Judith A Schwartzbaum
Executive Director, Wealth Management, Financial Advisor, Senior Investment Management Consultant, Workplace Advisor - Equity Compensation
Phone:
(941) 364-7444(941) 364-7444
The Schwartzbaum Urfer Group at Morgan Stanley
Direct:
(941) 364-7444(941) 364-7444
Toll-Free:
(800) 237-9441(800) 237-9441
Our Mission Statement
A skilled and compassionate team of experienced Financial Advisors serving the comprehensive needs and concerns of families.
Our Story
For more than four decades, families have turned to us for help managing the financial complexities of their lives. You can count on us to tackle the broad range of your concerns and plan ahead for life’s unexpected challenges. Our complementary skills and credentials allow us to address your issues from different perspectives and provide comprehensive strategies for each unique situation.
As experienced wealth managers, we help you:
• Grow a career or business
• Plan for a comfortable retirement
• Secure the right educational experiences for your children and grandchildren
• Help family members pursue their dreams
• Thoughtfully manage your liabilities.
Above all, we treat your issues, challenges, hopes and dreams with the compassionate understanding of a trusted friend. We are dedicated to providing you with powerful, customized solutions that serve the unique dynamics, values and priorities of your family across generations.
As experienced wealth managers, we help you:
• Grow a career or business
• Plan for a comfortable retirement
• Secure the right educational experiences for your children and grandchildren
• Help family members pursue their dreams
• Thoughtfully manage your liabilities.
Above all, we treat your issues, challenges, hopes and dreams with the compassionate understanding of a trusted friend. We are dedicated to providing you with powerful, customized solutions that serve the unique dynamics, values and priorities of your family across generations.
Services Include
- AnnuitiesFootnote1
- Alternative InvestmentsFootnote2
- Asset Management
- Divorce Financial AnalysisFootnote3
- Endowments and FoundationsFootnote4
- Estate Planning StrategiesFootnote5
- Financial PlanningFootnote6
- Life InsuranceFootnote7
- Long Term Care InsuranceFootnote8
- Municipal BondsFootnote9
- Professional Portfolio ManagementFootnote10
- Retirement PlanningFootnote11
- Wealth ManagementFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Mission
Our primary focus is the well-being of your entire family.
We take care of the obvious areas, such as:
• Managing Taxes. We keep an eye on new opportunities to reduce your taxable income as your goals and finances evolve.
• Retirement Planning. We help you develop and implement a strategy based on your personal vision of retirement.
• Education Planning. We help you craft a plan to pay for a good education for your children or grandchildren.
• Family Concerns. We help you prepare for the possibility that your parents or other relatives may need assistance with health or living expenses now or in the future.
• Liquidity Needs. We work to maximize your options for having funds available when you need them.
• Insurance and Long-Term Care. We aim to ensure your family is protected during difficult times.
But, we’re also more than qualified to address complex issues that fall outside the bounds of a traditional advisory relationship, such as:
• Transferring a family business to the next generation
• Creating an estate plan to minimize the potential for sibling conflict
• Refining your philanthropic goals around tax-aware strategies
Addressing these multi-faceted concerns requires specialized knowledge, experience and commitment. We are fortunate to have a Family Wealth Management Advisor on our team. Tom Urfer’s advanced knowledge, coupled with our team’s many years of experience working with families, uniquely positions us to deliver a broader spectrum of family-centric wealth management solutions to you.
We take care of the obvious areas, such as:
• Managing Taxes. We keep an eye on new opportunities to reduce your taxable income as your goals and finances evolve.
• Retirement Planning. We help you develop and implement a strategy based on your personal vision of retirement.
• Education Planning. We help you craft a plan to pay for a good education for your children or grandchildren.
• Family Concerns. We help you prepare for the possibility that your parents or other relatives may need assistance with health or living expenses now or in the future.
• Liquidity Needs. We work to maximize your options for having funds available when you need them.
• Insurance and Long-Term Care. We aim to ensure your family is protected during difficult times.
But, we’re also more than qualified to address complex issues that fall outside the bounds of a traditional advisory relationship, such as:
• Transferring a family business to the next generation
• Creating an estate plan to minimize the potential for sibling conflict
• Refining your philanthropic goals around tax-aware strategies
Addressing these multi-faceted concerns requires specialized knowledge, experience and commitment. We are fortunate to have a Family Wealth Management Advisor on our team. Tom Urfer’s advanced knowledge, coupled with our team’s many years of experience working with families, uniquely positions us to deliver a broader spectrum of family-centric wealth management solutions to you.
