Martin C. Parquette, CPM®
Managing Director, Wealth Management, Financial Advisor, Family Wealth Director, Senior Portfolio Management Director
Phone:
(617) 589-3248(617) 589-3248
The MPD Boston Harbor Wealth Management Group at Morgan Stanley
Direct:
(617) 589-3246(617) 589-3246
Toll-Free:
(800) 752-2678(800) 752-2678
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Welcome
Our mission is to provide high quality cradle-to-grave investment management advice to a limited number of high-net-worth individuals and families. Over the years, we’ve noticed that all of our clients –– from business owners to academics to large families –– embody an entrepreneurial spirit. They’ve forged their own paths and achieved success on their own terms.
MPD Boston Harbor Wealth Management Group, that entrepreneurial spirit resonates strongly. Each and every day, we pay our respect to the hard work you’ve put in to earn your wealth, by working just as hard to help you protect and grow it for decades to come.
WE GUIDE YOU EVERY STEP OF THE WAY
Whether it’s your transition into retirement, a sudden family emergency, a complex business need, or a simple question like “is now the right time to buy a second home?” –– we help you navigate every step of your financial journey. We view ourselves as client advocates. Our job is to filter out the hyperbole and noise endemic to Wall Street and describe strategies specific to each client’s needs and goals. Even if the challenge requires an outside resource, we’ll stay by your side to help make sure the process goes smoothly. Put simply, we’re in your corner. And we always will be.
WE’RE NEVER DONE LEARNING. EVER.
There are always new challenges on the horizon. New opportunities and new risks. That’s why we’re always seeking new ways to enhance our offering. With the world-class resources of Morgan Stanley, we can help you overcome whatever obstacles you and your loved ones face.
THE PINNACLE OF WEALTH MANAGEMENT
From a Family Wealth Director to a Certified Divorce Financial Analyst® to a CFP®–– our guidance is backed by some of the most elite designations in wealth management, not to mention nearly a century of combined experience. As Senior Portfolio Management Directors, Stuart and Chris have achieved a designation shared by less than 5% of Morgan Stanley Financial Advisors. In addition, the group is responsible for more than $2B in client assets (as of 02/08/2024).
For a second opinion about your current investments, or to talk about your goals, please call us at (617) 589-3217
MPD Boston Harbor Wealth Management Group, that entrepreneurial spirit resonates strongly. Each and every day, we pay our respect to the hard work you’ve put in to earn your wealth, by working just as hard to help you protect and grow it for decades to come.
WE GUIDE YOU EVERY STEP OF THE WAY
Whether it’s your transition into retirement, a sudden family emergency, a complex business need, or a simple question like “is now the right time to buy a second home?” –– we help you navigate every step of your financial journey. We view ourselves as client advocates. Our job is to filter out the hyperbole and noise endemic to Wall Street and describe strategies specific to each client’s needs and goals. Even if the challenge requires an outside resource, we’ll stay by your side to help make sure the process goes smoothly. Put simply, we’re in your corner. And we always will be.
WE’RE NEVER DONE LEARNING. EVER.
There are always new challenges on the horizon. New opportunities and new risks. That’s why we’re always seeking new ways to enhance our offering. With the world-class resources of Morgan Stanley, we can help you overcome whatever obstacles you and your loved ones face.
THE PINNACLE OF WEALTH MANAGEMENT
From a Family Wealth Director to a Certified Divorce Financial Analyst® to a CFP®–– our guidance is backed by some of the most elite designations in wealth management, not to mention nearly a century of combined experience. As Senior Portfolio Management Directors, Stuart and Chris have achieved a designation shared by less than 5% of Morgan Stanley Financial Advisors. In addition, the group is responsible for more than $2B in client assets (as of 02/08/2024).
For a second opinion about your current investments, or to talk about your goals, please call us at (617) 589-3217
Services Include
- Estate Planning StrategiesFootnote1
- Executive Financial ServicesFootnote2
- Financial PlanningFootnote3
- Fixed IncomeFootnote4
- 401(k) Rollovers
- 529 PlansFootnote5
- Asset Management
- Cash ManagementFootnote6
- Retirement PlanningFootnote7
- Trust AccountsFootnote8
- UGMA/UTMAFootnote9
- Wealth ManagementFootnote10
- Alternative InvestmentsFootnote11
- Corporate Retirement PlansFootnote12
- Lending Products
- Municipal BondsFootnote13
- Planning for Education FundingFootnote14
- Trust Services*
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Certifications, Designations & Awards
Our Team has the extensive experience, specialized training, and resources necessary to help our clients address their unique goals and aspirations. Read below to understand more about our designations and how Morgan Stanley can help you achieve your goals.
