Richard Zinman
Managing Director, Private Wealth Advisor, Alternative Investments Director, International Client Advisor, Senior Portfolio Management Director
Phone:
(212) 761-8451(212) 761-8451
Morgan Stanley Private Wealth Management
The Magellan Group
Our Mission Statement
Delivering the experience, resources and personalized service needed to help affluent families address their most complex wealth management issues.
Our Team
Ferdinand Magellan knew how to navigate, using his legendary skills to lead the first seafaring crew to circumvent the globe. Most importantly, Magellan possessed the courage, perseverance and discipline to remain committed to his plan. Secure in knowing that if he trusted his mapping skills, his goals and objectives would become manifest.
Our team derives its name from the inspiration of Magellan. Located in Morgan Stanley’s global headquarters in New York City, our team of 12 investment professionals conceive, design, implement and monitor bespoke wealth management plans for a select group of high-net worth individuals, their families, Private Foundations and generational trusts.
Like Magellan, our value proposition is rooted in discovery. Our team members are dedicated to and experienced in asset allocation, investment manager search and selection, risk management, and tax efficient investing. We work with our clients in a collaborative framework to clearly define goals and objectives; then map wealth management plans to navigate toward the achievement of those stated goals.
Our team canvasses the universe of investment management vehicles, including, but not limited to: Exchange Traded Funds, Separately Managed Accounts, Mutual Funds, Alternative Investments and Cash Management Strategies to recommend those mixes of assets with the potential to optimize risk-adjusted, long-term returns, net of fees and taxes.
Expert navigational skills cannot be optimized without a sturdy and well-staffed vessel. Morgan Stanley provides the thought leadership, institutional products, services and technology as well as expertise in investment banking, capital markets and asset management necessary to complement that objective and thoughtful advice provided by Magellan.
The combination of a first-class dedicated wealth management team, located within one of the world’s premier financial institutions, provides an unparalleled value proposition for our current and prospective clients. We sincerely look forward collaborating on the journey to assist in the manifesting of your personal, financial and legacy goals and objectives.
Our team derives its name from the inspiration of Magellan. Located in Morgan Stanley’s global headquarters in New York City, our team of 12 investment professionals conceive, design, implement and monitor bespoke wealth management plans for a select group of high-net worth individuals, their families, Private Foundations and generational trusts.
Like Magellan, our value proposition is rooted in discovery. Our team members are dedicated to and experienced in asset allocation, investment manager search and selection, risk management, and tax efficient investing. We work with our clients in a collaborative framework to clearly define goals and objectives; then map wealth management plans to navigate toward the achievement of those stated goals.
Our team canvasses the universe of investment management vehicles, including, but not limited to: Exchange Traded Funds, Separately Managed Accounts, Mutual Funds, Alternative Investments and Cash Management Strategies to recommend those mixes of assets with the potential to optimize risk-adjusted, long-term returns, net of fees and taxes.
Expert navigational skills cannot be optimized without a sturdy and well-staffed vessel. Morgan Stanley provides the thought leadership, institutional products, services and technology as well as expertise in investment banking, capital markets and asset management necessary to complement that objective and thoughtful advice provided by Magellan.
The combination of a first-class dedicated wealth management team, located within one of the world’s premier financial institutions, provides an unparalleled value proposition for our current and prospective clients. We sincerely look forward collaborating on the journey to assist in the manifesting of your personal, financial and legacy goals and objectives.
Capabilities
- Open-Architecture Platform
- Comprehensive Wealth Planning
- Hedging Strategies
- Family Governance & Wealth Education
- Investment Management
- Manager Selection
- Philanthropy Management
- Consolidated Reporting
- 10b5-(1) Programs
- Pre-Liquidity Planning
- Proprietary Investment Opportunities
- Risk Management
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
About PWM
Founded in 1977, Private Wealth Management is the division of Morgan Stanley Wealth Management that is dedicated to serving the firm’s most affluent clients, including some of the world’s most accomplished entrepreneurs, executives and stewards of multigenerational wealth. Functioning as an exclusive investment boutique within a global financial firm, we deliver sophisticated solutions that leverage the intellectual capital and insight of Morgan Stanley’s substantial global resources. Drawing on a deep understanding of your financial life, our goal is to help you:
- Manage investments with an unwavering focus on your financial strategy and personal goals
- Create comprehensive, multigenerational wealth management plans based on your needs, challenges and the values that guide your life and legacy
- Simplify financial complexity to help you achieve clarity and control
Private Wealth Management Highlights
- Approximately 300 teams specialized in assisting individuals and families with $20MM+ in investable assets
- Over $1.2 trillion in AUM
- Comprising 26% of the Barron’s Top 100 Financial Advisors list for 2025
- Direct access to ultra high net worth experts in philanthropy, family dynamics, wealth transfer, lifestyle advisory and other areas of interest to ultra high net worth families
1 Morgan Stanley Wealth Management, September 2025
Source: Barron's (Awarded March 2025) This ranking was determined based on an evaluation process conducted by Barron's for the period Oct 2023-Sept 2024. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on an algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the assessment of Barron's and may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
Approach and Philosophy
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Philosophy
We are stewards of our client’s hard earned treasure. At the heart of our philosophy around the strategic management of those assets is the college endowment model of investment management. Specifically, our team strives to incorporate David Swensen, the leading investor of Yale’s endowment, and his team’s strategy. Below are the driving factors of our approach:
1. Understanding that asset allocation and asset location are key for goal based investors
2. Creating an optimally constructed portfolio employing both active and passive investment management
3. Minimizing fees and taxes
4. Mitigating through proper asset allocation
5. Minimizing market timing and being strategic and disciplined in our investment approach
6. Integrating tax, trust, estate, insurance, philanthropic and generational planning, and planning experts with investment plans
7. Periodically re-balancing portfolios back into the client’s investment plan
Asset allocation, diversification and rebalancing do not assure a profit or protect against loss. There may be a potential tax implication with a rebalancing strategy. Please consult your tax advisor before implementing such a strategy.
