Craig C Miller, CIMA®
Managing Director, Wealth Management, Financial Advisor, Senior Investment Management Consultant, Alternative Investments Director
Phone:
(336) 750-7021(336) 750-7021
Industry Award WinnerOur Mission Statement
2023, 2024, 2025, and 2026 Forbes Best-In-State Wealth Management Team
Source: Forbes.com (Awarded 2023, 2024, 2025, 2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Source: Forbes.com (Awarded 2023, 2024, 2025, 2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
You’ve Built Something Significant. Now It Needs to Be Managed That Way.
Most high-earning professionals and business owners reach a point where their financial life becomes more complex than their current advisor is equipped to handle. Multiple income streams. A business with real valuation. Stock compensation. A growing estate. Tax exposure that’s quietly compounding year after year. That’s the moment people find us.
The Miller Group at Morgan Stanley serves as a financial resource for your family — a dedicated team focused on coordinating multiple dimensions of your wealth. We take a holistic approach to your financial life, including investment strategy, retirement income planning, estate and legacy planning strategies, tax-efficient investing, alternative investments, and lending solutions.
Our clients are mid- and late-career professionals, business owners, corporate executives, physicians and medical professionals, attorneys, families navigating a liquidity event or business sale, and multi-generational families across the Carolinas and beyond. They come to us seeking a comprehensive relationship to help manage their financial complexity, moving beyond simple transactions to a disciplined, wealth management process.
What Working With Us Actually Looks Like
We believe client communication should be structured and intentional. Every client meeting is organized around specific strategic pillars - such as — legacy and tax planning, retirement and income strategy, risk management, or year-end wealth transfer.
We collaborate with your CPA and estate attorney to help align your broader financial plan. Our process includes reviewing beneficiary designations, estate documents, insurance coverage, and retirement distributions. We look at your wealth through a disciplined lens, keeping your long-term financial objectives in mind.
Through Morgan Stanley’s institutional platform, we provide qualified clients access to a robust menu of alternative investment funds — including private equity, private credit, hedge funds, and real estate.
The Miller Group has been named a Forbes Best-In-State Wealth Management Team four consecutive years — 2023, 2024, 2025, and 2026.
Craig Miller brings nearly four decades of experience and holds the Certified Investment Management Analyst® (CIMA®) designation, with deep expertise in estate planning and alternative investments.
Sutton Miller was individually recognized as a Forbes America’s Top Next-Gen Best-In-State Wealth Advisor in 2025, and holds designations as an Alternative Investments Director and Financial Planning Specialist.
Our experienced client service team — Jill Johnson, Tami Rhyne, and Alexandra Loucas — strives to handle every interaction with our office with precision and care. Together, we bring decades of generational depth, specialized industry knowledge, and a genuine commitment to the families we serve.
2023-2026 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2025 Forbes America's Top Wealth Advisors & 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.
2025 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2025) Data compiled by SHOOK Research LLC for the period 3/31/24 - 3/31/25.
The Miller Group at Morgan Stanley serves as a financial resource for your family — a dedicated team focused on coordinating multiple dimensions of your wealth. We take a holistic approach to your financial life, including investment strategy, retirement income planning, estate and legacy planning strategies, tax-efficient investing, alternative investments, and lending solutions.
Our clients are mid- and late-career professionals, business owners, corporate executives, physicians and medical professionals, attorneys, families navigating a liquidity event or business sale, and multi-generational families across the Carolinas and beyond. They come to us seeking a comprehensive relationship to help manage their financial complexity, moving beyond simple transactions to a disciplined, wealth management process.
What Working With Us Actually Looks Like
We believe client communication should be structured and intentional. Every client meeting is organized around specific strategic pillars - such as — legacy and tax planning, retirement and income strategy, risk management, or year-end wealth transfer.
We collaborate with your CPA and estate attorney to help align your broader financial plan. Our process includes reviewing beneficiary designations, estate documents, insurance coverage, and retirement distributions. We look at your wealth through a disciplined lens, keeping your long-term financial objectives in mind.
Through Morgan Stanley’s institutional platform, we provide qualified clients access to a robust menu of alternative investment funds — including private equity, private credit, hedge funds, and real estate.
