Douglas W Ulrich, CFP®
Senior Vice President, Financial Advisor, Senior Portfolio Management Director, Workplace Advisor - Equity Compensation
Phone:
(301) 556-2363(301) 556-2363
The Perspective Group at Morgan Stanley
Direct:
(301) 556-2360(301) 556-2360
Toll-Free:
(800) 624-0673(800) 624-0673
Our Mission Statement
We strive to inspire our clients with best-in-class technology, products and service that may help enrich their lives and the lives of those around them.
The Perspective Group
Take a second to imagine the best version of your life. Perhaps you’re seeing your perfect house or a rewarding second career. Or maybe you’re picturing how your time with loved ones might look on a daily basis.
When you’re envisioning your ideal life, what you’re really doing is clarifying your purpose—that is, what sparks you to get up each morning.
At the Perspective Group, our team of seasoned CERTIFIED FINANCIAL PLANNERS™ and Executive Financial Services Directors work with purpose-driven individuals to design a plan for achieving their life’s goals. For more than 20 years, we have helped successful individuals and families organize, grow, and preserve wealth, so they can focus on what’s most important in their lives. We also have extensive experience helping Corporate Executives manage their concentrated stock and stock plans so that you can focus on your career.
Our philosophy is that great results can come from an outstanding process with world-class technology, products, and service—and this is what we pledge to provide you every day. If you are looking for a trusted financial advisor in the D.C, Maryland, or Virginia area, The Perspective Group would love to help you achieve your goals.
When you’re envisioning your ideal life, what you’re really doing is clarifying your purpose—that is, what sparks you to get up each morning.
At the Perspective Group, our team of seasoned CERTIFIED FINANCIAL PLANNERS™ and Executive Financial Services Directors work with purpose-driven individuals to design a plan for achieving their life’s goals. For more than 20 years, we have helped successful individuals and families organize, grow, and preserve wealth, so they can focus on what’s most important in their lives. We also have extensive experience helping Corporate Executives manage their concentrated stock and stock plans so that you can focus on your career.
Our philosophy is that great results can come from an outstanding process with world-class technology, products, and service—and this is what we pledge to provide you every day. If you are looking for a trusted financial advisor in the D.C, Maryland, or Virginia area, The Perspective Group would love to help you achieve your goals.
Our Clients
- Corporate Executives
- Business Owners & Entrepreneurs
- Government-Pension Plan Participants
- Educators
- Multigenerational Families
Services Include
- Professional Portfolio ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Executive Benefit ServicesFootnote4
- Stock Plan ServicesFootnote5
- Stock Option PlansFootnote6
- Business PlanningFootnote7
- Business Succession PlanningFootnote8
- Planning for Education FundingFootnote9
- Estate Planning StrategiesFootnote10
- Philanthropic ManagementFootnote11
- Trust ServicesFootnote12
- Qualified Retirement PlansFootnote13
- 401(k) Rollovers
- Cash Management and Lending ProductsFootnote14
- Alternative InvestmentsFootnote15
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Executive Financial Services
Morgan Stanley Executive Financial Services (EFS) is a specialized, dedicated team of professionals focused on the needs of corporate executives and holders of concentrated stock positions. EFS leverages Morgan Stanley's experience, knowledge, specialized skills and global resources to provide you with wealth management services tailored to your specific needs. The Perspective Group’s team of Executive Financial Services Directors is experienced in helping our clients make sense of their executive compensation plans.
The team also has experience with tax managed diversification, gifting or donating to charity, donor advised funds, as well as generational trusts and legacy planning. We also have extensive knowledge of helping our clients invest in qualified opportunity zones, exchange funds, providing access to credit lines, and advising around net unrealized appreciation in your retirement plans.
In addition, John Kelly is the Designated Equity Plan Specialist on the Perspective Group team. Click the link below to learn more about how this adds value for you:
The team also has experience with tax managed diversification, gifting or donating to charity, donor advised funds, as well as generational trusts and legacy planning. We also have extensive knowledge of helping our clients invest in qualified opportunity zones, exchange funds, providing access to credit lines, and advising around net unrealized appreciation in your retirement plans.