2022-2023 Boston's Magazine's List of Five Star Wealth Managers
Source: Five Star Professional (Awarded Feb 2023). Data complied by Five Star Professional based on the time period from 05/23/22 - 01/06/23.
View Our Five Star Professional Profile
2019 Managing Directors
View New Managing Directors
Chartered Retirement Planning Counselor
Chartered Retirement Planning CounselorSM , or CRPC® program, is a designation program for financial professionals. This program enables experienced advisors, who are focused on retirement planning for individuals, define a “road map to retirement” for their clients. There is a focus on clients’ pre- and post-retirement needs, as well as issues related to asset management and estate planning. The CRPC® professional designation program will help you discover practical knowledge that is immediately applicable to this evolving planning niche.
Portfolio Management Director (PMD)
The Portfolio Management Director designations allows Financial Advisors to manage investment advisory accounts on a discretionary basis.
Certified Portfolio Manager®
The CPM® curriculum involves in-depth study of fundamental analysis, option valuation, foreign currency exchange, credit default swap structure and valuation analysis, and asset allocation. Working with Consulting Group, we develop and manage portfolios personalized to suit the specific needs of clients.
CERTIFIED FINANCIAL PLANNER™
For 50 years, CERTIFIED FINANCIAL PLANNER™ certification has been the standard of excellence for financial planners. CFP® professionals have met extensive training and experience requirements, and commit to CFP Board's ethical standards that require them to put their clients' interests first. That's why partnering with a CFP® professional gives consumers confidence today and a more secure tomorrow.
Family Wealth Director
At Morgan Stanley, we have an elite group of Financial Advisors who earned the Family Wealth Director designation. It is given to those who have extensive experience working with ultra high net worth families, and who have undergone specialized training. Family Wealth Directors have direct access to an extensive range of resources needed to help highly affluent families manage the complex, multigenerational challenges of managing significant wealth.
The Certified Divorce Financial Analyst (CDFA®)
The Certified Divorce Financial Analyst (CDFA®) Program is designed to prepare you as an expert on the financial aspects of divorce. For many clients, divorce is the largest financial transaction of their lives. The role of a CDFA® professional is to address the special financial issues of divorce with data to help achieve equitable settlements.
OUR Relationship
At the MPD Boston Harbor Wealth Management Group at Morgan Stanley*, our goal is to consistently deliver the highest grade financial advice and excellent client service. As a team, we take our clients trust and managing their assets very seriously. We utilize traditional and non-traditional asset class parings to help manage the risk concerns prevalent today and access some of the industries most desired asset managers that are best suited for our client’s particular goal, need and risk tolerance. In doing this, we put our clients on a level playing field with some of the most sophisticated institutional investment practices in the world.
We have experienced crashes, flash-crashes, wars, panics, Great Recessions, and more than a few bouts of "irrational exuberance." Steady hands and calm voices have always marked our response to volatile markets. Our goal is to act as a salve over a wounded portfolio or the voice of reason when presented with irrational markets.
Working with us, we digest the complexities of the industry and educate our clients-- simplifying your understanding and your financial life while still offering high-level solutions to your most involved issues. Using Morgan Stanley's breadth of resources, products, and services, we are able to offer a variety of unbiased options for our clients. With this open architecture platform, it is our job to find the most appropriate, cost efficient fit for your individual needs. In doing this, our practice is truly client centric.
At Boston Harbor Wealth Management Group, your utmost satisfactory experience is essential to our practice. We strive to be the Family Wealth Office for you, your family and your business.
We have experienced crashes, flash-crashes, wars, panics, Great Recessions, and more than a few bouts of "irrational exuberance." Steady hands and calm voices have always marked our response to volatile markets. Our goal is to act as a salve over a wounded portfolio or the voice of reason when presented with irrational markets.
Working with us, we digest the complexities of the industry and educate our clients-- simplifying your understanding and your financial life while still offering high-level solutions to your most involved issues. Using Morgan Stanley's breadth of resources, products, and services, we are able to offer a variety of unbiased options for our clients. With this open architecture platform, it is our job to find the most appropriate, cost efficient fit for your individual needs. In doing this, our practice is truly client centric.
At Boston Harbor Wealth Management Group, your utmost satisfactory experience is essential to our practice. We strive to be the Family Wealth Office for you, your family and your business.
OUR FAMILY APPROACH
Nothing is more important than family. But sometimes, nothing can seem more challenging than dealing with family matters, especially when money is involved. With a Family Wealth Director heading our team, we’re able to help you achieve a wide range of legacy goals: whether you’re looking to create a nest egg for your children, support your grandchildren’s college education, or make a charitable impact.