The Miller Group has been named a Forbes Best-In-State Wealth Management Team four consecutive years — 2023, 2024, 2025, and 2026.
Craig Miller brings nearly four decades of experience and holds the Certified Investment Management Analyst® (CIMA®) designation, with deep expertise in estate planning and alternative investments.
Sutton Miller was individually recognized as a Forbes America’s Top Next-Gen Best-In-State Wealth Advisor in 2025, and holds designations as an Alternative Investments Director and Financial Planning Specialist.
Our experienced client service team — Jill Johnson, Tami Rhyne, and Alexandra Loucas — strives to handle every interaction with our office with precision and care. Together, we bring decades of generational depth, specialized industry knowledge, and a genuine commitment to the families we serve.
2023-2026 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2025 Forbes America's Top Wealth Advisors & 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.
2025 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2025) Data compiled by SHOOK Research LLC for the period 3/31/24 - 3/31/25.
Services Include
- Wealth Consulting
- Alternative InvestmentsFootnote1
- Financial PlanningFootnote2
- Lending Products
- 401(k) Rollovers
- Corporate Trust Services
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Planning for Education FundingFootnote5
- Planning for Individuals with Special Needs
- Trust Services*
- 529 PlansFootnote6
- Asset Management
- Divorce Financial AnalysisFootnote7
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A Process Built Around You — Not a Template
Many advisory relationships follow the same playbook: open an account, build a model portfolio, send a quarterly statement, repeat. Our approach is designed to look at the broader picture.
Before we make recommendations, we seek to understand your complete financial situation. Your income. Your business. Your family. Your estate strategies. Your tax considerations. Your timeline. The goals you’ve talked about and the ones you haven’t put into words yet.
Our process is structured to be thorough and deliberate. Every step exists to help ensure that we design strategies and are accounting for your complete financial life, not just your assets.
Our clients tend to be individuals and families who navigate significant financial complexity - including multiple income sources, business ownership, and intricate estate needs. They often seek a team capable of handling these distinct moving parts with care and coordination. You'll find that our process isn’t a funnel, it’s the beginning of a long-term relationship.
We work with clients to address complex financial pain points, focusing on areas such as:
• “My advisor manages my investments, but nobody is managing my financial life.” We can assist on coordinating your broader financial life.
• “I know I’m paying too much in taxes, but I don’t have a real strategy.” We can collaborate with your CPA and define one.
• “I’ve heard about private markets but don’t know if they’re right for me.” We can educate you and help you evaluate if it makes sense for you.
• “My estate plan is outdated and I’m not sure my family is protected.” We review your current plan and assist you to identify any potential gaps.
• “I’m approaching a liquidity event and I have no idea what comes next.” We can assist you to manage through major transitions.
Before we make recommendations, we seek to understand your complete financial situation. Your income. Your business. Your family. Your estate strategies. Your tax considerations. Your timeline. The goals you’ve talked about and the ones you haven’t put into words yet.
Our process is structured to be thorough and deliberate. Every step exists to help ensure that we design strategies and are accounting for your complete financial life, not just your assets.
Our clients tend to be individuals and families who navigate significant financial complexity - including multiple income sources, business ownership, and intricate estate needs. They often seek a team capable of handling these distinct moving parts with care and coordination. You'll find that our process isn’t a funnel, it’s the beginning of a long-term relationship.
We work with clients to address complex financial pain points, focusing on areas such as:
• “My advisor manages my investments, but nobody is managing my financial life.” We can assist on coordinating your broader financial life.
• “I know I’m paying too much in taxes, but I don’t have a real strategy.” We can collaborate with your CPA and define one.
• “I’ve heard about private markets but don’t know if they’re right for me.” We can educate you and help you evaluate if it makes sense for you.
• “My estate plan is outdated and I’m not sure my family is protected.” We review your current plan and assist you to identify any potential gaps.
• “I’m approaching a liquidity event and I have no idea what comes next.” We can assist you to manage through major transitions.
1. Introductory Call
We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we all agree to move forward, we’ll schedule our next meeting and request important financial information.
2. Get to Know You Meeting
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We'll also review the documents you’ve prepared and define your priorities.
3. Analysis & Plan Development
Here, we utilize proprietary financial planning tools to develop a personalized and detailed plan with recommendations to help you grow, preserve, and transfer your wealth.
