Phone:
(402) 399-6309(402) 399-6309
The Omaha Group at Morgan Stanley
Direct:
(402) 397-0900(402) 397-0900
Toll-Free:
(800) 228-3309(800) 228-3309
Industry Award WinnerOur Mission Statement
Working with you to preserve and grow wealth for your long-term goals
Value investing, hometown roots
Hard work, trust, diligence and education--these are principles core to your values and core to our wealth management strategy. Sound wealth management comes from working with a team which constructs a financial strategy grounded in these values and which is tailored to your wants and needs.
Proper planning requires more than just selecting products off a shelf. You want a team which puts your interests first, is direct about options, and offers clarity and confidence regarding your investments. Wherever your path takes you--whether you're looking to finance a daughter's new home or rebuild a family after an unexpected loss--a personal and thorough financial plan tests and solidifies the outcome. By overseeing our clients' portfolios personally, we stay true to our hometown roots, keeping your interests as close as our own.
As your Financial Advisory team, The Omaha Group listens to your passions and future plans and helps pave the road for your individual journey. Our senior advisors have worked with our clients since the early 1980s, we've walked our clients through every step of their financial voyage--not just as their Financial Advisors, but as friends. Create the future you envision for yourself--and for your family.
Proper planning requires more than just selecting products off a shelf. You want a team which puts your interests first, is direct about options, and offers clarity and confidence regarding your investments. Wherever your path takes you--whether you're looking to finance a daughter's new home or rebuild a family after an unexpected loss--a personal and thorough financial plan tests and solidifies the outcome. By overseeing our clients' portfolios personally, we stay true to our hometown roots, keeping your interests as close as our own.
As your Financial Advisory team, The Omaha Group listens to your passions and future plans and helps pave the road for your individual journey. Our senior advisors have worked with our clients since the early 1980s, we've walked our clients through every step of their financial voyage--not just as their Financial Advisors, but as friends. Create the future you envision for yourself--and for your family.
Services Include
- Wealth ManagementFootnote1
- Asset Management
- Professional Portfolio ManagementFootnote2
- Wealth PlanningFootnote3
- Financial PlanningFootnote4
- Executive Financial ServicesFootnote5
- Trust AccountsFootnote6
- Estate Planning StrategiesFootnote7
- Divorce Financial AnalysisFootnote8
- Corporate Retirement PlansFootnote9
- Retirement PlanningFootnote10
- Business Succession PlanningFootnote11
- Long-term Care InsuranceFootnote12
- Life InsuranceFootnote13
- Cash Management and Lending ProductsFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
We start by listening to you-- your dreams, your concerns and, more importantly, the legacy you hope to leave for you and your family. That first step together leads us along a path where we construct a portfolio that dovetails to your personal objectives. As a boutique firm, we have the ability to guide you along every turn, helping you construct a wealth strategy plan that is uniquely yours.
Step 1. Introductory Meeting
Our relationship begins with an initial discussion aimed toward getting to know you, your family, your lifestyle and your future goals.
Step 4. Implementation
The implementation phase focuses on putting your goals into practice. You can expect this phase to include gathering of statements and documents and signing your account opening documents via DocuSign. Once we have opened all of the relevant accounts, we will put into practice the strategies outlined in your financial plan presentation.
Step 2. Discovery Meeting
During the discovery meeting, we will put together all of your financial information, including your current investments, employer sponsored retirement plans (past and present), your assets and liabilities, and your goals for the future into a comprehensive financial plan. For this meeting, we normally set aside 30-60 minutes.
Step 5. Monitoring
Once your strategy is in place, we will be monitoring your progress toward your goals. Your financial plan will be regularly discussed, and you will receive regular statements that show your progress toward your goals. During the Implementation phase, we will set you up on a regular meeting schedule. Meetings may be held either in-person, via phone or via Zoom video conference.
Step 3. Financial Plan Presentation
Financial plans are normally presented either in person or via Zoom video conferencing. Our plan for you can be as simple or as complex as your situation requires. During this meeting, you’ll be given opportunity to make corrections and update your goals and we will offer our analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Digital Toolbox
Our comprehensive suite of digital tools are designed to enhance every aspect of your financial life. Below are a few of the technologies that we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online
Allows you to manage your account online conveniently and securely or on your mobile device.
Learn More About MSO
Morgan Stanley Mobile App
Access your account wherever, whenever using the Morgan Stanley Mobile App. The Mobile App also offers features to help simplify your everyday finances including mobile check deposit and Send Money with Zelle, the new and convenient way to send and receive money.