We Offer A Family Perspective
Our team members belong to a wide range of generations, and most of us come from large families ourselves. Here’s why that’s important:
• With “fluency” in the perspectives of different age groups, we can communicate effectively with all members of your family.
• We understand how to navigate complex family dynamics, and moreover we see it as part of our job.
• When we take you on as a client, we truly are making a lifelong commitment to you and your loved ones.
• With “fluency” in the perspectives of different age groups, we can communicate effectively with all members of your family.
• We understand how to navigate complex family dynamics, and moreover we see it as part of our job.
• When we take you on as a client, we truly are making a lifelong commitment to you and your loved ones.
Your Legacy, Your Values
According to recent study, 70% of wealthy families lose their wealth by the second generation, and 90% by the third. That’s absolutely unacceptable, and it points to a glaring gap in wealth management: financial education. We strive to close that gap by empowering your adult children and grandchildren with an understanding of how to value, manage, and protect money for long-term security.
A Family Commitment
Divorce. Health concerns. A loved one’s passing. These are highly emotional moments in a person’s life. But they can also create complex financial scenarios. With our clients, we often find ourselves starting sentences: “If this were my mother’s money, here’s what I would do.” That’s because we treat our clients like family members. And like family, we are here for you through thick and thin.
Location
28 State Street 34th Fl
Boston, MA 02109
US
Direct:
(617) 589-3246(617) 589-3246
Toll-Free:
(800) 752-2678(800) 752-2678
Meet The MPD Boston Harbor Wealth Management Group
Phone:
(617) 589-3246(617) 589-3246
Deana R. DeLuca, CDFA®
Senior Vice President, Financial Advisor
Phone:
(617) 589-3220(617) 589-3220
First Vice President, Financial Advisor, Senior Portfolio Manager, Financial Planning Specialist
Phone:
(617) 589-3206(617) 589-3206
Mary Rose Doten
Senior Registered Associate, Financial Planning Associate
Phone:
(617) 589-3456(617) 589-3456
Joseph D. Emma, CFP®
Portfolio Management Associate, Financial Planning Specialist
Phone:
(617) 589-3282(617) 589-3282
Matt D. Moody, CFP®, CRPC®
Wealth Management Associate, Financial Planning Specialist
Phone:
(617) 589-3293(617) 589-3293
Justin T. Joyal
Wealth Management Analyst
Phone:
(617) 589-3269(617) 589-3269
Sarah E. Murphy
Client Service Associate
Phone:
(617) 589-3329(617) 589-3329
About Martin C. Parquette
Martin Parquette is a Managing Director, Financial Advisor, Family Wealth Director, lending specialist and Certified Portfolio Manager® with his team, The MPD Boston Harbor Wealth Management Group at Morgan Stanley in Boston. Martin has been advising and guiding multi-generational family wealth, business owners, and entrepreneurs for more than 30 years.
A graduate of Dean College and the University of Massachusetts, Martin began his career in the financial industry with Dean Witter Reynolds in 1988. He later joined Legg Mason, a predecessor of Morgan Stanley, in 1991 and has remained with the firm ever since. Over the course of his career, Martin has remained dedicated to helping families navigate the complex and unique challenges of multi-generational wealth.
A life-long learner, Martin earned the elite Family Wealth Director designation—held by fewer than 5% of Morgan Stanley advisors )as of December 2024)—through rigorous coursework and practical study. He also obtained the Certified Portfolio Manager® designation through Columbia University. Additionally, he serves as a Portfolio Manager Director at Morgan Stanley.
As a co-founder and principal of his team, Martin brings deep experience, Morgan Stanley’s global resources, and a highly personalized approach to his clients’ financial lives. He has been recognized as a Boston Magazine Five Star Wealth Manager for each of the past 10 years (as of 2025).
Martin is a lifelong resident of the South Shore of Massachusetts and is deeply committed to his community. He serves on the Board of Trustees at Dean College in Franklin, MA. Martin has been committed to supporting HomeStart for over 16 years, primarily as a founder and participant of their Icycle event, which raises critical funds to fight homelessness. His passion for giving back extends to Dean College, where he’s actively involved as a donor and serves on both the Audit and Finance Committees.
In his free time, Martin enjoys spending as much time as possible with his family, flying as a private pilot, alpine skiing, and riding his motorcycle. He is also often seen in the company of his two very large dogs.