In addition, John Kelly is the Designated Equity Plan Specialist on the Perspective Group team. Click the link below to learn more about how this adds value for you:
Concentrated Stock Strategies and Stock Plan Expertise
- Employee Stock Option Plans (ESOP)
- Employee Stock Purchase Plans (ESPP)
- Deferred Compensation Plans
- Company Stock Options
- Company Stock Grants
- Long Term Incentive Plans (LTI)
- Restricted Stock
- Performance Stock
- Restricted Stock Units (RSU)
- Performance Stock Units (PSU)
- Restricted Stock Awards (RSA)
- Performance Stock Awards (PSA)
- Incentive Stock Options (ISO)
- Non Qualified Stock Options (NQSO)
- Stock Appreciation Rights (SAR)
- Phantom Stock
- 10b5-1 Plans
The Perspective Group Checklists & Case Studies
As CERTIFIED FINANCIAL PLANNERS™, The Perspective Group—who have more than 80 years of combined financial experience—partner with clients to align their wealth management, tax planning, and estate planning strategies.
Business Owners and Entrepreneurs Case Study
Doug Ulrich, a Senior Vice President at Morgan Stanley, focuses on helping successful business owners and entrepreneurs though the many stages of their business and succession planning.
Here, Doug describes a real-life client situation and unique challenges he helped resolve for that client.
Learn moreHere, Doug describes a real-life client situation and unique challenges he helped resolve for that client.
Pension Plans Case Study
Rick Vert, a CERTIFIED FINANCIAL PLANNER™ at Morgan Stanley, focuses on helping individuals approaching retirement to select the appropriate pension option for their needs and to maximize their income in retirement.
Here, Rick describes some typical client situations and unique challenges he helped resolve for them.
Learn moreHere, Rick describes some typical client situations and unique challenges he helped resolve for them.
Early Accumulator Financial Checklist
Life is about change. As you progress through different stages of your personal and professional life, you will face a succession of financial opportunities and challenges. Use this checklist to stay on track.
Learn more
Midlife Financial Preparedness Checklist
Here is an approach to thinking about – and planning for – your future and family during every chapter of your
personal and professional journey. Use this checklist to stay on track.
Learn morepersonal and professional journey. Use this checklist to stay on track.
Financial Uncertainty Preparedness Checklist
The checklist is organized into 11 categories centered on helping you preserve your wealth against future market disruptions.
Learn more
Pre-Retirement Checklist
Getting ready for retirement can be exciting, scary, and stressful. We put together a Pre-Retirement Checklist for you to review so that you can be better prepared for your future retirement.
Learn more
Pre-Marital Checklist
Marrying the person you love is a beautiful thing. However, sometimes this can cause stress as you merge finances. Check out our Pre-Marital Checklist to help make this go smoother so you can focus on being happy with the one you love.
Learn more
Pre-Divorce Checklist
Going through a divorce can be difficult. Review our Pre-Divorce Checklist that outlines some steps to help prepare for the financial situations that arise from a divorce.
Learn more
Death of A Loved One Checklist
Dealing with the death of a loved one can be difficult. Review our Death of a Loved One Checklist that outlines some steps to help deal with this difficult situation.
Learn moreModern Wealth Management Tools
In a world where technological advancements are are driving rapid and continuous change, adaptability has become an integral part of our lives. Our suite of Modern Wealth Management Tools is designed to guide clients through transitions seamlessly, ensuring continuity while harnessing the benefits of innovation progress. Below, you'll find a curated selection of videos and resources to help you navigate our online solutions with ease.
Services Offered To You
Morgan Stanley Online
With Morgan Stanley Online, enjoy the freedom to manage your wealth on your own devices while collaborating with your Morgan Stanley team. It's accessibility at its finest.
