Micah Todd Lowry, ChFC®, CLU®, CEPA®
Executive Director, Wealth Management, Financial Advisor
Phone:
(256) 552-9450(256) 552-9450
The Monte Sano Wealth Management Group at Morgan Stanley
Our Mission Statement
We provide our clients with a comprehensive roadmap for financial success, built upon a foundation of honesty, experience, integrity, and trust.
Welcome
"The measure of intelligence is the ability to change." - Albert Einstein
Some change is chosen while other change is forced upon us. Markets constantly move, goals evolve and circumstances most definitely are altered.
Our clients value our advice during these changing times and The Monte Sano Group at Morgan Stanley is dedicated to helping you navigate these life's transitions.
In partnering with and serving affluent clients, the Monte Sano Wealth Management Group at Morgan Stanley provides customized planning geared to individual objectives.
Our team, offers informed financial guidance at critical stages of life, such as selling a business, retiring, succession planning, change in marital status, the birth of a child or the death of a parent or loved one.
With over 200 years of combined experience, our team has achieved a long list of certifications and designations including:
- Certified Financial Planner - Joe Curtis, Jared Miller, Alex Hightower
- Certified Exit Planning Advisor - Todd Lowry, Todd McBride, Patrick Shields, Jay Hedgspeth, Alex Hightower
- Certified Retirement Counselor - Bill Cummings, Lucy Edwards
- Chartered Financial Consultant - Todd Lowry
- Chartered Life Underwriter - Todd Lowry
- Qualified Plan Financial Consultant - Shelli Waggoner
Clients of the Monte Sano Wealth Management Group at Morgan Stanley benefit from having a multigenerational team with varied backgrounds and complementary skills.
We are very committed to responding promptly to our client's needs and putting their investment goals and strategies first.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
BY YOUR SIDE FOR ALL OF LIFE’S MILESTONES
Our practice is built on the development of deep and enduring relationships and the delivery of comprehensive wealth management services.
We work with a broad range of clients who value and respect the advice we carefully cultivate for them in seeking the achievement of the following goals:
- Simplify their financial life
- Plan for an enjoyable retirement
- Manage risk and help protect their family
- Minimize investment related taxes through advanced strategies
- Address long-term health care needs
- Educate the next generation on how to manage wealth and carry family values forward
- Achieve important philanthropic goals
The solutions we recommend are carefully coordinated to help provide you with the knowledge, tools and resources needed to succeed in today’s fast-paced world.
We are here to help you make informed decisions on any financial issue you face.
We work with a broad range of clients who value and respect the advice we carefully cultivate for them in seeking the achievement of the following goals:
- Simplify their financial life
- Plan for an enjoyable retirement
- Manage risk and help protect their family
- Minimize investment related taxes through advanced strategies
- Address long-term health care needs
- Educate the next generation on how to manage wealth and carry family values forward
- Achieve important philanthropic goals
The solutions we recommend are carefully coordinated to help provide you with the knowledge, tools and resources needed to succeed in today’s fast-paced world.
We are here to help you make informed decisions on any financial issue you face.
Our Clients Include:
- Families spanning multiple generations
- Retirees and individuals planning for retirement
- Employees of local utility and power companies
- Professionals in the legal, medical, and pharmaceutical industries
- Nonprofit organizations, endowments, and foundations
- Referrals from existing clients
- Business Owners
- Defense Contractors
Services We Provide
FINANCIAL PLANNING: Goals Analysis, Retirement Income, Debt Analysis, Special Circumstances
INVESTMENT PLANNING: Security Recommendations, Economics, Asset Allocation, Tax Efficient Investing
WEALTH PLANNING: Wills & Legal Documents, Legacy Planning/Gifting, Family Governance, Charitable Planning
EXECUTIVE PLANNING: Incentive Compensation, Stock Options, Concentrated Positions, Stock Monetization
BUSINESS OWNER PLANNING: Risk Management, Cash Management, Retirement Benefits, Succession Planning
INVESTMENT PLANNING: Security Recommendations, Economics, Asset Allocation, Tax Efficient Investing
WEALTH PLANNING: Wills & Legal Documents, Legacy Planning/Gifting, Family Governance, Charitable Planning
EXECUTIVE PLANNING: Incentive Compensation, Stock Options, Concentrated Positions, Stock Monetization
BUSINESS OWNER PLANNING: Risk Management, Cash Management, Retirement Benefits, Succession Planning
Our Tailored Process
1. Discovery Process - We listen, learn, and identify what is important to you and your legacy
2. Develop Strategies - We determine risk and gather data to analyze current investments and create a financial plan
3. Onboarding Meeting - We present and discuss the plan
4. Deployment of Solutions - Focus on asset movement and assign responsibilities
5. Orientation Meeting - Meet and understand the team and "who to contact"
6. Wealth Team Integration - Develop and understand your network, liquidity needs, and secondary plans
7. Strategy/Tactical Meetings - Monitor, discuss, and adjust future transitions
2. Develop Strategies - We determine risk and gather data to analyze current investments and create a financial plan
3. Onboarding Meeting - We present and discuss the plan
4. Deployment of Solutions - Focus on asset movement and assign responsibilities
5. Orientation Meeting - Meet and understand the team and "who to contact"
6. Wealth Team Integration - Develop and understand your network, liquidity needs, and secondary plans
7. Strategy/Tactical Meetings - Monitor, discuss, and adjust future transitions
Our Monthly Newsletters
September Newsletter 2025The Significance of a Family Wealth Director
The Monte Sano Wealth Management Group's Executive Director and Family Wealth Director, Todd McBride, leverages the versatile resources of Morgan Stanley and professionals to help our clients and their families maximize the value of their human capital by driving family wealth education, making it more likely that all members of the family will have the foundation and support they need to potentially lead meaningful, fulfilled and engaged lives.
