Paul Miller, CFP®, CIMA®
Senior Vice President, Financial Advisor
Phone:
(636) 733-7611(636) 733-7611
The Omega Group at Morgan Stanley
Direct:
(636) 733-7611(636) 733-7611
Our Mission Statement
Providing our clients with custom tailored solutions on a multigenerational level to help them achieve their goals and aspirations.
Our Approach to Wealth Management
The Omega Group at Morgan Stanley is a distinguished financial advisory team dedicated to guiding clients through the complexities of wealth management with a focus on creating lasting legacies. Our philosophy is rooted in the belief that true wealth is measured not by numbers alone, but by the opportunities it creates for you and your family across generations.
Wealth: At The Omega Group, we understand that wealth is a tool for creating opportunities and securing a future for generations to come. Our mission is to help you leverage your financial resources to achieve your life goals and ensure a prosperous future for your family.
Trust: Trust is the cornerstone of our client relationships. We earn it by actively listening to your needs and responding with tailored solutions. Building trust takes time, and we are committed to nurturing these relationships over the long term.
Planning for Life: Recognizing that each client's journey is unique, we take the time to understand your individual circumstances. By asking the right questions, we construct a clear and guided path to help you fulfill your life's goals. Our aim is to simplify your financial life, allowing you to focus on what truly matters.
Change: Life is ever-evolving, and we are prepared to navigate the unexpected. Whether it's a shift in priorities, obligations, or lifestyle, we anticipate change and ensure you are ready to adapt.
Connecting Generations: Our goal is to help clients build financial security that spans generations. We work with you to create strategies for investing and protecting your assets, facilitating wealth transfer to heirs, and enriching future generations through planned gifting. We believe that the most meaningful legacies are born from a philanthropic vision, and we are committed to supporting your children and grandchildren through life's challenges and successes.
Investment Process: As a client-centric practice, The Omega Group bases all decisions on what is most appropriate and in the best interest of our clients. Our open-architecture platform ensures there is no conflict of interest in our recommendations, allowing us to provide unbiased and effective financial advice.
Simplifying Complexity: We believe that complexity is a matter of perception and experience. Our team is dedicated to simplifying your financial life, bringing clarity and order to your financial affairs.
The Omega Group at Morgan Stanley is committed to providing exceptional service and strategic guidance to help you achieve your financial aspirations. We invite you to join us on this journey to secure a prosperous future for you and your family.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
FINANCIAL PLANNING WITH THE OMEGA GROUP
Your financial plan should include more than just your investment objectives. Rather, it should be tailored to address the personal life and legacy goals you've identified and prioritized.
The Omega Group's planning process begins with you, your personal goals, your financial goals, and your investment objectives. It is holistic in its approach and encompasses all the key elements of your financial life as well as your cash management needs. Your curated wealth plan includes research and recommendations across a wide range of asset classes, themes, models, and investment managers to accomplish your objectives.
The CFP® Professional:
Paul Miller is certified by the CFP® Board. The CFP® designation shows that Paul has taken the extra step to demonstrate commitment and professionalism by voluntarily submitting to the rigorous CFP® certification process to better serve his clients.
The certification process includes demanding education, examination, experience, and ethical requirements. These four cornerstones set the foundation for the ability in helping clients achieve their goals. Paul's diverse skillsets can help you navigate the complicated financial factors in your life.
Our LifeView® Platform:
Using Morgan Stanley's LifeView® platform – Paul and the team can create your personal roadmap to help achieve and protect your goals - a framework that makes the connection between your life goals and your financial resources and provides a baseline for future discussions.
LifeView® Helps Us Help You:
- Analyze your current investments and financial situation
- Review and prioritize your goals with you, such as retirement
- Education funding
- Major purchases and philanthopic goals
- Protect your goals
- Develop wealth transfer strategies
Discover
Start with a conversation to gain a thorough understanding of your needs, lifestyle and family – and your goals for the future.
Advise
Work with you to develop portfolio strategies to help you achieve and protect the outcomes you envision.
Implement
Look across multiple accounts and products to help you implement solutions that are an appropriate fit for your strategy.
Track Progress
Help you track your progress as well as spending and savings to help ensure you remain on track towards your goals.
MANAGING YOUR LEGACY FOR GENERATIONS
At The Omega Group, we understand how important it is to ensure your wealth can last beyond just one lifetime. For some, leaving a legacy to the next generation can be a cornerstone to your financial plan. See the resources below for more information about managing and preserving significant family wealth.
