Geoffrey J. Miller, CFP®
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(520) 745-7012(520) 745-7012
The Old Pueblo Group at Morgan Stanley
Geoffrey J. Miller, CFP®James Lemaster, CIMA®George F. Herget Jr., CEPA®Jennifer Nicole Wright, CFP®Fernando Arreola, QPFC
Tucson:
(520) 519-2321(520) 519-2321
El Paso:
(915) 842-7949(915) 842-7949
Toll-Free:
(800) 347-3130(800) 347-3130
Industry Award WinnerOur Mission Statement
With over 110 years of combined industry experience and an emphasis on integrity,
we are committed to comprehensive Financial Planning and creating tailored investment solutions helping you preserve and grow
long term wealth.
The Old Pueblo Group named to Forbes Best-In-State Wealth Management Teams in Arizona for
2023, 2024, & 2025.
we are committed to comprehensive Financial Planning and creating tailored investment solutions helping you preserve and grow
long term wealth.
The Old Pueblo Group named to Forbes Best-In-State Wealth Management Teams in Arizona for
2023, 2024, & 2025.
About Us
Today’s investment universe is daunting. Our clients benefit from the knowledge, skills, and experience of six Financial Advisors with diverse backgrounds as well as a seasoned and professional staff.
Having multiple Certified Financial Planners® and a Financial Planning Specialist on the team, Financial Planning is at the core of our practice. It is through this comprehensive process that we are able to create a customized investment strategy for your unique situation. The strategy is implemented leveraging the vast resources and robust platform at our disposal.
As your trusted Financial Advisors we understand that life happens and your circumstances will change. It is essential that as your situation evolves your investments remain aligned with your objectives. We are committed to monitoring your strategy on an ongoing basis making adjustments as needed helping you achieve your long-term goals.
We are here to simplify an increasingly complex investing universe so that you may pursue your passions. We look forward to learning more about you and making a meaningful impact in your life.
* 2023, 2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023, 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Having multiple Certified Financial Planners® and a Financial Planning Specialist on the team, Financial Planning is at the core of our practice. It is through this comprehensive process that we are able to create a customized investment strategy for your unique situation. The strategy is implemented leveraging the vast resources and robust platform at our disposal.
As your trusted Financial Advisors we understand that life happens and your circumstances will change. It is essential that as your situation evolves your investments remain aligned with your objectives. We are committed to monitoring your strategy on an ongoing basis making adjustments as needed helping you achieve your long-term goals.
We are here to simplify an increasingly complex investing universe so that you may pursue your passions. We look forward to learning more about you and making a meaningful impact in your life.
* 2023, 2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023, 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- Retirement PlanningFootnote4
- Endowments and FoundationsFootnote5
- Trust AccountsFootnote6
- Qualified Retirement PlansFootnote7
- Corporate Retirement PlansFootnote8
- Long Term Care InsuranceFootnote9
- Planning for Education FundingFootnote10
- Cash Management and Lending ProductsFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Old Pueblo Approach
Our approach begins by getting to know you. It is critical that we collaborate and actively listen to gain a complete understanding of you and your family's specific needs, lifestyle, and objectives for the future. This allows us to create an investment solution tailored to your specific needs that we will monitor on an ongoing basis.
Over time, we have developed a disciplined process to help you achieve your goals:
1. Discovery
Our relationship begins with a conversation. We meet in person or video conference to talk—not just about your assets, but also about your values, aspirations and vision for the future. Understanding who you are and what you hope to accomplish enables us to identify potential gaps that may exist between you and your goals, and to develop customized strategies that help maximize your likelihood of success.
2. Planning
Using our understanding of you and your goals as a framework, we will propose a wealth management plan that contains specific strategies which are tailored to your unique financial situation. Our advice may encompass issues such as retirement planning, tax minimization potential, wealth transfer and family dynamics. You will also receive an asset allocation strategy designed to provide diversification for your portfolio and risk management.
3. Implementation
Once we agree on a path forward, we will work closely with you to bring the elements of your strategy to life. Combining our skills and experience with the resources and intellectual capital of Morgan Stanley, we help identify the most appropriate solutions for implementing your plan.
4. Ongoing Commitment
Ongoing communication and commitment is the foundation of a successful collaboration with you. We will make every effort to keep abreast of your evolving financial needs and priorities, and provide viable strategies to help you meet them.
