Phone:
(574) 251-9107(574) 251-9107
The Polaris One Group at Morgan Stanley
Direct:
(574) 233-9400(574) 233-9400
Our Mission Statement
Our mission is to help each client identify their financial North Star —and to serve as a steady guide throughout their journey, helping them navigate complexity and pursue their unique vision of success with confidence.
Our Story
Unlike most stars, the North Star, Polaris, always stays in the same place in the sky. For centuries, it has been a constant, reliable, and served as a guiding light compass for navigating through uncharted territory. Whether traveling by sea or land, Polaris was instrumental in helping people achieve their objectives and reach their destinations. It is said that a person's 'North Star' is a metaphor for their personal mission and purpose in life, a point of reference to keep them on track to fulfill that purpose and arrive at their destination in an otherwise changing world.
At The Polaris One Group, understanding what your 'North Star' is and helping you navigate your financial journey, meet your objectives, and arrive safely at your personal destination is our most important priority. We have a firm belief that helping you achieve your objectives begins with understanding your situation and developing a plan to achieve your goals. We do not adopt a one size fits all approach and strive to personalize your experience while providing you our best advice on a foundation built with integrity, skill, reliability, and the genuine care that we each have for our clients.
Morgan Stanley has meaningful intelligence regarding every major asset class, a presence in every major market, and investment research from some of the world's most respected analysts. Our firm provides us with exceptional tools to assist us in our mission to help you. Together, we will formulate a strategy and provide guidance to empower you to achieve your most important goals.
The Polaris One Group at Morgan Stanley has over 100 years of combined experience in the financial services industry and we sincerely appreciate the opportunity to work with you.
At The Polaris One Group, understanding what your 'North Star' is and helping you navigate your financial journey, meet your objectives, and arrive safely at your personal destination is our most important priority. We have a firm belief that helping you achieve your objectives begins with understanding your situation and developing a plan to achieve your goals. We do not adopt a one size fits all approach and strive to personalize your experience while providing you our best advice on a foundation built with integrity, skill, reliability, and the genuine care that we each have for our clients.
Morgan Stanley has meaningful intelligence regarding every major asset class, a presence in every major market, and investment research from some of the world's most respected analysts. Our firm provides us with exceptional tools to assist us in our mission to help you. Together, we will formulate a strategy and provide guidance to empower you to achieve your most important goals.
The Polaris One Group at Morgan Stanley has over 100 years of combined experience in the financial services industry and we sincerely appreciate the opportunity to work with you.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- Trust ServicesFootnote4
- Philanthropic ManagementFootnote5
- Cash Management and Lending ProductsFootnote6
- Alternative InvestmentsFootnote7
- Retirement PlanningFootnote8
- Planning for Education FundingFootnote9
- Life InsuranceFootnote10
- Long-term Care InsuranceFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A Disciplined Investment Process
To be truly effective, your plan must reflect the totality of your personal and financial life. Our role is to help ensure that your investment objectives are consistent with pressing financial concerns and your long-term aspirations. We work closely with you to understand your needs while maintaining the focus and discipline to help guide your portfolio through the most challenging market cycles.
Our diagrams represent the process of creating a financial plan that is tailored to you.
Our diagrams represent the process of creating a financial plan that is tailored to you.
1. Set Your Financial Objectives
We take the time to fully understand you and your family-Whether you're planning for retirement, purchasing a home, or living out your golden years - we consider all of your challenges, goals, aspirations when building your financial picture. We help you develop an investment strategy based on your specific goals, time horizon, tolerance for risk and appetite for market volatility.
2. Define An Investment Strategy
We apply extensive research and analysis, and also utilize Morgan Stanley's full suite of resources, to ensure swift decisive action in all market scenarios to define an investment strategy for you based on asset allocation recommendation, model and portfolio construction, and a diversified investment strategy.
3. Evaluate and Select Investments
During our evaluate and investment selection, we implement an asset allocation strategy and invest based on your interest.
