Michael Fay Jr., CIMA®, CFP®
Senior Vice President, Financial Advisor, Alternative Investments Director, Family Wealth Advisor, Lending Specialist
Phone:
(703) 556-8120(703) 556-8120
The QUAD Capitas Group at Morgan Stanley
Direct:
(703) 556-8127(703) 556-8127
Toll-Free:
(800) 488-4380(800) 488-4380
Our Mission Statement
Creating intelligent wealth management strategies to help clients preserve and grow capital.
The QUAD Capitas Group
The QUAD Capitas Group offers the resources and flexibility to provide you with personalized financial planning.
As your family grows and your wealth increases, you may face more subtle and profound wealth management issues. As the demands of your family grow and evolve, you will likely need Advisors who have expanded their capabilities.
Our process is driven by personalized financial planning and includes investment management, retirement planning, risk management, liabilities and cash flow, educational planning and philanthropy. Our process is designed to help ensure that our clients never outgrow our process- they grow into it, as their lives unfold and needs evolve.
As you prepare for a variety of critical financial events, such as planning for retirement, selling a business, receiving an inheritance, buying a recreational property or proactively planning for their legacy, our resources and experience can help you prepare for such events, so that you can achieve your financial and lifestyle goals.
2024 and 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024, 2025) Data compiled by SHOOK Research LLC based for the period 3/31/22–3/31/24.
Awards Disclosures
https://www.morganstanley.com/disclosures/awards-disclosure/
As your family grows and your wealth increases, you may face more subtle and profound wealth management issues. As the demands of your family grow and evolve, you will likely need Advisors who have expanded their capabilities.
Our process is driven by personalized financial planning and includes investment management, retirement planning, risk management, liabilities and cash flow, educational planning and philanthropy. Our process is designed to help ensure that our clients never outgrow our process- they grow into it, as their lives unfold and needs evolve.
As you prepare for a variety of critical financial events, such as planning for retirement, selling a business, receiving an inheritance, buying a recreational property or proactively planning for their legacy, our resources and experience can help you prepare for such events, so that you can achieve your financial and lifestyle goals.
2024 and 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024, 2025) Data compiled by SHOOK Research LLC based for the period 3/31/22–3/31/24.
Awards Disclosures
https://www.morganstanley.com/disclosures/awards-disclosure/
Services Include
- Wealth ManagementFootnote1
- Alternative InvestmentsFootnote2
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Financial PlanningFootnote5
- Executive Financial ServicesFootnote6
- 529 PlansFootnote7
- Wealth PlanningFootnote8
- Cash ManagementFootnote9
- Lending Products
- Life InsuranceFootnote10
- Long Term Care InsuranceFootnote11
- 401(k) Rollovers
- Stock Plan ServicesFootnote12
- Stock Option PlansFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With Us
We provide comprehensive financial planning in the context of a long-term relationship with you. Through our experience we have learned it is important that everyone is clear on what to expect if we are to develop and maintain a successful working relationship – one where we can help you achieve your financial and lifestyle goals.
You can expect that we will consistently and responsibly perform all services related to the provision, review and ongoing monitoring of the financial planning solutions we implement on your behalf.
You can expect that we will consistently and responsibly perform all services related to the provision, review and ongoing monitoring of the financial planning solutions we implement on your behalf.
WE WILL ALWAYS:
- Strive to acquire and maintain a thorough understanding of your financial goals.
- Update your current financial information on a regular basis.
- Carefully assess and monitor your investment risk and time-frame.
- Explain the implications of all recommended financial planning strategies and gladly answer any questions you may have.
- Update you as and when appropriate by email, mail and phone.
- Meet with you regularly to review your Personal Financial Organizer (PFO).
- Act as your primary Financial Advisor, coordinating the efforts of other related professionals as and when required.
- Treat you with utmost respect and professionalism.
Who Are Our Clients: Common Situations We Help With
- Successful families, entrepreneurs, and executives from a wide range of backgrounds, many of whom have pivotal roles in dynamic industries on the East Coast such as technology, health care, and finance.
- Technology entrepreneurs preparing for an IPO of their company.
- Owner of a closely held business planning to sell.
- Executives with complex stock option plans and/or compliance in heavily regulated industries.
- A Doctor running a private practice or heading a departments within a hospital system.
A FINANCIAL PLAN MADE FOR YOU
Our wealth management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan.
