Stephen Roop
Financial Advisor, Senior Vice President, Wealth Management, Senior Portfolio Management Director
Phone:
(207) 771-0882(207) 771-0882
The Saltwater Group at Morgan Stanley
Direct:
(207) 771-0800(207) 771-0800
Toll-Free:
(800) 442-6722(800) 442-6722
Industry Award WinnerOur Mission Statement
Our mission is to leverage our expertise and personalized service to build lasting relationships, helping you & your family achieve financial goals and preserve generational wealth.
Our Story & Services
Founded in 2016, The Saltwater Group at Morgan Stanley offers highly experienced Financial Advisors with a comprehensive breadth of knowledge to serve the distinguished needs and goals of our diverse clientele.
We focus on building long-term, life-enhancing relationships. While we deliver our services with an exceptional level of professionalism, our clients feel like they're family to us. Taking care of others is our passion.
The Saltwater Group is founded on these four pillars:
- Trust: Being the team clients can depend upon to guide them through every type of market cycle.
- Competence: Skillfully and diligently performing our responsibilities to clients.
- Accountability: Consistently following through on what we say we'll do every single day.
- Communication: Emphasizing transparent, honest, ongoing conversations with clients about their plan, market conditions or other factors that could impact their financial well-being.
Clients We Serve
Multi-generational families: We take pride in being faithful stewards of your family's wealth through each generation. This includes investing assets, managing risk, transferring wealth, maximizing philanthropic impact, facilitating family discussions and educating younger generations regarding wealth. By essentially acting as the chief financial officer of your family, we strive to give you the freedom to focus on what matters most to you.
Pre-retirees/retirees: Navigating the years immediately before retirement on your own is difficult with many factors to consider—including some you may not even know about. We'll thoroughly discuss your options so you can make well-informed decisions about your future. These conversations are especially valuable for those who've accumulated substantial wealth during their careers, such as doctors, attorneys, corporate executives and other high-income professionals. If you're retired, we'll help maximize your assets and guard against potential dangers to your financial well-being so you can better enjoy your golden years.
High net worth/ultra high net worth individuals: No matter the stage of your life, we're adept at managing the complexities of significant wealth. We'll develop a tailored plan to grow, preserve or distribute your wealth that aligns with your needs, concerns and aspirations.
Business owners/entrepreneurs: From cash management needs to liability concerns to succession planning to retirement preparation, we'll connect the components of your financial life with an overall strategy designed to put you on the path you envision.
Real estate developers/investors: Whether you're a commercial or residential real estate developer, we can consult with you about tax-efficient egress strategies, lending or liquidity considerations, succession planning and other challenges you face in the ever-changing real estate market.
Services Include
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Financial PlanningFootnote3
- Retirement PlanningFootnote4
- Estate Planning StrategiesFootnote5
- Business Succession PlanningFootnote6
- Planning for Education FundingFootnote7
- Philanthropic ManagementFootnote8
- Donor Advised Funds
- Trust ServicesFootnote9
- Alternative InvestmentsFootnote10
- Cash Management and Lending ProductsFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
The Saltwater Group takes a comprehensive approach to wealth management—and it all begins with our thorough five-step process.
- Introductory call: We begin with an informal conversation to understand your financial concerns, and determine how we can add value. If we all agree to move forward, we'll schedule our next meeting and request important financial information.
- Information-gathering meeting: We'll continue the dialogue by fostering an in-depth discussion where we learn about the values that shape your decisions, identify any unique circumstances and define your priorities.
- Analysis and plan development: We utilize proprietary financial planning tools to develop a customized plan with recommendations to help you grow, preserve and transfer your wealth.
- Implementation: We present appropriate strategies designed to work together to achieve your goals. Additionally, we'll open new accounts for you at Morgan Stanley, and initiate our investment recommendations. We'll also begin to implement other initiatives we've discussed— which might include tax management, risk management and estate planning strategies.
- Ongoing service: We focus on building long-term, meaningful relationships. As part of this, we'll proactively touch base every six months with you or as often as you prefer. Markets and personal situations evolve over time, and we want to help keep your plan on track.
