Elena M Kochman, CFP®
Senior Vice President, Financial Advisor, Senior Portfolio Management Director, Financial Planning Specialist
Phone:
(703) 394-1982(703) 394-1982
The Monument Group at Morgan Stanley
Direct:
(703) 394-1979(703) 394-1979
Toll-Free:
(800) 336-0156(800) 336-0156
Our Mission Statement
To deliver tailored financial solutions that seek to unlock the power of your wealth and simplify your financial life.
Unlocking the Power of Your Wealth
As you become more successful and your financial world becomes more complex, careful planning and tailored advice become even more important to achieving your career and life goals.
At The Monument Group, we understand the challenges you face. We provide a personalized approach to wealth management that strive to help you unlock the power of your wealth while simplifying your financial life.
With offices right outside our country’s Capitol and clients all over the country, we’ve built our practice on a foundation of sound investment principles that seek to provide financial strength and stability to you and your family now and for the years ahead.
Our consultative approach covers the spectrum of customized financial solutions – from putting your children through college and preparing for retirement to caring for aging parents and leaving a lasting legacy. We combine our many talents with the global resources of Morgan Stanley to create a wealth management experience that is uniquely yours.
As you begin to work with us, you will experience a premium level of service that prioritizes your best interests and aims to exceed your expectations every day. We are proud of the personalized strategies we provide each client and welcome the opportunity to deliver this same level of excellence to you and your family.
At The Monument Group, we understand the challenges you face. We provide a personalized approach to wealth management that strive to help you unlock the power of your wealth while simplifying your financial life.
With offices right outside our country’s Capitol and clients all over the country, we’ve built our practice on a foundation of sound investment principles that seek to provide financial strength and stability to you and your family now and for the years ahead.
Our consultative approach covers the spectrum of customized financial solutions – from putting your children through college and preparing for retirement to caring for aging parents and leaving a lasting legacy. We combine our many talents with the global resources of Morgan Stanley to create a wealth management experience that is uniquely yours.
As you begin to work with us, you will experience a premium level of service that prioritizes your best interests and aims to exceed your expectations every day. We are proud of the personalized strategies we provide each client and welcome the opportunity to deliver this same level of excellence to you and your family.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- 401(k) Rollovers
- Alternative InvestmentsFootnote4
- Cash ManagementFootnote5
- Planning for Education FundingFootnote6
- Business Succession PlanningFootnote7
- Philanthropic Services
- Donor Advised Funds
- Sustainable InvestingFootnote8
- Estate Planning StrategiesFootnote9
- Lending Products
- Long Term Care InsuranceFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Investing With Discipline
The hallmark of our wealth management process is a longstanding commitment to building customized solutions from the ground up, utilizing our experience, wisdom and the intellectual capital of Morgan Stanley. Our goals-based approach leads to strategies that are not only designed to reach specific financial targets, but are reflective of who you are and how you plan to enjoy the wealth you’ve worked hard to achieve.
1: Discovery
We begin with a conversation to understand your priorities. This is your opportunity to learn about us, as we get to know you. We then review your financial documents to fully understand your current financial situation.
2: Analysis
We utilize a variety of planning and risk analysis tools to identify appropriate solutions and then stress-test each recommendation before formalizing your custom plan.
3: Presentation
We present your plan in detail, which includes investment recommendations, as well as other strategies aimed at reducing risk, minimizing taxes, and achieving your estate planning goals. Based on our discussion, we will revise your plan accordingly.
4. Implementation
Upon your approval, we begin to implement each strategy. We collaborate with your CPA and estate attorney to help ensure continuity. We believe in full transparency and keep you involved each step of the way.
5: Ongoing Service
We meet with you regularly to track performance towards your goals, discuss changes in your life, and update our strategies as needed.
Valuable Tools and Resources
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth.
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
Investment Advisory
Manage your investments within a holistic advisory relationship and take advantage of integrated tax, risk management and estate planning benefits across your entire wealth strategy—backed by leading insights and one of the financial industry's most comprehensive, multi-award-winning advisory platform.
529 Education Savings Plans
529 plans offer a flexible, tax-advantaged way to invest for education expenses while helping to improve estate planning. Gain fiduciary oversight of your education funding strategy within the context of your broader portfolio through the exclusive Morgan Stanley National Advisory 529 Plan.
529 Plan Options at Morgan Stanley
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income. From simplified vehicles available more broadly to institutional strategies, the platform supports a goals-based approach for asset allocation tailored to investor needs.
