Phone:
(708) 226-5433(708) 226-5433
The Long Cavanaugh Group at Morgan Stanley
Direct:
(708) 226-5447(708) 226-5447
Toll-Free:
(800) 323-1340(800) 323-1340
Industry Award WinnerOur Mission Statement
We are dedicated to
building and preserving your wealth.
We do this by delivering tailored advice and solutions
that help achieve the financial goals
you’ve set for you and your family
now and for the years to come.
building and preserving your wealth.
We do this by delivering tailored advice and solutions
that help achieve the financial goals
you’ve set for you and your family
now and for the years to come.
Helping You Manage Your Wealth and Achieve Your Life Goals
We work with an exceptional group of clients. Many are busy professionals pursuing greater balance in their lives. Others are in or approaching retirement and want to enjoy life without financial worry. Still others are thoughtful investors seeking sustainable ways to align their portfolios with their values.
Whether your goals are similar or you have a unique financial situation, you can depend on us to help you make more informed and confident decisions about your wealth – not only today, but during the many years to come.
At The Long Cavanaugh Group, we focus on what is most important to you, your family, and your future – from putting your children through college and preparing for retirement to protecting your famliy and leaving a lasting legacy. We are a highly skilled advisory team who has taken the time to cultivate the knowledge, insights, and strategies needed to serve as your single point of contact for all your financial concerns.
We begin by building a custom financial plan that is reflective of who you are and where you want to go. Over time, we review and refine your plan to incorporate new priorities in your life – all while helping you avoid costly missteps along the way.
We are proud of the tailored advice and solutions we provide each client and welcome the opportunity to deliver this same level of excellence to you and your family.
We look forward to speaking with you soon.
Whether your goals are similar or you have a unique financial situation, you can depend on us to help you make more informed and confident decisions about your wealth – not only today, but during the many years to come.
At The Long Cavanaugh Group, we focus on what is most important to you, your family, and your future – from putting your children through college and preparing for retirement to protecting your famliy and leaving a lasting legacy. We are a highly skilled advisory team who has taken the time to cultivate the knowledge, insights, and strategies needed to serve as your single point of contact for all your financial concerns.
We begin by building a custom financial plan that is reflective of who you are and where you want to go. Over time, we review and refine your plan to incorporate new priorities in your life – all while helping you avoid costly missteps along the way.
We are proud of the tailored advice and solutions we provide each client and welcome the opportunity to deliver this same level of excellence to you and your family.
We look forward to speaking with you soon.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Achieving Your Goals
Our process begins and ends with listening. We ask questions about what is important to you, your family and your vision for the future. . . and then we listen. Through each step, we provide objective advice and investment insights to construct a wealth management plan that is uniquely yours.
1. Discovery
We begin with an in-depth conversation to understand what is most important to you, your family, and your future. We learn about your goals and priorities, specifically timeframes, savings already in place, and your comfort level with investing. We also ask questions about the values that shape your decisions and identify any circumstances unique to your situation.
2. Analysis & Strategy
In this step, we utilize proprietary financial planning tools to develop a personalized and detailed strategy with recommendations to help you grow, preserve, and transfer your wealth. This serves as the foundation for building your initial plan, as well as future investment decisions.
3. Recommendations & Implementation
Here, we present your comprehensive plan that includes appropriate strategies and investment options that are designed to work together to achieve your goals. Upon your approval, we begin to implement. In this step, we will also introduce you to all the new tools and resources now available to you as our clients (see “Our Modern Wealth Tools” section for some details).
4. Ongoing Service & Care
Committed to a client-first experience, we focus on developing relationships that provide special value to you and your family. We speak with you regularly to provide updates on your accounts. We also monitor progress towards each of your goals, adjusting your financial plan accordingly as changes in your life occur.
How we Help
Managing wealth is like running a company, you need a strategy in place to manage your assets and a plan to handle the risks your business faces. You don’t need to go about planning alone, we work with business owners and founders whose goal is to accelerate growth within their business and develop long lasting succession plans. We provide assistance throughout the entire process by utilizing the comprehensive research and investment management resources in the industry here at Morgan Stanley.
Planning for the Unplanned
Unexpected events such as death, disability, don’t have to be the end of a successful business. Succession planning can provide for an orderly transition of ownership, provide structure for management of your business during critical times and can instill confidence that during unforeseen events there is a plan in place to provide support to the business.