Estate Planning Strategies
Tax, Trust & Estate (TTE) strategy has the potential to be incredibly powerful if executed effectively. For a successful TTE plan, it is critical to create a TTE implementation in combination with a TTE strategy.
Building a Family Enterprise That Lasts
Successful family businesses establish a shared mission and succession plan to endure for generations to come.
How to Break the Ice Around Family Finances
Money is one of the trickiest topics to discuss. But avoiding the conversation can lead to problems. Learn how to start the dialogue with your family.
Empowering the Next Generation of Philanthropists
Millennials and Gen Z are bringing new energy to the future of giving and civic engagement.
The State of Your Parents’ Estate
Talking with a parent about estate planning is never easy. Here are several conversation starters that can help adult children and their parents' plan.
You’ve Been Named as Your Parent’s Executor. Now What?
If you've been named as your parent's executor, you'll find it's a role with both emotional and administrative tasks. Here are some key guidelines.
The One Conversation You Should Be Having
Take these steps to ensure you have trusted decision-makers in place should you-or your parents-became incapacitated.
Thinking About Your Legacy? Why You May Need a Trust
You can't take it with you, but through a trust, you can define how you want your life's work and wealth to continue to benefit the people and causes you love and care for.
HELPING GUIDE CLIENTS THROUGH EVERY STAGE IN LIFE
Client service is an utmost priority at The Omega Group. We believe that client service is the cornerstone of a successful financial partnership. Our commitment to you goes beyond just managing your investments; it's about building a relationship based on trust, transparency, and a deep understanding of your unique financial goals.
We pride ourselves on being accessible, responsive, and proactive, providing clear communication and personalized guidance every step of the way.
Our Team
We take the time to get to know you beyond your financial concerns. Working in concert with your other trusted advisors, we build strategies and appropriate solutions to help you achieve your personal definition of financial success. This approach allows us to establish deep and lasting relationships, to deliver hands-on, high-end service and to generate consistently reliable outcomes that are uniquely tailored to you.
Our Clients
With some our client relationships spanning multiple generations, we understand the importance of brining stability to the financial planning process within a family. We often work with our clients' children when their parents need assistance managing their financial lives, and those children frequently become clients too when they see the benefit of coordinated wealth management as assets pass from one generation to the next.
White Glove Service
Our clients deserve - and expect – a team of experienced professionals who shares their vision, earns their trust, and work diligently to create a customized financial roadmap that is designed to help them achieve financial success. They have learned to depend on our deep understanding of the world's financial markets. And, above all, they have grown to appreciate our white glove service model.
Our External Partners
Serving as your family's CFO requires us to work efficiently with the professionals who are integral to your financial lives. We will coordinate your financial plan with your accountant, attorney, private banker and other trusted advisors, because we view them as partners committed to applying their knowledge and expertise on your behalf.
MODERN WEALTH TOOLS AND RESOURCES
Morgan Stanley's comprehensive suite of digital resources has been carefully designed to help enhance each and every aspect of your financial portfolio and life. Learn more about some of the Modern Wealth Management Tools that we offer to our valued clients.
Morgan Stanley Online
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorizations.
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool.
Total Wealth View
View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you'll benefit from more informed wealth planning, secure data access and convenient connectivity.
Digital Vault
Digital Vault allows for easy sharing and convenient access to your most important documents from wills and deeds to financial statements and tax fillings. Easily manage your encrypted financial records all in one place.
eDelivery
eDelivery provides you with the ability to view statements and other documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Family Office Resources
Morgan Stanley Family Office Resources provides specialized, technical expertise to select clients across a broad range of family wealth management issues. Our core capabilities span three complimentary areas of focus including Governance & Legacy, Wealth Strategies and Signature Access.
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Cyber Security Resources
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
GIC On the Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
2025 Federal Tax Tables
This document outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
Location
14805 N. Outer 40 Rd.
Suite 200
Chesterfield, MO 63017
US
Direct:
(636) 733-7611(636) 733-7611
Meet The Omega Group
Maria Briggs, CFP®, CIMA®
Senior Vice President, Investment Consultant
Phone:
(636) 733-7671(636) 733-7671
Gena O'Laughlin
Senior Registered Support Professional
Phone:
(636) 733-7696(636) 733-7696
About Me
Paul Miller serves as a Senior Vice President and Financial Advisor at Morgan Stanley, where he leverages his extensive experience and expertise to provide clients with comprehensive financial guidance. With a career spanning several decades, Paul is recognized for his strategic approach to wealth management and his commitment to helping clients achieve their financial goals.
