Norman E Nabhan, CIMA®
Managing Director, Wealth Management, Financial Advisor, Investing with Impact Director, Alternative Investments Director, Senior Institutional Consultant
Phone:
(713) 499-3024(713) 499-3024
Industry Award WinnerOur Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
For over 40 years, our team has served as a trusted partner to families, institutions, and individuals to secure their ideal financial futures. At the Nabhan-Smith Group, we are focused on providing you with holistic, objective investment advice and delivering the best of two worlds to you: the personalized service of a boutique firm backed by the resources of a global leader in financial services. With offices in Houston, TX, and Wilmington, DE, we provide a complete range of investment consulting services to clients across the country.
Ultimately, we measure our success by the impact we have on our clients’ lives and the organizations we serve. Our perspectives have been shaped by experience in all market environments and we emphasize a true client-centered approach to service.
Thank you for taking the time to learn more about our team. We are privileged to have the opportunity to partner with you.
Ultimately, we measure our success by the impact we have on our clients’ lives and the organizations we serve. Our perspectives have been shaped by experience in all market environments and we emphasize a true client-centered approach to service.
Thank you for taking the time to learn more about our team. We are privileged to have the opportunity to partner with you.
Services Include
- Alternative InvestmentsFootnote1
- Corporate Retirement PlansFootnote2
- Defined Contribution PlansFootnote3
- Endowments and FoundationsFootnote4
- Estate Planning StrategiesFootnote5
- Executive Financial ServicesFootnote6
- Financial PlanningFootnote7
- Institutional ServicesFootnote8
- Cash Management and Lending ProductsFootnote9
- Philanthropic ManagementFootnote10
- Retirement PlanningFootnote11
- Sustainable InvestingFootnote12
- Trust AccountsFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Over the past four decades, our team has served as an experienced advisor to various non-profits, foundations, endowments, and corporations.
Our disciplined consulting approach is shaped by our experience advising clients through multiple market cycles and to different types of institutional investors of all sizes, including:
- Endowments
- Foundations
- Family Offices
- Professional Associations
- Educational Institutions
- Healthcare Organizations
- Land & Wildlife Conservation Organizations
- Arts, Culture, & Community Organizations
- Corporate Retirement Plans
Institutional Services
- Non-discretionary and Discretionary Investment Consulting
- Outsourced Chief Investment Officer (OCIO)
- Retirement Plan Design and Management
- Retirement Plan Participant Education
- Defined Benefit Plans
- Endowments & Foundations
- Investment & Spending Policy Management
- Alternative Investments
- Asset Allocation Advice
- Return & Risk Forecasting
- Investment Cost Analysis
- Manager Due Diligence & Research
- Capital Markets Expertise
While all wealthy families face complex financial issues, each has its own challenges, opportunities, and aspirations. Based on a deep understanding of these factors, we can help you create a customized, comprehensive plan to help you achieve your goals and realize your distinct vision.
All of our clients receive a tailored investment plan based on their unique set of circumstances.
Our goal is to preserve and grow your financial, family and social capital so that it can have the greatest positive impact today and for generations to come.
Common goals of our clients over the years include:
- Reduce investment costs and access leading asset-managers at negotiated rates
- Develop estate planning strategies to effectively transfer wealth to the next generation and/or charitable causes in a tax-efficient manner
- Design comprehensive financial plan with ideal retirement (or other goals) in mind
- Construct values-aligned investment portfolios, incorporating social and/or environmental impact objectives
- Plan for family members' education funds
- Define philanthropic goals, evaluate appropriate charitable giving mechanisms (e.g., charitable remainder trusts, donor advised funds, etc.) and assist in the selection of appropriate charitable organizations.
- Streamline Alternative Investments fund reporting and establish clear allocation strategy
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters.
Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.
FAMILY OFFICE
Redefining Family Office
Your family is unlike any other we have ever served. You may, however, share many of the same questions, challenges and opportunities. We look forward to learning more about you and your family, and discussing how we can help you safeguard what you have earned and pursue your most important life goals. We deliver an exceptionally attentive level of service and dedicate ourselves to finding solutions to the challenges our clients face, even those challenges that fall well outside the traditional role of wealth managers.
Family Governance & Education
Too often. members of rising generations spend decades in silence. Having a mechanism in place such as a family mission statement, a family Constitution or an investment policy statement can offer critical parameters and guidelines to make decisions as a collective. We work with you to find your way to becoming your own generation, with your own voice.
