Jeffrey Lynn Towery, CFP®
Executive Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(208) 338-6963(208) 338-6963
The Riverstone Group at Morgan Stanley
Direct:
(208) 338-6906(208) 338-6906
Toll-Free:
(800) 733-5231(800) 733-5231
Our Mission Statement
Its about you, knowing you and your family, sharing your vision, helping to make that vision a reality.
Our Story
When asked why each of us chose this career, our answers were the same – to help families make their vision a reality. Jeff realized from the beginning how crucially important it was to see the whole picture. Learning about our clients and their family, their goals, family dynamic, legacy plans and dreams enables us to create a personalized plan for them.
Jeff and Judy have built The Riverstone Group on integrity. To us that means providing an exceptional client experience where each of our clients knows we will take the time to understand and work with them at their individual level. Through our varied experiences, we can provide advice in areas such as estate and legacy planning strategies, concerns with aging parents, business succession strategies and retirement lifestyle planning. One of the most rewarding aspects of working with multi-generational families is helping younger family members develop an understanding of financial life planning.
Our team has a genuine desire to help our clients prepare for life transition events and overcome the challenges that sometimes arise. Our commitment and dedication to working diligently with our clients to help them solve their problems and accomplish long standing goals is appreciated.
Jeff and Judy have built The Riverstone Group on integrity. To us that means providing an exceptional client experience where each of our clients knows we will take the time to understand and work with them at their individual level. Through our varied experiences, we can provide advice in areas such as estate and legacy planning strategies, concerns with aging parents, business succession strategies and retirement lifestyle planning. One of the most rewarding aspects of working with multi-generational families is helping younger family members develop an understanding of financial life planning.
Our team has a genuine desire to help our clients prepare for life transition events and overcome the challenges that sometimes arise. Our commitment and dedication to working diligently with our clients to help them solve their problems and accomplish long standing goals is appreciated.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
An exceptional client experience is our primary goal. Utilizing our structured, seven-step client advice process we provide a detailed assessment of your current situation as well as an individualized plan to help achieve your goals. Keeping up with the ever-changing financial planning environment is a challenge we enjoy. Finding new ways to help our clients plan for goals like tax efficiency, education, estate planning and retirement helps our clients stay on track.
Once your plan has been created, we meet once a year to review and make adjustments that may be needed due to personal or economic changes. In addition to our reviews, we focus throughout the year on educational topics from college expenses to eldercare which help our clients make informed decisions about their family’s future.
Once your plan has been created, we meet once a year to review and make adjustments that may be needed due to personal or economic changes. In addition to our reviews, we focus throughout the year on educational topics from college expenses to eldercare which help our clients make informed decisions about their family’s future.
Our Clients
Our clients are busy, successful individuals and families whose lives are filled with the demands of their work and the desire to achieve balance at home. While keeping their focus where they want it to be—work and home—our clients have limited time left over to create a plan to fulfill their vision for the future or even imagine what that future could be.
Clients seek our guidance when facing a life transition event such as a pending marriage, the birth of a child or grandchild, divorce or a job change. Some are looking for help defining what their retirement picture might look like.
We help our clients organize their financial lives, visualize their future and seek to create meaningful, achievable goals. We help them understand the broad array of choices they have and then develop a plan that seeks to put them confidently on track toward their vision, whatever that vision might be.
Clients seek our guidance when facing a life transition event such as a pending marriage, the birth of a child or grandchild, divorce or a job change. Some are looking for help defining what their retirement picture might look like.
We help our clients organize their financial lives, visualize their future and seek to create meaningful, achievable goals. We help them understand the broad array of choices they have and then develop a plan that seeks to put them confidently on track toward their vision, whatever that vision might be.
Experience & Recognition
Providing a one-stop shop for our clients, with each member of our team contributing his or her own experience and knowledge, provides a holistic approach designed to meet and exceed our client’s expectations.
Recognizing that each family has unique goals and challenges, we combine Jeff’s estate planning and portfolio construction experience with Judy’s in-depth knowledge of Social Security, long-term care and business retirement planning, to help simplify complex planning needs. Our close working relationships with local accountants and estate attorneys help our clients stay up-to-date with changes in the estate and legacy planning landscape.
