Kimberly Rosenfield, CFP®, CIMA®, CRPS®, CEPA®
Senior Vice President, Financial Advisor
Phone:
(301) 396-3189(301) 396-3189
The Rosenfield Group at Morgan Stanley
Direct:
(301) 645-9304(301) 645-9304
Toll-Free:
(800) 992-3194(800) 992-3194
Industry Award WinnerOur Mission Statement
For individuals and organizations who want to do more with their wealth, The Rosenfield Group is the financial services team that creates opportunity and delivers peace of mind by planning and managing a clear roadmap for your success.
Our Story
Located in the heart of Southern Maryland, The Rosenfield Group provides comprehensive wealth management solutions to local investors seeking advice and coordination of their financial affairs.
Investing is only one part of helping you manage your wealth, financial advisors with The Rosenfield Group take the time to get to know you and what you care about in order to create a plan to help you achieve your goals, preserve your wealth, and honor your legacy.
Investing is only one part of helping you manage your wealth, financial advisors with The Rosenfield Group take the time to get to know you and what you care about in order to create a plan to help you achieve your goals, preserve your wealth, and honor your legacy.
Services Include
- Wealth ManagementFootnote1
- Cash Management and Lending ProductsFootnote2
- Professional Portfolio ManagementFootnote3
- Financial PlanningFootnote4
- Retirement PlanningFootnote5
- Business PlanningFootnote6
- Planning for Education FundingFootnote7
- Corporate Retirement PlansFootnote8
- Trust ServicesFootnote9
- Stock Plan ServicesFootnote10
- Philanthropic ManagementFootnote11
- Estate Planning StrategiesFootnote12
- 401(k) Rollovers
- Alternative InvestmentsFootnote13
- Life InsuranceFootnote14
- Long-term Care InsuranceFootnote15
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
DISCOVER - Our relationship begins with a thorough understanding of you - your needs, your lifestyle, your family, and your goals for the future.
CREATE - We work with you to develop a roadmap to help you pursue the outcomes you envision.
ACT - Next, we can help you implement investment, retirement, trust services, cash management and insurance solutions suited to your needs.
ADJUST - Achieving your goals requires vigilance and flexibility. We help you monitor your performance and recommend adjustments as life evolves, markets and tax laws shift, and priorities change.
CREATE - We work with you to develop a roadmap to help you pursue the outcomes you envision.
ACT - Next, we can help you implement investment, retirement, trust services, cash management and insurance solutions suited to your needs.
ADJUST - Achieving your goals requires vigilance and flexibility. We help you monitor your performance and recommend adjustments as life evolves, markets and tax laws shift, and priorities change.
Our Clients
Clients come to us for a multitude of reasons – but the biggest is trying to understand if they are on track to meet their goals. They have immediate concerns that can’t be answered by charts & graphs or an asset allocation:
• "What do I have to do to maintain my current lifestyle in retirement?"
• "Should I make a real estate purchase?"
• "What do I need to do to make sure my children are set for college?"
• “How much can I be gifting to my children and charity?”
• Their portfolio may consist of assets and liabilities in a variety of accounts, and they are looking to make sense of it all in a simple and efficient way.
Our team at Morgan Stanley's Laplata branch is comprised of experienced Financial Advisors who understand that most people simply want to know what they have to do to feel financially secure. And for different people, feeling financially secure can mean very different things. Whether you are seeking optimal portfolio construction and investment manager selection, or looking to understand how much to save or spend to stay on track to meet your goals, you can count on us to help you manage your financial life, no matter how complex it may be.
We help get you organized and understand what you’re earning, spending and saving and determine if the combination is putting you on the right road to achieving your goals. We help you make effective and efficient decisions for your financial life. As your life stage changes, so do your goals. We offer comprehensive financial planning that encompasses virtually every aspect of your financial life including banking, investing, borrowing, risk management, insurance, and estate planning. Finally, we offer exceptional service. Yes, we know everyone says that, but to us, service means saying yes more often than no. It means being there for you no matter what is happening in your life. It means providing you with solutions to your most complex challenges. And most of all, it means caring about you, your family, your plan, and your finances more than anyone else.
• "What do I have to do to maintain my current lifestyle in retirement?"
• "Should I make a real estate purchase?"
• "What do I need to do to make sure my children are set for college?"
• “How much can I be gifting to my children and charity?”
