Isaac Simon
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director, Lending Specialist
Phone:
(212) 903-7760(212) 903-7760
The Simon-Marra-Parks Group at Morgan Stanley
Direct:
(212) 903-7760(212) 903-7760
Our Mission Statement
Our goal is for you and future generations to enjoy the wealth you have worked so hard to achieve.
Welcome
At the Simon Marra Parks Group, we are a dedicated team of experienced advisors whose goal is for you and future generations to enjoy your wealth without worry.
We understand the challenges you face and the level of sophistication and service you expect.
We believe wealth is about more than investments and how you manage your money. It’s about your life and the people and pursuits that give your life purpose. Our comprehensive and consultative approach focuses on your full financial picture – from putting your children through college and preparing for retirement to caring for aging parents and leaving a lasting legacy.
Comfort comes from having structure, a comprehensive plan and a relationship with a financial professional who cares. Let us provide guidance for all aspects of your financial life and know that someone knowledgeable and responsible is always looking out for your best interest and concerns.
We understand the challenges you face and the level of sophistication and service you expect.
We believe wealth is about more than investments and how you manage your money. It’s about your life and the people and pursuits that give your life purpose. Our comprehensive and consultative approach focuses on your full financial picture – from putting your children through college and preparing for retirement to caring for aging parents and leaving a lasting legacy.
Comfort comes from having structure, a comprehensive plan and a relationship with a financial professional who cares. Let us provide guidance for all aspects of your financial life and know that someone knowledgeable and responsible is always looking out for your best interest and concerns.
Services Include
- Asset Management
- Wealth Consulting
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Business PlanningFootnote3
- Business Succession PlanningFootnote4
- Estate Planning StrategiesFootnote5
- 401(k) Rollovers
- Corporate Retirement PlansFootnote6
- Qualified Retirement PlansFootnote7
- 529 PlansFootnote8
- Life InsuranceFootnote9
- Long Term Care InsuranceFootnote10
- Trust ServicesFootnote11
- Structured ProductsFootnote12
- Sustainable InvestingFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
As Financial Advisors with Morgan Stanley, our relationship with our clients is central to all we do. We take the time to get to know them, working closely to help identify and prioritize their financial needs and goals that matter most. Then based on our discussions, we help develop a personalized financial plan that serves as a roadmap for the future.
Today, it’s natural to have questions about your retirement, even if you’ve saved and planned for it. We are committed to providing premier service and focus on helping clients successfully navigate the inevitable complexities that come with wealth
Our most important goal: to help you achieve your objectives, providing guidance that helps your wealth do more for you.
OUR CLIENTS:
Everything we do is focused on our valued clients. Our practice is built on the development of deep and enduring relationships and the delivery of comprehensive wealth management services. Our clients include:
• Individuals and Families
• Family Offices
• Corporate Executives
• Business Owners
• Non-Profits
Today, it’s natural to have questions about your retirement, even if you’ve saved and planned for it. We are committed to providing premier service and focus on helping clients successfully navigate the inevitable complexities that come with wealth
Our most important goal: to help you achieve your objectives, providing guidance that helps your wealth do more for you.
OUR CLIENTS:
Everything we do is focused on our valued clients. Our practice is built on the development of deep and enduring relationships and the delivery of comprehensive wealth management services. Our clients include:
• Individuals and Families
• Family Offices
• Corporate Executives
• Business Owners
• Non-Profits
Awards & Recognitions
Forbes Best-In-State Wealth Management Teams
2025
Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24
2024
Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2024) Data compiled by SHOOK Research LLC for the period 3/31/22-3/31/23
Source: Forbes (Awarded Jan 2024) Data compiled by SHOOK Research LLC for the period 3/31/22-3/31/23
Community Involvement & Awards
New York Financial Advisor Earns National Recognition for Philanthropy:
Watch this video https://www.investinothers.org/bio-isaac-simon/
Isaac Simon is a national finalist for the Volunteer of the Year Award as part of the 15th Annual Invest in Others Awards. Isaac is being honored for his work with the Coalition for the Homeless, which will receive a $20,000 donation from the Invest in Others Charitable Foundation. Awards will be presented at the 15th Annual Invest in Others Awards Gala on September 22, 2021 in Boston.
The Invest in Others Awards program recognizes the charitable work of financial advisors in communities across the country and around the world. Advisors are nominated for actively giving back to nonprofits to improve their communities and make a difference in the lives of others. Finalists are selected based on their leadership, dedication, contribution, inspiration, and impact on a nonprofit and the community it serves.
