Mission

The Pathways Wealth Management Group at Morgan Stanley’s mission is to establish long-lasting client relationships that are built upon shared values. We are dedicated to high net worth individuals, their families and foundations. We seek to guide them on their journey to achieving their lifelong financial goals by providing custom counsel and exceptional service.

In order for us to provide our clients with personal counsel and service, we adhere to these principles:

•Valued advice is derived from understanding our clients’ personal goals.

• Our clients’ best interest is our top priority.

• The quality of service we provide reflects the dedication to our clients’ needs.

• A consistent, repeatable process is critical when seeking to achieve enhanced performance for our clients’ portfolio.

• Commitment to providing our clients with accurate performance reporting on a timely basis.

Morgan Stanley Smith Barney LLC. Member SIPC.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Working with You

With over 120 years of combined experience, The Pathways Wealth Management Group at Morgan Stanley serves wealthy families, businesses, foundations and endowments. We create and implement customized strategies designed to help enhance our clients’ net worth while at the same time helping to reduce the natural anxiety and confusion financial planning and investing can so often cause.

It is important that our clients are comfortable with our process; therefore, we are committed to frequent and valuable communication which sets clear expectations and gives clients confidence that their financial strategy is being executed as expected. It is through these candid conversations that we believe effective financial planning is achieved.

To better serve our clients, The Pathways Wealth Management Group is comprised of two Financial Advisors, a Portfolio Management Associate Director, a Consulting Group Analyst, a Registered Associate whose primary focus is digital engagement and a Group Administrator. A larger team affords us the resources necessary to review client accounts on a timely basis, to understand what is driving portfolio performance, and to determine if changes are necessary. It is one of the many ways that we are committed to our clients and to helping them achieve their financial goals.

Our team draws upon the confidence that comes from a repeatable, long-term process, which enables us to focus on the appropriate long-term path. Being approachable, tactical and experienced is what sets The Pathways Wealth Management Group at Morgan Stanley apart.

Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 5772161 12/2024
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    Retirement Planning
    Retirement planning is paramount in ensuring a successful retirement. We bring intense focus on this process. You have worked hard to get where you are. Now, it is up to us to help you live the retirement of your dreams.
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    Cash Management
    No two companies are alike. That’s why our customized portfolios are structured according to your organization’s unique needs and liquidity profile.

    We listen, develop and execute a tailor-made, integrated approach to cash flow management that focuses on preservation of your principal and liquidity, aligned with your company’s short-term goals and long-term vision. Careful selection of individual securities, coupled with diversification, can provide you with control over a portfolio’s maturity structure, credit quality and cash flow, as well as disciplined income generation. We can also facilitate a self-directed approach, offering access to investment solutions on a transactional basis.
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    Education Planning
    Planning for education is imperative to the success of you and your family. With our help, you can choose from a variety of investment options that fit your specific goals and timeline. We'll help you seamlessly integrate an education savings plan into your investment strategy, maximizing tax benefits and maintaining your long-term financial goals.
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    Estate Planning Strategies
    We look at all aspects of an individual’s estate to understand the potential estate planning attributes
    of the vehicles. The goal is for the client and his or her investment professionals to make more informed investment decisions, looking at their estate plan holistically.
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    Executive Financial Services
    We can cater to the unique scenarios of our high net worth clients, providing them with a suite of Morgan Stanley services as well as complex investment strategies.
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    Business Planning
    We can help you by sharing our experience in helping other business owners. We come to the table with innovative strategies to help you grow or sell your business.
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    Alternative Investments
    Where appropriate, Morgan Stanley provides individuals and institutions access to world-class alternative investment strategies spanning private equity, real assets, private credit, hedge funds and digital assets.

    Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.
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    2022 - 2024 Forbes Best-In-State Wealth Advisors
    2022-2024 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2022, 2023, 2024.) Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
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    2009 - 2025 Barron's Top 1,200 Financial Advisors: State by State
    2009-2025 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State) Source: Barrons.com (Awarded 2009-2025.) Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
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    2013 - 2015 Five Star Wealth Manager Award
    Source: fivestarprofessional.com (Awarded 2013-2015) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
    2013 Award - 10/16/2012 - 05/16/2013
    2014 Award - 10/16/2013 - 05/16/2014
    2015 Award - 10/16/2014 - 05/16/2015
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    2014 Financial Times 400 Top Financial Advisors
    Source: ft.com. Data compiled by the Financial Times based the following time periods:
    Awarded 2014; data 9/30/12 - 9/30/13
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    Chartered Financial Analyst - Donald W. Coon
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    Certified Investment Management Analyst - William W. Gouldin, Mary Q. Clark, Sara Babazadeh
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    Certified Financial Planner - Sara Babazadeh
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    Alternative Investments Director - William W. Gouldin
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    Financial Planning Specialist - William W. Gouldin
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    Family Wealth Director - William W. Gouldin
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    Senior Investment Management Consultant - William W. Gouldin
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    Senior Portfolio Management Director - William W. Gouldin

