Dominick R. Scavelli, CEPA®, CPWA®, CFP®
Executive Director, Financial Advisor, Senior Portfolio Management Director
Phone:
(973) 660-4664(973) 660-4664
Industry Award WinnerOur Mission Statement
To us, wealth is deeply personal. It demands not only guidance, advocacy and coaching, but also a deep measure of trust. That's why nearly all of the families we work with were introduced to us through existing clients - with many becoming close personal friends. Together we implement highly personalized investment advice, wealth planning, and coaching to deliver a unique client experience.
Old School Grit. New World Ideas.
We are a team of experienced and highly credentialed advisors who work with successful individuals and families who have either created or inherited significant wealth. The individuals and families we work with often lack the time, resources and/or desire to independently handle wealth on their own and entrust that responsibility to our team – enabling them to dedicate their time and talents towards their work, family and personal passions. As trusted advisors, our objective is to understand what matters most and help our clients navigate the unique intersection of wealth, family, and the ever-changing landscapes of life.
Services Include
- Wealth PlanningFootnote1
- Professional Portfolio ManagementFootnote2
- Asset Management
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Planning for Education FundingFootnote5
- Business PlanningFootnote6
- Business Succession PlanningFootnote7
- Philanthropic ManagementFootnote8
- Cash ManagementFootnote9
- Executive Financial ServicesFootnote10
- Qualified Retirement PlansFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Practice - The Scavelli Kempner Group
While every client is unique and has shared with us their own personal success story, many are first generation wealth builders that share common values around family, education and work ethic - who also value a deep-rooted personal relationship with their advisor. While our clients represent a broad brush of industry, some of the clients we work with most include the above mentioned categories.
Our Core Principles - The Scavelli Kempner Group
Certifications, Designations & Awards
Our Team has the extensive experience, specialized training and resources necessary to help our clients address their unique goals and aspirations. Read below to understand more about our designations and how Morgan Stanley can help you achieve your goals.
Certified Financial Planner®
The Certified Financial Planner® certification is the standard of excellence in financial planning. CFP® professionals meet rigorous education, training and ethical standards, and are committed to serving their clients' best interests today to prepare them for a more secure tomorrow.
CFA® Charterholder
A Chartered Financial Analyst (CFA®) charter is a designation given to those who have completed the CFA® Program. The CFA Program is a three-part exam that tests the fundamentals of investment tools, valuing assets, portfolio management, and wealth planning. CFA charterholders are qualified to work in senior and executive positions in investment management, risk management, asset management, and more.
Certified Private Wealth Advisor®
Certified Private Wealth Advisor® (CPWA®) certification is an advanced professional certification for advisors who serve high-net-worth clients. It’s designed for advisors with high-net-worth clients and takes a holistic and multidisciplinary approach to sophisticated wealth strategies, estate planning, wealth transfer, behavioral finance, family dynamics, tax management, and legacy planning.
Certified Exit Planning Advisor®
The Certified Exit Planning Advisor (CEPA®) is a unique designation for financial professionals who advise business owners on how to sell or transition their business successfully and in the context of their personal goals, finances, and estate/tax planning.
The Scavelli Kempner Group: Forbes Best-In-State Wealth Management Teams (2023, 2024, 2025 & 2026)
Forbes America’s Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of the year prior to the issuance of the award.
Awards Disclosures
Source: Forbes.com (Awarded Jan 2023-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of the year prior to the issuance of the award.
Awards Disclosures
Dominick R. Scavelli: Forbes Best-In-State Wealth Advisors (2024-2026)
Forbes America’s Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2024-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of the year prior to the issuance of the award.
Awards Disclosures
Source: Forbes.com (Awarded April 2024-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of the year prior to the issuance of the award.
Awards Disclosures
We Help Families Navigate Significant Wealth - The Scavelli Kempner Group
Location
340 Mount Kemble Avenue
1st Floor
Morristown, NJ 07960
US
Direct:
(973) 660-4664(973) 660-4664
Meet The Scavelli Kempner Group
Jon Kempner, CPWA®, CFP®
First Vice President, Financial Advisor
Phone:
(973) 660-4669(973) 660-4669
Grayson L. Librie, CFP®, CFA
Vice President, Director of Business Strategy
Phone:
(973) 660-4692(973) 660-4692
Melissa S. Scharf
Client Service Associate
Phone:
(973) 660-4736(973) 660-4736
About Dominick R. Scavelli
Dominick helps a select group of individuals and families manage wealth through comprehensive financial planning, strategic portfolio management, tailored lending, and advanced trust, tax and wealth transfer strategies. Dominick holds a particular focus working with entrepreneurs and executives who rely heavily on his expertise in major liquidity events.