Morgan Stanley Alternative Investments
Socially Responsible Investing
Our Investing with Impact platform has designed a proprietary process to identify your impact priorities and match them with one of our 360+ investment strategies or customizable portfolio solutions across asset classes, to tailor your portfolio and monitor both financial and impact results over time.
Morgan Stanley Investing with Impact
Donor Advised Funds (DAF)
A solution that may help you execute planned giving, offer an efficient way to donate complex and illiquid assets, and simplify charitable giving reporting while potentially mitigating taxes. Bring philanthropy into your wealth plan and help amplify the impact of your giving through the Morgan Stanley Global Impact Funding Trust (MS GIFT).
MS GIFTManaging Your Money in the 21st Century
At The Monument Group, we are proud to work at Morgan Stanley, a global leader in financial services with a long history of putting the needs of clients first. Our firm strives to ensure that its technology platforms are resilient, safe, efficient, smart, fast and flexible. As a part of our services, these resources are readily available to our clients. We would be glad to assist you in signing up or learning more about these services.
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
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our cutting edge tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll TodayLocation
1650 Tysons Blvd
Suite 1000
McLean, VA 22102
US
Direct:
(703) 394-1979(703) 394-1979
Toll-Free:
(800) 336-0156(800) 336-0156
Meet The Monument Group
Adam Giles
Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(703) 394-1928(703) 394-1928
Sarah R. Brasington, CFP®
Financial Advisor, Financial Planning Specialist
Phone:
(703) 394-1990(703) 394-1990
Jackie Huynh
Assistant Vice President, Senior Registered Associate
Phone:
(703) 394-1979(703) 394-1979
About Elena M Kochman
Elena Kochman, Senior Vice President, Financial Advisor, Senior Portfolio Management Director, Financial Planning Specialist, CERTIFIED FINANCIAL PLANNER
A partner of the Monument Group at Morgan Stanley and with over a decade of industry experience, Elena is lead manager for client’s interested in discretionary Social Impact Investing. Elena also helps clients manage and identify the appropriate investment vehicles to meet their charitable goals using Donor Advised Funds, Private Foundations, Charitable Remainder Trusts or other charitable structure seeking to maximize the positive impact to the charity and the client. Whether a checkbook philanthropist, or the desire to create a lasting legacy, Elena strategizes with the families and individuals to create the story and achieve the impact they wish to implement.
Elena is also responsible for developing tailored financial plans, including risk management analysis, to meet client’s short and long term financial goals and is integral in executing core strategies for the team.
Elena received her Bachelor of Arts degree in Biology with a minor in Business Administration from the University of Delaware and earned her Certified Financial Planning designation in 2011. Elena is currently a member of the Rainmaker’s Giving Circle whose mission is to improve the lives of economically vulnerable girls and women age 21 or younger by supporting programs that help them develop useful life skills, improve their self-esteem and achieve their full potential.
Professional Details
CERTIFIED FINANCIAL PLANNER™
BA - Biology
University of Delaware
Newark, DE
Series 7 - General Securities Representative
Series 66 - Combined Investment Advisory Agent & Uniform State Exam
Series 31 - Managed Futures & Commodities
Life, Health & Variable Annuities Insurance Licensed
Senior Vice President
Senior Portfolio Manager
Financial Planning Specialist designation
Named to Forbes Top Women Advisor for 2022.
Named to Working Mother Magazine's list of Top Wealth Advisor Moms in 2020.
Named to Working Mother Magazine's list of Top Wealth Advisor Moms in 2019.
Named to Forbes Best-in-State Next-Gen Wealth Advisors in 2019.
Named to Forbes list of America's Top Next-Generation Wealth Advisors in 2018.
Named to Working Mother Magazine's list of Top Wealth Advisor Moms in 2018.
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
Source: Forbes.com (Awarded Feb 2022) Data compiled by SHOOK Research LLC based on time period from 9/30/20 - 9/30/21.
2018 - 2020 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2018 - 2020). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
2018 - 2019 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2018 - 2019). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
A partner of the Monument Group at Morgan Stanley and with over a decade of industry experience, Elena is lead manager for client’s interested in discretionary Social Impact Investing. Elena also helps clients manage and identify the appropriate investment vehicles to meet their charitable goals using Donor Advised Funds, Private Foundations, Charitable Remainder Trusts or other charitable structure seeking to maximize the positive impact to the charity and the client. Whether a checkbook philanthropist, or the desire to create a lasting legacy, Elena strategizes with the families and individuals to create the story and achieve the impact they wish to implement.
