prudent process
Recommend
• Identify recordkeepers for your consideration
• Side-by-side analysis of recordkeepers to identify
solutions that can help meet your needs
• Side-by-side analysis of recordkeepers to identify
solutions that can help meet your needs
Transition
• Manage finalist presentations
• Assist in cost negotiations with service providers
• Assist with transition to new provider
• Provide ongoing support with your service provider
• Assist in cost negotiations with service providers
• Assist with transition to new provider
• Provide ongoing support with your service provider
1. Plan Evaluation
We start with a needs assessment, perform plan benchmarking analysis and run provider searches to help ensure your plan and your goals are in sync.
2. Investment Management
We review investment policy statements and establish frameworks for investment monitoring.
3. Plan Management
Your plan can potentially stay in compliance through our easy-to-use, streamlined admin process.
4. Plan Participation
It’s critical that your employees not only understand their plan options—but are truly inspired. We’ve created educational materials, seminars and strategic planning resources to help engage them.
Location
55 East 52nd Street 10th
24th Fl.
New York, NY 10022
US
Direct:
(212) 271-0573(212) 271-0573
Meet The Pacific Alpha Group
Byung Lee, C(k)P®, CRPC®, CAIA, CIMA®, QPFC
Senior Vice President, Financial Advisor, Corporate Retirement Director
Phone:
(212) 230-3711(212) 230-3711
Steve Lee
Senior Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(212) 230-3712(212) 230-3712
Senior Vice President, Financial Advisor, Portfolio Manager, Workplace Advisor - Equity Compensation
Phone:
(212) 893-6390(212) 893-6390
Tong Ji, CFP®
Financial Advisor
Phone:
(212) 893-6515(212) 893-6515
Adriana Cajigas
Portfolio Associate
About Gabriel Lee
Gabriel Lee has built his career working with many of the leading wealth-generating families in Latin America. He has a vast financial planning experience and investment solution to high net worth families and businesses over 20 years. His primary focus is to advise and build portfolios based on his client’s specific needs, also to archive the goal of competitive risk-adjusted performance. He provides cross-border wealth management solution as well.
Gabriel has a multi-culture background and understands perfectly the pro and cons of them because he lived in many counties like South Korea, Argentina and US. He speaks fluently Korean, Spanish and English.
Gabriel received his Masters in Economics from the National University of Tucuman, Argentina, and previously worked for Merrill Lynch,Pierce, Fenner & Smith Inc., Prudential Securities Inc. and Wells Fargo Advisors, LLC as Managing Director before joining to Morgan Stanley in 2016.
He was named as one of the 2019, 2020 & 2021 Forbes Best in State Wealth Advisors.
He holds his Series 7, 3, 63 and 65, and the Insurance license of Life, Accident, Health and Variable Product in New Jersey.
2019, 2020, 2021 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2021). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Gabriel has a multi-culture background and understands perfectly the pro and cons of them because he lived in many counties like South Korea, Argentina and US. He speaks fluently Korean, Spanish and English.
Gabriel received his Masters in Economics from the National University of Tucuman, Argentina, and previously worked for Merrill Lynch,Pierce, Fenner & Smith Inc., Prudential Securities Inc. and Wells Fargo Advisors, LLC as Managing Director before joining to Morgan Stanley in 2016.
He was named as one of the 2019, 2020 & 2021 Forbes Best in State Wealth Advisors.
He holds his Series 7, 3, 63 and 65, and the Insurance license of Life, Accident, Health and Variable Product in New Jersey.
2019, 2020, 2021 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2021). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: CO, DC, DE, FL, GA, HI, IL, MA, MD, MI, MO, NC, NJ, NV, NY, OH, OR, PA, PR, TN, TX, VA, WA, WI, CT, WY, AL, AZ, CA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1706393
NMLS#: 1706393
About Byung Lee
Byung Sun Lee has earned widespread recognition from clients and the industry for bringing best practices and thought leadership to a growing number of multi-national companies with offices in the U.S. With many years of fiduciary consulting experience and key professional credentials in both traditional and alternative investment management, Byung is committed to providing clients with unsurpassed knowledge and boutique-level service. In 2017 and 2018, Byung was named to Financial Times “Top 401 Retirement Plan Advisors.”. Byung has membership with the National Association of Plan Advisors, Chartered Alternative Investment Analysts Association, and Investments and Wealth Institute.
As a Corporate Retirement Director at Morgan Stanley, Byung directs his team in supporting strong and compliant retirement plans that align with each of his client’s goals. Specifically, the team provides investment consulting services, tools for fiduciary risk management, financial wellness program implementation, results-oriented plan design ideas, and de-risking strategies through liability-matching portfolio construction. The team also assists clients in setting up total compensation packages through non-qualified deferred compensation plans that help retain key management, recruit top talent, and provide incentives to key producers.
