Terrance McGowan
Managing Director, Private Wealth Advisor, Family Wealth Director, Alternative Investments Director
Phone:
(202) 292-5411(202) 292-5411
Morgan Stanley Private Wealth Management
Terrance McGowan | Tim Moore
Direct:
(202) 292-5410(202) 292-5410
Industry Award WinnerOur Mission Statement
Our goal is to preserve and grow our clients’ financial, human and social capital so they may have the greatest impact today and for generations to come.
Our Clients
Our clients are “C-Suite” executives and entrepreneurs who have exceptional demands on their time. They look to us for an experienced perspective, access to world-class resources, and meticulous execution.
Simply stated, there is no substitute for experience. Our team has deep expertise in portfolio management, estate planning, pre-transaction planning, executive compensation, income tax minimization, family governance and other complexities facing our clients. We combine the vast resources of a global financial institution with the individualized attention of a boutique family office. We partner with our clients to steward their considerable wealth and collaborate with their other advisors to provide a comprehensive and seamless team approach.
Managing complex wealth is like running a company - you need a strategy to manage assets and mitigate risks. Bridging the gap between private wealth and investment management services, we work with owners and founders striving to accelerate growth and develop robust succession plans. We help manage the entire process by leveraging some of the best resources, research, and investment management resources in the industry.
Each client’s financial profile, personal situation and family dynamics are unique. We pride ourselves on our custom tailor approach to portfolios, planning suggestions and management.
Simply stated, there is no substitute for experience. Our team has deep expertise in portfolio management, estate planning, pre-transaction planning, executive compensation, income tax minimization, family governance and other complexities facing our clients. We combine the vast resources of a global financial institution with the individualized attention of a boutique family office. We partner with our clients to steward their considerable wealth and collaborate with their other advisors to provide a comprehensive and seamless team approach.
Managing complex wealth is like running a company - you need a strategy to manage assets and mitigate risks. Bridging the gap between private wealth and investment management services, we work with owners and founders striving to accelerate growth and develop robust succession plans. We help manage the entire process by leveraging some of the best resources, research, and investment management resources in the industry.
Each client’s financial profile, personal situation and family dynamics are unique. We pride ourselves on our custom tailor approach to portfolios, planning suggestions and management.
Capabilities
- Comprehensive Wealth Planning
- Pre-Liquidity Planning
- Hedging Strategies
- 10b5-(1) Programs
- Tailored LendingFootnote1
- Investment Management
- Proprietary Investment Opportunities
- Family Governance & Wealth Education
- Philanthropy Management
- Portfolio 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.
Specialized Planning Solutions
Complex wealth often requires coordinated planning across multiple areas of a client’s financial life. From executive compensation and business ownership to liquidity events, charitable giving and estate planning strategies, each decision can have implications for taxes, cash flow, investment strategy and long-term wealth management.
Our team helps clients approach these planning needs with clarity, structure and thoughtful coordination. We work with clients and their legal, tax and other professional advisors to help identify key considerations, align priorities and support the implementation of strategies aligned with each client’s specific objectives.
Our team helps clients approach these planning needs with clarity, structure and thoughtful coordination. We work with clients and their legal, tax and other professional advisors to help identify key considerations, align priorities and support the implementation of strategies aligned with each client’s specific objectives.
Concentrated Wealth and Risk Management
Concentrated wealth can create both opportunity and risk. Whether wealth is tied to company stock, a privately held business, real estate or other significant assets, we help clients evaluate diversification strategies, liquidity needs and risk management considerations within the context of their broader financial plan.
Liquidity and Cash Flow Planning
A business sale, recapitalization, IPO or other liquidity event can create significant planning opportunities and important deadlines. We help clients prepare for these events by reviewing cash flow needs, investment considerations, tax planning implications, estate planning opportunities and the integration of proceeds into a comprehensive wealth management strategy.
Business Succession Planning
For business owners, succession planning involves balancing personal financial goals, business continuity, ownership transition, liquidity needs and potential tax considerations. We help clients assess succession options in coordination with their legal, tax and business advisors, with a focus on connecting the transition strategy to the client’s broader financial plan.
Tax-Aware Planning Coordination
Tax considerations can influence many aspects of wealth planning, from investment decisions and charitable giving to business sales, estate planning and concentrated positions. While we do not provide tax advice, we work alongside clients’ tax professionals to help coordinate planning strategies and evaluate how tax considerations may affect broader wealth management decisions.
Trust and Estate Planning Strategies
Trust and estate planning can help clients define how assets may be managed, transferred and distributed over time. Working with a client’s estate planning professionals, we help review how trust structures, beneficiary considerations, asset allocation and liquidity needs may interact with the client’s overall wealth management strategy.