Investor Resources

Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
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    Morgan Stanley Online
    Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
    Click Here to Learn More
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    GIC Weekly Research Report
    The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
    Click here for the most recent "GIC Weekly" Report
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    Total Wealth View
    Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
    Click Here to Learn More
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    On The Markets Research Report
    Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
    Click here for the most recent “On the Markets” Report
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    Goals Based Planning
    Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
    Learn more about our Planning Tools
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    Morgan Stanley Ideas Podcast
    The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
    Check out the latest episode
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    Online Security Center
    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.
    Learn more about Online Security Center
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    Thoughts On The Market Podcast
    With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
    Check out the latest episode

Location

2800 Post Oak Blvd
18th Fl
Houston, TX 77056
US
Direct:
(713) 965-5087(713) 965-5087
Toll-Free:
(800) 231-0060(800) 231-0060

Meet The Pathways Wealth Management Group

About William W Gouldin

• Bill began his career as a Financial Consultant with Dean Witter in 1984 and joined a predecessor firm of Morgan Stanley in 1994. He focuses on serving the needs of ultra-high net worth individuals.
• Bill assists his clients in achieving their financial goals through a time-tested process of setting objectives, developing an asset allocation strategy, monitoring accounts, and implementing an ongoing client/consultant review process.
• He completed the distinguished Investment Analyst Program at the University of Pennsylvania’s Wharton School of Business, receiving the designation of Certified Investment Management Analyst (CIMA) in 2002.
• Member of Morgan Stanley’s prestigious Chairman’s Club, every year since 2009, an elite group composed of the firm’s top Financial Advisors.
• Bill is a member of the Investment Management Consultants Association (IMCA).
• Bill has a BBA in Finance from Texas A&M University. He has the Series 7, 63, 65, and 31 and is insurance licensed.

Asset Allocation does not assure a profit or protect against loss in declining financial markets.
CRC 5772137 12/2024
Securities Agent: CA, AR, DE, CO, WA, OR, NJ, NC, ME, MD, LA, WY, PA, NV, HI, AL, TX, VA, TN, IL, FL, AZ, GA, SC, RI, OK, MA, KY, CT, OH, KS, NY, MS, MI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279389
AR Insurance License #: https://www.linkedin.com/in/william-gouldin-1119791b6/

About Richmond Talbert

• Richmond served as a young adult pastor in Houston for 18 years and joined Morgan Stanley in 2019. He is excited to continue his mission of serving families by guiding their investment decisions and enabling them to help lead more fulfilled lives.
• Richmond believes in a holistic approach to wealth management, assessing not only your assets, but your personal goals, risk tolerance, ideals and history. He feels this comprehensive approach provides a clearer, more personal path towards your financial goals.
• Richmond holds a BBA in Finance from Texas A&M University. He has the Series 7 and 66.

CRC 3123090 07/2020
Securities Agent: GA, CO, PA, NJ, MD, KY, ME, CT, WY, WA, SC, MA, AZ, NC, LA, RI, IL, FL, AL, AR, OK, NV, DE, CA, VA, TX, OH, NY, HI, TN, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1981114

About Donna M. Kelly

Donna acts as concierge to our clients, enhancing their wealth management experience. She helps ensure compliance in regulatory and firm policies, and handles administrative issues.

Donna serves as a starting point within the team to ensure that clients are assisted by the appropriate team member. She is also the liaison between clients and our Operations and Compliance Departments, ensuring that any issues are resolved on a timely basis.

Donna began in the financial services industry in 1996 and has worked with Bill Gouldin, at Morgan Stanley, since 1998.

Donna graduated with a BA from the University of Texas at Austin and holds the Series 7, 63 and 65.

