Brian Bernhardt, CFP®
Managing Director, Private Wealth Management, Private Wealth Advisor
Phone:
(610) 260-7571(610) 260-7571
Morgan Stanley Private Wealth Management
The Plymouth Creek Group
Direct:
(610) 260-7571(610) 260-7571
Our Mission Statement
We seek to safeguard your family's legacy and help ensure prosperity for generations to come.
Welcome
While all wealthy families face complex financial issues, each has its own challenges, opportunities and aspirations. Based on a deep understanding of these factors, we can help you create a customized, comprehensive plan to help you achieve your goals and realize your family's unique vision.
As Morgan Stanley Private Wealth Advisors, we combine our own talents and experience with the vast resources of a global financial services firm to address the planning, governance, liability management and investment needs of ultra high net worth families, their businesses and philanthropic enterprises. We take a holistic approach that is grounded in investment strategy, but covers virtually every aspect of your financial life: risk management, trust and estate planning strategies, asset location, tax management strategies and even family dynamics and lifestyle management issues. Our goal is to help preserve and grow your financial, family and social capital so that it can have the greatest positive impact today and for generations to come.
Forbes 2025 Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24.
As Morgan Stanley Private Wealth Advisors, we combine our own talents and experience with the vast resources of a global financial services firm to address the planning, governance, liability management and investment needs of ultra high net worth families, their businesses and philanthropic enterprises. We take a holistic approach that is grounded in investment strategy, but covers virtually every aspect of your financial life: risk management, trust and estate planning strategies, asset location, tax management strategies and even family dynamics and lifestyle management issues. Our goal is to help preserve and grow your financial, family and social capital so that it can have the greatest positive impact today and for generations to come.
Forbes 2025 Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24.
Capabilities
- Comprehensive Wealth Planning
- Tax, Trust & Estate AdvisoryFootnote1
- Philanthropy Management
- Family Governance & Wealth Education
- Lifestyle Advisory ServicesFootnote2
- Pre-Liquidity Planning
- 10b5-(1) Programs
- Risk Management
- Investment Management
- Asset AllocationFootnote3
- Manager Selection
- Sustainable & Responsible InvestingFootnote4
- Cash Management & LendingFootnote5
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
About PWM
Founded in 1977, Private Wealth Management is the division of Morgan Stanley Wealth Management that is dedicated to serving the firm’s most affluent clients, including some of the world’s most accomplished entrepreneurs, executives and stewards of multigenerational wealth. Functioning as an exclusive investment boutique within a global financial firm, we deliver sophisticated solutions that leverage the intellectual capital and insight of Morgan Stanley’s substantial global resources. Drawing on a deep understanding of your financial life, our goal is to help you:
- Manage investments with an unwavering focus on your financial strategy and personal goals
- Create comprehensive, multigenerational wealth management plans based on your needs, challenges and the values that guide your life and legacy
- Simplify financial complexity to help you achieve clarity and control
Private Wealth Management Highlights
- Approximately 300 teams specialized in assisting individuals and families with $20MM+ in investable assets
- Over $1.2 trillion in AUM
- Comprising 26% of the Barron’s Top 100 Financial Advisors list for 2025
- Direct access to ultra high net worth experts in philanthropy, family dynamics, wealth transfer, lifestyle advisory and other areas of interest to ultra high net worth families
1 Morgan Stanley Wealth Management, September 2025
Source: Barron's (Awarded March 2025) This ranking was determined based on an evaluation process conducted by Barron's for the period Oct 2023-Sept 2024. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on an algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the assessment of Barron's and may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
WORKING WITH YOU
At Morgan Stanley, we believe that identifying financial solutions begins with a solid understanding of each client's situation, goals, objectives and risk tolerance. We follow a disciplined process that allows us to work with you to craft a solution that helps meet your individual needs. This process aligns our efforts with your interests, providing a road map focused on what is most important to you.
Step 1: Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Step 2: Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Step 3: Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Step 4: Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Step 5: Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Step 6: Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
CUSTOMIZED SOLUTIONS
We believe successful wealth management is a process, not an event. As a result, we have built a personalized, first-class service experience that is based on continuous service, mutual understanding of goals and direction, and ongoing relationship building. As your wealth grows, so does its complexities and the resources needed to manage it effectively. We leverage our experience and relationships to deliver innovative strategies that are tailored to your needs.