Our Team's Family Wealth Capabilities
About 5% of Financial Advisors have obtained the Family Wealth Director (FWD) title as of December 2024.. The designation is given to advisors who have undergone distinctive training to complement their extensive experience working with ultra-high net worth families.
Family Governance and Wealth Education
The Family Governance & Wealth Education group helps ultra high net worth families strive to maximize the value of their human capital by addressing sensitive family issues, facilitate communication and manage your family dynamic in an effort to achieve a shared sense of common direction in coordination with your outside advisors.
Wealth Education Development Plan
Legacy & Estate Planning Strategies
We engage with our Family Wealth Director, Todd McBride, and the Wealth Planning Center to provide a fully integrated, comprehensive analysis of your balance sheet, estate plan, and investment strategy through a collaborative process- at your request we will coordinate with your legal tax advisors as well.
Philanthropy Management
We provide our clients with a smart way to give to causes and charities they care about. .
Learn MoreTax-Efficient Strategies
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We want to provide our clients with as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
Key Tax Moves for Investors to Consider
Factoring the impact of taxes into your investment decisions can help you keep more of your hard-earned money, both now and in the future.
Explore the Questions Here
Tax-Smart Strategies for Retirement
Looking for ideas on how to be more tax efficient when planning for your retirement?
Read The Strategies Here
How to Access Your Tax Forms
How to Access Your Tax Forms
1. Log into your account via Morgan Stanley Online
2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
Login to MSO Here1. Log into your account via Morgan Stanley Online
2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential, manage unrealized gains and help keep more of what you earn.
Learn More
2025 Tax Tables
If you are interested in seeing the updated tax tables and other details for 2025, see all additional information here.
View the 2025 Tax Tables HereLocation
305 Church Street
Suite 700
Huntsville, AL 35801
US
Direct:
(256) 533-2150(256) 533-2150
3500 Colonnade Parkway
Suite 200
Birmingham, AL 35243
US
Direct:
(205) 460-4772(205) 460-4772
105 South Court Street
Florence, AL 35630
US
300 Market Street NE
Suite 101
Decatur, AL 35601
US
414 Broad Street
Gadsden, AL 35901
US
Meet The Monte Sano Wealth Management Group
Todd McBride, CEPA®
Executive Director, Wealth Management, Financial Advisor, Family Wealth Director, Senior Portfolio Management Director
Phone:
(256) 519-4040(256) 519-4040
Shelli Waggoner, QPFC
Vice President, Wealth Management, Financial Advisor
Phone:
(256) 552-9443(256) 552-9443
Daniel Amesbury
First Vice President, Wealth Management, Financial Advisor
Phone:
(256) 535-2836(256) 535-2836
William Cummings, CRC®
Senior Vice President, Financial Advisor
Phone:
(205) 969-7084(205) 969-7084
Coleman Richards
Financial Advisor
Phone:
(205) 460-4721(205) 460-4721
Joe Curtis, CFP®
Financial Advisor
Phone:
(256) 760-5380(256) 760-5380
Phone:
(256) 680-3220(256) 680-3220
Phone:
(256) 552-9455(256) 552-9455
Phone:
(256) 690-5580(256) 690-5580
Phone:
(256) 680-3215(256) 680-3215
Phone:
(256) 535-2828(256) 535-2828
Terri Sherrill
Group Director
Phone:
(256) 535-2887(256) 535-2887
Jacob Magnusson
Wealth Management Associate
Phone:
(256) 535-2880(256) 535-2880
Leah Morgan
Client Service Associate
Phone:
(256) 680-3210(256) 680-3210
Leah Sharp
Client Service Associate
Phone:
(256) 535-2899(256) 535-2899
Logan Barnes
Registered Client Service Associate
Phone:
(205) 460-4728(205) 460-4728
Brian Peacock, CFP, CIMA
Director of Investments
Phone:
(256) 690-5638(256) 690-5638
Meg Weaver
Senior Registered Client Service Associate
Phone:
(256) 690-5682(256) 690-5682
About Micah Todd Lowry
Todd Lowry acts as managing partner for the team with his goal being to structure and develop the team members to provide the best possible client experience. The team has been fortunate to bring in quality individuals with varied backgrounds and experience through the years, and has been named to Forbes 2025 Best-In-State Wealth Management Teams.
Todd has been in the industry for over 30 years working with high-net-worth individuals, business owners, and retirees. Using a financial plan as a base, he strives to help his clients work towards both their short term and long-term goals. The industry is constantly changing, and he believes staying abreast of all the changes is crucial. Todd attends seminars and reads to keep himself informed. Todd was recognized as one of Forbes Best-In-State Wealth Advisors in 2024 & 2025.
