Jose Ramon Gutierrez
Financial Advisor, Executive Director
Phone:
(212) 307-2876(212) 307-2876
The Roadside Group at Morgan Stanley
Our Mission Statement
Boutique group focused on advising ultra-high net worth individuals and institutional clients with customized investment strategies and financial planning.
About Us
The Roadside Group is a tightly knit team of portfolio managers, wealth planners and client service professionals that focus on the needs of affluent investors.
The partners of The Roadside Group combine over 60 years of financial experience helping foreign and US clients develop and implement wealth management strategies tailored to their specific needs. The team of Financial Advisors and International Client Advisors combine their local knowledge and extensive investment experience with the vast global resources of Morgan Stanley, to help clients address the complex challenges of managing significant wealth.
The Group oversees a portfolio of individuals and their families, institutional investors, foundations and non profit organizations, as well as professional athletes and entertainers.
Named to Forbes Best-In-State Wealth Management Teams for 2023, 2024, and 2025
Source: Forbes.com (Awarded Jan 2023, 2024, and 2025) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22, 3/31/22-3/31/23, and 3/31/23–3/31/24.
The partners of The Roadside Group combine over 60 years of financial experience helping foreign and US clients develop and implement wealth management strategies tailored to their specific needs. The team of Financial Advisors and International Client Advisors combine their local knowledge and extensive investment experience with the vast global resources of Morgan Stanley, to help clients address the complex challenges of managing significant wealth.
The Group oversees a portfolio of individuals and their families, institutional investors, foundations and non profit organizations, as well as professional athletes and entertainers.
Named to Forbes Best-In-State Wealth Management Teams for 2023, 2024, and 2025
Source: Forbes.com (Awarded Jan 2023, 2024, and 2025) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22, 3/31/22-3/31/23, and 3/31/23–3/31/24.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
International Wealth Management
International Wealth Management
Part of a global financial legacy that dates back over 150 years, Morgan Stanley is one of the few truly global institutions with the scale, scope and commitment to serve the international investor. We serve among the world’s most capitalized institutions, and stand as one of the largest wealth management firms in the world.
Morgan Stanley International Wealth Management (IWM) harnesses the extensive capabilities of the firm to serve investors located outside the United States. Functioning as a specialized group within Morgan Stanley, IWM is staffed by specially trained International Client Advisors and managers who understand your wealth management needs.
Part of a global financial legacy that dates back over 150 years, Morgan Stanley is one of the few truly global institutions with the scale, scope and commitment to serve the international investor. We serve among the world’s most capitalized institutions, and stand as one of the largest wealth management firms in the world.
Morgan Stanley International Wealth Management (IWM) harnesses the extensive capabilities of the firm to serve investors located outside the United States. Functioning as a specialized group within Morgan Stanley, IWM is staffed by specially trained International Client Advisors and managers who understand your wealth management needs.
Our Clients
We work with clients, aligning their goals and needs creating tailored investment solutions that can potentially unlock opportunities and growth. We believe that every client is unique and deserves a tailored plan, which we strive to deliver by way of a broad spectrum of investment management.
Who we work with
- Ultra High Net Worth Clients
- Business Owners
- Professional Athletes and Entertainers
- C-Suite Executives
- Entrepreneurs
- Business Owners
- Professional Athletes and Entertainers
- C-Suite Executives
- Entrepreneurs
Institutions
- Trusts and Foundations
- Family Offices
- Investment Advisors
- Corporates
- Family Offices
- Investment Advisors
- Corporates
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity. Features include paperless documents, bill pay and secure account management.
Click here to learn more
Total Wealth View
With this service, you can view all your investments together – whether they are held at Morgan Stanley or elsewhere. When you add your external 401(k), as well as your checking, savings and brokerage accounts to this portal, all your assets will be in one place, providing a current and comprehensive view of your wealth.
Click here to learn moreOur Process
At the Roadside Group, we know every client has a unique situation with different personal and financial goals. This is why we implement an ongoing process, taking the time to learn all we can about you and your financial situation. We help develop and implement a strategy customized to your goals. All the while, we are consistently communicating with you and other members of your financial team whenever necessary.
Step 1: Define Goals & Investment Objectives
Our process starts with an Exploratory Meeting with you to develop a better understanding of your unique financial situation. We will define specific investment goals and objectives that we will work towards. Furthermore, we take this time to learn about your investment philosophy and how we can implement it to a sound strategy.
Step 2: In-Depth Understanding of Client Risk Profile
During this discovery period, we allocate time to explore your current financial status. Here, we identify any challenges you are currently facing, and the obstacles that are inhibiting you from overcoming them. We analyze your investment assets, tax status, risk tolerance, return objectives, liquidity needs, investment time horizon, and estate planning concerns, all while gathering the appropriate documents whenever necessary.