When combined with Erika’s experience in using our LifeView® Financial Planning suite of tools and focused follow-up, along with Chad's communication skills, engaging demeanor, and attention to details, our clients have come to expect a world-class experience.
LifeView® is a registered service of Morgan Stanley & Company and used under license.
Life insurance, disability income insurance, annuities, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Recognizing that each family has unique goals and challenges, we combine Jeff’s estate planning and portfolio construction experience with Judy’s in-depth knowledge of Social Security, long-term care and business retirement planning, to help simplify complex planning needs. Our close working relationships with local accountants and estate attorneys help our clients stay up-to-date with changes in the estate and legacy planning landscape.
When combined with Erika’s experience in using our LifeView® Financial Planning suite of tools and focused follow-up, along with Chad's communication skills, engaging demeanor, and attention to details, our clients have come to expect a world-class experience.
LifeView® is a registered service of Morgan Stanley & Company and used under license.
Life insurance, disability income insurance, annuities, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Location
101 S Capitol Blvd
Suite 401
Boise, ID 83702
US
Direct:
(208) 338-6906(208) 338-6906
Toll-Free:
(800) 733-5231(800) 733-5231
Fax:
(208) 338-2750(208) 338-2750
Meet The Riverstone Group
Judith P Barbera, CFP®
First Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(208) 338-6951(208) 338-6951
Chad Steichen
Financial Advisor
Phone:
(208) 338-6906(208) 338-6906
Erika R Biggs
Portfolio Associate
Phone:
(208) 338-6941(208) 338-6941
Jacob Grinde
Registered Client Service Associate
Phone:
(208) 338-6956(208) 338-6956
Tanner Tallan
Registered Client Service Associate
Phone:
(208) 338-2777(208) 338-2777
About Jeffrey Lynn Towery
My experience, knowledge and disciplined planning process enable me to help our clients navigate the complexities of their financial lives, particularly in the area of estate and legacy planning strategies. Recognizing that each family has unique goals and challenges, I tailor my advice and financial planning to their specific needs. By sharing their vision, I can better help them achieve their wealth planning goals while seeking to manage their overall risk.
Over a career dating back to 1982, my experience includes assisting a bank trust department in developing a financial planning service for their affluent clients, advising my own clients, and serving as a branch manager for a major firm.
With a B.S. in Business Administration from Seattle Pacific University, I have been a CERTIFIED FINANCIAL PLANNER™ professional since 1991. Since moving to Morgan Stanley in 2009, I earned their Senior Portfolio Management Director and Family Wealth Advisor designations.
Having grown up on a farm in Madras, Oregon, children and family are important to me. I have been involved with the Open Arms Home for Children Orphanage in South Africa since its founding in 2006, serving on its Board of Directors and visiting the facility and the children who live there.
Married since 1985, Cheryl and I have been blessed with 3 children and three grandchildren. I enjoy the great outdoors of Idaho and especially love time spent hunting, fishing, mountaineering, cycling, golfing and running.
Over a career dating back to 1982, my experience includes assisting a bank trust department in developing a financial planning service for their affluent clients, advising my own clients, and serving as a branch manager for a major firm.
With a B.S. in Business Administration from Seattle Pacific University, I have been a CERTIFIED FINANCIAL PLANNER™ professional since 1991. Since moving to Morgan Stanley in 2009, I earned their Senior Portfolio Management Director and Family Wealth Advisor designations.
Having grown up on a farm in Madras, Oregon, children and family are important to me. I have been involved with the Open Arms Home for Children Orphanage in South Africa since its founding in 2006, serving on its Board of Directors and visiting the facility and the children who live there.
Married since 1985, Cheryl and I have been blessed with 3 children and three grandchildren. I enjoy the great outdoors of Idaho and especially love time spent hunting, fishing, mountaineering, cycling, golfing and running.
Securities Agent: WA, MN, KS, CA, UT, PA, OR, NC, MT, DE, NH, ID, NY, NJ, IA, MA, MI, GA, AK, VT, TN, OH, NM, ME, CO, IN, CT, FL, AZ, WI, SD, SC, MO, HI, NV, WV, TX; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288182
NMLS#: 1288182
About Judith P Barbera
I focus on translating complex financial issues into understandable concepts and creating action plans that seek to help our clients achieve their individual goals. I have always been passionate about helping clients grow, manage, preserve and transfer their wealth in a meaningful way. I particularly enjoy developing long-term relationships with them, focusing on retirement planning strategies that potentially include social security and long term care insurance.