5. Review & Evaluation
We review your financial plan on a regular basis, making changes as necessary to help ensure you continue to make progress toward your financial goals.
The Old Pueblo Group named Forbes Best-In-State Wealth Management Teams 2023, 2024, & 2025
In 2023, 2024, & 2025 the team was named one of Forbes Best-In-State Wealth Management Teams. This ranking is based on in-person and telephone due diligence meetings to evaluate each Financial Advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion.
2023, 2024, 2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023, 2024, 2025).
Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
James Lemaster and Geoffrey Miller named to Forbes Best-In-State Wealth Advisors for 2024 & 2025
In 2024 & 2025, James Lemaster and Geoffrey Miller were named one of Forbes Best-In-State Wealth Advisors. This ranking is based on an algorithm of qualitative criteria learned through telephone, virtual and in-person due diligence interviews, and quantitative data such as revenue trends and assets under management. The algorithm additionally weighs factors such as service models, compliance records and industry experience, and focuses on those that encompass best practices in their approach to working with clients.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2024, 2025) Data compiled by SHOOK Research LLC for the period 6/30/22 - 6/30/23, 6/30/23 - 6/30/24. Read More About Their Ranking
George Herget Jr. named to the Five Star Professonal Advisor list for 2020, 2021 & 2024
In 2020, 2021 & 2024, George Herget Jr. was named to the Five Star Professionals in Tucson, AZ.. The advisors included are a select group of individuals who are screened on a number of criteria. Among factors the survey takes into consideration are assets under management, revenue produced for the Firm, and quality of service provided to clients.
This award was issued on 10/1/24 by Five Star Professional (FSP) for the time period 12/12/23 through 7/9/24. Fee paid for use of marketing materials. Self-completed questionnaire was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria. 2431 Phoenix-area wealth managers were considered for the award; 101 (4% of candidates) were named 2024 Five Star Wealth Managers.
A Focus on Institutional Clients
We advise to a myriad of entities including medical practitioners and facilities, manufacturing, warranty programs, construction, commercial, retail products, engineering, franchises and more. It is our understanding of the requirements of Captive Insurance investments that we believe makes our service a value add in the industry. Our team has been instrumental in effecting policy change at our firm by being at the tip of the spear of this ever evolving area. Our direct hands-on experience working with numerous insurance companies and management entities across the country has helped strengthen our ability to serve clients and increase our presence nationwide. We also have an understanding of the risks involved, as well as the expectations and legal requirements that the various domiciles place on these relationships. Currently, our team advises on Captive Insurance relationships that domicile their programs in over 9 states, 2 Tribal Nations and 6 countries and co-advise fellow Morgan Stanley advisor team
Ability to Self-Insure
The core concept of Captive Insurance is the ability of business owners to self insure against risks associated with the business. This is done through the creation of a Captive Insurance company which exits to pool and diversify risks associated with the business, while at the same time allocating current dollars for future liabilities. Additionally, the business owner may be able to add coverages that are otherwise unavailable or which are prohibitively expensive if purchased on the open markets. The business owner may also be able to use a captive as a tool to leverage insurance brokers into offering commercial coverages at lower rates as those risks are transferred to the owners Captive Insurance company.
Deductible Premiums
Captive Insurance companies can also offer income tax savings. By allowing the business owner to reserve for future claims on a pretax basis, premiums paid are thus considered a deductible expense to the business. The use of the Captive Insurance company essentially creates a tax deduction to the operating entity that would otherwise would have been unavailable. Starting in 2017 Captive Insurance companies that elect 831(b) status can accept up to $2.2million a year in insurance premiums on a tax-exempt basis indexed to the CPI. If the risks that are insured never materialize, the captive insurance company makes an underwriting profit and the operating business keeps its deduction.
Tax-Efficient Withdrawals
Withdrawals from your account for other types of expenses beyond insurance claims are allowed. While those distributions will be taxed, the rate on those dividends can be significantly less than ordinary income tax rates. These types of withdrawals would be treated as a qualified dividend, and taxed at the long-term capital gains rate of 20% for high-income individuals. With the 3.8% Medicare surtax added, the effective tax rate on the withdrawn funds is 23.8%. In contrast, without using a captive insurance strategy, you’re likely facing a combined 37-50% tax rate with your federal and state taxes on those funds. You’re potentially decreasing your taxes by up to 50% when you deposit the funds into your captive insurance account making it a tax-efficient strategy.
