John Carty Jr.
Senior Vice President, Wealth Management, Branch Manager, Corporate Retirement Director, Financial Advisor
Phone:
(413) 736-1122(413) 736-1122
The New England Wealth Management Group at Morgan Stanley
Direct:
(413) 734-7311(413) 734-7311
Toll-Free:
(800) 628-9046(800) 628-9046
Our Mission Statement
Helping you write the next chapter of your financial life
Our Story
If you are like many of our clients, you have worked hard at your careers and have much to show for it. What you may now be seeking is someone who will work with you to help preserve your assets and increase your preparedness for the next stage of your life.
The New England Wealth Management Group is a team of experienced financial professionals who has helped numerous families, businesses and institutions meet the challenges standing between them and their financial goals. Our focus includes investments but goes far beyond to encompass virtually every aspect of your financial life through a personalized, comprehensive planning process. As a result, we have served as the go-to source for information and guidance whenever our clients have a financial question, concern or issue to address.
The New England Wealth Management Group is a team of experienced financial professionals who has helped numerous families, businesses and institutions meet the challenges standing between them and their financial goals. Our focus includes investments but goes far beyond to encompass virtually every aspect of your financial life through a personalized, comprehensive planning process. As a result, we have served as the go-to source for information and guidance whenever our clients have a financial question, concern or issue to address.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
We take pride in the depth and longevity of our client relationships. Many of our clients have been with us for decades and a number of them have introduced us to their children and grandchildren so we can continue to provide them with sound financial advice.
As you would expect, our clients include affluent families, successful business owners and corporate executives who are well established in their communities and careers. They have already built substantial wealth in many cases and are looking to us to help preserve what they’ve accumulated.
In addition, our clientele includes thriving businesses seeking to attract and retain talented employees with 401(k), 403(b) and other retirement plans. These clients are often all too aware that managing a comprehensive retirement plan for their employees requires a unique set of skills. As fiduciaries, they are responsible for selecting and monitoring service providers and investments, while also adhering to ERISA?regulations. The question for these clients is how to perform these tasks without diverting attention from core business issues. That’s where we can help. Our team can assist in:
As you would expect, our clients include affluent families, successful business owners and corporate executives who are well established in their communities and careers. They have already built substantial wealth in many cases and are looking to us to help preserve what they’ve accumulated.
In addition, our clientele includes thriving businesses seeking to attract and retain talented employees with 401(k), 403(b) and other retirement plans. These clients are often all too aware that managing a comprehensive retirement plan for their employees requires a unique set of skills. As fiduciaries, they are responsible for selecting and monitoring service providers and investments, while also adhering to ERISA?regulations. The question for these clients is how to perform these tasks without diverting attention from core business issues. That’s where we can help. Our team can assist in:
- Selecting the provider that best meets the plan’s needs and the sponsor’s concerns and circumstances
- Developing an appropriate Investment Policy for the plan
- Monitoring investment options over time and adding or eliminating options when necessary
- Providing education programs and one-to-one counseling for plan participants
- Complying with all IRS and Department of Labor regulations governing fiduciary and other plan sponsor responsibilities
Working With You
Over the decades, we have developed warm, long-standing client relationships because of the honesty we deliver and the trust that develops as a result of our commitment to being open and forthright. We take great pride in doing the right thing. It is at the heart of what we do.
Our collaborative process begins with conversations focused on thorough due diligence and gaining a comprehensive understanding of your financial life and aspirations. We utilize a time-tested process for helping to protect and grow wealth.
Our collaborative process begins with conversations focused on thorough due diligence and gaining a comprehensive understanding of your financial life and aspirations. We utilize a time-tested process for helping to protect and grow wealth.
Discovery Meeting
This in-depth conversation is designed to identify what is truly important to you, so we may create a customized plan fully aligned with your goals.
Create Wealth Management and Investment Plan
From this ongoing dialogue, we will analyze your current situation and develop specific strategies as part of your detailed wealth management and investment plan.
Plan Implementation
At this interactive presentation we will answer specific questions regarding the implementation of your plan and set up any desired services, such as online access, electronic delivery and automatic bill pay.
Regular Process Meetings
Ongoing phone calls or meetings focus on reviewing your progress and determining any adjustment that may be necessary, based on changes in the market and your personal situation.
Depth of Client Service:
Our clients know a team member will be in the office to answer any question they may have – large or small- or return their call ASAP.
Beyond your investments, we often work with Morgan Stanley specialists in such disciplines as lending, trusts and insurance to get their input on your overall financial situation and implement their suggestions, when appropriate.
Beyond your investments, we often work with Morgan Stanley specialists in such disciplines as lending, trusts and insurance to get their input on your overall financial situation and implement their suggestions, when appropriate.