After earning my B.S. from California Polytechnic State University, I worked in the agricultural field and assisted with veterinary research. In 1987, I began my career in financial services with U.S. Bank because I wanted to help others successfully manage their financial futures. Jeff and I started working together in 1996 and later founded The Riverstone Group at Morgan Stanley. We felt that as a team of professionals we could provide our clients with a more personalized and holistic approach to family wealth management.
I have appreciated the opportunity to serve on the board of Valor Health in Emmett Idaho since 2008. Having grown up on a cattle ranch, I continue to raise Angus cattle with my husband Steve. We have three grown children and love being grandparents. I also enjoy fishing, golfing and cruising with Steve in our classic pickup.
Disclosures:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Since life insurance and long term care insurance are medically underwritten, you should not cancel your current policy until your new policy is in force. A change to your current policy may incur charges, fees and costs. A new policy will require a medical exam. Surrender charges may be imposed and the period of time for which the surrender charges apply may increase with a new policy. You should consult with your own tax advisors regarding your potential tax liability on surrenders. "
After earning my B.S. from California Polytechnic State University, I worked in the agricultural field and assisted with veterinary research. In 1987, I began my career in financial services with U.S. Bank because I wanted to help others successfully manage their financial futures. Jeff and I started working together in 1996 and later founded The Riverstone Group at Morgan Stanley. We felt that as a team of professionals we could provide our clients with a more personalized and holistic approach to family wealth management.
I have appreciated the opportunity to serve on the board of Valor Health in Emmett Idaho since 2008. Having grown up on a cattle ranch, I continue to raise Angus cattle with my husband Steve. We have three grown children and love being grandparents. I also enjoy fishing, golfing and cruising with Steve in our classic pickup.
Disclosures:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Since life insurance and long term care insurance are medically underwritten, you should not cancel your current policy until your new policy is in force. A change to your current policy may incur charges, fees and costs. A new policy will require a medical exam. Surrender charges may be imposed and the period of time for which the surrender charges apply may increase with a new policy. You should consult with your own tax advisors regarding your potential tax liability on surrenders. "
Securities Agent: FL, MA, NM, WI, VT, NY, GA, CO, MO, IN, HI, CA, UT, TN, KS, TX, OR, NC, MT, ID, AZ, WV, MN, SD, NV, MI, IA, CT, OH, ME, DE, AK, WA, SC, PA, NJ, NH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282602
NMLS#: 1282602
About Chad Steichen
My combined experience in prior roles as a Wealth Advisor Associate and Portfolio Management Associate provide a distinct perspective needed to help our clients grow, preserve and transfer their wealth with intention. My desire to develop a deep understanding of each client’s financial picture, future goals, and what concerns may keep them up at night, helps me to create a personalized plan with them. By tailoring investment solutions to help clients achieve their goals and alleviate their fears, I work with them to implement a strategy and help keep them on track through continuous monitoring of their progress while making any necessary changes along the way. Our team works closely with your CPA and attorney to ensure all your plans align. We work together to craft a tailored experience for each client.
I grew up in Sacramento, California, and graduated from Boise State University with a Bachelor of Business Administration degree. While at Boise State, I worked with the football team and enjoyed being part of such a successful program. I returned to Morgan Stanley in 2018 to join The Riverstone Group after spending 3 years with the Cleveland Browns scouting department.
In my free time I enjoy spending quality time with my wife Jordan and our son Bryce. I also enjoy a broad range of outdoor activities, especially hiking, golfing, fishing and skiing.
I grew up in Sacramento, California, and graduated from Boise State University with a Bachelor of Business Administration degree. While at Boise State, I worked with the football team and enjoyed being part of such a successful program. I returned to Morgan Stanley in 2018 to join The Riverstone Group after spending 3 years with the Cleveland Browns scouting department.
In my free time I enjoy spending quality time with my wife Jordan and our son Bryce. I also enjoy a broad range of outdoor activities, especially hiking, golfing, fishing and skiing.