Step 3: Develop Asset Allocation
Using a suite of tools, we can form the basis for creating your personal investment strategy. This entails developing a personalized asset allocation mix that reflects risk, opportunities, and taxation across multiple entities. We value transparency, which is why we will present the strategy and timeline to you prior to any implementation.
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. 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.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
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. 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.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Step 4: Implement Strategies with a High Level of Client Contact
After comprehensive due diligence and extensive analysis, we implement your strategy, while keeping close contact with you concerning its performance.
Step 5: Review/Adjust Asset Allocation
We review the performance of your strategy, seeking any adjustments to asset allocations for further optimization. Before adjustments are made, we can analyze the impact of any taxes or trading costs on potential returns.
Step 6: Conduct Client Reviews
Coordinating with you and other members of your financial team, we conduct ongoing reviews and comprehensive reporting to help ensure that your strategy adapts to changing financial and family needs.
July Updates
We hope you are well and that your summer is off to a great start. Please enjoy our July newsletter and the latest from Morgan Stanley.
2025 Midyear Investment Outlook
Amid slow growth—not no growth—expect reasonable returns from equities, consider an overweight in core fixed income, and favor U.S. assets over the rest of the world.
Read More
US Policy Pulse
In this report, we explore the various drivers of the energy sector including global and domestic supply-and-demand dynamics, as well as geopolitical risk considerations and the growth of alternative energy sources.
Read More
The Robots Are Coming
Adam Jonas, Morgan Stanley’s Head of Global Autos and Shared Mobility Research, discusses the fast transition of artificial intelligence into the physical world in the form of humanoid robots.
Read More
2025 Midyear Economic Outlook
Global growth is likely to slow in 2025 and 2026 as the shock of higher U.S. tariffs crimps demand around the world.
Read MoreLocation
399 Park Ave 12th
Fl
New York, NY 10022
US
Direct:
(212) 315-6355(212) 315-6355
2800 Post Oak Blvd.
Houston, TX 77056
US
Meet The Roadside Group
Jeronimo Del Villar
Financial Advisor, Executive Director
Phone:
(212) 307-2877(212) 307-2877
Santiago.R Hernandez
Financial Advisor, Senior Vice President, Portfolio Manager
Phone:
(212) 307-2878(212) 307-2878
Edmundo Del Valle
Financial Advisor, Executive Director
Phone:
(713) 966-6873(713) 966-6873
Samir Ahmad
Financial Advisor, Executive Director
Phone:
(212) 315-6222(212) 315-6222
Teresa Rodriguez
Senior Client Service Associate
Phone:
(212) 315-6355(212) 315-6355
Manuel Zuniga
Client Service Analyst
Phone:
(212) 307-2842(212) 307-2842
About Jose Ramon Gutierrez
Jose Ramon is a Financial Advisor and Executive Director at Morgan Stanley in New York City. He is responsible for managing multi-asset investment portfolios for Ultra-High Net Worth families, Endowments and Foundations.
Prior to Morgan Stanley Jose Ramon was an Executive Director in the Ultra High Net Worth team at JP Morgan where he spent 5 years in their New York office. He focused on both client acquisition and managed a book of business of approximately $2 billion. Jose Ramon began his career at Deutsche Bank at the Global Investment Management division, where he spent 2 years constructing and investing discretionary portfolios for the bank. He later moved to the wealth management division where he spent the next 7 years.
Jose Ramon holds an MBA from NYU Stern School of Business and an Industrial Engineering degree from Universidad Iberoamericana. He currently resides in New York City with his wife and 2 children.
Prior to Morgan Stanley Jose Ramon was an Executive Director in the Ultra High Net Worth team at JP Morgan where he spent 5 years in their New York office. He focused on both client acquisition and managed a book of business of approximately $2 billion. Jose Ramon began his career at Deutsche Bank at the Global Investment Management division, where he spent 2 years constructing and investing discretionary portfolios for the bank. He later moved to the wealth management division where he spent the next 7 years.
Jose Ramon holds an MBA from NYU Stern School of Business and an Industrial Engineering degree from Universidad Iberoamericana. He currently resides in New York City with his wife and 2 children.
Securities Agent: VT, AZ, NM, MN, AK, SD, PA, NV, MA, CA, VI, UT, PR, NJ, GA, DC, CT, NC, MO, FL, NY, MI, DE, WY, WI, WA, VA, TX, IN, IL, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 972290
NMLS#: 972290
About Jeronimo Del Villar
Jeronimo del Villar serves as an Executive Director at Morgan Stanley in New York, specializing in crafting tailored investment strategies and wealth management plans for Ultra High Net Worth Families, guiding them towards their financial objectives.
