Herbert Milner, CFP®
Executive Director, Wealth Advisor, Senior Portfolio Management Director
Phone:
(407) 740-4979(407) 740-4979
The Magnolia Group at Morgan Stanley
Direct:
(407) 740-4900(407) 740-4900
Toll-Free:
(800) 829-5105(800) 829-5105
Industry Award WinnerOur Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Welcome
The Magnolia Group at Morgan Stanley brings together three financial advisors, Herb, Robby, Mike. With over 70 years of combined industry experience, our clients are able to benefit from the expertise of each team member. While there will always be an established primary relationship between the client and one FA, our team will work diligently together to solve unique, complex problems in order to provide our clients with the best possible advice and service.
Whether you are looking for a portfolio review, insurance review, estate planning strategies, retirement planning, or more, our team is here to simplify financial situations and allow you to enjoy your life without the added worry of your financial standing. To learn more about each team member, check out their biographies found below.
Whether you are looking for a portfolio review, insurance review, estate planning strategies, retirement planning, or more, our team is here to simplify financial situations and allow you to enjoy your life without the added worry of your financial standing. To learn more about each team member, check out their biographies found below.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Value of Advice
Our clients are quite diverse and have varied interests, career paths, and family situations. However, they typically have many traits in common.
They are usually busy individuals who consider their financial future a priority. They care deeply about their families and work to provide the best for generations to come. They want to maintain a certain lifestyle and enjoy memorable experiences throughout their retirement.
They are usually busy individuals who consider their financial future a priority. They care deeply about their families and work to provide the best for generations to come. They want to maintain a certain lifestyle and enjoy memorable experiences throughout their retirement.
Working With You
Every client has goals and aspirations for their financial resources. Whether that is paying for your child's higher education, an orderly transfer of your wealth to the next generation, or simply retiring comfortably, you have ambitions and desires.
It's unfortunate, but many investors use a rather piecemeal and random approach to financial planning. Because you've worked your entire life for a certain lifestyle in your retirement years, it's critical that we follow a highly structured and comprehensive process in planning for those years. We use a 4-step process with our clients to develop and address their goals.
It's unfortunate, but many investors use a rather piecemeal and random approach to financial planning. Because you've worked your entire life for a certain lifestyle in your retirement years, it's critical that we follow a highly structured and comprehensive process in planning for those years. We use a 4-step process with our clients to develop and address their goals.
Discovery
The first step in the wealth management process is critical to the development of a financial plan. By asking deeper, meaningful questions, we strive to get to the bottom of your financial situation and identify your unique goals for retirement, higher education, a secondary home, or more. In addition to outlining financial goals, we seek to build a complete financial picture, including any assets and liabilities held elsewhere.
Asset Location
The second step in the wealth management process entails utilizing any and all styles of accounts available in order to maximize tax efficiency. Our intelligent withdrawal software allows us to factor required minimum distribution and tax lots to recommend the most appropriate account to take any unexpected expenses. Whether it is a retirement vehicle, a 529 plan, Health Savings Account, we seek to find the optimal account to fit your unique financial situation and meet your financial goals.
Asset Implementation
The next step in the wealth management process involves selecting which investments to include in your unique portfolio. As an industry leader in providing research across a variety of asset classes, we leverage these resources to build discretionary models that align to client objectives. Depending on the client's unique risk profile, we tailor a unique portfolio incorporating the financial planning and asset location framework for each client. If you are unsure about a specific investment that was selected, we will happily explain the rationale behind the selection.
Ongoing Review
Our team will continuously review your investments to ensure that your portfolio remains aligned to your financial plan. During our bi-annual plan review meetings, we will review your plan in entirety and discuss if you would like to make any changes. While we plan on bi-annual plan review meetings, we are always happy to sit down and any point in time and make a change in the event of an unexpected circumstance.
Investor Resources
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our cutting edge tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
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Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit our Security Center
529 Education Savings Plans
529 plans offer a flexible, tax-advantaged way to invest for education expenses while helping to improve estate planning. Gain fiduciary oversight of your education funding strategy within the context of your broader portfolio through the exclusive Morgan Stanley National Advisory 529 Plan.
529 Plan Options at Morgan StanleyManaging Concentrated Equities
A concentrated stock position can be a powerful source of wealth, but it can also create outsized exposure to a single company, sector, or market event. Our Concentrated Stock Solutions are designed to help you evaluate that risk in the context of your broader financial picture and explore thoughtful ways to diversify over time, manage taxes, and align your holdings with your goals. Whether your shares come from equity compensation, a long-held investment, or a liquidity event, we'll start with what matters most to you: protecting what you've built while keeping you positioned for what's next.
Together, we can review a range of strategies that may help reduce concentration risk while maintaining flexibility, such as staged selling plans, tax-aware diversification approaches, hedging techniques, and charitable or estate-planning solutions where appropriate. We'll walk through potential trade-offs, costs, and risks in plain language, coordinate with your tax and legal advisors, and build an action plan tailored to your timeline and priorities. The goal is a disciplined, personalized approach that helps you move from "one stock risk" to a more resilient, intentional wealth strategy.