Trust & Estate Planning & Business Succession
The key to determining which trust, tax and estate strategies to execute is to understand the interplay of personal and exogenous factors. Liquidity events such an initial public offering or a merger or acquisition may provide income and estate planning opportunities. Liquidity events also magnify the need to put in place or update certain essential estate planning documents
Lifestyle Services
The enjoyment of wealth means the most powerful benefits of a family office is the potential to help family members simplify their personal lives. We provide bespoke solutions and access to knowledgeable, highly personal specialists to help meet your exceptional needs, from the everyday to the extraordinary, such as: travel and concierge services, health and security advisory, tangible asset management. personal enrichment, and financial administration.
Location
2800 Post Oak Blvd
Ste 3200
Houston, TX 77056
US
Direct:
(512) 480-8833(512) 480-8833
500 DuPont Field Blvd
Greenville, DE 19807
US
Meet The Nabhan-Smith Group
Victoria Polinski Smith, CIMA®
Senior Vice President, Financial Advisor, Senior Investment Management Consultant, Alternative Investments Director, Senior Institutional Consultant
Phone:
(713) 499-3034(713) 499-3034
Matthew Nabhan, QPFC
Associate Vice President, Financial Advisor
Phone:
(302) 636-5505(302) 636-5505
Jennifer Davies
Portfolio Associate
Phone:
(713) 966-2194(713) 966-2194
Haris Saeed
Consulting Group Analyst
Phone:
(713) 499-2030(713) 499-2030
About Norman E Nabhan
Mr. Nabhan is a Managing Director at Morgan Stanley. He has more than forty years of experience helping institutional investors design spending and investment policy, asset allocation strategies, select appropriate investment management firms and conduct regular rebalancing and portfolio reviews. He has served in numerous roles as a Board Member, Treasurer, Investment Committee Chairman and as President of three national nonprofits, giving him a unique insight into the needs of nonprofit organizations.
Mr. Nabhan began his career in financial services as an Account Executive in 1973. He has both, served clients directly and has had numerous management positions with Smith Barney’s Consulting Group. In 2004 he was made National Director of the Investment Consulting Division, and was made a Managing Director of Smith Barney/Citigroup. He served as President of Citigroup Investment Advisory Services (CIAS) which managed $6 Billion in assets in a discretionary manager of managers program and $10 Billion in assets in series of registered mutual funds managed by independent managers. He has completed the course of study at the Wharton School of Business offered in conjunction with the Investment Management Consultants Association that has resulted in certification as a Certified Investment Management Analyst (CIMA®).
Mr. Nabhan is a graduate of Purdue University with a B. A. His Professional associations include the Investment Management Consultants Association, where he served on the Board of Directors for 8 years, and served two years as President. He has been conferred the title of Director Emeritus by the organization. He also served as Chairman of the Certification committee. He is the Past President of the Association of Professional Investment Consultants (APIC). He has served as a Director and National Treasurer, and National President of Sigma Phi Epsilon Fraternity. He served on the Alternative Investment Advisory Board for the Purdue University Endowment and was on the Advisory Board of the Center for Wealth and Philanthropy at Boston College. He currently sits on the Board of the Dyslexia School of Houston.
He has been a speaker at numerous industry and Philanthropic conferences at the Indiana University Center of Philanthropy, Boston College, Philanthropy Southwest, as well as Exponent Philanthropy and NACUBO. He serves on the planning committee and as a faculty member for the University of Texas Law School Nonprofit Institute. He is one of a select group of Advisors at Morgan Stanley designated a “Director of Impact Investing”. He has been named by “Forbes Magazine” as one of America’s Best in State Wealth Advisors in Texas 2020, 2023, and 2024. His group is one of “Barron's” Top 100 Institutional Consulting Teams in 2021 and is a 2024-2025 Forbes Best-In-State Wealth management Team. He has also appeared on CNBC.
2024-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (2024-2025) Forbes Best-In-State Wealth Management Teams ranking awarded in 2024-2025. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in March of the previous year the award was issued, having commenced in March of the year before that.
Source: Forbes.com (2020, 2023, 2024). Forbes Best-In-State Wealth Advisors ranking awarded in 2020, 2023, 2024. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in June of the previous year the award was issued having commenced in June of the year before that.