Philanthropic Planning
Charitable giving can be structured in a variety of ways depending on a client’s goals, time horizon and tax considerations. We help clients evaluate philanthropic strategies, charitable vehicles and giving approaches that may align with their broader financial and estate planning objectives.
Insights for Entrepreneurs
Navigate the entrepreneurial lifecycle with planning resources tailored to your current stage—founding, growth, strategic transition, and long-term legacy objectives. The materials below provide concise, practical frameworks to help prioritize the decisions, structuring considerations, and trade-offs most relevant to your next milestone.
Entrepreneur Brochure
Designed as an introduction, this brochure summarizes the key planning themes many entrepreneurs face—from building and protecting wealth to preparing for liquidity and long-term goals.
Read HereEntrepreneur Toolkit
Built as a practical toolkit, this set of materials helps structure a more comprehensive entrepreneur planning conversation across business decisions, personal finances, and family objectives.
Read HereExit Planning
If you are contemplating an exit from your business, there are a multitude of personal, business, tax, estate, and financial factors involved in making this important decision. The earlier you begin planning, the more options you may have for a successful exit.
This checklist can help guide you through the process of planning your exit.
Read HereThis checklist can help guide you through the process of planning your exit.
Family Wealth Education Center
Wealth can create opportunity, but it can also introduce important questions for families: How should we talk about money? How do we prepare the next generation? What values do we want our wealth to reflect? How can we make decisions together over time?
The Family Wealth Education Center is designed to help families begin those conversations with greater clarity and confidence. Rather than focusing on a specific transaction or planning event, these resources provide educational perspectives, discussion tools and governance concepts that may help families strengthen communication, define shared values and prepare future generations for responsible stewardship.
Whether your family is just beginning to discuss wealth or looking to formalize a more structured approach, the materials below can serve as a starting point for thoughtful dialogue.
Please review these Morgan Stanley resources and contact us if you would like to discuss how these concepts may fit into your family's broader planning conversations.
Start the Conversation
Opening Pandora's Box
Talking with children or family members about wealth can feel difficult, especially when parents are concerned about entitlement, motivation or family dynamics. This resource offers guidance on how to approach wealth conversations in a constructive way and create space for open, productive dialogue.
Define What Matters
Sample Family Mission StatementA family mission statement can help capture the values, priorities and purpose that guide a family's approach to wealth. This sample is intended to help families begin thinking about the principles they want to communicate across generations.
Create Structure Around Decision-Making
Family Governance Fact SheetFamily governance provides a framework for communication, decision-making and shared responsibility. This overview introduces key governance concepts and explains how families may begin creating structure around wealth, legacy and long-term planning.
Formalize the Framework
Family Constitution and Family Bylaws
Family constitutions and bylaws can help document expectations, roles, responsibilities and decision-making processes. Learn how these governance documents may support a more organized and durable approach to family wealth planning.
Prepare the Next Generation
Wealth Education Development PlanEffective stewardship often requires education, preparation and ongoing engagement. This resource outlines topics that may help family members build financial awareness, understand responsibilities and participate more confidently in family wealth conversations.
Location
1747 Pennsylvania Ave NW
Ste 700
Washington, DC 20006
US
Direct:
(202) 292-5410(202) 292-5410
Meet Terrance McGowan | Tim Moore
Tim Moore
Managing Director, Private Wealth Advisor, Family Wealth Director, Alternative Investments Director
Phone:
(202) 292-5410(202) 292-5410
Sabrina Van Straten
Vice President, Investment Consultant
Phone:
(202) 292-5401(202) 292-5401
Erin Turner
First Vice President, Group Director, Wealth Management Associate
Phone:
(202) 292-5412(202) 292-5412
Conor McCusker
Private Wealth Management Team Associate
Phone:
(202) 292-5371(202) 292-5371
Kate Gallo, CIMA, QPFC*
Wealth Management Associate
Phone:
(202) 292-5331(202) 292-5331
About Terrance McGowan
Drawing on over 30 years of experience working with ultra high net worth families, Terrance McGowan addresses the complex investment and wealth management challenges encountered by public and private company executives and nonprofit organizations. Terrance’s focus areas include pre-M&A and IPO personal planning, diversification of concentrated equity positions, trust and wealth transfer planning, tactical asset allocation, and alternative investment selection including ESG/SRI and Impact Investment strategies. He joined Morgan Stanley’s Private Wealth Management Division from Goldman Sachs, where he was a private client advisor for 12 years. Prior to Goldman Sachs, Terrance represented JP Morgan, Credit Suisse, and Bank of America Merrill Lynch in Washington, D.C. and New York.
Terrance graduated from the University of Vermont with a B.S. in resource economics. He is currently on the Board of Signature Theater in Arlington, Virginia and is the former Chairman of the Network for Teaching Entrepreneurship-Greater Washington (NFTE).