MORGAN STANLEY RESEARCH
Morgan Stanley seeks to make complex financial ideas more digestible, so our clients have greater visibility into what we are doing on their behalf to plan for their financial future, and why. The links below provide an in-depth analysis on interesting and timely topics affecting the worlds of business and finance not only now, but in the foreseeable future.
Thoughts On The Market Podcast
Join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues give their perspective on the forces shaping the market and cover the latest trends in the financial marketplace.
Thoughts on The Market Podcast
Global Investment Committee On the Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on various topics including global equities, fixed income markets, monetary policy and more.
On The Markets
Morgan Stanley Ideas Podcast
From the use of satellites to solve some of the world's most complex problems, to mitigating group-think when making important decisions, the Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond. Click the link below for more information and to access our podcast library.
Morgan Stanley Ideas Podcast
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC Weekly ReportOur Suite of Digital Tools
Morgan Stanley's suite of financial wealth management technology makes it easier for our clients to view and manage their finances.
These digital tools allow for a more in-depth view of a client's finances, allowing The New England Wealth Management Group to provide more tailored advice and better service, so you can make better decisions.
These digital tools allow for a more in-depth view of a client's finances, allowing The New England Wealth Management Group to provide more tailored advice and better service, so you can make better decisions.
Morgan Stanley Online and MS Mobile
Morgan Stanley Online (MSO) has a variety of features beyond simply viewing your account balance and activity.
Features include:
- eAuthorizations: Authorize transactions securely, with a single click on Morgan Stanley Online and the Morgan Stanley Mobile App.
- Manage everyday finances such as paying bills online and sending money or transferring funds.
- Access to Morgan Stanley's current market research, as well as our financial education center.
Morgan Stanley Online RegistrationFeatures include:
- eAuthorizations: Authorize transactions securely, with a single click on Morgan Stanley Online and the Morgan Stanley Mobile App.
- Manage everyday finances such as paying bills online and sending money or transferring funds.
- Access to Morgan Stanley's current market research, as well as our financial education center.
Digital Vault
Digital Vault lets you easily manage and share your important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings.
All files are scanned for viruses and malware and are encrypted while transferred and stored. Access is limited to you and anyone you designate.
Get Started with Digital VaultAll files are scanned for viruses and malware and are encrypted while transferred and stored. Access is limited to you and anyone you designate.
LifeView®
With LifeView®, we'll define a portfolio that gets you to, and lasts you through, your retirement years. We'll create a financial framework to make sure we're on track in both phases of your retirement.
You'll Benefit From:
- A plan designed to achieve your goals, tailored to your specific risk preferences and circumstances
- Comprehensive monitoring
- Adjustments made for changes in the market
You'll Benefit From:
- A plan designed to achieve your goals, tailored to your specific risk preferences and circumstances
- Comprehensive monitoring
- Adjustments made for changes in the market
Total Wealth View
Total Wealth View allows you to link your financial information from other accounts at other institutions directly to your Morgan Stanley Online or Mobile App profile.
The ability to view all your assets in one place allows The New England Wealth Management Group to deliver advice based on your entire financial picture, rather than just based on the piece here at Morgan Stanley.
Learn MoreThe ability to view all your assets in one place allows The New England Wealth Management Group to deliver advice based on your entire financial picture, rather than just based on the piece here at Morgan Stanley.
eDelivery
Through eDelivery, you can review your account documents online. You will receive an email whenever a new document is available and can access the document by logging into Morgan Stanley Online.
Using eDelivery eliminates the risk of paper statements being intercepted or stolen through the mail.
Sign up for eDeliveryUsing eDelivery eliminates the risk of paper statements being intercepted or stolen through the mail.
Spending + Budgeting Tool
Efficiently track spending habits, easily categorize various expenses and create budgets across all of your accounts from both Morgan Stanley and other financial institutions. By sharing this information with our advisors, we can help you align your daily spending to your long-term goals.
More Information on the Spending + Budgeting ToolAWARD-WINNING WEALTH MANAGEMENT. FOCUSED ON YOU.
With the guidance of a Morgan Stanley Financial Advisor and the strength of a five-time award-winning wealth management platform<sup> <a href="#wm-disclosure-1" class="Link--underline"> <span class="sr-only">Footnote</span> 1 </a> </sup>, you can build, preserve, and manage your wealth with precision and purpose. For every stage of your financial journey.
Tax-Smart Solutions
Leading tax optimization capabilities\<sup\> \<a href="#wm\-disclosure\-2" class="Link\-\-underline"\> \<span class="sr\-only"\>Footnote\</span\> 2 \</a\> \</sup\> designed to deliver year\-round tax management with an eye toward reducing taxes and boosting after\-tax returns.
