Senior Vice President, Financial Advisor, Senior Portfolio Management Director
Phone:
(516) 683-3172(516) 683-3172
The Modern Heritage Group at Morgan Stanley
Our Mission Statement
Redefining the High-Net-Worth Wealth Management experience with innovation and care, aiming to protect legacies and empower generational success.
MEET THE MODERN HERITAGE GROUP
The Modern Heritage Group works closely with uniquely successful individuals and families as they face increased complexity through all phases of life.
Drawing on over a century of experience in the financial services industry, we use our extensive knowledge and coordinate with all of the clients' trusted advisors to address the complexities High Net Worth individuals face including Financial Planning, Asset Management, Retirement Planning, Wealth Planning, & Asset Preservation Strategies.
Drawing on over a century of experience in the financial services industry, we use our extensive knowledge and coordinate with all of the clients' trusted advisors to address the complexities High Net Worth individuals face including Financial Planning, Asset Management, Retirement Planning, Wealth Planning, & Asset Preservation Strategies.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Asset Management
- Professional Portfolio ManagementFootnote3
- Sustainable InvestingFootnote4
- Alternative InvestmentsFootnote5
- Retirement PlanningFootnote6
- Wealth PlanningFootnote7
- Estate Planning StrategiesFootnote8
- Trust ServicesFootnote9
- Philanthropic ManagementFootnote10
- Life InsuranceFootnote11
- Cash Management and Lending ProductsFootnote12
- Corporate Retirement PlansFootnote13
- Corporate Pension Plans
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WORKING WITH YOU: OUR SIX-STEP PROCESS
To create a comprehensive, goals-based wealth management plan for each client, we follow a rigorous yet flexible six-step process.
Step 1: Introductory Meeting
We begin with an initial conversation to learn more about you, define what's important to you and understand your overall future goals.
Step 2: Discovery Meeting
While every client situation is unique, we begin by learning about you, your family and your financial complexities. This step allows us to formulate specific strategies, and to customize the entire relationship.
Step 3: Formulation of Your Tax, Trust and Estate Strategy
After reviewing your balance sheet and existing estate plan, we help analyze your income and estate tax circumstances to identify planning techniques that may be effectively tailored to your personal and financial objectives. We work closely with your tax and legal advisors during this step and on an ongoing basis.
Step 4: Financial Plan Presentation
We then present a refined financial plan tailored to you using a holistic approach by factoring in tax, legal and risk considerations. This road map helps us to identify opportunities to enhance your existing financial affairs so that you live the best life possible while preserving your legacy.
Step 5: Implementation of a Customized Wealth Strategy
After comprehensive due-diligence and extensive analysis of expected results across a range of scenarios, investment strategies from our global investment platform can be leveraged to create your portfolio. This process can help create the most efficient balance of risk and return for your specific strategy.
Step 6: Ongoing Assessment of Your Family's Wealth Management Needs
Coordinating with you and your other advisors, we can conduct ongoing reviews and comprehensive reporting to help ensure that your strategy adapts to changing financial and family needs.
Guidance for Life's Important Financial Decisions
Retirement Guide
Build a strategy for the retirement you envision. Explore insights on saving, income planning, and key decisions that can help support your long-term goals.
Social Security Guide
Learn the basics of Social Security and the factors that can influence your benefits. Explore the resources to help you make more informed claiming decisions.
Tax Planning Guide
Taxes can play an important role in your overall financial plan. Discover strategies and considerations that may help improve tax efficiency over time.
Estate Planning Guide
Help to protect what matters most and prepare for the future. Learn about estate planning essentials that can help support your legacy and loved ones.
Medicare Guide
Understanding Medicare can be complex. Explore this educational resource to help you navigate coverage options, enrollment timelines, and healthcare planning.
401(k) Guide
Help to make the most of your workplace retirement savings opportunities. Learn about contribution strategies, investment considerations, and rollover options.
Business Owners Guide
Running a business comes with unique financial opportunities and challenges. Explore insights on succession planning, retirement strategies, and business growth considerations.