Todd attended Vanderbilt University, and then the University of Alabama. He resides in Huntsville, Alabama with his wife Zara, a local artist, and they have three children. Todd enjoys music (especially the guitar), hiking, tennis, sports, travel, and pottery.
2024 & 2025 Forbes America’s Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award. Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure/
2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24.
Todd has been in the industry for over 30 years working with high-net-worth individuals, business owners, and retirees. Using a financial plan as a base, he strives to help his clients work towards both their short term and long-term goals. The industry is constantly changing, and he believes staying abreast of all the changes is crucial. Todd attends seminars and reads to keep himself informed. Todd was recognized as one of Forbes Best-In-State Wealth Advisors in 2024 & 2025.
Todd attended Vanderbilt University, and then the University of Alabama. He resides in Huntsville, Alabama with his wife Zara, a local artist, and they have three children. Todd enjoys music (especially the guitar), hiking, tennis, sports, travel, and pottery.
2024 & 2025 Forbes America’s Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award. Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure/
2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24.
Securities Agent: CA, NC, IL, ID, OK, MS, GA, CO, HI, WA, PA, DC, SC, NJ, MD, AL, LA, KS, AR, TX, KY, TN, OH, NY, NV, ND, MI, FL, VA, NE, AZ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255490
NMLS#: 1255490
About Todd McBride
As a Family Wealth Director, Todd has the extensive experience, training, and access to the resources necessary to help his clients address their unique goals and aspirations.
He assists families with significant wealth to help navigate complex issues such as Investment Management, Family Governance and Wealth Education, Estate and Financial Planning, Philanthropy Management, Wealth Transfer, Tax Management Strategies, and Business Succession Planning.
Todd graduated from Appalachian State University with degrees in Computer Science and Applied Mathematics. He enjoys the outdoors, fishing, hunting, and playing music.
He assists families with significant wealth to help navigate complex issues such as Investment Management, Family Governance and Wealth Education, Estate and Financial Planning, Philanthropy Management, Wealth Transfer, Tax Management Strategies, and Business Succession Planning.
Todd graduated from Appalachian State University with degrees in Computer Science and Applied Mathematics. He enjoys the outdoors, fishing, hunting, and playing music.
Securities Agent: CA, NV, ND, MS, MI, OK, NY, IL, ID, FL, AZ, PA, TX, OR, AR, OH, DE, TN, LA, AL, WA, NJ, KY, KS, GA, WY, SC, NC, IN, CO, VA, MD, HI, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1268466
NMLS#: 1268466
About Shelli Waggoner
Shelli is a financial advisor with over fifteen years of experience working with individuals and corporations. Focusing on corporate retirement plans, Shelli works closely with companies to help design, implement, and manage retirement solutions that align with both company objectives and employee needs. She focuses on building long -term relationships and delivering exceptional service that aims to enhance client experience and retention. Shelli is a Certified Private Wealth Advisor as well as a Qualified Plan Financial Consultant.
Shelli lives in Athens, AL with her husband, Mike, and daughters, Haley and Hannah. She serves on the non-profit boards of Full Tummy, CASA, and Calhoun Community College Foundation.
Shelli lives in Athens, AL with her husband, Mike, and daughters, Haley and Hannah. She serves on the non-profit boards of Full Tummy, CASA, and Calhoun Community College Foundation.
Securities Agent: CO, KY, GA, DC, NY, NV, NC, SC, MI, ID, AL, TN, LA, MS, TX, KS, HI, AR, IL, CA, VA, PA, IN, AZ, OK, ND, FL, WA, OH, NJ, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 534596
NMLS#: 534596
About Daniel Amesbury
Dan plays a major role in our team’s investment efforts. Dan is a Certified Investment Management Analyst® professional and a Morgan Stanley credentialed Portfolio Management Director. As Chairman of the Monte Sano Wealth Management Group’s Investment Committee, Dan performs extensive research on global economies, public and private markets, and investable strategies to shape our team’s investment philosophy and wealth management process.
A Huntsville native, Dan attended UAH and Auburn University where he graduated with a degree in Accounting and a realization that he enjoyed the financial aspects of business ownership and investing more than accounting. As an owner of several small businesses during and after college, Dan honed his entrepreneurial skills before deciding to start his financial advisory career at Morgan Stanley in 2011.
Dan continues to reside in Huntsville with his wife Natalie and two children, Brooklyn and Davis. He is surrounded by loving and motivating family, friends and clients who inspire him to be the best husband, father and advisor he can be.
“The decision to pursue a career in wealth management is one of the best I’ve ever made. I am honored to help my clients navigate the financial complexities that life presents by helping them strive to grow, preserve, and enjoy their life’s work. I am fortunate to share in both the financial and personal lives of my clients and their families. My team and I strive to provide a consistently high standard of care so that our clients are more than just comfortable, they are truly satisfied.” - Daniel Amesbury
A Huntsville native, Dan attended UAH and Auburn University where he graduated with a degree in Accounting and a realization that he enjoyed the financial aspects of business ownership and investing more than accounting. As an owner of several small businesses during and after college, Dan honed his entrepreneurial skills before deciding to start his financial advisory career at Morgan Stanley in 2011.