Work With Us
The Old Pueblo Group has been working with Captive Insurance companies and their owners for over a decade. During that time, we have developed a full understanding of the complexities associated with Captive Insurance and, as a result, have helped guide our clients with the resources necessary to create, establish, and manage this important risk mitigation tool. By working closely with affluent business professionals and institutional clients over the course of our careers, we have focused on tax-efficiency and risk mitigation strategies that are made available to Captive Insurance companies and their beneficiaries. Our clients need to ensure their investments are fully compliant with state and federal regulators while still meeting all the mandates of a Captive Insurance company. Quality research coupled with strategic investment methodologies comprises the genetic makeup
of our comprehensive advisory services.
of our comprehensive advisory services.
Modern Wealth Tools, Market Commentary, & Tax Resources
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The GIC Weekly
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On The Markets
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
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Total Tax 365
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2025 Tax Tables
This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
Access the 2025 Federal Tax TablesGet To Know The Team A Little Better
At The Old Pueblo Group at Morgan Stanley, we work with some of the brightest and most experienced professionals in the industry to provide you the widest range of knowledge and experience possible. But when we’re not monitoring markets and managing accounts, we live some fascinating lives outside of the office. In order to better understand you as a client, we decided to share some details about us and what we do when we have some spare time. Going forward, we will be highlighting different members of the team on a monthly basis, giving you any additional insight the team has to offer and sharing a little bit about ourselves with you.
James Lemaster - The Big 'Sho'
James is one of the newest members of the Old Pueblo Group joining us in 2023 but brings with him decades of experience. Growing up in a military family and the son of a US Army pilot he has been fascinated with aviation from a young age. We hope you enjoy reading about James’ lifelong love of aircraft and soaring through the skies.
Click Here To Read James' Article
Jennifer Wright - From Hikes to Bleachers
Jen is one of the newer members of the Old Pueblo group, having joined in 2023. She just earned her Certified Financial Planner Certification and adds many essential strengths to the team. She has written a bit about one of her most cherished parts of life, the outdoors. Please enjoy Jen's article encompassing some amazing experiences in nature.
Click Here To Read Jennifer's Article
Kristine Newman - It's Just a Fitness Class
In this edition of the team's ongoing Personal Insights, we'd like to share a personally written article by our Senior Registered Associate, Kristine Newman. Please enjoy this unique experience about one of her many passions.
Click Here To Read Kristine's Article
Geoffrey J Miller - Vessels of Memories
Geoff has always been fascinated with all things nautical. No matter the size of ship or the destinations they were set out for, if it floats, he has a love for it. Please enjoy Geoff detailing how this passion became a reality.
Click Here To Read Geoff's Article
Rosa Reyna - Music and Dance
Rosa has held a love for music and dance her entire life. Her father was a instrumentalist (Mandolin) and her mother was a singer, and they started a family which consisted of 6 girls and 4 boys. Read Rosa's article below to learn how folk dance helped Rosa come out of her shy youth shell and become the person she is today.
Click Here To Read Rosa's Article
Fernando Arreola - The Greatest Game
Fernando has been playing golf since the age of 15. When he wasn't in school or working, you could find him either on the course or at the range practicing. To his surprise, many of the golf lessons he learned can be translated into life lessons. Read Fernando's article below to learn about some of the parallels between golf and life.
Click Here To Read Fernando's Article
George F Herget Jr - One Horsepower
For those of you who don't know George, he has a few horses. He likes to ride, and occasionally he participates in Search and Rescues. Read George's article below to know the reason behind this passion.