Before joining Morgan Stanley in 2021, Dominick spent over a decade at Merrill Lynch and has been recognized by Forbes as a “Best-In-State” Wealth Advisor (2024-2026) and a "Top Next-Gen" Wealth Advisor (2019, 2023-2025) – with his team similarly recognized by Forbes as a "Best in State Wealth Management Team" (2023-2026). Professionally he holds the Certified Financial Planner (CFP) certification awarded by the Certified Financial Planner Board of Standards, Inc., earned his Certified Private Wealth Advisor (CPWA) certification from the Investments and Wealth Institute at the University of Chicago’s Booth School of Business, and also holds the Certified Exit Planning Advisor (CEPA) designation as a member of the Exit Planning Institute.
He is a graduate of the Stillman School of Business at Seton Hall University, where he was a distinguished scholar of the University Honors Program and earned a dual bachelor’s degree in Finance and Information Technology Management.
Dominick enjoys spending time with his growing family and playing golf, competitive baseball and basketball on the weekends. He lives in Chatham, NJ with his wife Erica and their three sons.
Named to the 2024-2026 Forbes Best-In-State Wealth Advisors Ranking
Forbes America’s Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2024 & 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of the year prior to the issuance of the award.
Awards Disclosures
Named to the 2023- 2025 Forbes Top Next-Gen Wealth Advisors Best-In-State Ranking
Forbes Top Next-Gen Wealth Advisors
Source: Forbes.com (Awarded Aug 2023, 2024 & 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of the year prior to the issuance of the award.
Awards Disclosures
Named to the 2023-2026 Forbes Best-in-State Wealth Management Teams Ranking
Forbes America’s Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of the year prior to the issuance of the award.
Awards Disclosures
Before joining Morgan Stanley in 2021, Dominick spent over a decade at Merrill Lynch and has been recognized by Forbes as a “Best-In-State” Wealth Advisor (2024-2026) and a "Top Next-Gen" Wealth Advisor (2019, 2023-2025) – with his team similarly recognized by Forbes as a "Best in State Wealth Management Team" (2023-2026). Professionally he holds the Certified Financial Planner (CFP) certification awarded by the Certified Financial Planner Board of Standards, Inc., earned his Certified Private Wealth Advisor (CPWA) certification from the Investments and Wealth Institute at the University of Chicago’s Booth School of Business, and also holds the Certified Exit Planning Advisor (CEPA) designation as a member of the Exit Planning Institute.
He is a graduate of the Stillman School of Business at Seton Hall University, where he was a distinguished scholar of the University Honors Program and earned a dual bachelor’s degree in Finance and Information Technology Management.
Dominick enjoys spending time with his growing family and playing golf, competitive baseball and basketball on the weekends. He lives in Chatham, NJ with his wife Erica and their three sons.
Named to the 2024-2026 Forbes Best-In-State Wealth Advisors Ranking
Forbes America’s Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2024 & 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of the year prior to the issuance of the award.
Awards Disclosures
Named to the 2023- 2025 Forbes Top Next-Gen Wealth Advisors Best-In-State Ranking
Forbes Top Next-Gen Wealth Advisors
Source: Forbes.com (Awarded Aug 2023, 2024 & 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of the year prior to the issuance of the award.
Awards Disclosures
Named to the 2023-2026 Forbes Best-in-State Wealth Management Teams Ranking
Forbes America’s Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of the year prior to the issuance of the award.
Awards Disclosures
Securities Agent: NJ, VT, PA, NC, FL, CT, VA, NY, KY, IN, MO, HI, GA, RI, CA, TX, NH, MD, IL, DC, TN, OR, DE, ME, NV, MA, WA, SC, OH, MN, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1042089
NMLS#: 1042089
About Jon Kempner
Jon Kempner has been a part of the financial services industry for over 30 years, a registered representative for 24 years, and joined Morgan Stanley in 2021. He is a goals-based advisor who helps high-net-worth clients understand and capitalize on strategies in investment management, risk reduction, wealth transfer and retirement income. Jon leads the team in identifying alternative investment opportunities while also overseeing life and long-term care insurance.
Jon holds the Certified Financial Planner (CFP) certification awarded by the Certified Financial Planner Board of Standards, Inc. and earned his Certified Private Wealth Advisor (CPWA) certification from the Investments and Wealth Institute at the University of Chicago’s Booth School of Business.