Cybersecurity
Our highest priority is keeping your information protected. Morgan Stanley dedicates significant resources to protecting your assets and personal information.
- Strong encryption protocols designed to protect your data.
- Continuous monitoring to help detect and prevent fraud.
- Routine testing of our systems and security protocols.
- Independent review by outside security firms.
Cybersecurity Video- Strong encryption protocols designed to protect your data.
- Continuous monitoring to help detect and prevent fraud.
- Routine testing of our systems and security protocols.
- Independent review by outside security firms.
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors.
The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Digital Vault VideoThe Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
We are committed to ensuring that you understand and are comfortable with the financial markets and the recommendations we make on your behalf. Periodically, we offer opportunities for you to attend engaging and educational events that provide information and updates on the ever-changing world of finance.
Investors Forum is our annual educational event. We bring in speakers from around the country to address not only market related issues, but a wide variety of topics that may be of interest to you. Some of those topics have included how to talk about money with the next generation, the ways in which technology has changed jobs and investing, and how to protect yourself from identity theft and cyber-crimes.
We produce other, smaller events, which have focused on single issues such as current market updates, ESG investing, “Suddenly single – what you need to know if you are widowed or divorced,” trends and opportunities in alternative investments, 1031 tax changes for real estate, and new ways to get liquidity from appreciated real estate investments.
Investors Forum is our annual educational event. We bring in speakers from around the country to address not only market related issues, but a wide variety of topics that may be of interest to you. Some of those topics have included how to talk about money with the next generation, the ways in which technology has changed jobs and investing, and how to protect yourself from identity theft and cyber-crimes.
We produce other, smaller events, which have focused on single issues such as current market updates, ESG investing, “Suddenly single – what you need to know if you are widowed or divorced,” trends and opportunities in alternative investments, 1031 tax changes for real estate, and new ways to get liquidity from appreciated real estate investments.
Investors Forum 2026
Save the Date for the 20th Annual Investors Forum on Wednesday, February 4, 2026.
In The Press
Forbes Best-In-State Wealth Management Team (2025)
The Schwartzbaum Urfer Group Named to Forbes Best-In-State Wealth Management Team ListForbes Top Women Wealth Advisor Best-In-State (2025)
Judith Schwarzbaum Named to Forbes Top Women Wealth Advisor Best-In-State ListForbes Best-In-State Wealth Management Team (2023)
Schwartzbaum Urfer Group Named to Forbes Magazine's Best-In-State Wealth Management Teams ListForbes Best-In-State Wealth Advisors and Best-In-State Women Advisors (2022 and 2023)
Judith Schwartzbaum Named to Forbes Magazine's Best-In-State Wealth Advisors and Best-In-State-Women AdvisorsForbes Top 250 Women Wealth Advisors (2018)
Judith Schwartzbaum Named to Forbes Magazine's "Top 250 Women Wealth Advisors"Forbes Best-In-State Wealth Advisors (2018)
Judith Schwartzbaum Named to Forbes Magazines List of Americas Best-in-State Wealth Advisors2018-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2022-2025 Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2018, 2020-2021 Forbes America's Top Women Wealth Advisors (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (AWARDED 2018, 2020-2021). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Source: Forbes.com (Awarded 2018-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2022-2025 Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2018, 2020-2021 Forbes America's Top Women Wealth Advisors (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (AWARDED 2018, 2020-2021). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Location
2 North Tamiami Trail
Ste 1100
Sarasota, FL 34236
US
Direct:
(941) 364-7444(941) 364-7444
Toll-Free:
(800) 237-9441(800) 237-9441
Meet The Schwartzbaum Urfer Group
Thomas Z Urfer, CFP®
First Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager, Alternative Investments Director
Phone:
(941) 364-3567(941) 364-3567
Phone:
(941) 961-4503(941) 961-4503
Amanda Evans
Senior Registered Client Service Associate
Phone:
(941) 364-7445(941) 364-7445
Jillien Fry, Financial Planning Specialist
Wealth Management Analyst
Phone:
(941) 364-3528(941) 364-3528
About Judith A Schwartzbaum
Since 1985, I have helped families prepare for the most important things in their lives – college for children and grandchildren, planning for and funding their retirement years, and building contingencies for life’s unforeseen surprises. As the senior partner of The Schwartzbaum Urfer Group at Morgan Stanley, I ensure that our team focuses on all aspects of wealth because our clients have a lot more to manage than just their money. Our highly personalized and comprehensive wealth management strategies go beyond asset management. We build customized financial plans that incorporate estate and trust planning, charitable giving and long-term legacy plans, risk management contingencies, and provisions for helping family members. We coordinate our recommendations with our clients’ CPAs and attorneys to incorporate legal and tax planning considerations. Our team is committed to ongoing learning, for ourselves and for our clients. We work hard to ensure that our clients receive advice that matches their needs and that they understand and are comfortable with our recommendations
I grew up in Wisconsin and graduated from Wayland Academy in Beaver Dam, and then went on to earn a bachelor of arts degree from the University of Wisconsin-Madison and a master of arts degree from the University of Wisconsin-Milwaukee. I continue my education as a member of the Association of Professional Investment Consultants (APIC) and of the Portfolio Management Institute.
