Oscar Cantu, CEPA®
Senior Vice President, Private Wealth Advisor, Private Wealth Advisor, Family Wealth Director, Alternative Investments Director, Certified Exit Planning Advisor™ (CEPA)
Phone:
(212) 903-7692(212) 903-7692
Industry Award WinnerOur Mission Statement
The Manhattan Group’s mission is to help founders and entrepreneurs achieve financial freedom, leave an enduring legacy, and fund causes that are important to them.
Welcome
OUR EXPERTISE: FOUNDERS AND ENTREPRENUERS
Only experience can hone expertise, and ours was developed by exclusively advising the founder and entrepreneur community. Our broad set of clients include founders from numerous industries who have exited to a wide range of prominent public and private equity buyers, such as: Bain Capital, Microsoft, Thoma Bravo, Insight Partners, Meta, Francisco Partners, Blackstone, KKR and others. Our clients look to us during these pivotal periods because of our deep domain expertise in advising founders before and after a transaction.
HELPING CLIENTS NAVIGATE THE OPPORTUNITIES AND CHALLENGE OF MEANINGFUL LIQUIDITY EVENTS
Outsized wealth creation from an upcoming or recent liquidity event can be accompanied by endless opportunity but also unexpected complexity, sudden challenges, and a steep learning curve if you're not prepared. Many of our clients have faced the urgent need to address issues surrounding tax mitigation, intergenerational wealth transfer, the values and legacy the family wishes to pass down, and the philanthropic impact they hope to achieve in their communities. We also know that's just the tip of the iceberg. As clients navigate these considerations, they are pressed to evaluate an investment strategy while considering various tax, trust and philanthropic structures that allow them to execute their vision in the most tax effective manner.
OUR ROLE
As Certified Exit Planning Advisors, founders and entrepreneurs hire us to help them navigate these complex periods because of our demonstrated expertise built on years of experience developing and executing holistic pre- and post-liquidity strategies. We ask focused and purposeful questions, listen intently, and seek to understand the family values and mission that will drive and guide each of our client's strategic plan. We consult and educate clients on approaches to reduce capital gains and estate tax, often leading to more liquidity for them and future generations. Ultimately, we help clients execute on a tailored tax, estate, and philanthropic framework and create investment strategies that enhance financial outcomes measured across generations.
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 350 teams1 specialized in assisting individuals and families with $20MM+ in investable assets
- Over $980 billion in AUM1
- Comprising 23% of the Barron’s Top 250 Private Wealth Management Teams for 2024
- 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, December, 2024
Source: Barron's.com (May 2024) 2024 Barron's Top 250 Private Wealth Management Teams awarded in 2024. The teams are ranked on a variety of factors, including their size and shape, their regulatory records and credentials of their members, and the resources they have at their disposal to serve their client bases. The rankings are meant as a starting point for clients looking for an advisor—a first-pass vetting that can help investors narrow a search. Every advisor will have his or her own approach to investing, financial planning, and other services. Clients are encouraged to approach a search for an advisor the way they would a search for a doctor—interviewing multiple professionals and getting opinions from multiple third parties. Rankings are based on the opinions of Barron's and this ranking 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.
Who are our clients?
Our Typical Client
- Liquid net worth potential > $10 million
- Post-monetization founders and entrepreneurs
- Business owners seeking M&A advice
- Pre-monetization business owners seeking QSBS, tax, trust, estate, and philanthropic planning guidance
- Founder formed family offices
- Venture capital backed founders
- Private equity professionals and management with profit interest
- Investment bankers and M&A attorneys
Business Owner Advisory
As a business owner, your personal wealth is inextricably linked to the financial health of your company. We understand the interplay between your business decisions and your future. Our Business Owner Advisory practice is tailored to serve the unique needs of mid-market business owners, their families, and their businesses. Our client’s objectives often include:
• Integrating their business strategy with their overall personal wealth management strategy
• Minimizing personal, corporate, and estate taxes
• Preserving assets and generating sufficient income for lifestyle maintenance
• Recruiting and retaining key employees
• Determining and maximizing the value of their business
• Accessing alternative sources of capital for growth
• Identifying potential buyers or investors
• Organizing the right advisory team
To help address these topics we utilize the experience of our team, the global resources of Morgan Stanley, and our network of subject matter experts in areas such as personal and corporate tax, trust & estates, corporate law and investment banking.
