Executive Director, Government Entity Specialist, Financial Planning Specialist, Senior Portfolio Management Director, Financial Advisor
Phone:
(610) 430-1081(610) 430-1081
The Rall Group at Morgan Stanley
Direct:
(610) 430-1081(610) 430-1081
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
The Rall Group at Morgan Stanley
Backed by the vast resources of a global leader, Morgan Stanley, our commitment to clients is based upon three core principles:
Experience, Collaboration, & Excellence
- We have over 60 years of combined financial industry experience.
- Our extensive industry experience has allowed us to develop time tested strategic financial solutions. Experience is the best teacher.
- We bring the strength of our team to you on every aspect of your financial well-being.
- Earning your trust & satisfaction is how we judge ourselves.
- When you partner with our team you gain access the global resources of Morgan Stanley.
- We use robust discovery and planning tools to strategically design a portfolio to improve your chances of financial success.
- We collaborate with accounting, legal and estate planning professional to round out the financial expertise necessary to meet your needs.
- We strive to address our clients priorities and create a legacy for generations.
- With the combined resources of Morgan Stanley and The Rall Group we can accommodate our client’s needs with demonstrated excellence.
Services Include
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Executive Financial ServicesFootnote3
- Financial PlanningFootnote4
- Cash Management and Lending ProductsFootnote5
- Stock Option PlansFootnote6
- Estate Planning StrategiesFootnote7
- Trust ServicesFootnote8
- Endowments and FoundationsFootnote9
- Philanthropic ManagementFootnote10
- Retirement PlanningFootnote11
- Qualified Retirement PlansFootnote12
- Business Succession PlanningFootnote13
- AnnuitiesFootnote14
- Art AdvisoryFootnote15
- Alternative InvestmentsFootnote16
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Category of One
The Rall Group at Morgan Stanley Client Experience - Services and Solutions We Deliver to Our Clients.
Financial Planning
Goals are personal, Wealth Management should be too.
Whatever it is you want to achieve, The Rall Group at Morgan Stanley is here to help. Working with us as your financial advisory team, paired with our technological advantages is they to insightful advice and a solid wealth plan. We will work with you to help you uncover your needs, manage risks, and build a customized plan to help you reach your financial goals.
Whatever it is you want to achieve, The Rall Group at Morgan Stanley is here to help. Working with us as your financial advisory team, paired with our technological advantages is they to insightful advice and a solid wealth plan. We will work with you to help you uncover your needs, manage risks, and build a customized plan to help you reach your financial goals.
Multi-generational Families
Our financial planning process for multi-generational familes is a rigorous analusis of your lifestyle, tax obligations, future gifting plans and portfolio objectives. This analysis drives our strategy as it pertains to financial and estate planning for wealth preservation, tax optimization, asset allocation and investment decisions. Throughout the entirety of the relationship, we can work closely with your attorneys and accountants.
Unique Portfolio Construction
With 28 years of combined experience, we know that every client is different, therefor, deserves a unique and customized portfolio that will complement their financial needs. By utilizing the firm's resources, current information, market familiarity, we can move away from generic models and create the individual plans our clients are accustomed to.
Business Owners
Here at Morgan Stanley, we understand the unique circumstances that arise from owning your own business. Working us can help set you and your business up for success by helping to make smart investment decisions that will impact your business in a positive way.
Tax and Estate Planning Strategies
Building, protecting and passing on a legacy involves much more than investing wisely. It requires careful analysis of your objectives, intelligent structuring of your assets and integrated, strategic planning and implementation.
The Rall Group will work with you and a Trust Specialist or other estate planning resources within Morgan Stanley to help you look at the options available and make the most sound decision.
The Rall Group will work with you and a Trust Specialist or other estate planning resources within Morgan Stanley to help you look at the options available and make the most sound decision.
Retirees
Developing a plan for retirement in essential. Working with an experienced advisor can help with making sure you are meeting your personal retirement needs. Retirement planning can be stressful, we are here to make this stressful process as easy as possible.
Corporate Retirement Plans
We work with companies to develop and manage their corporate retirement plans. Let us bring our experience and resources to the table and take the burden off of you.
Women & Wealth
Whether you are a single woman or mother, a divorcee or widow, or a happily married woman in charge of the finances, we want to assist you in education, resources and planning to help you navigate all things financial.
ENJOY LIFE THE WAY TOU ENVISIONED IT
Our client focus process consists of a multi-step deep understanding of our clients and their particular needs. We are committed to building relationships that inspire a level of confidence from our clients.
Step 1. Introduction
Completing a thorough analysis of your current portfolio allocation, risk level, fees, and return compared to the benchmark.
LiveView Intelligent Planning
LiveView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of one's financial life, including investments and cash management needs.
Step 2. Analysis
Discussing the findings of the analysis in conjunction with your goals and risk tolerance to determine a plan of action for your investments.