Also, we're happy to consult with your other dedicated advisors—such as a CPA or estate attorney—to help ensure all components of your financial world are synergistically working in harmony for you, and perhaps identify any gaps in your coverage. Doing so may also relieve you of the burden of communicating any changes to each professional. If you need a CPA or estate attorney, we can recommend some options for you. All of this is part of our commitment to building a relationship that's enriching for you.
For more detailed information about what's covered during our process, please refer to the chart above or contact us with any questions.
Our Philosophy
At the Saltwater Group, we believe transparency and education are foundational to building client relationships that last through market cycles, economic shifts and life events.
In terms of transparency, we believe you should know what you own with your investments—and we keep things as simple as possible for you. By demystifying portfolios, we've found it helps clients feel more confident about their financial future because they understand their holdings. This can be especially beneficial when things become difficult in the economic world or even their personal lives.
Education plays a pivotal role, too. We teach our clients about investments, market swings, monetary policies and related matters to prepare them for every financial situation we can envision. This type of tactical planning reduces the likelihood you'll be surprised or alarmed by any developments. You'll learn that what might seem new or unusual with the markets is really just normal over the course of time. Again, this can be reassuring. We've often noticed how calm our clients tend to stay even in the most turbulent markets—and we believe our emphasis on client education and preparation contributes to this.
While it's impossible to predict market movements on a day-to-day basis, we want our clients to feel confident we have a plan in place to manage whatever happens with the markets.
Morgan Stanley Wealth Management Century Club
In 2023 & 2024, Stephen Roop was named to the Century Club at Morgan Stanley Wealth Management, an elite group composed of the firm's top Financial Advisors, for his consistent management services to clients.
Morgan Stanley Wealth Management Century Club members must meet a number of criteria including performance, conduct, and compliance standards, revenue, length of experience and assets under supervision. Century Club membership is no guarantee of future performance.
Morgan Stanley Wealth Management Pacesetter's Club
The Pacesetter's Club at Morgan Stanley Wealth Management is an elite group composed of the firm's top Financial Advisors, for his consistent management services to clients. Stephen Roop was named to the Pacesetter's Club in 2016, 2017, 2018 and Griffin Gribbel was named to the Pacesetter's Club in 2020, 2021, 2022, 2023, and 2024.
Morgan Stanley Wealth Management Pacesetter's Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Pacesetter's Club membership is no guarantee of future performance.
Series 7 License
Passing FINRA's Series 7 Examination is a milestone in one's financial career, where the applicant demonstrates knowledge on a variety of topics including equity market and fixed income instruments, options, client suitability, and more.
Griffin Gribbel & Stephen Roop both hold this license.
Series 66 License
Passing NASAA's Series 66 Uniform Combined State Law Examination requires extensive studying of the legal aspects of finance. Test takes are able to demonstrate their knowledge in many different aspects of financial law.
Griffin Gribbel holds this license.
Portfolio Management Director Designation
Stephen Roop: 2019 - Present
Portfolio Management Directors have a proven track record of managing discretionary money using disciplined processes and are able to employ more sophisticated strategies for your investment portfolio.
Senior Portfolio Management Designation
Griffin Gribbel: 2024 - Present
Senior Portfolio Management Directors have a proven track record of managing discretionary money using disciplined processes and are able to employ more sophisticated strategies for your investment portfolio.
All is Welles
All is Welles and Willa Too is a non-profit organization that focuses on Down Syndrome awareness and inclusion.
Stephen Roop: All is Welles Board Member, 2023 - Present
Producer Resident: Health, Life, Variable Contracts
Passing Maine's Insurance examinations requires extensive studying of both general and states-specific material the
This license qualifies an individual to explain, sell, and write life and health insurance products in Maine.
Series 63 License
Passing NASAA's Series 63 Uniform Securities Agent State Law Examination requires extensive studying of the legal aspects of finance. Test takes are able to demonstrate their knowledge in many different aspects of financial law.
Stephen Roop holds this license.
Series 65 License
Passing NASAA's Series 65 Uniform Investment Adviser Law Examination requires extensive studying of the legal aspects of finance. Test takes are able to demonstrate their knowledge in many different aspects of financial law.