• Integrating their business strategy with their overall personal wealth management strategy
• Minimizing personal, corporate, and estate taxes
• Preserving assets and generating sufficient income for lifestyle maintenance
• Recruiting and retaining key employees
• Determining and maximizing the value of their business
• Accessing alternative sources of capital for growth
• Identifying potential buyers or investors
• Organizing the right advisory team
To help address these topics we utilize the experience of our team, the global resources of Morgan Stanley, and our network of subject matter experts in areas such as personal and corporate tax, trust & estates, corporate law and investment banking.
Location
55 East 52nd Street 10th
29th Floor
New York, NY 10055
US
Direct:
(212) 903-7692(212) 903-7692
55 South Lake Avenue
Suite 700
Pasadena, CA 91101
US
Meet The Manhattan Group
Vincent Sege
Senior Vice President, Private Wealth Advisor, Private Wealth Advisor, Certified Exit Planning Advisor™ (CEPA), Senior Portfolio Manager, Alternative Investments Director
Phone:
(212) 903-7638(212) 903-7638
David Sedrak
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Manager
Phone:
(212) 903-7705(212) 903-7705
Bailey Harrison
Financial Advisor
Phone:
(626) 683-4623(626) 683-4623
Alexandra Kennedy
Registered Associate
Phone:
(212) 503-1132(212) 503-1132
Matthew Kutz
Registered Client Service Associate
Phone:
(212) 903-7690(212) 903-7690
Nauman Aftab
Private Wealth Management Intern
Clara Puiggali
Private Wealth Management Intern
Phone:
(212) 883-8534(212) 883-8534
About Oscar Cantu
Oscar is a Managing Partner of The Manhattan Group at Morgan Stanley. As a Family Wealth Director*, he is fluent in sophisticated techniques surrounding pre- and post- transaction tax, trust and philanthropic planning that can result in seven to eight figure savings. Focused on advising entrepreneurs and their family offices exclusively, Oscar has developed knowledge and experience in post liquidity portfolio construction, due diligence, and implementation of resilient portfolios that seek to compound returns from diverse sources, across public and private markets.
His clients include founders from numerous industries who have exited to a wide range of prominent public and private equity buyers. These clients look to him during these pivotal periods because of his deep domain experienced in advising founders before and after a transaction.
Oscar is a graduate of Holy Cross where he received his degree in Economics and a Division I Soccer Scholarship. Oscar is actively involved with his alma mater Brophy College Preparatory’s Loyola Academy Scholars, a tuition-free on-campus program for boys entering 6th grade who demonstrate academic promise and financial need. The program guides students through a rigorous and supportive middle school experience, preparing them for Brophy and ultimately for college, where many go on to become first-generation graduates. He serves on the US Soccer Foundation's New York Leadership Council which focuses on making soccer accessible to underprivileged communities. He continues to play and coach soccer competitively, loves to surf, and has recently taken up tennis, skiing, and distance running, including two NYC Marathons.
*The Family Wealth Director Designation is held by approximately 5% of Financial Advisors at Morgan Stanley as of December 2024. Family Wealth Directors must demonstrate professional knowledge and experience in a range of wealth management solutions including estate planning strategies, alternative investments, control and restricted securities, lending, hedging and monetization, and business succession planning. Family Wealth Directors have specialized access to a variety of family advisory services including, family governance and wealth education, philanthropy management and lifestyle advisory.
His clients include founders from numerous industries who have exited to a wide range of prominent public and private equity buyers. These clients look to him during these pivotal periods because of his deep domain experienced in advising founders before and after a transaction.
Oscar is a graduate of Holy Cross where he received his degree in Economics and a Division I Soccer Scholarship. Oscar is actively involved with his alma mater Brophy College Preparatory’s Loyola Academy Scholars, a tuition-free on-campus program for boys entering 6th grade who demonstrate academic promise and financial need. The program guides students through a rigorous and supportive middle school experience, preparing them for Brophy and ultimately for college, where many go on to become first-generation graduates. He serves on the US Soccer Foundation's New York Leadership Council which focuses on making soccer accessible to underprivileged communities. He continues to play and coach soccer competitively, loves to surf, and has recently taken up tennis, skiing, and distance running, including two NYC Marathons.