Dan continues to reside in Huntsville with his wife Natalie and two children, Brooklyn and Davis. He is surrounded by loving and motivating family, friends and clients who inspire him to be the best husband, father and advisor he can be.
“The decision to pursue a career in wealth management is one of the best I’ve ever made. I am honored to help my clients navigate the financial complexities that life presents by helping them strive to grow, preserve, and enjoy their life’s work. I am fortunate to share in both the financial and personal lives of my clients and their families. My team and I strive to provide a consistently high standard of care so that our clients are more than just comfortable, they are truly satisfied.” - Daniel Amesbury
Securities Agent: CO, MD, OK, NJ, HI, TN, PA, MS, IL, ID, WA, NY, KY, MI, LA, DC, AZ, VA, NC, FL, CA, TX, KS, GA, AL, AR, OH, WI, SC, OR, NV, ND; General Securities Representative; Investment Advisor Representative
NMLS#: 1798907
NMLS#: 1798907
About William Cummings
Bill is a financial advisor who brings over 25 years of experience in the financial industry for The Monte Sano Wealth Management Group at Morgan Stanley. Holding a Certified Retirement Counselor® designation, he focuses on providing financial advice to clients going through all stages of their financial journey. Bill takes pride in learning and analyzing financial strategies to help clients work towards their financial goals.
Bill attended Samford University in Homewood, Alabama and now lives in Birmingham, Alabama with his wife, Karen. In his free time Bill enjoys exercising, sports, all things outdoors, and spending time with his 4 sons.
Bill attended Samford University in Homewood, Alabama and now lives in Birmingham, Alabama with his wife, Karen. In his free time Bill enjoys exercising, sports, all things outdoors, and spending time with his 4 sons.
Securities Agent: TX, NY, FL, CO, PA, WI, SC, OH, MI, MD, OK, NV, KS, DC, AR, VA, HI, TN, ID, AL, LA, GA, WA, NJ, NC, IL, AZ, UT, ND, MS, KY, IN, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1951679
NMLS#: 1951679
About Coleman Richards
As a Financial Advisor with the Monte Sano Wealth Management Group at Morgan Stanley, Coleman takes pride in providing comprehensive financial guidance to both individual clients and businesses. With over 10 years of industry experience and a Bachelor of Science in Commerce and Business Administration from the University of Alabama, he brings a wealth of knowledge to the table. Coleman’s tenure at Morgan Stanley began in August 2019, and has been marked by a commitment to understanding his clients' unique financial needs and goals.
Throughout Coleman’s career, he has honed his skills in assessing risk, conducting thorough research, and devising investment strategies tailored to each client's circumstances. Prior to joining The Monte Sano Wealth Management Group at Morgan Stanley, he was recognized as one of the top licensed private bankers at BBVA Compass Bank in 2016 and 2017. Since joining Morgan Stanley, he has been a Pacesetter Club recipient from 2021 to 2024, and holds the designation of Financial Planning Specialist. Coleman firmly believes that his dedication and work ethic for his clients sets him apart, and he is committed to providing unparalleled service to help them achieve their financial aspirations.
Beyond the office, Coleman is a devoted family man and active member of his community. Whether it's spending quality time with his wife Carla and daughter Bet, enjoying outdoor activities like golfing and hunting, or volunteering at his church's children's center on Sundays, Coleman strives to make a positive impact both professionally and personally. He is currently working towards his goal of visiting all 50 states. Coleman’s passion for life extends to everything he does, from cheering on the Alabama Crimson Tide to simply savoring the moments shared with loved ones.
Morgan Stanley Wealth Management Pacesetter's Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Pacesetter's Club membership is no guarantee of future performance.
Throughout Coleman’s career, he has honed his skills in assessing risk, conducting thorough research, and devising investment strategies tailored to each client's circumstances. Prior to joining The Monte Sano Wealth Management Group at Morgan Stanley, he was recognized as one of the top licensed private bankers at BBVA Compass Bank in 2016 and 2017. Since joining Morgan Stanley, he has been a Pacesetter Club recipient from 2021 to 2024, and holds the designation of Financial Planning Specialist. Coleman firmly believes that his dedication and work ethic for his clients sets him apart, and he is committed to providing unparalleled service to help them achieve their financial aspirations.
Beyond the office, Coleman is a devoted family man and active member of his community. Whether it's spending quality time with his wife Carla and daughter Bet, enjoying outdoor activities like golfing and hunting, or volunteering at his church's children's center on Sundays, Coleman strives to make a positive impact both professionally and personally. He is currently working towards his goal of visiting all 50 states. Coleman’s passion for life extends to everything he does, from cheering on the Alabama Crimson Tide to simply savoring the moments shared with loved ones.
Morgan Stanley Wealth Management Pacesetter's Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Pacesetter's Club membership is no guarantee of future performance.