My family had vacationed in Sarasota since I was a teenager, so relocating to Sarasota in 1984 was an easy decision and transition. I was married to a retired physician, Dr. Leonard Schwartzbaum, who passed away in 2018. My family includes daughters Anne and Amy, son Daniel and grandchildren Katherine and Julia. My household also includes Reese, a yellow lab rescue dog, the newest member of my family. I have traveled extensively. My commitment to my family and to yours is the most important part of our Group’s mission statement.
I grew up in Wisconsin and graduated from Wayland Academy in Beaver Dam, and then went on to earn a bachelor of arts degree from the University of Wisconsin-Madison and a master of arts degree from the University of Wisconsin-Milwaukee. I continue my education as a member of the Association of Professional Investment Consultants (APIC) and of the Portfolio Management Institute.
My family had vacationed in Sarasota since I was a teenager, so relocating to Sarasota in 1984 was an easy decision and transition. I was married to a retired physician, Dr. Leonard Schwartzbaum, who passed away in 2018. My family includes daughters Anne and Amy, son Daniel and grandchildren Katherine and Julia. My household also includes Reese, a yellow lab rescue dog, the newest member of my family. I have traveled extensively. My commitment to my family and to yours is the most important part of our Group’s mission statement.
Securities Agent: IL, AZ, WA, MD, TX, NH, IA, OH, MT, MN, NC, MA, CO, UT, NY, MO, HI, GA, DE, DC, AL, SC, MS, VT, LA, AR, WI, MI, FL, VA, NJ, CA, PA, NV, ME, IN, CT; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1285402
CA Insurance License #: 0C99717
NMLS#: 1285402
CA Insurance License #: 0C99717
About Thomas Z Urfer
As a partner in The Schwartzbaum Urfer Group, I help ensure that our clients’ financial plans are structured to achieve their milestones and include contingencies for life’s unplanned events. I draw on my experience and credentialed knowledge to design strategies that prepare clients for a comfortable retirement, pay for children or grandchildren’s education, provide for aging parents and create a sustaining legacy. It gives me tremendous satisfaction when clients tell me that our work together helps them to sleep well at night.
I grew up in Sarasota, graduated with honors from the University of Florida and joined the Sarasota office of H&R Block Financial Advisors in 1999. Three years later, I was recruited by Merrill Lynch to join a new office in Palm Coast, Florida, located in Flagler County. I earned my CERTIFIED FINANCIAL PLANNER™ professional designation in 2006 and then teamed up with Judy Schwartzbaum when my family and I moved back home to Sarasota in 2009.
I stay active in the community through my involvement with the Sarasota County Gator Club, the UF Alumni Association and the Gulf Coast Leadership Institute. I am on the board of Riverview High School’s Alumni Hall of Fame and enjoy running the scoreboard for the basketball team’s home games. During my free time, I enjoy golfing, fishing, boating, kayaking, hiking and spending time with my two sons.
I grew up in Sarasota, graduated with honors from the University of Florida and joined the Sarasota office of H&R Block Financial Advisors in 1999. Three years later, I was recruited by Merrill Lynch to join a new office in Palm Coast, Florida, located in Flagler County. I earned my CERTIFIED FINANCIAL PLANNER™ professional designation in 2006 and then teamed up with Judy Schwartzbaum when my family and I moved back home to Sarasota in 2009.
I stay active in the community through my involvement with the Sarasota County Gator Club, the UF Alumni Association and the Gulf Coast Leadership Institute. I am on the board of Riverview High School’s Alumni Hall of Fame and enjoy running the scoreboard for the basketball team’s home games. During my free time, I enjoy golfing, fishing, boating, kayaking, hiking and spending time with my two sons.