Elena is also responsible for developing tailored financial plans, including risk management analysis, to meet client’s short and long term financial goals and is integral in executing core strategies for the team.
Elena received her Bachelor of Arts degree in Biology with a minor in Business Administration from the University of Delaware and earned her Certified Financial Planning designation in 2011. Elena is currently a member of the Rainmaker’s Giving Circle whose mission is to improve the lives of economically vulnerable girls and women age 21 or younger by supporting programs that help them develop useful life skills, improve their self-esteem and achieve their full potential.
Professional Details
CERTIFIED FINANCIAL PLANNER™
BA - Biology
University of Delaware
Newark, DE
Series 7 - General Securities Representative
Series 66 - Combined Investment Advisory Agent & Uniform State Exam
Series 31 - Managed Futures & Commodities
Life, Health & Variable Annuities Insurance Licensed
Senior Vice President
Senior Portfolio Manager
Financial Planning Specialist designation
Named to Forbes Top Women Advisor for 2022.
Named to Working Mother Magazine's list of Top Wealth Advisor Moms in 2020.
Named to Working Mother Magazine's list of Top Wealth Advisor Moms in 2019.
Named to Forbes Best-in-State Next-Gen Wealth Advisors in 2019.
Named to Forbes list of America's Top Next-Generation Wealth Advisors in 2018.
Named to Working Mother Magazine's list of Top Wealth Advisor Moms in 2018.
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State
Source: Forbes.com (Awarded Feb 2022) Data compiled by SHOOK Research LLC based on time period from 9/30/20 - 9/30/21.
2018 - 2020 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2018 - 2020). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
2018 - 2019 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2018 - 2019). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Securities Agent: VT, CA, OH, NV, WA, NJ, NC, KY, NY, MT, GA, FL, CT, CO, WV, OR, VA, IN, IL, AZ, TX, RI, NH, NE, MI, MA, DE, DC, MN, HI, SC, PA, MD; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1295631
NMLS#: 1295631
About Adam Giles
Adam Giles, Vice President, Financial Advisor, Senior Portfolio Manager
Adam joined the Monument Group in 2016 as a partner after 8 successful years in the industry. He is actively involved in providing solutions in equities, fixed income and ETFs to existing clients. His focus is fixed income securities and alternative investments including private placement, hedge funds and real estate investment trusts.
Adam received his Bachelor of Science degree in Corporate Finance from Virginia Tech and his Certificate in Financial Planning from Georgetown University in 2014.
Professional Details
Bachelor of Science - Corporate Finance
Virginia Tech
Blacksburg, VA
Series 7 - General Securities Representative
Series 66 - Combined Investment Advisory Agent & Uniform State Exam
Life, Health & Variable Annuities Insurance Licensed
The investments and services listed may not be suitable for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
Adam joined the Monument Group in 2016 as a partner after 8 successful years in the industry. He is actively involved in providing solutions in equities, fixed income and ETFs to existing clients. His focus is fixed income securities and alternative investments including private placement, hedge funds and real estate investment trusts.
Adam received his Bachelor of Science degree in Corporate Finance from Virginia Tech and his Certificate in Financial Planning from Georgetown University in 2014.
Professional Details
Bachelor of Science - Corporate Finance
Virginia Tech
Blacksburg, VA
Series 7 - General Securities Representative
Series 66 - Combined Investment Advisory Agent & Uniform State Exam
Life, Health & Variable Annuities Insurance Licensed
The investments and services listed may not be suitable for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
Securities Agent: FL, KY, WV, AZ, WY, WA, NH, MA, DC, TN, OH, NY, MT, MI, CO, VA, UT, TX, MD, IN, CT, CA, PA, DE, HI, NE, NJ, GA, VT, SC, NC, IL, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1301180
NMLS#: 1301180
About Sarah R. Brasington
Sarah Brasington, Financial Advisor, Financial Planning Specialist, CERTIFIED FINANCIAL PLANNER™
Joining in early 2022, Sarah is the newest member of the Monument Group at Morgan Stanley. With a focus on financial planning, Sarah’s goals-based process begins with asking the right questions and actively listening. This ongoing dialogue serves as the foundation of a comprehensive strategy that reflects each client’s goals for the future. Once created, she stress-tests the plan and carefully considers the full range of risks and the impact they could have on a client’s possibility of outcomes. Sarah then identifies appropriate investment strategies for each goal with risk management at the forefront.