CLIENT RESOURCES
There are many ways our clients can take advantage of simplifying and streamlining their financial lives, the following are a few ways to get started:
If you have any questions, please feel free to reach out to:
Kaylee B. McFadzen | O: 516-683-3153 | E: Kaylee.McFadzen@MorganStanley.com
or
Kathleen C. Pozarycki | O: 516-683-3241 | E: Kathleen.Pozarycki@MorganStanley.com
or
Gina M. Occhipinti | O: 516-683-3129 | E: Gina.Occhipinti@MorganStanley.com
If you have any questions, please feel free to reach out to:
Kaylee B. McFadzen | O: 516-683-3153 | E: Kaylee.McFadzen@MorganStanley.com
or
Kathleen C. Pozarycki | O: 516-683-3241 | E: Kathleen.Pozarycki@MorganStanley.com
or
Gina M. Occhipinti | O: 516-683-3129 | E: Gina.Occhipinti@MorganStanley.com
Morgan Stanley Online & Mobile App
Enjoy the freedom to manage your wealth on your own devices while collaborating with our team.
*For additional support 24/7 please call 866-324-6088
Log In Here*For additional support 24/7 please call 866-324-6088
Total Wealth View
Fully integrate your internal and external accounts directly within Morgan Stanley Online.
*For additional support 24/7 please call 866-324-6088
Learn More*For additional support 24/7 please call 866-324-6088
eDelivery
View statements, trade confirmations, tax documents, portfolio reports and more through Morgan Stanley Online.
*For additional support 24/7 please call 866-324-6088
Learn More*For additional support 24/7 please call 866-324-6088
Digital Vault
Secure way to upload and store financial documents online and share with our team.
*For additional support 24/7 please call 866-324-6088
Learn More*For additional support 24/7 please call 866-324-6088
eSign
Securely access and sign paperwork from any computer or mobile device.
*For additional support 24/7 please call 866-324-6088
Learn More*For additional support 24/7 please call 866-324-6088
eAuthorizations
Electronically authorize outgoing wires, internal transfers or checks through Morgan Stanley Online.
*For additional support 24/7 please call 866-324-6088
Learn More*For additional support 24/7 please call 866-324-6088
Mobile Deposits
Scan and deposit checks from your mobile device and get some of the industry's highest deposit limits.
*For additional support 24/7 please call 866-324-6088
Learn More*For additional support 24/7 please call 866-324-6088
Online Transfers
Seamlessly transfer funds between your Morgan Stanley accounts and outside financial institutions.
*For additional support 24/7 please call 866-324-6088
Learn More*For additional support 24/7 please call 866-324-6088
Bill Payments
Use online payments to pay bills or invoices individually or via recurring payments.
*For additional support 24/7 please call 866-324-6088
Learn More*For additional support 24/7 please call 866-324-6088
Spending & Budgeting
Monitor spending, categorize expenses and create custom budgets across all your accounts.
*For additional support 24/7 please call 866-324-6088
Learn More*For additional support 24/7 please call 866-324-6088
Send Money with Zelle®
Seamlessly send & receive money with family and friends.
*For additional support 24/7 please call 866-324-6088
Learn More*For additional support 24/7 please call 866-324-6088
Cybersecurity & Fraud Prevention
How Morgan Stanley helps protect you.
*Report an online security concern 24/7 at 888-454-3965
Learn More*Report an online security concern 24/7 at 888-454-3965
Multi-Factor Authentication
Multi-Factor Authentication provides additional verification.
*For additional support 24/7 please call 866-324-6088
Learn More*For additional support 24/7 please call 866-324-6088
Third Party User
Provide others view-only access to your online account.
*For additional support 24/7 please call 866-324-6088
*For additional support 24/7 please call 866-324-6088
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program for eligible clients* designed to enhance your lifestyle and go beyond wealth management.
*For additional support 24/7 please call 877-799-6772
Learn More*For additional support 24/7 please call 877-799-6772
Morgan Stanley CashPlus: A Modern Alternative to Banking
With a CashPlus account, exclusively for Morgan Stanley clients, you can manage your cash and get more value, more protection and a seamless digital experience.
Learn More
Family Assist
We know how difficult losing a loved one can be. At Morgan Stanley, we are here to help you navigate the decisions to be made following the death of your spouse or other family member.
Experience, Knowledge and Commitment
Our team is committed to ongoing professional development and industry excellence. The credentials and designations featured below reflect specialized training and a dedication to helping clients navigate important financial decisions with confidence.