Learn More About MS Mobile App
Morgan Stanley Digital Vault
Digital Vault lets you easily and conveniently manage and share life’s most important documents, such as financial statements, authorizations, tax filings, and other relevant files. All Digital Vault documents are virus scanned and encrypted for additional security.
Learn More About Digital Vault
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
Learn More About E-Authorization
Safe & Secure Data Access
Our highest priority is keeping your information protected. Morgan Stanley dedicates significant resources to protecting your assets and personal information.
Learn More About Safe & Secure Data Access
Security Center: How to Protect Yourself Online
Safeguarding your assets and information is one of our highest priorities, but you also have a critical role to play. Check out our collection of practical takeaways and best practices from our cybersecurity professionals, then explore a few of the ways we help protect you.
Learn more about Our Security Center:Valuable Resources
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. With tax season seemingly always right around the corner, it's best to be as informed as possible.
2025 Tax Tables
Cash Management Solutions
Morgan Stanley has a full suite of cash management solutions for your cash needs. Our Active Assets Account allows you to manage your investments and cash in one place. For a dedicated cash account, as an alternative to your traditional bank, explore our Morgan Stanley CashPlus Account.
Cash Management Solutions
Thoughts on the Market Podcast
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.
Thoughts on the Market Podcast
LAL
Bank lending product fully integrating with the Wealth Management platform, LAL is a securities-based loan that offers a range of borrowing options while pledging eligible securities from the client’s brokerage account at Morgan Stanley Smith Barney LLC as collateral.
LAL Video
The Morgan Stanley Platinum Card®
With benefits reimagined across travel, entertainment and dining, The Morgan Stanley Platinum Card® makes every day an adventure.
Click Here to Learn More
Reserved Living & Giving
We’re pleased to offer a complimentary program designed to help eligible clients enhance their lifestyles. Reserved Living & Giving is a loyalty program that goes beyond traditional wealth management services and provides access to one-of-a-kind experiences, discounts on premium brands, insights from thought leaders and philanthropic guidance.
Reserved Living & Giving
Certificate of Deposit Rates
Once you open an eligible Morgan Stanley brokerage account, you can take advantage of competitive rates from our new Certificate of Deposit (CD) Promotion, issued by either Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A.
Click Here to Learn More
Preparing for Your Meeting with an Estate Planning Attorney
You have worked long and hard to achieve success and build wealth for you and your family. There have been numerous challenges along the way. You may be at a point now where your greatest challenge is preserving your wealth and building a plan for its transition to those you choose in a way you choose.
Click Here to Learn More
The One Conversation You Should Be Having
Take these steps to ensure you have trusted decision-makers in place should you—or your parents—become incapacitated.
Click Here to Learn MoreThe Basics of Estate Planning
Get it Together Document
This spring, our team is focusing on an educational series of events focused on preparation for estate planning. Our first goal is to give you some practical, DIY things that you can do for yourself that pave the way for you to get it together.
Click Here to Learn More
Gift & Estate Tax Planning Video
Learn how specific trust strategies and the management of lifetime gifts can help you maximize your federal estate tax efficiency.
Click Here to Learn More
Irrevocable Trusts Video
Explore the different types of irrevocable trusts and the benefits of each in relation to your estate plan.
Click Here to Learn MoreLocation
13625 California St
Ste 400
Omaha, NE 68154
US
Direct:
(402) 397-0900(402) 397-0900
Toll-Free:
(800) 228-3309(800) 228-3309
Meet The Omaha Group
Phone:
(402) 399-6167(402) 399-6167
Phone:
(402) 399-6187(402) 399-6187
Amy Fritch
Client Service Associate
Phone:
(402) 399-6357(402) 399-6357
Alex Otte
Client Service Associate
Phone:
(402) 399-6162(402) 399-6162
About John A Dahir
John began his career with Charles Heider Co. on September 15th, 1980, a regional investment firm that would eventually become Morgan Stanley, where he would meet the future partners of The Omaha Group. With 44 years in financial and investment services, John serves as the team’s lead manager handling the construction of core equity portfolios within the Portfolio Management Program. His dedication to the firm earned John the 35 Year Dedicated & Loyal Service Award from Morgan Stanley, and a position on its President’s Council in 2019.
Graduating from Omaha’s Creighton Preparatory School in 1973, John later obtained a Bachelor of Science in Business Administration from the University of Nebraska-Lincoln, where he swam as a four-year letterman. Still an avid swimmer today, John also enjoys reading, traveling, staying fit and spending time with his two daughters Jaime and Isabella.