A graduate of Dean College and the University of Massachusetts, Martin began his career in the financial industry with Dean Witter Reynolds in 1988. He later joined Legg Mason, a predecessor of Morgan Stanley, in 1991 and has remained with the firm ever since. Over the course of his career, Martin has remained dedicated to helping families navigate the complex and unique challenges of multi-generational wealth.
A life-long learner, Martin earned the elite Family Wealth Director designation—held by fewer than 5% of Morgan Stanley advisors )as of December 2024)—through rigorous coursework and practical study. He also obtained the Certified Portfolio Manager® designation through Columbia University. Additionally, he serves as a Portfolio Manager Director at Morgan Stanley.
As a co-founder and principal of his team, Martin brings deep experience, Morgan Stanley’s global resources, and a highly personalized approach to his clients’ financial lives. He has been recognized as a Boston Magazine Five Star Wealth Manager for each of the past 10 years (as of 2025).
Martin is a lifelong resident of the South Shore of Massachusetts and is deeply committed to his community. He serves on the Board of Trustees at Dean College in Franklin, MA. Martin has been committed to supporting HomeStart for over 16 years, primarily as a founder and participant of their Icycle event, which raises critical funds to fight homelessness. His passion for giving back extends to Dean College, where he’s actively involved as a donor and serves on both the Audit and Finance Committees.
In his free time, Martin enjoys spending as much time as possible with his family, flying as a private pilot, alpine skiing, and riding his motorcycle. He is also often seen in the company of his two very large dogs.
Securities Agent: KY, AK, WA, VA, TX, OR, ME, ID, WY, SD, NJ, DE, CO, WI, NY, NH, AZ, AL, MI, IL, RI, NM, NC, MN, SC, PA, MD, IN, MA, CA, TN, LA, GA, FL, DC, VT, OH, OK, NV, CT; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1446195
NMLS#: 1446195
About Christopher D. Doucette
Born and raised on the north shore of Massachusetts, Chris didn’t stray far for college and attended Suffolk University in downtown Boston. During his time in school, Chris primarily focused on history, specifically European history, with the intention of one day becoming a professor. Following his graduation in 2004, Chris pivoted away from his scholarly pursuits and began his career as a financial advisor at Morgan Stanley – also in downtown Boston. He joined the firm in 2005 and is a co-founder of the MPD Boston Harbor Wealth Management Group an Managing Director and a Senior Portfolio Management Director.
Chris has brought his passion for education into his profession of financial planning, always dedicating a significant amount of time educating his clients both on the economic landscape as well as the capital markets and how they affect their personal financial plan. Chris leads with learning, a skill he developed in school, as he believes that knowledge empowers personal confidence and is the key to financial literacy. While he appreciates the trust his clients have bestowed upon him and his team, Chris will often stress the need for his clients to understand their actions and take ownership in the decision-making process.
When not in the office, Chris prefers to spend time with his family back up on the north shore. His wife, Liz, and two children, Sawyer and Finley, are his world. Baseball, music, mountain biking and cooking keep him busy and are the primary hobbies that he is trying to impart on his kids. And while he may no longer study history, he certainly considers himself a history buff.
Chris has brought his passion for education into his profession of financial planning, always dedicating a significant amount of time educating his clients both on the economic landscape as well as the capital markets and how they affect their personal financial plan. Chris leads with learning, a skill he developed in school, as he believes that knowledge empowers personal confidence and is the key to financial literacy. While he appreciates the trust his clients have bestowed upon him and his team, Chris will often stress the need for his clients to understand their actions and take ownership in the decision-making process.
When not in the office, Chris prefers to spend time with his family back up on the north shore. His wife, Liz, and two children, Sawyer and Finley, are his world. Baseball, music, mountain biking and cooking keep him busy and are the primary hobbies that he is trying to impart on his kids. And while he may no longer study history, he certainly considers himself a history buff.
Securities Agent: AK, DC, PA, NJ, ME, LA, DE, CT, WY, OR, FL, ID, CO, SC, NH, WI, TN, RI, NC, VT, NM, IN, GA, NY, MN, MD, AZ, TX, OH, IL, AL, WA, VA, SD, PR, NV, MA, CA, MI, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 1395603
NMLS#: 1395603
About Deana R. DeLuca
A Massachusetts native who has called Boston home her entire life, Deana DeLuca graduated magna cum laude from Salem State University with a degree in Finance and double minors in Economics and Pre-Legal Studies. Deana began her career at Morgan Stanley immediately after graduation and has remained dedicated to her clients ever since. While her expertise and industry knowledge have expanded over the years, her unwavering commitment to her clients remains at the heart of her practice.