Stephen Roop holds this license.
Qualified Plan Financial Consultant Designation
Griffin Gribbel: 2024
The QPFC designation indicates a professional who has extensive experience required to act as a plan fiduciary or help plan fiduciaries manage their roles and responsibilities.
Valuable Tools, Resources, and Information
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today's global markets. We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We've provided links to these materials, where available, and hope you'll return often to learn more about the topics that impact your overall wealth.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world's largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Online Security Center
Safeguarding your assets and personal information is paramount to us. Learn about our extensive security measures and take advantage of our numerous resources and ideas that are geared towards helping you stay protected on the World Wide Web.
Cybercrime Preparedness
Was your email hacked? Your Social Security Number stolen? Do you know how to respond? Learn the steps to take if and when your identity, account, device or information is compromised.
US Policy Pulse: 10 Policy Actions to Watch in 2024
In this report we discuss our top 10 policy actions to watch and how they might affect both the markets and the economy.
What Should I Do With My Money?
Managing our money is one of the most important aspects of our lives, and yet, many people don't have someone they can depend on for help when they need it. On this podcast, we match real people, asking real questions about their money, with experienced Financial Advisors. Join us as our guests share their stories around life's major moments. And hear the difference having an experienced Financial Advisor on your side can make.
Thoughts on the Market Podcast
Each week, Mike Wilson offers his perspective on the forces shaping the markets and how to separate the signal from the noise. Listen to his most recent episode and check out those of his colleagues from across Morgan Stanley Research.
Location
100 Middle St
3rd Fl
Portland, ME 04101
US
Direct:
(207) 771-0800(207) 771-0800
Toll-Free:
(800) 442-6722(800) 442-6722
Meet The Saltwater Group
Griffin Gribbel, QPFC
Financial Advisor, Vice President, Wealth Management, Senior Portfolio Manager, Financial Planning Specialist
Phone:
(207) 771-0803(207) 771-0803
Joni Vickery
Portfolio Associate, Financial Planning Associate
Phone:
(207) 771-0829(207) 771-0829
About Stephen Roop
Stephen R. Roop
Stephen is one of the original founders and managing partner of The Saltwater Group. In his role as Portfolio Management Director, he manages the investment strategy, alternative investments, and risk management strategies for The Saltwater Group.
Stephen helps successful business owners, individuals, families, real estate developers, corporate executives, philanthropic organizations and other clients navigate the ever-changing financial landscape. His performance has been recognized through numerous awards, including being named to the Morgan Stanley Pacesetter’s Club and Morgan Stanley Century Club.
Before entering the financial services industry, Stephen served in the United States Marine Corps for six years. He joined the Marine Corp largely because of his long-time dedication to protecting others and being a leader. After retiring from the Marine Corp, Stephen became a Financial Advisor so he could continue his passion for helping individuals in a genuine, impactful capacity.
He began his career in financial services in 2012 with Morgan Stanley, and he’s been with the Firm ever since. Stephen’s military experience of leading others in difficult situations enabled him to become a better Financial Advisor—especially when guiding clients through rough market environments and economic cycles.
Stephen enjoys relating to clients on individual basis, and getting to know them. Many of his long-term clients feel like they’re family to him. Stephen emphasizes direct, transparent conversations, and wants clients to know he’s someone who will be there for both the good moments and challenging times of their lives.
He graduated from the University of Hartford in Connecticut with a bachelor’s degree in Finance & Economics. During college, Stephen played for the men’s lacrosse team in the American East Conference, and served as a team captain for two years.
Stephen lives in Auburn with his wife, Sarah, and their three children.
Securities Agent: DE, FL, WY, WA, VT, VA, TX, TN, SC, RI, PA, OR, OK, OH, NY, NJ, NH, NC, MT, MI, ME, MD, MA, IL, GA, AK, AL, AZ, CA, CO, CT, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1407637
Stephen is one of the original founders and managing partner of The Saltwater Group. In his role as Portfolio Management Director, he manages the investment strategy, alternative investments, and risk management strategies for The Saltwater Group.