Terrance graduated from the University of Vermont with a B.S. in resource economics. He is currently on the Board of Signature Theater in Arlington, Virginia and is the former Chairman of the Network for Teaching Entrepreneurship-Greater Washington (NFTE).
Securities Agent: OR, CT, VI, AL, OH, GA, WA, SC, NJ, MD, FL, VT, IL, CA, VA, PR, DC, AR, TX, PA, NY, NM, NH, NC, MT, MO, IN, DE, WI, MI, ME, CO, UT, WV, TN, NV, MA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1684364
NMLS#: 1684364
About Tim Moore
Tim Moore is a Managing Director within Morgan Stanley Private Wealth Management. Drawing upon 25+ years of experience, Tim provides comprehensive advice to ultra-high net worth client families in the areas of strategic and tactical asset allocation, portfolio implementation, diversification strategies for concentrated positions and wealth transfer and charitable planning strategies. Prior to joining Morgan Stanley, Tim represented Goldman Sachs Private Wealth Management for 12 years and The Private Bank at Bank of America for 11 years.
Tim serves on the board of directors of Family Reach, a non-profit organization dedicated to alleviating the financial burden of cancer. He is a former President and board member for the Association for Corporate Growth (ACG) National Capital Region, a leading authority on corporate growth. Tim previously served as Chairman and board member for JUST TRYAN IT, a charity that provides financial assistance to families with a child in cancer treatment.
Tim graduated from Middle Tennessee State University with a BBA in Finance. Tim and his wife, Amy, live in Potomac, Maryland, with their two children. He is an avid runner, cyclist and triathlete.
Tim serves on the board of directors of Family Reach, a non-profit organization dedicated to alleviating the financial burden of cancer. He is a former President and board member for the Association for Corporate Growth (ACG) National Capital Region, a leading authority on corporate growth. Tim previously served as Chairman and board member for JUST TRYAN IT, a charity that provides financial assistance to families with a child in cancer treatment.
Tim graduated from Middle Tennessee State University with a BBA in Finance. Tim and his wife, Amy, live in Potomac, Maryland, with their two children. He is an avid runner, cyclist and triathlete.
Securities Agent: CA, NJ, NC, GA, CO, VI, PA, ME, DE, CT, AL, WI, TN, OR, MA, IN, DC, NH, NV, TX, SC, PR, IL, WV, VT, MT, MO, FL, AR, VA, OH, UT, WA, NY, NM, MI, MD; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1657692
NMLS#: 1657692
About Sabrina Van Straten
Sabrina serves as the Director of Investments and is responsible for the development of client target asset allocation models and oversight of investment manager implementation, portfolio rebalancing and performance reporting metrics. She has over fifteen years of experience in the investment industry focused on asset allocation and manager due diligence across public and private investments. She began her career in New York City, selecting alternative investments for HSBC’s International Private Banking division and Robeco Investment Management’s hedge fund-of-funds. Sabrina later worked with high-net-worth clients, trusts and multigenerational families at Comerica Wealth Management in Dallas. As a senior investment strategist, she created customized investment portfolios designed for sophisticated wealth objectives with manageable risks.
Sabrina has a master’s degree in international economics from the Johns Hopkins University SAIS in Washington, DC and she lives with her husband and two children in Arlington, Virginia. She previously volunteered as a member of the Finance Committee for the Texas Women’s Foundation, an organization dedicated to the economic advancement of women and girls. Sabrina is currently an active volunteer with the Girl Scouts in northern Virginia. She also enjoys visiting other countries and lived in Europe for several years.
Sabrina has a master’s degree in international economics from the Johns Hopkins University SAIS in Washington, DC and she lives with her husband and two children in Arlington, Virginia. She previously volunteered as a member of the Finance Committee for the Texas Women’s Foundation, an organization dedicated to the economic advancement of women and girls. Sabrina is currently an active volunteer with the Girl Scouts in northern Virginia. She also enjoys visiting other countries and lived in Europe for several years.
About Erin Turner
Erin brings nearly 20 years of experience in private wealth management. She began her career at Goldman Sachs, spending nearly a decade working alongside Tim and Terrance before the team joined Morgan Stanley Private Wealth Management in 2017.
As our Group Director, Erin designs and oversees our high-touch client service model. She leads key initiatives to enhance efficiency and elevate each client’s experience, while also helping to shape and execute the team’s broader business strategy. Erin earned her Bachelor of Business Administration in Finance and International Business from The George Washington University.
She lives in Potomac, Maryland, with her husband, son, and dog. Outside of work, Erin and her husband share a passion for cooking, entertaining, and traveling with family and friends.
As our Group Director, Erin designs and oversees our high-touch client service model. She leads key initiatives to enhance efficiency and elevate each client’s experience, while also helping to shape and execute the team’s broader business strategy. Erin earned her Bachelor of Business Administration in Finance and International Business from The George Washington University.