The HOPES System:
- H- Hold: Defer capital gains and maintain potential upside in the stock
- O- Options: Mitigate downside risk, dampen volatility, generate income or monetize the position
- P- Planned Giving: Comine charitable giving with tax optimization
- E- Ex-Funds: Achieve immediate diversification with tax deferral
- S- Sell: Generate liquidity in a tax-smart way
Location
250 S Park Avenue
Suite 500
Winter Park, FL 32789
US
Direct:
(407) 740-4900(407) 740-4900
Toll-Free:
(800) 829-5105(800) 829-5105
Meet The Magnolia Group
Phone:
(407) 740-4980(407) 740-4980
Financial Advisor, Portfolio Manager, Financial Planning Specialist, CERTIFIED FINANCIAL PLANNER®
Phone:
(407) 740-4978(407) 740-4978
Phone:
(407) 740-4974(407) 740-4974
Managing Director, Wealth Management, Wealth Advisor, Family Wealth Director, Senior Investment Management Consultant, Senior Portfolio Management Director, Lending Specialist
Phone:
(407) 740-4924(407) 740-4924
About Herbert Milner
Herb has been in the industry for 19 years. He is a Senior Vice President and Senior Portfolio Manager, as well as a CERTIFIED FINANCIAL PLANNER®. Herb started his career at A.G. Edwards and then transitioned to Smith Barney and Morgan Stanley in 2009. Herb grew up in the Orlando, Florida area is a graduate of Georgia Southern University where he received his Bachelor of Arts in Business Administration.
He is married and a father of three children. Herb serves on the Lois Holt Foundation of Central Florida, Inc. Board, and is a member of the Winter Park Chamber of Commerce. He enjoys golfing, fishing and spending time with his family in his free time.
Herb is committed to excellence and client happiness.
He is married and a father of three children. Herb serves on the Lois Holt Foundation of Central Florida, Inc. Board, and is a member of the Winter Park Chamber of Commerce. He enjoys golfing, fishing and spending time with his family in his free time.
Herb is committed to excellence and client happiness.
Securities Agent: DC, LA, VA, SC, MT, MA, FL, DE, CO, AL, PA, MI, AZ, AR, WV, TN, TX, OK, NJ, NC, MD, OR, WY, WI, NY, MS, CT, RI, OH, ID, MN, KY, GA, MO, KS, IN, IL, CA, WA, VT, UT, NV, ME; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1255430
NMLS#: 1255430
About C. Robert Ball
Robby began his career in financial services in 1981, where he started with A.G. Edwards. He moved to Morgan Stanley Smith Barney in 2009. Robby is a licensed registered options principle and was an assistant branch manager at A.G. Edwards & Sons for 10 years. While at Morgan Stanley he has attained the Portfolio Manager designation. Before his career, Robby attended the University of Florida, was a defensive back on the UF football team and a member of the Kappa Alpha fraternity.
He has been married to his wife Margie for 43 years, has three children and 6 grandchildren. Robby enjoys giving back to the community and has served on multiple boards/committees affiliated with First Presbyterian Church of Orlando and Fellowship of Christian Athletes. He has also spent time with the Heart of the City Foundation, along with being a participant with Junior Achievement. Robby spent time as a youth league coach within the College Park community.
He focuses his practice on retirement strategies, portfolio management, taxable and tax free income strategies and small businesses company retirement plans.
He has been married to his wife Margie for 43 years, has three children and 6 grandchildren. Robby enjoys giving back to the community and has served on multiple boards/committees affiliated with First Presbyterian Church of Orlando and Fellowship of Christian Athletes. He has also spent time with the Heart of the City Foundation, along with being a participant with Junior Achievement. Robby spent time as a youth league coach within the College Park community.
He focuses his practice on retirement strategies, portfolio management, taxable and tax free income strategies and small businesses company retirement plans.
Securities Agent: MO, UT, NJ, MA, IL, ID, GA, DE, CT, CA, AL, VA, TN, NC, MI, ME, FL, TX, MN, OH, MS, IA, WI, WA, RI, OR, KS, OK, NY, MT, LA, WY, SC, NV, NM, KY, CO, IN, AR, VT, PA, MD, DC, AZ, WV; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1279437
NMLS#: 1279437
About Michael Eichner
As your Financial Advisor, my role is to help you increase your comfort level that comes from knowing your financial assets are part of a thorough and organized plan. Utilizing our three-step wealth management process, we identify your goals and find the optimal balance of risk and return to achieve them. Next, we take a deep dive into your cash flows and financial accounts with a keen eye on tax efficiency for your savings, withdrawals and investments. Finally, we provide a customized portfolio rooted in individual security selection that is designed to reduce costs and align with your financial goals.