As a Senior Vice President, Financial Advisor, and Certified Divorce Financial Analyst® with The MPD Boston Harbor Wealth Management Group, Deana brings over 14 years of experience helping high-net-worth clients navigate complex financial challenges and achieve meaningful financial goals. Leveraging Morgan Stanley’s industry-leading resources, exclusive products, and comprehensive services, Deana delivers a full-service approach tailored to each client’s unique needs.
Growing up in a large Italian family, Deana developed a deep understanding of the complexities of family finances. Now raising a large family of her own, she has a firsthand appreciation for the importance of capital preservation, strategic planning, and the generational transfer of wealth. Her personal experience strengthens her ability to guide clients through similar challenges with insight and empathy.
Deana lives just north of Boston with her husband and their four children. A devoted parent, her favorite moments are spent with family—whether it's traveling, cheering at a sports event, or cooking together at home. Though she’s set aside her own sports equipment, she’s her children’s biggest fan and one of Boston’s most loyal supporters.
Committed to giving back, Deana volunteers with One Wish Project, helping provide birthday celebrations to children in foster care and homeless shelters across Massachusetts. She also supports organizations including Homestart, Run to Home Base, St. Jude’s, Operation Gratitude, and Boston Children’s Hospital. Deana’s dedication to helping others extends beyond her professional life, reinforcing her core belief in making a meaningful difference.
As a Senior Vice President, Financial Advisor, and Certified Divorce Financial Analyst® with The MPD Boston Harbor Wealth Management Group, Deana brings over 14 years of experience helping high-net-worth clients navigate complex financial challenges and achieve meaningful financial goals. Leveraging Morgan Stanley’s industry-leading resources, exclusive products, and comprehensive services, Deana delivers a full-service approach tailored to each client’s unique needs.
Growing up in a large Italian family, Deana developed a deep understanding of the complexities of family finances. Now raising a large family of her own, she has a firsthand appreciation for the importance of capital preservation, strategic planning, and the generational transfer of wealth. Her personal experience strengthens her ability to guide clients through similar challenges with insight and empathy.
Deana lives just north of Boston with her husband and their four children. A devoted parent, her favorite moments are spent with family—whether it's traveling, cheering at a sports event, or cooking together at home. Though she’s set aside her own sports equipment, she’s her children’s biggest fan and one of Boston’s most loyal supporters.
Committed to giving back, Deana volunteers with One Wish Project, helping provide birthday celebrations to children in foster care and homeless shelters across Massachusetts. She also supports organizations including Homestart, Run to Home Base, St. Jude’s, Operation Gratitude, and Boston Children’s Hospital. Deana’s dedication to helping others extends beyond her professional life, reinforcing her core belief in making a meaningful difference.
Securities Agent: OH, NY, RI, AZ, CA, NH, GA, CO, WY, OR, OK, MD, LA, ID, AL, WA, VT, NV, NM, NJ, CT, AK, WI, TN, MA, NC, MI, FL, TX, IL, DE, VA, SD, MN, KY, IN, SC, PA, ME, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1297730
NMLS#: 1297730
About Christine L. Koenig
A lifelong resident of Massachusetts, Christine grew up in Boston’s MetroWest before heading south for college. She graduated from Elon University with a degree in Business Administration, concentrating in International Business, and completed a Minor in Spanish. Her studies included a semester in Seville, Spain, where she developed a deep appreciation for the language and culture. After graduation, she returned to Spain to spend a year in Barcelona, teaching corporate and conversational English. Christine’s fluency in Spanish is the result of years of disciplined study and full cultural immersion — an experience that honed her ability to connect with people across diverse backgrounds, a skill that now serves her well in her work with clients.
Christine has dedicated her entire career to Morgan Stanley, joining in 2013 as a Client Service Associate before advancing to her current role as a First Vice President and Financial Advisor with The MPD Boston Harbor Wealth Management Group. Over the years, she has built a reputation for providing highly personalized service, taking the time to understand her clients’ unique goals and guiding them toward tailored solutions. Her approach is grounded in the belief that financial success begins with clarity: a well-crafted financial plan that simplifies complexity and positions clients for long-term success.
In pursuit of professional excellence, Christine holds the designations of Financial Planning Specialist, Senior Portfolio Manager, and is a Certified Divorce Financial Analyst® practitioner. These certifications have equipped her to address the intricate financial needs of her clients with precision and insight. Leveraging both her expertise and the collective strength of the MPD Boston Harbor Wealth Management Group, Christine delivers sophisticated strategies designed to preserve and grow wealth across generations.