Seamless Cash Management Integration
A comprehensive, coordinated strategy with access to competitive yields, flexible financing options, and exclusive cash management resources.
Premier Risk Management and Cyber Defense
Industry\-acclaimed risk management tools\<sup\> \<a href="#wm\-disclosure\-3" class="Link\-\-underline"\> \<span class="sr\-only"\>Footnote\</span\> 3 \</a\> \</sup\> to help drive smarter portfolio decisions. In\-house team of cybersecurity experts dedicated to help protect you from cyber threats.
Personalized Legacy Planning
Guidance from experienced professionals across estate, trust, philanthropy, and financial planning to help preserve and grow your legacy.
An Industry-Leading Platform
Expert insights from 500+ equity analysts to help unlock your portfolio's potential and investment guidance.
Liquidity When You Need It
Industry\-leading securities\-based lending solutions to help access liquidity without selling assets or disrupting your investment strategy.\<sup\> \<a href="#wm\-disclosure\-4" class="Link\-\-underline"\> \<span class="sr\-only"\>Footnote\</span\> 4 \</a\> \</sup\>
Robust Concentrated Stock Solutions
Powerful tools and strategies to help manage concentrated stock positions and look to optimize portfolio outcomes.
Alternatives & Private Markets Access
A comprehensive alternative investments platform offering tailored solutions, early access to select offerings, and competitive pricing structures. Exclusive private market and pre\-IPO opportunities that were previously reserved for institutions.
Location
1500 Main St
19th Fl
Springfield, MA 01115
US
Direct:
(413) 734-7311(413) 734-7311
Toll-Free:
(800) 628-9046(800) 628-9046
Meet The New England Wealth Management Group
John J. Peterson
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(413) 736-1156(413) 736-1156
Phone:
(413) 736-1131(413) 736-1131
Jocelyn Mitchell, CFP®
Financial Advisor
Phone:
(413) 736-1159(413) 736-1159
Phone:
(413) 736-1139(413) 736-1139
Phone:
(860) 313-7177(860) 313-7177
Antonio Bastos, CRPS®
Vice President, Financial Advisor
Phone:
(413) 736-1121(413) 736-1121
Tami Maurice
Portfolio Associate
Phone:
(413) 736-1149(413) 736-1149
Diane Stone
Sr. Registered Associate
Phone:
(413) 736-1162(413) 736-1162
Ian Singer
Phone:
(413) 736-1185(413) 736-1185
About John Carty Jr.
John co-founded The New England Wealth Management Group and is also the branch manager of Morgan Stanley’s Springfield, MA office. As a financial services veteran with more than 20 years of experience, John joined Morgan Stanley in 2008 after building a thriving practice at two previous firms. His approach to working with clients and their families is based on comprehensive financial planning that encompasses asset management, lending and estate planning strategies.
In addition to working with individuals, John supports companies in effectively managing their retirement plans. John is among a select few Financial Advisors at Morgan Stanley to have earned the Corporate Retirement Director title. His specialized knowledge has granted him recognition throughout the retirement plan sector. John consults with 401(k) plan sponsors, and other defined contribution retirement plans and defined benefit plans.
John earned a B.S. in Communications with a concentration in Economics from The University of Massachusetts Amherst. He has been an active member of his community, serving on the board of the YMCA in Farmington, CT and coaching youth sports in Simsbury, CT; where he raised his son and daughter.
In addition to working with individuals, John supports companies in effectively managing their retirement plans. John is among a select few Financial Advisors at Morgan Stanley to have earned the Corporate Retirement Director title. His specialized knowledge has granted him recognition throughout the retirement plan sector. John consults with 401(k) plan sponsors, and other defined contribution retirement plans and defined benefit plans.
John earned a B.S. in Communications with a concentration in Economics from The University of Massachusetts Amherst. He has been an active member of his community, serving on the board of the YMCA in Farmington, CT and coaching youth sports in Simsbury, CT; where he raised his son and daughter.
Securities Agent: CA, VT, OK, WI, CT, MD, TN, VI, NC, ME, NY, MN, MI, OH, OR, WV, NV, DC, NE, NJ, VA, PA, NH, SD, TX, HI, GA, UT, WA, MA, MS, IL, MT, FL, AL, AR, SC, ND, RI, AZ, CO, PR, AK, NM, MO, KS, KY, LA, IN, DE, IA, ID, WY; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1132172
NMLS#: 1132172
About John J. Peterson
John co-founded The New England Wealth Management Group and brings more than 30 years of experience to every client he serves. As a Morgan Stanley Senior Portfolio Manager, he manages equities on a discretionary basis for clients who prefer not to make their own investment decisions. He also manages fixed income on a non-discretionary basis, employing a buy-and-hold approach for clients seeking income and preservation of capital.