*The Family Wealth Director Designation is held by approximately 5% of Financial Advisors at Morgan Stanley as of December 2024. Family Wealth Directors must demonstrate professional knowledge and experience in a range of wealth management solutions including estate planning strategies, alternative investments, control and restricted securities, lending, hedging and monetization, and business succession planning. Family Wealth Directors have specialized access to a variety of family advisory services including, family governance and wealth education, philanthropy management and lifestyle advisory.
Securities Agent: NE, CO, ME, GA, TX, PR, WV, OH, NC, MO, PA, NY, NH, MA, IL, VA, DC, CA, WY, WI, IN, IA, TN, NJ, MD, FL, UT, SC, CT, AZ, WA, NV, MI, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 1275613
NMLS#: 1275613
About Vincent Sege
Vincent is a Founder and Managing Partner of The Manhattan Group. Vincent focuses on advising entrepreneurs on the structuring and management of their wealth; usually as they approach or shortly after a liquidity event. He leverages his experience to educate clients on important investing and planning matters ranging from public and private market investing to advanced tax, estate and philanthropic planning techniques.
Vincent resides in Connecticut with his wife Erika and three sons, Noah, Brooks and Jack. He is a competitive amateur triathlete and Ironman All World Athlete. Vincent is a member of the JED Foundation's Young Leadership Committee which aims to protect emotional health and prevent suicide for teens and young adults. He is a graduate of Sacred Heart University, where he received his degree in Business.
Vincent resides in Connecticut with his wife Erika and three sons, Noah, Brooks and Jack. He is a competitive amateur triathlete and Ironman All World Athlete. Vincent is a member of the JED Foundation's Young Leadership Committee which aims to protect emotional health and prevent suicide for teens and young adults. He is a graduate of Sacred Heart University, where he received his degree in Business.
Securities Agent: NH, MI, HI, CA, AZ, WA, DC, UT, TN, OH, NV, FL, WI, PR, NY, NE, MD, IA, DE, PA, ME, MA, IL, ID, VA, TX, NJ, IN, WV, GA, CT, NC, CO, WY, SC, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 1274579
NMLS#: 1274579
About David Sedrak
David is a Senior Vice President and senior member of The Manhattan Group at Morgan Stanley Private Wealth Management. He provides coordinated leadership across all of the areas that touch the financial lives of clients and plays a role in all aspects of the team's business including wealth planning, investment management, business development. David oversees The Manhattan Group's Los Angeles office.
Prior to joining Morgan Stanley, David worked as a Senior Associate with UBS. He received a B.S. in Business Economics from Rutgers University, where he was a member of the Alpha Kappa Lambda Fraternity. David holds the Series 7, 63, and 65 securities licenses.
In his free time, he volunteers with short-term missions in Africa and South America. David enjoys traveling with his wife Nadra and spending time with his French Bulldog. He currently resides in Southern California.
Prior to joining Morgan Stanley, David worked as a Senior Associate with UBS. He received a B.S. in Business Economics from Rutgers University, where he was a member of the Alpha Kappa Lambda Fraternity. David holds the Series 7, 63, and 65 securities licenses.
In his free time, he volunteers with short-term missions in Africa and South America. David enjoys traveling with his wife Nadra and spending time with his French Bulldog. He currently resides in Southern California.
Securities Agent: TX, NE, MO, NC, DC, VT, UT, MN, MI, IA, CA, HI, WY, WI, NJ, IL, GA, VA, TN, MA, CT, WV, WA, PR, NV, FL, AZ, PA, OH, NH, SC, OR, NY, MD, DE, CO, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 1906131
NMLS#: 1906131
About Bailey Harrison
As a Financial Advisor with The Manhattan Group at Morgan Stanley, Bailey focuses on working with entrepreneurs and founders to craft personalized wealth strategies designed to meet their unique financial goals and concerns after the sale of their business. She works closely with clients on everything from advanced trust and estate planning to liquidity management, philanthropy, wealth education, family governance, and tax efficient strategies. With a keen focus on both the big picture and the finer details, Bailey helps clients navigate the complexities of transitioning from a founder running the business to an investor managing and growing their wealth.