Liquidity Event
Selling a business should be the reward for years of entrepreneurial savvy and hard work. Here’s how to make the process go smoothly.
Preparing for the Transaction of a Lifetime
Your Workforce
We believe there’s no better investment your company can make than in your employees. When they work at their best, so does your business. That’s why Morgan Stanley at Work delivers workplace financial solutions that can help employees build financial confidence and help you attract and retain top talent.
Morgan Stanley at Work
Corporate Retirement Plans
For your employees, retirement is more than a date in the future – it’s a milestone that takes time, hard work and the right tools to achieve. Morgan Stanley at Work provides plan sponsors with a comprehensive suite of solutions and investment experience that helps your employees maximize their potential to reach their long-term goals.
Morgan Stanley at WorkPLANNING FOR YOUR FAMILY'S FINANCIAL NEEDS
Morgan Stanley At Work
Morgan Stanley At Work helps businesses at any stage of their lifecycle reward and retain employees through various equity programs and retirement solutions. Whether a start up or mature public company, MS At Work offers a full range of services such as 409A valuations, cap table management, financial education for employees, 401(k) plans, and deferred compensation plan design.
MS At Work SolutionsLocation
100 Front St
Ste 600
West Conshohocken, PA 19428
US
Direct:
(610) 260-7571(610) 260-7571
Meet The Plymouth Creek Group
Ryan Flynn
First Vice President, Private Wealth Management, Financial Advisor
Phone:
(610) 260-7573(610) 260-7573
Frank Coulson
Executive Director, Private Wealth Advisor, Alternative Investments Director
Phone:
(610) 260-7050(610) 260-7050
Shaye Efunnuga
Vice President, Director of Investments
Phone:
(610) 260-7575(610) 260-7575
Casey Breitmayer, CFP®
Vice President, Director of Business Strategy, Financial Planning Specialist
Phone:
(610) 260-7574(610) 260-7574
Mary Chiavaroli
Vice President, Private Wealth Management Associate
Phone:
(610) 260-7578(610) 260-7578
Blair Kurtz
Assistant Vice President, Group Director
Phone:
(610) 260-7572(610) 260-7572
About Brian Bernhardt
Brian Bernhardt has more than two decades of experience providing strategic advice and sophisticated planning services to wealthy families and business owners. As a Certified Financial Planner®, Brian works closely with clients and their other trusted advisors to develop customized estate and investment strategies. His focus includes strategic asset placement, wealth transfer planning, and tax-aware solutions designed to support long-term financial objectives.
Before joining Morgan Stanley Private Wealth Management in 2012, Brian served as a Financial Advisor at Deutsche Bank Private Wealth Management. Earlier in his career, he held advisory and client-facing roles within financial services, where he built a strong foundation in comprehensive planning, investment strategy, and relationship management.
Brian holds a Bachelor of Arts in Political Science and International Relations from Cornell University. He resides in Berwyn, Pennsylvania, with his wife, their two teenagers, and two dogs. Outside of work, Brian enjoys staying active, spending time with his family, and following collegiate athletics. He is actively involved in his community and has served as a trustee or board member for several organizations, including Saint James School, Agnes Irwin School, St. Mark’s Endowment, The Clay Studio, and the Arts and Business Council of Philadelphia.
Before joining Morgan Stanley Private Wealth Management in 2012, Brian served as a Financial Advisor at Deutsche Bank Private Wealth Management. Earlier in his career, he held advisory and client-facing roles within financial services, where he built a strong foundation in comprehensive planning, investment strategy, and relationship management.
Brian holds a Bachelor of Arts in Political Science and International Relations from Cornell University. He resides in Berwyn, Pennsylvania, with his wife, their two teenagers, and two dogs. Outside of work, Brian enjoys staying active, spending time with his family, and following collegiate athletics. He is actively involved in his community and has served as a trustee or board member for several organizations, including Saint James School, Agnes Irwin School, St. Mark’s Endowment, The Clay Studio, and the Arts and Business Council of Philadelphia.