Using a suite of tools that includes goal-specific analysis, we can work with you to help create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help pursue and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Using a suite of tools that includes goal-specific analysis, we can work with you to help create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help pursue and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Alternative Investments
Our leading alternatives platform offers 160+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Learn More
Estate Planning Strategies
Regardless of your current financial circumstances, it is crucial to have a backup plan for your money. We regularly review your finances with you and coordinate with your estate attorney to help ensure that your wishes are met in the most efficient and cost-effective way possible.
Learn More
Equity Compensation
Executives today are increasingly compensated with stock or stock options. A benefit of receiving stock or stock options is that they allow the employee to share in the growth of the company without making a current investment (by purchasing stock or exercising options). However, exercising stock options presents a number of difficult- and sometimes divergent- choices.
Learn More
Long-Term Care Insurance
Long-term care insurance helps to pay the cost of a broad range of personal and custodial care services an individual may need over an extended period of time. Here is some information about the costs of long-term care and the potential benefits of investing in a long-term care insurance policy. We will work with you to determine the best strategy for you.
Learn More
Retirement
Leading up to and through retirement, we will help you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to pursue for financial goals. We will work with you to make sure that you understand the features and benefits of all the options available to you.
Learn MoreVALUABLE TOOLS AND RESOURCES
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. As a result, we are committed to providing you with important information to help you manage your wealth more effectively.
GIC 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
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest Report
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Enroll In Total Wealth View
Competent Cash Management
Cash management is just as important as understanding the portfolio that is being built for you. As a Morgan Stanley client, you have access to a comprehensive suite of cash management solutions.
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A $695 Annual Engagement Bonus
For eligible Platinum CashPlus brokerage account clients with The Platinum Card® from American Express, exclusively for Morgan Stanley. Certain Morgan Stanley Debit Cardholders may also qualify. Terms apply.
Click Here to Learn MoreLocation
1650 Tysons Blvd
Suite 1000
McLean, VA 22102
US
Direct:
(703) 556-8127(703) 556-8127
Toll-Free:
(800) 488-4380(800) 488-4380
Meet The QUAD Capitas Group
Michael Wilden, CLU®, CFP®
Senior Vice President, Wealth Management, Financial Advisor, Alternative Investments Director, Family Wealth Advisor, Lending Specialist
Phone:
(703) 556-8121(703) 556-8121
Vice President, Financial Advisor, Workplace Advisor - Equity Compensation, Alternative Investments Director
Phone:
(703) 556-6370(703) 556-6370
Phone:
(703) 556-8125(703) 556-8125
Kristen Colananni
Senior Client Service Associate
Phone:
(703) 556-8127(703) 556-8127
Claire Swayze
Client Service Associate
Phone:
(703) 556-8126(703) 556-8126
About Michael Fay Jr.
Michael J. Fay Jr. is a Senior Vice President, Financial Advisor, and Certified Financial Planner® with The QUAD Capitas Group at Morgan Stanley. With 28 years of experience in the financial services industry, Michael focuses on crafting customized asset allocation strategies and comprehensive financial plans to help clients reach their unique goals.
Michael received his B.S. in Finance from West Virginia University and has been with Morgan Stanley since 1998. Always refining his education and skills, Michael received his Certified Investment Management Analyst® (CIMA®) designation from the Wharton School at the University of Pennsylvania in 2006. He followed that with his designation as a Certified Financial Planner™ (CFP®) from the American College of Financial Services in 2007. Additionally, he was named as a 2024 Forbes Best-In-State Wealth Advisor.
With nearly three decades of experience, Michael is committed to providing his clients with the most up-to-date skills and analysis. The CIMA® certification certifies that he has completed a rigorous process to achieve a high level of competency, professionalism, and investment acumen. As a Certified Financial Planner™, Michael brings the highest standard of ethics and responsibility to his practice. With these skills and philosophy, Michael’s goal is to help clients meet their financial objectives today, tomorrow, and for generations to come.
Michael is a member of the Investment Management Consultants Association and the Certified Financial PlannerTM Certificants of North America. He is also active in the West Virginia University Alumni Association. With his wife Jennifer, he enjoys traveling, golf, and playing sports with their six children. Michael lives in Leesburg, Virginia.
2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
Michael received his B.S. in Finance from West Virginia University and has been with Morgan Stanley since 1998. Always refining his education and skills, Michael received his Certified Investment Management Analyst® (CIMA®) designation from the Wharton School at the University of Pennsylvania in 2006. He followed that with his designation as a Certified Financial Planner™ (CFP®) from the American College of Financial Services in 2007. Additionally, he was named as a 2024 Forbes Best-In-State Wealth Advisor.
