Jonathan D Klein
Managing Director, Wealth Advisor, Portfolio Management Director, Corporate Retirement Director, Family Wealth Director, Insurance Planning Director, Workplace Advisor - Equity Compensation
Phone:
(212) 705-4523(212) 705-4523
The Regent Group at Morgan Stanley
Direct:
(212) 893-7649(212) 893-7649
Toll-Free:
(800) 627-0608(800) 627-0608
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals.
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You'll have access to some of the world's most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
As a testament to our service, The Regent Group has been recognized as Forbes Best-In-State Wealth Management Teams for 2024 and 2025.
Forbes Best-In-State Wealth Management Team: New York - NYC (High Net Worth)
2024, 2025, 2026 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024, 2025, & 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.
Jonathan Klein has also been recognized as a Forbes Best-In-State Wealth Advisor in New York - NYC (Private Wealth) for 2025.
2025 Forbes Best-In-State Wealth Advisors New York - NYC (Private Wealth)
2025 Forbes Best-In-State Wealth Advisors
Source: Forbes (Awarded April 2025). Data compiled by SHOOK Research LLC based for the period 6/30/23–6/30/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Trust ServicesFootnote4
- Cash Management and Lending ProductsFootnote5
- Philanthropic ManagementFootnote6
- 401(k) Rollovers
- Structured ProductsFootnote7
- Business Succession PlanningFootnote8
- Institutional ServicesFootnote9
- Corporate Retirement PlansFootnote10
- Executive Financial ServicesFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
As your family grows and your wealth expands, managing it becomes increasingly complex. With evolving family dynamics and greater financial responsibility, you may require professionals with broader expertise and more advanced capabilities.
Morgan Stanley Family Office Overview
We address the full spectrum of multigenerational wealth management. As your family and assets grow, more nuanced and sophisticated challenges often arise. Our Family Office services are designed to help you meet those challenges effectively.
Family Governance and Dynamics
For many ultra-high-net-worth families, the most difficult planning challenges are not financial but personal. Managing the human impact of wealth often involves addressing complex dynamics such as family values, communication, and legacy planning.
Wealth and Estate Planning
Our Wealth and Estate Planning Specialists work as virtual team members alongside your Financial Advisor. Together, they create customized strategies to preserve and transfer your wealth in alignment with your long-term goals.
Signature – Lifestyle Advisory
We provide access to trusted professionals who offer personalized support for your lifestyle needs. Whether you are seeking help with everyday matters or exceptional experiences, we can connect you with the right resources.
Philanthropy Management
We provide the insight, guidance, and tools needed to define your philanthropic goals and develop a thoughtful strategy for achieving them.
Insured Solutions
Many high-net-worth families benefit from integrated insurance strategies that support tax efficiency, wealth transfer, and charitable giving. We help you incorporate these solutions into your overall financial plan.
Trust Services
Our open-architecture trustee platform gives you access to a carefully selected network of third-party corporate trustees. Morgan Stanley Trust Specialists review your trust documents and objectives to recommend solutions that align with your needs.
Resource Center
Please find below links to client resources and market insights you may find useful as you familiarize yourself with the Morgan Stanley Wealth Management platforms.
We believe financial education leads to better insights into our investment strategy and discipline, and potentially lead to better long-term results. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
We believe financial education leads to better insights into our investment strategy and discipline, and potentially lead to better long-term results. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More about Morgan Stanley Online
Morgan Stanley CashPlus
Morgan Stanley CashPlus lets you access your cash from banks or tellers that accept Mastercard® and manage your cash on the go with Morgan Stanley Online and the Morgan Stanley Mobile App.
Learn More about CashPlus
Send Money with Zelle
Morgan Stanley Send Money with Zelle® allows you to send and receive money with almost anyone with a U.S. account using just an email address or U.S. mobile phone number, and the money is typically received in minutes.
Learn More about Zelle
Portfolio Risk Management
Our proprietary Portfolio Risk Platform leverages state of-the-art analytics to help identify various elements of risk in client portfolios, down to the security level, and model the potential impact of adjustments, before portfolio changes are made.
