Jack R Dandrea
The Evergreen Group at Morgan Stanley
Jack R DandreaChristopher M Scoletti, CFP®, CPWA®Matthew M Scoletti, CFP®Jessica Sidary Lepore, CFP®
Direct:
(412) 373-3100(412) 373-3100
Toll-Free:
(800) 966-7908(800) 966-7908
Industry Award WinnerOur Mission Statement
Our mission is to forge lifelong client relationships built on a foundation of dedication, experience, and caring service. We provide customized financial planning strategies that help enable clients to achieve financial goals through an integrated team-based approach.
Welcome
Our team’s name reflects the enduring symbolism of the evergreen, which is embodied through our professional relationships and personal friendships with clients. Throughout history, the evergreen is renowned for its endurance and vitality through harsh, changing conditions, and is often associated with hope, renewal and protection. All of these are central to the investment and financial planning stewardship we strive for every day.
Our foundation is built on planning with a focus on portfolio construction, retirement income and estate planning strategies. We also address the complex wealth management challenges associated with legacy planning and charitable giving.
While our team serves a broad range of clients, we frequently consult with highly accomplished professionals, such as physicians, corporate executives, business owners and their families, attorneys and accountants. Our clients appreciate the extensive knowledge and long-term stability offered by our team; we collectively have over 80 years of experience in the industry with the majority of those at Morgan Stanley.
The Evergreen Group’s process begins with a deeply engaged discovery methodology that explores your needs, concerns and objectives. This facilitates our ability to deliver customized, impactful planning that highlights your accumulation and distribution phases using strategies related to asset allocation, tax-loss harvesting and income-smoothing.
Our long-term approach to investing seeks to harmonize your planning needs with your investment portfolio. When constructing your portfolio, we leverage the world-class resources available through Morgan Stanley to identify and employ best-in-class investment managers, along with strategic alternative investments. As part of our client-centric approach, we’ll serve as your financial quarterback and coordinate matters with your estate attorney and CPA to better ensure all aspects of wealth management are integrated into your planning for today and tomorrow.
Disclosures
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters.
Tax-loss harvesting. IRS rules stipulate that if a security is sold by an investor at a tax loss, the tax loss will not be currently usable if the investor has acquired (or has entered into a contract or option on) the same or substantially identical securities 30 days before or after the sale that generated the loss. This so-called “wash sale” rule is applied with respect to all of the investor’s transactions across all accounts.
Our foundation is built on planning with a focus on portfolio construction, retirement income and estate planning strategies. We also address the complex wealth management challenges associated with legacy planning and charitable giving.
While our team serves a broad range of clients, we frequently consult with highly accomplished professionals, such as physicians, corporate executives, business owners and their families, attorneys and accountants. Our clients appreciate the extensive knowledge and long-term stability offered by our team; we collectively have over 80 years of experience in the industry with the majority of those at Morgan Stanley.
The Evergreen Group’s process begins with a deeply engaged discovery methodology that explores your needs, concerns and objectives. This facilitates our ability to deliver customized, impactful planning that highlights your accumulation and distribution phases using strategies related to asset allocation, tax-loss harvesting and income-smoothing.
Our long-term approach to investing seeks to harmonize your planning needs with your investment portfolio. When constructing your portfolio, we leverage the world-class resources available through Morgan Stanley to identify and employ best-in-class investment managers, along with strategic alternative investments. As part of our client-centric approach, we’ll serve as your financial quarterback and coordinate matters with your estate attorney and CPA to better ensure all aspects of wealth management are integrated into your planning for today and tomorrow.
Disclosures
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters.
Tax-loss harvesting. IRS rules stipulate that if a security is sold by an investor at a tax loss, the tax loss will not be currently usable if the investor has acquired (or has entered into a contract or option on) the same or substantially identical securities 30 days before or after the sale that generated the loss. This so-called “wash sale” rule is applied with respect to all of the investor’s transactions across all accounts.
