Erik Pulley
Managing Director, Financial Advisor, Senior Portfolio Management Director, Family Wealth Director, Workplace Advisor - Equity Compensation
Phone:
(510) 891-5250(510) 891-5250
The Pulley Group at Morgan Stanley
Direct:
(510) 891-5250(510) 891-5250
Toll-Free:
(800) 755-1579(800) 755-1579
Industry Award WinnerOur Mission Statement
The Pulley Group at Morgan Stanley offers guidance, strategies and answers throughout all phases of life's financial milestones. We strive to provide you and your family with clarity in the midst of complexity, while remaining focused on your most important goal: the security and protection of your financial future. Our success is based on meeting and exceeding your expectations.
Welcome
For over three decades, The Pulley Group at Morgan Stanley* has guided clients through the challenging process of planning for their retirement. We are a trusted and established wealth management team that offers impartial strategies, thorough recommendations and exceptional client service. We strive to help you simplify your financial life while remaining focused on the most important goal: the security and protection of your financial future. Our success is based on exceeding your expectations.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
The Pulley Group at Morgan Stanley is a partnership of four qualified professionals who are dedicated to helping manage your wealth. Our group structure helps ensure that you will receive consistent and dependable service from a team of trusted professionals. Each member’s responsibilities are designated to address the on-going business functions of operations, investments, research, financial planning, and marketing. We believe that a proactive, well-structured approach towards asset management is crucial for providing a successful financial plan. The Pulley Group at Morgan Stanley will help you design a financial “blueprint” for achieving your family’s immediate, on-going, and future goals. While The Pulley Group may have different roles in your wealth management process, we all share the same commitment: to provide our clients with outstanding support, service, and advice.
1. Intro Call
We begin with an introduction call to assess your interests and determine how we can be of assistance. As we discuss and explore your unique situation, we typically uncover items that might mandate additional review.
2. Get to Know You Meeting
After our initial dialog on the telephone, our next step is to understand you and your families dynamics, define your priorities moving forward, and review documents you have prepared.
3. Plan Creation
In this step we take into consideration all of your concerns, goals, and unique circumstances to put together a plan specifically tailored for you that will help you grow, preserve, and transfer your wealth to the next generation.
4. Implementation & Ongoing Service
After creating a comprehensive plan that is dynamic to your goals, we will begin implementing the plan. From there, we will be committed to continuous service, updating the plan as you and your life changes.
Experience
The Pulley Group has decades of experience of working with clients and helping them achieve their financial goals. Here are a few examples of expertise that The Pulley Group has integrated with clients for decades:
401k Rollovers
Rolling over a 401k to an IRA can seem like an intimidating process, but we have been helping clients with this for years. We will help ensure your rollover is going to make the most sense for you and your financial situation.
Financial Planning
Life is constantly changing, and creating a financial plan that is uniquely yours is important in minimizing the impact of future events that may have a significant affect on your life plans.
Portfolio Management
While there is no secret formula to choosing and managing investments, a methodological, long-term approach, allows us to grasp a comprehensive view of your financial situations to make recommendations that are the best fit for you. We manage your retirement accounts and other investments based on your appropriate level with risk and your current tax circumstances, tailoring your financial strategy to your unique situation, needs, and goals.
Multi-Generational Wealth Transfer
Regardless of your current financial circumstances, it is crucial to have a backup plan for your money in case something happens to you. We will help ensure the transfer of wealth to your future generations goes as planned and is as easy as possible for everyone. We will continuously review this to make sure that the transfer is as efficient and cost-effective as possible.
529 Plans
As college tuitions continue to rise, it is important to start saving for education costs early. We will help you open a 529 plan and begin funding so your loved ones can afford the education they deserve.
Business Succession Planning
Transiting from owner to seller is a significant task that has many options. Whether a family business or a multiple owners, we are here to help ensure the transition of your business that you built is as easy as possible while exploring all of the options available.
Morgan Stanley's Retirement Standard Committee
Erik is a proud panel member of this committee.
Morgan Stanley's Chairman Council
Erik is a proud member of this council.
Forbes' Forbes Best-In-State Wealth Management Teams 2025
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
Forbes' Forbes Best-In-State Wealth Management Teams 2024
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23.
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23.
Forbes Best-In-State Wealth Advisors 2024
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC for the period 6/30/22 - 6/30/23.
Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC for the period 6/30/22 - 6/30/23.
Forbes' Forbes Best-In-State Wealth Management Teams 2023
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Forbes Best-In-State Wealth Advisors 2023
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Forbes Best-In-State Wealth Advisors 2022
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Forbes Best-In-State Wealth Advisors 2021
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Feb 2021) Data compiled by SHOOK Research LLC based on time period from 6/30/19 - 6/30/20.
Source: Forbes.com (Awarded Feb 2021) Data compiled by SHOOK Research LLC based on time period from 6/30/19 - 6/30/20.
Forbes Best-In-State Wealth Advisors 2020
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Jan 2020) Data compiled by SHOOK Research LLC based on time period from 6/30/18 - 6/30/19.