4. Implementation
In this step, we present appropriate strategies that are designed to work together to achieve your goals. Upon your approval, we open new accounts for you at Morgan Stanley and initiate our investment recommendations. We’ll also begin to implement other strategies we’ve discussed. These often encompass tax minimization strategies, as well as risk management and estate planning techniques.
5. Ongoing Service
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. As we begin to execute each strategy, we’ll set up tools so you have immediate access to your account information. And because markets and personal needs evolve over time, we set up ongoing meetings to ensure your plan remains on schedule to achieve your goals.
Awards & Community Involvement
The Miller Group believes in giving back to the communities we call home. One of the ways we do this is by participating in and supporting local charitable organizations:
The Miller Group named to 2023-2026 Forbes Best-in-State Wealth Management Teams
2023-2026 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (2023-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Press Release Forbes Magazine's List of Best-In-State Wealth Management TeamsSource: Forbes.com (2023-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Craig C. Miller named to 2025 Forbes Best-In-State Wealth Advisors
Forbes America's Top 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.
Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24.
Sutton C. Miller named to 2025 Forbes America’s Top Next-Gen Wealth Advisors Best-in-State
Forbes America’s Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2025) Data compiled by SHOOK Research LLC for the period 3/31/24 - 3/31/25.
Press Release Forbes Magazine's List of Top Next-Gen Wealth Advisors Best-In-StateSource: Forbes.com (Awarded Aug 2025) Data compiled by SHOOK Research LLC for the period 3/31/24 - 3/31/25.
In The News
We're honored to have our team featured in this publication. It was a great opportunity to reflect on our approach and the relationships that continue to shape what we do. We're grateful to the individuals and families we work with every day.
Read Here
Down Syndrome Association Greater Winston Salem
The Down Syndrome Association of Greater Winston-Salem is a nonprofit organization which provides support and information to parents of children and adults with Down syndrome in the Piedmont area.
Learn More
Young Life Forsyth County NC
Young Life is a mission devoted to introducing adolescents to Jesus Christ and helping them grow in their faith.
Learn MoreMODERN WEALTH MANAGEMENT TOOLS
Morgan Stanley pairs financial industry expertise with the latest technologies to offer best-in-class wealth resources to financial advisors and our clients. At The Miller Group, we regularly leverage the cutting-edge capabilities the firm provides in the areas of portfolio risk management, real-time financial plan tracking, retirement withdrawals, and AI-guided tax management to support successful outcomes for you and your family.
Morgan Stanley's comprehensive suite of digital resources has also been carefully designed to help enhance each aspect of your financial life. Learn about the many Modern Wealth Management resources we offer.
Morgan Stanley's comprehensive suite of digital resources has also been carefully designed to help enhance each aspect of your financial life. Learn about the many Modern Wealth Management resources we offer.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income. From simplified vehicles available more broadly to institutional strategies, the platform supports a goals-based approach for asset allocation tailored to investor needs.
Morgan Stanley Alternative Investments
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
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
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll Today
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential, manage unrealized gains and help keep more of what you earn.
Learn MorePrivate Investing
By leveraging Morgan Stanley’s extensive Investment Management platform, we can provide more opportunities for our clients to achieve their goals. As a leading provider of private investment strategies, Morgan Stanley's expertise spans across private equity, private credit, hedge funds and real estate.
The alternatives market has matured significantly in recent years, offering more structure and stability in its role as a portfolio diversifier. Today, with public markets historically concentrated, we believe private investments offer a more compelling risk/return profile for high-net-worth clients. But to do their job, alternative investments must be chosen carefully. The Miller Group conducts its own due diligence in conjunction with the dedicated alternatives manager research and access provided by Morgan Stanley to deliver custom alternative investment strategies with established track records and proven reputations.
The alternatives market has matured significantly in recent years, offering more structure and stability in its role as a portfolio diversifier. Today, with public markets historically concentrated, we believe private investments offer a more compelling risk/return profile for high-net-worth clients. But to do their job, alternative investments must be chosen carefully. The Miller Group conducts its own due diligence in conjunction with the dedicated alternatives manager research and access provided by Morgan Stanley to deliver custom alternative investment strategies with established track records and proven reputations.