Securities Agent: MT, SC, MI, AZ, UT, SD, PA, NM, FL, CT, CO, VT, GA, DE, IL, CA, WA, RI, OH, NY, NJ, NH, MA, WY, VA, MD, HI, TX, NV, DC, NC, WV; General Securities Representative; Investment Advisor Representative
NMLS#: 1279070
CA Insurance License #: 0M98214
NMLS#: 1279070
CA Insurance License #: 0M98214
About Ryan Flynn
Ryan Flynn has more than a decade of experience at Morgan Stanley advising affluent families, businesses, and institutions. As a non-practicing estate attorney, Ryan plays a central role in integrating income tax and estate planning strategies, trust administration; philanthropic planning; and the formation, succession, and sale of closely held businesses.
Prior to joining Morgan Stanley in 2014, Ryan practiced as a Private Wealth attorney at Archer P.C. and, earlier, worked in the Family Office Services group at PricewaterhouseCoopers LLP. He holds a Bachelor of Arts from Georgetown University and a Juris Doctor from Villanova University School of Law, where he served as Editor-in-Chief of the Villanova Tax Law Compendium. Ryan furthered his education in tax, estates, and business planning at Georgetown University Law Center and Villanova’s Graduate Tax Law Program, earning an LL.M. As a member of Morgan Stanley, Ryan does not provide tax or legal advice.
Ryan resides in Cherry Hill, New Jersey, with his wife, Jenn, and their twin children, Tommy and Addie. Outside of work, he enjoys spending time with his family, coaching youth sports, and following local high school and college sports. Ryan is deeply involved in his community, serving as president of The Georgetown University Club and on the Board of Governors of St. Joseph’s Preparatory School. He is also a member of the bar associations and estate and financial planning councils of Pennsylvania and New Jersey and actively supports the Bringing Up Down Syndrome (BUDS) organization alongside his younger sister, Tricia.
Prior to joining Morgan Stanley in 2014, Ryan practiced as a Private Wealth attorney at Archer P.C. and, earlier, worked in the Family Office Services group at PricewaterhouseCoopers LLP. He holds a Bachelor of Arts from Georgetown University and a Juris Doctor from Villanova University School of Law, where he served as Editor-in-Chief of the Villanova Tax Law Compendium. Ryan furthered his education in tax, estates, and business planning at Georgetown University Law Center and Villanova’s Graduate Tax Law Program, earning an LL.M. As a member of Morgan Stanley, Ryan does not provide tax or legal advice.
Ryan resides in Cherry Hill, New Jersey, with his wife, Jenn, and their twin children, Tommy and Addie. Outside of work, he enjoys spending time with his family, coaching youth sports, and following local high school and college sports. Ryan is deeply involved in his community, serving as president of The Georgetown University Club and on the Board of Governors of St. Joseph’s Preparatory School. He is also a member of the bar associations and estate and financial planning councils of Pennsylvania and New Jersey and actively supports the Bringing Up Down Syndrome (BUDS) organization alongside his younger sister, Tricia.
Securities Agent: PA, CO, NC, WY, SC, IL, HI, VA, DE, VT, NY, CT, RI, NH, MI, WV, SD, UT, NM, NJ, FL, OH, MA, TX, MT, AZ, WA, MD, CA, NV, GA, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1398794
CA Insurance License #: 0M98022
NMLS#: 1398794
CA Insurance License #: 0M98022
About Frank Coulson
Frank Coulson has nearly 30 years of experience crafting customized wealth management solutions for affluent executives, entrepreneurs, and complex entities, including trusts and foundations. He is known for developing thoughtful, tailored strategies that address the unique financial needs of his clients and support long-term planning objectives.
Before joining Morgan Stanley in 2014, Frank spent 14 years as a Director within the Wealth Management Groups at Barclays and Lehman Brothers. He began his career at Goldman Sachs in New York City within the Private Client Services Group, where he built a strong foundation advising high-net-worth individuals and families.
Frank holds a Bachelor of Arts in Economics from the University of Vermont. He resides in Devon, Pennsylvania, with his wife, Lesley, their three children, and their dogs. Outside of work, he enjoys skiing, golf, and fly fishing. He is actively involved in the Greater Philadelphia community and has served on committees for several organizations, including the Agnes Irwin School, The Merion Golf Club, the Franklin Institute, the Philadelphia Zoo, the Devon Horse Show, the Philadelphia Anglers Club, and the Academy of Natural Sciences of Philadelphia.