With a wealth of experience, Jeronimo previously held the role of Executive Director within the Ultra High Net Worth team at JP Morgan for 4 years in New York, overseeing a portfolio valued at approximately $1 billion. Prior to his tenure in New York, he spent 8 years at JPMorgan's Geneva office.
Jeronimo initiated his career as an associate attorney at Creel, Garcia Cuellar, Aiza y Enriquez in Mexico City, dedicating 6 years to diverse areas including distressed asset acquisitions, cross-border financings, mergers and acquisitions, and project finance transactions.
Educationally, Jeronimo holds a Master in Business Administration degree from Instituto de Empresa Business School in Madrid, Spain, complementing his bachelor's degree in law from Universidad Anahuac in Mexico City. Originally from Tulancingo, Mexico, Jeronimo now calls New York City home, where he resides with his wife and two children.
With a wealth of experience, Jeronimo previously held the role of Executive Director within the Ultra High Net Worth team at JP Morgan for 4 years in New York, overseeing a portfolio valued at approximately $1 billion. Prior to his tenure in New York, he spent 8 years at JPMorgan's Geneva office.
Jeronimo initiated his career as an associate attorney at Creel, Garcia Cuellar, Aiza y Enriquez in Mexico City, dedicating 6 years to diverse areas including distressed asset acquisitions, cross-border financings, mergers and acquisitions, and project finance transactions.
Educationally, Jeronimo holds a Master in Business Administration degree from Instituto de Empresa Business School in Madrid, Spain, complementing his bachelor's degree in law from Universidad Anahuac in Mexico City. Originally from Tulancingo, Mexico, Jeronimo now calls New York City home, where he resides with his wife and two children.
Securities Agent: MO, AZ, NC, IN, TX, WY, SD, PA, DE, WA, CO, NJ, MA, DC, NY, IL, GA, CA, PR, VA, NM, FL, VI, NV, MI, CT, VT, UT; General Securities Representative; Investment Advisor Representative
NMLS#: 1928501
NMLS#: 1928501
About Santiago.R Hernandez
Santiago is a Financial Advisor and Portfolio Manager at Morgan Stanley in New York City. He is responsible for building and managing multi-asset investment portfolios for Ultra-High Net Worth families, Endowments and Foundations.
Prior to Morgan Stanley, Santiago worked as Global Investment Specialist at JP Morgan’s Private Bank in New York City, where he spent 3 years managing multi-asset class investment portfolios totaling approximately $1 billion. Prior to JP Morgan, Santiago worked as Senior Associate at Navix, a private equity fund created by Eton Park and Axis Capital, where he specialized in Structured Financing and Private Lending in the Energy sector.
Santiago holds an MBA from SMU Cox School of Business, where he was a Dean’s Scholarship recipient and a Folsom Scholar, and a Bachelor in Business Administration degree from Universidad Anahuac. In 2021, Santiago was awarded the "Leadership Excellence Award" by The National Diversity Council. He currently resides in New York City with his wife and kids.
Prior to Morgan Stanley, Santiago worked as Global Investment Specialist at JP Morgan’s Private Bank in New York City, where he spent 3 years managing multi-asset class investment portfolios totaling approximately $1 billion. Prior to JP Morgan, Santiago worked as Senior Associate at Navix, a private equity fund created by Eton Park and Axis Capital, where he specialized in Structured Financing and Private Lending in the Energy sector.
Santiago holds an MBA from SMU Cox School of Business, where he was a Dean’s Scholarship recipient and a Folsom Scholar, and a Bachelor in Business Administration degree from Universidad Anahuac. In 2021, Santiago was awarded the "Leadership Excellence Award" by The National Diversity Council. He currently resides in New York City with his wife and kids.
Securities Agent: NM, MI, FL, MO, IL, AZ, NC, CO, GA, WA, VI, VA, NV, IN, DC, DE, PR, WY, VT, MA, SD, NY, NJ, TX, PA, CT, CA, UT; General Securities Representative; Investment Advisor Representative
NMLS#: 1965698
NMLS#: 1965698
About Edmundo Del Valle
Edmundo Del Valle serves as an Executive Director at Morgan Stanley in Houston, where he specializes in crafting tailored investment strategies and wealth management plans for Ultra High Net Worth Families, guiding them towards their financial objectives.
With over 17 years of experience at JP Morgan, Edmundo distinguished himself as an Executive Director in the International Private Bank, serving both local and international clients.