With nearly three decades of experience, Michael is committed to providing his clients with the most up-to-date skills and analysis. The CIMA® certification certifies that he has completed a rigorous process to achieve a high level of competency, professionalism, and investment acumen. As a Certified Financial Planner™, Michael brings the highest standard of ethics and responsibility to his practice. With these skills and philosophy, Michael’s goal is to help clients meet their financial objectives today, tomorrow, and for generations to come.
Michael is a member of the Investment Management Consultants Association and the Certified Financial PlannerTM Certificants of North America. He is also active in the West Virginia University Alumni Association. With his wife Jennifer, he enjoys traveling, golf, and playing sports with their six children. Michael lives in Leesburg, Virginia.
2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
Securities Agent: MO, VT, TN, PA, NJ, NH, MI, CO, VA, TX, IN, DE, MD, IA, VI, SC, NE, RI, NV, KY, IL, CT, AZ, AK, WA, OR, OH, MA, KS, UT, NY, OK, MN, FL, CA, WV, DC, NC, ME, LA, GA, AL; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1285075
NMLS#: 1285075
About Michael Wilden
Michael J. Wilden is a Senior Vice President and Financial Advisor with The QUAD Capitas Group at Morgan Stanley. With over 30 years of experience in the financial services industry, Mike concentrates on utilizing personalized and holistic wealth management strategies in estate and financial planning strategies.
Attending college on a basketball scholarship, Mike graduated from Saint Anselm College with a B.A. in Financial Economics. Driven by his passion for following the stock market, he then began his career in finance as a Financial Advisor and Branch Manager at Quick & Reilly, Inc., in 1993. In 2001, he moved to Morgan Stanley. Working with 1st to now 3rd generation families and being able to go through major life events with them is especially rewarding for Mike, who takes a family-oriented approach. He strives to deeply understand each of his clients and their families to develop a customized comprehensive financial plan to meet their unique personal goals.
Mike has sought advanced certifications in his field to enhance the depth and breadth of skill and knowledge he offers his clients. He is both a Certified Financial Planner™ (CFP®) and a Chartered Life Underwriter® (CLU®). He is also an Alternative Investments Director, giving him special expertise in Private Equity, Private Credit and Hedge Funds. Additionally, he was recognized as a 2024 Forbes Best-In-State Wealth Advisor.
Mike is a member of the Certified Financial Planner™ Certificants of North America and the NCAA Athletes in the Workspace and Networking Group. He is a member of the Sachem High School Alumni Association, the Saint Anselm College Alumni Association, and Quick & Reilly, Inc., Alumni. A resident of Ashburn, Virginia, he enjoys golfing and spending time with his wife and two children.
2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
Attending college on a basketball scholarship, Mike graduated from Saint Anselm College with a B.A. in Financial Economics. Driven by his passion for following the stock market, he then began his career in finance as a Financial Advisor and Branch Manager at Quick & Reilly, Inc., in 1993. In 2001, he moved to Morgan Stanley. Working with 1st to now 3rd generation families and being able to go through major life events with them is especially rewarding for Mike, who takes a family-oriented approach. He strives to deeply understand each of his clients and their families to develop a customized comprehensive financial plan to meet their unique personal goals.
Mike has sought advanced certifications in his field to enhance the depth and breadth of skill and knowledge he offers his clients. He is both a Certified Financial Planner™ (CFP®) and a Chartered Life Underwriter® (CLU®). He is also an Alternative Investments Director, giving him special expertise in Private Equity, Private Credit and Hedge Funds. Additionally, he was recognized as a 2024 Forbes Best-In-State Wealth Advisor.
Mike is a member of the Certified Financial Planner™ Certificants of North America and the NCAA Athletes in the Workspace and Networking Group. He is a member of the Sachem High School Alumni Association, the Saint Anselm College Alumni Association, and Quick & Reilly, Inc., Alumni. A resident of Ashburn, Virginia, he enjoys golfing and spending time with his wife and two children.
2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
Securities Agent: LA, DE, WA, MN, SC, KY, AZ, TN, RI, OR, NH, FL, TX, MD, AK, VI, ME, IN, IA, GA, DC, CO, OH, MI, IL, VT, CT, WV, VA, NV, NJ, NE, MA, KS, AL, PA, NY, NC, MO, CA, UT; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255297
NMLS#: 1255297
About Michael Zoskey
Michael Zoskey is a Vice President and Financial Advisor with The QUAD Capitas Group at Morgan Stanley. Prior to joining Morgan Stanley in 2018, Mike spent several years at Cambridge Associates where he worked with large, sophisticated institutional investors. After a few years of working with institutions, Mike wanted to apply this approach and skill set to individuals. Thus, he moved to Morgan Stanley and began managing the assets of families across multiple generations.