Source: Barron's.com (April 2021) 2021 Barron's Top 100 Institutional Consulting Teams ranking awarded in 2021. This ranking was determined based on an evaluation process conducted by Barron's during the period from Dec 2019 - Dec 2020.
Mr. Nabhan began his career in financial services as an Account Executive in 1973. He has both, served clients directly and has had numerous management positions with Smith Barney’s Consulting Group. In 2004 he was made National Director of the Investment Consulting Division, and was made a Managing Director of Smith Barney/Citigroup. He served as President of Citigroup Investment Advisory Services (CIAS) which managed $6 Billion in assets in a discretionary manager of managers program and $10 Billion in assets in series of registered mutual funds managed by independent managers. He has completed the course of study at the Wharton School of Business offered in conjunction with the Investment Management Consultants Association that has resulted in certification as a Certified Investment Management Analyst (CIMA®).
Mr. Nabhan is a graduate of Purdue University with a B. A. His Professional associations include the Investment Management Consultants Association, where he served on the Board of Directors for 8 years, and served two years as President. He has been conferred the title of Director Emeritus by the organization. He also served as Chairman of the Certification committee. He is the Past President of the Association of Professional Investment Consultants (APIC). He has served as a Director and National Treasurer, and National President of Sigma Phi Epsilon Fraternity. He served on the Alternative Investment Advisory Board for the Purdue University Endowment and was on the Advisory Board of the Center for Wealth and Philanthropy at Boston College. He currently sits on the Board of the Dyslexia School of Houston.
He has been a speaker at numerous industry and Philanthropic conferences at the Indiana University Center of Philanthropy, Boston College, Philanthropy Southwest, as well as Exponent Philanthropy and NACUBO. He serves on the planning committee and as a faculty member for the University of Texas Law School Nonprofit Institute. He is one of a select group of Advisors at Morgan Stanley designated a “Director of Impact Investing”. He has been named by “Forbes Magazine” as one of America’s Best in State Wealth Advisors in Texas 2020, 2023, and 2024. His group is one of “Barron's” Top 100 Institutional Consulting Teams in 2021 and is a 2024-2025 Forbes Best-In-State Wealth management Team. He has also appeared on CNBC.
2024-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (2024-2025) Forbes Best-In-State Wealth Management Teams ranking awarded in 2024-2025. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in March of the previous year the award was issued, having commenced in March of the year before that.
Source: Forbes.com (2020, 2023, 2024). Forbes Best-In-State Wealth Advisors ranking awarded in 2020, 2023, 2024. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in June of the previous year the award was issued having commenced in June of the year before that.
Source: Barron's.com (April 2021) 2021 Barron's Top 100 Institutional Consulting Teams ranking awarded in 2021. This ranking was determined based on an evaluation process conducted by Barron's during the period from Dec 2019 - Dec 2020.
Securities Agent: WI, FL, IA, GA, CA, RI, PA, OK, IN, UT, HI, DE, AR, OR, OH, NM, MD, IL, CO, VA, NH, NC, AZ, CT, SD, NY, MT, TX, MN, NJ, MI, DC, WA, NV, LA, KY; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1279572
NMLS#: 1279572
About Victoria Polinski Smith
Vicki Smith has been with Morgan Stanley and its predecessor firms since 2002 and has over 25 years of institutional consulting experience. Her focus includes helping institutional investors design spending and investment policies, asset allocation strategy, asset liability and pension risk transfer strategies, selecting appropriate investment management firms and conducting regular portfolio reviews.
She began her financial services career after graduating from the University of Memphis with a BBA in Finance. After joining the firm, Vicki was recognized on a national level for her outstanding achievements and contributions to the firm by receiving the Consulting Group “Analyst of the Year” award¹. She attended the Barron’s Top 100 Women Advisors Summitt² in 2009 where she was a featured speaker.
Vicki earned her professional designation of Certified Investment Management Analyst (CIMA®) through Wharton School at the University of Pennsylvania, and is an active member of the Investments and Wealth Institute (formerly IMCA). She is a member of and formerly served on the Board of Directors of the Association of Professional Investment Consultants (APIC), originally founded by a group of Morgan Stanley Smith Barney consultants, and chaired their annual conference in 2010. APIC is a society of Morgan Stanley Smith Barney investment management consultants dedicated to the highest ethical and greatest commitment to client service. Vicki also serves on the Retirement Advisor Council whose mission is to advocate for successful retirement outcomes through collaboration of a small group of plan advisors, service providers and investment managers.
