Dominick R. Scavelli, CEPA®, CPWA®, CFP®
Executive Director, Financial Advisor, Senior Portfolio Management Director
Phone:
(973) 660-4664(973) 660-4664
The Scavelli Group at Morgan Stanley
Dominick R. Scavelli, CEPA®, CPWA®, CFP®Linda M. GelsonJon Kempner, CPWA®, CFP®Grayson L. Librie, CFP®, CFA
Direct:
(973) 660-4664(973) 660-4664
Our Mission Statement
To us, wealth is deeply personal. It's about trust, the opportunities it creates, the people it supports, and the legacy it leaves behind. Our mission is to help families navigate life's most important financial decisions with thoughtful advice, disciplined planning, and authentic relationships built to last generations.
Meet the People Behind The Practice
Financial advice is personal. We believe choosing an advisory team should be, too. Get to know the people behind The Scavelli Group and discover the relationships, values, and commitment that define who we are and how we serve our clients.
About Us: 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 Group
The Scavelli Group at Morgan Stanley is a comprehensive wealth management practice serving successful families across the country. With more than $1 Billion in assets under management and over 100 years of combined team experience, we serve entrepreneurs and business owners, corporate executives, professionals, retirees, multi-generational families and first-generation wealth builders. Our practice is built around long-term relationships and a deeply personal collaborative approach to helping clients navigate the complexities that come with significant wealth.
Our Core Principles - The Scavelli Group
At the Scavelli Group, our approach to wealth management is guided by four core principles: putting clients first, leading with comprehensive financial planning, maintaining a disciplined approach to investing and building strategies around each family's long-term goals. We believe our job extends beyond investment performance - it requires thoughtful planning, candid advice and enduring relationships built around the people and priorities that matter most to our clients.
Certifications, Designations & Awards
Our team brings decades of experience and a broad range of professional credentials to the families we serve. Members of The Scavelli Group at Morgan Stanley have been recognized by leading industry publications and hold advanced professional designations across financial planning, investment management, private wealth and business exit planning.
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.
We Help Families Navigate Significant Wealth - The Scavelli Group
The Scavelli Group at Morgan Stanley provides comprehensive financial planning and wealth management designed around the increasingly complex needs of successful families. Our capabilities span investment management, retirement and cash flow planning, trust and estate planning strategies, tax-aware planning, insurance and long-term care, charitable giving, business exit planning, lending solutions and next-generation financial education. By bringing these areas together within a coordinated financial plan, we help clients make informed decisions, manage risk and pursue their long-term goals with clarity and confidence.
Location
340 Mount Kemble Avenue
Morristown, NJ 07960
US
Direct:
(973) 660-4664(973) 660-4664
Meet The Scavelli Group
Linda M. Gelson
Executive Director, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(973) 236-3636(973) 236-3636
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
Juliana Trovato
Wealth Management Associate
Phone:
(973) 993-5241(973) 993-5241
About Dominick R. Scavelli
Dominick advises a select group of families in managing significant wealth through comprehensive financial planning, strategic portfolio management, tailored lending, and advanced trust, tax and wealth transfer strategies. He holds a particular focus in working with entrepreneurs and executives who rely heavily on his expertise in major liquidity events.
Dominick has been nationally recognized by Forbes as both a Best-In-State Wealth Advisor (2024-2026) and a Top Next-Gen Wealth Advisor (2019, 2023-2026). He’s also proud to have had 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 carries 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.
Out of the office, Dominick and his high school sweetheart, Erica, live in Chatham, NJ where they spend most of their free time with their 5 children. When time permits, Dominick enjoys a round of golf and loves playing in local softball and basketball leagues, often with his favorite fans cheering him on.
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 2024-2026). 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
Named to the 2023-2026 Forbes Top Next-Gen Wealth Advisors Best-In-State Ranking
Forbes Top Next-Gen Wealth Advisors
Source: Forbes.com (Awarded Aug 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
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
Dominick has been nationally recognized by Forbes as both a Best-In-State Wealth Advisor (2024-2026) and a Top Next-Gen Wealth Advisor (2019, 2023-2026). He’s also proud to have had 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 carries 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.
Out of the office, Dominick and his high school sweetheart, Erica, live in Chatham, NJ where they spend most of their free time with their 5 children. When time permits, Dominick enjoys a round of golf and loves playing in local softball and basketball leagues, often with his favorite fans cheering him on.
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 2024-2026). 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
Named to the 2023-2026 Forbes Top Next-Gen Wealth Advisors Best-In-State Ranking
Forbes Top Next-Gen Wealth Advisors
Source: Forbes.com (Awarded Aug 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
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: MI, RI, CA, NV, MA, WA, SC, OH, MN, CO, NJ, ME, TX, NH, MD, IL, DC, TN, OR, DE, VT, PA, NC, FL, VA, NY, KY, IN, MO, HI, GA, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1042089
NMLS#: 1042089
About Linda M. Gelson
A longtime financial advisor, Linda recently joined her successful practice to The Scavelli Group at Morgan Stanley. Linda came to Morgan Stanley from UBS where she earned the Portfolio Manager designation and was a member of the President’s and Director’s Council for many years. As a Portfolio Management Director at Morgan Stanley and in her fourth decade working in the financial services industry, Linda brings a tremendous amount of experience and knowledge in helping clients with their comprehensive wealth planning and investment management needs.
In addition to her financial experience, the cornerstone of Linda’s service commitment is to offer clients distinctive, caring, and personalized attention. Each client relationship begins with careful consideration of their long-term financial objectives and life aspirations. Linda seeks to grow her client relationships by continuously striving to transcend their expectations, instill value, and assist in leaving a legacy for the people that matter most in their lives.
Linda lives in Westfield, NJ where she raised her son. Outside the office, Linda is very active in several charities that she supports. She also enjoys traveling and spending time with her family and friends.
In addition to her financial experience, the cornerstone of Linda’s service commitment is to offer clients distinctive, caring, and personalized attention. Each client relationship begins with careful consideration of their long-term financial objectives and life aspirations. Linda seeks to grow her client relationships by continuously striving to transcend their expectations, instill value, and assist in leaving a legacy for the people that matter most in their lives.
Linda lives in Westfield, NJ where she raised her son. Outside the office, Linda is very active in several charities that she supports. She also enjoys traveling and spending time with her family and friends.
Securities Agent: AL, WA, MS, CA, UT, NM, MO, IL, WY, NC, MD, DE, VA, TX, MA, RI, OR, MN, KY, ID, FL, AZ, SC, NV, NH, MI, HI, CO, PA, OH, NJ, NE, MT, GA, WI, TN, NY, DC, CT, VT, ME, LA, IN, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 2399341
NMLS#: 2399341
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: CT, SC, NV, MO, MI, NJ, MD, PA, NY, KY, GA, WA, NH, DC, ME, VT, IL, HI, FL, CO, CA, MN, IN, VA, OH, NC, TX, RI, OR, MA; 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 Linda M. Gelson
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
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
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact The Scavelli 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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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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Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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Awards Disclosures | Morgan Stanley
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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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