John is a graduate of University of Massachusetts in Amherst with a double major in economics and legal studies. John began his career at Shearson Lehman in 1985 and then moved to Kidder Peabody in 1989. John and his team joined Morgan Stanley in 2008.
An avid fly fisherman, John was a long-time supporter of Casting for Recovery, an organization dedicated to providing healing outdoor retreats for women with breast cancer. He has also mentored several young entrepreneurs in their efforts to start innovative businesses.
John, his wife Maryanne and their daughter Julie reside in Wilbraham.
John is a graduate of University of Massachusetts in Amherst with a double major in economics and legal studies. John began his career at Shearson Lehman in 1985 and then moved to Kidder Peabody in 1989. John and his team joined Morgan Stanley in 2008.
An avid fly fisherman, John was a long-time supporter of Casting for Recovery, an organization dedicated to providing healing outdoor retreats for women with breast cancer. He has also mentored several young entrepreneurs in their efforts to start innovative businesses.
John, his wife Maryanne and their daughter Julie reside in Wilbraham.
Securities Agent: OH, SC, MO, MA, WA, VA, HI, WY, VT, UT, TX, TN, RI, PA, OR, NY, NM, NJ, NH, NC, MT, MS, MI, ME, MD, LA, IN, IL, GA, FL, DC, CT, CO, CA, AZ, AL, AK, NV; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1253214
NMLS#: 1253214
About Brett M. Singer
Brett has been in the Financial Services industry for over 30 years; starting his career at Merrill Lynch and spending the remainder of that time at Morgan Stanley, where he also held the role of Branch Manager. His primary focus throughout this period, has been to help clients achieve a successful and fruitful retirement. This has been accomplished by carefully listening to client’s needs and concerns and then employing comprehensive and sophisticated financial planning tools, along with suitable portfolio composition, to meet those needs.
He is also well experienced within the corporate finance arena, where he assists non-profit organizations and charitable institutions to help meet their goals. In addition, he works with small to mid-sized companies in helping to develop and successfully manage their corporate retirement programs.
Brett earned his BA from The University of Massachusetts at Dartmouth and his MBA in Finance, from The Western New England University. He has been active in many local non-profit organizations in and around the Springfield area.
He is also well experienced within the corporate finance arena, where he assists non-profit organizations and charitable institutions to help meet their goals. In addition, he works with small to mid-sized companies in helping to develop and successfully manage their corporate retirement programs.
Brett earned his BA from The University of Massachusetts at Dartmouth and his MBA in Finance, from The Western New England University. He has been active in many local non-profit organizations in and around the Springfield area.
Securities Agent: RI, WA, PA, OR, NJ, NC, UT, TX, MO, IN, CA, VT, OH, NV, NH, MS, MA, AK, MN, ME, HI, GA, AL, TN, AZ, NY, CO, NM, MD, FL, CT, VA, SC, MT, MI, LA, DC; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 31461
NMLS#: 31461
About Jocelyn Mitchell
Jocelyn joined the New England Wealth Management Group at Morgan Stanley in 2021 with over 30 years of experience in banking and financial services. Jocelyn has held her investment licenses since 2000 and earned her CFP® designation in 2020.
Jocelyn has a passion for educating her clients and helping them make informed decisions. As a CFP® professional, Jocelyn works closely with her clients to create and implement goals-based plans that focus on all aspects of their financial well-being.
Jocelyn earned both her BA in Economics and Math and her MBA in Finance from the University of Connecticut. She is active in her community and has served on several boards over the years. Jocelyn is currently serving on the board of the Farmington Valley YMCA.
Jocelyn resides in Canton Ct with her husband Dennis and two college-age children. Together they enjoy an active lifestyle of cycling, skiing and golf.
Jocelyn has a passion for educating her clients and helping them make informed decisions. As a CFP® professional, Jocelyn works closely with her clients to create and implement goals-based plans that focus on all aspects of their financial well-being.
Jocelyn earned both her BA in Economics and Math and her MBA in Finance from the University of Connecticut. She is active in her community and has served on several boards over the years. Jocelyn is currently serving on the board of the Farmington Valley YMCA.
Jocelyn resides in Canton Ct with her husband Dennis and two college-age children. Together they enjoy an active lifestyle of cycling, skiing and golf.