Graduating from Omaha’s Creighton Preparatory School in 1973, John later obtained a Bachelor of Science in Business Administration from the University of Nebraska-Lincoln, where he swam as a four-year letterman. Still an avid swimmer today, John also enjoys reading, traveling, staying fit and spending time with his two daughters Jaime and Isabella.
Securities Agent: IA, MS, TX, AZ, WA, UT, NY, NJ, MI, MD, ID, WI, NC, MN, NM, MO, ME, MA, FL, SD, PA, LA, KS, IL, GA, CO, PR, VA, OH, NV, NE, CA, AK, SC, OK, ND, HI, AL, IN, OR; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1290638
NMLS#: 1290638
About Nicci Clark
Nicci Clark is a Financial Advisor, Vice President and Senior Portfolio Manager.
Nicci graduated with a B.A.B.S in Finance from the University of Nebraska-Lincoln, and received her law degree from Creighton Law, where she studied Corporate, Business and Securities Law. After graduating from law school and passing the bar exam in 2002, she started a business and estate planning practice.
In 2006, she and her family moved to Mississippi with her husband’s Air Force career. She knew that a law practice in Omaha wasn’t going to work with a growing family and moving with her husband’s career, so she started teaching at Mississippi State University. While in that role, she coached a first-ever MSU financial planning team to the Top 8 of the Ameriprise Financial Planning Invitational (now known as the National Collegiate Financial Planning Championships).
After three years in Mississippi, Nicci and her family relocated to Washington, DC, where Nicci served on the board of the United States Air Force Officers’ Spouses’ Club. One year later, her family relocated to Oberstaufenbach, Germany. Nicci served as two-time co-chair of the Ramstein Bazaar, the proceeds from which supported Air Force organizations worldwide.
In 2013, she joined Morgan Stanley Wealth Management as a Financial Advisor in Macon, GA. She and her family relocated to Montgomery, AL in 2017 and she began working remotely with The Omaha Group at Morgan Stanley. In April 2018, she and her family moved back to Omaha and she formally joined The Omaha Group at Morgan Stanley as a partner in 2019.
Nicci continues to serve her community through the Nebraska DECA Advisory Board, and as the co-chair of the Elkhorn Public Schools Foundation Alumni Scholarship and she mentors marketing and business students whenever possible. She currently holds a CFP® (Certified Financial Planner) designation, a CDFA® (Certified Divorce Financial Analyst) designation and a QPFC (Qualified Plan Financial Consultant) designation.
Nicci currently lives in Papillion, NE, with her husband, Chris, a retired USAF Colonel, who is now a contractor instructor pilot at Offutt AFB. Their son, Joel, recently graduated from the University of Michigan and works in Chicago. Their daughter, Courtney, is a tuba player and music education major at the University of Nebraska-Lincoln.
In Nicci’s free time, she enjoys playing piano, going on her daily walk, traveling, anything related to Husker football, and is currently learning Spanish.
Nicci graduated with a B.A.B.S in Finance from the University of Nebraska-Lincoln, and received her law degree from Creighton Law, where she studied Corporate, Business and Securities Law. After graduating from law school and passing the bar exam in 2002, she started a business and estate planning practice.
In 2006, she and her family moved to Mississippi with her husband’s Air Force career. She knew that a law practice in Omaha wasn’t going to work with a growing family and moving with her husband’s career, so she started teaching at Mississippi State University. While in that role, she coached a first-ever MSU financial planning team to the Top 8 of the Ameriprise Financial Planning Invitational (now known as the National Collegiate Financial Planning Championships).
After three years in Mississippi, Nicci and her family relocated to Washington, DC, where Nicci served on the board of the United States Air Force Officers’ Spouses’ Club. One year later, her family relocated to Oberstaufenbach, Germany. Nicci served as two-time co-chair of the Ramstein Bazaar, the proceeds from which supported Air Force organizations worldwide.
In 2013, she joined Morgan Stanley Wealth Management as a Financial Advisor in Macon, GA. She and her family relocated to Montgomery, AL in 2017 and she began working remotely with The Omaha Group at Morgan Stanley. In April 2018, she and her family moved back to Omaha and she formally joined The Omaha Group at Morgan Stanley as a partner in 2019.
Nicci continues to serve her community through the Nebraska DECA Advisory Board, and as the co-chair of the Elkhorn Public Schools Foundation Alumni Scholarship and she mentors marketing and business students whenever possible. She currently holds a CFP® (Certified Financial Planner) designation, a CDFA® (Certified Divorce Financial Analyst) designation and a QPFC (Qualified Plan Financial Consultant) designation.