Before joining Morgan Stanley in 2014, Frank spent 14 years as a Director within the Wealth Management Groups at Barclays and Lehman Brothers. He began his career at Goldman Sachs in New York City within the Private Client Services Group, where he built a strong foundation advising high-net-worth individuals and families.
Frank holds a Bachelor of Arts in Economics from the University of Vermont. He resides in Devon, Pennsylvania, with his wife, Lesley, their three children, and their dogs. Outside of work, he enjoys skiing, golf, and fly fishing. He is actively involved in the Greater Philadelphia community and has served on committees for several organizations, including the Agnes Irwin School, The Merion Golf Club, the Franklin Institute, the Philadelphia Zoo, the Devon Horse Show, the Philadelphia Anglers Club, and the Academy of Natural Sciences of Philadelphia.
Securities Agent: SD, WY, WV, WA, VT, VA, UT, TX, SC, RI, PA, OK, OH, NY, NV, NM, NJ, NH, NC, MT, MI, ME, MD, MA, HI, GA, FL, DE, DC, CT, CO, CA, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 1297876
NMLS#: 1297876
About Shaye Efunnuga
Shaye Efunnuga brings more than 21 years of experience in the financial services industry to her role as the team’s Director of Investments. Responsible for investment allocation implementation, portfolio management, and alternative investment analysis, Shaye leads ongoing due diligence efforts and monitors portfolio exposure across hedge funds, private equity, private credit, and real estate.
Prior to joining Morgan Stanley in 2017, Shaye spent 12 years at J.P. Morgan, where she gained extensive experience in investment management and portfolio analysis.
Shaye earned a B.B.A. in Finance and an M.B.A. in Strategic Management from the Fox School of Business at Temple University. A Philadelphia native, she lives in the Wynnefield section of the city and is an avid traveler who enjoys exploring new destinations.
Prior to joining Morgan Stanley in 2017, Shaye spent 12 years at J.P. Morgan, where she gained extensive experience in investment management and portfolio analysis.
Shaye earned a B.B.A. in Finance and an M.B.A. in Strategic Management from the Fox School of Business at Temple University. A Philadelphia native, she lives in the Wynnefield section of the city and is an avid traveler who enjoys exploring new destinations.
About Casey Breitmayer
As Director of Business Strategy, Casey Breitmayer works closely with internal partners across the firm to coordinate resources, align priorities, and support initiatives that drive the team’s long-term growth and scalability. A CERTIFIED FINANCIAL PLANNER™ professional, Casey works closely with clients to construct comprehensive, multigenerational wealth management plans.
Prior to joining Morgan Stanley in 2016, Casey worked in institutional fixed income sales at Oppenheimer & Co., Inc. She holds a Bachelor of Science in Business Administration with a concentration in Finance from the LeBow College of Business at Drexel University. Casey and her husband Alex live in Plymouth Meeting, Pennsylvania, with their daughter, Jolene and son, Conway. Outside of work, she enjoys singing for fun, traveling, volunteering, and spending time with family and friends.
Prior to joining Morgan Stanley in 2016, Casey worked in institutional fixed income sales at Oppenheimer & Co., Inc. She holds a Bachelor of Science in Business Administration with a concentration in Finance from the LeBow College of Business at Drexel University. Casey and her husband Alex live in Plymouth Meeting, Pennsylvania, with their daughter, Jolene and son, Conway. Outside of work, she enjoys singing for fun, traveling, volunteering, and spending time with family and friends.
About Mary Chiavaroli
Mary Chiavaroli is an experienced Wealth Management Associate who supports client service and operational needs across the team. Mary plays a key role in coordinating service requests and ensuring day-to-day client interactions are handled with accuracy and professionalism.
Before joining Morgan Stanley in 2022, Mary served as a Vice President and Senior Client Service Associate at J.P. Morgan Private Bank, where she supported complex client relationships for eight years.
