Charles Monahan, CFP®
Senior Vice President, Financial Advisor
Phone:
(215) 572-4530(215) 572-4530
The Monahan Group at Morgan Stanley
Direct:
(215) 572-4500(215) 572-4500
Toll-Free:
(800) 473-3430(800) 473-3430
Our Mission Statement
Leveraging the experienced capital of our team and the breadth of resources from our firm to meet the unique needs and challenges of our clients
Monahan Group Story
At The Monahan Group, we believe extraordinary success deserves more than an ordinary solution. Our team offers decades of combined experience that informs how we interact with and serve our clients. We understand that every client is unique. Our investment advisory practice is consultative, client focused, and planning based. Senior team members are CFP designees and use financial planning to guide process and implementation. Knowing our clients' circumstances, objectives, and presenting opportunities to deliver creative and appropriate strategies is the cornerstone of our practice. Applying a disciplined approach to identify objectives, monitor performance, manage risk, and put our clients first, we aim to exceed expectations for service and performance.
Being asked for our recommendations and guidance concerning our clients' finances is not something that we take lightly. The trust they place in us is returned through our dedication to helping them reach their goals, so that they can spend less time worrying about their financial situation, and more time doing those things that matter most to them.
Here at the Monahan Group, we believe that the most important thing we can do is to listen to you. Understanding your individual needs and goals enables us to create a plan of action that is completely personalized to you.
Being asked for our recommendations and guidance concerning our clients' finances is not something that we take lightly. The trust they place in us is returned through our dedication to helping them reach their goals, so that they can spend less time worrying about their financial situation, and more time doing those things that matter most to them.
Here at the Monahan Group, we believe that the most important thing we can do is to listen to you. Understanding your individual needs and goals enables us to create a plan of action that is completely personalized to you.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Personal Wealth Planning
Individuals and families face financial decisions that become more complex with each life transition — from growing income and managing cash flow to building long-term wealth and preparing for retirement. We provide personalized guidance designed to align your financial strategy with your goals, values, and evolving priorities, helping you make confident decisions in every market environment.
Donor Advised Funds
While many individuals and families have a deep commitment to philanthropy, charitable giving is not limited to those with significant wealth. Donor advised funds (DAFs) are among the easiest and most tax-advantaged ways to give to charity for donors across the spectrum of wealth.
Learn More
Retirement Planning
We help individuals and families build a retirement plan that reflects the life they want, whether that means traveling, spending more time with loved ones, or simply enjoying greater peace of mind. Our team will work with you to understand your goals, timeline, and priorities, and support you every step of the way. Below we've gathered resources that can help start to paint the picture of your dream retirement - a crucial first step!
Learn More
Estate Planning Strategies
Estate planning ensures your assets, wishes, and legacy are handled according to your intentions, providing clarity and continuity for those you care about.
Learn More
Education Planning
We help families prepare for future education costs with thoughtful, personalized guidance. Whether you’re saving for a child, grandchild, or your own continuing education, we’ll work with you to explore options that support your goals and make planning for the future clearer and more manageable.
Learn MoreHelping Businesses at Every Stage
The Monahan Group helps businesses plan for today and prepare for tomorrow. We work alongside you to address your company’s goals, guide important decisions, and provide support that fits your unique situation. Our focus is helping your business operate smoothly and confidently as it grows.
Equity Solutions
Equity compensation is more than shares. It’s a commitment to mutual success and a powerful way to help employees feel connected to your business. We help your business get the most of your equity compensation benefits with technology that is customizable, scalable and repeatable.
Learn More
Cash Management
Morgan Stanley Corporate Cash oversees more than $75 billion* in money market and short-term assets on behalf of corporations, partnerships and private wealth. Our investment philosophy is conservative with emphasis on the objectives of capital preservation, liquidity and safety.
Learn More
Deferred Compensation
Through a Nonqualified Deferred Compensation (NQDC) plan, your executives can save for the future while having the ability to take advantage of Morgan Stanley Wealth Management services.