1. Understanding that asset allocation and asset location are key for goal based investors
2. Creating an optimally constructed portfolio employing both active and passive investment management
3. Minimizing fees and taxes
4. Mitigating through proper asset allocation
5. Minimizing market timing and being strategic and disciplined in our investment approach
6. Integrating tax, trust, estate, insurance, philanthropic and generational planning, and planning experts with investment plans
7. Periodically re-balancing portfolios back into the client’s investment plan
Asset allocation, diversification and rebalancing do not assure a profit or protect against loss. There may be a potential tax implication with a rebalancing strategy. Please consult your tax advisor before implementing such a strategy.
The Magellan Group - 2023-2026 Forbes' Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023, 2024, 2025, 2026) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Source: Forbes.com (Awarded Jan 2023, 2024, 2025, 2026) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
The Magellan Group - 2022-2025 Forbes' America's Top Wealth Management Teams - Private Wealth Management
Forbes America’s Top Wealth Management Teams
Source: Forbes.com (Awarded Nov 2021 - Nov 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/23.
Source: Forbes.com (Awarded Nov 2021 - Nov 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/23.
The Magellan Group - 2024-2025 Barron's Top 250 Private Wealth Management Teams
Barron's Top 250 Private Wealth Management Teams
Source: barrons.com (Awarded May 2024, 2025) Data compiled by Barron's for the period Jan 2023-Dec 2023.
Source: barrons.com (Awarded May 2024, 2025) Data compiled by Barron's for the period Jan 2023-Dec 2023.
The Magellan Group - 2021-2023 Barron's Top 100 Private Wealth Teams
Barron's Top 100 Private Wealth Management Teams
Source: Barron's.com (Awarded Apr 2021 - 2023) Data compiled by Barron's based on time period from Dec 2019 - Dec 2022.
Source: Barron's.com (Awarded Apr 2021 - 2023) Data compiled by Barron's based on time period from Dec 2019 - Dec 2022.
Richard Zinman - 2020-2025 Barron's Top 1200 Financial Advisors State-by-State
2020-2023 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2020-2024). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Source: Barrons.com (Awarded 2020-2024). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Richard Zinman - 2020-2025 Forbes' America's Top Wealth Advisors
2020-2025 Forbes America's Top Wealth Advisors. Source: Forbes.com (Awarded 2020-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of the year the award was issued.
Richard Zinman - 2026 Barron’s Top 1,500 U.S. Financial Advisors
Barron’s Top 1,500 U.S. Financial Advisors (3/20/26). Data as of 9/30/25. Barron's ranks the top 1,500 U.S. financial advisors based on assets under management, revenues generated by the advisors for their firms, and the quality of advisors' practices. Ratings may not guarantee future success or results. Fee paid to rating provider for advertisement materials after rating announced.
Griffin McQuilling - 2021-2025 Forbes' America's Top Next Generation Wealth Advisors
2021-2025 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors). Source: Forbes.com (Awarded 2021-2025). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Griffin McQuilling - 2024, 2025 Forbes' Top Wealth Advisors Best-in-State
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors. Source: Forbes.com (Awarded April 2024, 2025) Data compiled by SHOOK Research LLC for the period 6/30/22 - 6/30/24.