Mike understands that his clients’ financial objectives frequently extend beyond their own lifetimes, so he takes a multi-generational approach to his advice and portfolio construction. Rather than a traditional portfolio with time horizons based on a single person’s life, Mike takes a more long-term focused, dynamic approach and constructs his clients’ portfolios to resemble those of an endowment or foundation. Mike especially enjoys the early stages of a new client relationship where there is great emphasis on the financial planning process and education about a large variety investment vehicles.
A graduate of James Madison University, Mike currently resides in Leesburg, VA with his wife and two daughters. Mike has experience on the Board for the Foundation of The Arc of Northern Virginia, where he assisted with the management of pooled trust services and foundation assets. He is also an avid golfer and plays in many tournaments. When not on a golf course, Mike enjoys fishing, camping, and hiking.
Mike understands that his clients’ financial objectives frequently extend beyond their own lifetimes, so he takes a multi-generational approach to his advice and portfolio construction. Rather than a traditional portfolio with time horizons based on a single person’s life, Mike takes a more long-term focused, dynamic approach and constructs his clients’ portfolios to resemble those of an endowment or foundation. Mike especially enjoys the early stages of a new client relationship where there is great emphasis on the financial planning process and education about a large variety investment vehicles.
A graduate of James Madison University, Mike currently resides in Leesburg, VA with his wife and two daughters. Mike has experience on the Board for the Foundation of The Arc of Northern Virginia, where he assisted with the management of pooled trust services and foundation assets. He is also an avid golfer and plays in many tournaments. When not on a golf course, Mike enjoys fishing, camping, and hiking.
Securities Agent: MO, MA, KY, DC, NV, WV, RI, PA, KS, AZ, VA, OR, NJ, MD, AK, IA, OH, CT, AL, WA, TX, NY, NC, IL, UT, NM, WI, VT, MI, ME, LA, GA, DE, CA, TN, SC, MN, IN, FL, CO, VI, NH, NE; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1841088
NMLS#: 1841088
About Justin Scott
Securities Agent: AK, VT, TN, PA, MD, LA, SC, MN, TX, NM, NJ, NC, GA, CA, MA, IL, HI, DC, VI, NE, MI, KY, FL, CT, AL, OR, OH, AR, WI, WA, ME, IA, AZ, WV, VA, NV, KS, IN, CO, NY, NH, MO, UT, RI, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 2620594
NMLS#: 2620594
About Claire Swayze
Claire is a Client Service Associate and proud member of The Quad Capitas Group at Morgan Stanley. Her career in the financial services industry began in 2017. In years since, she has worked hard to combine her strong interpersonal skills and customer service experience with financial expertise to provide clients with a positive, pleasant experience that gives them the results they seek.
Claire is a graduate of Virginia Commonwealth University, where she earned her Bachelor of Humanities and Sciences degree and received certification in Spanish Translation and Interpretation. When not connecting with clients and guiding them to financial freedom, Claire enjoys spending time with her rescue dog in Arlington, Virginia.
Claire is a graduate of Virginia Commonwealth University, where she earned her Bachelor of Humanities and Sciences degree and received certification in Spanish Translation and Interpretation. When not connecting with clients and guiding them to financial freedom, Claire enjoys spending time with her rescue dog in Arlington, Virginia.
Contact Michael Fay Jr.
Contact Michael Wilden
Contact Michael Zoskey
Contact Justin Scott
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
Jessie Ledesma
Planning Associate
About Jessie Ledesma
Jessie Ledesma is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Jessie provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Bernard Baruch College and received the Financial Planning Specialist® designation from the College for Financial Planning. Jessie is originally from Nassau County, New York and currently resides in New York City.
He earned his undergraduate degree from Bernard Baruch College and received the Financial Planning Specialist® designation from the College for Financial Planning. Jessie is originally from Nassau County, New York and currently resides in New York City.
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
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
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
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
Donor Advised Funds: A Smart Way to Manage Your Giving
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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 QUAD Capitas Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
8Morgan 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.
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.
9Morgan 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
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.
12Morgan 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.
13Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
8Morgan 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.
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.
9Morgan 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
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.
12Morgan 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.
13Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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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
CRC 6491812 (04/2024)