In recognition of her commitment and service to her clients, Vicki was named to Forbes Top Women Wealth Advisors Best-In-State in 2022-2025. She was also named to the 2024 Forbes Best-In-State Wealth Advisors list. Her team was selected as a 2024-2025 Forbes Best in State Wealth Management Team and Barron’s Top Institutional Team in 2021.
Vicki currently serves on the Board of the Kelsey Research Foundation where she is a member of the Executive committee and Chair of the Finance committee.
1 The FA Analyst of the Year award is awarded annually in each Division to a branch Analyst who has gone above and beyond in support of their team and has contributed to the analyst community as a whole. Analysts are nominated by their FA Sponsor, Branch Manager, or CG Staff member.
2 Although not a recipient of the 2009 Barron's "Top 100 Financial Advisors" award, Victoria Smith was selected by my firm to attend the 2010 "Barron's Winners Circle Top Advisors Summit”. The Summit is hosted by Barron's magazine to promote best practices in the industry and the value of advice to the investing public. A group of 500 advisors, selected by their firms, participate in workshops that explore current issues ranging from business development ideas through managing high-net-worth accounts and families to portfolio management and retirement planning.
2024 Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC for the period 6/30/22 - 6/30/23.
2024-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
2022-2025 Forbes Top Women Wealth Advisors Best-In-State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors) Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2021 Barron's Top 100 Institutional Consulting Teams
Source: Barron's.com (Awarded Apr 2021) This ranking was determined based on an evaluation process conducted by Barron's during the period from Dec 2019 - Dec 2020.
She began her financial services career after graduating from the University of Memphis with a BBA in Finance. After joining the firm, Vicki was recognized on a national level for her outstanding achievements and contributions to the firm by receiving the Consulting Group “Analyst of the Year” award¹. She attended the Barron’s Top 100 Women Advisors Summitt² in 2009 where she was a featured speaker.
Vicki earned her professional designation of Certified Investment Management Analyst (CIMA®) through Wharton School at the University of Pennsylvania, and is an active member of the Investments and Wealth Institute (formerly IMCA). She is a member of and formerly served on the Board of Directors of the Association of Professional Investment Consultants (APIC), originally founded by a group of Morgan Stanley Smith Barney consultants, and chaired their annual conference in 2010. APIC is a society of Morgan Stanley Smith Barney investment management consultants dedicated to the highest ethical and greatest commitment to client service. Vicki also serves on the Retirement Advisor Council whose mission is to advocate for successful retirement outcomes through collaboration of a small group of plan advisors, service providers and investment managers.
In recognition of her commitment and service to her clients, Vicki was named to Forbes Top Women Wealth Advisors Best-In-State in 2022-2025. She was also named to the 2024 Forbes Best-In-State Wealth Advisors list. Her team was selected as a 2024-2025 Forbes Best in State Wealth Management Team and Barron’s Top Institutional Team in 2021.
Vicki currently serves on the Board of the Kelsey Research Foundation where she is a member of the Executive committee and Chair of the Finance committee.
1 The FA Analyst of the Year award is awarded annually in each Division to a branch Analyst who has gone above and beyond in support of their team and has contributed to the analyst community as a whole. Analysts are nominated by their FA Sponsor, Branch Manager, or CG Staff member.
2 Although not a recipient of the 2009 Barron's "Top 100 Financial Advisors" award, Victoria Smith was selected by my firm to attend the 2010 "Barron's Winners Circle Top Advisors Summit”. The Summit is hosted by Barron's magazine to promote best practices in the industry and the value of advice to the investing public. A group of 500 advisors, selected by their firms, participate in workshops that explore current issues ranging from business development ideas through managing high-net-worth accounts and families to portfolio management and retirement planning.
2024 Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC for the period 6/30/22 - 6/30/23.
2024-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
2022-2025 Forbes Top Women Wealth Advisors Best-In-State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors) Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2021 Barron's Top 100 Institutional Consulting Teams
Source: Barron's.com (Awarded Apr 2021) This ranking was determined based on an evaluation process conducted by Barron's during the period from Dec 2019 - Dec 2020.