Location
1585 Broadway
21st Fl
New York, NY 10036
US
Direct:
(212) 761-1493(212) 761-1493
Meet The Magellan Group
Griffin McQuilling
Managing Director, Private Wealth Advisor
Phone:
(212) 761-8923(212) 761-8923
Matthew DeVito, CEPA®
Senior Vice President, Private Wealth Advisor, Family Wealth Director
Phone:
(212) 761-7971(212) 761-7971
Joseph Dunn, CFP®
Senior Vice President, Private Wealth Advisor, Alternative Investments Director, Family Wealth Director
Phone:
(212) 761-9842(212) 761-9842
John Moreno
Executive Director, Private Wealth Advisor
Phone:
(212) 761-8583(212) 761-8583
Sabrina Clark
First Vice President, Group Director
Phone:
(212) 761-1493(212) 761-1493
James Lindsay, CEPA®
Vice President, Private Wealth Advisor
Phone:
(212) 761-5696(212) 761-5696
Olivia Wall
PWM Analyst
Phone:
(212) 761-1515(212) 761-1515
Carolina Ramirez
PWM Client Service Associate
Phone:
(212) 761-3078(212) 761-3078
Riley Gallagher
PWM Client Service Associate
Phone:
(212) 761-3156(212) 761-3156
Henry Berck
PWM Client Service Associate
Phone:
(212) 761-0506(212) 761-0506
Taylor Magliarditi
PWM Client Service Associate
Phone:
(212) 761-5216(212) 761-5216
Sajid Aziz
PWM Client Service Associate
Phone:
(212) 761-4628(212) 761-4628
Isabella Brown
PWM Team Associate
Phone:
(212) 761-8574(212) 761-8574
Jessica Silverstein
PWM Client Service Associate
Phone:
(212) 761-0613(212) 761-0613
John Barsanti
PWM Client Service Associate
Phone:
(212) 761-3091(212) 761-3091
About Richard Zinman
Richard Zinman is a Managing Director for The Magellan Group at Morgan Stanley. Richard leads the team and oversees their asset allocation models, manager search & selection process, performance measurement, tax, trust & estate planning strategies, risk management, alternative investment knowledge and philanthropic advisory services.
After receiving his Bachelor of Arts degree in political science from Duke University, Richard began his professional career in 1983 with Dean Witter Reynolds. He went on to work for other institutions such as Citi Smith Barney and Credit Suisse, where he served various roles as a Managing Director and Relationship Manager, as well as the heads of Campus Recruitment and Practice Management for the firm’s North American Private Banking division. More specifically, he led efforts to develop the Private Bank’s investments in human capital, focusing on training Advisors in practice management, new business development, and deepening client relationships. Since transitioning to Morgan Stanley, Richard has been recognized by several financial publications for his work as an advisor. In his time with the firm, he’s been recognized by Barron’s, and Forbes as a top advisor not just in New York state, but in the country. Richard is most proud of The Magellan Group’s recognition by Barron’s as one of the nation's top 250 Private Wealth Management teams in 2024 and by Forbes as a Top Wealth Management Team for 2024.
Outside the office, Richard is active in many organizations. He is the Vice-President of the Katonah Museum of Art, where is also serves on the Executive Committee and Chairs the Development Committee. Additionally, Richard serves on the Bedford Playhouse board, where he is on the executive committee and chairs both the finance and development committees. Richard is also on the Trustee Emeritus of the Caramoor Center for Music and the Arts. Finally, Richard is trustee Emeritus at Riverdale Country School, where he was chair of the board for six years. In his spare time, he enjoys playing golf, collecting and drinking fine wines, and reading historical fiction. Richard resides in Westchester County, New York. He and his wife have three adult daughters.
After receiving his Bachelor of Arts degree in political science from Duke University, Richard began his professional career in 1983 with Dean Witter Reynolds. He went on to work for other institutions such as Citi Smith Barney and Credit Suisse, where he served various roles as a Managing Director and Relationship Manager, as well as the heads of Campus Recruitment and Practice Management for the firm’s North American Private Banking division. More specifically, he led efforts to develop the Private Bank’s investments in human capital, focusing on training Advisors in practice management, new business development, and deepening client relationships. Since transitioning to Morgan Stanley, Richard has been recognized by several financial publications for his work as an advisor. In his time with the firm, he’s been recognized by Barron’s, and Forbes as a top advisor not just in New York state, but in the country. Richard is most proud of The Magellan Group’s recognition by Barron’s as one of the nation's top 250 Private Wealth Management teams in 2024 and by Forbes as a Top Wealth Management Team for 2024.
Outside the office, Richard is active in many organizations. He is the Vice-President of the Katonah Museum of Art, where is also serves on the Executive Committee and Chairs the Development Committee. Additionally, Richard serves on the Bedford Playhouse board, where he is on the executive committee and chairs both the finance and development committees. Richard is also on the Trustee Emeritus of the Caramoor Center for Music and the Arts. Finally, Richard is trustee Emeritus at Riverdale Country School, where he was chair of the board for six years. In his spare time, he enjoys playing golf, collecting and drinking fine wines, and reading historical fiction. Richard resides in Westchester County, New York. He and his wife have three adult daughters.
Securities Agent: TX, VA, KS, WY, MD, VI, NV, OR, OK, WI, RI, WV, VT, PA, NM, CO, MO, MT, ND, NH, CT, NJ, WA, NC, UT, NY, SC, PR, TN, SD, OH, MA, LA, KY, CA, GA, NE, HI, IL, MS, IA, MN, MI, ME, IN, DC, AZ, ID, AR, FL, DE, AL, AK; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1460494
NMLS#: 1460494
About Griffin McQuilling
Griffin McQuilling is a Managing Director with The Magellan Group within Morgan Stanley, where he leads team strategy, helping to align the group’s efforts and resources towards delivering optimal outcomes for clients. In addition, he is responsible for developing and managing the team’s new business development initiatives, building awareness of the team’s and firm’s capabilities, and managing relationships with both current and prospective clients. In these roles, he acts as a key liaison between clients, the team, and the broader Morgan Stanley network. Prior to focusing on overall strategy and business development, Griffin focused on asset allocation with a particular emphasis on alternative investments, helping clients optimize their portfolios through innovative partnerships with world-class asset managers.