• Their portfolio may consist of assets and liabilities in a variety of accounts, and they are looking to make sense of it all in a simple and efficient way.
Our team at Morgan Stanley's Laplata branch is comprised of experienced Financial Advisors who understand that most people simply want to know what they have to do to feel financially secure. And for different people, feeling financially secure can mean very different things. Whether you are seeking optimal portfolio construction and investment manager selection, or looking to understand how much to save or spend to stay on track to meet your goals, you can count on us to help you manage your financial life, no matter how complex it may be.
We help get you organized and understand what you’re earning, spending and saving and determine if the combination is putting you on the right road to achieving your goals. We help you make effective and efficient decisions for your financial life. As your life stage changes, so do your goals. We offer comprehensive financial planning that encompasses virtually every aspect of your financial life including banking, investing, borrowing, risk management, insurance, and estate planning. Finally, we offer exceptional service. Yes, we know everyone says that, but to us, service means saying yes more often than no. It means being there for you no matter what is happening in your life. It means providing you with solutions to your most complex challenges. And most of all, it means caring about you, your family, your plan, and your finances more than anyone else.
Upcoming Firm Events
The Lessons in Leadership Virtual Event Series will continue throughout 2025.
Check back soon for details on upcoming events.
Community Involvement
Kim is committed to leadership, community service, and advancing the status of women through mentorship, advocacy, and active involvement. She has served in a range of leadership and governance roles, including Past President of Zonta of Charles County, Past President of the College of Southern Maryland Foundation Board, Past President of the Association of Professional Investment Consultants (APIC), and Ishe currently serves as a Trustee for the University of Maryland Charles Regional Medical Center. She also an Ambassador for the Women’s Leadership Alliance, where she mentors new female advisors.
Within Morgan Stanley, she has been honored to support an inclusive culture as Past Chair of the DC/Annapolis Diversity & Inclusion Council, a member of Women in Wealth, and Co-Chair of the Business Development Committee for the Multi-Cultural Employee Network (MENG).
Ben serves on the Board of Trustees for Sagepoint Senior Living, helping guide the organization’s mission and long-term strategic direction in support of older adults in our community. In this role, he contributes by providing governance oversight and partnering with leadership on initiatives that strengthen resident care, expand programs, and support the organization’s sustainability.
Reese is a former Division I basketball player at the University of Maryland who brings that high-level competitive experience to his work as a volunteer coach at St. Mary’s School in Annapolis. He’s passionate about developing student-athletes both on and off the court, emphasizing discipline, teamwork, and leadership.
Within Morgan Stanley, she has been honored to support an inclusive culture as Past Chair of the DC/Annapolis Diversity & Inclusion Council, a member of Women in Wealth, and Co-Chair of the Business Development Committee for the Multi-Cultural Employee Network (MENG).
Ben serves on the Board of Trustees for Sagepoint Senior Living, helping guide the organization’s mission and long-term strategic direction in support of older adults in our community. In this role, he contributes by providing governance oversight and partnering with leadership on initiatives that strengthen resident care, expand programs, and support the organization’s sustainability.
Reese is a former Division I basketball player at the University of Maryland who brings that high-level competitive experience to his work as a volunteer coach at St. Mary’s School in Annapolis. He’s passionate about developing student-athletes both on and off the court, emphasizing discipline, teamwork, and leadership.
Location
107 Centennial St.
Ste 102A
La Plata, MD 20646
US
Direct:
(301) 645-9304(301) 645-9304
Toll-Free:
(800) 992-3194(800) 992-3194
Meet The Rosenfield Group
Benjamin Ganley
Financial Advisor
Phone:
(301) 396-3194(301) 396-3194
Reese Mona, QPFC, CIMA®
Financial Advisor
Phone:
(301) 396-3192(301) 396-3192
About Kimberly Rosenfield
Kim often describes herself as a social worker for people with money concerns. Just as a social worker is devoted to helping people work through challenges they face in everyday life, good financial advisors are committed to strengthening and improving the lives of individuals, families, and organizations through personalized financial management.
Kim believes in the transformative power of education, so focuses on teaching and empowering her clients to make good financial choices. Investing is hard – from understanding complex products to overcoming natural human emotions that often lead to poor decisions. Kim is passionate about helping her clients learn, understand, and appreciate all that their money can do and use it to improve their own lives, their families, and their communities.