Securities Agent: CA, NC, IL, FL, KS, ID, HI, AR, OK, NJ, MS, KY, IN, AZ, NV, NE, MI, TX, OR, DC, LA, WA, SC, MD, GA, NY, WI, TN, PA, OH, ND, CO, AL, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 1236796
NMLS#: 1236796
About Joe Curtis
Securities Agent: TN, OK, MS, PA, NC, GA, OR, NV, FL, KY, TX, ND, HI, DC, CA, AL, KS, CO, AR, WA, OH, NY, NJ, IL, AZ, SC, MI, VA, MD, ID, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 1692169
NMLS#: 1692169
About Lucy Edwards
Lucy is a Senior Partner of MSWMG who joined the team in mid-2021 with over 30 years of experience in advising. Lucy enjoys working with individuals/couples to create tailored wealth management solutions based on where the individuals are and where they want to be. Her goal is to help families grow their assets to address a variety of financial situations spanning from income needs of today to legacy building for future generations. Lucy is a graduate of Birmingham Southern College where she focused on marketing and finance and carries a Certified Retirement Counselor (CRC) designation. She is an active member of Gadsden First United Methodist Church and serves on the board of directors of the Etowah County Family Success Center. Lucy also enjoys being a mother to an active 15 year old son.
Securities Agent: KY, MT, CA, NC, IL, ME, AZ, OK, OH, HI, WA, VA, TX, ND, FL, LA, TN, NY, KS, NV, ID, GA, AL, AR, SC, NJ, MS, CO, PA, MD, DC, OR, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 2221479
NMLS#: 2221479
About Jared Miller
Jared Miller has been helping clients work towards their financial goals since 2008. As a Certified Financial Planner™ professional and Senior Portfolio Manager, he provides personalized financial planning and investment advice tailored to each client’s unique needs. Jared has extensive experience in portfolio management, insurance planning needs, annuities, and comprehensive financial planning.
Committed to building lasting relationships, he takes a strategic approach to wealth management, helping clients navigate life’s financial complexities with confidence.
Outside of work, Jared enjoys spending time outdoors and being with his family.
Disclosures:
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Life insurance, disability income insurance, annuities, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Committed to building lasting relationships, he takes a strategic approach to wealth management, helping clients navigate life’s financial complexities with confidence.
Outside of work, Jared enjoys spending time outdoors and being with his family.
Disclosures:
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Life insurance, disability income insurance, annuities, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Securities Agent: CO, OH, NY, NV, NJ, IN, GA, FL, TX, LA, SD, OK, ID, DC, KY, MI, CA, AR, WI, VA, ND, MS, IL, AZ, SC, NC, MD, KS, PA, HI, AL, WA, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 554735
NMLS#: 554735
About Patrick Shields
Pat brings a wealth of experience to his role as a Financial Advisor with The Monte Sano Wealth Management Group at Morgan Stanley. With nearly 35 years of financial management experience, Pat empowers clients to live a better life and aims to be their first call for anything financial. His extensive background enables him to provide a broad array of services. He loves building relationships with clients, understanding their particular challenges and strategizing together to achieve their goals. For Pat, professional achievement is measured in terms of client well-being and goal achievement.
A December 1987 graduate of Wichita State University where he studied Finance and Economics, Pat’s goal upon graduation was to begin a career in wealth management. The October market crash that occurred that year put a damper on his plans. Instead, Pat became a Financial Analyst and Program Finance Manager at The Boeing Company in Wichita, KS. For the next ten years, Pat would travel 20 weeks a year, analyzing and negotiating proposals with Boeing subcontractors. He worked a broad array of programs, including all the commercial airplanes in the fleet and Air Force One. In 1990, he moved to Huntsville to work on the proposal for the Space Station and later on the financial management of the International Space Station.
Ten years after starting his career at Boeing, Pat returned to his original goal of working in wealth management. He joined Merrill Lynch as a Financial Advisor in 1998 and took on the role of Resident Director there from 2003 to 2011. In 2020, Pat moved his practice to Morgan Stanley, where he served as the Resident Branch Manager of the firm’s Church Street office in 2020 and 2021. He has been an invaluable member of the firm ever since.
A strong believer in giving back, Pat was a Community Advisor for the Junior League of Huntsville and served on the Boards of The Huntsville Library Foundation and The American Red Cross. Today, he is a big supporter of the HudsonAlpha (HA) Institute for Biotechnology. He is an HA Ambassador, a member of the HA Professionals Network and serves as a Mentor in the HA Navigate program, an MIT accredited program that helps mentor up-and-coming biotech firms currently housed in HudsonAlpha.
Pat believes balance is vital to a happy life. He and his wife, Leslie, have lived in Huntsville for over three decades where they have raised their three children. An avid fly fisherman, Pat also enjoys hiking, Porsche Sports cars and cycling.
A December 1987 graduate of Wichita State University where he studied Finance and Economics, Pat’s goal upon graduation was to begin a career in wealth management. The October market crash that occurred that year put a damper on his plans. Instead, Pat became a Financial Analyst and Program Finance Manager at The Boeing Company in Wichita, KS. For the next ten years, Pat would travel 20 weeks a year, analyzing and negotiating proposals with Boeing subcontractors. He worked a broad array of programs, including all the commercial airplanes in the fleet and Air Force One. In 1990, he moved to Huntsville to work on the proposal for the Space Station and later on the financial management of the International Space Station.