Click Here To Read George's ArticleLocation
7175 N Pima Canyon Dr
Tucson, AZ 85718
US
Direct:
(520) 519-2321(520) 519-2321
Toll-Free:
(800) 347-3130(800) 347-3130
303 N Oregon Street
9th Floor
El Paso, TX 79901
US
Direct:
(915) 842-7949(915) 842-7949
Meet The Old Pueblo Group
James Lemaster, CIMA®
Senior Vice President, Wealth Advisor, Portfolio Management Director
Phone:
(915) 842-7942(915) 842-7942
George F. Herget Jr., CEPA®
First Vice President, Financial Advisor
Phone:
(520) 519-2328(520) 519-2328
Jennifer Nicole Wright, CFP®
First Vice President, Wealth Management, Financial Advisor
Phone:
(520) 519-2353(520) 519-2353
Fernando Arreola, QPFC
Financial Advisor, Financial Planning Specialist, Workplace Advisor - Equity Compensation, Portfolio Manager
Phone:
(520) 745-7068(520) 745-7068
Kristine Newman
Senior Registered Associate
Phone:
(520) 519-2316(520) 519-2316
Rosa Reyna
Portfolio Associate
Phone:
(520) 745-7004(520) 745-7004
Blanca Arellano
Client Service Asociate
Phone:
(915) 842-7927(915) 842-7927
About Geoffrey J. Miller
Geoffrey J. Miller is a financial advisor for Morgan Stanley Wealth Management. A Tucson native, Geoffrey began his financial services career with Smith Barney. In 2016, to better serve his clients, Geoffrey co-founded the Old Pueblo Group at Morgan Stanley.
As a Certified Financial Planner®, Geoffrey is a problem-solver for his clients. He enjoys creating and implementing financial plans, portfolio management, and asset allocation strategies. Geoffrey has experience consulting, investment planning, and managing risk for institutional clients. He offers risk & asset management, for high-net worth clients.
Prior to starting his advisory career, Geoffrey served as a Surface Warfare Officer in the United States Navy. He was the Joint Operations Officer for JTF-515, under the 7th Fleet Admiral in Yokosuka, Japan, and as the Executive Officer aboard the USS Hurricane (PC-3) during forward deployed operations in the Northern Arabian Gulf.
In his spare time, Geoffrey coaches youth sports, and is an Assistant Scoutmaster for his local Boy Scout troop. He lends his leadership skills to various professional and charitable organizations, including the Arizona Captive Insurance Association, and the Southern Arizona Naval Academy Alumni Association. He was also formerly the Exalted Ruler of the Benevolent and Protective Order of Elks #385. Geoffrey earned a Bachelor’s of Science in Economics from the United States Naval Academy and Commission from the President of the United States in 2001. He enjoys flying, boating, golfing, and off-roading with his two sons. He lives in Tucson with his family.
As a Certified Financial Planner®, Geoffrey is a problem-solver for his clients. He enjoys creating and implementing financial plans, portfolio management, and asset allocation strategies. Geoffrey has experience consulting, investment planning, and managing risk for institutional clients. He offers risk & asset management, for high-net worth clients.
Prior to starting his advisory career, Geoffrey served as a Surface Warfare Officer in the United States Navy. He was the Joint Operations Officer for JTF-515, under the 7th Fleet Admiral in Yokosuka, Japan, and as the Executive Officer aboard the USS Hurricane (PC-3) during forward deployed operations in the Northern Arabian Gulf.
In his spare time, Geoffrey coaches youth sports, and is an Assistant Scoutmaster for his local Boy Scout troop. He lends his leadership skills to various professional and charitable organizations, including the Arizona Captive Insurance Association, and the Southern Arizona Naval Academy Alumni Association. He was also formerly the Exalted Ruler of the Benevolent and Protective Order of Elks #385. Geoffrey earned a Bachelor’s of Science in Economics from the United States Naval Academy and Commission from the President of the United States in 2001. He enjoys flying, boating, golfing, and off-roading with his two sons. He lives in Tucson with his family.
Securities Agent: FL, IN, IL, UT, NJ, MN, MA, KY, CA, NV, MS, MO, TN, KS, MD, GA, DC, AZ, WY, TX, DE, WI, SC, NM, NC, ME, LA, PR, WA, VA, SD, PA, OR, OK, OH, MI, HI, AR, AL, AK, NH, IA, CO, WV, NY, ID, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1282856
NMLS#: 1282856
About James Lemaster
James Lemaster is a Wealth Advisor, Senior Investment Management Consultant, and Senior Portfolio Manager with over thirty years of experience in the financial services industry with Morgan Stanley. He received a BS in Finance from the University of Colorado and an MBA in Accounting from the University of New Mexico.
Education is imperative, and James is always staying on top of the latest in Financial Planning to keep his clients in front of changes. He has completed numerous programs and courses at The University of Chicago and The Wharton School University of Pennsylvania. James has earned the CIMA® certification as well as other designations. He earned a spot on Forbes 2022 Best-In-State Wealth Advisors Ranking. His experience and designations allow him to customize investment strategies for his clients.