Sarah earned both her Bachelor of Science in Psychology and Master of Science in Management from George Mason University. She earned her CFP® designation in 2020. Outside of the office, Sarah participates in several charitable activities during the year including the Walk to End Alzheimer’s in Bethel, NY. She also plays co-ed soccer in the Fairfax County area and has an adorable goldendoodle puppy, Sonny.
Professional Details
CERTIFIED FINANCIAL PLANNER™
M.S.M. – Management
George Mason University
Arlington, VA
Bachelor of Science – Psychology
George Mason University
Fairfax, VA
Series 7 – General Securities Representative
Series 66 – Combined Investment Advisory Agent & Uniform State Exam
Life, Health, & Variable Annuities Insurance Licensed
Financial Planning Specialist designation
Joining in early 2022, Sarah is the newest member of the Monument Group at Morgan Stanley. With a focus on financial planning, Sarah’s goals-based process begins with asking the right questions and actively listening. This ongoing dialogue serves as the foundation of a comprehensive strategy that reflects each client’s goals for the future. Once created, she stress-tests the plan and carefully considers the full range of risks and the impact they could have on a client’s possibility of outcomes. Sarah then identifies appropriate investment strategies for each goal with risk management at the forefront.
Sarah earned both her Bachelor of Science in Psychology and Master of Science in Management from George Mason University. She earned her CFP® designation in 2020. Outside of the office, Sarah participates in several charitable activities during the year including the Walk to End Alzheimer’s in Bethel, NY. She also plays co-ed soccer in the Fairfax County area and has an adorable goldendoodle puppy, Sonny.
Professional Details
CERTIFIED FINANCIAL PLANNER™
M.S.M. – Management
George Mason University
Arlington, VA
Bachelor of Science – Psychology
George Mason University
Fairfax, VA
Series 7 – General Securities Representative
Series 66 – Combined Investment Advisory Agent & Uniform State Exam
Life, Health, & Variable Annuities Insurance Licensed
Financial Planning Specialist designation
Securities Agent: MT, CA, NY, NH, MN, HI, TX, SC, OH, MI, MA, FL, AZ, PA, CT, CO, NE, KY, IL, VT, WV, VA, NJ, GA, DC, NC, MD, IN, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 2110652
NMLS#: 2110652
About Jackie Huynh
Jackie Huynh - Assistant Vice President
Jackie began her career at Morgan Stanley in 2005. She focuses on our client's administrative needs and strives to provide a high level of client service. Her responsibilities include opening and updating client accounts, preparation of client reviews, processing service requests and extensive operational support. She is responsible for our team's client service model and providing a positive client experience.
Jackie graduated from George Mason University in 2005 with a Bachelor of Science in Finance and became a registered associate in 2010. Jackie is also fluent in Cantonese.
Professional Details
Bachelor of Science - Finance
George Mason University
Series 7 - General Securities Representative
Series 63 - Uniform Securities Agent State Law Exam
Series 65 - Uniform Investment Adviser Law Exam
Life, Health, & Variable Annuities Insurance Licensed
Fluent in Cantonese
Jackie began her career at Morgan Stanley in 2005. She focuses on our client's administrative needs and strives to provide a high level of client service. Her responsibilities include opening and updating client accounts, preparation of client reviews, processing service requests and extensive operational support. She is responsible for our team's client service model and providing a positive client experience.
Jackie graduated from George Mason University in 2005 with a Bachelor of Science in Finance and became a registered associate in 2010. Jackie is also fluent in Cantonese.
Professional Details
Bachelor of Science - Finance
George Mason University
Series 7 - General Securities Representative
Series 63 - Uniform Securities Agent State Law Exam
Series 65 - Uniform Investment Adviser Law Exam
Life, Health, & Variable Annuities Insurance Licensed
Fluent in Cantonese
Securities Agent: AZ, OR, MO, ME, IN, GA, VT, TX, MT, IL, IA, DE, WY, WI, UT, NY, WA, SC, PA, KY, CA, RI, LA, CO, AR, WV, VA, TN, NH, MS, MN, MA, HI, OK, NV, NC, DC, MI, CT, KS, AL, OH, NM, NJ, NE, MD, FL; General Securities Representative; Investment Advisor Representative
Contact Elena M Kochman
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Contact Sarah R. Brasington
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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
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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
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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
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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
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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 Monument 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.
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.
4Alternative 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.
5Morgan 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
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Morgan 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.
8Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
9Morgan 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
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.
4Alternative 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.
5Morgan 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
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Morgan 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.
8Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
9Morgan 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