What We Do For You
Total Wealth View
Complete your financial picture with Total Wealth View. Identify opportunities and risks across your entire portfolio. View your incoming and outgoing cash, gain insights on your spending habits and create custom budgets no matter where your money is held.
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Goals Planning System
As a Morgan Stanley client with a Goals Planning System (GPS) retirement plan, you can now access and view your plan's status and progress on Morgan Stanley Online (MSO) and Morgan Stanley Mobile (MSM).
Digital Vault
Digital Vault lets you easily manage and share your important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings.
Cybersecurity
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.
CashPlus Brokerage Account: A Modern Alternative to Banking
Designed as a modern alternative to banking, providing more value, more protection, and a seamless digital experience. You can benefit from unlimited ATM fee rebates worldwide, complimentary Identity and Credit Protection from Experian®, plus more.
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
MS Reserved
As a Reserved Living & Giving member, you will have access to popular partner offers and discounts, as well as thought leadership content on a variety of lifestyle and personal finance topics.
MS Platinum Amex Card
At Morgan Stanley, we recognize that clients and their families have unique needs that require dedicated expertise and capabilities. Our cash management and lending solutions are designed to meet these unique needs.
What To Do Next
Feel free to reach out to one of us directly. We are happy to have a discussion and get you started on your journey to a better financial future.
John Kelly CFP®
Phone: 301-556-2350
Email: John.P.Kelly@morganstanley.com
Email: John.P.Kelly@morganstanley.com
Doug Ulrich CFP®
Phone: 301-556-2363
Email: Douglas.W.Ulrich@morganstanley.com
Email: Douglas.W.Ulrich@morganstanley.com
Rick Vert CFP®
Phone: 301-556-2362
Email: Richard.F1.Vert@morganstanley.com
Email: Richard.F1.Vert@morganstanley.com
Carl Vail, CFP®
Phone: 301-556-2355
Email: Carl.W.Vail@morganstanley.com
Email: Carl.W.Vail@morganstanley.com
Jared Vance, QPFC
Phone: 301-556-2336
Email: Jared.Vance@morganstanley.com
Email: Jared.Vance@morganstanley.com
Location
702 King Farm Blvd
Suite 500
Rockville, MD 20850
US
Direct:
(301) 556-2360(301) 556-2360
Toll-Free:
(800) 624-0673(800) 624-0673
Meet The Perspective Group
Richard F Vert Jr., CFP®
Executive Director, Financial Advisor, Senior Portfolio Management Director, Workplace Advisor - Equity Compensation
Phone:
(301) 556-2362(301) 556-2362
John Kelly, CFP®
Senior Vice President, Financial Advisor, Executive Financial Services Director, Workplace Advisor – Equity Compensation, Alternative Investments Director, Portfolio Management Director
Phone:
(301) 556-2350(301) 556-2350
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(301) 556-2355(301) 556-2355
Financial Advisor, Workplace Advisor - Equity Compensation, Financial Planning Specialist
Phone:
(301) 556-2336(301) 556-2336
Jessi Brady
Financial Planning Specialist, Vice President, Business Development Associate
Phone:
(301) 556-2368(301) 556-2368
Michelle Stitely
Financial Planning Specialist, Portfolio Associate
Phone:
(301) 556-2382(301) 556-2382
Makayla Greene
Registered Client Service Associate
Phone:
(301) 556-2332(301) 556-2332
Alex Vert, CFP®
Wealth Management Analyst
Phone:
(301) 556-2329(301) 556-2329
About Douglas W Ulrich
Doug joined the firm in 1999 and is a founding partner of the Perspective Group. He provides clients with a personalized pathway from “career mode” to a dependable retirement “paycheck.”
As a Morgan Stanley Portfolio Management Director, Doug manages all aspects of our clients’ discretionary portfolios. Doug also helps ensure clients stay well informed when it comes to crucial life decisions involving programs such as Social Security and Medicare.