He holds an MBA from the McCombs School of Business at the University of Texas at Austin and a degree in Industrial Engineering from Universidad Iberoamericana in Mexico City. Edmundo resides in Houston with his wife and two children.
With over 17 years of experience at JP Morgan, Edmundo distinguished himself as an Executive Director in the International Private Bank, serving both local and international clients.
He holds an MBA from the McCombs School of Business at the University of Texas at Austin and a degree in Industrial Engineering from Universidad Iberoamericana in Mexico City. Edmundo resides in Houston with his wife and two children.
Securities Agent: VI, NV, SD, IL, UT, TX, PR, NM, CO, CA, PA, NJ, DE, VT, NC, MI, MO, AZ, VA, MA, IN, CT, GA, DC, NY, FL, WY, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 2661588
NMLS#: 2661588
About Samir Ahmad
Samir is a Financial Advisor and Executive Director at Morgan Stanley in New York City. For over 25 years he has helped domestic and international ultra high net wealth families develop and implement their wealth management strategies.
Prior to Morgan Stanley he was a Managing Director for the Ultra High Net Worth team at HSBC for six years managing a book of business in excess of $1.2 Billion USD. Samir has also spent over 20 years with the JPMorgan Private Bank managing a book of business approaching $2 Billion USD.
Samir holds a Bachelor of Business Administration degree from Baruch College in New York City. Outside of work, Samir enjoys traveling with his wife and 2 children and is an avid tennis player.
Disclaimer:
Not all products and services are available in all jurisdictions or countries
Prior to Morgan Stanley he was a Managing Director for the Ultra High Net Worth team at HSBC for six years managing a book of business in excess of $1.2 Billion USD. Samir has also spent over 20 years with the JPMorgan Private Bank managing a book of business approaching $2 Billion USD.
Samir holds a Bachelor of Business Administration degree from Baruch College in New York City. Outside of work, Samir enjoys traveling with his wife and 2 children and is an avid tennis player.
Disclaimer:
Not all products and services are available in all jurisdictions or countries
Securities Agent: CO, AL, WI, VA, AZ, SC, OR, ID, DC, WV, UT, TX, NV, NM, NE, NC, LA, KS, WY, VI, PA, ME, KY, IL, IA, HI, GA, AR, PR, IN, FL, TN, NJ, MT, OK, OH, MI, MA, WA, NY, MD, CA, AK, NH, ND, MN, CT, VT, SD, RI, MS, MO, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 821962
NMLS#: 821962
About Teresa Rodriguez
Teresa provides a broad range of essential support services to clients of the Roadside Group. For 17 years, she has been responsible for supporting teams of the firm's most senior bankers. She handles the opening of new accounts, and assists clients with trade execution, alternative investment subscriptions, cash flow management and a host of other administrative inquiries.
Teresa started her career in the late 1990's at Chase Manhattan Bank, covering international clients, eventually she transitioned to the ultra high net worth team at JP Morgan Private Bank.
A native of the Dominican Republic, Teresa holds a B. S. degree in Hospitality Management from the New York City Technical College. She resides in the Bronx with her teenage son.
Teresa started her career in the late 1990's at Chase Manhattan Bank, covering international clients, eventually she transitioned to the ultra high net worth team at JP Morgan Private Bank.
A native of the Dominican Republic, Teresa holds a B. S. degree in Hospitality Management from the New York City Technical College. She resides in the Bronx with her teenage son.
About Manuel Zuniga
Manuel Zuniga is a Client Service Analyst at Morgan Stanley in New York City. He is responsible for essential support services to clients of the Roadside Group.
Originally from Puebla, Mexico, Manuel holds degrees in Economics and Computer Science from New York University. He currently resides in New York City where he has lived for the past 5 years.
Originally from Puebla, Mexico, Manuel holds degrees in Economics and Computer Science from New York University. He currently resides in New York City where he has lived for the past 5 years.
Contact Jose Ramon Gutierrez
Contact Jeronimo Del Villar
Contact Santiago.R Hernandez
Contact Edmundo Del Valle
Contact Samir Ahmad
Wealth Management
Global Investment Office
Portfolio Insights
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact The Roadside Group today.
1Morgan 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.
2Morgan 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.
3Morgan 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
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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 does not assist with buying or selling art in any way and merely provides information to clients interested learning more about the different types of art markets at a high level. Any client interested in buying or selling art should consult with their own independent art advisor.
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
2Morgan 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.
3Morgan 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
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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 does not assist with buying or selling art in any way and merely provides information to clients interested learning more about the different types of art markets at a high level. Any client interested in buying or selling art should consult with their own independent art advisor.
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)