About Donald W. Coon

Donald performs investment management analysis, collaborates with the clients on their Investment Policy statements, monitors the performance of accounts, generates concise reports, evaluates all of our alternative investments and helps our clients understand philosophy and details of each investment within their portfolio.

Additionally, Donald spends countless hours researching macroeconomic conditions and conducting investment manager due diligence.

As our primary trader, in collaboration with Bill, Donald builds and maintains the portfolio models.

Donald’s active membership in the CFA Institute keeps him abreast of all current reporting methods and standards. He is also a member of the CFA Society of Houston and is a Chartered Financial Analyst.

Donald has been with Morgan Stanley since 2000. Prior to joining Morgan Stanley, Donald served as a Nuclear Reactor Operator in the US Navy.

Donald graduated with a BS in Statistics and a BBA in Accounting from the University of Houston. He holds the Series 7 and 66 and the Chartered Financial Analyst ® designation.


Securities Agent: AK AL AR AZ CA CO CT DC DE FL GA HI IA IL IN KS KY LA MA MD ME MI MO MS MT NC NJ NM NV NY OH OK OR PA RI SC TN TX UT VA VT WA WI WY; General Securities Representative; Investment Advisor Representative

About Meg Morrow

Meg serves as the team’s digital engagement professional, walking our clients through the Morgan Stanley online enrollment process. She assists clients throughout their online journey and takes the time to educate them regarding the wealth of benefits and services Morgan Stanley online offers.

Meg often coordinates meetings with clients and conducts Morgan Stanley online enrollment calls.

Meg began her career in the insurance industry in 2013, transitioning to Morgan Stanley in 2015.

Meg attended Indiana University and holds the Series 7, 66 and general insurance license.

About Sara Babazadeh

Sara Babazadeh is a Consulting Group Analyst at The Pathways Wealth Management Group at Morgan Stanley, based in Houston, Texas. With a strong academic and professional background, Sara excels in providing tailored financial strategies and comprehensive investment management services.

Sara holds a Master of Science in Finance from the University of St. Thomas, an MBA from Swiss UMEF University, and a Bachelor of Arts in English Literature from Azad University of Tehran. She is a Certified Financial Planner™ (CFP®) and a Certified Investment Management Analyst® (CIMA®), holding both Series 7 and Series 66 licenses.

In her role at Morgan Stanley, Sara leverages her Certified Financial Planner™ (CFP®) and Certified Investment Management Analyst® (CIMA®) knowledge to help develop sophisticated financial plans and investment strategies. She concentrates in advanced financial planning through LifeView plans, to help ensure the clients receive comprehensive and personalized financial advice. Her work involves in-depth financial analysis, portfolio reviews, and risk assessments, all aimed at aligning clients' portfolios with their long-term objectives.

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

About Frank Vatuna

Frank Vatuna is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Texas.

Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.

Frank began his career in financial services in 1988, and joined Morgan Stanley in 2019 as an Associate Private Banker. Prior to joining the firm, he was a Wealth Management Banker at Merrill Lynch. He also served as a Lending Officer at Bank of America.

Frank is a graduate of the University of Houston, where he received a Bachelor of Business Administration in Finance. He lives in Magnolia, TX with his family. Outside of the office, Frank enjoys traveling and spending time with family and friends. He also volunteers for March of Dimes and Houston Food Bank.
NMLS#: 620249
Wealth Management
From Our Team

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  • Estate Planning Strategies
  • 529 Plans / Education Savings Planning
  • Long Term Care Insurance
  • Special Needs Planning
  • Trust Services
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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
4 Financially Smart Ways to Take Money Out of Retirement Accounts
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4 Financially Smart Ways to Take Money Out of Retirement Accounts

Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.

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
Donor Advised Funds: A Smart Way to Manage Your Giving 
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Donor Advised Funds: A Smart Way to Manage Your Giving 

There’s more to charitable giving than you may realize. Here’s one method that may be a tax-efficient way to give and can help maximize your impact.
Ready to start a conversation? Contact The Pathways Wealth Management Group today.
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1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.

For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.

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2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

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3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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4Morgan 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.

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5Morgan 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.

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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.

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7Investors 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.

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8Morgan 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.

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9Morgan 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.

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10Morgan 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.

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11Morgan 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.

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12Morgan 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.

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13Structured 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.

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14Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.

Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

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15Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

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16Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

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17Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.

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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)