CFP® - CERTIFIED FINANCIAL PLANNER™
• Peter R. Knowles
CERTIFIED FINANCIAL PLANNER™ certification is the standard for financial planning. CFP® professionals meet rigorous education, training and ethical standards, and are committed to serving their clients' best interests today to prepare them for a more secure tomorrow.
CERTIFIED FINANCIAL PLANNER™ certification is the standard for financial planning. CFP® professionals meet rigorous education, training and ethical standards, and are committed to serving their clients' best interests today to prepare them for a more secure tomorrow.
CRPC® - Chartered Retirement Planning Counselor®
• Charles P. Eschmann
The Chartered Retirement Planning Counselor® is a credential awarded by the College for Financial Planning for financial professionals who are focused on retirement planning for individuals, define a “road map to retirement.” There is a focus on clients’ pre- and post-retirement needs, as well as issues related to asset management and estate planning.
The Chartered Retirement Planning Counselor® is a credential awarded by the College for Financial Planning for financial professionals who are focused on retirement planning for individuals, define a “road map to retirement.” There is a focus on clients’ pre- and post-retirement needs, as well as issues related to asset management and estate planning.
QPFC - Qualified Plan Financial Consultant
• John Kiffel
The Qualified Plan Financial Consultant is a credential awarded by the National Association of Plan Advisors for financial professionals who support qualified retirement plans.
The Qualified Plan Financial Consultant is a credential awarded by the National Association of Plan Advisors for financial professionals who support qualified retirement plans.
Financial Planning Specialist
• Dean B. Gregory
Highly selective designation awarded to advisors based on strong compliance record and suitable investment discipline allowing for the design and implementation of financial planning strategies with clients.
Highly selective designation awarded to advisors based on strong compliance record and suitable investment discipline allowing for the design and implementation of financial planning strategies with clients.
Senior Portfolio Management Director
• Charles P. Eschmann
Highly selective designation awarded to advisors based on strong compliance record and suitable investment discipline allowing for the design and implementation of discretionary portfolio management strategies with clients.
Highly selective designation awarded to advisors based on strong compliance record and suitable investment discipline allowing for the design and implementation of discretionary portfolio management strategies with clients.
Portfolio Management Director
• John Kiffel
• Dean B. Gregory
The Portfolio Management Director designation recognizes Financial Advisors who have demonstrated experience and knowledge in developing and managing investment portfolios. Advisors who hold this designation have met specific requirements related to portfolio management and are qualified to offer discretionary investment management services through approved programs.
• Dean B. Gregory
The Portfolio Management Director designation recognizes Financial Advisors who have demonstrated experience and knowledge in developing and managing investment portfolios. Advisors who hold this designation have met specific requirements related to portfolio management and are qualified to offer discretionary investment management services through approved programs.
Senior Portfolio Manager
• Peter R. Knowles
The Senior Portfolio Manager designation recognizes Financial Advisors who have demonstrated advanced experience in portfolio construction, investment selection and ongoing portfolio oversight. Advisors holding this designation are authorized to manage client portfolios and provide customized investment strategies tailored to individual goals, risk tolerance and long-term objectives.
The Senior Portfolio Manager designation recognizes Financial Advisors who have demonstrated advanced experience in portfolio construction, investment selection and ongoing portfolio oversight. Advisors holding this designation are authorized to manage client portfolios and provide customized investment strategies tailored to individual goals, risk tolerance and long-term objectives.
Location
1200 Franklin Avenue 2nd
Fl
Garden City, NY 11530
US
Direct:
(516) 683-3153(516) 683-3153
Meet The Modern Heritage Group
Phone:
(516) 683-3116(516) 683-3116
Senior Vice President, Financial Advisor, Portfolio Management Director, Financial Planning Specialist
Phone:
(516) 683-3148(516) 683-3148
First Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Senior Portfolio Manager
Phone:
(516) 683-3125(516) 683-3125
Financial Advisor, Financial Planning Specialist, Workplace Advisor - Equity Compensation
Phone:
(516) 683-3175(516) 683-3175
Kaylee B. McFadzen
Portfolio Associate
Phone:
(516) 683-3153(516) 683-3153
Kathleen C. Pozarycki
Registered Client Service Associate
Phone:
(516) 683-3241(516) 683-3241
Gina M. Occhipinti
Client Service Associate
Phone:
(516) 683-3129(516) 683-3129
About Charles P. Eschmann
Charles P. Eschmann is a Senior Vice President, Senior Portfolio Management Director and Financial Advisor with Morgan Stanley in Garden City. Charlie holds the designation of Chartered Retirement Planning Consultant, CRPC® from the College of Financial Planning. He has over 36 years experience helping clients and their families manage all aspects of their financial lives. Charlie works closely with each client to develop a comprehensive investment plan designed to meet their needs and goals. Charlie works hand in hand with each client's attorney and tax advisor.