Securities Agent: AZ, LA, RI, NC, MD, GA, DC, AK, VT, UT, OH, MT, IN, NV, ME, CT, TX, VA, NY, NM, NH, AL, MI, MA, WA, TN, PA, NJ, FL, CA, SC, CO, OR, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 463735
NMLS#: 463735
About David T. Huntley
David has over 26 years of experience in the financial services industry. Throughout his career, David’s creativity, knowledge, and advice has helped individuals, families and businesses achieve their financial goals, maintain financial stability, and manage risk.
David grew up in western MA and currently lives in West Suffield, CT with his wife, Sue. They enjoy sports cars and spending time with their grandchildren and friends.
David grew up in western MA and currently lives in West Suffield, CT with his wife, Sue. They enjoy sports cars and spending time with their grandchildren and friends.
Securities Agent: VT, AL, WA, MS, MA, CO, AZ, VA, TN, SC, OH, MO, IN, NC, ME, MD, GA, NV, NH, TX, NY, NJ, LA, FL, DC, CT, AK, UT, PA, CA, RI, OR, NM, MT, MI; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1273011
NMLS#: 1273011
About Me
Sophie Stevens joined New England Wealth Management Group and Morgan Stanley in December 2022 as a banking and financial professional with over 30 years of experience. She has a diverse background ranging from developing corporate institutional money management and investment processes, to working with individuals and their families in financial planning and wealth management. Leading with financial planning, Sophie is a future-focused advisor to elevate access to investments, products, solutions and information to her clients. Her planning process is designed to help define financial goals and values, then build a customized plan. This may include risk management, legacy and estate planning strategies, retirement planning, debt management, insurance, tax-efficient investment planning, investment and wealth management, leveraging strategic resources and more. Professional training includes Advanced Financial Planning, Certified Financial Manager, Connecticut (Florida, Massachusetts and New York) Health and Life, Connecticut Partnership for Long Term Care, Member of Avon and West Hartford Chambers of Commerce.
Securities Agent: NY, CT, AZ, FL, OH, NH, MN, AK, WA, UT, TX, PA, MI, MT, ME, IN, DC, AL, TN, SC, MO, MD, MA, LA, VA, NV, NM, NC, GA, CA, VT, MS, RI, CO, OR, NJ; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 2479524
NMLS#: 2479524
About Antonio Bastos
Lifelong Western Massachusetts resident, Antonio Bastos is dedicated to helping individuals and businesses achieve their financial futures. He began his career in Financial Services in 2015. Antonio holds a BSBA in Business Management from Nichols College and maintains Series 6, 7, 63, and 65 licenses, alongside his CRPS® designation.
Antonio focuses on comprehensive wealth management, including retirement income planning, estate planning, and tax-efficient investment strategies. Antonio also has extensive background in corporate qualified retirement plan services, where he works with local business owners to improve participant outcomes through diligent investment and plan oversight and employee education.
Deeply committed to his community, Antonio serves on the Board of Directors for the East of the River 5 Town Chamber of Commerce and volunteers with several local nonprofits. Outside of the office, he enjoys spending quality time with his wife, Carly, his daughter, Camila and golden retriever, Kiya.
Antonio focuses on comprehensive wealth management, including retirement income planning, estate planning, and tax-efficient investment strategies. Antonio also has extensive background in corporate qualified retirement plan services, where he works with local business owners to improve participant outcomes through diligent investment and plan oversight and employee education.
Deeply committed to his community, Antonio serves on the Board of Directors for the East of the River 5 Town Chamber of Commerce and volunteers with several local nonprofits. Outside of the office, he enjoys spending quality time with his wife, Carly, his daughter, Camila and golden retriever, Kiya.
Securities Agent: TX, AR, WA, SC, PA, MO, DC, NY, NH, MT, LA, FL, WY, RI, MI, HI, OR, MA, UT, MD, IL, CT, CO, TN, NV, NM, MS, ME, DE, VT, OK, IN, VA, NJ, CA, AZ, OH, GA, AL, AK, NC; General Securities Representative; Investment Advisor Representative
About Tami Maurice
Tami has been working with John Peterson for over 30 years. During that time, she has helped clients open accounts, gather information for tax preparation, arrange for distributions and perform a multitude of tasks that have helped simplify their financial lives.
A graduate of North Adams State with a degree in Marketing, Tami went on to Western New England University where she earned an MBA in Finance. She realized early in her career that helping people was her passion and, in fact, many of the clients she has served over the years have become her friends.
Active in her community, Tami is an avid cyclist and participates in the grueling Pan-Mass Challenge, a well-known charitable event that raises funds for cancer. In addition to riding her bike from Sturbridge to Provincetown, Tami has coached her children’s soccer teams in Westfield for 15 years.
Tami currently reside in West Springfield.