Nicci currently lives in Papillion, NE, with her husband, Chris, a retired USAF Colonel, who is now a contractor instructor pilot at Offutt AFB. Their son, Joel, recently graduated from the University of Michigan and works in Chicago. Their daughter, Courtney, is a tuba player and music education major at the University of Nebraska-Lincoln.
In Nicci’s free time, she enjoys playing piano, going on her daily walk, traveling, anything related to Husker football, and is currently learning Spanish.
Securities Agent: NJ, TX, NE, MA, AZ, AK, NM, MI, IA, HI, WI, SC, OK, ND, AL, OR, MO, GA, FL, CO, CA, UT, SD, NC, IL, VA, PR, OH, NV, ME, MS, PA, NY, KS, ID, IN, WA, MN, MD, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 1282648
CA Insurance License #: 0M95778
NMLS#: 1282648
CA Insurance License #: 0M95778
About Justin Humphrey
I work with high-earning professionals with complex careers to provide guidance for thoughtful, well-structured financial decisions.
Many of the individuals and families I work with have demanding, highly regulated careers where income can be significant, but financial decisions are rarely simple. Markets shift, rules evolve, and career transitions can often introduce new variables. My role is to help bring clarity, structure, and discipline to those decisions, supporting clients as they plan proactively and navigate evolving circumstances.
I draw on an engineering background and military experience in analytical, high-stakes environments to guide clients through complex planning challenges. I work alongside a seasoned advisory team with deep experience across investments, tax management strategies, retirement planning, estate planning strategies, and lending solutions. Together, we support clients in thinking ahead by evaluating potential risks, considering potential opportunities, and building strategies designed to adapt as careers and priorities evolve.
My approach is collaborative and focused on long-term planning. I take the time to understand each client’s goals, values, and constraints, and coordinate closely with CPAs, attorneys, and other professionals when appropriate. The objective is not just to manage assets, but to develop an integrated financial strategy that aligns income, investments, tax management strategies, and long-term planning into a clear framework to support informed decision-making.
Many clients seek working with someone who understands structured careers, performance-based compensation, and the importance of planning transitions in advance. Above all, I aim to serve as a consistent resource—helping clients navigate decisions thoughtfully and stay focused on what matters most with a strategy designed to evolve alongside their priorities.
I am a graduate of the University of Nebraska–Lincoln, where I earned a degree in Civil Engineering, and I was commissioned into the United States Air Force in 2020. I now live in Omaha with my wife, Kelsey. Outside of work, I enjoy reading, training for triathlons, spending time outdoors, and cooking. Most importantly, I value time with my wife and family and enjoy building meaningful relationships both personally and professionally.
Many of the individuals and families I work with have demanding, highly regulated careers where income can be significant, but financial decisions are rarely simple. Markets shift, rules evolve, and career transitions can often introduce new variables. My role is to help bring clarity, structure, and discipline to those decisions, supporting clients as they plan proactively and navigate evolving circumstances.
I draw on an engineering background and military experience in analytical, high-stakes environments to guide clients through complex planning challenges. I work alongside a seasoned advisory team with deep experience across investments, tax management strategies, retirement planning, estate planning strategies, and lending solutions. Together, we support clients in thinking ahead by evaluating potential risks, considering potential opportunities, and building strategies designed to adapt as careers and priorities evolve.
My approach is collaborative and focused on long-term planning. I take the time to understand each client’s goals, values, and constraints, and coordinate closely with CPAs, attorneys, and other professionals when appropriate. The objective is not just to manage assets, but to develop an integrated financial strategy that aligns income, investments, tax management strategies, and long-term planning into a clear framework to support informed decision-making.
Many clients seek working with someone who understands structured careers, performance-based compensation, and the importance of planning transitions in advance. Above all, I aim to serve as a consistent resource—helping clients navigate decisions thoughtfully and stay focused on what matters most with a strategy designed to evolve alongside their priorities.
I am a graduate of the University of Nebraska–Lincoln, where I earned a degree in Civil Engineering, and I was commissioned into the United States Air Force in 2020. I now live in Omaha with my wife, Kelsey. Outside of work, I enjoy reading, training for triathlons, spending time outdoors, and cooking. Most importantly, I value time with my wife and family and enjoy building meaningful relationships both personally and professionally.