Ten years after starting his career at Boeing, Pat returned to his original goal of working in wealth management. He joined Merrill Lynch as a Financial Advisor in 1998 and took on the role of Resident Director there from 2003 to 2011. In 2020, Pat moved his practice to Morgan Stanley, where he served as the Resident Branch Manager of the firm’s Church Street office in 2020 and 2021. He has been an invaluable member of the firm ever since.
A strong believer in giving back, Pat was a Community Advisor for the Junior League of Huntsville and served on the Boards of The Huntsville Library Foundation and The American Red Cross. Today, he is a big supporter of the HudsonAlpha (HA) Institute for Biotechnology. He is an HA Ambassador, a member of the HA Professionals Network and serves as a Mentor in the HA Navigate program, an MIT accredited program that helps mentor up-and-coming biotech firms currently housed in HudsonAlpha.
Pat believes balance is vital to a happy life. He and his wife, Leslie, have lived in Huntsville for over three decades where they have raised their three children. An avid fly fisherman, Pat also enjoys hiking, Porsche Sports cars and cycling.
Securities Agent: OK, AL, NY, NV, MT, KY, FL, SC, OH, ID, CA, UT, MA, VA, TN, PR, NE, ND, AZ, MN, LA, KS, IN, HI, GA, DC, CO, WI, TX, SD, NC, MD, WA, PA, OR, NM, NJ, MI, CT, RI, MS, IL, AR; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 684931
NMLS#: 684931
About Jay Hedgspeth
Jay Hedgspeth, a seasoned Financial Advisor, brings a wealth of experience to his clients as Morgan Stanley. Born and raised in Gadsden, Alabama, Jay has deep ties to his hometown, where he currently resides with his family.
Jay’s academic journey took him to the University of Alabama, where he earned a Bachelor of Science degree in Commerce and Business Administration, majoring in Health Care Management. This education background has provided him with a solid foundation in business principles and financial management. Jay’s professional career began in banking, where he worked from 2008 to 2014. During this time, he developed a strong understanding of financial services and customer relations. He then transitioned to mortgage origination, working in the field from 2014 to 2019. Since 2019, Jay has been dedicated to financial advising, helping clients achieve their financial goals through tailored investment strategies and guidance. In April of 2023, he joined Morgan Stanley, where he has continued his role as a financial advisor with the Monte Sano Group. Jay also holds the Certified Exit Planning Advisor (CEPA) designation, underscoring his ability to assist business owners in planning and executing successful exits from their companies.
Family is central to Jay’s life. He has been married to his wife Claire, since 2012, and they have two daughters Hadley and Amelia. Their family is completed by their cocker spaniel, Joe Cocker Hedgspeth. An active member of his community, Jay serves on the boards of the James M. Barrie Child Advocacy Center and the Alabama Repertory Theater. He also attends the First Baptist Church of Gadsden. In his free time, Jay enjoys playing music at local venues, as well as golfing and spending time with the family.
Jay’s academic journey took him to the University of Alabama, where he earned a Bachelor of Science degree in Commerce and Business Administration, majoring in Health Care Management. This education background has provided him with a solid foundation in business principles and financial management. Jay’s professional career began in banking, where he worked from 2008 to 2014. During this time, he developed a strong understanding of financial services and customer relations. He then transitioned to mortgage origination, working in the field from 2014 to 2019. Since 2019, Jay has been dedicated to financial advising, helping clients achieve their financial goals through tailored investment strategies and guidance. In April of 2023, he joined Morgan Stanley, where he has continued his role as a financial advisor with the Monte Sano Group. Jay also holds the Certified Exit Planning Advisor (CEPA) designation, underscoring his ability to assist business owners in planning and executing successful exits from their companies.
Family is central to Jay’s life. He has been married to his wife Claire, since 2012, and they have two daughters Hadley and Amelia. Their family is completed by their cocker spaniel, Joe Cocker Hedgspeth. An active member of his community, Jay serves on the boards of the James M. Barrie Child Advocacy Center and the Alabama Repertory Theater. He also attends the First Baptist Church of Gadsden. In his free time, Jay enjoys playing music at local venues, as well as golfing and spending time with the family.
Securities Agent: DC, LA, AR, AL, SC, TX, OR, MD, TN, OH, OK, NY, NC, MI, KY, IN, GA, KS, HI, CO, AZ, VA, NV, NJ, MS, WA, PA, IL, ID, FL, CA, ND; General Securities Representative; Investment Advisor Representative
NMLS#: 1159841
NMLS#: 1159841
About Alex Hightower
With nearly a decade of experience in the financial industry, Alex Hightower joined the Monte Sano Wealth Management Group in 2025, bringing a passion for helping the next generation of investors turn their financial aspirations into reality. She believes that financial planning isn’t just about the numbers – it’s about people, their families, and their dreams. Alex works closely with clients to define their goals, protect their wealth, and build a roadmap for long-term success.
Alex earned her bachelor’s degree in Psychology from the University of Alabama at Birmingham before obtaining her Master in Business Administration from the University of North Alabama. Committed to continuous learning and professional excellence, she holds both the Certified Financial Planner ™ (CFP®) and Certified Exit Planning Advisor (CEPA) designations.