Kim has earned the CERTIFIED FINANCIAL PLANNER™, Chartered Retirement Plan Specialist™, Certified Investment Management Analyst® (CIMA®) and Certified Exit Planning Advisor (CEPA) credentials. She holds special designations in workplace wealth so she can help deliver solutions to inspire both employers and employees toward financial wellbeing. Kim has completed leadership programs through Leadership Southern Maryland, Leadership Maryland, and Towson University’s Professional Leadership Program for Women.
Active in the community, Kim has served in governance roles for the Zonta Club of Charles County and The College of Southern Maryland Foundation where she focuses on empowering women by increasing access to education. Her work for the Association of Professional Investment Consultants (APIC) and the DC/Annapolis Complex Diversity & Inclusion Council centers around attracting more women to the financial services field. Her passion for her community is evident in her current role as a trustee for the University of Maryland Charles Regional Medical Center.
Her greatest blessing is the opportunity to work with her best friend and husband, Chuck. Having successfully raised three children into adulthood and out of the house, they spend their free time traveling, playing golf, and working out at Coal Road CrossFit.
Kim believes in the transformative power of education, so focuses on teaching and empowering her clients to make good financial choices. Investing is hard – from understanding complex products to overcoming natural human emotions that often lead to poor decisions. Kim is passionate about helping her clients learn, understand, and appreciate all that their money can do and use it to improve their own lives, their families, and their communities.
Kim has earned the CERTIFIED FINANCIAL PLANNER™, Chartered Retirement Plan Specialist™, Certified Investment Management Analyst® (CIMA®) and Certified Exit Planning Advisor (CEPA) credentials. She holds special designations in workplace wealth so she can help deliver solutions to inspire both employers and employees toward financial wellbeing. Kim has completed leadership programs through Leadership Southern Maryland, Leadership Maryland, and Towson University’s Professional Leadership Program for Women.
Active in the community, Kim has served in governance roles for the Zonta Club of Charles County and The College of Southern Maryland Foundation where she focuses on empowering women by increasing access to education. Her work for the Association of Professional Investment Consultants (APIC) and the DC/Annapolis Complex Diversity & Inclusion Council centers around attracting more women to the financial services field. Her passion for her community is evident in her current role as a trustee for the University of Maryland Charles Regional Medical Center.
Her greatest blessing is the opportunity to work with her best friend and husband, Chuck. Having successfully raised three children into adulthood and out of the house, they spend their free time traveling, playing golf, and working out at Coal Road CrossFit.
Securities Agent: TN, AZ, DC, IL, WI, RI, PA, NV, WA, VA, KY, IN, HI, GA, AL, NY, NJ, AK, SC, NH, MA, DE, CA, FL, CT, WV, UT, OH, ME, MD, VT, MT, TX, NC, MI, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 1268229
NMLS#: 1268229
About Benjamin Ganley
Ben is committed to helping individuals and families achieve their financial goals. He takes the time necessary to gain a deep and intimate understanding of his clients to build a foundation of trust. This enables Ben to develop tailored plans for clients that optimize each dollar earned, saved, invested, and donated to elicit the highest potential happiness.
Ben has a passion for educating clients on complex financial matters using relatable stories and analogies and believes in empowering them to make informed decisions about their wealth.
Ben started his career at Morgan Stanley Wealth Management in 2018 and joined The Rosenfield Group at Morgan Stanley in 2020. He serves as the team's head of financial planning. He graduated from Bentley University in 2016 with a degree in finance and worked as a credit risk associate at KPMG in Boston preceding his career transition to Morgan Stanley.
Ben and his wife, Aditi, have been happily married since 2021 and live in Old Town, Alexandria with their lovely dog, Peaches. He is an avid golfer and will forever remain a passionate Boston and New England sports fan. He enjoys cooking and eating foreign cuisines and has an insatiable passion for expanding his understanding of unfamiliar cultures and customs.
Ben has a passion for educating clients on complex financial matters using relatable stories and analogies and believes in empowering them to make informed decisions about their wealth.
Ben started his career at Morgan Stanley Wealth Management in 2018 and joined The Rosenfield Group at Morgan Stanley in 2020. He serves as the team's head of financial planning. He graduated from Bentley University in 2016 with a degree in finance and worked as a credit risk associate at KPMG in Boston preceding his career transition to Morgan Stanley.