Learn More about Portfolio Risk Management
Total Wealth View
It’s hard to see the complete picture with only half the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
Learn More about Total Wealth View
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn More about Our Planning Tools
Global Investment Committee Weekly Research Report
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Global Investment Committee Weekly Research ReportThe Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
On The Markets Research Reports
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
On The Markets Research Reports
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Thoughts On The Market Podcast
Morgan Stanley Ideas Podcast
From the use of satellite data technology to solve some of the world's most complex problems, to learning how not to follow the crowd when making decisions, The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond. Click the link below for more information and to access a library of interesting content.
Morgan Stanley Ideas PodcastLocation
55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 893-7649(212) 893-7649
Toll-Free:
(800) 627-0608(800) 627-0608
Fax:
(347) 767-2550(347) 767-2550
Meet The Regent Group
Phone:
(212) 761-0033(212) 761-0033
Phone:
(212) 761-0034(212) 761-0034
Senior Vice President, Financial Advisor, Senior Portfolio Manager, Alternative Investments Director, Workplace Advisor - Equity Compensation
Phone:
(212) 893-7591(212) 893-7591
First Vice President, Financial Advisor, Portfolio Manager, Workplace Advisor - Equity Compensation
Phone:
(212) 551-7235(212) 551-7235
Jake Sauertig
Wealth Management Analyst
Phone:
(212) 551-7234(212) 551-7234
Rachael A. Carter
Portfolio Associate
Phone:
(212) 230-3511(212) 230-3511
About Jonathan D Klein
Jonathan is deeply committed to both growing and preserving capital through comprehensive strategies to help traverse today’s complex financial issues. Jonathan’s practice focuses on advising individuals and middle market business owners in the planning and implementation of wealth management strategies, retirement planning and estate planning strategies. Jonathan works with his clients to help build a comprehensive planning and investment process, with a regard for tax-management and risk management strategies.
Jonathan received his Qualified Plan Financial Consultant (QPFC) by the National Association of Plan Advisors (NAPA). This advanced designation helps enable Jonathan to address plan design considerations for his business owner clients and individual clients through custom strategies to help manage the benefit plans offered through their employers. Jonathan focuses on alternative investments and portfolio risk management.
At Morgan Stanley, Jonathan earned the designations of Portfolio Management Director, Insurance Planning Director, Workplace Advisor -- Equity Compensation, and Family Wealth Director. With the Family Wealth Director designation, he has access to leverage an extensive range of Family Office Resources to help develop tax management, risk management, and investment strategies for wealth accumulation, distribution, and transfer. He has been a member of Morgan Stanley’s Century Club three years in a row, from 2020-2022 and was also named to Morgan Stanley's Master's Club in 2024 and 2025. Jonathan has also been named Top Next-Gen Wealth Advisors Best-in-State for New York City by Forbes for three consecutive years, from 2022-2024. Jonathan's Team, The Regent Group at Morgan Stanley, has been named Forbes Best-In-State Wealth Management Teams for 2024, 2025, and 2026. Jonathan has also been recognized as a Forbes Best-In-State Wealth Advisor in New York - NYC (Private Wealth) for 2025.
2025 Forbes Best-In-State Wealth Advisors New York - NYC (Private Wealth)
2025 Forbes Best-In-State Wealth Advisors
[Source: Forbes (Awarded April 2025). Data compiled by SHOOK Research LLC based for the period 6/30/23–6/30/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025]
Forbes Best-In-State Wealth Management Team: New York - NYC (High Net Worth)
2024, 2025, 2026 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024, 2025, 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.
2022-2024 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2022-2024). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Jonathan received his Qualified Plan Financial Consultant (QPFC) by the National Association of Plan Advisors (NAPA). This advanced designation helps enable Jonathan to address plan design considerations for his business owner clients and individual clients through custom strategies to help manage the benefit plans offered through their employers. Jonathan focuses on alternative investments and portfolio risk management.