She lives in Potomac, Maryland, with her husband, son, and dog. Outside of work, Erin and her husband share a passion for cooking, entertaining, and traveling with family and friends.
About Conor McCusker
Conor joined the firm’s Wealth Management Rotational Analyst Program in 2023, spending two years focused on financial planning, risk management, banking capabilities, and investment due diligence. While in New York at the wealth management headquarters and alongside the firm’s global leadership, he gained exposure to senior decision makers and leading teams across the division. After completing the Rotational Analyst Program, he chose to move to Washington, D.C, where he is joining our team.
Conor earned his Bachelor’s degree at Bucknell University, where he was a four-year player and senior captain of the Division I Men’s Lacrosse Team. He has also gone on to earn his Master’s degree in finance from Georgetown University’s McDonough School of Business. When Conor is not in the office, he enjoys hunting, reading, and cheering on his Green Bay Packers, of which he is a shareholder.
Conor earned his Bachelor’s degree at Bucknell University, where he was a four-year player and senior captain of the Division I Men’s Lacrosse Team. He has also gone on to earn his Master’s degree in finance from Georgetown University’s McDonough School of Business. When Conor is not in the office, he enjoys hunting, reading, and cheering on his Green Bay Packers, of which he is a shareholder.
Securities Agent: MO, AZ, VT, RI, OH, IL, ID, IA, CA, TX, NM, MN, KS, OR, NV, GA, AK, NE, CO, AL, WY, NC, DC, AR, TN, OK, NJ, MT, MD, DE, VA, MA, VI, SC, PA, IN, CT, WV, UT, NY, ND, MS, MI, LA, HI, WI, WA, SD, PR, NH, ME, KY, FL; General Securities Representative; Investment Advisor Representative
About Kate Gallo
Kate Gallo, CIMA, QPFC*
Wealth Management Associate
Kate Gallo joins our team as a Wealth Management Associate and she will replace Jasmine Isreal who is transitioning to another role. Kate began her career at Morgan Stanley back in 2017 after graduating with honors from Gettysburg College, earning a degree in Economics with minors in Business and Philosophy. She spent her first eight years with the firm on the Three Oaks Wealth Management team in Rockville, MD. Kate holds both the CIMA® (Certified Investment Management Analyst) and QPFC (Qualified Plan Financial Consultant) designations.
A native of Haddonfield, NJ, Kate now lives in Washington DC’s Navy Yard neighborhood with her boyfriend, Andrew, and her French bulldog, Moo. She enjoys getting outside and making the most of city life with friends and family. Although, in this time of the year, you can find her spending more time than she’d like to admit in front of a TV following the Philadelphia Eagles and the Georgia Bulldogs.
*Disclaimer: This role cannot solicit or provide investment advice.
Wealth Management Associate
Kate Gallo joins our team as a Wealth Management Associate and she will replace Jasmine Isreal who is transitioning to another role. Kate began her career at Morgan Stanley back in 2017 after graduating with honors from Gettysburg College, earning a degree in Economics with minors in Business and Philosophy. She spent her first eight years with the firm on the Three Oaks Wealth Management team in Rockville, MD. Kate holds both the CIMA® (Certified Investment Management Analyst) and QPFC (Qualified Plan Financial Consultant) designations.
A native of Haddonfield, NJ, Kate now lives in Washington DC’s Navy Yard neighborhood with her boyfriend, Andrew, and her French bulldog, Moo. She enjoys getting outside and making the most of city life with friends and family. Although, in this time of the year, you can find her spending more time than she’d like to admit in front of a TV following the Philadelphia Eagles and the Georgia Bulldogs.
*Disclaimer: This role cannot solicit or provide investment advice.
Contact Terrance McGowan
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Contact Tim Moore
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Awards and Recognition
Barron's Top 1,500 Financial Advisors: State-by-State
Barron's Top 1,500 Financial Advisors: State-by-State Source: barrons.com (Awarded Mar 2026) Data compiled by Barron's for the period October 2024 - September 2025.
Private Wealth Management
Professional Insights
On the Markets
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
PWM Leadership Insights & Outcomes
Article Image
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:
- Intergenerational Planning
- Philanthropic Giving
- Non-Traditional Assets
- Managing Family Wealth
We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
1Tailored Lending is a loan/line of credit product offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. A Tailored Lending credit facility may be a committed or demand loan/line of credit. All Tailored Lending loans/lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Tailored Lending loans/lines of credit may not be available in all locations. Rates, terms, and programs are subject to change without notice. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is a Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. The proceeds from a Tailored Lending loan/line of credit (including draws and other advances) may not be used to purchase, trade, or carry margin stock; repay margin debt that was used to purchase, trade, or carry margin stock; and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
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 4677197 (7/2025)