Custom Multi Asset Solutions
Our expertise lies in managing custom alternative investment solutions that enable financial advisors to address the unique risk, return and liquidity objectives of their clients.
Learn More
Portfolio Diversification
We offer various private investment solutions, including private equity, private credit, hedge funds, real estate, and more. In addition to the lack of correlation to the public markets, another benefit of alternative investments is that they permit diversification across unique asset classes.
Learn MoreLocation
100 N Main St
Suite 2500
Winston Salem, NC 27101
US
Direct:
(336) 721-4950(336) 721-4950
Meet The Miller Group
Sutton C. Miller
First Vice President, Wealth Management, Financial Advisor, Alternative Investments Director, Financial Planning Specialist
Phone:
(336) 971-2878(336) 971-2878
Jill Johnson
Client Service Associate
Phone:
(336) 721-4950(336) 721-4950
Tami Rhyne
Team Administrator
Phone:
(336) 721-9211(336) 721-9211
Alexandra Loucas
Team Administrator
Phone:
(336) 721-9204(336) 721-9204
About Craig C Miller
Craig joined Smith Barney, a Morgan Stanley predecessor firm, in 1986. He has been part of the company since then. Craig is a Managing Director, a distinctive title reserved for Morgan Stanley employees with outstanding expertise and dedication to their profession. Craig is also a Senior Investment Management Consultant and Alternative Investments Director. He is a member of the Investment Management Consultants Association, holding the Certified Investment Management Analyst® (CIMA®) designation. Craig also received a Fundamentals of Alternative Investments® certificate from the Chartered Alternative Investment Analyst Association for attending training at the University of Pennsylvania’s Wharton Business School. Craig has also been recognized as a Forbes Best-In-State Wealth Advisor for 2025 and 2026. He constantly pursues continuing education in the alternative investments space so he can help clients better understand and allocate capital within the private markets. He also believes in the importance of estate planning and has been a member of the Winston-Salem Estate Planning Council since 2002.
Craig was born and raised in Lexington, NC and graduated from Lexington High School in 1978. He continued his education at Lenoir-Rhyne University, completing his B.A. in Political Science and minors in business and economics in 1982. Craig married his wife Janie in 1984, and they have four children together: Sutton, Megan, Greer, and Grace. Craig serves on Vinebranch, a charitable giving entity part of the Winston-Salem chapter of the New Canaan Society. The organization has also led him overseas to complete mission work. When not working, you can find Craig boating or spending time on the beach with his family and friends.
2025-2026 Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2025-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Craig was born and raised in Lexington, NC and graduated from Lexington High School in 1978. He continued his education at Lenoir-Rhyne University, completing his B.A. in Political Science and minors in business and economics in 1982. Craig married his wife Janie in 1984, and they have four children together: Sutton, Megan, Greer, and Grace. Craig serves on Vinebranch, a charitable giving entity part of the Winston-Salem chapter of the New Canaan Society. The organization has also led him overseas to complete mission work. When not working, you can find Craig boating or spending time on the beach with his family and friends.
2025-2026 Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2025-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: NE, VA, MD, KS, TN, NY, ME, AZ, AL, VT, LA, IN, OH, NM, NJ, NC, KY, IL, WA, MS, MA, ID, SC, OR, MN, CA, UT, TX, PA, MI, GA, FL, CO; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1262130
NMLS#: 1262130
About Sutton C. Miller
Most successful families reach a point where managing wealth becomes genuinely complex — and a traditional advisor relationship simply isn’t enough.
Sutton works with a select group of successful professionals, business owners, and multi-generational families across the Carolinas and beyond. His clients seek a comprehensive approach that coordinates multiple aspects of their financial life - including investments, retirement income, estate strategies, tax planning, and alternative investments. Sutton focuses on delivering thorough goal-oriented service.
He collaborates with with clients’ CPAs and estate attorneys, reviews beneficiary designations and helps structure retirement distributions, to ensure a disciplined planning process. His clients can expect proactive communication, structured agendas, and a team focused on long-term strategy.