Mary and her partner, Mike live in Springfield, PA, and have a blended family with four children and two grandchildren. Outside of work, she enjoys attending family sporting events, traveling, working on DIY projects, and hosting Sunday dinners.
Before joining Morgan Stanley in 2022, Mary served as a Vice President and Senior Client Service Associate at J.P. Morgan Private Bank, where she supported complex client relationships for eight years.
Mary and her partner, Mike live in Springfield, PA, and have a blended family with four children and two grandchildren. Outside of work, she enjoys attending family sporting events, traveling, working on DIY projects, and hosting Sunday dinners.
About Blair Kurtz
Blair Kurtz brings more than 15 years of experience in the wealth management industry. As the team’s Group Director, she oversees day-to-day operations, and coordinates across the team to ensure a consistently high-quality client experience.
Prior to joining Morgan Stanley in 2016, Blair held a management role at UBS in New York, where she focused on operational leadership and team management.
She earned dual degrees from the University of Pittsburgh’s School of Business and School of Arts and Sciences. Blair and her husband Brian live in Berwyn, Pennsylvania with their daughter Bryn, and son, Beckett. Outside of work, she enjoys watching sports, walking, and spending time with family and friends.
Prior to joining Morgan Stanley in 2016, Blair held a management role at UBS in New York, where she focused on operational leadership and team management.
She earned dual degrees from the University of Pittsburgh’s School of Business and School of Arts and Sciences. Blair and her husband Brian live in Berwyn, Pennsylvania with their daughter Bryn, and son, Beckett. Outside of work, she enjoys watching sports, walking, and spending time with family and friends.
Contact Brian Bernhardt
Contact Ryan Flynn
Contact Frank Coulson
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Private Wealth Management Podcast
Bringing you engaging stories and key insights surrounding the complexities associated with significant wealth, including:
- Intergenerational Planning
- Philanthropic Giving
- Non-Traditional Assets
- Managing Family Wealth
LISTEN | Passion Assets: Investing in Art
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Managing Significant Wealth
- Investment Management
- Wealth Transfer & Philanthropy
- Cash Management & Lending
- Family Governance & Wealth Education
- Lifestyle Advisory
- Business Services
Insights and Outcomes
Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
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- Private Banking Solutions
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- Lifestyle Advisory
We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
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 Smith Barney LLC and its affiliates and their employees (including Financial Advisors and Private Wealth Advisors) are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.
2Morgan Stanley Smith Barney LLC (the “Firm”) and its affiliates do not currently offer the services provided by this Service Provider(s). The Service Provider(s) is not an affiliate of the Firm. Any review of the Service Provider(s) performed by the Firm was based on information from sources that we believe are reliable but we cannot guarantee its accuracy or completeness. This referral should in no way be considered to be a solicitation by the Firm for business on behalf of the Service Provider(s). The Firm makes no representations regarding the appropriate or otherwise of the products or services provided by the Service Provider(s). There may be additional service providers for comparative purposes. If you choose to contact the Service Provider(s), do thorough due diligence, and make your own independent decision.
3Asset Allocation does not assure a profit or protect against loss in declining financial markets.
4Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria.
5Morgan 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
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.
Morgan 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.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
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.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products 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.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
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
Awards Disclosures | Morgan Stanley
1Morgan Stanley Smith Barney LLC and its affiliates and their employees (including Financial Advisors and Private Wealth Advisors) are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.
2Morgan Stanley Smith Barney LLC (the “Firm”) and its affiliates do not currently offer the services provided by this Service Provider(s). The Service Provider(s) is not an affiliate of the Firm. Any review of the Service Provider(s) performed by the Firm was based on information from sources that we believe are reliable but we cannot guarantee its accuracy or completeness. This referral should in no way be considered to be a solicitation by the Firm for business on behalf of the Service Provider(s). The Firm makes no representations regarding the appropriate or otherwise of the products or services provided by the Service Provider(s). There may be additional service providers for comparative purposes. If you choose to contact the Service Provider(s), do thorough due diligence, and make your own independent decision.
3Asset Allocation does not assure a profit or protect against loss in declining financial markets.
4Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria.
5Morgan 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
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.
Morgan 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.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
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.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products 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.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
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
Awards Disclosures | Morgan Stanley
CRC 4237142 (02/2025)