Securities Agent: MN, WA, NJ, DC, DE, AR, NV, AL, WI, NH, MD, AZ, VA, TX, OH, NM, MT, IN, FL, UT, RI, PA, MI, HI, GA, CO, CA, CT, OR, OK, KY, IL, IA, SD, NC, NY, LA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1282579
NMLS#: 1282579
About Matthew Nabhan
Matthew is an Associate Vice President and Financial Advisor at Morgan Stanley. He works closely with our institutional and private clients on a range of investment issues including portfolio construction, plan design, asset allocation strategy, manager selection, and values-aligned investing. Matthew joined Morgan Stanley in 2019. Matthew employs a collaborative approach to working with clients to help them on their journey to be effective stewards of an organization’s - or family's - resources. Through ongoing education and diligent research, his goal is to deliver to all clients a comprehensive investment strategy that aligns with their objectives.
He is a member of the Association of Professional Investment Consultants (APIC). Matthew holds the Qualified Plan Financial Consultant, QPFC, designation awarded by the National Association of Plan Advisors. He also serves on APIC’s Young Advisors Advisory Board and as a mentor for the Kellogg-Morgan Stanley Sustainable Investing Challenge at Northwestern University. Matthew earned dual degrees in Business and Environmental Studies from the University of Colorado Boulder. He is an alumnus of the CU Leeds School of Business, Center for Ethics and Social Responsibility.
Matthew’s early career started in the non-profit sector, where he led a global team responsible for impact measurement and standards development for the B Corp certification. Because of this experience, Matthew has a unique perspective on mission-driven organizations, having consulted with hundreds of non-profit leaders, entrepreneurs, corporate executives, and fund managers who are addressing society’s most critical challenges in their own respective ways. This distinct background helps inform the team’s mission-aligned and impact investing work.
Matthew grew up in Texas before moving to the Brandywine Valley. He now resides in Kennett Square, PA, with his wife and three young sons. Outside of work, he volunteers with several non-profit organizations focused on wildlife conservation and promoting access for outdoor recreation.
Disclosures:
Asset allocation and diversification do not guarantee a profit or protect against a loss in a declining financial market.
Environmental, Social and Governance (“ESG”) investments in a portfolio may experience performance that is lower or higher than a portfolio not employing such practices. Portfolios with ESG restrictions and strategies as well as ESG investments may not be able to take advantage of the same opportunities or market trends as portfolios where ESG criteria is not applied. There are inconsistent ESG definitions and criteria within the industry, as well as multiple ESG ratings providers that provide ESG ratings of the same subject companies and/or securities that vary among the providers. Certain issuers of investments may have differing and inconsistent views concerning ESG criteria where the ESG claims made in offering documents or other literature may overstate ESG impact. ESG designations are as of the date of this material, and no assurance is provided that the underlying assets have maintained or will maintain and such designation or any stated ESG compliance. As a result, it is difficult to compare ESG investment products or to evaluate an ESG investment product in comparison to one that does not focus on ESG. Investors should also independently consider whether the ESG investment product meets their own ESG objectives or criteria.
There is no assurance that an ESG investing strategy or techniques employed will be successful. Past performance is not a guarantee or a dependable measure of future results.
He is a member of the Association of Professional Investment Consultants (APIC). Matthew holds the Qualified Plan Financial Consultant, QPFC, designation awarded by the National Association of Plan Advisors. He also serves on APIC’s Young Advisors Advisory Board and as a mentor for the Kellogg-Morgan Stanley Sustainable Investing Challenge at Northwestern University. Matthew earned dual degrees in Business and Environmental Studies from the University of Colorado Boulder. He is an alumnus of the CU Leeds School of Business, Center for Ethics and Social Responsibility.
Matthew’s early career started in the non-profit sector, where he led a global team responsible for impact measurement and standards development for the B Corp certification. Because of this experience, Matthew has a unique perspective on mission-driven organizations, having consulted with hundreds of non-profit leaders, entrepreneurs, corporate executives, and fund managers who are addressing society’s most critical challenges in their own respective ways. This distinct background helps inform the team’s mission-aligned and impact investing work.
Matthew grew up in Texas before moving to the Brandywine Valley. He now resides in Kennett Square, PA, with his wife and three young sons. Outside of work, he volunteers with several non-profit organizations focused on wildlife conservation and promoting access for outdoor recreation.
Disclosures:
Asset allocation and diversification do not guarantee a profit or protect against a loss in a declining financial market.