“With many clients being new to the U.S. and unfamiliar with our litigious environment, we help them mitigate investment risk and understand their fiduciary responsibilities – so that they can abide by ERISA and Department of Labor regulations, and also retain key employees,” Byung adds.
Byung grew up in Korea and lives in Manhattan with his wife and their young son.
Financial Times 401 Top Retirement Advisors
Source: ft.com (Awarded Sept 2018) Data compiled by the Financial Times based on time period from 12/31/15 - 12/31/17.
As a Corporate Retirement Director at Morgan Stanley, Byung directs his team in supporting strong and compliant retirement plans that align with each of his client’s goals. Specifically, the team provides investment consulting services, tools for fiduciary risk management, financial wellness program implementation, results-oriented plan design ideas, and de-risking strategies through liability-matching portfolio construction. The team also assists clients in setting up total compensation packages through non-qualified deferred compensation plans that help retain key management, recruit top talent, and provide incentives to key producers.
“With many clients being new to the U.S. and unfamiliar with our litigious environment, we help them mitigate investment risk and understand their fiduciary responsibilities – so that they can abide by ERISA and Department of Labor regulations, and also retain key employees,” Byung adds.
Byung grew up in Korea and lives in Manhattan with his wife and their young son.
Financial Times 401 Top Retirement Advisors
Source: ft.com (Awarded Sept 2018) Data compiled by the Financial Times based on time period from 12/31/15 - 12/31/17.
Securities Agent: WY, WI, WA, VA, TX, TN, PR, PA, OH, NY, NV, NC, MO, MI, MD, MA, IL, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AL, OR, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 579247
NMLS#: 579247
About Steve Lee
As a founding member of the Pacific Alpha Group, Steve brings over 30 years of knowledge in institutional investing, wealth management and government oversight. Steve has extensive institutional experience, including serving as an institutional salesperson for GM Shinhan Securities America Inc. as well as being head of Korea Investment Trust Co. (formerly known as Dongwon Securities of America Inc.) . He also worked as an analyst at the Securities and Exchange Commission and Chicago Board of Options Exchange. His extensive and varied experiences are at the foundation of the unbiased advice and guidance he provides to a loyal international clientele of individuals and institutions.
Steve currently act as a portfolio manager in a Morgan Stanley PM program. In addition, he offers sound financial advice and guidance to individuals, families and institutional clients. He is committed to providing premier service and access to extensive resources to assist clients in reaching their personal and financial goals. To assist his clients in reaching their financial goals, Steve help bring clarity to investment opportunities and ever-changing market conditions that can impact portfolio returns.
Pursuing his interest in finance, he graduated from Northeastern University in Boston with a Bachelor’s of Science in accounting and an MBA in finance from the Zicklin School of Business at Baruch College in New York City. In addition to family time, Steve enjoys golfing, reading, hiking, playing racquetball and poker.
Steve currently act as a portfolio manager in a Morgan Stanley PM program. In addition, he offers sound financial advice and guidance to individuals, families and institutional clients. He is committed to providing premier service and access to extensive resources to assist clients in reaching their personal and financial goals. To assist his clients in reaching their financial goals, Steve help bring clarity to investment opportunities and ever-changing market conditions that can impact portfolio returns.
Pursuing his interest in finance, he graduated from Northeastern University in Boston with a Bachelor’s of Science in accounting and an MBA in finance from the Zicklin School of Business at Baruch College in New York City. In addition to family time, Steve enjoys golfing, reading, hiking, playing racquetball and poker.
Securities Agent: TN, OH, WI, WA, VA, TX, PR, PA, OR, NY, NV, NJ, MO, MI, MD, MA, IL, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AL, NC, WY; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 579062
NMLS#: 579062
About Jeff Shi
As a seasoned Financial Advisor, Jeff Shi has extensive experience at guiding clients through financial planning, asset management and wealth transfer strategies. His areas of expertise include investment management, portfolio construction and alternative investments. In particular, he focusses on providing efficient and holistic wealth management solutions for a global clientele of business executives, entrepreneurs and high-net-worth families, such as sophisticated financial structuring, tax and estate strategies and family office services like philanthropy and wealth education.
Jeff is deeply committed to delivering personalized solutions based on the unique situation and individual needs of each client to support the pursuit of their goals and aspirations. Prior to joining Morgan Stanley, Jeff has had a long career in the financial service industry with firms such as Wells Fargo, JPMorgan and UBS. An immigrant and native Mandarin speaker, Jeff received both his Bachelor’s degree in Marketing and Master’s degree in Finance in the US. He truly understands the nuances of the global and evolving needs of his clients’ wealth management needs, which is key to deliver a bespoke and yet comprehensive client experience.
Jeff currently resides in the NY metro area with his wife and daughter. In his free time, he enjoys traveling, reading and music.