At Morgan Stanley, Jonathan earned the designations of Portfolio Management Director, Insurance Planning Director, Workplace Advisor -- Equity Compensation, and Family Wealth Director. With the Family Wealth Director designation, he has access to leverage an extensive range of Family Office Resources to help develop tax management, risk management, and investment strategies for wealth accumulation, distribution, and transfer. He has been a member of Morgan Stanley’s Century Club three years in a row, from 2020-2022 and was also named to Morgan Stanley's Master's Club in 2024 and 2025. Jonathan has also been named Top Next-Gen Wealth Advisors Best-in-State for New York City by Forbes for three consecutive years, from 2022-2024. Jonathan's Team, The Regent Group at Morgan Stanley, has been named Forbes Best-In-State Wealth Management Teams for 2024, 2025, and 2026. Jonathan has also been recognized as a Forbes Best-In-State Wealth Advisor in New York - NYC (Private Wealth) for 2025.
2025 Forbes Best-In-State Wealth Advisors New York - NYC (Private Wealth)
2025 Forbes Best-In-State Wealth Advisors
[Source: Forbes (Awarded April 2025). Data compiled by SHOOK Research LLC based for the period 6/30/23–6/30/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025]
Forbes Best-In-State Wealth Management Team: New York - NYC (High Net Worth)
2024, 2025, 2026 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024, 2025, 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.
2022-2024 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2022-2024). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Securities Agent: DE, NC, WY, WA, SC, NJ, NH, IL, IA, CT, UT, NM, MA, CA, VA, NE, LA, DC, TX, RI, ME, CO, KS, IN, HI, GA, VT, TN, MN, FL, MD, AZ, NV, MO, ID, PA, OR, NY, MI, SD, OH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1270069
CA Insurance License #: OM34412
NMLS#: 1270069
CA Insurance License #: OM34412
About Blake Davis
Growing up in Manhattan, attending high school and college in New England and drawing on over three decades of diverse financial services industry experience, Blake delivers comprehensive wealth management solutions to a select clientele of ultra high net worth families, individuals and their foundations. Blake focuses on attracting new clients and plays a central role in the team’s financial and tax-efficient planning process and takes the lead on providing clients with access to highly sophisticated lending and cash management solutions.
Blake returned to Morgan Stanley in 2021, where he had spent six years in institutional sales earlier in his career. He had previously served as a Senior Private Banker at JPMorgan Chase & Co. Blake has also held senior sales and marketing positions at Tocqueville Asset Management, Bridgehampton Capital Management, Cowen and Company and Cavoleph Partners, where he was also a co-founder.
Blake earned his B.A. in American History from Williams College, where he played varsity football. He is an avid golfer and loyal fan on the New York Rangers. Blake serves (or has served) on the board of Educational and Non-For Profit organizations in New York He lives in New York City with his wife, Eliza, and their three children, Blake Jr., Crosby, Natalie and their dog, Tootsie.
Blake returned to Morgan Stanley in 2021, where he had spent six years in institutional sales earlier in his career. He had previously served as a Senior Private Banker at JPMorgan Chase & Co. Blake has also held senior sales and marketing positions at Tocqueville Asset Management, Bridgehampton Capital Management, Cowen and Company and Cavoleph Partners, where he was also a co-founder.
Blake earned his B.A. in American History from Williams College, where he played varsity football. He is an avid golfer and loyal fan on the New York Rangers. Blake serves (or has served) on the board of Educational and Non-For Profit organizations in New York He lives in New York City with his wife, Eliza, and their three children, Blake Jr., Crosby, Natalie and their dog, Tootsie.
NMLS#: 2272352
About Brendan Johnson, MBA
Brendan Johnson is an Executive Director and Financial Advisor with The Regent Group at Morgan Stanley. He focuses on developing customized and tax-efficient wealth management solutions for C-Suite executives, families, entrepreneurs, foundations, and endowments across all asset classes - including equities, fixed income, and alternative investments.
Prior to joining Morgan Stanley in 2021, Brendan spent 11 years as a Global Investment Specialist at J.P. Morgan Private Bank. He worked closely with hedge fund principals, private equity sponsors, and other senior financial executives to address their highly sophisticated investing and risk management needs. Earlier in his career, he was part of the private client investment team at Bernstein Global Wealth Management. Brendan draws on his strong technical background to implement bespoke financial plans, integrating Capital Markets experience with complex Trust & Estate planning strategies.