Before entering the financial industry, Paul spent 15 years in sales, marketing, and finance with prominent companies such as General Electric, Rockwell International, and Rawlings Sporting Goods. This diverse background provided him with a strong foundation in business operations and client relations, skills that have been instrumental in his success as a financial advisor.
Paul began his career in the financial services industry at Merrill Lynch in 1985. He then joined Shearson Lehman/Citi Smith Barney in 1991, where he continued to develop his expertise in investment management. In 2009, Paul transitioned to UBS Financial Services, further expanding his capabilities and client base. In September 2025, he joined Morgan Stanley, bringing with him a wealth of knowledge and a client-centric approach.
Paul holds a Bachelor of Arts in Advertising from Drake University in Des Moines, Iowa, and a Master of Business Administration (MBA) from Southern Illinois University Edwardsville, where he was a member of Beta Gamma Sigma, the national honor society for business majors. He also completed the Investment Management Analyst Certification (CIMA) at the Wharton School of Business at the University of Pennsylvania.
As a Certified Financial Planner (CFP) since 1990 and a Certified Investment Management Analyst (CIMA) since 2005, Paul is well-equipped to provide clients with expert financial planning and investment management services. He is a past member of the Estate Planning Council of St. Louis, the Association of Professional Investment Consultants, and the Financial Planning Association.
Paul is deeply committed to his community, having served as a past board member and chairman of the Investment Committees for organizations such as the Boys and Girls Club of St. Louis, Mentor St. Louis, and FOCUS St. Louis. His volunteer work includes contributions to the St. Louis Volunteer Tax Assistance Program, Rebuilding St. Louis Together, Habitat for Humanity, and Forest Park Forever. Currently, Paul continues his community involvement with the Boys and Girls Club of Greater St. Louis and serves on the Cabinet of Life Trustees.
Paul's dedication to his clients and community, combined with his extensive experience and professional designations, make him a valuable asset to Morgan Stanley and the clients he serves.
Before entering the financial industry, Paul spent 15 years in sales, marketing, and finance with prominent companies such as General Electric, Rockwell International, and Rawlings Sporting Goods. This diverse background provided him with a strong foundation in business operations and client relations, skills that have been instrumental in his success as a financial advisor.
Paul began his career in the financial services industry at Merrill Lynch in 1985. He then joined Shearson Lehman/Citi Smith Barney in 1991, where he continued to develop his expertise in investment management. In 2009, Paul transitioned to UBS Financial Services, further expanding his capabilities and client base. In September 2025, he joined Morgan Stanley, bringing with him a wealth of knowledge and a client-centric approach.
Paul holds a Bachelor of Arts in Advertising from Drake University in Des Moines, Iowa, and a Master of Business Administration (MBA) from Southern Illinois University Edwardsville, where he was a member of Beta Gamma Sigma, the national honor society for business majors. He also completed the Investment Management Analyst Certification (CIMA) at the Wharton School of Business at the University of Pennsylvania.
As a Certified Financial Planner (CFP) since 1990 and a Certified Investment Management Analyst (CIMA) since 2005, Paul is well-equipped to provide clients with expert financial planning and investment management services. He is a past member of the Estate Planning Council of St. Louis, the Association of Professional Investment Consultants, and the Financial Planning Association.
Paul is deeply committed to his community, having served as a past board member and chairman of the Investment Committees for organizations such as the Boys and Girls Club of St. Louis, Mentor St. Louis, and FOCUS St. Louis. His volunteer work includes contributions to the St. Louis Volunteer Tax Assistance Program, Rebuilding St. Louis Together, Habitat for Humanity, and Forest Park Forever. Currently, Paul continues his community involvement with the Boys and Girls Club of Greater St. Louis and serves on the Cabinet of Life Trustees.
Paul's dedication to his clients and community, combined with his extensive experience and professional designations, make him a valuable asset to Morgan Stanley and the clients he serves.