The Coalition for the Homeless is the nation’s oldest advocacy and direct service organization helping homeless men, women and children. The organization believes that affordable housing, sufficient food and the chance to work for a living wage are fundamental rights in a civilized society. Since its founding in 1991, the Coalition has worked through litigation, public education and direct services to ensure that these goals are realized.
https://www.coalitionforthehomeless.org/about-cfh/
As a born and bred New Yorker, Simon was inspired by the events of September 11, 2001 to give back to the city he calls home and began volunteering with the Coalition for the Homeless. Every Tuesday night, Simon drives a white cargo van with hot meals and donated clothes through Manhattan and the Bronx, feeding upwards of 250 people a night. He has done so every week for the past 15 years. On those Tuesday routes, he encounters many familiar faces and is always reminded how appreciative and caring New Yorkers can be. As the team leader for his route, Simon oversees meal distribution, coordinates volunteers, and collects and distributes donated clothes and other necessities. Simon also serves as an ambassador for the Coalition, securing financial and in-kind donations from colleagues, financial institutions, and local businesses.
Read the article:
https://www.wealthmanagement.com/industry/isaac-simon-driving-force
http://www.usatoday.com/story/news/nation/2013/12/23/manhattan-homeless-wealth-new-york-city-christmas/4129819/
Morgan Stanley Community Leadership Award 2017:
$10,000 to the Coalition for the Homeless
DOROT:
A nonprofit organization whose goal is to alleviate social isolation and provide concrete services to older adults. For more than four decades, DOROT has been an innovative leader in the fields of aging services and volunteerism. DOROT’s diverse set of programs, as well as our focus on providing intergenerational connections to seniors, has ensured that DOROT’s clients have access to the resources they need to age with dignity, independence, and grace.
http://www.dorotusa.org/site/PageServer?pagename=homepage_DOROT
Advisors with Heart award:
Selects men and women in the industry whose commitment to charitable causes goes beyond simply writing a check to a worthy organization. Each year the magazine selects nominees with a passion for something larger than themselves. They're people who roll up their sleeves and spend many hours in projects that benefit the world around them.
https://www.wealthmanagement.com/industry/advisors-heart
Teach Your Children Well:
http://www.dorotusa.org/site/PageServer?pagename=vol_profile_isaac_sandra_D
Watch this video https://www.investinothers.org/bio-isaac-simon/
Isaac Simon is a national finalist for the Volunteer of the Year Award as part of the 15th Annual Invest in Others Awards. Isaac is being honored for his work with the Coalition for the Homeless, which will receive a $20,000 donation from the Invest in Others Charitable Foundation. Awards will be presented at the 15th Annual Invest in Others Awards Gala on September 22, 2021 in Boston.
The Invest in Others Awards program recognizes the charitable work of financial advisors in communities across the country and around the world. Advisors are nominated for actively giving back to nonprofits to improve their communities and make a difference in the lives of others. Finalists are selected based on their leadership, dedication, contribution, inspiration, and impact on a nonprofit and the community it serves.
The Coalition for the Homeless is the nation’s oldest advocacy and direct service organization helping homeless men, women and children. The organization believes that affordable housing, sufficient food and the chance to work for a living wage are fundamental rights in a civilized society. Since its founding in 1991, the Coalition has worked through litigation, public education and direct services to ensure that these goals are realized.
https://www.coalitionforthehomeless.org/about-cfh/
As a born and bred New Yorker, Simon was inspired by the events of September 11, 2001 to give back to the city he calls home and began volunteering with the Coalition for the Homeless. Every Tuesday night, Simon drives a white cargo van with hot meals and donated clothes through Manhattan and the Bronx, feeding upwards of 250 people a night. He has done so every week for the past 15 years. On those Tuesday routes, he encounters many familiar faces and is always reminded how appreciative and caring New Yorkers can be. As the team leader for his route, Simon oversees meal distribution, coordinates volunteers, and collects and distributes donated clothes and other necessities. Simon also serves as an ambassador for the Coalition, securing financial and in-kind donations from colleagues, financial institutions, and local businesses.
