

The Old Pueblo Group at Morgan Stanley
Geoffrey J. Miller, CFP®James Lemaster, CIMA®Scooter GrubbGeorge 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

Our Mission Statement
With over 125 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.*
Location
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
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: HI, MN, KS, SC, IA, WV, TX, TN, LA, ME, UT, NV, ID, WA, AZ, OR, VA, NY, CA, AR, IL, WI, NM, GA, DC, OH, MD, NH, FL, OK, NC, AK, DE, CT, MO, PA, CO, MI, SD, WY, MA, AL, NJ, KY, IN, MS; 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: UT, MA, TX, MI, KY, WI, SD, OH, NV, NC, HI, DE, CT, MN, CA, AL, AK, WY, WA, VA, FL, DC, AZ, TN, PA, MS, IA, CO, WV, SC, OK, MD, GA, NY, NM, LA, IN, OR, MO, KS, IL, AR, ME; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1339244
NMLS#: 1339244
About Scooter Grubb
Having begun his career in investment services in 1983, Lewis “Scooter” Grubb brings over 35 years of industry experience as a portfolio manager for The Old Pueblo Group. He focuses on stock trend analysis. By identifying supply and demand opportunities with stock price movement, Scooter’s portfolio strategy under the Morgan Stanley Portfolio Management program offers our clients a customized and personalized in-house portfolio offering. He joined Smith Barney in 2001, which merged with Morgan Stanley in 2009.
Originally from Canton, Ohio, he attended West Virginia Wesleyan College, and eventually settled down in Tucson in 1981.Outside of Morgan Stanley, Scooter is an avid, globally renowned and published photographer. He is a long-time Harley Davidson enthusiast who rides often, in order to spend time with his large extended family, friends and clients. He lives with his wife Carol, their four horses, and three dogs.
Disclaimer:
The Morgan Stanley Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Originally from Canton, Ohio, he attended West Virginia Wesleyan College, and eventually settled down in Tucson in 1981.Outside of Morgan Stanley, Scooter is an avid, globally renowned and published photographer. He is a long-time Harley Davidson enthusiast who rides often, in order to spend time with his large extended family, friends and clients. He lives with his wife Carol, their four horses, and three dogs.
Disclaimer:
The Morgan Stanley Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Securities Agent: AR, VA, UT, NV, LA, KY, SC, OK, OH, MS, MA, DC, AZ, AL, SD, PA, NM, MN, MD, IL, HI, AK, WY, TN, DE, WV, KS, CO, OR, ME, WA, TX, NC, IN, NY, GA, FL, CT, WI, IA, MO, MI, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1272839
NMLS#: 1272839
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: MA, AR, SC, IL, DC, TX, NY, MI, WY, WI, NM, NC, MD, GA, CT, WV, PA, OH, KS, KY, IA, CO, AZ, WA, VA, UT, LA, FL, DE, AK, OR, OK, NV, MN, HI, AL, SD, MS, MO, IN, CA, ME, TN; 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: OR, IN, TN, NV, NM, KS, DC, WV, SD, NY, MD, IL, WI, PA, MA, UT, KY, IA, HI, FL, DE, AZ, WY, WA, TX, OK, OH, ME, LA, CA, AK, NC, MO, MN, MI, GA, CO, VA, CT, AL, SC; 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.
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.
Securities Agent: FL, IA, NV, CT, CA, TN, PA, MN, TX, SC, LA, GA, DE, AR, OK, OH, DC, MA, IN, IL, WI, UT, OR, MO, ME, AZ, AL, NM, MI, HI, CO, KY, WV, VA, NY, MD, AK, WY, WA, SD, NC, MS, KS; 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 husband, Chris, their 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 husband, Chris, their 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.

Contact Geoffrey J. Miller

Contact James Lemaster

Contact Scooter Grubb

Contact George F. Herget Jr.

Contact Jennifer Nicole Wright

Contact Fernando Arreola
Wealth Management
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Ready to start a conversation? Contact The Old Pueblo Group today.
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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.
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
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The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)