Services Include
- Financial PlanningFootnote1
- Cash Management and Lending ProductsFootnote2
- Wealth PlanningFootnote3
- AnnuitiesFootnote4
- Professional Portfolio ManagementFootnote5
- Qualified Retirement PlansFootnote6
- Retirement PlanningFootnote7
- Life InsuranceFootnote8
- Estate Planning StrategiesFootnote9
- Stock Option PlansFootnote10
- 529 PlansFootnote11
- Philanthropic ManagementFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Evergreen Group Difference
As your dedicated Financial Advisors, our role is to tailor a financial strategy that reflects your unique circumstances and objectives. With over twenty years of experience, we have developed a step-by-step approach towards serving our clients:
1) Discovery Process
We take time to fully understand you and your family. This includes taking a look at financial considerations, such as your current assets, balance sheet, cash flow, spending habits, tax situation and insurance needs. But it goes well beyond that. We also want to know what motivates you or brings you fulfillment, whether it’s related to family, philanthropic endeavors, travel, personal interests or a number of other matters. Having this holistic perspective helps us develop your tailored financial roadmap for the present and future.
2) Forming Your Strategy
Using your life goals as our compass, we leverage Morgan Stanley’s Goals Based Planning System (GPS) and Lifeview Plan to create a risk-balanced asset allocation and portfolio management strategy to help guide you towards success.
3) Implementing Your Plan
We pair extensive investment research and planning analysis with the resources of Morgan Stanley to provide prudent and proactive advice with the goal of encompassing changes that may impact our approach such as with personal circumstances and the financial environment.
4) Measuring Your Success
We employ a disciplined process for conducting periodic reviews of your plan, and will regularly meet with you to share metrics around your portfolio and the capital markets environment. Ultimately, we’ll measure your progress towards your planning goals of comfort, success and well-being into and throughout retirement. We’ll also use these opportunities to continue to educate you about financial matters that could impact you in the near term or future.
5) Ongoing Support
We’ll introduce you to digital tools that can enhance your relationship with the Evergreen Group. Through Morgan Stanley Online, you can securely manage your investments and everyday finances at any time from your desktop, tablet or smart phone. This includes accessing account information, aggregating outside financial accounts, making deposits, tracking spending, creating custom budgets, storing important documents, initiating trades/transfers and receiving account alerts.
We’ll also have you meet with Liz Horn, our Client Service Associate. As the primary administrative point of contact for clients, Liz is an integral part of our client service experience.
We’ll also have you meet with Liz Horn, our Client Service Associate. As the primary administrative point of contact for clients, Liz is an integral part of our client service experience.
INDIVIDUAL PLANS FOR INDIVIDUALS LIKE YOU:
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisors, we can help you achieve your financial goals.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Portfolio Risk Tool
The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management’s platform to help improve the quality, transparency, and efficiency of the end to end risk management processes for the Firm and our Clients.
Goals Planning System (GPS)
Goals-Based Wealth Management means that we aim to understand what is important to you and work together to map out a plan that can help you achieve your financial goals.
Retirement Planning
The decisions you make about your workplace retirement plan can benefit you for years to come. We’ll help you understand and put your resources to work, so you can plan, invest, and ultimately transition to retirement with confidence.
Financial Planning Questionnaire
This questionnaire will help us create a personalized
strategy for you and can enhance our conversation
around your long-term goals.
Click Here to Completestrategy for you and can enhance our conversation
around your long-term goals.
Education Planning
With education costs rising, paying for college has become a major life expense that requires smart planning.
Intelligent Withdrawals
We use state-of-the-art tools that recommend the most tax-efficient way to liquidate assets.
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential, manage unrealized gains and help keep more of what you earn.
Learn More
How Will You Pay Your Tax Bill?
There are a variety of options to paying your tax bill. Learn some of the pros and cons for each.
Common Approaches to Managing the Payment
Pittsburgh Five Star Wealth Manager 2022-2024
Jack was selected as one of Pittsburgh's Five-Star Wealth Managers in 2022, 2023, and 2024. This award is determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific timeframe.
To receive the Five Star Wealth Manager award, a wealth manager must satisfy 10 objective eligibility and evaluation criteria that are associated with wealth managers who provide quality services to their clients. Factors taken into account include assets under management and client retention rate. Candidates also undergo a thorough regulatory and complaint review.