Read the article:
https://www.wealthmanagement.com/industry/isaac-simon-driving-force
http://www.usatoday.com/story/news/nation/2013/12/23/manhattan-homeless-wealth-new-york-city-christmas/4129819/
Morgan Stanley Community Leadership Award 2017:
$10,000 to the Coalition for the Homeless
DOROT:
A nonprofit organization whose goal is to alleviate social isolation and provide concrete services to older adults. For more than four decades, DOROT has been an innovative leader in the fields of aging services and volunteerism. DOROT’s diverse set of programs, as well as our focus on providing intergenerational connections to seniors, has ensured that DOROT’s clients have access to the resources they need to age with dignity, independence, and grace.
http://www.dorotusa.org/site/PageServer?pagename=homepage_DOROT
Advisors with Heart award:
Selects men and women in the industry whose commitment to charitable causes goes beyond simply writing a check to a worthy organization. Each year the magazine selects nominees with a passion for something larger than themselves. They're people who roll up their sleeves and spend many hours in projects that benefit the world around them.
https://www.wealthmanagement.com/industry/advisors-heart
Teach Your Children Well:
http://www.dorotusa.org/site/PageServer?pagename=vol_profile_isaac_sandra_D
Financial Planning / Retirement Planning
Financial Planning / Retirement Planning
Compiling a full financial picture — that takes both your life goals and your life stage into consideration — is the starting point to a meaningful retirement analysis.
The first step in creating a personalized financial strategy is to develop a thorough understanding of your financial goals and the resources available to fund them. This document will help define and prioritize these goals and identify your resources. In addition, please gather statements for any accounts not held at Morgan Stanley, which will be helpful when discussing resources to fund your financial goals.
Click --> WORKSHEET: Financial Planning / Retirement PlanningThe first step in creating a personalized financial strategy is to develop a thorough understanding of your financial goals and the resources available to fund them. This document will help define and prioritize these goals and identify your resources. In addition, please gather statements for any accounts not held at Morgan Stanley, which will be helpful when discussing resources to fund your financial goals.
Location
55 East 52nd Street 10th
29th Fl
New York, NY 10055
US
Direct:
(212) 903-7760(212) 903-7760
Meet The Simon-Marra-Parks Group
Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Chartered Retirement Plans Specialist, Senior Portfolio Manager
Phone:
(212) 649-8610(212) 649-8610
Phone:
(212) 903-7745(212) 903-7745
Joshua Friedman, CFP®
Vice President, Director of Business Strategy
Phone:
(212) 903-7767(212) 903-7767
Carmen Ortiz
Senior Client Service Associate
Phone:
(212) 903-7775(212) 903-7775
About Isaac Simon
Isaac began his career in 1996 at J.B Oxford, a brokerage financial services firm. He then left to go to UBS in 2001. Eventually he would join a four person advisory team here at Morgan Stanley in 2014. With more than 22 years of industry experience, Isaac applies his investment acumen to portfolio construction and comprehensive wealth planning. Isaac sees his experience as both an educator and coach valuable to his clients in helping them learn the importance of planning and investing in their future security. Isaac seeks to understand his client’s values, goals and circumstances and helps them maintain the financial independence they’ve worked their whole lives to achieve.
Isaac is heavily involved in charitable causes and won the 32nd annual Advisor With Heart award in 2012 while at UBS, where Registered Rep. selects men and women in the industry whose commitment to charitable causes goes above and beyond. Isaac drives a van every Tuesday night that provides meals and clothes for the homeless in New York City and has been doing this since 2001.
Isaac grew up in upstate New York. He graduated in 1995 from the State College at Buffalo where he received a B.A in Business Administration. In his spare time he enjoys coaching his kids soccer team, going to boot camp and skiing. He currently resides in Manhattan with his wife Sondra and two children, Ryan and Ava.
Isaac is heavily involved in charitable causes and won the 32nd annual Advisor With Heart award in 2012 while at UBS, where Registered Rep. selects men and women in the industry whose commitment to charitable causes goes above and beyond. Isaac drives a van every Tuesday night that provides meals and clothes for the homeless in New York City and has been doing this since 2001.
Isaac grew up in upstate New York. He graduated in 1995 from the State College at Buffalo where he received a B.A in Business Administration. In his spare time he enjoys coaching his kids soccer team, going to boot camp and skiing. He currently resides in Manhattan with his wife Sondra and two children, Ryan and Ava.
Securities Agent: CA, WI, MA, KY, HI, DC, VA, LA, WA, TN, SC, NV, NH, VT, OK, MD, IL, GA, AZ, NY, NM, PA, TX, OR, NJ, ME, DE, AL, PR, OH, NC, MI, FL, CT, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1406590
NMLS#: 1406590
About Michael Marra
I began my financial service career 13 years ago as a client service associate with Ameriprise Financial. I moved to Morgan Stanley as a Wealth Advisory Associate in 2012, where I developed comprehensive financial plans and strategies for clients. I moved into the Financial Advisor role in 2014 where I work closely with my clients to help identify and prioritize their financial needs and goals that matter most. Comfort comes from having structure, a comprehensive plan and a relationship with a financial professional who cares. Let me provide guidance for all aspects of your financial life and know that someone knowledgeable and responsible is always looking out for your best interest and concerns.