Source: Forbes.com (Awarded Jan 2020) Data compiled by SHOOK Research LLC based on time period from 6/30/18 - 6/30/19.
Forbes Best-In-State Wealth Advisors 2019
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Feb 2019) Data compiled by SHOOK Research LLC based on time period from 6/30/17 - 6/30/18.
Source: Forbes.com (Awarded Feb 2019) Data compiled by SHOOK Research LLC based on time period from 6/30/17 - 6/30/18.
GIC Monthly
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape.
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Wealth and Estate Planning Series
Explore a series of educational videos covering topics such as Foundational Estate Planning Documents, Estate & Gift Taxes, Grantor Retained Annuity Trusts (GRATs), Irrevocable Life Insurance Trusts and more.
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The Power of Financial Planning: A Road Map to Achieving Goals with Confidence
Financial planning is more than just investing. Tailored to your unique circumstances, a financial plan evolves with life’s changes to help keep you on track. It creates a road map to help you achieve your short- and long-term goals and to make data-driven decisions that reflect your priorities. Our research confirms that those with a financial plan experience healthier financial and mental well-being.
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1999 Harrison St
Suite 2200
Oakland, CA 94612
US
Direct:
(510) 891-5250(510) 891-5250
Toll-Free:
(800) 755-1579(800) 755-1579
Meet The Pulley Group
John W Pulley
Senior Vice President, Financial Advisor, Investment Management Specialist
Phone:
(510) 891-5251(510) 891-5251
Patrick McGinty, CFP®, CIMA®
Financial Advisor
Phone:
(510) 891-0522(510) 891-0522
Robin Ross
Vice President, Business Development Associate, Financial Planning Specialist
Phone:
(510) 891-5253(510) 891-5253
Jill Vonhof
Vice President, Wealth Management Associate
Phone:
(510) 891-5254(510) 891-5254
About Erik Pulley
After earning his degree at the University of Arizona, Erik began his career in finance with The Pulley Group at Morgan Stanley in 1997. For over two decades, Erik’s practice has focused exclusively on individuals and families with significant wealth, with the majority being former Chevron employees. His experience managing retirement assets through tumultuous market cycles has given him a vast knowledge of retirement income strategies. His extensive understanding of qualified plan distribution options, executive plans, and deferred compensation makes him well positioned to guide clients through all stages of the retirement planning process.
Erik’s responsibilities include investment management and research, comprehensive wealth planning, and marketing efforts for The Pulley Group. By leveraging the research capabilities of Morgan Stanley’s Global Investment Committee, Erik is able to deliver a comprehensive, repeatable investment process that is uniquely tailored to each individual client’s needs. In recognition of his accomplishments, Erik has been appointed to Morgan Stanley’s President’s Council for Financial Advisors.
Erik currently resides in Hillsborough with his three children, Taylor, Trevor, and Chase. In his spare time, he enjoys fly fishing, snowboarding, hiking, traveling, and spending time with his children.
Erik’s responsibilities include investment management and research, comprehensive wealth planning, and marketing efforts for The Pulley Group. By leveraging the research capabilities of Morgan Stanley’s Global Investment Committee, Erik is able to deliver a comprehensive, repeatable investment process that is uniquely tailored to each individual client’s needs. In recognition of his accomplishments, Erik has been appointed to Morgan Stanley’s President’s Council for Financial Advisors.
Erik currently resides in Hillsborough with his three children, Taylor, Trevor, and Chase. In his spare time, he enjoys fly fishing, snowboarding, hiking, traveling, and spending time with his children.
Securities Agent: TN, IN, WY, SD, CT, AZ, LA, KY, ID, GA, OK, MN, TX, IL, CA, VA, SC, OH, NV, NH, FL, WA, NY, MI, HI, AL, OR, MD, DE, CO, NJ, NC, MA, AK, AR, UT, PA, MS; General Securities Representative; Investment Advisor Representative
NMLS#: 1297826
CA Insurance License #: 0C43633
NMLS#: 1297826
CA Insurance License #: 0C43633
About John W Pulley
John Pulley is the founder of The Pulley Group at Morgan Stanley. His tenure with Morgan Stanley and its predecessor firms spans nearly forty years, and he remains actively engaged and committed to advising retirees.
John’s background in the field of portfolio management is quite extensive. He was a partner with one of the largest firms in the United States focusing on retirement planning and counseling. As a former Vice President of American Express’ real estate division, he was twice recognized as the outstanding regional vice president of the year by two divisions of major Wall Street firms.
After nearly 50 years of financial industry experience, John contributes insightful market perspective to The Pulley Group. His primary role is to provide comprehensive investment advice to his clients, while maintaining valued relationships that have spanned decades.
John currently resides in San Mateo with his wife, Mary. He is an avid traveler and enjoys spending time with his six grandkids.
John’s background in the field of portfolio management is quite extensive. He was a partner with one of the largest firms in the United States focusing on retirement planning and counseling. As a former Vice President of American Express’ real estate division, he was twice recognized as the outstanding regional vice president of the year by two divisions of major Wall Street firms.