James has two children who enjoy outdoor sports. James is very passionate about aviation and has been involved with many charitable boards over the past 25 years.
Source: Forbes.com (April 2022) 2022 Forbes Best-In- State Wealth Advisors rankings awarded in 2022. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 6/30/20 - 6/30/21. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
Education is imperative, and James is always staying on top of the latest in Financial Planning to keep his clients in front of changes. He has completed numerous programs and courses at The University of Chicago and The Wharton School University of Pennsylvania. James has earned the CIMA® certification as well as other designations. He earned a spot on Forbes 2022 Best-In-State Wealth Advisors Ranking. His experience and designations allow him to customize investment strategies for his clients.
James has two children who enjoy outdoor sports. James is very passionate about aviation and has been involved with many charitable boards over the past 25 years.
Source: Forbes.com (April 2022) 2022 Forbes Best-In- State Wealth Advisors rankings awarded in 2022. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 6/30/20 - 6/30/21. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
Securities Agent: CA, MA, NY, NM, LA, IN, OR, MO, KS, IL, AR, WV, SC, OK, MD, ID, GA, TX, MI, KY, WI, SD, OH, NV, NC, HI, DE, CT, UT, MN, AL, PR, WY, WA, VA, FL, DC, AZ, AK, TN, PA, MS, IA, CO, ME; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1339244
NMLS#: 1339244
About George F. Herget Jr.
George, originally from Aurora, Colorado, graduated from the University of Arizona with a Bachelor's of Science in Agriculture with a focus on Agricultural Economics. While excelling in school, George also competed as a member of the Men’s Gymnastic team.
George started his 33 year career in finance as a Life Insurance agent, and eventually transitioned into a Financial Advisor. His focus and experience has been centered around insurance, retirement and estate planning strategies while also considering himself a student of the markets.
In 2023 George obtained the Certified Exit Planning Advisor (CEPA) designation from the Exit Planning Institute. As a CEPA George works with business owners to align both Personal and Business planning and discuss succession and exit strategies to unlock the value of an enterprise and achieve higher market multiples.
George has many passions outside the office which includes golf, fly fishing, and trap shooting. He is an avid cyclist having competed in various endurance competitions throughout the southwest. However, it is his affection for horses that captures his heart most. George is the current President and Founding member of Southern Arizona Mounted Search and Rescue directly helping the community through his horsemanship.
He and his wife Beth have been married over 30 years, have 2 children, and 2 grandchildren.
George started his 33 year career in finance as a Life Insurance agent, and eventually transitioned into a Financial Advisor. His focus and experience has been centered around insurance, retirement and estate planning strategies while also considering himself a student of the markets.
In 2023 George obtained the Certified Exit Planning Advisor (CEPA) designation from the Exit Planning Institute. As a CEPA George works with business owners to align both Personal and Business planning and discuss succession and exit strategies to unlock the value of an enterprise and achieve higher market multiples.
George has many passions outside the office which includes golf, fly fishing, and trap shooting. He is an avid cyclist having competed in various endurance competitions throughout the southwest. However, it is his affection for horses that captures his heart most. George is the current President and Founding member of Southern Arizona Mounted Search and Rescue directly helping the community through his horsemanship.
He and his wife Beth have been married over 30 years, have 2 children, and 2 grandchildren.
Securities Agent: TN, AR, AZ, SC, MA, IL, DC, TX, NY, MI, WY, WI, NM, NC, MD, GA, CT, SD, MS, MO, IN, CA, WV, PA, OH, KS, KY, IA, CO, PR, WA, VA, UT, LA, FL, DE, AK, OR, OK, NV, MN, HI, AL, ME, ID; General Securities Representative; Investment Advisor Representative
NMLS#: 1370414
CA Insurance License #: #0F95291
NMLS#: 1370414
CA Insurance License #: #0F95291
About Jennifer Nicole Wright
Jennifer Wright is a Financial Advisor with Morgan Stanley. She is honored to help individuals and entities tailor solutions for their unique situations by getting to know them personally. Jennifer began her career at Morgan Stanley in 2005 after receiving a Bachelor of Science in Accounting at Ball State University in December 2004. Jennifer worked as a Complex Service Manager and joined The Lemaster Group in 2011 as a Wealth Management Associate. In 2017 she became a Financial Advisor.