Transaction of a Lifetime
Creating and growing a successful business is seldom just about money, neither is the decision to exit the business. Whether that exit is through an IPO, Merger, Private Sale, or Succession the process is intense and so are the details. Morgan Stanley has been helping business owner like you through these crucial times bringing you confidence when it matters most
Understanding Your Equity Awards
We can guide you through how performance shares work:
• The difference between incentive and non-qualified stock options, as well as restricted stock awards and units
• The difference between incentive and non-qualified stock options, as well as restricted stock awards and units
Concentrated Stock and Options Analysis
Designed for executives who have significant wealth in stock and options of their company. The Concentrated Stock and Options Analysis illustrates various valuations of holdings as well as hypothetical diversification scenarios.
10b5-1 Plans
As a corporate executive, you may be aware of material non-public information at any time and as a result may face company imposed Quartey or specific blackout periods for trading your holdings. A 10b5-1 plan is designed to address these issues. By utilizing this plan you can gain a defense against claims of insider trading and can obtain a tailored schedule for trading your holdings to meet your liquidity needs.
Clients executing a 10b5-1 Plan should keep the following important considerations in mind: (1) 10b5-1 Plans should be approved by the compliance officer or general counsel of the company; (2) A 10b5-1 Plan may require a cessation of trading activities at times when lockups may be necessary to the company (i.e. secondary offerings, pooling transactions, etc.); (3) A 10b5-1 Plan does not generally alter the regulatory requirements (e.g. Rule 144, Section 16, Section 13D) that may otherwise be applicable; (4) 10b5-1 Plans that are modified or terminated early may weaken or lose the benefit of the affirmative defense; (5) Public disclosure of 10b5-1 Plans (e.g., via press release) may be appropriate for some insiders; (6) Most companies will permit 10b5-1 Plans to be implemented only during open window periods; and (7) Morgan Stanley Smith Barney, as well as some issuers, imposes a mandatory waiting period between the execution of the 10b5-1 Plan and the first sale pursuant to the 10b5-1 Plan.
Preset Diversification Program is a registered Trademark of Morgan Stanley Smith Barney LLC, protected in the United States and other countries.
Clients executing a 10b5-1 Plan should keep the following important considerations in mind: (1) 10b5-1 Plans should be approved by the compliance officer or general counsel of the company; (2) A 10b5-1 Plan may require a cessation of trading activities at times when lockups may be necessary to the company (i.e. secondary offerings, pooling transactions, etc.); (3) A 10b5-1 Plan does not generally alter the regulatory requirements (e.g. Rule 144, Section 16, Section 13D) that may otherwise be applicable; (4) 10b5-1 Plans that are modified or terminated early may weaken or lose the benefit of the affirmative defense; (5) Public disclosure of 10b5-1 Plans (e.g., via press release) may be appropriate for some insiders; (6) Most companies will permit 10b5-1 Plans to be implemented only during open window periods; and (7) Morgan Stanley Smith Barney, as well as some issuers, imposes a mandatory waiting period between the execution of the 10b5-1 Plan and the first sale pursuant to the 10b5-1 Plan.
Preset Diversification Program is a registered Trademark of Morgan Stanley Smith Barney LLC, protected in the United States and other countries.
Information & Insights
At The Long Cavanaugh Group, we believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links and hope you’ll return often to learn more about the topics that can impact your overall wealth.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links and hope you’ll return often to learn more about the topics that can impact your overall wealth.
Monthly Newsletter
Missed our most recent monthly newsletter? Click the link below to see this month's newsletter crafted for our clients.
Click here to access our latest newsletter!
Global Investment Committee “On the Markets” Report
Every month, Morgan Stanley’s top research analysts publish their “On the Markets” report, providing detailed market commentary on such topics as global equities, fixed income and monetary policy.
Click Here for the Report
Building Your Wealth and Keeping More of What You Earn
Maximizing investment performance is only half a strategy . . . it’s also important to look at how to minimize your taxes, so you can retain more of your returns.
Click Here
Legacy Planning: Why You May Need a Trust
You may not be able to take it with you, but there are actions you can take now to serve the people and causes you care about after you’re gone.
Click HereManaging Your Wealth
We offer a broad array of modern wealth tools to manage your wealth more effectively in today’s busy world. We would be glad to assist you in signing up or learning more about these services.