Throughout the wealth management process I strive to embody the guiding principles of integrity, transparency and accountability. I am dedicated to serving as your advocate with white glove service making navigating the financial landscape as painless as possible. As a CERTIFIED FINANCIAL PLANNER™ practitioner, I am committed to putting client interests above all else. You have worked hard to build your wealth and we work just as hard to protect and grow it; in earning your trust I hope to empower you to make informed financial decisions and be able to spend more time doing what you love.
Throughout the wealth management process I strive to embody the guiding principles of integrity, transparency and accountability. I am dedicated to serving as your advocate with white glove service making navigating the financial landscape as painless as possible. As a CERTIFIED FINANCIAL PLANNER™ practitioner, I am committed to putting client interests above all else. You have worked hard to build your wealth and we work just as hard to protect and grow it; in earning your trust I hope to empower you to make informed financial decisions and be able to spend more time doing what you love.
Securities Agent: NY, AR, MT, AL, WA, MN, ME, MA, SC, ID, WI, KY, VT, TX, NJ, NC, MS, MI, IN, UT, MO, IL, GA, OR, OK, KS, FL, CT, AZ, WY, PA, LA, DE, CA, WV, VA, OH, DC, TN, RI, NV, MD, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1891484
NMLS#: 1891484
About Christopher Jones
Securities Agent: PA, MT, GA, CT, WI, SC, LA, AZ, UT, RI, OR, OH, FL, NC, MN, IN, CO, WV, CA, OK, NV, MO, KS, WY, TN, MI, MD, WA, TX, MA, KY, DC, AR, AL, NY, NJ, MS, DE, VT, VA, ME, IL, ID; General Securities Representative; Investment Advisor Representative
NMLS#: 1401585
NMLS#: 1401585
About Robert Harvie
Robert has been a member of the financial services industry for over 25 years. As a Financial Advisor with Morgan Stanley, he offers a full suite of financial planning and investment services to individual clients, institutions, foundations and endowments. He has earned the distinctions of Certified Financial Planner™ practitioner and Certified Investment Manager Analyst designee, as well as a Master of Business Administration Degree from the Crummer School of Business at Rollins College and is a member of the Firm’s Masters Club. Sometimes the financial concerns that are most important to your family fall outside the traditional bounds of a brokerage relationship; like transferring a family business to the next generation, creating an estate plan to minimize the potential for sibling conflict, or refining your philanthropic goals and strategies. Addressing these concerns requires specialized knowledge, experience and commitment.
Robert Harvie has earned Morgan Stanley’s Family Wealth Director (FWD) designation. One of fewer than 4% of Morgan Stanley Financial Advisors to have earned the Family Wealth Director (FWD) designation. Robert has accumulated the experience and undergone the rigorous training to better assist you and your family with a broader spectrum of wealth management issues. Robert has demonstrated a sophisticated approach to the management of significant wealth that helps to set him apart from others within the industry.
Prior to joining Morgan Stanley, Robert’s 19 year career as Vice President and Wealth Advisor at Merrill Lynch was distinguished by successive appointments to the Executive’s Club, the President’s Club and the Chairman’s Club.
Robert Harvie is a life-long Central Floridian who resides in Winter Park with his wife, Catherine, and their two sons, Robert and William. Mr. Harvie enjoys boating, water sports, triathlon training and mountain climbing.
Robert Harvie has earned Morgan Stanley’s Family Wealth Director (FWD) designation. One of fewer than 4% of Morgan Stanley Financial Advisors to have earned the Family Wealth Director (FWD) designation. Robert has accumulated the experience and undergone the rigorous training to better assist you and your family with a broader spectrum of wealth management issues. Robert has demonstrated a sophisticated approach to the management of significant wealth that helps to set him apart from others within the industry.
Prior to joining Morgan Stanley, Robert’s 19 year career as Vice President and Wealth Advisor at Merrill Lynch was distinguished by successive appointments to the Executive’s Club, the President’s Club and the Chairman’s Club.
Robert Harvie is a life-long Central Floridian who resides in Winter Park with his wife, Catherine, and their two sons, Robert and William. Mr. Harvie enjoys boating, water sports, triathlon training and mountain climbing.
Securities Agent: NV, CA, OR, NC, AL, MT, MN, VT, NJ, NH, FL, UT, TN, MO, MD, KY, IA, GA, KS, ID, WA, TX, MS, ME, IL, DC, CO, AR, WY, WI, VA, NY, MI, HI, AZ, PA, IN, OK, OH, MA, DE, PR, WV, SC, RI, LA, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1297920
NMLS#: 1297920
Contact Herbert Milner
Contact C. Robert Ball
Contact Michael Eichner
Contact Christopher Jones
Contact Robert Harvie
Awards and Recognition
Forbes Best-In-State Wealth Advisors
2024-2026 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2024-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Best-In-State Wealth Management Teams
2024-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
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Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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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
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Magnolia Group today.
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.
1Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
2Morgan 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.
3Morgan 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.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards 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.
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
1Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
2Morgan 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.
3Morgan 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.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards 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.
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
CRC 4665150 (8/2025)