Jeff is deeply committed to delivering personalized solutions based on the unique situation and individual needs of each client to support the pursuit of their goals and aspirations. Prior to joining Morgan Stanley, Jeff has had a long career in the financial service industry with firms such as Wells Fargo, JPMorgan and UBS. An immigrant and native Mandarin speaker, Jeff received both his Bachelor’s degree in Marketing and Master’s degree in Finance in the US. He truly understands the nuances of the global and evolving needs of his clients’ wealth management needs, which is key to deliver a bespoke and yet comprehensive client experience.
Jeff currently resides in the NY metro area with his wife and daughter. In his free time, he enjoys traveling, reading and music.
Securities Agent: IL, NV, PR, OR, VA, NC, MO, NJ, NY, WI, TX, WA, TN, PA, OH, MI, MD, MA, HI, GA, FL, CO, DE, AL, CA, AZ, DC, CT, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 2170782
NMLS#: 2170782
About Tong Ji
Tong Ji is a Financial Advisor at Morgan Stanley, focusing on providing personalized financial solutions to high net worth clients and their families, especially those with a Chinese background.
He has nearly 30 years of experience in financial industry, with 20 years in the field of wealth management and private banking. Prior to joining Morgan Stanley, he worked for a Chinese bank as head of the private banking department of its Chinese branch and New York branch. The combination of his in-depth client understanding and familiarity with the financial markets of both China and the United States gives him a distinctive advantage in serving clients of Chinese background.
Tong Ji received his bachelor’s degree from East China Normal University and his MBA from TONGJI University in Shanghai China.
He holds his Series 7, 66, and the Insurance license of Life, Accident, Health in New Jersey. He also has the CFP® designation in both China and the United States.
He has nearly 30 years of experience in financial industry, with 20 years in the field of wealth management and private banking. Prior to joining Morgan Stanley, he worked for a Chinese bank as head of the private banking department of its Chinese branch and New York branch. The combination of his in-depth client understanding and familiarity with the financial markets of both China and the United States gives him a distinctive advantage in serving clients of Chinese background.
Tong Ji received his bachelor’s degree from East China Normal University and his MBA from TONGJI University in Shanghai China.
He holds his Series 7, 66, and the Insurance license of Life, Accident, Health in New Jersey. He also has the CFP® designation in both China and the United States.
Securities Agent: WY, WI, WA, VA, TX, TN, PR, PA, OH, NY, NV, NJ, NC, MO, MI, MD, MA, IL, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 2406558
CA Insurance License #: Securities Agent: AZ, CO, CT, DC, DE, FL, GA, HI, IL, MA, MD, MI, MO, NC, NJ, NV, NY, OH, PA, PR, TN, TX, VA, WA, WI, CA, AL; General Securities Representative; Investment Advisor Representative;
NMLS#: 2406558
CA Insurance License #: Securities Agent: AZ, CO, CT, DC, DE, FL, GA, HI, IL, MA, MD, MI, MO, NC, NJ, NV, NY, OH, PA, PR, TN, TX, VA, WA, WI, CA, AL; General Securities Representative; Investment Advisor Representative;
About Adriana Cajigas
Adriana Cajigas is a Portfolio Associate at Morgan Stanley Private Wealth Management, based in New York City. She has 20+ years of experience in the financial services industry, she has been progressively responsible for supporting teams on firms’ most Senior Bankers and Financial Advisors in a range of banking, deposit, general securities and private equity products, ensuring the security and privacy of the firm’s key clients.
Adriana started her career in Banco Santander (Central Hispano USA) in 1996. She later transitioned to IDB Bank as an Assistant Vice President where, she spent 10+ years working with high net worth clients from Argentina. She became a client service associate and work both at Bear Stearns and Credit Suisse where she increased her knowledge in the brokerage industry.
Adriana was born and raised in Mexico, she holds both a Bachelor’s and an Associate Degrees from Berkeley College and currently resides in the Bronx with her husband and their three sons. In her free time she loves to do Zumba and Kickboxing, taking care of her granddaughter and take long walks with her 3 dogs.
Adriana started her career in Banco Santander (Central Hispano USA) in 1996. She later transitioned to IDB Bank as an Assistant Vice President where, she spent 10+ years working with high net worth clients from Argentina. She became a client service associate and work both at Bear Stearns and Credit Suisse where she increased her knowledge in the brokerage industry.
Adriana was born and raised in Mexico, she holds both a Bachelor’s and an Associate Degrees from Berkeley College and currently resides in the Bronx with her husband and their three sons. In her free time she loves to do Zumba and Kickboxing, taking care of her granddaughter and take long walks with her 3 dogs.
Contact Gabriel Lee
Contact Byung Lee
Contact Steve Lee
Contact Jeff Shi
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
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
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- Trust Services
Are You Prepared for Tax Day?
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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Financial Planning for Life After Selling a Business
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
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Donor Advised Funds: A Smart Way to Manage Your Giving
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Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Pacific Alpha Group today.
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.
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.
3Alternative 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.
4Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
5Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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
9Morgan 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.
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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
3Alternative 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.
4Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
5Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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
9Morgan 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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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:
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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)