Morgan Stanley Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
To learn more, click here
Morgan Stanley Mobile App
The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online – all from the convenience of your own phone. It also offers features to simplify your everyday finances. These include mobile check deposit and Send Money with Zelle, a convenient way to send and receive money.
To learn more, click here
E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures for necessary paperwork. There is no registration process to begin using E-Sign – all you need is a valid email address and a mobile phone number.
To learn how to sign up, click here
E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer or send a check.
To sign up, log into MSO
E-Delivery
E-Delivery allows you to securely save, print, send and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
To learn more, click here
Digital Vault
The Digital Vault allows you to build a centralized library for all your documents using encryption.
To learn more, watch this videoLocation
15341 S. 94th Ave
Ste 200
Orland Park, IL 60462
US
Direct:
(708) 226-5447(708) 226-5447
Toll-Free:
(800) 323-1340(800) 323-1340
Fax:
(708) 226-5444(708) 226-5444
Meet The Long Cavanaugh Group
Kyle Cavanaugh
Financial Advisor
Phone:
(708) 226-5447(708) 226-5447
Yvette Kendall
Registered Client Service Associate
Phone:
(708) 226-5499(708) 226-5499
About Laurie Long
Laurie is an experienced Financial Advisor and a founding partner of The Long Cavanaugh Group at Morgan Stanley, a highly skilled wealth advisory team located in Orland Park. She is guided by a belief that clients deserve honesty, integrity, and hard work from their advisory team and comes to work every day focused on delivering on these principles.
Growing up in Chicago Heights, Laurie learned firsthand the power of financial advice and long-term planning from her father, a successful advisor at Morgan Stanley for more than 25 years. With her father as her inspiration, Laurie attended the University of Wisconsin where she earned her degree in Business Administration with an emphasis on Finance. All through high school and college, Laurie worked summers and Holiday breaks at Morgan Stanley. After graduation, she joined the firm full-time in 1994 and became a Financial Advisor. A year later, Laurie teamed up with her father, working side-by-side with him until he retired in 2009.
Eleven years later, Laurie met her current partner, Financial Advisor Kyle Cavanaugh, whose passion for the business matched her own. They decided to join forces to leverage each other’s skills, experience and insights. Today, Laurie and Kyle work together as a team to help clients ensure their lifetime of hard work is well cared for and that there will always be someone available to help them when they need it most.
Outside of the office, Laurie’s life centers on a love for her family and being a great mom. She and her husband, Christopher, have been married since 1997 and have two sons, Dylan and Parker. Laurie’s favorite leisure activities include traveling, and taking long hikes with her two dogs, Charlie and Milo.
Growing up in Chicago Heights, Laurie learned firsthand the power of financial advice and long-term planning from her father, a successful advisor at Morgan Stanley for more than 25 years. With her father as her inspiration, Laurie attended the University of Wisconsin where she earned her degree in Business Administration with an emphasis on Finance. All through high school and college, Laurie worked summers and Holiday breaks at Morgan Stanley. After graduation, she joined the firm full-time in 1994 and became a Financial Advisor. A year later, Laurie teamed up with her father, working side-by-side with him until he retired in 2009.
Eleven years later, Laurie met her current partner, Financial Advisor Kyle Cavanaugh, whose passion for the business matched her own. They decided to join forces to leverage each other’s skills, experience and insights. Today, Laurie and Kyle work together as a team to help clients ensure their lifetime of hard work is well cared for and that there will always be someone available to help them when they need it most.
Outside of the office, Laurie’s life centers on a love for her family and being a great mom. She and her husband, Christopher, have been married since 1997 and have two sons, Dylan and Parker. Laurie’s favorite leisure activities include traveling, and taking long hikes with her two dogs, Charlie and Milo.
Securities Agent: IL, MN, MD, WI, TN, PA, GA, FL, TX, LA, OR, NY, NM, MI, CO, NV, AZ, NC, OH, AK, IA, MO, KY, AR, AL, WA, KS, IN, SC, CA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1290542
NMLS#: 1290542
About Kyle Cavanaugh
Kyle H. Cavanaugh
Financial Advisor
Financial Planning Specialist
Kyle is a Financial Advisor, Retirement Planning Specialist and co-founder of The Long Cavanaugh Group at Morgan Stanley. He enjoys working with successful individuals and families, providing personalized advice through a disciplined wealth management approach. Kyle combines his analytical skills with an educational approach to guide clients towards the achievement of their specific goals. He is committed to delivering exceptional service as he counsels his clients in the areas of financial planning, investment management, and retirement planning.