Charlie graduated from Villanova University in 1987. He was a Senior Financial Advisor with Merrill Lynch in Garden City for over 26 years before joining Morgan Stanley in 2013.
Charlie and his wife Jean live in Garden City. They have 4 children and are very involved in the community.
Charlie graduated from Villanova University in 1987. He was a Senior Financial Advisor with Merrill Lynch in Garden City for over 26 years before joining Morgan Stanley in 2013.
Charlie and his wife Jean live in Garden City. They have 4 children and are very involved in the community.
Securities Agent: MO, AZ, TN, DC, PA, TX, NV, MI, ME, NY, OR, VA, WA, WI, OH, WY, MA, AL, KS, MN, VI, CA, NC, IA, CT, AR, NH, NJ, RI, SC, VT, CO, HI, IL, MD, DE, FL, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 579239
NMLS#: 579239
About John Kiffel
John Kiffel is a founding partner of The Modern Heritage Group at Morgan Stanley. With over 38 years of experience working with successful individuals, families and business leaders, John is responsible for leading the Retirement Income Planning, Asset Allocation and Qualified Planning team experience.
John is a Senior Vice President, Financial Advisor. In recognition of his dedication to providing customized portfolio advice, he has earned the Portfolio Management Director designation. He also holds the Qualified Plan Retirement Consultant® designation demonstrating his commitment to providing retirement planning advice to individuals and business owners.
Prior to joining Morgan Stanley in 2009, John worked at UBS Financial Services and Shearson Lehman Brothers where he began his career in 1985.
John was the head coach for the basketball team at Our Lady of Mercy Academy from 2010 through 2015. John was named NSCHSGAA Coach of the Year in 2015.
John and his family live on Long Island, where he is active in his community. When he’s unplugged, he enjoys reading, golfing, travelling and training on his Peloton.
John is a Senior Vice President, Financial Advisor. In recognition of his dedication to providing customized portfolio advice, he has earned the Portfolio Management Director designation. He also holds the Qualified Plan Retirement Consultant® designation demonstrating his commitment to providing retirement planning advice to individuals and business owners.
Prior to joining Morgan Stanley in 2009, John worked at UBS Financial Services and Shearson Lehman Brothers where he began his career in 1985.
John was the head coach for the basketball team at Our Lady of Mercy Academy from 2010 through 2015. John was named NSCHSGAA Coach of the Year in 2015.
John and his family live on Long Island, where he is active in his community. When he’s unplugged, he enjoys reading, golfing, travelling and training on his Peloton.
Securities Agent: NC, AR, HI, IL, NH, WI, MN, ME, CO, VI, VT, TN, OR, OH, MA, DC, NJ, DE, AZ, TX, MO, MD, CA, IA, NY, RI, VA, WA, MI, NV, AL, FL, GA, PA, CT, KS, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1253164
NMLS#: 1253164
About Dean B. Gregory
Dean B. Gregory is a founding partner of The Modern Heritage Group at Morgan Stanley. With over 25 years of experience working with successful individuals, families and business leaders, Dean is responsible for leading the Financial Planning and Asset Protection Planning team experience.
Dean is a Senior Vice President, Financial Advisor. In recognition of his dedication to providing personalized portfolio advice, he has earned the Portfolio Management Director designation. He also holds the Certified in Long-Term Care® designation demonstrating his commitment to “extended care” planning.
Prior to joining Morgan Stanley in 2009, Dean worked at UBS Financial Services where he began his career in 1996.
Dean became an Eagle Scout in 1995 and remains active in the National Eagle Scout Association. Giving back is also very important to Dean as he volunteers his time fundraising to grant wishes for children with terminal or life-threatening illnesses through the Marty Lyons Foundation. He is also proud to have sat on the general board of directors for two years and was a co-founder of the Young Professional’s Committee in Manhattan.