Jennifer is a CERTIFIED FINANCIAL PLANNER™ professional which enables her to take a comprehensive approach to financial planning, a key component in tailoring investment solutions for clients. Her years of experience in Operations and Management give her insight into the breadth of products and services that Morgan Stanley offers to clients.
Jennifer resides in Tucson, Arizona with her husband and two children. They love spending time outdoors exploring the beautiful scenery of Tucson. She is excited to volunteer on the field with the Empire Little League and serve on the board for the Wildcats Youth Football and Spirit Federation.
Jennifer is a CERTIFIED FINANCIAL PLANNER™ professional which enables her to take a comprehensive approach to financial planning, a key component in tailoring investment solutions for clients. Her years of experience in Operations and Management give her insight into the breadth of products and services that Morgan Stanley offers to clients.
Jennifer resides in Tucson, Arizona with her husband and two children. They love spending time outdoors exploring the beautiful scenery of Tucson. She is excited to volunteer on the field with the Empire Little League and serve on the board for the Wildcats Youth Football and Spirit Federation.
Securities Agent: PA, MA, TN, NV, NM, KS, OR, DC, WV, SD, NY, MD, IL, SC, MS, IN, UT, KY, IA, HI, FL, DE, AZ, WY, WA, TX, OK, OH, ME, LA, CA, AK, PR, NC, MO, MN, MI, ID, GA, CO, VA, CT, AL, WI; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1662619
NMLS#: 1662619
About Fernando Arreola
Fernando joined Morgan Stanley in 2016 and has learned different facets of the business through his various roles at the Firm. He started in Operations, obtaining his Series 7 and Series 66 Licenses and learning the fundamentals of the business. He then became a Wealth Advisor Associate where he assisted Financial Advisors and their clients find solutions to their Wealth Management needs through Financial Planning. It is during this time that Fernando developed a passion for Financial Planning and obtained the Financial Planning Specialist designation. His thorough planning process allows him to develop, implement, and monitor a tailored investment solution for his client’s unique needs. As an Equity Compensation Advisor Fernando also has experience working with executives helping them manage their equity awards such as Restricted Stock Units and Stock Options as part of their larger financial picture.
In 2022, 2023, and 2024 Fernando was named to the Firm’s prestigious Pacesetter’s Club, a global recognition program for Financial Advisors who, early in their career, have demonstrated the highest professional standards and first class client service.
Fernando received his Bachelor of Arts Degree in Economics from Michigan State University. He was born in Hermosillo, Sonora, Mexico and has lived abroad in Japan and the United Kingdom, developing his love of travel from an early age. In his leisure time, you can find Fernando on the golf course, playing tennis, and spending time with his family. He is also an avid reader and enjoys reading nonfiction such as biographies and books on investing. In his spare time Fernando also volunteers at The First Tee of Tucson as a Coach and serves on the board of the Michigan State University Tucson Alumni Club.
Pacesetter’s Club
Morgan Stanley Wealth Management Pacesetter’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Club membership is no guarantee of future performance.
In 2022, 2023, and 2024 Fernando was named to the Firm’s prestigious Pacesetter’s Club, a global recognition program for Financial Advisors who, early in their career, have demonstrated the highest professional standards and first class client service.
Fernando received his Bachelor of Arts Degree in Economics from Michigan State University. He was born in Hermosillo, Sonora, Mexico and has lived abroad in Japan and the United Kingdom, developing his love of travel from an early age. In his leisure time, you can find Fernando on the golf course, playing tennis, and spending time with his family. He is also an avid reader and enjoys reading nonfiction such as biographies and books on investing. In his spare time Fernando also volunteers at The First Tee of Tucson as a Coach and serves on the board of the Michigan State University Tucson Alumni Club.
Pacesetter’s Club
Morgan Stanley Wealth Management Pacesetter’s Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Club membership is no guarantee of future performance.
