

The Napa Harvest Group at Morgan Stanley
Direct:
(707) 254-4408(707) 254-4408
Toll-Free:
(800) 829-0194(800) 829-0194

Our Mission Statement
We help people
achieve their financial goals
in all aspects of life.
achieve their financial goals
in all aspects of life.
Your Team
Welcome to Morgan Stanley and The Napa Harvest Group. For over 50 years, we’ve been committed to helping clients achieve their investment goals through a disciplined approach, proudly working with some families into their fourth generation. The Napa Harvest Group is a team of diverse financial planning professionals who take a client-focused approach. They customize solutions to meet the unique investment preferences and constraints of each family they serve.
Our distinguishing experience is in equity compensation and comprehensive financial planning. We have counseled stock plan executives from the nation’s leading public and private companies, helping them maximize value, strategize liquidity events, and implement effective tax and estate planning strategies. With three Financial Advisors and more than $1 billion in custody, we are frequently invited to present at large technology firms to educate employees about their equity compensation and to share best practices within the organization.
Clients often describe our team as their personal family office, appreciating our capacity to offer guidance on both assets and liabilities for their family’s balance sheet. We don't just talk about goals; we create actionable plans. Our methodology begins by envisioning your ideal retirement and legacy, then transforming those visions into tangible strategies. Three mornings each week, The Napa Harvest Group's financial advisors meet to fine-tune the team's use of advanced planning techniques, using real client situations as case studies. Each partner on our team brings a unique area of expertise, and our hallmark is the collaborative teamwork—and healthy debate—that allows us to identify, explore, and deliver the optimal possibilities for each client.
We are dedicated to the quality of services and resources we offer to our clients and look forward to extending the same standard of excellence to you and your family.
Our distinguishing experience is in equity compensation and comprehensive financial planning. We have counseled stock plan executives from the nation’s leading public and private companies, helping them maximize value, strategize liquidity events, and implement effective tax and estate planning strategies. With three Financial Advisors and more than $1 billion in custody, we are frequently invited to present at large technology firms to educate employees about their equity compensation and to share best practices within the organization.
Clients often describe our team as their personal family office, appreciating our capacity to offer guidance on both assets and liabilities for their family’s balance sheet. We don't just talk about goals; we create actionable plans. Our methodology begins by envisioning your ideal retirement and legacy, then transforming those visions into tangible strategies. Three mornings each week, The Napa Harvest Group's financial advisors meet to fine-tune the team's use of advanced planning techniques, using real client situations as case studies. Each partner on our team brings a unique area of expertise, and our hallmark is the collaborative teamwork—and healthy debate—that allows us to identify, explore, and deliver the optimal possibilities for each client.
We are dedicated to the quality of services and resources we offer to our clients and look forward to extending the same standard of excellence to you and your family.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Stock Plan ServicesFootnote3
- Stock Option PlansFootnote4
- Retirement PlanningFootnote5
- Estate Planning StrategiesFootnote6
- Professional Portfolio ManagementFootnote7
- Business Succession PlanningFootnote8
- Cash Management and Lending ProductsFootnote9
- Executive Financial ServicesFootnote10
- Alternative InvestmentsFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
We primarily work with individuals and families of significant wealth, and many of our relationships span multiple generations. Our clients generally have between $1 million and $20 million invested with our team. We're well-versed in the financial complexities faced by senior executives and entrepreneurs, and deeply experienced in long-term planning for retirees, divorcees, and heirs of substantial estates.
"Total Tax 365"
Location
700 Main Street
Suite 315
Napa, CA 94559
US
Direct:
(707) 254-4408(707) 254-4408
Toll-Free:
(800) 829-0194(800) 829-0194
Meet The Napa Harvest Group
About Zach Taylor
Zach Taylor serves as the managing partner of the Napa Harvest Group. He leads our team’s services in the area of equity compensation, where we guide clients that receive substantial amounts of company stock from their employers that range from well-known, top-tier enterprises to dynamic innovators on the verge of going public. Well-versed in the nuances of navigating that complex realm, Zach is equally at home preparing long-term financial plans for retirees and those that aspire to retire. For more than 15 years Zach’s been helping individuals and business owners make key decisions for their financial future. His stewardship is essential to our team’s multi-decade investment relationships with several non-profit foundations in the Bay Area.
A 2004 graduate of Pacific Union College, where he majored in Finance, Zach’s dedication to ethical client service motivated him to earn the Certified Financial Planner™ designation early in his career. Zach lives in Napa with his wife Ashley and their children Jackson and Georgia. He’s an avid golfer and can often be found at the Napa Valley Country Club, as well as entertaining friends and family with grand feasts inspired by his collection of cookbooks.
A 2004 graduate of Pacific Union College, where he majored in Finance, Zach’s dedication to ethical client service motivated him to earn the Certified Financial Planner™ designation early in his career. Zach lives in Napa with his wife Ashley and their children Jackson and Georgia. He’s an avid golfer and can often be found at the Napa Valley Country Club, as well as entertaining friends and family with grand feasts inspired by his collection of cookbooks.
Securities Agent: NJ, MI, FL, CT, UT, IN, SD, NH, GA, CO, AZ, TX, SC, VT, NM, NC, MN, MA, WI, OR, NY, NV, CA, IL, IA, AL, TN, OH, MT, HI, WA, VA, ND, ME, KS, DC, WY, RI, MD, ID, MS, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 1641575
NMLS#: 1641575
About Me
Tom Huynh, a partner at The Napa Harvest Group within Morgan Stanley, is a Certified Financial Planner™ with over 11 years of industry experience. Based in our Oakland office, Tom serves as a key strategic advisor to a diverse clientele, including affluent families with global interests, technology executives from both private and public sectors, and successful real estate entrepreneurs.
Tom has taken great pride in crafting bespoke solutions tailored to the unique needs of each family he serves. He and his partners are deeply committed to simplifying the financial planning process, taking great honor in their ability to clearly articulate every detail and action item. Their approach ensures that clients fully understand their financial strategies and have well-defined expectations throughout their advisory relationship.