Michael attended Providence College and graduated with a B.S in Finance. He currently holds his series 7, 66 and Life and Health Licenses. He also attained the Chartered Retired Plan Specialist title through the College of Financial Planning in 2013. He is also a Certified Financial Planner, CFP®.
Michael currently resides in Long Island. In his spare time he enjoys golfing, skiing and traveling.
Michael attended Providence College and graduated with a B.S in Finance. He currently holds his series 7, 66 and Life and Health Licenses. He also attained the Chartered Retired Plan Specialist title through the College of Financial Planning in 2013. He is also a Certified Financial Planner, CFP®.
Michael currently resides in Long Island. In his spare time he enjoys golfing, skiing and traveling.
Securities Agent: WI, NH, OK, TX, NM, WA, OR, HI, MD, KY, DE, CT, PR, NC, PA, MA, GA, DC, CO, VA, OH, MI, ME, CA, AZ, AL, VT, SC, NY, NJ, NV, IL, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1310719
NMLS#: 1310719
About Gwen Parks
Gwen is committed to helping clients throughout the country grow and preserve their wealth by delivering highly customized advice in an effort to achieve their financial goals. As a Financial Advisor and the team’s Financial Planning Specialist, she uses a comprehensive wealth management planning process to understand each client’s individual values and objectives. Gwen has experience working with woman and families going through transitions in their lives that require education, guidance, and alteration to their financial plan. She finds it rewarding to be able to grow with her clients through their lifelong milestones.
BACKGROUND AND EXPERIENCE
Gwen joined Morgan Stanley in 2017 in western New York as a Digital Advisor to help the firm’s Financial Advisors with growth strategies utilizing digital resources. She later became a Wealth Advisor Associate working with Advisors and their clients on financial planning. Gwen moved to New York City in 2019, where she joined her current team as a Financial Advisor. Previously, she worked for a global medical imaging company, where she held various positions in corporate finance and supply chain management. Her diverse background has broadened her perspective and enhanced her problem-solving skills, both of which are assets in the work she focuses on today. Gwen holds multiple licenses, including the Series 7, 66, and Life, Accident, and Health Insurance. She graduated from Syracuse University with a B.S. in finance and supply chain management.
GETTING TO KNOW GWEN A native of Rochester, Gwen currently resides in New York City (Forest Hills) with her husband, Steve, and son, Stanley. She enjoys exploring New York City, traveling, cooking, and spending time with family and friends.
BACKGROUND AND EXPERIENCE
Gwen joined Morgan Stanley in 2017 in western New York as a Digital Advisor to help the firm’s Financial Advisors with growth strategies utilizing digital resources. She later became a Wealth Advisor Associate working with Advisors and their clients on financial planning. Gwen moved to New York City in 2019, where she joined her current team as a Financial Advisor. Previously, she worked for a global medical imaging company, where she held various positions in corporate finance and supply chain management. Her diverse background has broadened her perspective and enhanced her problem-solving skills, both of which are assets in the work she focuses on today. Gwen holds multiple licenses, including the Series 7, 66, and Life, Accident, and Health Insurance. She graduated from Syracuse University with a B.S. in finance and supply chain management.
GETTING TO KNOW GWEN A native of Rochester, Gwen currently resides in New York City (Forest Hills) with her husband, Steve, and son, Stanley. She enjoys exploring New York City, traveling, cooking, and spending time with family and friends.
Securities Agent: GA, WI, AZ, VT, OR, CT, NY, FL, DE, PR, CO, OK, PA, NV, CA, AL, TX, NM, NJ, NC, IL, WA, VA, NH, MI, DC, SC, MA, OH, ME, MD, LA, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 1918446
NMLS#: 1918446
About Joshua Friedman, CFP®
AREAS OF FOCUS
Josh is the team’s Director of Business Strategy, focusing on operations and administration. He is responsible for client trading, portfolio reporting, investment research, and assistance with cash management and lending services.
BACKGROUND AND EXPERIENCE Josh began his career at Morgan Stanley in 2010 and has held a variety of roles at the firm, including providing order entry support and working on the financial planning desk. By collaborating with thousands of the firm’s advisors through these positions, he gained valuable insight about Morgan Stanley resources that he uses today as he works with clients. Josh joined the team as a Client Service Associate in 2014, and he has earned the Series 7, 66, and Life and Health Insurance licenses, as well as the CERTIFIED FINANCIAL PLANNER®* designation. He graduated from Rutgers University with a B.A. in economics.