A graduate of North Adams State with a degree in Marketing, Tami went on to Western New England University where she earned an MBA in Finance. She realized early in her career that helping people was her passion and, in fact, many of the clients she has served over the years have become her friends.
Active in her community, Tami is an avid cyclist and participates in the grueling Pan-Mass Challenge, a well-known charitable event that raises funds for cancer. In addition to riding her bike from Sturbridge to Provincetown, Tami has coached her children’s soccer teams in Westfield for 15 years.
Tami currently reside in West Springfield.
About Diane Stone
Diane started her career in 1991 with Kidder Peabody as an intern in high school. She quickly became interested in a career in the financial industry and was hired as an assistant to a team of Financial Advisors upon her graduating high school. During her 30 years career she has become an advocate for clients and her advisors by providing knowledgeable customer support in all areas of their daily operational needs as well as company policies and procedures. She currently holds her Series 7 and Series 63.
Diane and her two sons reside in West Springfield where she is actively involved with their academics and their various high school and college sports. She has organized many events with the Relay for Life, Juvenile Diabetes Foundation, Wreaths Across America and Friends of the Homeless as well as many other non-profit organizations.
Diane and her two sons reside in West Springfield where she is actively involved with their academics and their various high school and college sports. She has organized many events with the Relay for Life, Juvenile Diabetes Foundation, Wreaths Across America and Friends of the Homeless as well as many other non-profit organizations.
About Ian Singer
Ian earned his Bachelor of Arts degree in Political Science and Anthropology from Union College in Schenectady, NY. Post college, he furthered his education by obtaining a Paralegal Studies certificate from Middlesex College in Lowell, MA. Prior to joining Morgan Stanley, he was in retail management.
He is an avid amateur photographer who enjoys photographing the world around him. In addition, he enjoys writing poetry, playing a round of golf and skiing.
He was raised in Westfield, MA and currently lives in Southwick, MA.
He is an avid amateur photographer who enjoys photographing the world around him. In addition, he enjoys writing poetry, playing a round of golf and skiing.
He was raised in Westfield, MA and currently lives in Southwick, MA.
Contact John Carty Jr.
Contact John J. Peterson
Contact Brett M. Singer
Contact Jocelyn Mitchell
Contact David T. Huntley
Contact Sophie Stevens
Wealth Management
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Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
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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
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 and other 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
Please read the important disclosures below.
1) Morgan Stanley Wealth Management secured Money Management Institute/Barron’s Industry Awards for Wealth Manager Platform of the Year. The Wealth Manager Platform of the Year category recognizes a wealth manager platform that exemplifies innovation in delivering better outcomes for investors and Financial Advisors. This award has been secured in 2024, 2021, 2020, 2019 & 2018. The winners were selected by a specially appointed MMI Industry Awards Steering Council. The Steering Council consists of representatives from all segments of the MMI membership. After carefully reviewing the nominations submitted, the Steering Council determined a slate of finalists in each award category. The primary contacts at each of MMI’s 207 member firms were eligible to vote to determine the winners. Nominations were reviewed and evaluated to determine finalists June 2024 - July 2024. Finalists were voted on to determine a winner August 2024. MMI/Barron’s does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to MMI/Barron’s in exchange for its receipt of the award. Morgan Stanley is a member of MMI and pays a fee to MMI as part of its membership dues. Morgan Stanley’s receipt of this award is not indicative of any future performance. These awards were granted to Morgan Stanley based on the time period from October 2023 to June 2024. There were 6 firms considered for the Wealth Management Platform of the Year Award and 12 firms considered for the Distribution Excellence Award. The Money Management Institute (MMI) is the industry association representing financial services firms and Barron’s is a financial magazine; both groups are responsible for the award. Accolade qualifications for past years may vary; additional information available upon request.
2) Industry’s top tax-optimization technology refers to tax management capabilities developed by Eaton Vance and Parametric, affiliates of Morgan Stanley. Morgan Stanley is a leading provider of direct indexing strategies. According to Cerulli Associates’ Q1 2026 Managed Account Edition, Morgan Stanley ranked first among 15 firms in Direct Index SMA assets under management based on reported industry assets. The ranking reflects scale of assets and does not evaluate tax outcomes, performance, or quality of technology. Tax outcomes will vary and are not guaranteed.