Securities Agent: DC, WA, VA, IN, NC, MD, GA, CT, CA, NY, SC, MS, OK, MO, MI, NJ, FL, TX, OR, CO, WI, TN, OH, MA, KS, AZ, PA, IL, DE, NH; General Securities Representative; Investment Advisor Representative
About Maria Briggs
Maria is a Senior Vice President and dedicated Investment Consultant at Morgan Stanley for The Omega Group, driven by a passion for helping clients achieve their life goals and gain peace of mind about their future. She believes that wealth and well-being should go hand in hand, and her approach involves not only managing and building clients' wealth but also building trust and guiding them through major life milestones.
Maria's journey into the financial services field is enriched by her diverse life experiences and a robust career in banking and lending. Her transition to the brokerage and advisory side was a natural progression, allowing her to offer a comprehensive suite of services to clients. Her years of experience have equipped her with the ability to be a better guide, providing insights and solutions that are both creative and effective.
Maria's unique approach is centered around asking the right questions rather than just having the answers. She believes that each day presents opportunities to make a significant impact on clients' lives through informed investments and decisions. Her holistic approach addresses all aspects of financial well-being, including asset and liability management, tax, retirement and estate planning, and insurance needs.
Her commitment to a time-tested asset protection strategy, grounded in academic theory and modern portfolio analysis, sets her apart from her competitors. The Omega Group's clients appreciate her disciplined process, which not only drives returns but also minimizes risk and generates peace of mind. Known for her creative solutions and timely execution, Maria is often described as an investment consultant who asks the right questions to guide clients in making informed decisions.
Maria's service model is built on a pioneering team structure dedicated to providing comprehensive wealth management. Her favorite part of the business is helping clients and their families reach their goals and create a legacy for future generations. She finds fulfillment in her work and is honored by the trust clients place in her.
Outside of her professional life, Maria is deeply engaged in the St. Louis community. She serves on the Advisory Council of the St. Louis Symphony Orchestra and is a board member of St. Louis Public Radio. Her commitment extends to the Finance Committee for FOCUS St. Louis, the Women’s Committee for Forest Park Forever, and the International Women’s Forum. Maria was also part of the Leadership St. Louis Class of 2008-2009 and has mentored at the Olin Business School at Washington University.
Maria's professional journey began in 1985, with a career in financial services that spans 40 years. Her early experiences at Boatmen’s Bank and Citigroup Mortgage laid the foundation for her transition to Shearson Lehman Brothers, where she launched her career in brokerage and investment. She holds the CFP designation since 2005 and the CIMA designation from Wharton since 2007, and is a member of the Investments and Wealth Institute and the Financial Planning Association.
In addition to her professional achievements, Maria is classically trained as a pianist and has studied Romance languages, including French, Spanish, and Italian. She is also an avid cyclist and runner, having competed in 50 races by the age of 50. Her personal life is enriched by her family, including two children and three grandchildren, and her love for travel, having visited every continent, including Antarctica.
Maria's commitment to clients, community, and family reflects her belief in maintaining an active mind and body, and she continues to inspire those around her with her dedication and passion.
Maria's journey into the financial services field is enriched by her diverse life experiences and a robust career in banking and lending. Her transition to the brokerage and advisory side was a natural progression, allowing her to offer a comprehensive suite of services to clients. Her years of experience have equipped her with the ability to be a better guide, providing insights and solutions that are both creative and effective.
Maria's unique approach is centered around asking the right questions rather than just having the answers. She believes that each day presents opportunities to make a significant impact on clients' lives through informed investments and decisions. Her holistic approach addresses all aspects of financial well-being, including asset and liability management, tax, retirement and estate planning, and insurance needs.
Her commitment to a time-tested asset protection strategy, grounded in academic theory and modern portfolio analysis, sets her apart from her competitors. The Omega Group's clients appreciate her disciplined process, which not only drives returns but also minimizes risk and generates peace of mind. Known for her creative solutions and timely execution, Maria is often described as an investment consultant who asks the right questions to guide clients in making informed decisions.
Maria's service model is built on a pioneering team structure dedicated to providing comprehensive wealth management. Her favorite part of the business is helping clients and their families reach their goals and create a legacy for future generations. She finds fulfillment in her work and is honored by the trust clients place in her.