A CERTIFIED FINANCIAL PLANNER™ since 2002, Doug brings his wealth of life experience to each client relationship. With his personable style, he is especially passionate about reaching out to the children of his clients—ensuring that they pay sufficient attention to intergenerational financial challenges and opportunities—and providing clients with key referrals to other trusted financial professionals.
Before entering the financial industry, Doug worked in radar navigation with the United States Coast Guard. Having spent most of this time working on the ocean, he can confirm that the movie The Perfect Storm was spot-on in its depiction of how rough the seas can quickly get off of Georges Bank.
In 1986, following the space shuttle Challenger disaster, Doug assisted in the recovery mission, receiving a Coast Guard Commendation Medal for his efforts. Doug also has an entertainment background in radio broadcasting.
Doug earned his Bachelor of Science degree in business with honors from East Carolina University. He enjoys traveling and, as a lifelong Washington Football Team fan, is happy to commiserate about the team’s performance over the past few decades.
He lives in Leesburg, Virginia. Away from the office Doug and his wife, Kim, enjoy spending time with their three grandchildren.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
As a Morgan Stanley Portfolio Management Director, Doug manages all aspects of our clients’ discretionary portfolios. Doug also helps ensure clients stay well informed when it comes to crucial life decisions involving programs such as Social Security and Medicare.
A CERTIFIED FINANCIAL PLANNER™ since 2002, Doug brings his wealth of life experience to each client relationship. With his personable style, he is especially passionate about reaching out to the children of his clients—ensuring that they pay sufficient attention to intergenerational financial challenges and opportunities—and providing clients with key referrals to other trusted financial professionals.
Before entering the financial industry, Doug worked in radar navigation with the United States Coast Guard. Having spent most of this time working on the ocean, he can confirm that the movie The Perfect Storm was spot-on in its depiction of how rough the seas can quickly get off of Georges Bank.
In 1986, following the space shuttle Challenger disaster, Doug assisted in the recovery mission, receiving a Coast Guard Commendation Medal for his efforts. Doug also has an entertainment background in radio broadcasting.
Doug earned his Bachelor of Science degree in business with honors from East Carolina University. He enjoys traveling and, as a lifelong Washington Football Team fan, is happy to commiserate about the team’s performance over the past few decades.
He lives in Leesburg, Virginia. Away from the office Doug and his wife, Kim, enjoy spending time with their three grandchildren.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Securities Agent: OH, AZ, WV, UT, MS, AR, WA, OK, MN, VA, SC, NJ, MI, TX, RI, OR, NE, MD, DC, TN, MO, VT, PA, ME, MA, IN, CO, AL, WI, NY, NV, NM, KS, IL, IA, KY, FL, CT, AK, NH, GA, DE, CA, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 1279467
NMLS#: 1279467
About Richard F Vert Jr.
Rick focuses on developing comprehensive financial planning strategies for individuals and families. Throughout his career, Rick has worked tirelessly to provide clients with the utmost personal care and attention. He carefully and thoughtfully listens to help those clients tailor financial planning strategies specifically to their objectives. Knowing that fast-moving markets are constantly changing, Rick focuses on developing long-term strategic solutions and on meeting families’ complex financial needs throughout the various stages of their lives.
To better serve his clients, Rick furthered his education by earning the CERTIFIED FINANCIAL PLANNER™ (CFP) designation from the College for Financial Planning in 2005. The CFP® certification includes an ethical duty to look after his clients’ investments, and he extends this ethical requirement to every aspect of his profession. In addition, he holds the Portfolio Management Director designation at Morgan Stanley, where he began his career in 1999.
Rick graduated from the University of South Carolina with a Bachelor of Science degree in international relations. He also holds a Master of Science degree in strategic intelligence from the Defense Intelligence College and a Master of Arts degree from the University of Durham.