Securities Agent: SD, OH, TX, HI, SC, MN, MI, GA, VA, ND, IN, AK, PR, OR, NY, NM, MS, ME, IA, WI, PA, NC, MO, IL, OK, NV, MD, UT, LA, CO, AR, NJ, FL, AL, MA, CA, AZ, WA, NE, KS, ID; General Securities Representative; Investment Advisor Representative
NMLS#: 2778189
NMLS#: 2778189
About Amy Fritch
Amy began her career in financial services in 2015 and comes to us as a Client Service Associate. While she enjoys working with both clients and advisors, Amy’s favorite role is that of a mother to her four grown children. In her free time, Amy enjoys gardening, crafting, traveling and home renovations.
About Alex Otte
Alex is joining our team as a Senior Registered Client Service Associate. Alex is a graduate of Doane College with a degree in Business Management. With over a decade of experience, his roles in the financial industry have included financial advising, securities trading, managing professional brokers, and (most importantly) working to make an impact on client lives.
Alex and his wife Brandi have two rambunctious girls, Annabelle and Madelyn. When not at work he can be found camping and fishing with his family, traveling to a new destination, working on an endless supply of home improvement projects, or cheering on the Green Bay Packers.
Alex and his wife Brandi have two rambunctious girls, Annabelle and Madelyn. When not at work he can be found camping and fishing with his family, traveling to a new destination, working on an endless supply of home improvement projects, or cheering on the Green Bay Packers.
Contact John A Dahir
Contact Nicci Clark
Contact Justin Humphrey
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2025-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2025-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Eric Townsend
Private Banker
Sarah Ott, CFP®
Financial Planning Director, Vice President
Will Galvin
Planning Associate
About Eric Townsend
Eric Townsend is a Private Banker serving Morgan Stanley Wealth Management offices in Iowa, Nebraska, and Missouri.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Eric began his career in financial services in 1992 and joined Morgan Stanley in 2017. His professional experience includes more than 25 years as both a Financial Advisor and Private Banker.
Eric is a graduate of the University of Texas at Dallas, where he received a Bachelor of Science in Economics and Finance. He and his family live in Urbandale, Iowa. Outside of the office, Eric donates his time to Habitat for Humanity, St Jude Children’s Research Hospital and ChildServe, an organization dedicated to improving the health and well-being of children through clinical, home, and community-based programs and services.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Eric began his career in financial services in 1992 and joined Morgan Stanley in 2017. His professional experience includes more than 25 years as both a Financial Advisor and Private Banker.
Eric is a graduate of the University of Texas at Dallas, where he received a Bachelor of Science in Economics and Finance. He and his family live in Urbandale, Iowa. Outside of the office, Eric donates his time to Habitat for Humanity, St Jude Children’s Research Hospital and ChildServe, an organization dedicated to improving the health and well-being of children through clinical, home, and community-based programs and services.
NMLS#: 1112130
About Sarah Ott
Sarah Ott, CFP®, CPWA® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in the Midwest Market. She is responsible for advanced planning consultations and coaching.
Sarah began her career in Financial Services in 2014 and joined Morgan Stanley in 2022. Prior to her current position, she was a Financial Advisor and Director of Financial Planning Operations at Thrivent Financial.
Sarah graduated from Saint Louis University with a Bachelor of Science in Business Administration with a concentration in Entrepreneurship. She holds her Certified Financial Planner® and Certified Private Wealth Advisor® designations. Outside of work, Sarah enjoys traveling with her family, trying new restaurants, and attending concerts and sporting events
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
Sarah began her career in Financial Services in 2014 and joined Morgan Stanley in 2022. Prior to her current position, she was a Financial Advisor and Director of Financial Planning Operations at Thrivent Financial.
Sarah graduated from Saint Louis University with a Bachelor of Science in Business Administration with a concentration in Entrepreneurship. She holds her Certified Financial Planner® and Certified Private Wealth Advisor® designations. Outside of work, Sarah enjoys traveling with her family, trying new restaurants, and attending concerts and sporting events
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
About Will Galvin
Will Galvin is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Will provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from James Madison University and received the Financial Planning Specialist® designation from the College for Financial Planning. Will is originally from Atlanta, Georgia and currently resides in Atlanta, Georgia.
He earned his undergraduate degree from James Madison University and received the Financial Planning Specialist® designation from the College for Financial Planning. Will is originally from Atlanta, Georgia and currently resides in Atlanta, Georgia.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When 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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When 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.
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Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
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’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.
3Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan Stanley 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.
8Morgan 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.
9When 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.
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 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.
11Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Morgan 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.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
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’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.
3Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan Stanley 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.
8Morgan 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.
9When 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.
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 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.
11Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Morgan 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.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