Outside of her professional life, Maria is deeply engaged in the St. Louis community. She serves on the Advisory Council of the St. Louis Symphony Orchestra and is a board member of St. Louis Public Radio. Her commitment extends to the Finance Committee for FOCUS St. Louis, the Women’s Committee for Forest Park Forever, and the International Women’s Forum. Maria was also part of the Leadership St. Louis Class of 2008-2009 and has mentored at the Olin Business School at Washington University.
Maria's professional journey began in 1985, with a career in financial services that spans 40 years. Her early experiences at Boatmen’s Bank and Citigroup Mortgage laid the foundation for her transition to Shearson Lehman Brothers, where she launched her career in brokerage and investment. She holds the CFP designation since 2005 and the CIMA designation from Wharton since 2007, and is a member of the Investments and Wealth Institute and the Financial Planning Association.
In addition to her professional achievements, Maria is classically trained as a pianist and has studied Romance languages, including French, Spanish, and Italian. She is also an avid cyclist and runner, having competed in 50 races by the age of 50. Her personal life is enriched by her family, including two children and three grandchildren, and her love for travel, having visited every continent, including Antarctica.
Maria's commitment to clients, community, and family reflects her belief in maintaining an active mind and body, and she continues to inspire those around her with her dedication and passion.
About Gena O'Laughlin
Gena is a seasoned professional in the securities industry, bringing over four decades of experience and expertise to her role at Morgan Stanley. Her career began in 1985 at EF Hutton, where she started as a new account clerk. This foundational role provided her with a comprehensive understanding of the securities business, setting the stage for her future success.
After her tenure at EF Hutton, Gena transitioned to an Investment Advisor firm, where she demonstrated her exceptional ability to work with substantial portfolios. She was responsible for overseeing 1,600 accounts with a combined value of $65 million, showcasing her adeptness in delivering outstanding client service.
In 2001, Gena joined Smith Barney, where she further honed her skills and expertise. Her career trajectory took a significant step forward in 2004 when she became a part of The Omega Group. This team-oriented approach allowed her to collaborate with like-minded professionals, enhancing the level of service.
In 2009, Gena and The Omega Group made a strategic move to UBS Financial Services, where they continued to excel for 16 years. During her time at UBS, Gena played a pivotal role in maintaining and growing client relationships, ensuring that clients received personalized and comprehensive financial advice tailored to their unique needs and goals.
In September 2025, Gena and The Omega Group joined Morgan Stanley, bringing their wealth of experience and client-focused approach to the firm. Gena holds several key licenses, including the Series 7, 6, and 63.
Gena is dedicated to assisting clients with all aspects of client service, ensuring that they receive the highest level of attention and care. Her commitment to excellence and her deep understanding of the financial markets make her an invaluable asset to her clients and colleagues alike.
Throughout her career, Gena has been recognized for her professionalism, integrity, and unwavering dedication to her clients' success. Her journey in the securities industry is a testament to her passion for helping clients achieve their financial goals and her ability to adapt and thrive in an ever-evolving financial landscape.
After her tenure at EF Hutton, Gena transitioned to an Investment Advisor firm, where she demonstrated her exceptional ability to work with substantial portfolios. She was responsible for overseeing 1,600 accounts with a combined value of $65 million, showcasing her adeptness in delivering outstanding client service.
In 2001, Gena joined Smith Barney, where she further honed her skills and expertise. Her career trajectory took a significant step forward in 2004 when she became a part of The Omega Group. This team-oriented approach allowed her to collaborate with like-minded professionals, enhancing the level of service.
In 2009, Gena and The Omega Group made a strategic move to UBS Financial Services, where they continued to excel for 16 years. During her time at UBS, Gena played a pivotal role in maintaining and growing client relationships, ensuring that clients received personalized and comprehensive financial advice tailored to their unique needs and goals.
In September 2025, Gena and The Omega Group joined Morgan Stanley, bringing their wealth of experience and client-focused approach to the firm. Gena holds several key licenses, including the Series 7, 6, and 63.
Gena is dedicated to assisting clients with all aspects of client service, ensuring that they receive the highest level of attention and care. Her commitment to excellence and her deep understanding of the financial markets make her an invaluable asset to her clients and colleagues alike.
Throughout her career, Gena has been recognized for her professionalism, integrity, and unwavering dedication to her clients' success. Her journey in the securities industry is a testament to her passion for helping clients achieve their financial goals and her ability to adapt and thrive in an ever-evolving financial landscape.
Contact Paul Miller
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact The Omega Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