Alternative investments and private markets are a particular area of depth for Sutton. He holds the Fundamentals of Alternative Investments® certificate from the CAIA Association and serves as an Alternative Investments Director — helping clients understand and access Morgan Stanley’s platform of 200+ alternative investment funds, spanning private equity, private credit, hedge funds, and real estate. He is also a Financial Planning Specialist.
In 2025, Sutton was individually recognized as a Forbes America’s Top Next-Gen Best-In-State Wealth Advisor. The Miller Group has been named a Forbes Best-In-State Wealth Management Team four consecutive years — 2023, 2024, 2025, and 2026.
Beyond the office, Sutton serves on the Winston-Salem Estate Planning Council and the board of the Down Syndrome Association of Greater Winston-Salem. He is a member of the Ole Miss Young Alumni Council and the St. John Foundation for Kids. He has completed mission work in Israel, Lebanon, South Africa, the UK, and Mexico.
Sutton lives in Winston-Salem with his wife Moriah and their two children, Bode and Evie. He earned a B.A. in Journalism from the University of Mississippi and remains a devoted Ole Miss football fan. When he’s not working, you’ll find him with his family, doing workouts, snow skiing, cycling, or cheering on the Rebels.
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2025) Data compiled by SHOOK Research LLC for the period 3/31/24 - 3/31/25.
Sutton works with a select group of successful professionals, business owners, and multi-generational families across the Carolinas and beyond. His clients seek a comprehensive approach that coordinates multiple aspects of their financial life - including investments, retirement income, estate strategies, tax planning, and alternative investments. Sutton focuses on delivering thorough goal-oriented service.
He collaborates with with clients’ CPAs and estate attorneys, reviews beneficiary designations and helps structure retirement distributions, to ensure a disciplined planning process. His clients can expect proactive communication, structured agendas, and a team focused on long-term strategy.
Alternative investments and private markets are a particular area of depth for Sutton. He holds the Fundamentals of Alternative Investments® certificate from the CAIA Association and serves as an Alternative Investments Director — helping clients understand and access Morgan Stanley’s platform of 200+ alternative investment funds, spanning private equity, private credit, hedge funds, and real estate. He is also a Financial Planning Specialist.
In 2025, Sutton was individually recognized as a Forbes America’s Top Next-Gen Best-In-State Wealth Advisor. The Miller Group has been named a Forbes Best-In-State Wealth Management Team four consecutive years — 2023, 2024, 2025, and 2026.
Beyond the office, Sutton serves on the Winston-Salem Estate Planning Council and the board of the Down Syndrome Association of Greater Winston-Salem. He is a member of the Ole Miss Young Alumni Council and the St. John Foundation for Kids. He has completed mission work in Israel, Lebanon, South Africa, the UK, and Mexico.
Sutton lives in Winston-Salem with his wife Moriah and their two children, Bode and Evie. He earned a B.A. in Journalism from the University of Mississippi and remains a devoted Ole Miss football fan. When he’s not working, you’ll find him with his family, doing workouts, snow skiing, cycling, or cheering on the Rebels.
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2025) Data compiled by SHOOK Research LLC for the period 3/31/24 - 3/31/25.
Securities Agent: OH, IN, UT, CO, MA, VT, KS, WA, TX, SC, PA, NC, MS, ME, VA, TN, KY, ID, NY, LA, CA, NJ, MI, MD, GA, FL, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1826755
NMLS#: 1826755
About Jill Johnson
Jill, originally from southwest Florida, began her tenure with Morgan Stanley in 2015. She joined The Miller Group in 2024 as a Client Service Associate. Jill coordinates daily operational and administrative activities, conducting client service by taking client requests and ensuring all questions are answered efficiently. It is her goal to go the extra mile in helping meet client needs and solve problems. Jill aims for each of her client interactions to give the person in question a feeling as though they have been cared for in a personalized way. She prides herself on being inventive and tireless when searching for solutions to client issues.
Jill graduated from Edison State College and began her financial services career with an independent firm, where she was the Director of Client Services. In search of a state with four seasons, Jill moved to North Carolina in 2016. She loves reading and spending time in the mountains with her husband and two dogs.
Jill graduated from Edison State College and began her financial services career with an independent firm, where she was the Director of Client Services. In search of a state with four seasons, Jill moved to North Carolina in 2016. She loves reading and spending time in the mountains with her husband and two dogs.