Brendan began his career as a paralegal at Cravath, Swaine and Moore, L.L.P. before moving into financial services through a boutique investment bank in New York City. He holds an MBA in Finance and General Management from Columbia University and a B.A. in Political Science, with a dual minor in French and Economics from Middlebury College.
He lives in Larchmont, NY with his wife, Liz, their two children, Charlotte and Hudson, and their dog, Bogey. Outside of work Brendan is an avid golfer in between time spent volunteering at Grassroots Grocery and HOPE Food Kitchen, serving on the Board of Governors and committees for his country club and coaching his children’s basketball teams.
Prior to joining Morgan Stanley in 2021, Brendan spent 11 years as a Global Investment Specialist at J.P. Morgan Private Bank. He worked closely with hedge fund principals, private equity sponsors, and other senior financial executives to address their highly sophisticated investing and risk management needs. Earlier in his career, he was part of the private client investment team at Bernstein Global Wealth Management. Brendan draws on his strong technical background to implement bespoke financial plans, integrating Capital Markets experience with complex Trust & Estate planning strategies.
Brendan began his career as a paralegal at Cravath, Swaine and Moore, L.L.P. before moving into financial services through a boutique investment bank in New York City. He holds an MBA in Finance and General Management from Columbia University and a B.A. in Political Science, with a dual minor in French and Economics from Middlebury College.
He lives in Larchmont, NY with his wife, Liz, their two children, Charlotte and Hudson, and their dog, Bogey. Outside of work Brendan is an avid golfer in between time spent volunteering at Grassroots Grocery and HOPE Food Kitchen, serving on the Board of Governors and committees for his country club and coaching his children’s basketball teams.
NMLS#: 837213
About Andrew Lask, MBA
Andrew J Lask Jr. is a First Vice President, Alternative Investments Director, Senior Portfolio Manager and Financial Advisor with Morgan Stanley Wealth Management. He joined the firm in 2014 and achieved his Chartered Retirement Planning Counselor certification in 2017.
Andrew received his MBA from the Lundy-Fetterman School of Business at Campbell University in North Carolina, where he competed on the NCAA Division I golf team. Andrew furthered his education at New York University, School of Professional Studies in Portfolio Management and Financial Analysis. Andrew also attended classes with the College for Financial Planning.
Furthermore, he is a former golf professional and member of the PGA of America. Andrew serves on the Board of Director’s for the American Heart Association – Young Professionals of NYC. Andrew resides in Manhattan with his wife Cecilie.
Andrew's Team, The Regent Group at Morgan Stanley, has been named Forbes Best-In-State Wealth Management Teams for 2024 and 2025.
Forbes Best-In-State Wealth Management Team: New York - NYC (High Net Worth)
2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024 & 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Andrew received his MBA from the Lundy-Fetterman School of Business at Campbell University in North Carolina, where he competed on the NCAA Division I golf team. Andrew furthered his education at New York University, School of Professional Studies in Portfolio Management and Financial Analysis. Andrew also attended classes with the College for Financial Planning.
Furthermore, he is a former golf professional and member of the PGA of America. Andrew serves on the Board of Director’s for the American Heart Association – Young Professionals of NYC. Andrew resides in Manhattan with his wife Cecilie.
Andrew's Team, The Regent Group at Morgan Stanley, has been named Forbes Best-In-State Wealth Management Teams for 2024 and 2025.
Forbes Best-In-State Wealth Management Team: New York - NYC (High Net Worth)
2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024 & 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Securities Agent: IN, HI, KY, VA, TX, KS, GA, CO, SC, OH, MO, MA, LA, IL, AL, WA, NJ, MI, ME, IA, DC, WY, NH, CT, RI, NY, FL, TN, SD, PA, MN, AZ, ID, UT, OR, VT, NE, MS, MD, DE, CA, NV, NM, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 1290590
NMLS#: 1290590
About Vik Parmar
Raised in New Jersey as a first-generation born Indian American, Vik Parmar, CFA, CFP® developed a strong appreciation for family values, discipline, and the importance of planning for the future. His background offers a unique lens into how personal experiences and cultural perspectives shape financial priorities and decision-making – an understanding he brings to every client relationship. At Morgan Stanley, Vik combines this perspective with deep technical expertise and the strength of a world-class platform to help individuals and families navigate life’s financial complexities with clarity and confidence.