Securities Agent: MO, LA, IA, DE, SC, OR, NV, MT, AR, RI, NH, MI, IN, GA, CO, HI, VT, SD, UT, MS, MD, MA, AZ, AL, TN, NY, NJ, NC, MN, DC, WI, WA, TX, IL, FL, VA, PA, ME, CT, CA, WV, OH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278819
CA Insurance License #: 0E93560
NMLS#: 1278819
CA Insurance License #: 0E93560
About Xochitl Napoles
I am a bilingual Financial Advisor and Financial Planning Specialist based in Sarasota, Florida, dedicated to helping individuals, families, and business owners build, protect, and preserve wealth with clarity and confidence.
As a female, multicultural, latina, I bring a global perspective and culturally aware approach to personalized financial planning and investment management.
I hold Series 7 and Series 66 securities licenses, as well as Life and Variable Annuity Insurance licenses, allowing me to provide comprehensive guidance across investments, retirement planning, risk management, and cash-flow strategies.
My financial services career began in Mexico in 2010, working with leading international institutions including BBVA, HSBC, and Vector Casa de Bolsa, supporting clients in Business Banking, Wealth Management, and Financial Advising. In 2016, I relocated to the United States, where I continued my career with Huntington Bank and J.P. Morgan, serving as both Private Banker and Branch Manager.
In 2021, I joined Morgan Stanley, where I focus in a holistic approach—understanding each client’s life goals, family dynamics, needs, and risk tolerance—to design customized investment and financial planning strategies aligned with their objectives.
Morgan Stanley's has named me part of the prestigious 2025 Pacesetter's Club, an elite group of the Firm's Financial Advisors.
I earned a double MBA from Universidad TecMilenio, with concentrations in Finance and Quality & Productivity, and I am fully bilingual in English and Spanish (español). I proudly serve Spanish-speaking and bilingual clients, as well as those seeking a female financial advisor who understands multicultural values and cross-border perspectives.
Beyond my practice, I am committed to giving back to the Sarasota community. I serve as an active Board Member of The Ringling Museum of Art Foundation and The Sarasota Cuban Ballet School, and I regularly support local cultural and philanthropic initiatives. In my free time, I enjoy speed skating and traveling, experiences that continue to shape my global outlook.
If you are looking for a trusted financial advisor in Sarasota, Florida, a bilingual Spanish-speaking financial advisor, or a multicultural female financial advisor who values relationships as much as results, I would be honored to connect.
As a female, multicultural, latina, I bring a global perspective and culturally aware approach to personalized financial planning and investment management.
I hold Series 7 and Series 66 securities licenses, as well as Life and Variable Annuity Insurance licenses, allowing me to provide comprehensive guidance across investments, retirement planning, risk management, and cash-flow strategies.
My financial services career began in Mexico in 2010, working with leading international institutions including BBVA, HSBC, and Vector Casa de Bolsa, supporting clients in Business Banking, Wealth Management, and Financial Advising. In 2016, I relocated to the United States, where I continued my career with Huntington Bank and J.P. Morgan, serving as both Private Banker and Branch Manager.
In 2021, I joined Morgan Stanley, where I focus in a holistic approach—understanding each client’s life goals, family dynamics, needs, and risk tolerance—to design customized investment and financial planning strategies aligned with their objectives.
Morgan Stanley's has named me part of the prestigious 2025 Pacesetter's Club, an elite group of the Firm's Financial Advisors.
I earned a double MBA from Universidad TecMilenio, with concentrations in Finance and Quality & Productivity, and I am fully bilingual in English and Spanish (español). I proudly serve Spanish-speaking and bilingual clients, as well as those seeking a female financial advisor who understands multicultural values and cross-border perspectives.
Beyond my practice, I am committed to giving back to the Sarasota community. I serve as an active Board Member of The Ringling Museum of Art Foundation and The Sarasota Cuban Ballet School, and I regularly support local cultural and philanthropic initiatives. In my free time, I enjoy speed skating and traveling, experiences that continue to shape my global outlook.
If you are looking for a trusted financial advisor in Sarasota, Florida, a bilingual Spanish-speaking financial advisor, or a multicultural female financial advisor who values relationships as much as results, I would be honored to connect.