Stephen helps successful business owners, individuals, families, real estate developers, corporate executives, philanthropic organizations and other clients navigate the ever-changing financial landscape. His performance has been recognized through numerous awards, including being named to the Morgan Stanley Pacesetter’s Club and Morgan Stanley Century Club.
Before entering the financial services industry, Stephen served in the United States Marine Corps for six years. He joined the Marine Corp largely because of his long-time dedication to protecting others and being a leader. After retiring from the Marine Corp, Stephen became a Financial Advisor so he could continue his passion for helping individuals in a genuine, impactful capacity.
He began his career in financial services in 2012 with Morgan Stanley, and he’s been with the Firm ever since. Stephen’s military experience of leading others in difficult situations enabled him to become a better Financial Advisor—especially when guiding clients through rough market environments and economic cycles.
Stephen enjoys relating to clients on individual basis, and getting to know them. Many of his long-term clients feel like they’re family to him. Stephen emphasizes direct, transparent conversations, and wants clients to know he’s someone who will be there for both the good moments and challenging times of their lives.
He graduated from the University of Hartford in Connecticut with a bachelor’s degree in Finance & Economics. During college, Stephen played for the men’s lacrosse team in the American East Conference, and served as a team captain for two years.
Stephen lives in Auburn with his wife, Sarah, and their three children.
Securities Agent: DE, FL, WY, WA, VT, VA, TX, TN, SC, RI, PA, OR, OK, OH, NY, NJ, NH, NC, MT, MI, ME, MD, MA, IL, GA, AK, AL, AZ, CA, CO, CT, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1407637
Securities Agent: WY, AZ, UT, NC, DE, CA, VT, PA, OH, NY, FL, TX, OR, VA, RI, NJ, ME, DC, MI, MA, IL, CT, AK, OK, NH, MD, GA, SC, MT, AL, WA, TN, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1407637
NMLS#: 1407637
About Griffin Gribbel
Griffin JL Gribbel
Griffin handles the discovery and financial planning process, insurance services, lending, and cash management solutions for the Saltwater Group. Griffin helps clients identify and achieve their goals by providing a structured roadmap for their financial lives while navigating them through all facets of the planning process. He’s a high-achieving professional who’s been named to the Morgan Stanley Pacesetter’s Club five consecutive years.
Griffin’s greatest sense of joy and accomplishment as a Financial Advisor comes from serving his clients—a commitment that goes beyond simply being helpful. He enjoys having the unique opportunity to quantifiably impact their lives in a positive manner. He’s honored to act as a confidant to clients who feel safe discussing a variety of important issues with him ranging from finances to family to heath and the future.
Before joining Morgan Stanley in 2018, Griffin worked for several years at Fidelity Investments and UBS Wealth Management. He graduated from Saint Lawrence University with a bachelor’s degree in Government.
Griffin lives in York Harbor with his wife, Lindsay.
Griffin handles the discovery and financial planning process, insurance services, lending, and cash management solutions for the Saltwater Group. Griffin helps clients identify and achieve their goals by providing a structured roadmap for their financial lives while navigating them through all facets of the planning process. He’s a high-achieving professional who’s been named to the Morgan Stanley Pacesetter’s Club five consecutive years.
Griffin’s greatest sense of joy and accomplishment as a Financial Advisor comes from serving his clients—a commitment that goes beyond simply being helpful. He enjoys having the unique opportunity to quantifiably impact their lives in a positive manner. He’s honored to act as a confidant to clients who feel safe discussing a variety of important issues with him ranging from finances to family to heath and the future.
Before joining Morgan Stanley in 2018, Griffin worked for several years at Fidelity Investments and UBS Wealth Management. He graduated from Saint Lawrence University with a bachelor’s degree in Government.
Griffin lives in York Harbor with his wife, Lindsay.
Securities Agent: CO, DE, AK, FL, IL, CA, VA, OR, NC, ME, VT, TX, MI, WA, OK, CT, AZ, WY, NJ, MA, GA, MD, DC, UT, RI, OH, NY, TN, SC, PA, NH, MT, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1864194
NMLS#: 1864194
About Joni Vickery
Joni H. Vickery
Portfolio Associate
Financial Planning Associate
A skilled and qualified professional with Morgan Stanley since 1998, Joni is licensed and strives to deliver the highest level of service possible to the clients, while helping them achieve their goals.