Griffin began his career in the financial services industry with Credit Suisse’s Private Banking Division before joining Morgan Stanley Private Wealth Management in 2015. Over the years, he has built a strong reputation for his experience in portfolio construction and client relationship management, earning recognition as one of Forbes’ Top Next-Gen Wealth Advisors for five consecutive years (2021–2025). His deep understanding of wealth management and his ability to provide tailored solutions have been central to his success and the growth of the team’s client base.
A native of Garden City, New York, Griffin attended Wake Forest University, where he earned a degree in finance and global trade and commerce. During his time there, he gained valuable experience working within the university’s $1.4 billion endowment office, sparking his interest in investment management. Griffin has also gone on to earn his MBA in Asset Management from Yale School of Management. Outside of his professional work, Griffin is an active mentor with Student Sponsor Partners, a nonprofit organization that supports at-risk students in New York City. He is also an avid golfer, participates in a handful of amateur tournaments each year, and enjoys traveling and reading in his spare time. Griffin currently resides in New York City.
Griffin began his career in the financial services industry with Credit Suisse’s Private Banking Division before joining Morgan Stanley Private Wealth Management in 2015. Over the years, he has built a strong reputation for his experience in portfolio construction and client relationship management, earning recognition as one of Forbes’ Top Next-Gen Wealth Advisors for five consecutive years (2021–2025). His deep understanding of wealth management and his ability to provide tailored solutions have been central to his success and the growth of the team’s client base.
A native of Garden City, New York, Griffin attended Wake Forest University, where he earned a degree in finance and global trade and commerce. During his time there, he gained valuable experience working within the university’s $1.4 billion endowment office, sparking his interest in investment management. Griffin has also gone on to earn his MBA in Asset Management from Yale School of Management. Outside of his professional work, Griffin is an active mentor with Student Sponsor Partners, a nonprofit organization that supports at-risk students in New York City. He is also an avid golfer, participates in a handful of amateur tournaments each year, and enjoys traveling and reading in his spare time. Griffin currently resides in New York City.
Securities Agent: WI, VA, WY, WV, WA, VT, VI, UT, TX, TN, SD, SC, RI, PR, OR, OK, OH, NV, NM, NJ, NE, ND, NC, MT, MS, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, CT, CO, CA, NH, AZ, AR, AL, NY, AK, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 1685002
CA Insurance License #: 4064785
NMLS#: 1685002
CA Insurance License #: 4064785
About Matthew DeVito
Matthew serves as the team’s Chief Investment Officer and leads Magellan’s Advisory team which focuses on portfolio construction and financial and estate planning strategies. He draws upon his quantitative and analytics background to work with clients on efficiency in portfolio construction and integrating portfolios within broader goals around wealth transfer and philanthropic planning. He creates customized models aimed at determining the best possible structure for the balance sheet to reduce frictional costs of income and estate taxes, as well as how to help most efficiently achieve portfolio returns on a risk-adjusted basis. Matthew uses and implements tax-loss harvesting strategies to reduce tax costs around client liquidity events.
Prior to Morgan Stanley, Matthew worked as a client coverage analyst focusing on macro research at Oak Hill Advisors, a distressed and high yield alternative asset manager. Matthew previously worked at the JPMorgan Private Bank in a group that developed analytics around estate planning strategies, retirement planning and corporate executive compen-sation.
Originally from upstate New York, Matthew attended Wake Forest University where he studied Mathematical Business and Economics. He graduated Summa Cum Laude and was inducted into Phi Beta Kappa. Matthew is a Certified Exit Planning Advisor (CEPA) and member of the Exit Planning Institute which helps family business owners prepare and structure around future liquidity events.
In his free time, Matthew is an avid golfer, competing in regional and national amateur events and was featured in the February 2024 edition of Golf Digest. Matthew is involved with the N.J. Caddy Scholarship Foundation and in 2022 was nominated for the USGA’s Bobby Jones Service Award for his work in extending the program to clubs throughout New Jersey. He resides in Verona, New Jersey with his wife, Heather, and son, Christopher.
Prior to Morgan Stanley, Matthew worked as a client coverage analyst focusing on macro research at Oak Hill Advisors, a distressed and high yield alternative asset manager. Matthew previously worked at the JPMorgan Private Bank in a group that developed analytics around estate planning strategies, retirement planning and corporate executive compen-sation.
Originally from upstate New York, Matthew attended Wake Forest University where he studied Mathematical Business and Economics. He graduated Summa Cum Laude and was inducted into Phi Beta Kappa. Matthew is a Certified Exit Planning Advisor (CEPA) and member of the Exit Planning Institute which helps family business owners prepare and structure around future liquidity events.