Christine resides in Boston’s historic Fort Point neighborhood. Outside of work, she enjoys traveling, skiing, cooking, and spending time at the beach. She is actively involved in supporting causes close to her heart, including the Susan G. Komen Breast Cancer Foundation, The Ellie Fund, Brigham & Women’s Hospital, Homestart, and The Greater Boston Food Bank — reflecting her deep commitment to giving back to the community.
Christine has dedicated her entire career to Morgan Stanley, joining in 2013 as a Client Service Associate before advancing to her current role as a First Vice President and Financial Advisor with The MPD Boston Harbor Wealth Management Group. Over the years, she has built a reputation for providing highly personalized service, taking the time to understand her clients’ unique goals and guiding them toward tailored solutions. Her approach is grounded in the belief that financial success begins with clarity: a well-crafted financial plan that simplifies complexity and positions clients for long-term success.
In pursuit of professional excellence, Christine holds the designations of Financial Planning Specialist, Senior Portfolio Manager, and is a Certified Divorce Financial Analyst® practitioner. These certifications have equipped her to address the intricate financial needs of her clients with precision and insight. Leveraging both her expertise and the collective strength of the MPD Boston Harbor Wealth Management Group, Christine delivers sophisticated strategies designed to preserve and grow wealth across generations.
Christine resides in Boston’s historic Fort Point neighborhood. Outside of work, she enjoys traveling, skiing, cooking, and spending time at the beach. She is actively involved in supporting causes close to her heart, including the Susan G. Komen Breast Cancer Foundation, The Ellie Fund, Brigham & Women’s Hospital, Homestart, and The Greater Boston Food Bank — reflecting her deep commitment to giving back to the community.
Securities Agent: DE, AK, VA, OH, CO, NY, NV, NM, ID, WA, NH, NC, MI, MD, DC, RI, PA, IN, VT, PR, CT, OR, AL, TX, LA, FL, CA, WI, ME, KY, AZ, WY, SD, NJ, MN, IL, TN, SC, MA, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 2393920
NMLS#: 2393920
About Mary Rose Doten
Born in Boston and raised in Quincy, Mary Rose is a seasoned Senior Registered Associate at Morgan Stanley, where she has been a valued team member since beginning her financial services career in 1998. She holds Series 7 and 63 licenses and has earned the prestigious designation of Financial Planning Specialist through Morgan Stanley.
Mary Rose is a proud graduate of Northeastern University, where she received her bachelor’s degree in accounting with a concentration in auditing and taxation. Her strong academic foundation and attention to detail continue to guide her in delivering exceptional service to clients.
Committed to staying current with industry regulations, financial trends, and evolving client needs, Mary Rose actively participates in the ongoing training programs provided by Morgan Stanley. These initiatives help ensure that she remains well-informed and able to address even the most complex financial matters with confidence.
At the core of Mary Rose’s professional philosophy is a deep commitment to advocacy and personalized service. She prioritizes understanding each client’s individual goals, concerns, and circumstances, building meaningful relationships based on trust and care. Whether discussing financial plans or catching up on a client’s family news, Mary Rose brings warmth, dedication, and a thoughtful approach to every interaction.
Outside the office, Mary Rose enjoys spending quality time with her family and exploring the outdoors during New England’s pleasant seasons. She is also an avid traveler, with a love for both local adventures and international destinations.
Mary Rose is a proud graduate of Northeastern University, where she received her bachelor’s degree in accounting with a concentration in auditing and taxation. Her strong academic foundation and attention to detail continue to guide her in delivering exceptional service to clients.
Committed to staying current with industry regulations, financial trends, and evolving client needs, Mary Rose actively participates in the ongoing training programs provided by Morgan Stanley. These initiatives help ensure that she remains well-informed and able to address even the most complex financial matters with confidence.
At the core of Mary Rose’s professional philosophy is a deep commitment to advocacy and personalized service. She prioritizes understanding each client’s individual goals, concerns, and circumstances, building meaningful relationships based on trust and care. Whether discussing financial plans or catching up on a client’s family news, Mary Rose brings warmth, dedication, and a thoughtful approach to every interaction.
Outside the office, Mary Rose enjoys spending quality time with her family and exploring the outdoors during New England’s pleasant seasons. She is also an avid traveler, with a love for both local adventures and international destinations.
About Joseph D. Emma
Originally from Middleton, MA, Joe now lives in Wakefield with his wife, Julia, and their dog, Bruno. He is a graduate of Bentley University, where he earned a degree in Economics-Finance with a minor in Entrepreneurial Studies—an academic path that laid the groundwork for his interest in markets and client-focused financial strategy.