Jon graduated Rutgers University with a B.S. degree in Communications before earning an M.B.A. from the Wharton School at the University of Pennsylvania.
Jon lives in Florham Park and recently retired from softball after 30+ years playing in various local leagues to spend more time on the golf course. He is still questioning his decision.
Disclaimer:
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Jon holds the Certified Financial Planner (CFP) certification awarded by the Certified Financial Planner Board of Standards, Inc. and earned his Certified Private Wealth Advisor (CPWA) certification from the Investments and Wealth Institute at the University of Chicago’s Booth School of Business.
Jon graduated Rutgers University with a B.S. degree in Communications before earning an M.B.A. from the Wharton School at the University of Pennsylvania.
Jon lives in Florham Park and recently retired from softball after 30+ years playing in various local leagues to spend more time on the golf course. He is still questioning his decision.
Disclaimer:
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Securities Agent: KY, GA, WA, NH, DC, TX, RI, OR, MA, CT, SC, NV, MO, NJ, MD, VT, HI, FL, CO, CA, MN, IN, VA, OH, NC, ME, PA, NY, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 966358
NMLS#: 966358
About Grayson L. Librie
Grayson joined Morgan Stanley in 2021, leveraging his experience in the financial services industry as a wealth planner and investment associate at Merrill Lynch and the healthcare industry at Johnson & Johnson over the past decade. He works with clients in building customized wealth plans, designing strategic and tactical investment portfolio strategies, executing on capital market trading and facilitating client service requests. Grayson works directly with clients and reviews banking needs, pre and post-retirement cash flow plans, in addition to leading the team in manager due diligence, analysis, client onboarding, and projects.
Grayson is a CFA® charterholder and holds the CERTIFIED FINANCIAL PLANNER™ certification, awarded by the Certified Financial Planner Board of Standards, Inc.
Grayson graduated Summa Cum Laude from the University of South Carolina where he was a Woodrow Scholar, earning a Bachelor’s degree in both Finance and Economics, with a minor in Information Technology. Outside of the office, Grayson enjoys staying active in the gym and spending time with his family.
Grayson is a CFA® charterholder and holds the CERTIFIED FINANCIAL PLANNER™ certification, awarded by the Certified Financial Planner Board of Standards, Inc.
Grayson graduated Summa Cum Laude from the University of South Carolina where he was a Woodrow Scholar, earning a Bachelor’s degree in both Finance and Economics, with a minor in Information Technology. Outside of the office, Grayson enjoys staying active in the gym and spending time with his family.
Contact Dominick R. Scavelli
Contact Jon Kempner
Hear From Our Clients
Referrals can be a double-edged sword—when they work out, it’s wonderful; when they don’t, it can be uncomfortable. Dominick was referred to me by a friend more than a decade ago and today I continue to understand why. He and his team have consistently proven themselves in guiding my portfolio and financial planning work with an unwavering commitment to professionalism, wisdom, and my family's best interests. His steady hand and genuine care have earned my complete trust and confidence.
Rick & Nuda
Verified ClientOctober 19, 2025
Dom and his team have been fantastic from the first day we did an exploratory call. Started with being a good listener to thoughtful dialogue, and felt like we were understood as we discussed our professional, personal, and financial goals. Furthering this thoughtful approach, it evolved into an engagement that included a strategic approach in managing to meet our goals. Communication and engagement is on-going. The team practices proactively, and high character and integrity is in the DNA.
Akin & Cyndi
Verified ClientOctober 19, 2025
Dominick and his team continue to exceed my expectations with respect to my financial goals and needs. They really understand my personal goals and have designed a plan that we review every quarter. Its not just the successful and comprehensive financial plans that separates Dominick and team from everyone else, it’s their guidance and attention to my details!
Mitch
Verified ClientOctober 19, 2025
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
5285589 3/2026
Awards and Recognition
Forbes Best-In-State Wealth Advisors
2024-2026 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2024-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes America's Top Wealth Management Teams
2023-2026 Forbes America's Top Wealth Management Teams Source: Forbes.com (Awarded 2023-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year the award was issued.
Forbes Top Next-Gen Wealth Advisors Best-In-State
2023-2025 Forbes Top Next-Gen Wealth Advisors Best-in-State Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
3
Wealth Management
From Our Team
Award Press Release: Forbes Best-in-State Wealth Management Teams 2024
Wealth Management
Global Investment Office
Portfolio Insights
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
Article Image
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
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact The Scavelli Kempner 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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3When 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
7Morgan 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.
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 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
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.
11When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3When 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
7Morgan 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.
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 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
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.
11When 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.
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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.
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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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