In his free time, Matthew is an avid golfer, competing in regional and national amateur events and was featured in the February 2024 edition of Golf Digest. Matthew is involved with the N.J. Caddy Scholarship Foundation and in 2022 was nominated for the USGA’s Bobby Jones Service Award for his work in extending the program to clubs throughout New Jersey. He resides in Verona, New Jersey with his wife, Heather, and son, Christopher.
Securities Agent: OK, WY, VT, TX, IA, KS, MD, NM, ND, WV, WI, WA, VI, VA, UT, TN, SD, SC, RI, PR, PA, OR, OH, NY, NV, NJ, NH, NE, NC, MT, MS, MO, MN, MI, ME, MA, LA, KY, IN, IL, ID, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 2475703
NMLS#: 2475703
About Joseph Dunn
Joseph is a Private Wealth Advisor with two decades of experience in financial services, having started his career just before The Great Recession. He has spent 17 years with The Magellan Group, contributing to financial planning, asset allocation, and investment selection, with an emphasis on building strategies for individuals, families, and business owners. His stated areas of dedication include estate and retirement planning strategies, risk management, and portfolio construction, with a focus on aligning solutions to each client’s specific financial goals and staying current on industry trends and best practices.
In addition to his advisory and planning work, Joseph serves as The Magellan Group’s Chief Operations Officer (COO), positioning him as a connector between strategic vision and day-to-day execution. His core responsibilities include process optimization, facilitating cross-functional alignment, and stakeholder engagement.
His academic background includes an MBA from the University of North Carolina at Chapel Hill (Kenan-Flagler Business School), as well as both Master of Arts and Bachelor of Arts degrees from LIU Post. He also holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation, underscoring a commitment to professional standards in financial planning.
Outside of his core professional responsibilities, Joseph participates in volunteer activities, including service as a Volunteer Member of the CFP® Board Disciplinary and Ethics Commission (3-year term) and as a Volunteer Finance Committee Member for the Black Rock Yacht Club in Bridgeport, Connecticut. On a personal level, he spends time with his family and pursues interests including skiing, sailing, and scuba diving, and he is described as an avid reader with a strong drive for continuous learning.
In addition to his advisory and planning work, Joseph serves as The Magellan Group’s Chief Operations Officer (COO), positioning him as a connector between strategic vision and day-to-day execution. His core responsibilities include process optimization, facilitating cross-functional alignment, and stakeholder engagement.
His academic background includes an MBA from the University of North Carolina at Chapel Hill (Kenan-Flagler Business School), as well as both Master of Arts and Bachelor of Arts degrees from LIU Post. He also holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation, underscoring a commitment to professional standards in financial planning.
Outside of his core professional responsibilities, Joseph participates in volunteer activities, including service as a Volunteer Member of the CFP® Board Disciplinary and Ethics Commission (3-year term) and as a Volunteer Finance Committee Member for the Black Rock Yacht Club in Bridgeport, Connecticut. On a personal level, he spends time with his family and pursues interests including skiing, sailing, and scuba diving, and he is described as an avid reader with a strong drive for continuous learning.
Securities Agent: WY, SC, VT, TN, UT, TX, SD, WA, VA, PA, OR, OK, WV, NY, NV, NM, NH, NE, ND, FL, MO, HI, ME, MD, MA, KS, IN, IL, LA, ID, IA, KY, MN, GA, MT, DE, MS, MI, DC, CT, CO, CA, NJ, NC, AZ, AR, OH, AL, AK, VI, PR, RI, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 2386861
NMLS#: 2386861
About John Moreno
John Moreno is an Executive Director for The Magellan Group at Morgan Stanley. His primary focus is on the integration of wealth transfer strategies with long-term asset allocation implementation. He advises an accomplished clientele of serial entrepreneurs, executives, concentrated shareholders of public companies, and wealthy families who have experienced a significant liquidity event from the monetization of a business or asset. He also brings experience and focus on the risk management of concentrated asset exposure.
John graduated from Wesleyan University with a Bachelor of Arts degree in American studies. He also received his Master of Business Administration degree from Columbia Business School in 2010. He began his career at Citigroup’s Salomon Smith Barney, working as an analyst on Richard Zinman’s team. John led the team’s alternative investment due diligence efforts, working closely with Citi Alternative Investments to cultivate knowledge of existing and pipeline Alternative Investment opportunities. After only a year, John entered the Citigroup advisor training program, where he ranked first in his class with respect to assets under management and revenue.
Since joining Morgan Stanley, John was recognized by Forbes in 2017 as one of America’s Top Next-Gen Wealth Advisors. Sits on Morgan Stanley’s Prospect Management & Client Coverage Advisory Council and carries the Alternative Investments Director designation which recognizes significant users of Alternative Investments across the Morgan Stanley Wealth Management franchise.
John graduated from Wesleyan University with a Bachelor of Arts degree in American studies. He also received his Master of Business Administration degree from Columbia Business School in 2010. He began his career at Citigroup’s Salomon Smith Barney, working as an analyst on Richard Zinman’s team. John led the team’s alternative investment due diligence efforts, working closely with Citi Alternative Investments to cultivate knowledge of existing and pipeline Alternative Investment opportunities. After only a year, John entered the Citigroup advisor training program, where he ranked first in his class with respect to assets under management and revenue.