Ben and his wife, Aditi, have been happily married since 2021 and live in Old Town, Alexandria with their lovely dog, Peaches. He is an avid golfer and will forever remain a passionate Boston and New England sports fan. He enjoys cooking and eating foreign cuisines and has an insatiable passion for expanding his understanding of unfamiliar cultures and customs.
Securities Agent: MT, KY, WI, PA, GA, VT, VA, MI, LA, IN, MD, DE, CO, CA, MA, HI, FL, DC, TX, NY, NJ, UT, SD, RI, OH, IL, AK, OR, NC, CT, AZ, WV, WA, TN, SC, NV, NH, ME, KS, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1968227
NMLS#: 1968227
About Reese Mona
Growing up on his family’s 37-acre working farm taught Reese Mona the values of hard work, humility, patience, and caring for others—principles that continue to shape the way he serves clients today.
Reese is a fully licensed Financial Advisor and has earned the Qualified Plan Financial Consultant® (QPFC®) credential and the Certified Investment Management Analyst® (CIMA®) designation. He works with individuals, families, and business owners to provide comprehensive financial planning and investment management solutions tailored to their goals. He also supports corporate retirement directors in building and managing retirement plans designed to help employees thrive.
A four-year member of the University of Maryland Men’s Basketball Team, Reese played on the 2020 Big Ten Championship Team while earning a Bachelor of Science degree in Finance and a Master of Science degree in Business Management. He remains active in his community, coaches high school basketball, and enjoys fitness, hiking, golfing, and traveling with his wife, Brooke. Reese and Brooke, both scholar-athletes, met during their freshman year at Maryland.
Reese is a fully licensed Financial Advisor and has earned the Qualified Plan Financial Consultant® (QPFC®) credential and the Certified Investment Management Analyst® (CIMA®) designation. He works with individuals, families, and business owners to provide comprehensive financial planning and investment management solutions tailored to their goals. He also supports corporate retirement directors in building and managing retirement plans designed to help employees thrive.
A four-year member of the University of Maryland Men’s Basketball Team, Reese played on the 2020 Big Ten Championship Team while earning a Bachelor of Science degree in Finance and a Master of Science degree in Business Management. He remains active in his community, coaches high school basketball, and enjoys fitness, hiking, golfing, and traveling with his wife, Brooke. Reese and Brooke, both scholar-athletes, met during their freshman year at Maryland.
Securities Agent: GA, ME, PA, NJ, NH, NC, KY, CO, WI, TX, OR, NY, HI, DE, CA, OH, NV, LA, FL, IL, DC, WV, UT, SC, MD, MA, CT, AL, AK, WA, VT, VA, RI, MI, IN, AZ, TN, MT; General Securities Representative; Investment Advisor Representative
NMLS#: 2497307
NMLS#: 2497307
Contact Kimberly Rosenfield
Contact Benjamin Ganley
Contact Reese Mona
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2024-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
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
Aladin Bacolodan
Private Banker
About Aladin Bacolodan
Aladin Bacolodan is a Private Banker serving Morgan Stanley Wealth Management offices in Washington, D.C. and Maryland.
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.
Aladin began his career in financial services in 2006 and joined Morgan Stanley this year as a Private Banker. Prior to joining the firm, he was a Market Sales Manager at Wells Fargo Advisors. He also served as a Financial Advisor at Ameriprise Financial where he started his career.
Aladin is a graduate of a University in the Philippines where he received a degree in Communications. He lives in Anne Arundel County, Maryland with his family. Outside of the office, Aladin enjoys playing pickleball, running and traveling. He is also an active volunteer and committee leader in his local church.
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.
Aladin began his career in financial services in 2006 and joined Morgan Stanley this year as a Private Banker. Prior to joining the firm, he was a Market Sales Manager at Wells Fargo Advisors. He also served as a Financial Advisor at Ameriprise Financial where he started his career.
Aladin is a graduate of a University in the Philippines where he received a degree in Communications. He lives in Anne Arundel County, Maryland with his family. Outside of the office, Aladin enjoys playing pickleball, running and traveling. He is also an active volunteer and committee leader in his local church.
NMLS#: 582234
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
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
Wealth Management
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Rosenfield Group today.
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 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
3Morgan 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.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
5When 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8When 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.
9Morgan 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.
10Morgan 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.
11Products 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.
12Morgan 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.
13Alternative 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.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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.
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*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 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
3Morgan 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.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
5When 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8When 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.
9Morgan 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.
10Morgan 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.
11Products 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.
12Morgan 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.
13Alternative 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.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