Joe began his career at Morgan Stanley in 2019, joining the MPD Boston Harbor Wealth Management Group as a Client Service Associate. Since then, he has grown into the role of Portfolio Management Associate and earned his CERTIFIED FINANCIAL PLANNER™ certification. At the firm, Joe leads the trading and market research efforts for managed portfolios and plays a key role in implementing financial plans tailored to each client’s goals.
Known for his thoughtful approach and attention to detail, Joe is committed to helping clients navigate the complexities of investing and financial planning with clarity and confidence.
Outside of work, Joe enjoys playing hockey and golf, cooking, and spending time with his family.
Joe began his career at Morgan Stanley in 2019, joining the MPD Boston Harbor Wealth Management Group as a Client Service Associate. Since then, he has grown into the role of Portfolio Management Associate and earned his CERTIFIED FINANCIAL PLANNER™ certification. At the firm, Joe leads the trading and market research efforts for managed portfolios and plays a key role in implementing financial plans tailored to each client’s goals.
Known for his thoughtful approach and attention to detail, Joe is committed to helping clients navigate the complexities of investing and financial planning with clarity and confidence.
Outside of work, Joe enjoys playing hockey and golf, cooking, and spending time with his family.
About Matt D. Moody
Matt was born and raised in North Andover, MA, and now resides in Boston. He is a 2019 graduate of Fairfield University, where he earned a Bachelor of Science in Finance. Matt began his career in wealth management in 2020, bringing with him a strong foundation in financial analysis and client service. He joined MPD Boston Harbor Wealth Management Group in early 2022, where he serves as a Wealth Management Associate and holds the CERTIFIED FINANCIAL PLANNER™ designation.
Matt’s responsibilities span comprehensive financial planning, portfolio analytics, and market research. He plays a key role in maintaining the team’s client-centric service model, with a focus on delivering clarity and confidence in all aspects of clients' financial lives. His thoughtful and detail-oriented approach helps ensure each client feels supported, informed, and empowered.
Outside of the office, Matt is an enthusiastic Boston sports fan and enjoys skiing, watersports, basketball, and lacrosse. He also has a strong commitment to giving back. Over the past several years, he has served as captain of the Morgan Stanley ICycle team, raising funds and awareness for HomeStart, an organization dedicated to ending homelessness.
Matt’s responsibilities span comprehensive financial planning, portfolio analytics, and market research. He plays a key role in maintaining the team’s client-centric service model, with a focus on delivering clarity and confidence in all aspects of clients' financial lives. His thoughtful and detail-oriented approach helps ensure each client feels supported, informed, and empowered.
Outside of the office, Matt is an enthusiastic Boston sports fan and enjoys skiing, watersports, basketball, and lacrosse. He also has a strong commitment to giving back. Over the past several years, he has served as captain of the Morgan Stanley ICycle team, raising funds and awareness for HomeStart, an organization dedicated to ending homelessness.
About Justin T. Joyal
Originally from Lyndonville, VT, Justin now resides in Brighton, MA. He is a graduate of the University of Vermont, where he earned a degree in Business Administration with a concentration in Finance. His interest in client service and operations within the financial industry led him to join Morgan Stanley and the MPD Boston Harbor Wealth Management Group in 2022.
As a Wealth Management Analyst, Justin plays an integral role in delivering a seamless client experience. He manages the onboarding process for new clients, facilitates account transfers, and supports a range of service-related inquiries with care and efficiency. His approachable demeanor and problem-solving mindset help ensure that clients feel supported at every stage of their financial journey.
Outside the office, Justin is a passionate sports fan who enjoys skiing, camping, and fishing—often making trips back to Vermont to enjoy the outdoors.
As a Wealth Management Analyst, Justin plays an integral role in delivering a seamless client experience. He manages the onboarding process for new clients, facilitates account transfers, and supports a range of service-related inquiries with care and efficiency. His approachable demeanor and problem-solving mindset help ensure that clients feel supported at every stage of their financial journey.
Outside the office, Justin is a passionate sports fan who enjoys skiing, camping, and fishing—often making trips back to Vermont to enjoy the outdoors.
About Sarah E. Murphy
A Boston native, Sarah attended Ithaca College, where she earned a degree in Applied Psychology—an academic background that informs her thoughtful, client-centered approach to service. In 2025, she joined Morgan Stanley and the MPD Boston Harbor Wealth Management Group as a Client Service Associate.
In her role, Sarah supports the onboarding of new clients, facilitates account transfers, and manages day-to-day service needs. She is dedicated to delivering a seamless and responsive experience for each client, ensuring that questions are answered promptly and processes run smoothly.