Since joining Morgan Stanley, John was recognized by Forbes in 2017 as one of America’s Top Next-Gen Wealth Advisors. Sits on Morgan Stanley’s Prospect Management & Client Coverage Advisory Council and carries the Alternative Investments Director designation which recognizes significant users of Alternative Investments across the Morgan Stanley Wealth Management franchise.
Securities Agent: WA, WY, WV, WI, VT, VI, VA, TX, TN, SD, RI, PR, PA, OR, OK, OH, NY, NM, NJ, NH, ND, NC, MT, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, MS, CT, CO, CA, NE, AZ, AR, UT, NV, AL, AK, SC; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1489611
NMLS#: 1489611
About Sabrina Clark
Sabrina Clark is a First Vice President for the Magellan Group at Morgan Stanley. She joined the team as a Group Director in 2022 bringing over ten years of experience in the financial services industry. She is responsible for fostering communication between the partners and the staff and providing exceptional client service.
Sabrina started her career at UBS Wealth Management in Stamford, CT participating in their Bench Program to become a licensed supervisor. After five years with UBS, she joined Morgan Stanley as a Complex Risk Officer in the PWM NY Office working alongside the Magellan team for several years. She most recently worked in National Risk covering the Global Sports and Entertainment Segment where she helped create a control framework and supervision plan for the clientele in this space.
Originally from Connecticut, Sabrina attended the University of Connecticut graduating with a degree in Biological Sciences. She then went on to receive her MBA from Sacred Heart University in Fairfield, CT. Sabrina currently resides in White Plains, NY with her husband Matthew. She is an active volunteer with the Central Westchester Junior League, focusing her efforts on the underserved communities in Westchester, NY. She also enjoys traveling all over the world, trying new restaurants, and spending time with her family and friends.
Sabrina started her career at UBS Wealth Management in Stamford, CT participating in their Bench Program to become a licensed supervisor. After five years with UBS, she joined Morgan Stanley as a Complex Risk Officer in the PWM NY Office working alongside the Magellan team for several years. She most recently worked in National Risk covering the Global Sports and Entertainment Segment where she helped create a control framework and supervision plan for the clientele in this space.
Originally from Connecticut, Sabrina attended the University of Connecticut graduating with a degree in Biological Sciences. She then went on to receive her MBA from Sacred Heart University in Fairfield, CT. Sabrina currently resides in White Plains, NY with her husband Matthew. She is an active volunteer with the Central Westchester Junior League, focusing her efforts on the underserved communities in Westchester, NY. She also enjoys traveling all over the world, trying new restaurants, and spending time with her family and friends.
About James Lindsay
Since joining Morgan Stanley in 2013, James has served as a strategic partner to founders, Single Family Offices, C-suite executives, athletes and entertainers, addressing the complex needs associated with significant wealth. As a Family Wealth Director—a designation reserved for those adept at managing the multifaceted requirements of ultra-high-net-worth families—he acts as a high-level curator of the firm’s global institutional platform, delivering vast intellectual capital and infrastructure in a bespoke, streamlined manner.
Central to his approach is a "same side of the table" philosophy, where James functions as a strategic extension of the Single-Family Offices he serves. By leveraging an intimate understanding of global capital markets, he identifies opportunistic investment strategies that align with each family's unique vision and long-term objectives.
As a Certified Exit Planning Advisor (CEPA®) and a member of the Estate Planning Council of New York City, James provides a comprehensive approach to business transitions and legacy preservation. His work focuses on ensuring a client’s corporate success is thoughtfully integrated with their personal and philanthropic goals.
James is a graduate of Villanova University’s School of Business. He resides in New York City with his wife, Rachel, and their son, Owen. A dedicated supporter of Villanova, he enjoys staying active, traveling, and spending time with his family on the North Fork of Long Island.
Securities Agent: MO, MA, CT, CA, RI, VT, LA, IL, VA, TN, PA, AR, MN, FL, UT, SD, PR, OK, NC, IA, DC, AZ, WV, WI, OH, NY, ID, WY, NH, GA, TX, OR, MI, WA, NM, MD, HI, CO, SC, NE, DE, NV, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 2479527
Central to his approach is a "same side of the table" philosophy, where James functions as a strategic extension of the Single-Family Offices he serves. By leveraging an intimate understanding of global capital markets, he identifies opportunistic investment strategies that align with each family's unique vision and long-term objectives.
As a Certified Exit Planning Advisor (CEPA®) and a member of the Estate Planning Council of New York City, James provides a comprehensive approach to business transitions and legacy preservation. His work focuses on ensuring a client’s corporate success is thoughtfully integrated with their personal and philanthropic goals.
James is a graduate of Villanova University’s School of Business. He resides in New York City with his wife, Rachel, and their son, Owen. A dedicated supporter of Villanova, he enjoys staying active, traveling, and spending time with his family on the North Fork of Long Island.