Using a consultative approach to help him understand each client’s unique perspective and priorities, Tom utilizes both qualitative and quantitative factors to help clients achieve their goals and objectives. His commitment to fostering long-term relationships built on trust, and transparency is a key reason families choose to work with him. He believes that collaborating closely with clients' CPAs and attorneys is essential for the seamless implementation and execution of financial plans.
Tom's experience in executive corporate financial services and equity compensation includes helping corporate insiders manage concentrated equity risks, develop predetermined trading plans (10b5-1), and plan philanthropic contributions. He provided guidance to families in managing the intricacies associated with having equity as a substantial part of their compensation, helping plan for both current and future goals.
For his clients who have a bi-continental presence, Tom actively engages in conversations about estate planning, gifting strategies, and alternative investments, tailoring his approach to accommodate changing policies. With most of his international clients based in Asia, he has developed a deep understanding of the complexities involved in managing both onshore and offshore assets of these families. This has allowed him to navigate the subtleties of cross-border relationships.
Before joining Morgan Stanley, Tom served as a Vice President - Senior Wealth Advisor at Citigroup Global Markets. At Citigroup, Tom advised first-generation affluent, international families, technology executives, and attorneys. Earlier in his career, he managed private banking services for both individuals and small businesses and specialized in financial planning for high-net-worth clients. His career in finance began during his college years with internships in private wealth management and technology investment banking.
Tom, a native of the Bay Area, has deep connections to the East Bay, and he currently resides in Walnut Creek. Outside of work, he enjoys playing tennis, traveling, and exploring a variety of restaurants throughout the Bay Area.
Tom earned a Bachelor of Science in Applied Statistics from the University of California, Davis.
Tom has taken great pride in crafting bespoke solutions tailored to the unique needs of each family he serves. He and his partners are deeply committed to simplifying the financial planning process, taking great honor in their ability to clearly articulate every detail and action item. Their approach ensures that clients fully understand their financial strategies and have well-defined expectations throughout their advisory relationship.
Using a consultative approach to help him understand each client’s unique perspective and priorities, Tom utilizes both qualitative and quantitative factors to help clients achieve their goals and objectives. His commitment to fostering long-term relationships built on trust, and transparency is a key reason families choose to work with him. He believes that collaborating closely with clients' CPAs and attorneys is essential for the seamless implementation and execution of financial plans.
Tom's experience in executive corporate financial services and equity compensation includes helping corporate insiders manage concentrated equity risks, develop predetermined trading plans (10b5-1), and plan philanthropic contributions. He provided guidance to families in managing the intricacies associated with having equity as a substantial part of their compensation, helping plan for both current and future goals.
For his clients who have a bi-continental presence, Tom actively engages in conversations about estate planning, gifting strategies, and alternative investments, tailoring his approach to accommodate changing policies. With most of his international clients based in Asia, he has developed a deep understanding of the complexities involved in managing both onshore and offshore assets of these families. This has allowed him to navigate the subtleties of cross-border relationships.
Before joining Morgan Stanley, Tom served as a Vice President - Senior Wealth Advisor at Citigroup Global Markets. At Citigroup, Tom advised first-generation affluent, international families, technology executives, and attorneys. Earlier in his career, he managed private banking services for both individuals and small businesses and specialized in financial planning for high-net-worth clients. His career in finance began during his college years with internships in private wealth management and technology investment banking.
Tom, a native of the Bay Area, has deep connections to the East Bay, and he currently resides in Walnut Creek. Outside of work, he enjoys playing tennis, traveling, and exploring a variety of restaurants throughout the Bay Area.
Tom earned a Bachelor of Science in Applied Statistics from the University of California, Davis.
Securities Agent: WI, TX, TN, WY, NY, GA, CO, AL, VT, MO, MI, FL, UT, OH, NM, MT, ME, MA, NV, MD, CT, NJ, CA, WA, VA, SD, NH, ND, IN, HI, PA, OR, KS, AZ, SC, RI, NC, MN, IL, ID, DC, MS; General Securities Representative; Investment Advisor Representative
NMLS#: 1488686
NMLS#: 1488686
About Nick Mendelson
Nick Mendelson works with some of the world’s largest equity compensation plans, as well as with privately held companies and those about to go public, guiding employees to smoothly navigate the complexities of stock awards, tender offers and other liquidity events. He’s frequently called upon to deliver education on this topic to corporate audiences of hundreds and thousands.
Nick lives and breathes financial planning. He excels at evaluating the minute details of a client’s financial situation, then creating a strategy to help fulfill the client’s goals with a tax-sensitive focus. He joined Morgan Stanley in 2016, and is based in our Santa Rosa office.
Born and raised in Sonoma County, he graduated cum laude with a B.S. in finance from Sonoma State University, where he founded the school’s Student Managed Investment Fund. He remains dedicated to his community, and serves on the board of La Luz Center, a local nonprofit. Nick loves hiking and backpacking, working out, playing guitar, and photography.
Nick lives and breathes financial planning. He excels at evaluating the minute details of a client’s financial situation, then creating a strategy to help fulfill the client’s goals with a tax-sensitive focus. He joined Morgan Stanley in 2016, and is based in our Santa Rosa office.
Born and raised in Sonoma County, he graduated cum laude with a B.S. in finance from Sonoma State University, where he founded the school’s Student Managed Investment Fund. He remains dedicated to his community, and serves on the board of La Luz Center, a local nonprofit. Nick loves hiking and backpacking, working out, playing guitar, and photography.
Securities Agent: IL, FL, WY, UT, TN, MT, MI, ID, WA, VT, MD, MA, WI, NM, ME, KS, CT, CA, MN, OH, NV, ND, NC, CO, PA, NJ, MO, HI, GA, DC, AZ, OR, IN, TX, SD, RI, AL, IA, AR, MS, VA, SC, NY, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 1407865
CA Insurance License #: 0K10179
NMLS#: 1407865
CA Insurance License #: 0K10179