3) The Celent Model Wealth Manager 2025 Awards for Data and Analytics and Essential and Emerging Technologies were granted to Morgan Stanley following an evaluation process conducted by Celent analysts. To be considered for this award, Morgan Stanley submitted Model Wealth Manager 2025 Nomination Award Worksheets to Celent on or about January 30, 2025. Celent judged each submission on three criteria: (1) Measurable business benefits of live initiatives; (2) degree of innovation relative to the industry; and (3) technology or implementation excellence. In order to win, the initiatives must demonstrate clear business benefits, innovation, and technology or implementation excellence. Celent does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to Celent in exchange for the award. Morgan Stanley is not affiliated with Celent. Based on their submission on January 30, 2025 for Celent’s 2025 Model Awards program, Celent granted Morgan Stanley their awards in June, 2025 and publicly shared the news in June, 2025. Celent is a global financial services research and advisory firm and is responsible for determining the recipient of this award.
4) Q4 2025 Securities Based Lending McLagan Survey – 6 Firm Report. Based on both Non-Purpose Lending and total SBL balances. Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss.
Not all products, tools, platforms, and services referenced are available to all clients. Please speak with your Financial Advisor for eligibility criteria.
Investing in securities involves risk, including possible loss of principal. Diversification does not guarantee a profit or protect against loss in a declining financial market.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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.
Cash management and lending products and services are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures below.
Important Risk Information for Securities Based Lending: Clients must be aware that: (1) Sufficient collateral must be maintained to support the loan and to take future advances; (2) Clients may have to deposit additional cash or eligible securities on short notice; (3) Some or all of the pledged securities may be sold without prior notice in order to maintain account equity at required collateral maintenance levels. Clients will not be entitled to choose the securities that will be sold. These actions may interrupt long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as "Morgan Stanley") reserve the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase the collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason.
With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan.
Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
There is no guarantee that tax-loss harvesting will achieve any particular tax result. Clients may elect Tax Management Services for the account by notifying their Financial Advisor, and indicate what Maximum Tax or Realized Capital Gain Instruction is desired for the account, if any. The Tax Management Services Terms and Conditions attached to the Morgan Stanley Smith Barney LLC Select UMA ADV brochure as Exhibit A will govern Tax Management Services in the account. Review the Morgan Stanley Smith Barney LLC Select UMA ADV brochure carefully with your tax advisor.
Industry acclaimed risk platform refers to Morgan Stanley Smith Barney LLC’s (“Morgan Stanley”) Portfolio Risk Platform. The assumptions used in the Report incorporate portfolio risk and scenario analysis employed by BlackRock Solutions (“BRS”), a financial technology and risk analytics provider that is independent of Morgan Stanley. BRS’ role is limited to providing risk analytics to Morgan Stanley, and BRS is not acting as a broker-dealer or investment adviser nor does it provide investment advice with respect to the Report. Morgan Stanley has validated and adopted the analytical conclusions of these risk models. The analysis provided is illustrative only. Morgan Stanley cannot predict a portfolio’s risk of loss due to, among other things, changing market conditions or other unanticipated circumstances. The analysis is based purely on assumptions made using available data and any of its forecasts are subject to change.
The footnotes below apply to the industry-leading claims referenced above. More information is available upon request.
Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Investment, Insurance and annuity products offered through Morgan Stanley Smith Barney LLC are NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please visit us at www.morganstanley.com/wealth or consult with your Morgan Stanley Financial Advisor to read about those differences.
The sole purpose of this material is to inform, and it in no way is intended to be an offer or solicitation to purchase or sell any security, other investment service, or to attract any funds or deposits. Investments mentioned may not be appropriate for all clients. Before making any investment, each investor should carefully consider the risks associated with the investment, as discussed in the applicable offering memorandum and make a determination based on their own particular circumstances that the investment is consistent with their investment objectives and risk tolerance.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
3Morgan 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
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 and other 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
Please read the important disclosures below.
1) Morgan Stanley Wealth Management secured Money Management Institute/Barron’s Industry Awards for Wealth Manager Platform of the Year. The Wealth Manager Platform of the Year category recognizes a wealth manager platform that exemplifies innovation in delivering better outcomes for investors and Financial Advisors. This award has been secured in 2024, 2021, 2020, 2019 & 2018. The winners were selected by a specially appointed MMI Industry Awards Steering Council. The Steering Council consists of representatives from all segments of the MMI membership. After carefully reviewing the nominations submitted, the Steering Council determined a slate of finalists in each award category. The primary contacts at each of MMI’s 207 member firms were eligible to vote to determine the winners. Nominations were reviewed and evaluated to determine finalists June 2024 - July 2024. Finalists were voted on to determine a winner August 2024. MMI/Barron’s does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to MMI/Barron’s in exchange for its receipt of the award. Morgan Stanley is a member of MMI and pays a fee to MMI as part of its membership dues. Morgan Stanley’s receipt of this award is not indicative of any future performance. These awards were granted to Morgan Stanley based on the time period from October 2023 to June 2024. There were 6 firms considered for the Wealth Management Platform of the Year Award and 12 firms considered for the Distribution Excellence Award. The Money Management Institute (MMI) is the industry association representing financial services firms and Barron’s is a financial magazine; both groups are responsible for the award. Accolade qualifications for past years may vary; additional information available upon request.