To better serve his clients, Rick furthered his education by earning the CERTIFIED FINANCIAL PLANNER™ (CFP) designation from the College for Financial Planning in 2005. The CFP® certification includes an ethical duty to look after his clients’ investments, and he extends this ethical requirement to every aspect of his profession. In addition, he holds the Portfolio Management Director designation at Morgan Stanley, where he began his career in 1999.
Rick graduated from the University of South Carolina with a Bachelor of Science degree in international relations. He also holds a Master of Science degree in strategic intelligence from the Defense Intelligence College and a Master of Arts degree from the University of Durham.
Securities Agent: OH, DC, PA, KS, WI, TX, NY, NH, SC, ID, CT, CO, WA, NJ, MI, DE, VT, OR, AK, TN, NV, NE, NC, IA, WV, NM, ME, KY, IN, IL, HI, CA, AZ, UT, RI, MS, MN, MD, FL, AR, AL, VA, MO, MA, GA, OK; General Securities Representative; Investment Advisor Representative
NMLS#: 1265332
NMLS#: 1265332
About John Kelly
John focuses on providing comprehensive financial planning services to corporate executives and their families. He provides clients with top-tier service through an extensive understanding of their company benefits and tailoring financial strategies to the unique needs of corporate executives. John also works with many corporations and local institutions to provide them with access to sophisticated strategies, better enabling them to secure talent and promote growth.
John, who began his career as an advisor at an independent firm, came to Morgan Stanley in 2015 and soon afterwards earned his CERTIFIED FINANCIAL PLANNERTM (CFP®) designation. In addition to serving as a Financial Advisor, John is Senior Portfolio Manager of The Covered Portfolio Series – an ecosystem of options-based strategies designed to deliver clients with alternatives to stocks and bonds, as well as customized hedging on concentrated stock positions.
John was named a Forbes Best-In-State Next-Gen Wealth Advisor in 2024 and 2025.
John graduated with a Master’s in Business Administration (MBA) from Saint Francis University in Pennsylvania. He also attended Penn State University, where he played football and was a member of the 2008 Big Ten Championship Team and 2009 Rose Bowl team.
John enjoys staying active in athletics, church and the local community in Frederick, Maryland, where he lives with his wife (Alex) and children (Grace, Jack, Jude and Claire).
2024-2025 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued
https://www.morganstanley.com/disclosures/awards-disclosure.html
John, who began his career as an advisor at an independent firm, came to Morgan Stanley in 2015 and soon afterwards earned his CERTIFIED FINANCIAL PLANNERTM (CFP®) designation. In addition to serving as a Financial Advisor, John is Senior Portfolio Manager of The Covered Portfolio Series – an ecosystem of options-based strategies designed to deliver clients with alternatives to stocks and bonds, as well as customized hedging on concentrated stock positions.
John was named a Forbes Best-In-State Next-Gen Wealth Advisor in 2024 and 2025.
John graduated with a Master’s in Business Administration (MBA) from Saint Francis University in Pennsylvania. He also attended Penn State University, where he played football and was a member of the 2008 Big Ten Championship Team and 2009 Rose Bowl team.
John enjoys staying active in athletics, church and the local community in Frederick, Maryland, where he lives with his wife (Alex) and children (Grace, Jack, Jude and Claire).
2024-2025 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued
https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: KS, AR, NJ, NE, LA, IN, AZ, AL, OR, MA, CO, WI, TN, NC, HI, MO, CA, SC, NV, DC, AK, VA, NY, ME, IL, GA, TX, RI, PA, OK, NM, NH, MN, MD, IA, CT, WA, UT, OH, MS, MI, KY, WV, VT, FL, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 1479415
NMLS#: 1479415
About Carl W Vail
For over 25 years, Carl has dedicated his career to the field of financial advisory. It has been a remarkable journey, marked by continuous growth and the privilege of helping individuals and families achieve their financial goals. Starting his career at Legg Mason, Carl became a part of the Morgan Stanley family during their merge more than 20 years ago. He became a partner of The Perspective Group at Morgan Stanley in 2024, as a demonstration of his constant desire to provide clients with the best service experience.