A Decatur, Alabama native, Alex is deeply rooted in her community. She and her high school sweetheart, Blake, are now navigating the joys of raising their young daughter in the same town that raised them. As a family, they love exploring the ever-evolving Decatur and Huntsville areas- especially discovering new dining spots in North Alabama.
Whether she’s guiding clients toward financial confidence or finding the next great local restaurant, Alex brings dedication, insight, and a people-first approach to everything she does.
Alex earned her bachelor’s degree in Psychology from the University of Alabama at Birmingham before obtaining her Master in Business Administration from the University of North Alabama. Committed to continuous learning and professional excellence, she holds both the Certified Financial Planner ™ (CFP®) and Certified Exit Planning Advisor (CEPA) designations.
A Decatur, Alabama native, Alex is deeply rooted in her community. She and her high school sweetheart, Blake, are now navigating the joys of raising their young daughter in the same town that raised them. As a family, they love exploring the ever-evolving Decatur and Huntsville areas- especially discovering new dining spots in North Alabama.
Whether she’s guiding clients toward financial confidence or finding the next great local restaurant, Alex brings dedication, insight, and a people-first approach to everything she does.
Securities Agent: ID, ME, WY, VA, MT, IL, DE, RI, IN, CO, UT, TX, TN, OK, MD, FL, VI, SD, SC, ND, KY, PA, OR, KS, GA, CT, CA, VT, NH, MN, MA, IA, AZ, AL, AK, WV, WA, NE, MO, MI, DC, PR, OH, NV, NM, NJ, MS, WI, LA, HI, AR, NY, NC; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1752376
NMLS#: 1752376
About Terri Sherrill
Terri is the Group Director for The Monte Sano Wealth Management Group at Morgan Stanley and has been in the wealth management business since 1996. Due to her many years of expertise in the field, she is the go-to person for any questions that may arise in daily activities or bigger projects that Service Associates and Financial Advisors may be working on which need critical problem-solving skills.
Terri is a graduate of Jacksonville State University and works out of our Huntsville and Decatur offices. When Terri is not working, one of her favorite things to do is spend time at the beach.
Terri is a graduate of Jacksonville State University and works out of our Huntsville and Decatur offices. When Terri is not working, one of her favorite things to do is spend time at the beach.
About Jacob Magnusson
Jacob serves as the Operations Manager for The Monte Sano Wealth Management Group and has been with the team for six years. Prior to joining the team, he worked in the banking industry for seven years, reaching the title of Branch Manager. Jacob graduated with a degree in finance from the University of Alabama-Huntsville.
Outside of work, Jacob dedicates his time to the Athens-Limestone County Family Resource Center, where he has served as a member of the Board of Directors for six years. He also enjoys traveling, reading a good book, and all things Alabama sports.
Outside of work, Jacob dedicates his time to the Athens-Limestone County Family Resource Center, where he has served as a member of the Board of Directors for six years. He also enjoys traveling, reading a good book, and all things Alabama sports.
About Leah Morgan
With seven years of experience in the industry, Leah has developed a strong foundation in strategy and problem-solving. She has developed a keen understanding of the financial landscape and has taken advantage of opportunities to sharpen her skill set. A proud graduate of Jacksonville State University, she carries the values and lessons she learned there with her today.
Family is central to Leah’s life. Leah and her husband have been happily married for 18 years. She is the proud mother of two very active and energetic boys, and when she is not at the office, she spends most of her free time at the baseball field cheering them on.
Family is central to Leah’s life. Leah and her husband have been happily married for 18 years. She is the proud mother of two very active and energetic boys, and when she is not at the office, she spends most of her free time at the baseball field cheering them on.
About Leah Sharp
Leah has built a dynamic career in the financial services industry, with over a decade of experience spanning banking and finance. Starting her journey in banking in 2014, Leah quickly demonstrated her aptitude for client service, working diligently to build strong relationships and provide valuable financial assistance. In 2020, Leah transitioned into the finance sector, bringing her wealth of knowledge and customer-centric approach to a broader range of financial services. In addition to her professional experience, Leah holds an insurance license and is currently pursuing her Series 7 and 66 licenses to further expand her expertise in the field.
Outside of her career, Leah enjoys a fulfilling family life with her husband, Adam, and their two children, Hagen and Ellie. The family shares a love for travel, concerts, and staying actively involved in their church community. Leah also cherishes the simple pleasures of life, such as curling up with a good book and savoring a quiet cup of coffee.
With a passion for helping others and a commitment to lifelong learning, Leah continues to grow both professionally and personally, always striving to make a positive impact in her community and in the lives of her clients.
Outside of her career, Leah enjoys a fulfilling family life with her husband, Adam, and their two children, Hagen and Ellie. The family shares a love for travel, concerts, and staying actively involved in their church community. Leah also cherishes the simple pleasures of life, such as curling up with a good book and savoring a quiet cup of coffee.
With a passion for helping others and a commitment to lifelong learning, Leah continues to grow both professionally and personally, always striving to make a positive impact in her community and in the lives of her clients.