A life-long resident of Maine, Joni graduated from Thomas College with both Business Management and Travel and Tourism degrees. She, along with daughter, Haley, live in Gorham, Maine. Joni enjoys spending her free time exercising, running in 5Ks and supporting many animal welfare organizations throughout her community.
Joni handles account opening, maintenance, service and administration issues for our clientele.
Portfolio Associate
Financial Planning Associate
A skilled and qualified professional with Morgan Stanley since 1998, Joni is licensed and strives to deliver the highest level of service possible to the clients, while helping them achieve their goals.
A life-long resident of Maine, Joni graduated from Thomas College with both Business Management and Travel and Tourism degrees. She, along with daughter, Haley, live in Gorham, Maine. Joni enjoys spending her free time exercising, running in 5Ks and supporting many animal welfare organizations throughout her community.
Joni handles account opening, maintenance, service and administration issues for our clientele.
Contact Stephen Roop
Contact Griffin Gribbel
Awards and Recognition
Forbes Best-In-State Wealth Advisors
Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24.
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
Scott McCoy, CFP®
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Corporate Cash Investment Director, International Client Advisor
Seamus Byrne
Vice President, Financial Planning Director
Victor Diune
Family Office Resource Generalist
Chris Smith
Trust Specialist
About Seamus Byrne
Seamus Byrne is a vice president and financial planning director serving Morgan Stanley’s Wealth Management offices in northern New England. He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Seamus began his career in financial services in 2015 and joined Morgan Stanley in 2025. Prior to his current position, he worked at Edward Jones, growing the firm’s investment and financial planning offerings. Throughout his career, he has demonstrated expertise in retirement planning, investment strategy, estate planning, income/asset preservation, and tax strategies. He is passionate about helping clients achieve their personal and financial goals.
Seamus earned a BS from the University of Vermont, an MBA from the University of Colorado with a specialization in Finance, and holds the CERTIFIED FINANCIAL PLANNER™ designation. He lives in Burlington, Vermont with his wife, Sally, and enjoys skiing and mountain biking in his free time.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
Seamus began his career in financial services in 2015 and joined Morgan Stanley in 2025. Prior to his current position, he worked at Edward Jones, growing the firm’s investment and financial planning offerings. Throughout his career, he has demonstrated expertise in retirement planning, investment strategy, estate planning, income/asset preservation, and tax strategies. He is passionate about helping clients achieve their personal and financial goals.
Seamus earned a BS from the University of Vermont, an MBA from the University of Colorado with a specialization in Finance, and holds the CERTIFIED FINANCIAL PLANNER™ designation. He lives in Burlington, Vermont with his wife, Sally, and enjoys skiing and mountain biking in his free time.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
About Victor Diune
Victor Diune is a Family Office Resources Generalist for Morgan Stanley’s Family Office Resources, covering the Northeast Region. In this capacity, Victor provides specialized expertise to Financial Advisors and their UHNW clients across a broad range of family wealth management issues including; family governance and wealth education, strategic estate and financial planning, philanthropy management and lifestyle advisory. Victor has over 20 years of experience advising wealthy families, business owners, and their children.
Victor has spent the last 22 years at Bank of America/Merrill Lynch. Most recently, he was a Director, Wealth Strategist, working with Merrill Private Wealth Advisors and Financial Advisors, along with their UHNW clients advising them on estate and legacy planning, wealth transfer strategies and philanthropic planning. He was also responsible for developing, consulting and implementing business succession plans as well as providing advice on fiduciary investment management and tax reduction strategies.
Victor received a Bachelor of Arts degree in Political Science from University of Illinois in Urbana-Champaign, received his JD/MBA degree from Suffolk University Law School/Sawyer School of Management, and his LLM in Tax from Boston University School of Law. He holds a Series 7 and 66 securities licenses. He currently lives in Hopkinton, MA with his wife and their 4 children.