2) Industry’s top tax-optimization technology refers to tax management capabilities developed by Eaton Vance and Parametric, affiliates of Morgan Stanley. Morgan Stanley is a leading provider of direct indexing strategies. According to Cerulli Associates’ Q1 2026 Managed Account Edition, Morgan Stanley ranked first among 15 firms in Direct Index SMA assets under management based on reported industry assets. The ranking reflects scale of assets and does not evaluate tax outcomes, performance, or quality of technology. Tax outcomes will vary and are not guaranteed.
3) The Celent Model Wealth Manager 2025 Awards for Data and Analytics and Essential and Emerging Technologies were granted to Morgan Stanley following an evaluation process conducted by Celent analysts. To be considered for this award, Morgan Stanley submitted Model Wealth Manager 2025 Nomination Award Worksheets to Celent on or about January 30, 2025. Celent judged each submission on three criteria: (1) Measurable business benefits of live initiatives; (2) degree of innovation relative to the industry; and (3) technology or implementation excellence. In order to win, the initiatives must demonstrate clear business benefits, innovation, and technology or implementation excellence. Celent does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to Celent in exchange for the award. Morgan Stanley is not affiliated with Celent. Based on their submission on January 30, 2025 for Celent’s 2025 Model Awards program, Celent granted Morgan Stanley their awards in June, 2025 and publicly shared the news in June, 2025. Celent is a global financial services research and advisory firm and is responsible for determining the recipient of this award.
4) Q4 2025 Securities Based Lending McLagan Survey – 6 Firm Report. Based on both Non-Purpose Lending and total SBL balances. Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss.
Not all products, tools, platforms, and services referenced are available to all clients. Please speak with your Financial Advisor for eligibility criteria.
Investing in securities involves risk, including possible loss of principal. Diversification does not guarantee a profit or protect against loss in a declining financial market.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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.
Cash management and lending products and services are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures below.
Important Risk Information for Securities Based Lending: Clients must be aware that: (1) Sufficient collateral must be maintained to support the loan and to take future advances; (2) Clients may have to deposit additional cash or eligible securities on short notice; (3) Some or all of the pledged securities may be sold without prior notice in order to maintain account equity at required collateral maintenance levels. Clients will not be entitled to choose the securities that will be sold. These actions may interrupt long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as "Morgan Stanley") reserve the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase the collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason.
With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan.
Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
There is no guarantee that tax-loss harvesting will achieve any particular tax result. Clients may elect Tax Management Services for the account by notifying their Financial Advisor, and indicate what Maximum Tax or Realized Capital Gain Instruction is desired for the account, if any. The Tax Management Services Terms and Conditions attached to the Morgan Stanley Smith Barney LLC Select UMA ADV brochure as Exhibit A will govern Tax Management Services in the account. Review the Morgan Stanley Smith Barney LLC Select UMA ADV brochure carefully with your tax advisor.
Industry acclaimed risk platform refers to Morgan Stanley Smith Barney LLC’s (“Morgan Stanley”) Portfolio Risk Platform. The assumptions used in the Report incorporate portfolio risk and scenario analysis employed by BlackRock Solutions (“BRS”), a financial technology and risk analytics provider that is independent of Morgan Stanley. BRS’ role is limited to providing risk analytics to Morgan Stanley, and BRS is not acting as a broker-dealer or investment adviser nor does it provide investment advice with respect to the Report. Morgan Stanley has validated and adopted the analytical conclusions of these risk models. The analysis provided is illustrative only. Morgan Stanley cannot predict a portfolio’s risk of loss due to, among other things, changing market conditions or other unanticipated circumstances. The analysis is based purely on assumptions made using available data and any of its forecasts are subject to change.
The footnotes below apply to the industry-leading claims referenced above. More information is available upon request.
Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Investment, Insurance and annuity products offered through Morgan Stanley Smith Barney LLC are NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please visit us at www.morganstanley.com/wealth or consult with your Morgan Stanley Financial Advisor to read about those differences.
The sole purpose of this material is to inform, and it in no way is intended to be an offer or solicitation to purchase or sell any security, other investment service, or to attract any funds or deposits. Investments mentioned may not be appropriate for all clients. Before making any investment, each investor should carefully consider the risks associated with the investment, as discussed in the applicable offering memorandum and make a determination based on their own particular circumstances that the investment is consistent with their investment objectives and risk tolerance.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 4665150 (8/2025), 5378280 (5/2026)