4. Ongoing Review Process
Our ongoing review process will assess your investment performance. We will also make any corresponding adjustments if needed, to your plan. Lastly, your strategy will have the adaptability to any changes in your personal and professional life.
Modern Wealth Tools and Resources
Modern wealth management tools empower both financial advisors and clients with cutting edge digital platform technology to manage investments and wealth. By leveraging the modern wealth management tools, they can help clients navigate complex financial landscapes, manage risk, and achieve their long term financial objectives. We have included links to the related tools, and we hope you return frequently to learn more about the modern wealth tools that can affect your financial wealth.
Morgan Stanley Online (MSO)
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Learn More and Enroll in MSO
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Learn More About Digital Vault
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.
Learn More and Enroll in eDelivery
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn More and Enroll in MS Reserve
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.
Learn More About Cybersecurity
Total Wealth View
Unique situations require unique solutions; to understand your financial picture entirely, Morgan Stanley conveniently allows you to view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App. The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Learn More and Enroll in Total Wealth View
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest Episode
On The Markets Research Reports
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest ReportGlobal Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read The Latest Report
2026 Federal Tax Table
This document outlines the 2026 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
View 2026 Tax TablesPrivate Banking
Private banking at Morgan Stanley is a comprehensive wealth management service designed to meet the financial need of clients. Private banking is designed to help clients grow and preserve their wealth over the long term. Below are some resources that can help you develop strategies to assist your financial needs. We have provided links to these materials and hope you will return often to learn more about the topics that impact your overall wealth.
Liquidity Access Line
Morgan Stanley's Liquidity Access Line (LAL) is a flexible financing solution that allows clients to access the value of their investment portfolios without the need to sell securities or other assets. The LAL offers clients a revolving line of credit, which can be used for a variety of purposes, including personal and business expenses, real estate purchases, or investment opportunities.
Learn More About LAL Here
Ultra-High Net Worth
As an Ultra-High Net Worth (UHNW) client, you may be eligible for customized lending solutions. UHNW clients can experience flexible, convenient and cost-effective borrowing options.
Learn More About UHNW Lending Solutions Here
CashPlus
CashPlus is a tool that allows you to have a modern alternative to banking. With CashPlus feel free to access your cash anytime and anywhere. It is an easy way to manage your account online.
Learn More and Enroll in CashPlusLocation
4100 Edison Lakes Pkwy
Ste 200
Mishawaka, IN 46545
US
Direct:
(574) 233-9400(574) 233-9400
Meet The Polaris One Group
Phone:
(574) 251-9115(574) 251-9115
Phone:
(574) 251-9111(574) 251-9111
Jill McHenry
Senior Registered Client Service Associate
Phone:
(574) 251-9106(574) 251-9106
About Brian Guy
For my entire career the foundation to my success has been putting my clients first and working with them to develop a plan to achieve financial security. “Financial Security” is a vague term that means different things to different people, but is at the core of what most clients are striving to achieve. I have a firm belief that long term financial success is not about what the market is doing this week, this month, or this year. Long term financial success, and ultimately financial security, comes from diligence, patience, persistence, sacrifice and the ability to see the big picture even when the events of the day make it hard to remain focused on the long term objective. Helping my clients to define and work toward their financial goals and helping them to avoid common pitfalls and mistakes, which can derail the best laid plans, provides me with tremendous professional satisfaction. I have great appreciation for the faith and trust that each client has placed in me and do my best to provide honest, unbiased, objective advice as we work toward achieving their objectives.
Securities Agent: IL, TX, MT, LA, NJ, DE, OH, ND, MI, CO, MN, IN, IA, GA, WI, NC, FL, CA, AR, WA, PA, NV, MO, VA, TN, SC, KY, MD, MA, AZ, OR, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 2252111
NMLS#: 2252111
About David B. Graham Jr.