As a seasoned financial advisor, Carl has honed his skills and expertise to offer comprehensive financial planning solutions. His mission is to provide clients with peace of mind and a roadmap to financial well-being. Carl takes pride in helping individuals envision their financial future and guiding them step by step toward their desired outcomes. By leveraging his expertise in investment management, retirement planning, tax strategies, and risk management, he strives to optimize clients' financial positions and assist them in achieving their lifelong aspirations.
Throughout his career, he has had the pleasure of developing a thriving practice built on trust, integrity, and a genuine commitment to client success. By providing personalized guidance tailored to each client's unique circumstances, he has fostered long-lasting relationships based on mutual respect and shared objectives.
One of the significant milestones in Carl’s journey was achieving the CERTIFIED FINANCIAL PLANNER™ (CFP) designation. This esteemed credential not only demonstrates his comprehensive understanding of financial planning principles but also underscores his dedication to maintaining the highest professional standards.
Carl is constantly grateful for the trust clients have placed in him over the years and remains committed to providing exceptional financial guidance and unparalleled service.
A native of Montgomery County, Carl remains involved in his community by providing financial literacy education as project of passion. In his free time, Carl enjoys playing tennis, traveling, and spending time with family.
As a seasoned financial advisor, Carl has honed his skills and expertise to offer comprehensive financial planning solutions. His mission is to provide clients with peace of mind and a roadmap to financial well-being. Carl takes pride in helping individuals envision their financial future and guiding them step by step toward their desired outcomes. By leveraging his expertise in investment management, retirement planning, tax strategies, and risk management, he strives to optimize clients' financial positions and assist them in achieving their lifelong aspirations.
Throughout his career, he has had the pleasure of developing a thriving practice built on trust, integrity, and a genuine commitment to client success. By providing personalized guidance tailored to each client's unique circumstances, he has fostered long-lasting relationships based on mutual respect and shared objectives.
One of the significant milestones in Carl’s journey was achieving the CERTIFIED FINANCIAL PLANNER™ (CFP) designation. This esteemed credential not only demonstrates his comprehensive understanding of financial planning principles but also underscores his dedication to maintaining the highest professional standards.
Carl is constantly grateful for the trust clients have placed in him over the years and remains committed to providing exceptional financial guidance and unparalleled service.
A native of Montgomery County, Carl remains involved in his community by providing financial literacy education as project of passion. In his free time, Carl enjoys playing tennis, traveling, and spending time with family.
Securities Agent: PA, KS, SC, MT, GA, TX, NC, HI, CT, WA, OR, NJ, NE, AZ, AL, WV, UT, NY, IA, DE, DC, RI, KY, FL, CO, CA, OK, NH, MA, VT, VA, MI, IL, WI, MD, IN, AR, TN, NM, MS, MN, ME, AK, OH, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 1275743
NMLS#: 1275743
About Jared A. Vance
Jared specializes in working with corporate executives and helping investors navigate concentrated stock positions, bringing thoughtful guidance to complex compensation and portfolio decisions.
More broadly, Jared coaches and advises clients through every stage of their financial journey. Through a robust, comprehensive process, he helps clients define and accomplish their goals and build lasting family wealth. By understanding and empathizing with each client’s unique circumstances, Jared delivers holistic, tailored financial advice.
Jared began his career with Morgan Stanley in 2018 as an Equity and Fixed Income Trading Analyst for the firm’s hedge fund clients. He pivoted to become a Wealth Advisory Associate in 2019, creating and presenting financial plans for dozens of financial advising teams and their clients. Jared then became a Financial Advisor in 2021. In 2024, The Perspective Group was fortunate to be able add Jared’s insight and experience to their team.
Jared attended the University of Maryland, Baltimore County (UMBC), where he graduated with honors in Business Technology. While at UMBC, Jared was a three-time Coastal Collegiate Sports Association (CCSA) Champion and one-time America East Conference (AEC) Champion as a member of UMBC’s Division 1 Swimming Program.