Securities Agent: WA, AR, NV, NM, NJ, NH, IA, AK, TN, MT, ID, DE, PA, NC, KS, HI, OH, NY, CT, AL, OK, CA, VT, OR, ND, MO, WV, IN, WI, MN, FL, AZ, SD, UT, TX, SC, MI, ME, GA, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 2556818
NMLS#: 2556818
About Erika R Biggs
I help our clients organize their financial and estate planning information and then assist Jeff and Judy as they prepare for their planning and review meetings. I also organize our team's client events, create custom marketing materials and manage our social media outlets. My strong organizing skills keep our team focused and on task.
Committed to achieving continued professional development, I love drawing upon my knowledge and understanding so I can provide our clients with the very best experience.
My career in financial services began in Seattle in 1999. In 2004, my husband Chad and I decided to relocate to Boise to enjoy the lifestyle and family-friendly environment. Shortly after arriving here, I joined Jeff and Judy’s team at Piper Jaffray, moving with them to Morgan Stanley in 2009.
My free time is spent with my husband, Chad, our children Susannah and Oliver, our dog and pet rabbit. I am a troop leader for Girl Scouts and volunteer for my son’s lacrosse team. A North Dakota native, I enjoy recreating Scandinavian treats from my childhood, as well as gardening, paddle boarding, hiking, and most of all, spending time with my family.
Committed to achieving continued professional development, I love drawing upon my knowledge and understanding so I can provide our clients with the very best experience.
My career in financial services began in Seattle in 1999. In 2004, my husband Chad and I decided to relocate to Boise to enjoy the lifestyle and family-friendly environment. Shortly after arriving here, I joined Jeff and Judy’s team at Piper Jaffray, moving with them to Morgan Stanley in 2009.
My free time is spent with my husband, Chad, our children Susannah and Oliver, our dog and pet rabbit. I am a troop leader for Girl Scouts and volunteer for my son’s lacrosse team. A North Dakota native, I enjoy recreating Scandinavian treats from my childhood, as well as gardening, paddle boarding, hiking, and most of all, spending time with my family.
About Jacob Grinde
My role as a client service associate gives me the opportunity to enhance new and existing relationships by providing an individualized client experience. The years of experience I gained in customer service and playing sports have helped me grow my skills in collaboration, being detail-oriented and organized, and communication. From account maintenance to addressing client inquiries, I’m dedicated to assisting our team in providing exception service and helping our clients reach their financial goals.
Prior to joining Morgan Stanley in 2021, I lived in my hometown of Coeur d’ Alene. I attended The University of Idaho in Moscow and graduated with a bachelor’s degree in both Finance and Business Economics. Outside of work, I enjoy spending my free time being active, outdoors, and with my closest friend and family. Some of my favorite activities include playing gold, basketball, skiing, and being on the water.
Prior to joining Morgan Stanley in 2021, I lived in my hometown of Coeur d’ Alene. I attended The University of Idaho in Moscow and graduated with a bachelor’s degree in both Finance and Business Economics. Outside of work, I enjoy spending my free time being active, outdoors, and with my closest friend and family. Some of my favorite activities include playing gold, basketball, skiing, and being on the water.
About Tanner Tallan
As a new member of the Riverstone Group, I am excited to contribute to the team’s success by supporting client relationships, account management, and market analysis. Prior to joining Morgan Stanley in 2023, I gained valuable experience working at Micron Technology and held various roles over a nine-year tenure with the Boise State University and Auburn University football programs. These experiences have honed my leadership, communication, and strategic thinking skills. I hold a bachelor’s degree in Communication and a Master’s degree in Athletic Leadership, both from Boise State University.
In addition to my professional work, I serve on the Board of Directors for The Northwest Showdown, a Boise-based non-profit organization dedicated to providing competitive opportunities for high school football teams across the Pacific Northwest. Originally from Monmouth, Oregon, I have called Boise home for the past 12 years. Outside of work, I enjoy golfing and spending quality time with my wife, Megan, and our dog, Haze.
In addition to my professional work, I serve on the Board of Directors for The Northwest Showdown, a Boise-based non-profit organization dedicated to providing competitive opportunities for high school football teams across the Pacific Northwest. Originally from Monmouth, Oregon, I have called Boise home for the past 12 years. Outside of work, I enjoy golfing and spending quality time with my wife, Megan, and our dog, Haze.
Contact Jeffrey Lynn Towery
Contact Judith P Barbera
Contact Chad Steichen
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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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
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 (“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.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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
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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
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 (“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.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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
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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