Dean and his family live on Long Island, where he is active in his community. When he’s unplugged, he enjoys reading, cycling, swimming, playing tennis, golf and travelling.
Dean is a Senior Vice President, Financial Advisor. In recognition of his dedication to providing personalized portfolio advice, he has earned the Portfolio Management Director designation. He also holds the Certified in Long-Term Care® designation demonstrating his commitment to “extended care” planning.
Prior to joining Morgan Stanley in 2009, Dean worked at UBS Financial Services where he began his career in 1996.
Dean became an Eagle Scout in 1995 and remains active in the National Eagle Scout Association. Giving back is also very important to Dean as he volunteers his time fundraising to grant wishes for children with terminal or life-threatening illnesses through the Marty Lyons Foundation. He is also proud to have sat on the general board of directors for two years and was a co-founder of the Young Professional’s Committee in Manhattan.
Dean and his family live on Long Island, where he is active in his community. When he’s unplugged, he enjoys reading, cycling, swimming, playing tennis, golf and travelling.
Securities Agent: CA, MA, MS, RI, HI, CT, CO, WA, VA, MN, MI, ME, IL, FL, AZ, VT, OR, KS, IA, GA, OH, DC, AR, TX, SC, WI, NV, NJ, NC, DE, AL, NM, VI, TN, NH, MO, PA, NY, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1255753
NMLS#: 1255753
About Peter Knowles
Peter R. Knowles is a First Vice President, Senior Portfolio Manager and Financial Advisor at Morgan Stanley and a partner of The Modern Heritage Group in Garden City, NY. He began his career at Merrill Lynch after graduation from Fairleigh Dickinson University where he was Captain of the Men’s Lacrosse Team. At Merrill Lynch, he served high net worth clients to create financial plans and strategies.
Peter is a CERTIFIED FINANCIAL PLANNER™ and he has been a guest on the New York Stock Exchange and NASDAQ to discuss his team’s and Morgan Stanley’s opinions on the current markets.
Peter resides on Long Island, NY with his wife, who is Chair of a local high school Science Department, and their three daughters. He is active in many organizations including Fairleigh Dickinson Alumni Association, Board Member of The Jillian E. Daly Foundation, and Bulls Men’s Lacrosse Club. On weekends he enjoys spending time with his family playing golf, fishing, skiing and travel.
Peter is a CERTIFIED FINANCIAL PLANNER™ and he has been a guest on the New York Stock Exchange and NASDAQ to discuss his team’s and Morgan Stanley’s opinions on the current markets.
Peter resides on Long Island, NY with his wife, who is Chair of a local high school Science Department, and their three daughters. He is active in many organizations including Fairleigh Dickinson Alumni Association, Board Member of The Jillian E. Daly Foundation, and Bulls Men’s Lacrosse Club. On weekends he enjoys spending time with his family playing golf, fishing, skiing and travel.
Securities Agent: AR, CT, VI, MD, MI, CA, NJ, NC, LA, VT, SC, MA, DE, ME, GA, NY, OR, AZ, VA, UT, TN, IA, WI, KS, OH, ID, WA, HI, TX, RI, NV, NH, MO, IN, IL, FL, MN, PA, NE, AL, CO, DC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1393553
NMLS#: 1393553
About Charles Eschmann
Charles D. Eschmann is a Financial Planning Specialist and Financial Advisor with Morgan Stanley in Garden City. He joined the Modern Heritage Group in 2025 and has over a decade of experience in Financial Services. Charlie seeks to work closely with each client to develop, implement, and execute their financial plan designed to meet their personal goals.
Charlie graduated from Loyola University Maryland in 2013. He was most recently an Associate Director at Protiviti, providing risk advisory to financial institutions prior to joining Morgan Stanley in 2025.
Charlie and his wife, Kerianne, live in Mineola, NY with their daughter. Outside of work, Charlie is a member of the board of directors for the Society of Loyola Old Boys Rugby, offering scholarships, support, and camaraderie to the Loyola University Maryland Rugby Football Club.
Charlie graduated from Loyola University Maryland in 2013. He was most recently an Associate Director at Protiviti, providing risk advisory to financial institutions prior to joining Morgan Stanley in 2025.