GETTING TO KNOW JOSH Josh grew up in Marlboro, New Jersey, and currently lives in Long Island City. He is an avid sports fan and plays in several flag football and basketball leagues. In addition, he enjoys cooking, volunteering, and golfing in his free time.
Josh is the team’s Director of Business Strategy, focusing on operations and administration. He is responsible for client trading, portfolio reporting, investment research, and assistance with cash management and lending services.
BACKGROUND AND EXPERIENCE Josh began his career at Morgan Stanley in 2010 and has held a variety of roles at the firm, including providing order entry support and working on the financial planning desk. By collaborating with thousands of the firm’s advisors through these positions, he gained valuable insight about Morgan Stanley resources that he uses today as he works with clients. Josh joined the team as a Client Service Associate in 2014, and he has earned the Series 7, 66, and Life and Health Insurance licenses, as well as the CERTIFIED FINANCIAL PLANNER®* designation. He graduated from Rutgers University with a B.A. in economics.
GETTING TO KNOW JOSH Josh grew up in Marlboro, New Jersey, and currently lives in Long Island City. He is an avid sports fan and plays in several flag football and basketball leagues. In addition, he enjoys cooking, volunteering, and golfing in his free time.
About Carmen Ortiz
AREAS OF FOCUS
Carmen assists clients with all aspects of account service, including wire transfers, administrative changes, and Morgan Stanley Online. She enjoys building relationships by helping clients address a wide range of account-related needs, and her goal is to exceed their service expectations, both initially and continually over the long term.
BACKGROUND AND EXPERIENCE Carmen has spent most of her career at Morgan Stanley and joined the firm in 1999. Prior to Morgan Stanley, she worked in the banking industry for 10 years. As a result of her tenure, she is highly knowledgeable about firm resources and processes, which helps her serve clients efficiently and accurately.
GETTING TO KNOW CARMEN Born and raised in New York, Carmen lives in Queens with her husband, Jorge. Outside the office, she loves to crochet and has put these skills to work for Morgan Stanley’s Loops of Love charity. Carmen also enjoys spending time with her nieces and nephews, reading, going for walks, and spending afternoons in her back yard gardening.
Carmen assists clients with all aspects of account service, including wire transfers, administrative changes, and Morgan Stanley Online. She enjoys building relationships by helping clients address a wide range of account-related needs, and her goal is to exceed their service expectations, both initially and continually over the long term.
BACKGROUND AND EXPERIENCE Carmen has spent most of her career at Morgan Stanley and joined the firm in 1999. Prior to Morgan Stanley, she worked in the banking industry for 10 years. As a result of her tenure, she is highly knowledgeable about firm resources and processes, which helps her serve clients efficiently and accurately.
GETTING TO KNOW CARMEN Born and raised in New York, Carmen lives in Queens with her husband, Jorge. Outside the office, she loves to crochet and has put these skills to work for Morgan Stanley’s Loops of Love charity. Carmen also enjoys spending time with her nieces and nephews, reading, going for walks, and spending afternoons in her back yard gardening.
Contact Isaac Simon
Contact Michael Marra
Contact Gwen Parks
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
Tony Silva
Private Banker
About Tony Silva
Tony Silva is a Private Banker serving Morgan Stanley’s Wealth Management offices in New York City.
Tony began his career in financial services in 1995 and joined Morgan Stanley in 2015 as a Pipeline Manager in our Home Loans organization. In 2017, he was promoted to Project Manager on that team. Tony assumed his current position in February, 2018. Prior to his tenure at the firm, Tony held a number of roles at mortgage financing institutions.
Tony received a Bachelor of Science in Management from Rutgers University. He and his family reside in Livingston, New Jersey.
When not at the office, Tony enjoys traveling, playing soccer, and spending time with family and friends.
Tony began his career in financial services in 1995 and joined Morgan Stanley in 2015 as a Pipeline Manager in our Home Loans organization. In 2017, he was promoted to Project Manager on that team. Tony assumed his current position in February, 2018. Prior to his tenure at the firm, Tony held a number of roles at mortgage financing institutions.
Tony received a Bachelor of Science in Management from Rutgers University. He and his family reside in Livingston, New Jersey.
When not at the office, Tony enjoys traveling, playing soccer, and spending time with family and friends.
NMLS#: 217945
Wealth Management
Global Investment Office
Portfolio Insights
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
To Manage Risks, You Have to See Them First
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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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
Will AI Plan Your Next Vacation?
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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
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Simon-Marra-Parks Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
3Morgan 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.
4Morgan 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6When 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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
12Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
13The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley 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.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
3Morgan 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.
4Morgan 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6When 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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
12Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
13The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)