Securities Agent: CA, NY, MS, TX, RI, MO, LA, GA, WV, OH, NH, SC, HI, FL, MI, IL, IA, VA, SD, NC, MD, DE, AZ, AR, WI, WA, MT, MN, IN, UT, PA, NJ, ME, MA, DC, OR, AL, TN, CT, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1560449
NMLS#: 1560449
About Amanda Evans
Amanda entered the financial services industry in 2017 with a background in marketing and customer service. Amanda has joined the team to help support our business operations and client needs. Amanda prides herself on delivering a truly personalized, concierge experience to every client. Amanda's prior experience includes onboarding new clients, processing existing client requests, resolving inquiries, handling estate needs, and preparing materials for client meetings. As a Senior Registered Client Services Associate, Amanda holds her Series 7 and 66 licenses and can execute client portfolio rebalancing and individual stock trades.
Prior to joining Morgan Stanley, Amanda worked at UBS and Baird. Amanda grew up in New Jersey and studied Communications and Math at the University of Colorado in Colorado Springs. She now enjoys an active lifestyle in Sarasota with her husband, Jamie, their daughter, Taylor, and their two dogs, Lana and Leo. She is a fitness enthusiast and will hardly turn down an invitation to run a 5k to support organizations. Amanda also enjoys participating in volunteer opportunities at Philippi Shores Elementary School, where her daughter is a student.
Prior to joining Morgan Stanley, Amanda worked at UBS and Baird. Amanda grew up in New Jersey and studied Communications and Math at the University of Colorado in Colorado Springs. She now enjoys an active lifestyle in Sarasota with her husband, Jamie, their daughter, Taylor, and their two dogs, Lana and Leo. She is a fitness enthusiast and will hardly turn down an invitation to run a 5k to support organizations. Amanda also enjoys participating in volunteer opportunities at Philippi Shores Elementary School, where her daughter is a student.
About Jillien Fry
Jillien joined Morgan Stanley in 2018 and has worked as a Wealth Advisor Associate and Training Specialist. Her previous roles have given her extensive experience with our financial planning tools and digital offerings like Morgan Stanley Online, Total Wealth View and Digital Vault. Jillien will be working with clients to create and update financial plans, as well as modernizing our clients' experience through digital tools.
Jillien has Bachelor's degrees in International Studies and Journalism from the University of Mississippi and a Master's degree in History of Art and Art World Practice from the University of Glasgow. Prior to joining Morgan Stanley, Jillien taught English in South Korea and worked in non-profit fundraising and marketing. Originally from Jackson, Mississippi, Jillien has lived in Sarasota since 2020. Outside of the office, she enjoys volunteering, traveling, and spending time with friends, family, and her dog, Juniper.
Jillien has Bachelor's degrees in International Studies and Journalism from the University of Mississippi and a Master's degree in History of Art and Art World Practice from the University of Glasgow. Prior to joining Morgan Stanley, Jillien taught English in South Korea and worked in non-profit fundraising and marketing. Originally from Jackson, Mississippi, Jillien has lived in Sarasota since 2020. Outside of the office, she enjoys volunteering, traveling, and spending time with friends, family, and her dog, Juniper.
Contact Judith A Schwartzbaum
Contact Thomas Z Urfer
Contact Xochitl Napoles
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
Justine Smale
Private Banker
About Justine Smale
Justine Smale is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.
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.
Justine began her career in financial services in 1992, and joined Morgan Stanley in 2016. Prior to joining the firm, she spent 21 years at Merrill Lynch and Bank of America and held many positions including Wealth Management Banker, Premier Client Manager, and Branch Manager.
Justine is a graduate of Florida International University, where she received a Bachelor of Arts in Business Administration, Business Management, and International Business with Magna Cum Laude distinction. She lives in Sarasota, Florida with her family.
Outside of the office, Justine donates her time volunteering for different organizations. She also enjoys being active, gardening, spending time outdoors, entertaining at home and spending time with family and friends.
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.
Justine began her career in financial services in 1992, and joined Morgan Stanley in 2016. Prior to joining the firm, she spent 21 years at Merrill Lynch and Bank of America and held many positions including Wealth Management Banker, Premier Client Manager, and Branch Manager.
Justine is a graduate of Florida International University, where she received a Bachelor of Arts in Business Administration, Business Management, and International Business with Magna Cum Laude distinction. She lives in Sarasota, Florida with her family.
Outside of the office, Justine donates her time volunteering for different organizations. She also enjoys being active, gardening, spending time outdoors, entertaining at home and spending time with family and friends.
NMLS#: 641860
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Wealth Management
From Our Team
19th Annual Investors Forum Save the Date
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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
Rational Investing in an Age of Uncertainty
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Schwartzbaum Urfer 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.
1Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative 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.
3Morgan 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
10Morgan 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.
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.
12Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative 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.
3Morgan 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
10Morgan 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.
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.
12Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