I began my financial services career in 1989 at the Chicago Board of Trade after earning a Bachelor of Science degree in Agricultural Economics from Purdue University. In the early 1990s, I became a Financial Advisor with Merrill Lynch & Co. I later joined Wells Fargo Advisors, where I spent more than 25 years before joining Morgan Stanley in 2018. Since joining the firm, I have earned the Portfolio Manager designation and have been promoted to Senior Vice President.
As a Financial Advisor, I take a comprehensive approach to understanding each client’s goals, priorities and concerns. This process allows me to develop tailored wealth management and investment strategies designed to evolve as clients’ needs and circumstances change. Planning, analysis, ongoing engagement and regular monitoring are central to the long-term relationships we build with clients.
As a Portfolio Manager, I manage client portfolios based on each client’s objectives and risk tolerance. My responsibilities include investment selection, diversification, tactical portfolio adjustments and overall asset allocation.
I earned the CERTIFIED FINANCIAL PLANNER® certification in 1998. CFP® professionals must meet education, examination, experience and ethical requirements established by CFP Board. I also hold Series 7, 24, 53, 63 and 65 securities licenses.
My nickname is “Beau,” and I have been called that all my life. I live in South Bend, Indiana, with my wife, Carol, and we have three grown children. I am passionate about staying connected to the local community through various clubs and charitable organizations. In my free time, I enjoy golf, fly-fishing and skiing.
As a Financial Advisor, I take a comprehensive approach to understanding each client’s goals, priorities and concerns. This process allows me to develop tailored wealth management and investment strategies designed to evolve as clients’ needs and circumstances change. Planning, analysis, ongoing engagement and regular monitoring are central to the long-term relationships we build with clients.
As a Portfolio Manager, I manage client portfolios based on each client’s objectives and risk tolerance. My responsibilities include investment selection, diversification, tactical portfolio adjustments and overall asset allocation.
I earned the CERTIFIED FINANCIAL PLANNER® certification in 1998. CFP® professionals must meet education, examination, experience and ethical requirements established by CFP Board. I also hold Series 7, 24, 53, 63 and 65 securities licenses.
My nickname is “Beau,” and I have been called that all my life. I live in South Bend, Indiana, with my wife, Carol, and we have three grown children. I am passionate about staying connected to the local community through various clubs and charitable organizations. In my free time, I enjoy golf, fly-fishing and skiing.
Securities Agent: AZ, AR, PA, NY, NJ, IL, CA, OH, VA, MN, SC, MD, MA, IA, CO, TX, WI, MI, IN, TN, RI, NV, MT, FL, OR, ND, NC, LA, DE, WA, MO, KY, GA; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 1838642
NMLS#: 1838642
About Clayton Pyfer
Clay began his career in 2011 with Wells Fargo Bank after earning his Bachelor's Degree in Finance from Indiana University South Bend. In 2013, Clay became a Licensed Financial Advisor with Wells Fargo Advisors and served a dual role providing both banking and investment products to clients. He holds experience in a variety of areas including investment management, lending solutions, cash management. Additionally, he holds securities licenses in Series: 7, 6, 65, 63 & State Life Insurance and in 2022 earned the Financial Planning Specialist (FPS) designation.
In 2022, Clay joined Morgan Stanley and partnered with two other Morgan Stanley Financial Advisors, forming a team with over 70 years of combined experience. Clay’s primary role is to work with high-net-worth families and provide financial advice in the areas of wealth management, retirement planning, insurance, estate planning strategies, and cash management. Clay provides financial guidance to individuals, families, and businesses and uses his experience to deliver personalized financial plans and investment strategies. Clay’s mission is to provide each of his clients with financial confidence and a sound financial plan.
Clay is from Elkhart, IN where he still resides with his wife Heather and their four daughters. Outside the office he loves spending time with his girls. Bike rides, softball, swimming, and movie nights are some of their favorite activities. Clay also enjoys playing golf. Giving back to the local community is also a priority for Clay, especially in the Elkhart area and Jimtown School district where he and his wife both attended.