Learn More
Global Intelligence
Bring daily equity plan management in-house with a modern, easy-to-use online database of international legal and international tax regulations that spans more than 160 countries. Our Global Intelligence offering is continuously updated putting a world of information at your fingertips and making it easier to get access and stay up-to-date.
Learn More
Equity Plan Administration
Run reports with real-time information, including data migrated via API from HRIS systems. Intuitive drag-and-drop functionality makes it easy. Plus, use the “sandbox” test site to model new grants, budget expenses and compare forecasting scenarios quickly, simply and safely.
Learn More
Retirement
For your employees, retirement is more than a date in the future—it’s a milestone that takes time, hard work and the right tools to achieve. Our team provides a comprehensive suite of solutions and investment experience to help you with your investment responsibilities and help your employees achieve their goals.
Learn More
Financial Guidance
Provide financial planning for your whole workforce, from employees who are starting their careers to executives with more complex financial needs. Give your employees one-on-one access to a financial professional, who will help them develop a goal-based financial plan at no extra cost to you or them.
Learn MoreWelcome to The Monahan Group's Investor Resources Center, a curated collection of insights, tools, and exclusive client resources designed to help you stay informed and connected. Here, you’ll find timely market updates, Morgan Stanley research and analytics, educational materials, and information on the tools, benefits, and capabilities available to clients of our firm. Whether you’re looking for perspective on current markets or resources to support your broader financial picture, our team is here to help guide you along the way.
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Thoughts On The Market Podcast
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
On The Markets Research Report
Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
Morgan Stanley Portfolio Insights
Private Markets
Many of today’s companies stay private longer, with more of their valuation being created before they become publicly traded. Morgan Stanley Private Markets connects a broad network of potential private investors in an accessible ecosystem, allowing eligible clients to buy and sell securities of private companies.
Morgan Stanley Private Markets
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
Contribution Limits for 2026
The IRS has announced the retirement plan benefit and contribution limits for 2026.
• The annual contribution limit for Traditional and Roth IRAs has increased to $7,500 for 2026.
• The additional catch-up contribution limit for Traditional and Roth IRAs for individuals aged 50 and over has increased to $1,100 for 2026.
These limits apply to all of your IRAs combined and are subject to IRS eligibility requirements, including any income restrictions.
Review All Plan Types• The annual contribution limit for Traditional and Roth IRAs has increased to $7,500 for 2026.
• The additional catch-up contribution limit for Traditional and Roth IRAs for individuals aged 50 and over has increased to $1,100 for 2026.
These limits apply to all of your IRAs combined and are subject to IRS eligibility requirements, including any income restrictions.
2026 Tax Tables
This helpful resource outlines the 2026 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
See Tax Tables
Reserved Living & Giving
Morgan Stanley's loyalty program allows eligible clients access to exclusive offers and discounts from over 70 premium brands at no cost.
Learn MoreA Detailed Roadmap
Our First Conversation
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs. Here we will set a clear expectation of our relationship going forward and discuss goals.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Discussing your Journey
After our initial meeting, we will develop a wealth management strategy that is centered around your unique circumstances. Discussing your journey so far to where you want to be, we will be able to fully understand your needs and collect the relevant information to create helpful changes.
Construction of Your Plan
Through a fully customized approach, we assist you in determining the appropriate asset allocation and investment strategy that can help reach your goals. We consider your current situation, long-term goals, legal and regulatory constraints, liquidity needs, expected tax status, risk tolerance and other variables towards the construction of your portfolio.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Reviews
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Location
1787 Sentry Pky W
Bldg 18 Ste 440
Blue Bell, PA 19422
US
Direct:
(215) 572-4500(215) 572-4500
Toll-Free:
(800) 473-3430(800) 473-3430
Meet The Monahan Group
Gretchen Carey, CFP®
Financial Advisor
Phone:
(215) 572-4505(215) 572-4505
Michael Burns
Registered Client Service Associate
Phone:
(215) 572-4579(215) 572-4579
Thomas McGarrahan
Planning Associate, Financial Planning Specialist
Phone:
(212) 276-3256(212) 276-3256
About Charles Monahan
Charles “Chip” Monahan has been with Morgan Stanley since 1989. He is a Certified Financial Planner® and focuses on managing discretionary equity portfolios for our high net worth clients. A graduate of Rider University, he has a disciplined wealth management practice and provides strategic investment guidance to 401(k) plan sponsors, trust and special needs clients, business owners and affluent professionals. Chip plays racquetball and loves to attend Phillies, Eagles and Flyers games.