After nearly 50 years of financial industry experience, John contributes insightful market perspective to The Pulley Group. His primary role is to provide comprehensive investment advice to his clients, while maintaining valued relationships that have spanned decades.
John currently resides in San Mateo with his wife, Mary. He is an avid traveler and enjoys spending time with his six grandkids.
Securities Agent: AL, NJ, CO, WA, MI, UT, OK, OH, AR, MS, MN, MD, KY, HI, DE, CA, SD, OR, LA, GA, VA, NC, TX, TN, IL, ID, CT, SC, NV, IN, AK, NY, NH, MA, AZ, WY, PA, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1282946
CA Insurance License #: 0A11720
NMLS#: 1282946
CA Insurance License #: 0A11720
About Patrick McGinty
Patrick McGinty is an Investment Consultant at Morgan Stanley where he has a duel focus: retirement planning for family’s, and advising business owners on exit planning, treasury management and attracting top-tier talent.
Patrick earned his B.S. in Finance from Santa Clara University’s Leavey School of Business. He also holds the Certified Investment Management Analyst® (CIMA®) designation, completed through executive education at the University of Chicago Booth School of Business, and is currently pursuing his Certified Financial Planner™ (CFP®) certification through UC Berkeley.
Originally from Boulder, Colorado, Patrick relocated to the Bay Area during high school and graduated from Junípero Serra High School in San Mateo. After college, he began his career at First Republic Private Wealth Management, where he gained firsthand experience navigating client needs during the failure of a major financial institution.
Currently based in San Francisco, Patrick remains active in his community—volunteering with nonprofits in the natural foods space and supporting local homeless shelters. Outside of work, he enjoys motorsports, team sports, and spending quality time with family and friends.
Patrick earned his B.S. in Finance from Santa Clara University’s Leavey School of Business. He also holds the Certified Investment Management Analyst® (CIMA®) designation, completed through executive education at the University of Chicago Booth School of Business, and is currently pursuing his Certified Financial Planner™ (CFP®) certification through UC Berkeley.
Originally from Boulder, Colorado, Patrick relocated to the Bay Area during high school and graduated from Junípero Serra High School in San Mateo. After college, he began his career at First Republic Private Wealth Management, where he gained firsthand experience navigating client needs during the failure of a major financial institution.
Currently based in San Francisco, Patrick remains active in his community—volunteering with nonprofits in the natural foods space and supporting local homeless shelters. Outside of work, he enjoys motorsports, team sports, and spending quality time with family and friends.
Securities Agent: IL, CT, AL, WY, CO, VT, NM, ME, FL, CA, AR, NE, SC, OR, NY, NV, MN, HI, AK, NC, LA, AZ, NH, MT, MS, MO, MI, MA, KY, VA, TX, GA, UT, OK, NJ, DE, TN, PA, OH, MD, KS, ID, WA, SD, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 2855441
NMLS#: 2855441
About Robin Ross
Robin Ross has been a member of The Pulley Group since 1996, and has worked in the financial services industry for nearly three decades. She is FINRA series 7 and 63 licensed, has her California insurance license, and obtained the firm's Financial Planning Specialist designation in 2005.
Robin brings comprehensive knowledge of retirement planning issues to The Pulley Group. In addition to generating the customized financial plans, Robin works closely with Erik in helping new clients transition into retirement. Her responsibilities include researching rollover distribution strategies and business development.
In her spare time, Robin enjoys spending time with her family and two dogs, going to 49er football games, and is an avid amateur genealogist.
Robin brings comprehensive knowledge of retirement planning issues to The Pulley Group. In addition to generating the customized financial plans, Robin works closely with Erik in helping new clients transition into retirement. Her responsibilities include researching rollover distribution strategies and business development.
In her spare time, Robin enjoys spending time with her family and two dogs, going to 49er football games, and is an avid amateur genealogist.
CA Insurance License #: 0F79998
About Jill Vonhof
Jill Vonhof, an original member of The Pulley Group at Morgan Stanley, has been with Morgan Stanley and its predecessor firms since 1989. With over 40 years of experience in the industry, Jill currently holds her FINRA series 7, 63 licenses and her California insurance license. Formerly serving as an Operations Manager at Merrill Lynch, she currently manages daily operations and administration for our group.
When not at work, Jill enjoys exploring the great great outdoors and spending time with friends, family, and her dog, Jak. Jill has hiked Half Dome numerous times, competed in the Escape from Alcatraz Triathlon, made the daunting swim from Alcatraz to St. Francis Yacht Club twice, and ran in the See Jane Run Half Marathon'.
When not at work, Jill enjoys exploring the great great outdoors and spending time with friends, family, and her dog, Jak. Jill has hiked Half Dome numerous times, competed in the Escape from Alcatraz Triathlon, made the daunting swim from Alcatraz to St. Francis Yacht Club twice, and ran in the See Jane Run Half Marathon'.
CA Insurance License #: 0A81829
Contact Erik Pulley
Contact John W Pulley
Contact Patrick McGinty
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2023-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisors
2019-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2019-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
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Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Pulley 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.
1Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
2Morgan 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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.
8Morgan 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.
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
1Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
2Morgan 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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.
8Morgan 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.
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)