About Tami Rhyne
As a Team Administrator with the Miller Group at Morgan Stanley, Tami bring a diverse background in education and communication. She holds a Bachelor of Science in Art Marketing from Appalachian State University. Prior to joining Morgan Stanley, she spent eleven and a half years as an Adjunct Instructor in the Deaf Studies Minor Program at Winston Salem State University. A native of Winston Salem, Tami was raised in a Deaf family, with American Sign Language as her first language.
About Alexandra Loucas
Alex is a Team Administrator with the Miller Group at Morgan Stanley. In this role, Alex handles team marketing and branding, while also serving as the liaison with asset management partners and executing practice management tasks. She is a firm believer in the values of integrity, discipline, and hard work, which drive her thoughtful approach to delivering exceptional service.
Alex was born and raised in New York. She is currently an undergraduate at the University of North Carolina at Chapel Hill, where she is pursuing a B.S.B.A. in Business Administration with a dual major in Data Science. Outside of academics and work, Alex enjoys CrossFit, cooking, and exploring the great outdoors that North Carolina has to offer with her friends.
Alex was born and raised in New York. She is currently an undergraduate at the University of North Carolina at Chapel Hill, where she is pursuing a B.S.B.A. in Business Administration with a dual major in Data Science. Outside of academics and work, Alex enjoys CrossFit, cooking, and exploring the great outdoors that North Carolina has to offer with her friends.
Contact Craig C Miller
Contact Sutton C. Miller
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2023-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
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.
Forbes Top Next-Gen Wealth Advisors Best-In-State
Forbes Top Next-Gen Wealth Advisors Best-in-State Source: Forbes.com (Awarded Aug 2025) Data compiled by SHOOK Research LLC for the period 3/31/24 - 3/31/25.
3
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
Kristina Shifflett
Private Banker
Mason Kumiega
Planning Associate
Albert Garcia
Client Relationship Associate
About Kristina Shifflett
Kristina Shifflett is a Private Banker serving Morgan Stanley Wealth Management offices in North Carolina.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kristina began her career in financial services in 1995 and joined Morgan Stanley in 2005 as a Client Service Associate. Prior to joining the firm, she was an Operations Manager at Wachovia Securities.
Kristina lives in Raleigh, North Carolina with her dog Rosco. Outside of the office, she enjoys traveling, spending time with her children, puzzles, baking, gardening, reading, and crafting.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kristina began her career in financial services in 1995 and joined Morgan Stanley in 2005 as a Client Service Associate. Prior to joining the firm, she was an Operations Manager at Wachovia Securities.
Kristina lives in Raleigh, North Carolina with her dog Rosco. Outside of the office, she enjoys traveling, spending time with her children, puzzles, baking, gardening, reading, and crafting.
NMLS#: 1709833
About Mason Kumiega
Mason J. Kumiega 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. Mason 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.
Mason earned his undergraduate degree from the University of North Carolina’s Kenan-Flagler Business School and received the Financial Planning Specialist® designation from the College for Financial Planning. Mason is originally from Massachusetts and currently resides in the Atlanta, Georgia area.
Mason earned his undergraduate degree from the University of North Carolina’s Kenan-Flagler Business School and received the Financial Planning Specialist® designation from the College for Financial Planning. Mason is originally from Massachusetts and currently resides in the Atlanta, Georgia area.
About Albert Garcia
Albert Garcia is a Client Relationship Associate at Morgan Stanley providing dedicated support to Financial Advisors and their teams. Operating as an extension of the FA/Team, Albert collaborates with clients to discover how best to engage and enroll in the services available at Morgan Stanley during their onboarding journey, specifically cash management. Albert provides expertise across a wide suite of cash management offerings and is able to help open cash management accounts, assist with credit cards and provide education on the breadth of what Morgan Stanley has to offer in the cash management space.
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
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
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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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529 Plans: A Powerful Tool to Save for Education
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Iran Conflict: Seven Takeaways for Investors
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Financial Planning for Life After Selling a Business
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1Alternative 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.
2Morgan 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.
3When 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.
4Morgan 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
7Morgan 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.
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
2Morgan 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.
3When 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.
4Morgan 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
7Morgan 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.
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), 4763067 (9/2025)