Securities Agent: MO, MA, CT, CA, RI, VT, LA, IL, VA, TN, PA, AR, MN, FL, UT, SD, PR, OK, NC, IA, DC, AZ, WV, WI, OH, NY, ID, WY, NH, GA, TX, OR, MI, WA, NM, MD, HI, CO, SC, NE, DE, NV, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 2479527
Securities Agent: MO, MA, CT, CA, RI, VT, LA, IL, VA, TN, PA, AR, MN, FL, UT, SD, PR, OK, NC, IA, DC, AZ, WV, WI, OH, NY, ID, WY, NH, GA, TX, OR, MI, WA, NM, MD, HI, CO, SC, NE, DE, NV, NJ; General Securities Representative; Investment Advisor Representative
About Olivia Wall
Olivia Wall is a Private Wealth Management Analyst for the Magellan Group at Morgan Stanley. She holds her FINRA Series 7 and Series 66 licenses and focuses on portfolio construction and analytics. Olivia works closely with clients to enhance efficiency in portfolio construction while integrating their investments within broader objectives, such as wealth transfer and philanthropic planning. Prior to joining the team in 2022, she served as a corps member for Teach for America in Fort Worth, Texas, where she taught fourth grade.
In her current role, she contributes to the development of customized portfolio models designed to identify efficiencies in income and estate tax management. By focusing on risk-adjusted returns, she helps clients navigate complex market environments and maintain a clear path toward their individual wealth objectives
Originally from New York City, Olivia attended Trinity School on the Upper West Side and later graduated magna cum laude from Duke University with a degree in Public Policy. A global citizen, she holds three citizenships (American, Irish, and Swedish) and speaks four languages. In her free time, she enjoys traveling and spending time with family and friends.
In her current role, she contributes to the development of customized portfolio models designed to identify efficiencies in income and estate tax management. By focusing on risk-adjusted returns, she helps clients navigate complex market environments and maintain a clear path toward their individual wealth objectives
Originally from New York City, Olivia attended Trinity School on the Upper West Side and later graduated magna cum laude from Duke University with a degree in Public Policy. A global citizen, she holds three citizenships (American, Irish, and Swedish) and speaks four languages. In her free time, she enjoys traveling and spending time with family and friends.
About Carolina Ramirez
Carolina Ramirez serves as a Client Service Associate for the Magellan Group at Morgan Stanley. She joined the team in 2023 after earning her degree in Public Relations, Advertising, and Entrepreneurship from the University of North Carolina at Chapel Hill. During her studies, Carolina gained extensive knowledge and experience, which she applied in roles at Christie's Auction House and Fitch Ratings. She holds her FINRA Series 7 and Series 66 licenses and is responsible for managing accounts, coordinating communications, and ensuring a seamless client experience and relationship.
A native of New York City, Carolina attended The Convent of the Sacred Heart on the Upper East Side. Now back in the city, she is eager to pursue her passions for fine art, international cuisine, cooking, travel, and live music. Carolina's enthusiasm for travel is enriched by her dual citizenship (USA and Brazilian) and her fluency in three languages.
A native of New York City, Carolina attended The Convent of the Sacred Heart on the Upper East Side. Now back in the city, she is eager to pursue her passions for fine art, international cuisine, cooking, travel, and live music. Carolina's enthusiasm for travel is enriched by her dual citizenship (USA and Brazilian) and her fluency in three languages.
About Riley Gallagher
Riley joined the Magellan Group in June 2023 as a PWM Client Service Associate. In this role, she supports client relationships through account management, portfolio implementation, and delivering high-touch, personalized service.
Originally from Garden City, New York, Riley graduated from Wake Forest University in 2023 where she earned her Bachelor's degree in Finance with a minor in English. Drawing on her finance background, Riley is focused on expanding her involvement within the team's investment efforts, with a particular interest in portfolio construction and asset allocation strategies. Outside of the office, Riley is an avid skier. She also enjoys tennis, reading, and hiking.
Originally from Garden City, New York, Riley graduated from Wake Forest University in 2023 where she earned her Bachelor's degree in Finance with a minor in English. Drawing on her finance background, Riley is focused on expanding her involvement within the team's investment efforts, with a particular interest in portfolio construction and asset allocation strategies. Outside of the office, Riley is an avid skier. She also enjoys tennis, reading, and hiking.
About Henry Berck
Henry Berck is a Client Service Associate for the Magellan Group at Morgan Stanley. Prior to joining the team in 2024, Henry spent 2 years working for a wealth management team at Hightower Advisors, where he managed accounts for ultra-high net worth and institutional clients. He holds his FINRA Series 7 and 66 licenses.
Originally from Chappaqua, New York, Henry graduated from Wake Forest University in 2021 with a degree in Economics and a minor in Chinese. Outside of Morgan Stanley, Henry serves as an Ambassador for First Generation Investors, a non-profit organization that aims to teach high school students the importance of financial literacy.