He holds the Chartered Financial Analyst (CFA) and Certified Financial Planner (CFP®) designations – credentials that reflect a unique blend of investment acumen and comprehensive financial planning knowledge. His work integrates evidence-based investment management with planning strategies across retirement, tax-efficiency, estate, and risk management. By leveraging Morgan Stanley’s global research, intellectual capital, and firm-specific opportunities, he is able to deliver insights and solutions that are tailored, forward-thinking, and grounded in institutional excellence.
Prior to joining Morgan Stanley in 2018, Vik worked as an equity research analyst at S&P Global where he covered the technology sector. His research has been cited by Barron’s and Investopedia. Earlier in his career, he was part of the Business Valuations Group at Crowe, where he developed a strong foundation in how companies are operated and valued – experience that now informs his work with entrepreneurs and executives navigating growth, succession, and liquidity planning.
He earned a Bachelor of Science in Economics from Penn State University, where he was also a student-athlete. Vik was named an All-American Collegiate Boxer and placed runner-up at the NCBA Nationals.
From 2021 through 2024, Vik has been recognized as a member of Morgan Stanley’s Pacesetter’s Club, which honors the firm’s top Financial Advisors for excellence. His team, the Regent Group, was also named on of Forbes’ Best-In-State Wealth Management Teams for both 2024 and 2025.
Forbes Best-In-State Wealth Management Team: New York - NYC (High Net Worth)
2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024 & 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
He holds the Chartered Financial Analyst (CFA) and Certified Financial Planner (CFP®) designations – credentials that reflect a unique blend of investment acumen and comprehensive financial planning knowledge. His work integrates evidence-based investment management with planning strategies across retirement, tax-efficiency, estate, and risk management. By leveraging Morgan Stanley’s global research, intellectual capital, and firm-specific opportunities, he is able to deliver insights and solutions that are tailored, forward-thinking, and grounded in institutional excellence.
Prior to joining Morgan Stanley in 2018, Vik worked as an equity research analyst at S&P Global where he covered the technology sector. His research has been cited by Barron’s and Investopedia. Earlier in his career, he was part of the Business Valuations Group at Crowe, where he developed a strong foundation in how companies are operated and valued – experience that now informs his work with entrepreneurs and executives navigating growth, succession, and liquidity planning.
He earned a Bachelor of Science in Economics from Penn State University, where he was also a student-athlete. Vik was named an All-American Collegiate Boxer and placed runner-up at the NCBA Nationals.
From 2021 through 2024, Vik has been recognized as a member of Morgan Stanley’s Pacesetter’s Club, which honors the firm’s top Financial Advisors for excellence. His team, the Regent Group, was also named on of Forbes’ Best-In-State Wealth Management Teams for both 2024 and 2025.
Forbes Best-In-State Wealth Management Team: New York - NYC (High Net Worth)
2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024 & 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Securities Agent: SD, NY, NC, MI, IA, CO, NM, NE, GA, UT, TN, MA, NV, NH, IL, DC, NJ, SC, PA, CT, WA, ME, CA, TX, IN, FL, AZ, OR, MN, KS, ID, DE, VA, RI, OH, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1855506
NMLS#: 1855506
About Jake Sauertig
Jake is a Registered Client Service Associate with The Regent Group. Jake’s focus is on performance reporting, investment analysis, and strategy implementation. He is solution oriented and precise in his analytical work.
Jake began his career in Morgan Stanley’s Corporate Treasury department helping to raise wholesale debt supporting the various business units across the organization before making the internal transition to Wealth Management. He graduated from the University of Michigan in 2021, where he received his Bachelor of Business Administration degree from the Stephen M. Ross School of Business with an emphasis in Finance. He holds the Series 7, Series 63, Series 65, and Life & Health Insurance licenses.