Environmental, Social and Governance (“ESG”) investments in a portfolio may experience performance that is lower or higher than a portfolio not employing such practices. Portfolios with ESG restrictions and strategies as well as ESG investments may not be able to take advantage of the same opportunities or market trends as portfolios where ESG criteria is not applied. There are inconsistent ESG definitions and criteria within the industry, as well as multiple ESG ratings providers that provide ESG ratings of the same subject companies and/or securities that vary among the providers. Certain issuers of investments may have differing and inconsistent views concerning ESG criteria where the ESG claims made in offering documents or other literature may overstate ESG impact. ESG designations are as of the date of this material, and no assurance is provided that the underlying assets have maintained or will maintain and such designation or any stated ESG compliance. As a result, it is difficult to compare ESG investment products or to evaluate an ESG investment product in comparison to one that does not focus on ESG. Investors should also independently consider whether the ESG investment product meets their own ESG objectives or criteria.
There is no assurance that an ESG investing strategy or techniques employed will be successful. Past performance is not a guarantee or a dependable measure of future results.
Securities Agent: ID, NJ, MS, RI, VA, OH, DE, WI, WA, UT, TX, SD, PA, OR, OK, NY, NV, NM, NH, NC, MT, MN, MI, MD, MA, LA, IN, IL, IA, GA, FL, DC, CT, CO, CA, AZ, AR, KY, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 1920551
NMLS#: 1920551
About Jennifer Davies
Jennifer is a Portfolio Associate with Nabhan-Smith at Morgan Stanley. She joined Morgan Stanley in September 2019 and is responsible for servicing clients and providing administrative support. She assists with the development and growth of our business through engaging and utilizing the full capabilities of the firm. She has almost 30 years of financial services experience.
Prior to joining Morgan Stanley, Jennifer spent 25 years working at Invesco, having started her career at AIM. In her last role as Sales Strategy Manager, she was an integral part of the sales leadership team with accountability for developing and executing sales strategies within the defined contribution and insurance sales channel. She enhanced territory management by providing sales data analysis, market research and client engagement metrics, which contributed to meeting multi-billion dollar annual sales goals.
Jennifer received her Bachelor’s degree in French from the University of Texas at Austin. She holds the FINRA Series 7, 65, 63 and 26 licenses. She is married and lives in Houston with her dog Brewtus and cat Ruby.
Prior to joining Morgan Stanley, Jennifer spent 25 years working at Invesco, having started her career at AIM. In her last role as Sales Strategy Manager, she was an integral part of the sales leadership team with accountability for developing and executing sales strategies within the defined contribution and insurance sales channel. She enhanced territory management by providing sales data analysis, market research and client engagement metrics, which contributed to meeting multi-billion dollar annual sales goals.
Jennifer received her Bachelor’s degree in French from the University of Texas at Austin. She holds the FINRA Series 7, 65, 63 and 26 licenses. She is married and lives in Houston with her dog Brewtus and cat Ruby.
About Haris Saeed
Haris has a triple major in Finance, Accounting & Management at the University of Nottingham, graduating in 2013 with his Bachelor of Arts (Hons). Prior to joining Morgan Stanley in 2022, Haris worked at variety of firms in the financial industry including a stock exchange and a banking institution. He has acquired his Series 7 and Series 66 licenses.
With technical and educational experience from the UAE, Malaysia and Pakistan, Haris brings a comprehensive and vital set of skills to our Team. As our Institutional and HNW Investment Analyst, he is responsible for the structure, performance reporting and ongoing supervision of our portfolios.
With technical and educational experience from the UAE, Malaysia and Pakistan, Haris brings a comprehensive and vital set of skills to our Team. As our Institutional and HNW Investment Analyst, he is responsible for the structure, performance reporting and ongoing supervision of our portfolios.
Contact Norman E Nabhan
Contact Victoria Polinski Smith
Contact Matthew Nabhan
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2024-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Barron's Top 100 Institutional Consulting Teams
Barron's Top 100 Institutional Consulting Teams Source: barrons.com (Awarded Apr 2021) This ranking was determined based on an evaluation process conducted by Barron's during the period from Dec 2019 - Dec 2020.
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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
Frank Vatuna
Associate Private Banker
Logan Mitchell, CFP®
Financial Planning Director, Associate Vice President
Clint Eddy
Family Office Resource Generalist
About Frank Vatuna
Frank Vatuna is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Texas.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Frank began his career in financial services in 1988 and joined Morgan Stanley in 2019 as an Associate Private Banker. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as a Lending Officer at Bank of America.