Charlie and his wife, Kerianne, live in Mineola, NY with their daughter. Outside of work, Charlie is a member of the board of directors for the Society of Loyola Old Boys Rugby, offering scholarships, support, and camaraderie to the Loyola University Maryland Rugby Football Club.
Securities Agent: DC, DE, WI, OR, NC, AZ, AR, IL, TN, NJ, NH, MI, PR, PA, NY, ME, MD, MA, AL, VA, SC, MN, CO, CA, MT, FL, CT, VT, TX, NV, KS, OH, RI, NM, HI, WA, VI, MO, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 2729870
NMLS#: 2729870
About Kaylee B. McFadzen
Kaylee is a founding member of the Modern Heritage Group Portfolio Associate at Morgan Stanley. Kaylee began her career at Morgan Stanley in August 2019 after graduating Binghamton University, where she studied Economics with a specialization in Finance. Kaylee obtained her Series 7 and 66 licenses and formally joined the team in October 2020. She is eager to continue developing client relationships and provide support to the team. She looks forward to learning and growing within Morgan Stanley.
Kaylee resides on the North Shore of Long Island. In her free time, she enjoys cooking, traveling, and spending time with family and friends.
Kaylee resides on the North Shore of Long Island. In her free time, she enjoys cooking, traveling, and spending time with family and friends.
About Kathleen C. Pozarycki
Kathleen C. Pozarycki is a founding member of The Modern Heritage Group at Morgan Stanley and is a Registered Client Service Associate. With over 40 years of experience working alongside High-Net-Worth individuals and families, Kathleen leads the team with all of its administrative needs while working alongside each of our clients Trusted Advisors. She seeks to create and maintain a strong relationship with clients by executing their requests.
Kathleen and her family live on Long Island, where she is active in her community. When she’s unplugged, she enjoys reading, cooking, gardening, swimming, travelling and spending time with family and friends.
Kathleen and her family live on Long Island, where she is active in her community. When she’s unplugged, she enjoys reading, cooking, gardening, swimming, travelling and spending time with family and friends.
About Gina M. Occhipinti
Gina is a Client Service Associate who joined Morgan Stanley in February 2025. After graduating from St. Anthony's High School, Gina attended Manhattan University, where she studied Finance with a specialization in management. Gina joined the team in February 2025 and is currently in the process of getting registered. She thrives on challenge and is eager to develop client relationships and provide support to the team. She looks forward to learning and growing within Morgan Stanley.
Gina resides on the South Shore of Long Island. In her free time, she enjoys exercising, cooking, traveling, and spending time with family and friends.
Gina resides on the South Shore of Long Island. In her free time, she enjoys exercising, cooking, traveling, and spending time with family and friends.
Contact Charles P. Eschmann
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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
Dana Jordan
Private Banker
Andrew Bertalli, CFP®
Financial Planning Director, Vice President
Angelo Loumbas
Family Office Resource Generalist
About Dana Jordan
Dana Jordan is a Private Banker serving Morgan Stanley Wealth Management offices in New York.
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.
Dana began her career in financial services in 2017 when she joined Morgan Stanley as a Lending Analyst in Private Banking Operations. She most recently returned to the firm in 2022. Prior to joining the firm, she was a Mortgage Professional at JP Morgan Private Bank.
Dana is a graduate of Loyola University Maryland, where she received a Bachelor of Business Administration in Finance She lives in Long Island, New York. Outside of the office, Dana donates her time to the American Legion Auxiliary Unit 1006. She is a Senior Gold Medalist and USFSA (U.S. Figure Skating Association) member, and enjoys partaking in CrossFit.
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.
Dana began her career in financial services in 2017 when she joined Morgan Stanley as a Lending Analyst in Private Banking Operations. She most recently returned to the firm in 2022. Prior to joining the firm, she was a Mortgage Professional at JP Morgan Private Bank.
Dana is a graduate of Loyola University Maryland, where she received a Bachelor of Business Administration in Finance She lives in Long Island, New York. Outside of the office, Dana donates her time to the American Legion Auxiliary Unit 1006. She is a Senior Gold Medalist and USFSA (U.S. Figure Skating Association) member, and enjoys partaking in CrossFit.