2022-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2022-2023) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2022 Award - 09/27/21 - 3/25/22
2023 Award - 09/12/22 - 3/31/23
2024 Award - 09/12/23 - 3/29/24.
To receive the Five Star Wealth Manager award, a wealth manager must satisfy 10 objective eligibility and evaluation criteria that are associated with wealth managers who provide quality services to their clients. Factors taken into account include assets under management and client retention rate. Candidates also undergo a thorough regulatory and complaint review.
2022-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2022-2023) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2022 Award - 09/27/21 - 3/25/22
2023 Award - 09/12/22 - 3/31/23
2024 Award - 09/12/23 - 3/29/24.
CFP® - CERTIFIED FINANCIAL PLANNER™
Christopher, Matt, and Jess all maintain their CERTIFIED FINANCIAL PLANNER™ certification. CERTIFIED FINANCIAL PLANNER™ is a formal license that recognizes experience in the areas of financial planning, including tax, insurance and retirement planning strategies. CFP® professionals meet rigorous education and ethical standards. They’re trained in 72 areas of financial knowledge, and must accrue thousands of hours of experience prior to earning their certification. Additionally, CFP® professionals are committed to placing their clients’ best interests first.
Putting your entire financial life into a clear picture isn’t easy. CFP® professionals are skilled at doing this, including how to balance your short-term goals with your long-term objective of retirement security. That’s why working with a CFP® professional can be so valuable for individuals seeking comprehensive financial planning.
Putting your entire financial life into a clear picture isn’t easy. CFP® professionals are skilled at doing this, including how to balance your short-term goals with your long-term objective of retirement security. That’s why working with a CFP® professional can be so valuable for individuals seeking comprehensive financial planning.
2024 & 2025 Forbes Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024 & 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.
Source: Forbes.com (Awarded 2024 & 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.
Certified Private Wealth Advisor® (CPWA®)
As a Certified Private Wealth Advisor® (CPWA®), Christopher completed the advanced education and certification program for financial planners and financial advisors who work with high-net-worth clients on the life-cycle of wealth: accumulation, preservation, and distribution. Candidates who earn the certification learn to identify and analyze challenges high-net-worth individuals face, and understand how to develop specific strategies to help manage taxes, monetize and preserve assets, potentially maximize growth, and transfer wealth.
Morgan Stanley Pacesetter's Club
Jess is part of a global recognition program for Financial Advisors who demonstrate the highest professional standards and first-class client service within their first five years.
Senior Investment Management Consultant
Jack maintains the Senior Investment Management Consultant title which is given to advisor professionals who have a commitment to client advisory relationships and have been able to demonstrate investment consulting and service excellence.
Community Involvement
Christopher currently serves as the immediate past President of the Board of Directors for Catholic Charities, Diocese of Pittsburgh where he's been a Board Director for 8 years. As a cancer survivor, his 'beautiful journey' helped frame a deeper appreciation for life, his career, and the joy of working with others for a common cause.
Jess is a volunteer of the McMurray Rotary Club where she is able to channel her passions for service and humanitarian causes.
Jess is a volunteer of the McMurray Rotary Club where she is able to channel her passions for service and humanitarian causes.
2023 Toastmaster Speech Contest District Champion
Matt won 4 separate levels of this speech contest and bested hundreds of other speakers to become District Champion
Personal Development
In 2019, Matt fell in love with running and has run over 100 marathons since this journey began.
Explore our exclusive events section to discover unique opportunities and stay informed about the latest happenings at the firm. Keep up to date with our curated selection of events designed to enhance your experience and engagement with Morgan Stanley.