Total Tax 365
Total Tax 365 is our full spectrum of year-round active tax management solutions, tailored to help you minimize tax drag in your portfolio.
Step 3. Strategy
Building a custom-made portfolio and provide you education of investment strategy and products.
Aladdin - Intelligent Risk Management
Assessing our clients' full investment needs and risks is an essential component of providing comprehensive financial advice in portfolio construction.
Step 4. Continual Strategy Check-Ins
Checking in with you frequently to offer account updates and current firm articles and research.
Intelligent Withdrawals
Intelligent Withdrawal gives us the ability to look across multiple accounts and products to identify the right combination of securities and tax lots to sell so you can help meet spending needs while making the most out of your hard-earned money.
Step 5. The Ongoing Process
Composing your annual perfomance report and discuss past and current goals to adjust the portfolio accordingly.
Morgan Stanley Impact Quotient
The Morgan Stanley Impact Quotient application gives our clients new customizable insights into the social and environmental impact of their investment portfolios.
VALUABLE TOOLS AND RESOURCES
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources, which provide some helpful perspectives on the economy, capital markets, and Morgan Stanley.
Morgan Stanley Online (MSO)
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity. Features include paperless documents, bill pay and secure account management.
Thoughts on the Markets Podcast
With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Total Wealth View
With this service, you can view all your investments together – whether they are held at Morgan Stanley or elsewhere. When you add your external 401(k), as well as your checking, savings and brokerage accounts to this portal, all your assets will be in one place, providing a current and comprehensive view of your wealth.
GIC On the Markets
The latest edition of "On the Markets," a monthly collection of the most timely research and strategy from Morgan Stanley & Co., Morgan Stanley Wealth Management and external partners.
Digital Vault
The Digital Vault on Morgan Stanley Online allows you to build a centralized document library where all documents are stored using encryption.
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Morgan Stanley Ideas
Read our perspective on what's shaping the world today, and tomorrow. We cover topics ranging from health care, sustainability, macroeconomics and technology.
PROTECTING YOUR ONLINE SECURITY
Your security is our top priority. Morgan Stanley proactively defends our systems and monitors our digital landscapes to anticipate issues before they arise and respond appropriately if or when they do.
Cybersecurity Best Practices
- Safeguarding your personal information is one of our highest priorities
Security Features and Proactive Defense
- Multi-Factor Authentication (MFA)
- Alerts and Notifications
- Automatic Session Time Out
- VoiceID
- Fraud Detection and Prevention
- Digital Tools
- Cybersecurity Fusion Centers
- Threat Lanscape Monitoring
- Employee Training and Testing
Location
3803 West Chester Pike
Ste 200
Newtown Square, PA 19073
US
Direct:
(610) 430-1081(610) 430-1081
Meet The Rall Group
Phone:
(610) 430-1914(610) 430-1914
Alisa Levine
Senior Registered Client Service Associate
Phone:
(610) 430-1926(610) 430-1926
About Christopher Rall
Christopher C. Rall is an Executive Director, Financial Advisor with The Rall Group at Morgan Stanley.
Chris has been an investment professional in the financial services industry since 1995. He began his career with Prudential Securities prior to joining Morgan Stanley in 2006. His areas of focus are Asset Allocation, Risk Management, Investment Planning, Portfolio Management as well as Financial Planning. He strives to accomplish clients’ financial objectives by implementing personalized financial management solutions tailored to meet each client’s individual needs.
Chris’s professional designations include Financial Planning Specialist, Senior Portfolio Management Director, and Government Entity Specialist. He is also a multi-year member of the Century Club at Morgan Stanley. This distinction is given to Morgan Stanley Financial Advisors who demonstrate consistent exceptional service and value added to his client’s portfolios.
Chris received his M.B.A. from St. Joseph’s University, B.A. from The Pennsylvania State University and completed undergraduate business administration curriculum from The Wharton School of Business, University of Pennsylvania.
Throughout his life Chris has been physically active whether its wrestling and playing lacrosse in high school, mountain biking on the weekends, playing tennis and paddle tennis, working out at the gym, completing his black belt in Tang Soo Do martial arts or taking long walks with the family dog. Staying physically and mentally fit are important aspect to daily life for Chris.
Chris has lived in the western suburbs of Philadelphia since 1975. He is a veteran tour guide at The Philadelphia Museum of Art in addition to being a graduate of the fine arts program at The Barnes Foundation in Philadelphia. Another area of interest for Chris is his long-standing participation at The Philadelphia Committee on Foreign Relations. For over 25 years Chris has been an active member at Aronimink Golf Club where he enjoys trap shooting and dining with family and friends. Chris’ greatest joy comes from traveling with his wife Kristen and their two children Connor and Grace.
Chris has been an investment professional in the financial services industry since 1995. He began his career with Prudential Securities prior to joining Morgan Stanley in 2006. His areas of focus are Asset Allocation, Risk Management, Investment Planning, Portfolio Management as well as Financial Planning. He strives to accomplish clients’ financial objectives by implementing personalized financial management solutions tailored to meet each client’s individual needs.