About Logan Barnes
Logan is a Registered Client Service Associate who assists with many of the daily activities of the team including wealth management operations, social media engagement, and organizing team meetings, among many other things. He joined The Monte Sano Wealth Management Group at Morgan Stanley in May of 2023, and since then has passed his Series 7 and Series 66 tests along with gaining his Alabama Life and Health Insurance license.
Logan attended the University of Alabama where he met his fiancé, Jana, and now lives in Helena, Alabama. In his free time he enjoys golfing, watching sports, traveling, and spending time with his family and friends.
Logan attended the University of Alabama where he met his fiancé, Jana, and now lives in Helena, Alabama. In his free time he enjoys golfing, watching sports, traveling, and spending time with his family and friends.
About Brian Peacock
Brian is a Certified Financial Planner (CFP®), Certified Investment Management Analyst (CIMA®) and Wealth Management Analyst with The Monte Sano Wealth Management Group at Morgan Stanley with more than 15 years of industry experience. A results-driven professional, he is committed to building strong relationships with clients, colleagues and various business units within Morgan Stanley. Brian’s primary responsibilities include asset allocation, investment manager due diligence, financial planning and performance reporting.
Growing up in Huntsville, Brian always had an interest in finance. After earning his Bachelor’s degree from Freed Hardeman University in 2005, he began his career at Boeing, working in their Finance division for seven years. In 2012, Brian joined Pat Shields as a Financial Advisor at Merrill Lynch, who he had interned with during his college years. He enjoys working side-by-side with Pat, performing many of the duties he currently manages. Brian and Pat moved their practice to Morgan Stanley in 2020.
Brian’s desire to help others achieve their personal and professional goals is equaled only by his dedication to his community and his family. A former president of Metro Kiwanis, Brian is a Deacon at Chase Park Church of Christ. In his free time, he loves to spend time with his wife, Jessica, and their two daughters. He also enjoys exercise, traveling and dining in different restaurants.
Growing up in Huntsville, Brian always had an interest in finance. After earning his Bachelor’s degree from Freed Hardeman University in 2005, he began his career at Boeing, working in their Finance division for seven years. In 2012, Brian joined Pat Shields as a Financial Advisor at Merrill Lynch, who he had interned with during his college years. He enjoys working side-by-side with Pat, performing many of the duties he currently manages. Brian and Pat moved their practice to Morgan Stanley in 2020.
Brian’s desire to help others achieve their personal and professional goals is equaled only by his dedication to his community and his family. A former president of Metro Kiwanis, Brian is a Deacon at Chase Park Church of Christ. In his free time, he loves to spend time with his wife, Jessica, and their two daughters. He also enjoys exercise, traveling and dining in different restaurants.
About Meg Weaver
As a Senior Registered Associate with more than 3 decades of industry experience, Meg focuses on building strong client relationships and providing superior service. Meg has been a member of the Morgan Stanley family since 2020.
Meg began her career in financial services in 1986, upon earning her B.A. from Converse College in Spartanburg, SC. Prior to joining Morgan Stanley, Meg worked at Merrill Lynch as a Registered Senior Client Associate as well as an Assistant to the Office Manager. While at Merrill, Meg was recognized as the “Client Associate of the Year” four times in her region. Today, Meg maintains her FINRA Series 7, 63 and 65 licenses and enjoys working directly with clients, helping them simplify their lives and achieve their financial goals.
A native of Mississippi, Meg and her husband, Wade, have been calling Huntsville home for over 30 years and are passionate about giving back to their community. She is a past president and former board member of the Junior League of Huntsville, having been an active member for 15 years and is currently a sustaining member. Meg has also served two 6 year terms on the Huntsville Library Foundation Board, having served as Chairman of the Board for three years. Through Morgan Stanley, she has become involved with volunteer work at Manna House, a local Huntsville charitable organization. She and her husband are members of the Episcopal Church of the Nativity.
Outside of the office, Meg and Wade enjoy an active lifestyle. Spending time with friends and family is high on their priority list. They also love to travel, hike and follow golf, baseball and football.
Meg began her career in financial services in 1986, upon earning her B.A. from Converse College in Spartanburg, SC. Prior to joining Morgan Stanley, Meg worked at Merrill Lynch as a Registered Senior Client Associate as well as an Assistant to the Office Manager. While at Merrill, Meg was recognized as the “Client Associate of the Year” four times in her region. Today, Meg maintains her FINRA Series 7, 63 and 65 licenses and enjoys working directly with clients, helping them simplify their lives and achieve their financial goals.
A native of Mississippi, Meg and her husband, Wade, have been calling Huntsville home for over 30 years and are passionate about giving back to their community. She is a past president and former board member of the Junior League of Huntsville, having been an active member for 15 years and is currently a sustaining member. Meg has also served two 6 year terms on the Huntsville Library Foundation Board, having served as Chairman of the Board for three years. Through Morgan Stanley, she has become involved with volunteer work at Manna House, a local Huntsville charitable organization. She and her husband are members of the Episcopal Church of the Nativity.
Outside of the office, Meg and Wade enjoy an active lifestyle. Spending time with friends and family is high on their priority list. They also love to travel, hike and follow golf, baseball and football.
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CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
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.
6Morgan 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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
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.
6Morgan 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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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)