Growing up in Homer Glen, Kyle was raised by two hard-working parents. His mother was a CPA and his father was an airline pilot. Their dedication to their respective fields inspired Kyle to pursue a professional that would blend the best of both vocations and highlight his strengths: the desire to help people make money with money and the importance of setting a course to achieve an intended result.
After graduating from Eastern Illinois University with B.S. degree in Business, Kyle began his career at Edward Jones in 2014 as a Financial Advisor. Five years later, he met his current partner, Laurie Long, whose passion for the business matched his own. He moved his practice to Morgan Stanley and he and Laurie officially formed a partnership to leverage each other’s strengths and to provide an even great experience for the clients they proudly serve.
Today, Kyle lives in Shorewood with his wife, Mackenzie. He is the current President and Board member of the Oak Forest Crestwood Chamber of Commerce and is also the Deacon at Calvary of Orland Park Church. Outside of the office, Kyle loves to be outside. He enjoys fishing, snowmobiling, skiing, and hiking with his dog, Remi. Following in his father’s footsteps, Kyle also likes to fly. He has a private pilot’s license and is pursuing his instrument rating.
Financial Advisor
Financial Planning Specialist
Kyle is a Financial Advisor, Retirement Planning Specialist and co-founder of The Long Cavanaugh Group at Morgan Stanley. He enjoys working with successful individuals and families, providing personalized advice through a disciplined wealth management approach. Kyle combines his analytical skills with an educational approach to guide clients towards the achievement of their specific goals. He is committed to delivering exceptional service as he counsels his clients in the areas of financial planning, investment management, and retirement planning.
Growing up in Homer Glen, Kyle was raised by two hard-working parents. His mother was a CPA and his father was an airline pilot. Their dedication to their respective fields inspired Kyle to pursue a professional that would blend the best of both vocations and highlight his strengths: the desire to help people make money with money and the importance of setting a course to achieve an intended result.
After graduating from Eastern Illinois University with B.S. degree in Business, Kyle began his career at Edward Jones in 2014 as a Financial Advisor. Five years later, he met his current partner, Laurie Long, whose passion for the business matched his own. He moved his practice to Morgan Stanley and he and Laurie officially formed a partnership to leverage each other’s strengths and to provide an even great experience for the clients they proudly serve.
Today, Kyle lives in Shorewood with his wife, Mackenzie. He is the current President and Board member of the Oak Forest Crestwood Chamber of Commerce and is also the Deacon at Calvary of Orland Park Church. Outside of the office, Kyle loves to be outside. He enjoys fishing, snowmobiling, skiing, and hiking with his dog, Remi. Following in his father’s footsteps, Kyle also likes to fly. He has a private pilot’s license and is pursuing his instrument rating.
Securities Agent: KS, IA, AK, PA, LA, GA, FL, CO, AR, SC, WI, OR, NM, MD, WA, TX, OH, NV, MN, IL, NC, MI, TN, CA, AL, AZ, NY, MO, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 1933027
CA Insurance License #: #OK11502
NMLS#: 1933027
CA Insurance License #: #OK11502
About Yvette Kendall
Yvette Kendall is a Registered Client Service Associate with The Long Cavanaugh Group who has over two decades of financial industry experience in Banking, Investments, Trusts, Operations, & Private Wealth Management. Yvette holds a Bachelor’s and Master's degree from DePaul University. She currently resides in the South Suburbs. Yvette enjoys being a lifelong learner, spending time with her family and friends, traveling, and trying new restaurants.
Contact Laurie Long
Contact Kyle Cavanaugh
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms Source: Workingmother.com (Awarded Oct 2021) Data compiled by SHOOK Research LLC based on time period from 3/31/20 - 3/31/21.
Forbes America's Top Women Wealth Advisors
2020-2021 Forbes America's Top Women Wealth Advisors (formerly referred to as Forbes Top Women Wealth Advisors) Source: Forbes.com (Awarded 2020-2021). Data compiled by SHOOK Research LLC based on 12-month time period concluding in September of year prior to the issuance of the award.
Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms Source: Workingmother.com (Awarded Oct 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
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Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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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
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
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 Long Cavanaugh Group today.
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
3Morgan 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.
4Morgan 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.
5Morgan 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.
6When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Morgan 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
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
3Morgan 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.
4Morgan 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.
5Morgan 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.
6When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Morgan 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
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