Beyond the Fairway: Insights from Justin Rose
Join Morgan Stanley for an exclusive virtual fireside chat featuring Vince Lumia, Head of Wealth Management Client Segments, and Justin Rose , renowned professional golfer, Olympic gold medalist and Morgan Stanley Brand Ambassador. Justin will provide exclusive insights into:
• His storied career journey
• Key strategies that have contributed to his success in golf, including this summer's FedEx St. Jude Championship playoff win
• Upcoming Ryder Cup at Bethpage Black where he will be playing for Team Europe
• The mental and physical preparation required for major tournaments
Watch Replay• His storied career journey
• Key strategies that have contributed to his success in golf, including this summer's FedEx St. Jude Championship playoff win
• Upcoming Ryder Cup at Bethpage Black where he will be playing for Team Europe
• The mental and physical preparation required for major tournaments
Exclusive Event: The Impact of AI Robots on the Economy
Join Wealth Management's Global Head of Thematic & Macro Investing Ellen Zentner for a fireside chat with Morgan Stanley's Head of Global Autos and Shared Mobility Research Adam Jonas for a conversation on the rapid transition of artificial intelligence into the physical world. This conversation will cover:
• What is a humanoid robot and why is embodied AI rapidly advancing
• How the intersection of AI and the physical economy will change the way the world does business
• Which sectors and industries stand to benefit from this investment trend
• What this transformation means for investors and key portfolio considerations
Watch Replay• What is a humanoid robot and why is embodied AI rapidly advancing
• How the intersection of AI and the physical economy will change the way the world does business
• Which sectors and industries stand to benefit from this investment trend
• What this transformation means for investors and key portfolio considerations
Location
1 Monroeville Center
Suite 1010
Monroeville, PA 15146
US
Direct:
(412) 373-3100(412) 373-3100
Toll-Free:
(800) 966-7908(800) 966-7908
Meet The Evergreen Group
Christopher M Scoletti
Matthew M Scoletti
Jessica Sidary
Liz Horn
Client Service Associate
Phone:
(412) 380-8049(412) 380-8049
About Liz Horn
With more than two decades of experience in customer service and business management, and often the initial point-of-contact for clients, Liz is an integral member of the Evergreen Group.
Her strong passion for helping others aligns well with her role. Liz specializes in working with clients to meet their administrative needs, while supporting the team’s relationships on an ongoing basis. From all aspects of organizational due diligence to transactional support, she maintains a service model and open lines of regular communication necessary to support clients’ everyday needs. By heading the team’s digital integration strategy, Liz is able to help clients gain a better understanding of how to employ technology to integrate and simplify many of their administrative objectives.
As a Pittsburgh native, Liz enjoys reading, the culinary arts, traveling with friends and family, and is a huge Steelers fan!
Her strong passion for helping others aligns well with her role. Liz specializes in working with clients to meet their administrative needs, while supporting the team’s relationships on an ongoing basis. From all aspects of organizational due diligence to transactional support, she maintains a service model and open lines of regular communication necessary to support clients’ everyday needs. By heading the team’s digital integration strategy, Liz is able to help clients gain a better understanding of how to employ technology to integrate and simplify many of their administrative objectives.
As a Pittsburgh native, Liz enjoys reading, the culinary arts, traveling with friends and family, and is a huge Steelers fan!
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2024-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
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
About Tyson Abert
Tyson R. Abert is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Wisconsin, Northern Ohio and Western Pennsylvania.
Senior 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.
Tyson began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Development Manager and a Senior Relationship Manager at Wells Fargo’s Commercial Banking Services.
Tyson is a graduate of Illinois State University where he received a Bachelor of Science degree in Finance and Accounting, and Lake Forest Graduate School of Management where he received a Master of Business Administration. He and his family currently reside right outside Milwaukee, Wisconsin. Outside of the office, Tyson enjoys golfing, hunting, boating, fishing, and spending time with his family.
Senior 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.
Tyson began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Development Manager and a Senior Relationship Manager at Wells Fargo’s Commercial Banking Services.
Tyson is a graduate of Illinois State University where he received a Bachelor of Science degree in Finance and Accounting, and Lake Forest Graduate School of Management where he received a Master of Business Administration. He and his family currently reside right outside Milwaukee, Wisconsin. Outside of the office, Tyson enjoys golfing, hunting, boating, fishing, and spending time with his family.
NMLS#: 362127
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact The Evergreen Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
3Morgan Stanley 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.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan 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.
6When 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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
11Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
12Products 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
3Morgan Stanley 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.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan 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.
6When 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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
11Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
12Products 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