Securities Agent: MA, WA, CT, NY, VA, MN, MD, FL, CO, CA, AZ, NJ, KY, DC, NC, GA, TN, SC, PA, OH, MI, WI, VT, NH, DE, NV, TX; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1297956
NMLS#: 1297956
About Gretchen Carey
Gretchen has been with Morgan Stanley since 2000 and is a Certified Financial Planner®. She focuses on portfolio strategy and managing bond and fixed income portfolios. Gretchen has been a guest teacher for the stock market challenge at a local elementary school. She graduated from Skidmore College and holds an MBA from Stanford University Graduate School of Business.
Securities Agent: NC, DE, MN, FL, NH, NY, MI, MA, NV, CA, VT, NJ, CO, SC, GA, CT, VA, MD, DC, AZ, WI, WA, PA, OH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1297671
NMLS#: 1297671
About Michael Burns
Michael Burns serves as a Client Service Associate with The Monahan Group, where he is committed to delivering attentive, detail-oriented support to clients and advisors alike. Born and raised in the Blue Bell area, Michael graduated from St. Joseph’s Preparatory High School (Class of 2016) before earning his degree from the College of Charleston in 2020. He began his career in wealth management with Wells Fargo Advisors in Charlotte, North Carolina, where he spent three years building experience in client service and operations before returning to the Philadelphia area in 2025.
Outside the office, Michael enjoys spending time on the golf course, exploring history, and following Philadelphia sports. A lifelong fan of the city’s teams, he enjoys staying connected to the energy and traditions of the region he calls home.
Outside the office, Michael enjoys spending time on the golf course, exploring history, and following Philadelphia sports. A lifelong fan of the city’s teams, he enjoys staying connected to the energy and traditions of the region he calls home.
About Thomas McGarrahan
Thomas McGarrahan 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. Thomas provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Skidmore College and received the Financial Planning Specialist® designation from the College for Financial Planning. Thomas is originally from Hampstead, New Hampshire and currently resides in New York, New York.
He earned his undergraduate degree from Skidmore College and received the Financial Planning Specialist® designation from the College for Financial Planning. Thomas is originally from Hampstead, New Hampshire and currently resides in New York, New York.
Contact Charles Monahan
Contact Gretchen Carey
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
Lorry Rosado
Private Banker
About Lorry Rosado
Lorry Rosado is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey and Pennsylvania.
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.
Lorry began her career in financial services in 1984 and joined Morgan Stanley in 2017. Prior to joining the firm, she was a Banking Advisor at Merrill Lynch, as well as a Senior Premier Client Manager at Bank of America.
Lorry lives in East Brunswick, NJ with her family. Outside of the office, Lorry volunteers as a Coach for the Fast Break Basketball Buddy Ball program, focused on providing an opportunity for disabled children and young adults to enjoy the game of basketball. In her free time, she enjoys spending time with family.
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.
Lorry began her career in financial services in 1984 and joined Morgan Stanley in 2017. Prior to joining the firm, she was a Banking Advisor at Merrill Lynch, as well as a Senior Premier Client Manager at Bank of America.
Lorry lives in East Brunswick, NJ with her family. Outside of the office, Lorry volunteers as a Coach for the Fast Break Basketball Buddy Ball program, focused on providing an opportunity for disabled children and young adults to enjoy the game of basketball. In her free time, she enjoys spending time with family.
NMLS#: 644450
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
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
Wealth Management
From Our Team
The Monahan Group - May 2026 Newsletter
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
Article Image
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
Article Image
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
Article Image
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact The Monahan 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 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.
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.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Morgan 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
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 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.
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.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Morgan 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
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)