Outside of work, Jake enjoys running marathons, competing in Ironman triathlons, and spending time with family, friends, and his dog.
Jake began his career in Morgan Stanley’s Corporate Treasury department helping to raise wholesale debt supporting the various business units across the organization before making the internal transition to Wealth Management. He graduated from the University of Michigan in 2021, where he received his Bachelor of Business Administration degree from the Stephen M. Ross School of Business with an emphasis in Finance. He holds the Series 7, Series 63, Series 65, and Life & Health Insurance licenses.
Outside of work, Jake enjoys running marathons, competing in Ironman triathlons, and spending time with family, friends, and his dog.
About Rachael A. Carter
Rachael Carter has been serving with Morgan Stanley for eight years and provides operational and service support. Her responsibilities include financial planning, managed account operations, opening new accounts, handling account transfers, foreign currency transactions, and credit line accounts.
Prior to working in the financial industry, she spent 6 years in customer service handling issues ranging from automotive repair scheduling to medical billing.
Rachael graduated from Louisiana Tech University with a BA in Spanish and Political Science. In addition, she has also earned her Series 7 and 66 licenses while working full time in Atlanta. She lives in Queens, NY with her husband and enjoys volunteering with local theater companies.
Prior to working in the financial industry, she spent 6 years in customer service handling issues ranging from automotive repair scheduling to medical billing.
Rachael graduated from Louisiana Tech University with a BA in Spanish and Political Science. In addition, she has also earned her Series 7 and 66 licenses while working full time in Atlanta. She lives in Queens, NY with her husband and enjoys volunteering with local theater companies.
Contact Jonathan D Klein
Contact Blake Davis
Contact Brendan Johnson, MBA
Contact Andrew Lask, MBA
Contact Vik Parmar
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
Jane Tarnovsky
Private Banker
Kyle Witte, CFP®
Financial Planning Director, Vice President
Mary Beth Powers
Trust Specialist
Angelo Loumbas
Family Office Resource Generalist
About Jane Tarnovsky
Jane Tarnovsky is a Private Banker serving Morgan Stanley Wealth Management offices in New York.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jane began her career in financial services in 2004, and joined Morgan Stanley in 2014 as an Interest Rate Derivatives Trade Support Director in Morgan Stanley’s ISG division. Prior to joining the firm, she was in Operations at JVB Financial and an Associate Manager at Prudential Financial.
Jane is a graduate of Rutgers University, where she received a Bachelor of Science in Finance and a Master of Business Administration in Finance. She lives in Brooklyn, New York with her family. Outside of the office, Jane is involved in her community and enjoys working out, cooking, traveling, gardening, and photography.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jane began her career in financial services in 2004, and joined Morgan Stanley in 2014 as an Interest Rate Derivatives Trade Support Director in Morgan Stanley’s ISG division. Prior to joining the firm, she was in Operations at JVB Financial and an Associate Manager at Prudential Financial.
Jane is a graduate of Rutgers University, where she received a Bachelor of Science in Finance and a Master of Business Administration in Finance. She lives in Brooklyn, New York with her family. Outside of the office, Jane is involved in her community and enjoys working out, cooking, traveling, gardening, and photography.
NMLS#: 2226056
About Kyle Witte
Kyle Witte, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Midtown Manhattan. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Kyle began his career in financial services with Morgan Stanley in 2012. Prior to his current position, he worked with the financial planning product development team.
Kyle graduated from Florida State University and holds his Certified Financial Planner® designation. He lives on the West Side of Manhattan and appreciates all the perks of a walkable city. Outside of work, he enjoys traveling with friends, reading, football, soccer, and fundraising for a community golf tournament held annually in Florida.
Kyle began his career in financial services with Morgan Stanley in 2012. Prior to his current position, he worked with the financial planning product development team.
Kyle graduated from Florida State University and holds his Certified Financial Planner® designation. He lives on the West Side of Manhattan and appreciates all the perks of a walkable city. Outside of work, he enjoys traveling with friends, reading, football, soccer, and fundraising for a community golf tournament held annually in Florida.