Chris’s professional designations include Financial Planning Specialist, Senior Portfolio Management Director, and Government Entity Specialist. He is also a multi-year member of the Century Club at Morgan Stanley. This distinction is given to Morgan Stanley Financial Advisors who demonstrate consistent exceptional service and value added to his client’s portfolios.
Chris received his M.B.A. from St. Joseph’s University, B.A. from The Pennsylvania State University and completed undergraduate business administration curriculum from The Wharton School of Business, University of Pennsylvania.
Throughout his life Chris has been physically active whether its wrestling and playing lacrosse in high school, mountain biking on the weekends, playing tennis and paddle tennis, working out at the gym, completing his black belt in Tang Soo Do martial arts or taking long walks with the family dog. Staying physically and mentally fit are important aspect to daily life for Chris.
Chris has lived in the western suburbs of Philadelphia since 1975. He is a veteran tour guide at The Philadelphia Museum of Art in addition to being a graduate of the fine arts program at The Barnes Foundation in Philadelphia. Another area of interest for Chris is his long-standing participation at The Philadelphia Committee on Foreign Relations. For over 25 years Chris has been an active member at Aronimink Golf Club where he enjoys trap shooting and dining with family and friends. Chris’ greatest joy comes from traveling with his wife Kristen and their two children Connor and Grace.
Securities Agent: WA, PA, IL, IA, FL, AZ, VA, UT, OH, NV, GA, CT, CO, AL, WV, NC, MS, MA, CA, NJ, MT, SC, DE, WY, TN, RI, NM, MI, DC, PR, NY, NH, TX, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1376611
NMLS#: 1376611
About Hayden DuPont
Hayden DuPont is a Financial Advisor with Wealth Management for Morgan Stanley. He focuses on investment research and financial planning services. Hayden first began his career at Morgan Stanley in 2020 where he joined The Corcoran Ciarelli Group at Morgan Stanley, where he served as a PWM Associate for the team for 3 years. In 2023, Hayden partnered with Chris Rall where he began his practice under the new partnership. Together, they work with clients to define objectives such as time horizon, liquidity needs, return expectations, cash flow, and income requirements to cultivate unique and custom financial plans for each of their clients. Hayden currently holds Series 7 and 66 security licenses as well as those in health and life insurance.
Hayden graduated from Moravian University in Bethlehem, PA where he majored in Economics and Political Science. During his time at Moravian, Hayden was inducted into Omicron Delta Epsilon: International Economics Honor Society and Pi Sigma Alpha: National Political Science Honor Society. Hayden was also a member of the lacrosse team where he served as captain for 2 years.
Hayden and his wife Kiersten happily reside in Newtown Square, PA with their Black Lab Franklin. Hayden spends most of his spare time spending time with his family, taking Franklin on adventures and golfing with friends.
NMLS# 2583965
Hayden graduated from Moravian University in Bethlehem, PA where he majored in Economics and Political Science. During his time at Moravian, Hayden was inducted into Omicron Delta Epsilon: International Economics Honor Society and Pi Sigma Alpha: National Political Science Honor Society. Hayden was also a member of the lacrosse team where he served as captain for 2 years.
Hayden and his wife Kiersten happily reside in Newtown Square, PA with their Black Lab Franklin. Hayden spends most of his spare time spending time with his family, taking Franklin on adventures and golfing with friends.
NMLS# 2583965
Securities Agent: OR, CA, WV, IL, AL, WA, TN, SC, OH, MT, MA, DE, PA, MD, CO, VT, VA, UT, OK, DC, PR, NV, GA, NJ, AZ, AK, WY, NY, FL, TX, RI, HI, CT, MI, NM, NC, ME, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 2583965
NMLS#: 2583965
About Alisa Levine
I’m Alisa Levine, and I’m excited to be part of The Rall Group at Morgan Stanley. I work closely with our financial advisors and clients to help with account servicing, operational requests, and making sure everything runs smoothly behind the scenes. I enjoy being a resource for clients and helping create a seamless experience whenever possible. I hold my Series 7, Series 66 and SIE licenses along with a State Insurance license. Outside of work, I enjoy spending time with my family and enjoying the outdoors.
Contact Christopher Rall
Contact Hayden DuPont
Wealth Management
From Our Team
LifeView® Goal Analysis Client Questionnaire
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
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 Rall Group today.
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’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.
3Morgan 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.
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.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
8Morgan 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.
9Morgan 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.
10Products 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.
11When 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.
12When 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.
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.
14Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Products 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 does not assist with buying or selling art in any way and merely provides information to clients interested learning more about the different types of art markets at a high level. Any client interested in buying or selling art should consult with their own independent art advisor.
16Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
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.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
8Morgan 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.
9Morgan 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.
10Products 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.
11When 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.
12When 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.
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.
14Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)