Outside of the office, Jared leverages his coaching and advising skills as he volunteers with the Special Olympics and officiates high school basketball. Jared lives in Frederick, MD, with his wife, Carly, and their two cats and dogs. He also enjoys traveling, golfing, and spending time with family and friends.
More broadly, Jared coaches and advises clients through every stage of their financial journey. Through a robust, comprehensive process, he helps clients define and accomplish their goals and build lasting family wealth. By understanding and empathizing with each client’s unique circumstances, Jared delivers holistic, tailored financial advice.
Jared began his career with Morgan Stanley in 2018 as an Equity and Fixed Income Trading Analyst for the firm’s hedge fund clients. He pivoted to become a Wealth Advisory Associate in 2019, creating and presenting financial plans for dozens of financial advising teams and their clients. Jared then became a Financial Advisor in 2021. In 2024, The Perspective Group was fortunate to be able add Jared’s insight and experience to their team.
Jared attended the University of Maryland, Baltimore County (UMBC), where he graduated with honors in Business Technology. While at UMBC, Jared was a three-time Coastal Collegiate Sports Association (CCSA) Champion and one-time America East Conference (AEC) Champion as a member of UMBC’s Division 1 Swimming Program.
Outside of the office, Jared leverages his coaching and advising skills as he volunteers with the Special Olympics and officiates high school basketball. Jared lives in Frederick, MD, with his wife, Carly, and their two cats and dogs. He also enjoys traveling, golfing, and spending time with family and friends.
Securities Agent: NM, NY, IL, GA, AR, KY, VT, VA, NV, ME, MD, CT, CO, MS, MO, MN, DE, AL, WI, PA, NC, MI, AK, SC, WV, TN, NE, KS, IA, OK, NJ, MA, FL, AZ, WA, UT, RI, OR, OH, TX, NH, IN, HI, DC, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 2286369
NMLS#: 2286369
About Jessi Brady
As our Business Development Associate, Jessi Brady is a key partner in the Perspective Group. She joined the firm in 1998 and has been a member of the Perspective Group since our inception in 2010.
In 2015, Jessi earned the Financial Planning Specialist designation and, her extraordinary proficiency was recognized by Morgan Stanley in 2024 when she received the honor of the select title promotion to Vice President.
As Business Development Associate, Jessi is involved in all aspects of the practice. In addition to being a regular point of contact for our clients, her extensive base of financial knowledge is a key resource for our clients in answering questions and resolving concerns.
Although her son, Zach graduated college in 2025, Jessi can still be found participating in local school functions, or in the stands at youth sporting events. Jessi has thirteen nieces and nephews whom she supports in their many activities. Jessi and her family live in Frederick County, Maryland.
In 2015, Jessi earned the Financial Planning Specialist designation and, her extraordinary proficiency was recognized by Morgan Stanley in 2024 when she received the honor of the select title promotion to Vice President.
As Business Development Associate, Jessi is involved in all aspects of the practice. In addition to being a regular point of contact for our clients, her extensive base of financial knowledge is a key resource for our clients in answering questions and resolving concerns.
Although her son, Zach graduated college in 2025, Jessi can still be found participating in local school functions, or in the stands at youth sporting events. Jessi has thirteen nieces and nephews whom she supports in their many activities. Jessi and her family live in Frederick County, Maryland.
About Michelle Stitely
Michelle joined the firm in 2008 and became a member of the Perspective Group in 2017. As our Portfolio Associate, Michelle is fully licensed and can assist in the execution of client trade requests and fund transfers. She has also earned the Financial Planning Associate designation. She takes pride in providing exemplary customer service and being a resource for our clients.
Michelle lives in Wolfsville, Maryland with her husband, Brian. They have two sons - Zack and Jake, and recently became grandparents to a little girl, Paisley Grace. Michelle enjoys her time with family and relaxing in the serene setting of the pond on their western Maryland property.