Contact Zach Taylor

Contact Tom Huynh

Contact Nick Mendelson
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
About Farbod Farman
Farbod Farman is an Associate Private Banker serving Morgan Stanley Wealth Management offices in California.
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.
Farbod began his career in financial services in 2015, and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, he was an Associate Banker at Citi Private Bank. He also served as a Brokerage Associate at Wells Fargo.
Farbod is a graduate of the Hawaii Pacific University, where he received a Bachelor of Science in Business Administration with a concentration in International Business, and Missouri State University – West Plains, where he received his Associate in Arts degree in General Studies. He lives in San Rafael, California with his spouse. Outside of the office, Farbod enjoys working out, playing video games, watching movies, spending time with his family, volunteering and traveling. Farbod played basketball in college in the US, and for the Iranian National Team and represented them in many international tournaments including Asian Championship Cup and the World Cup.
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.
Farbod began his career in financial services in 2015, and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, he was an Associate Banker at Citi Private Bank. He also served as a Brokerage Associate at Wells Fargo.
Farbod is a graduate of the Hawaii Pacific University, where he received a Bachelor of Science in Business Administration with a concentration in International Business, and Missouri State University – West Plains, where he received his Associate in Arts degree in General Studies. He lives in San Rafael, California with his spouse. Outside of the office, Farbod enjoys working out, playing video games, watching movies, spending time with his family, volunteering and traveling. Farbod played basketball in college in the US, and for the Iranian National Team and represented them in many international tournaments including Asian Championship Cup and the World Cup.
NMLS#: 1619986
About Cindy W. Lee
Cindy Lee is a Private Banker serving Morgan Stanley Wealth Management offices in the East Bay, California Market.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Cindy began her career in financial services in 1996 and joined Morgan Stanley in 2022. Prior to joining the firm, she was a Custom Residential Real Estate Specialist at Bank of America/Merrill Lynch where she also served as a Wealth Management Banker and Financial Advisor.
Cindy is a graduate of San Francisco State University, where she received a Bachelor of Science in Business Management. She resides in the Bay Area with her family. Outside of the office, Cindy dedicates time to volunteering, enjoys traveling, reading, watching sports and spending time with family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Cindy began her career in financial services in 1996 and joined Morgan Stanley in 2022. Prior to joining the firm, she was a Custom Residential Real Estate Specialist at Bank of America/Merrill Lynch where she also served as a Wealth Management Banker and Financial Advisor.
Cindy is a graduate of San Francisco State University, where she received a Bachelor of Science in Business Management. She resides in the Bay Area with her family. Outside of the office, Cindy dedicates time to volunteering, enjoys traveling, reading, watching sports and spending time with family and friends.
NMLS#: 637460
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
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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
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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- Traditional Investments
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
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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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Donor Advised Funds: A Smart Way to Manage Your Giving
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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 Napa Harvest Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5When 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.
6Morgan 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.
7Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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
10Morgan 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.
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.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame 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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5When 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.
6Morgan 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.
7Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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
10Morgan 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.
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.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame 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
CRC 6491812 (04/2024), 3582895 (6/2024)