NMLS#: 1974422
About Andrew Bertalli
Andrew Bertalli is a vice president and financial planning director, serving Morgan Stanley Wealth Management offices in eastern Long Island, NY. He is responsible for helping financial advisors with their clients' and prospects' financial planning needs.
Andrew began his career in financial services in 2000 and joined Morgan Stanley in 2022. Prior to his current position, Andrew served high-net-worth clients for over 17 years. Andrew also has worked at Charles Schwab, USAA, and TIAA.
Andrew graduated from Saint Francis College and has a BS in business. Andrew holds his CERTIFIED FINANCIAL PLANNER™ designation. Andrew lives on Long Island with his wife and children. Outside of work, Andrew likes to keep fit and spend time with his family. Andrew holds a private pilot license and served in the US Navy.
Andrew began his career in financial services in 2000 and joined Morgan Stanley in 2022. Prior to his current position, Andrew served high-net-worth clients for over 17 years. Andrew also has worked at Charles Schwab, USAA, and TIAA.
Andrew graduated from Saint Francis College and has a BS in business. Andrew holds his CERTIFIED FINANCIAL PLANNER™ designation. Andrew lives on Long Island with his wife and children. Outside of work, Andrew likes to keep fit and spend time with his family. Andrew holds a private pilot license and served in the US Navy.
About Angelo Loumbas
Angelo is the Family Office Resources Generalist in the Northeast Region. Angelo provides in depth knowledge to ultra-high net worth (UHNW) clients and Financial Advisors across a broad range of family wealth and family office management matters. His area of focus includes family governance, wealth education,, strategic estate and financial planning, philanthropy management, lifestyle advisory, and customized asset allocation and portfolio construction. Angelo has over 25 years’ experience advising wealthy families, business owners, and philanthropic organizations.
Originally from Chicago and now residing in Westchester County, New York, , Angelo practiced law for 15 years and represented UHNW clients, closely held businesses, and major philanthropic organizations. He is admitted to the Society of Trust and Estate Practitioners and has been asked to speak over the years before tax, trust and estate committees of estate planning councils and other organizations. Angelo has also contributed thought leadership through Morgan Stanley’s Family Legacy and Governance Institute leadership series and authored an article for Barrons.com, “Should I Invest in My Kid’s Start-Up? Financial Advisors Can Help Clients Decide” (2023).
Angelo has been advising UHNW clients in the financial services industry for over 17 years, with 13 of those years at Morgan Stanley in Chicago and New York. He earned his J.D. from Indiana University at Bloomington, his M.B.A. from the University of Notre Dame, and B.A. from DePaul University. He also holds his Series 7, 66 and 24 licenses. In addition, Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club (2009-2010).
Originally from Chicago and now residing in Westchester County, New York, , Angelo practiced law for 15 years and represented UHNW clients, closely held businesses, and major philanthropic organizations. He is admitted to the Society of Trust and Estate Practitioners and has been asked to speak over the years before tax, trust and estate committees of estate planning councils and other organizations. Angelo has also contributed thought leadership through Morgan Stanley’s Family Legacy and Governance Institute leadership series and authored an article for Barrons.com, “Should I Invest in My Kid’s Start-Up? Financial Advisors Can Help Clients Decide” (2023).
Angelo has been advising UHNW clients in the financial services industry for over 17 years, with 13 of those years at Morgan Stanley in Chicago and New York. He earned his J.D. from Indiana University at Bloomington, his M.B.A. from the University of Notre Dame, and B.A. from DePaul University. He also holds his Series 7, 66 and 24 licenses. In addition, Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club (2009-2010).
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.
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.
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.
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.
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To Manage Risks, You Have to See Them First
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
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- Long Term Care Insurance
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529 Plans: A Powerful Tool to Save for Education
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
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Financial Planning for Life After Selling a Business
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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A Simple Six-Step Retirement Checkup
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Iran Conflict: Seven Takeaways for Investors
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
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- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Modern Heritage Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
5Alternative 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.
6When 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.
7Morgan 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.
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.
8Morgan 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.
9Morgan 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.
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 and other legal matters.
10Products 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.
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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Morgan 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
13When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
5Alternative 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.
6When 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.
7Morgan 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.
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.
8Morgan 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.
9Morgan 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.
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 and other legal matters.
10Products 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.
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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Morgan 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
13When 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.
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)