Victor has spent the last 22 years at Bank of America/Merrill Lynch. Most recently, he was a Director, Wealth Strategist, working with Merrill Private Wealth Advisors and Financial Advisors, along with their UHNW clients advising them on estate and legacy planning, wealth transfer strategies and philanthropic planning. He was also responsible for developing, consulting and implementing business succession plans as well as providing advice on fiduciary investment management and tax reduction strategies.
Victor received a Bachelor of Arts degree in Political Science from University of Illinois in Urbana-Champaign, received his JD/MBA degree from Suffolk University Law School/Sawyer School of Management, and his LLM in Tax from Boston University School of Law. He holds a Series 7 and 66 securities licenses. He currently lives in Hopkinton, MA with his wife and their 4 children.
About Chris Smith
Chris Smith is an Executive Director and Head of Morgan Stanley’s Trust Services Group. As a 30-year employee of Morgan Stanley, Chris is responsible for maintaining the “Open Architecture” trustee platform, which consists of thirteen third-party trust companies who can serve in a fiduciary, agency or custodial role for ultra-high-net worth client trust accounts. Chris and the Trust Services Group help Advisors, clients, prospects and the professional community understand the corporate trustee services available through Morgan Stanley and how our corporate trustee partners can be used to provide fiduciary solutions for clients. This involves reviewing trust document and statements as well as analyzing family dynamics. Chris then uses this information to recommend one or more of the firm’s third-party corporate trustee partners to possibly serve as trustee, co-trustee or administrative agent for a client trust account.
Prior to joining Morgan Stanley (Dean Witter), Chris worked in the Retirement Plans department of Prudential Securities and prior to that the District Agency department of Prudential Insurance Company. Chris holds a Bachelor of Arts degree in Communication/Journalism and Psychology from St. John Fisher College in Rochester, NY. He lives in Saratoga Springs, NY with his wife Sharon and two boys, Ryan and Michael and has a passion for golf, skiing and horse racing.
Prior to joining Morgan Stanley (Dean Witter), Chris worked in the Retirement Plans department of Prudential Securities and prior to that the District Agency department of Prudential Insurance Company. Chris holds a Bachelor of Arts degree in Communication/Journalism and Psychology from St. John Fisher College in Rochester, NY. He lives in Saratoga Springs, NY with his wife Sharon and two boys, Ryan and Michael and has a passion for golf, skiing and horse racing.
About Christian Catricala
Christian Catricala is a Private Banker serving Morgan Stanley Wealth Management offices in Massachusetts and Rhode Island.
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.
Christian began his career in financial services in 2015, and joined Morgan Stanley in 2016 as a Rotational Analyst supporting a variety of divisions in Wealth Management. Prior to being promoted to his current role, he was an Associate Private Banker supporting Wealth Management offices in Boston, Massachusetts.
Christian is a graduate of the Merrimack College, where he received a Bachelor of Science in Accounting and Marketing. He lives in Melrose, Massachusetts with his wife. Outside of the office, Christian enjoys cooking, biking, and traveling.
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.
Christian began his career in financial services in 2015, and joined Morgan Stanley in 2016 as a Rotational Analyst supporting a variety of divisions in Wealth Management. Prior to being promoted to his current role, he was an Associate Private Banker supporting Wealth Management offices in Boston, Massachusetts.
Christian is a graduate of the Merrimack College, where he received a Bachelor of Science in Accounting and Marketing. He lives in Melrose, Massachusetts with his wife. Outside of the office, Christian enjoys cooking, biking, and traveling.
NMLS#: 1773684
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, 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
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley does not accept appointments, nor will it act as a trustee, but it will provide access to trust services through an appropriate third-party corporate trustee.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
Morgan Stanley, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley does not accept appointments, nor will it act as a trustee, but it will provide access to trust services through an appropriate third-party corporate trustee.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
Morgan Stanley, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Morgan Stanley 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.
4When 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.
5Morgan 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.
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.
8Products 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.
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.
10Alternative 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.
11Morgan 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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Morgan Stanley 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.
4When 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.
5Morgan 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.
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.
8Products 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.
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.
10Alternative 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.
11Morgan 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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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), 4763067 (9/2025)