Securities Agent: WA, SD, NC, MS, KS, IA, NV, ID, CT, CA, TN, PA, MN, TX, SC, LA, GA, DE, AR, WV, VA, NY, MD, AK, MA, IN, IL, FL, WI, UT, OR, MO, ME, AZ, AL, NM, MI, HI, CO, PR, KY, OK, OH, DC, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 1894339
NMLS#: 1894339
About Kristine Newman
Kristine Newman began her career in financial services as a bank teller, and later as a customer service representative with Discover, previously a Morgan Stanley subsidiary, over a decade ago. With a passion for client service, she has trained others in national new accounts and account surveillance fraud. Kristine was designated an elite representative supporting the top 10% of financial advisors nationally. She joined the parent company in 2005, and has worked within several of the firm’s customer service units.
Kristine became a client service associate in 2013, and joined The Old Pueblo Group in 2015. She leverages her experience and licenses (Series 7 and 63) to effectively serve clients, which is what she enjoys most about her role.
Originally from Salt Lake City, Utah, Kristine now resides in Tucson with her two sons and several dogs. When not assisting clients with a variety of matters, Kristine enjoys spending time with her family, working out, and teaching Les Mills BODYPUMP and RPM classes as a Certified Fitness Instructor.
Kristine became a client service associate in 2013, and joined The Old Pueblo Group in 2015. She leverages her experience and licenses (Series 7 and 63) to effectively serve clients, which is what she enjoys most about her role.
Originally from Salt Lake City, Utah, Kristine now resides in Tucson with her two sons and several dogs. When not assisting clients with a variety of matters, Kristine enjoys spending time with her family, working out, and teaching Les Mills BODYPUMP and RPM classes as a Certified Fitness Instructor.
About Rosa Reyna
Rosa brings more than 33 years of banking experience having started in 1985 with Valley National Bank (now J.P. Morgan Chase) with a wide array of banking experience from personal to commercial lending to credit cards. The last 10 years with the bank was spent working within the Private Client International Department. In 2006 she moved to Merrill Lynch to expand her knowledge to become a Senior Registered Associate with a team in the International Wealth Management. In March 2019 she joined the Old Pueblo Group at Morgan Stanley.
About Blanca Arellano
Blanca brings depth and experience to the Old Pueblo Group with a career in the financial services industry spanning over 22 years. Originally starting in 2003 at GECU, the largest credit union in El Paso, TX, she spent the next eight years working her way up through various positions from teller to Loan Officer. After relocating to Albuquerque, NM, in 2011, she joined Bank of America as a Service Specialist. Having established herself as a true professional, she was then transferred to Midland, TX and joined US Trust , a Bank of America company. This was where she discovered her passion for working with high-net-worth clients and the importance of investments and financial planning. Her efforts ultimately afforded her the opportunity to move to New York City with a focus on Trust management. However, after some time in the Big Apple, she started to miss home and decided it was time to return to Texas, where she joined Merrill Lynch as a Client Service Associate and started her family.
Looking for new adventures and opportunity, Blanca then joined Morgan Stanley in 2021 as a Service Associate gaining incredible insight to the operational side of the business and improving the client experience. This past year, she was asked to join the Old Pueblo Group as a Client Service Associate.
Blanca is a mother to a beautiful girl and two rambunctious yorkies. They love to travel and have a mission to visit all 50 states. She enjoys spending time with extended family, cooking, attending concerts, and dabbles in photography. In addition, she enjoys the occasional adventures, and has been skydiving three times, snorkeling with baby sharks and sting rays, and even an appearance on a Spanish TV show.
Looking for new adventures and opportunity, Blanca then joined Morgan Stanley in 2021 as a Service Associate gaining incredible insight to the operational side of the business and improving the client experience. This past year, she was asked to join the Old Pueblo Group as a Client Service Associate.
Blanca is a mother to a beautiful girl and two rambunctious yorkies. They love to travel and have a mission to visit all 50 states. She enjoys spending time with extended family, cooking, attending concerts, and dabbles in photography. In addition, she enjoys the occasional adventures, and has been skydiving three times, snorkeling with baby sharks and sting rays, and even an appearance on a Spanish TV show.
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Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2023-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisors
2024-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
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Wealth Management
From Our Team
JAMES PI ARTICLE SEP 2025 UPLOAD
Wealth Management
Global Investment Office
Portfolio Insights
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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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
A Simple Six-Step Retirement Checkup
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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 Old Pueblo Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan 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.
4When 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, 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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8When 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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When 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.
11Morgan 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
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan 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.
4When 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, 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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8When 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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When 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.
11Morgan 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
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