Outside of the office, Sarah enjoys baking, reading, running, and playing the piano—activities that reflect both her creativity and discipline
In her role, Sarah supports the onboarding of new clients, facilitates account transfers, and manages day-to-day service needs. She is dedicated to delivering a seamless and responsive experience for each client, ensuring that questions are answered promptly and processes run smoothly.
Outside of the office, Sarah enjoys baking, reading, running, and playing the piano—activities that reflect both her creativity and discipline
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The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Jessica Birkins
Private Banker
About Jessica Birkins
Jessica Birkins is a Private Banker | Market Manager serving Morgan Stanley Wealth Management offices in Massachusetts.
Private Banker | Market Manager partner with Financial Advisors/ Private Wealth Advisors (collectively “Advisors”) to deliver specialized cash management and lending solutions, while strategically leading sales activity and deepening client engagement across Wealth Management markets to drive growth aligned with long-term business objectives.
Jessica began her career in financial services in 2010, and joined Morgan Stanley in 2017 as a Associate Private Banker. Prior to joining the firm, she was a Team Leader and Internal Wholesaler at Eaton Vance.
Jessica is a graduate of the Connecticut College, where she received a Bachelor of Arts in Economics. She lives in Scituate, Massachusetts with her family. Outside of the office, Jessica enjoys spending time with her family, running, and reading.
Private Banker | Market Manager partner with Financial Advisors/ Private Wealth Advisors (collectively “Advisors”) to deliver specialized cash management and lending solutions, while strategically leading sales activity and deepening client engagement across Wealth Management markets to drive growth aligned with long-term business objectives.
Jessica began her career in financial services in 2010, and joined Morgan Stanley in 2017 as a Associate Private Banker. Prior to joining the firm, she was a Team Leader and Internal Wholesaler at Eaton Vance.
Jessica is a graduate of the Connecticut College, where she received a Bachelor of Arts in Economics. She lives in Scituate, Massachusetts with her family. Outside of the office, Jessica enjoys spending time with her family, running, and reading.
NMLS#: 1699963
About Victor Diune
Victor Diune is a Family Office Resources Generalist for Morgan Stanley’s Family Office Resources, covering the Northeast Region. In this capacity, Victor provides specialized expertise to Financial Advisors and their UHNW clients across a broad range of family wealth management issues including; family governance and wealth education, strategic estate and financial planning, philanthropy management and lifestyle advisory. Victor has over 20 years of experience advising wealthy families, business owners, and their children.
Victor has spent the last 22 years at Bank of America/Merrill Lynch. Most recently, he was a Director, Wealth Strategist, working with Merrill Private Wealth Advisors and Financial Advisors, along with their UHNW clients advising them on estate and legacy planning, wealth transfer strategies and philanthropic planning. He was also responsible for developing, consulting and implementing business succession plans as well as providing advice on fiduciary investment management and tax reduction strategies.
Victor received a Bachelor of Arts degree in Political Science from University of Illinois in Urbana-Champaign, received his JD/MBA degree from Suffolk University Law School/Sawyer School of Management, and his LLM in Tax from Boston University School of Law. He holds a Series 7 and 66 securities licenses. He currently lives in Hopkinton, MA with his wife and their 4 children.
Victor has spent the last 22 years at Bank of America/Merrill Lynch. Most recently, he was a Director, Wealth Strategist, working with Merrill Private Wealth Advisors and Financial Advisors, along with their UHNW clients advising them on estate and legacy planning, wealth transfer strategies and philanthropic planning. He was also responsible for developing, consulting and implementing business succession plans as well as providing advice on fiduciary investment management and tax reduction strategies.
Victor received a Bachelor of Arts degree in Political Science from University of Illinois in Urbana-Champaign, received his JD/MBA degree from Suffolk University Law School/Sawyer School of Management, and his LLM in Tax from Boston University School of Law. He holds a Series 7 and 66 securities licenses. He currently lives in Hopkinton, MA with his wife and their 4 children.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Morgan Stanley, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Morgan Stanley, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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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
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- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Working closely with you to guide your wealth and investments through the most challenging market cycles.
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- Traditional Investments
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- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
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- 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
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Financial Planning for Life After Selling a Business
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The MPD Boston Harbor Wealth Management 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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
7When 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.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Morgan Stanley Smith Barney LLC (“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.
10Morgan 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.
11Alternative 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.
12When 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.
13Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
14When 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.
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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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
7When 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.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Morgan Stanley Smith Barney LLC (“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.
10Morgan 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.
11Alternative 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.
12When 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.
13Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
14When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