Michelle lives in Wolfsville, Maryland with her husband, Brian. They have two sons - Zack and Jake, and recently became grandparents to a little girl, Paisley Grace. Michelle enjoys her time with family and relaxing in the serene setting of the pond on their western Maryland property.
About Makayla Greene
Makayla assists with enhancing and maintaining new and existing client relationships through active communication with clients, processing client requests, providing guidance and making sure key information and documentation remains current.
Makayla began her career at Morgan Stanley’s Rockville location as the Branch Administrator in 2022. While working, she obtained all the licenses required to become a fully registered employee. She then joined The Perspective Group in 2024, as a Registered Client Service Associate.
Prior to coming to Morgan Stanley, Makayla received her bachelor’s degree in Business Administration at Towson University. Makayla enjoys traveling, playing tennis, and hiking in her spare time.
Makayla began her career at Morgan Stanley’s Rockville location as the Branch Administrator in 2022. While working, she obtained all the licenses required to become a fully registered employee. She then joined The Perspective Group in 2024, as a Registered Client Service Associate.
Prior to coming to Morgan Stanley, Makayla received her bachelor’s degree in Business Administration at Towson University. Makayla enjoys traveling, playing tennis, and hiking in her spare time.
About Alex Vert
As a Wealth Management Analyst, Alex focuses on servicing clients by working in partnership with our Financial Advisors to deliver customized financial plans. Alex strives to provide exceptional client service and supports our Financial Advisors in the areas of analysis and reporting.
Alex joined The Perspective Group in 2025. He began his career in the financial industry in 2021 and became a CERTIFIED FINANCIAL PLANNER (CFP®) in 2024. Alex also holds the Series 7 and Series 66 licenses.
Alex graduated with a Bachelor’s Degree in Business Administration, with a focus on Entrepreneurship, from High Point University in 2017. Prior to his time at High Point, he attended the University of District of Columbia, where he played soccer.
Outside of the office, Alex continues to enjoy playing soccer, church, and traveling.
Alex joined The Perspective Group in 2025. He began his career in the financial industry in 2021 and became a CERTIFIED FINANCIAL PLANNER (CFP®) in 2024. Alex also holds the Series 7 and Series 66 licenses.
Alex graduated with a Bachelor’s Degree in Business Administration, with a focus on Entrepreneurship, from High Point University in 2017. Prior to his time at High Point, he attended the University of District of Columbia, where he played soccer.
Outside of the office, Alex continues to enjoy playing soccer, church, and traveling.
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Maria Tashjian
Private Banker
About Maria Tashjian
Maria Tashjian is a Private Banker serving Morgan Stanley Wealth Management offices in Maryland.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Maria began her career in financial services in 2006, and joined Morgan Stanley in 2010. Prior to being promoted to Private Banker in 2021, Maria served as the Associate Private Banker supporting Wealth Management offices in Virginia.
Maria is a graduate of the University of Massachusetts, where she received a Bachelor of Science in Management and a Master of Business Administration. She lives in Fairfax, Virginia with her family. Outside of the office, Maria enjoys spending time with her family and volunteering for local community organizations.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Maria began her career in financial services in 2006, and joined Morgan Stanley in 2010. Prior to being promoted to Private Banker in 2021, Maria served as the Associate Private Banker supporting Wealth Management offices in Virginia.
Maria is a graduate of the University of Massachusetts, where she received a Bachelor of Science in Management and a Master of Business Administration. She lives in Fairfax, Virginia with her family. Outside of the office, Maria enjoys spending time with her family and volunteering for local community organizations.
NMLS#: 1500388
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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- Set themselves apart by offering comprehensive financial wellness benefits.
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Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley’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.
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.
3When 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
7Morgan 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.
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.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10Morgan 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.
11Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
13When 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.
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
15Alternative 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley’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.
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.
3When 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
7Morgan 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.
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.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10Morgan 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.
11Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
13When 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.
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
15Alternative 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