Originally from Chappaqua, New York, Henry graduated from Wake Forest University in 2021 with a degree in Economics and a minor in Chinese. Outside of Morgan Stanley, Henry serves as an Ambassador for First Generation Investors, a non-profit organization that aims to teach high school students the importance of financial literacy.
About Taylor Magliarditi
Taylor is a PWM Client Service Associate for the Magellan Group at Morgan Stanley. She currently holds a FINRA Series 7 and Series 66 license.
Originally from Nevada, Taylor played Division I soccer for UCLA. At UCLA, she majored in Psychology, with an emphasis on behavioral psychology. Before joining the team, Taylor was an administrative director for a Bais Yaakov in the Upper West Side of Manhattan. In her free time, she enjoys painting, cooking, Premier League Soccer, and reading. Furthermore, Taylor is conversational in Spanish.
Originally from Nevada, Taylor played Division I soccer for UCLA. At UCLA, she majored in Psychology, with an emphasis on behavioral psychology. Before joining the team, Taylor was an administrative director for a Bais Yaakov in the Upper West Side of Manhattan. In her free time, she enjoys painting, cooking, Premier League Soccer, and reading. Furthermore, Taylor is conversational in Spanish.
About Sajid Aziz
Sajid Aziz is a Client Service Associate for the Magellan Group at Morgan Stanley. He graduated from Wesleyan University in May 2025 with a degree in Economics and a minor in Engineering. He holds his FINRA Series 7 and 66 licenses.
Sajid joined the team in June 2025 after interning the prior summer. Originally from Long Island, New York, Sajid now lives in Manhattan. He enjoys spending his time outdoors playing golf, soccer, and fishing.
Sajid joined the team in June 2025 after interning the prior summer. Originally from Long Island, New York, Sajid now lives in Manhattan. He enjoys spending his time outdoors playing golf, soccer, and fishing.
About Isabella Brown
Isabella Brown is a Team Associate for the Magellan Group at Morgan Stanley. She spent two years in the Morgan Stanley Wealth Management Rotational Analyst Program, joining the Magellan group in January 2025. She holds her FINRA Series 7, Series 63 and Series 65 licenses.
Originally from Lake Forest, Illinois, Isabella graduated from the A.B. Freeman School of Business at Tulane University with a degree in Finance and Marketing with a minor in Spanish. She enjoys running, scuba diving, travelling and cooking.
Originally from Lake Forest, Illinois, Isabella graduated from the A.B. Freeman School of Business at Tulane University with a degree in Finance and Marketing with a minor in Spanish. She enjoys running, scuba diving, travelling and cooking.
About Jessica Silverstein
Jessica Silverstein is a Client Service Associate for the Magellan Group at Morgan Stanley. She graduated magna cum laude from the University of Southern California’s Marshall School of Business, where she earned her degree in Business Administration with a minor in Communication Technology. Prior to working with the Magellan Group, Jessica gained experience at both Morgan Stanley and Fidelity Investments. She holds her FINRA Series 7 and Series 66 licenses and is responsible for managing client relationships, coordinating communications, and ensuring a seamless and high-quality client experience.
Originally from Old Westbury on Long Island, Jessica is excited to continue building her career in New York City. Out-side of work, she enjoys fashion, wellness, travel, and exploring the city’s food and culture.
Originally from Old Westbury on Long Island, Jessica is excited to continue building her career in New York City. Out-side of work, she enjoys fashion, wellness, travel, and exploring the city’s food and culture.
About John Barsanti
John Barsanti is a Client Service Associate for the Magellan Group at Morgan Stanley. He joined Morgan Stanley in December of 2024 as a market floater, helping various teams before joining the Magellan Group in December of 2025. He holds his FINRA Series 7 and 66 licenses.
Originally from Darien, Connecticut, John graduated Cum Laude from Villanova University in May 2024 with a degree in Finance from the Villanova School of Business and a minor in Spanish. Outside of work, he enjoys living an active lifestyle, traveling, cooking, and spending time with family and friends.
Originally from Darien, Connecticut, John graduated Cum Laude from Villanova University in May 2024 with a degree in Finance from the Villanova School of Business and a minor in Spanish. Outside of work, he enjoys living an active lifestyle, traveling, cooking, and spending time with family and friends.
Contact Richard Zinman
Contact Griffin McQuilling
Contact Matthew DeVito
Contact Joseph Dunn
Contact John Moreno
Private Wealth Management
Professional Insights
Donor Advised Funds: A Smart Way to Manage Your Giving
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
Managing Significant Wealth
- Investment Management
- Wealth Transfer & Philanthropy
- Cash Management & Lending
- Family Governance & Wealth Education
- Lifestyle Advisory
- Business Services
Private Wealth Management Podcast
Bringing you engaging stories and key insights surrounding the complexities associated with significant wealth, including:
- Intergenerational Planning
- Philanthropic Giving
- Non-Traditional Assets
- Managing Family Wealth
Insights and Outcomes
Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
Morgan 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.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Morgan 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
Awards Disclosures | Morgan Stanley
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
Morgan 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.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Morgan 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
Awards Disclosures | Morgan Stanley
CRC 4237142 (02/2025)