Frank is a graduate of the University of Houston, where he received a Bachelor of Business Administration in Finance. He lives in Magnolia, Texas with his family. Outside of the office, Frank enjoys traveling and spending time with family and friends. He also volunteers for March of Dimes and Houston Food Bank.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Frank began his career in financial services in 1988 and joined Morgan Stanley in 2019 as an Associate Private Banker. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as a Lending Officer at Bank of America.
Frank is a graduate of the University of Houston, where he received a Bachelor of Business Administration in Finance. He lives in Magnolia, Texas with his family. Outside of the office, Frank enjoys traveling and spending time with family and friends. He also volunteers for March of Dimes and Houston Food Bank.
NMLS#: 620249
About Logan Mitchell
Logan Mitchell, CFP® is an Associate Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Houston-Post Oak. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Logan began her career in financial services as a Wealth Advisor Associate, at Morgan Stanley in 2019. She matriculated from that role to a Financial Advisor, and joined a team managing a book of business north of $200 million. In order to focus on more complex financial planning strategies, she switched to her current role in 2022.
Logan graduated from Howard University School of Business with honors, in 2018 and holds her Certified Financial Planner® designation. She lives in Memorial City, Houston with her family. When she is not playing with her 6-month-old daughter, she can be found working out, watching basketball, or spending time with her parents in Oklahoma.
Logan began her career in financial services as a Wealth Advisor Associate, at Morgan Stanley in 2019. She matriculated from that role to a Financial Advisor, and joined a team managing a book of business north of $200 million. In order to focus on more complex financial planning strategies, she switched to her current role in 2022.
Logan graduated from Howard University School of Business with honors, in 2018 and holds her Certified Financial Planner® designation. She lives in Memorial City, Houston with her family. When she is not playing with her 6-month-old daughter, she can be found working out, watching basketball, or spending time with her parents in Oklahoma.
About Clint Eddy
Clint Eddy is an Executive Director with the Family Office Resources (FOR) team at Morgan Stanley. As a Generalist with FOR he helps clients and Advisors curate and navigate an expansive suite of highly specialized resources to address the complex, multifaceted challenges of managing significant wealth so clients may make complicated decisions confidently.
Prior to joining Morgan Stanley in 2022, Clint was a Wealth Strategist at Merrill Lynch for over 15 years. Clint also practiced tax and business law at the law firm of Fox Rothschild for over six years. He was a member of the firm’s Estate Planning and Tax and Corporate Transactions groups. Clint is a member of Washington State Bar Association (WSBA) and is actively involved in the WSBA’s Real Property, Probate and Trust section. He is the co-author of the Washington Partnership and Limited Liability Company Deskbook and was named a “Rising Star” by Washington Law and Politics magazine.
Clint received his Master of Laws in Taxation from the University of Washington School of Law, his Juris Doctor from the University of Oregon School of Law, and his Bachelor of Arts from the University of Washington. He is Series 7 and 66 licensed.
Outside of work Clint is an avid, but admittedly, pretty awful skier. He and his fiancé live in Seattle with their 10 year old Boston Terrier named Annie.
Prior to joining Morgan Stanley in 2022, Clint was a Wealth Strategist at Merrill Lynch for over 15 years. Clint also practiced tax and business law at the law firm of Fox Rothschild for over six years. He was a member of the firm’s Estate Planning and Tax and Corporate Transactions groups. Clint is a member of Washington State Bar Association (WSBA) and is actively involved in the WSBA’s Real Property, Probate and Trust section. He is the co-author of the Washington Partnership and Limited Liability Company Deskbook and was named a “Rising Star” by Washington Law and Politics magazine.
Clint received his Master of Laws in Taxation from the University of Washington School of Law, his Juris Doctor from the University of Oregon School of Law, and his Bachelor of Arts from the University of Washington. He is Series 7 and 66 licensed.
Outside of work Clint is an avid, but admittedly, pretty awful skier. He and his fiancé live in Seattle with their 10 year old Boston Terrier named Annie.
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Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
5Morgan 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Morgan Stanley 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.
8Morgan 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.
9Morgan 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
10Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
11When 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.
12Investing 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.
13Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
5Morgan 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Morgan Stanley 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.
8Morgan 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.
9Morgan 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
10Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
11When 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.
12Investing 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.
13Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