Bailey holds Series 7 and 66 licenses and graduated Magna Cum Laude from the University of Southern California with a Bachelor of Arts degree. Before joining Morgan Stanley, she gained valuable experience working for a global news media conglomerate, which deepened her interest in the intersection of business and finance and ability to connect with individuals from all walks of life.
At her core, Bailey is passionate about helping others and approaches every client relationship with the same level of care and dedication she would offer her own family and friends.
Outside of work, Bailey enjoys playing guitar and piano, baking, reading, Pilates, and spending quality time with her family. She’s also an active volunteer in her community and church. Bailey resides in Los Angeles, CA, with her two dogs.
Bailey holds Series 7 and 66 licenses and graduated Magna Cum Laude from the University of Southern California with a Bachelor of Arts degree. Before joining Morgan Stanley, she gained valuable experience working for a global news media conglomerate, which deepened her interest in the intersection of business and finance and ability to connect with individuals from all walks of life.
At her core, Bailey is passionate about helping others and approaches every client relationship with the same level of care and dedication she would offer her own family and friends.
Outside of work, Bailey enjoys playing guitar and piano, baking, reading, Pilates, and spending quality time with her family. She’s also an active volunteer in her community and church. Bailey resides in Los Angeles, CA, with her two dogs.
Securities Agent: PR, IL, GA, DE, CT, IN, VA, TX, ME, CO, AZ, TN, OH, ID, WV, CA, WY, MI, HI, NV, NH, NE, MO, MD, IA, AL, SC, NY, NJ, DC, UT, PA, MA, WI, WA, NC, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 2587772
NMLS#: 2587772
About Alexandra Kennedy
Alex has 10 years of experience in financial services, most recently with Citi Wealth Management. She has broad experience in client relationship roles and will be engaging clients in the role of Client Service Associate.
About Nauman Aftab
Nauman is a Private Wealth Management Intern of The Manhattan Group at Morgan Stanley, focused exclusively on the wealth management needs of new clients. He is a graduate of Pennsylvania Western University, where he received his degree in Finance and Personal Financial Planning. He joined The Manhattan Group in August 2024 and previously interned at a Registered Investment Advisor. Nauman was also a member of the Pakistan national tennis team and represented the country in multiple international tournaments. In his free time, he enjoys playing tennis, trying out new restaurants, watching movies, and exploring new places
About Clara Puiggali
Clara is a Private Wealth Management Intern of the Manhattan Group at Morgan Stanley. Clara joined the Manhattan Group in January 2025 and is a junior at the NYU Stern School of Business where she is pursuing a BS in Business, Technology and Entrepreneurship. Prior to joining Morgan Stanley, Clara gained experience in venture capital and early-stage business development. Originally from San Francisco and currently residing in Manhattan, Clara enjoys exploring the city, going on long runs, and matcha cafe hunting.
Contact Oscar Cantu
Contact Vincent Sege
Contact David Sedrak
Contact Bailey Harrison
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
Forbes Best-In-State Wealth Advisors
Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24.
2
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
John Madigan
Planning Associate
About John Madigan
John Madigan is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. John provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Assumption University and received the Financial Planning Specialist® designation from the College for Financial Planning. John is originally from Holbrook, NY and still resides there.
He earned his undergraduate degree from Assumption University and received the Financial Planning Specialist® designation from the College for Financial Planning. John is originally from Holbrook, NY and still resides there.
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You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When 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.
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Managing Significant Wealth
- Investment Management
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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.
Private Wealth Management Podcast
Bringing you engaging stories and key insights surrounding the complexities associated with significant wealth, including:
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LISTEN | Passion Assets: Investing in Art
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1Morgan Stanley Smith Barney LLC and its affiliates and their employees (including Financial Advisors and Private Wealth Advisors) are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.
2Morgan 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
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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
2Morgan 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
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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)