In 2022, Clay joined Morgan Stanley and partnered with two other Morgan Stanley Financial Advisors, forming a team with over 70 years of combined experience. Clay’s primary role is to work with high-net-worth families and provide financial advice in the areas of wealth management, retirement planning, insurance, estate planning strategies, and cash management. Clay provides financial guidance to individuals, families, and businesses and uses his experience to deliver personalized financial plans and investment strategies. Clay’s mission is to provide each of his clients with financial confidence and a sound financial plan.
Clay is from Elkhart, IN where he still resides with his wife Heather and their four daughters. Outside the office he loves spending time with his girls. Bike rides, softball, swimming, and movie nights are some of their favorite activities. Clay also enjoys playing golf. Giving back to the local community is also a priority for Clay, especially in the Elkhart area and Jimtown School district where he and his wife both attended.
Securities Agent: VT, VI, MS, DC, MD, LA, IN, AR, VA, RI, OK, MT, CA, NE, NC, MO, KY, CO, TN, SC, OH, MN, IA, AL, NV, NJ, FL, DE, AZ, UT, OR, AK, WI, ND, MI, PA, NY, GA, WA, TX, MA, KS, IL, CT, SD, PR, ME, NH, HI, WY, NM, WV, ID; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 792859
CA Insurance License #: 4043549
NMLS#: 792859
CA Insurance License #: 4043549
About Jill McHenry
Jill began her financial services career with McDonald Investments in 1997. She later spent 13 years with Wells Fargo Advisors before joining Morgan Stanley in 2018. She holds Series 7, 9, 10, 63 and 65 securities licenses.
As a Registered Client Relationship Analyst, Jill provides dedicated service and operational support to the team’s clients. Drawing on her extensive industry, product and procedural knowledge, she helps address clients’ day-to-day needs and coordinates with the team to deliver a seamless, high-quality experience. Jill is committed to building strong client relationships and combines her experience with the broad resources of The Polaris One Group and Morgan Stanley.
Originally from Goshen, Jill lives in Middlebury, Indiana. She has two adult daughters and enjoys spending time with her family and traveling.
As a Registered Client Relationship Analyst, Jill provides dedicated service and operational support to the team’s clients. Drawing on her extensive industry, product and procedural knowledge, she helps address clients’ day-to-day needs and coordinates with the team to deliver a seamless, high-quality experience. Jill is committed to building strong client relationships and combines her experience with the broad resources of The Polaris One Group and Morgan Stanley.
Originally from Goshen, Jill lives in Middlebury, Indiana. She has two adult daughters and enjoys spending time with her family and traveling.
Contact Brian Guy
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Contact David B. Graham Jr.
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Contact Clayton Pyfer
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The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Kimberly Guidone
Private Banker
About Kimberly Guidone
Kimberly is a Private Banker serving Morgan Stanley Wealth Management offices in Indiana and Illinois.
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.
Kimberly began her career in financial services in 1996 and joined Morgan Stanley in 2016. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch. She also served as an Investment Relationship Manager with Key Investment Services and a Financial Advisor at Thrivent Financial.
Kimberly is a graduate of Wright State University where she received a Bachelor of Arts degree in Psychology. Outside of the office, Kimberly spends time with her family enjoying hiking, camping, and other outdoor activities.
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.
Kimberly began her career in financial services in 1996 and joined Morgan Stanley in 2016. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch. She also served as an Investment Relationship Manager with Key Investment Services and a Financial Advisor at Thrivent Financial.
Kimberly is a graduate of Wright State University where she received a Bachelor of Arts degree in Psychology. Outside of the office, Kimberly spends time with her family enjoying hiking, camping, and other outdoor activities.
NMLS#: 619678
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
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact The Polaris One Group today.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Morgan 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.
5Products 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.
6Morgan 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
7Alternative 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.
8When 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.
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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Morgan 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.
5Products 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.
6Morgan 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
7Alternative 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.
8When 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.
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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