About Mary Beth Powers
Mary Beth Powers is Executive Director and Trust Specialist for Morgan Stanley covering the New York Metro region, responsible for presenting Morgan Stanley’s third-party trustee partner platform to Morgan Stanley Wealth Management Financial Advisors, clients and prospects. Leveraging the capabilities of our trust company partners, Mary Beth assists to identify appropriate fiduciary solutions, which are essential to the management, preservation and transfer of accumulated wealth. This process includes coordination with the client’s financial, legal and tax advisors to ensure proper trust planning implementation.
Mary Beth has worked in the trust and estate services industry for over thirty years, primarily handling trust new business opportunities. Before joining Morgan Stanley, Mary Beth spent ten years as a senior vice president and regional trust specialist with Citigroup Trust in NYC.
Mary Beth received a Bachelor of Science from Seton Hall University, South Orange, New Jersey and is Series 7 and 63 licensed. She resides with her husband and family in Blauvelt, New York.
Mary Beth has worked in the trust and estate services industry for over thirty years, primarily handling trust new business opportunities. Before joining Morgan Stanley, Mary Beth spent ten years as a senior vice president and regional trust specialist with Citigroup Trust in NYC.
Mary Beth received a Bachelor of Science from Seton Hall University, South Orange, New Jersey and is Series 7 and 63 licensed. She resides with her husband and family in Blauvelt, New York.
About Angelo Loumbas
Angelo is the Family Office Resources Generalist in the Northeast Region. Angelo provides in depth knowledge to ultra-high net worth (UHNW) clients and Financial Advisors across a broad range of family wealth and family office management matters. His area of focus includes family governance, wealth education,, strategic estate and financial planning, philanthropy management, lifestyle advisory, and customized asset allocation and portfolio construction. Angelo has over 25 years’ experience advising wealthy families, business owners, and philanthropic organizations.
Originally from Chicago and now residing in Westchester County, New York, , Angelo practiced law for 15 years and represented UHNW clients, closely held businesses, and major philanthropic organizations. He is admitted to the Society of Trust and Estate Practitioners and has been asked to speak over the years before tax, trust and estate committees of estate planning councils and other organizations. Angelo has also contributed thought leadership through Morgan Stanley’s Family Legacy and Governance Institute leadership series and authored an article for Barrons.com, “Should I Invest in My Kid’s Start-Up? Financial Advisors Can Help Clients Decide” (2023).
Angelo has been advising UHNW clients in the financial services industry for over 17 years, with 13 of those years at Morgan Stanley in Chicago and New York. He earned his J.D. from Indiana University at Bloomington, his M.B.A. from the University of Notre Dame, and B.A. from DePaul University. He also holds his Series 7, 66 and 24 licenses. In addition, Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club (2009-2010).
Originally from Chicago and now residing in Westchester County, New York, , Angelo practiced law for 15 years and represented UHNW clients, closely held businesses, and major philanthropic organizations. He is admitted to the Society of Trust and Estate Practitioners and has been asked to speak over the years before tax, trust and estate committees of estate planning councils and other organizations. Angelo has also contributed thought leadership through Morgan Stanley’s Family Legacy and Governance Institute leadership series and authored an article for Barrons.com, “Should I Invest in My Kid’s Start-Up? Financial Advisors Can Help Clients Decide” (2023).
Angelo has been advising UHNW clients in the financial services industry for over 17 years, with 13 of those years at Morgan Stanley in Chicago and New York. He earned his J.D. from Indiana University at Bloomington, his M.B.A. from the University of Notre Dame, and B.A. from DePaul University. He also holds his Series 7, 66 and 24 licenses. In addition, Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club (2009-2010).
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
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 trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley 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.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
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 trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley 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.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
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.
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Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley 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 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.
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
6Products 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.
7Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
8Morgan 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.
9Morgan 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.
10When 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.
11Morgan 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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley 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 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.
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
6Products 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.
7Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
8Morgan 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.
9Morgan 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.
10When 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.
11Morgan 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 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)
