Antoinette Seymour, CFP®, ChFC®
Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Advisor, Workplace Advisor – Equity Compensation, Senior Portfolio Manager, Portfolio Management Director
Phone:
(330) 491-4013(330) 491-4013
The Seymour Group at Morgan Stanley
Direct:
(330) 491-4013(330) 491-4013
Toll-Free:
(800) 755-8285(800) 755-8285
Industry Award WinnerOur Mission Statement
As your dedicated Financial Advisor, we seek to provide confidence and clarity in planning for your financial future.
“All financial success comes from acting on a plan.
A lot of financial failure comes from reacting to the market.”
- Nick Murray
“All financial success comes from acting on a plan.
A lot of financial failure comes from reacting to the market.”
- Nick Murray
ABOUT THE SEYMOUR GROUP AT MORGAN STANLEY
At The Seymour Group, we view ourselves as your financial stewards, bringing a disciplined process to smart wealth management, while helping make a meaningful difference in your life.
We are a multigenerational team serving the needs of multigenerational families. We understand the importance of family and the desire to pass assets and values down from one generation to the next. Above all, we listen intently to understand your concerns and priorities, so we can develop a personalized financial plan to help you enjoy the rewards of your wealth now and for the years ahead.
As we work together, you will experience a holistic approach that emphasizes ongoing education, proactive communication and transparency. We invest the time to get to know you, earning your trust and often your friendship.
We are a multigenerational team serving the needs of multigenerational families. We understand the importance of family and the desire to pass assets and values down from one generation to the next. Above all, we listen intently to understand your concerns and priorities, so we can develop a personalized financial plan to help you enjoy the rewards of your wealth now and for the years ahead.
As we work together, you will experience a holistic approach that emphasizes ongoing education, proactive communication and transparency. We invest the time to get to know you, earning your trust and often your friendship.
Services Include
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Financial PlanningFootnote3
- Retirement PlanningFootnote4
- Estate Planning StrategiesFootnote5
- Donor Advised Funds
- Alternative InvestmentsFootnote6
- Long Term Care InsuranceFootnote7
- Life InsuranceFootnote8
- Cash ManagementFootnote9
- Asset Management
- Trust ServicesFootnote10
- Planning for Education FundingFootnote11
- Corporate Retirement PlansFootnote12
- 401(k) Rollovers
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
We will work together using a process that focuses on you and your goals, integrating investment decisions with pressing financial needs and desired aspirations. Moreover, we will support you and your strategy with the resources and perspective of one of the world’s largest financial firms.
Charting a prudent course to financial independence requires a well-conceived personalized financial plan with defined long-term goals. Our consultative wealth advisory process was developed to help generate that plan. Its key steps are designed to result in a broad, cohesive plan for your financial future.
Charting a prudent course to financial independence requires a well-conceived personalized financial plan with defined long-term goals. Our consultative wealth advisory process was developed to help generate that plan. Its key steps are designed to result in a broad, cohesive plan for your financial future.
Discover
We will begin by discussing what matters most to you and what you want to accomplish with your wealth. In addition to your finances and investments, we will talk about you, your values, lifestyle, your worries and what you are passionate about.
Analyze
We will analyze your personal and financial information, assess risks, and identify potential threats to your financial health. Then we will present you with a comprehensive plan to help address your income and cash flow needs, borrowing requirements, asset preservation strategies, retirement planning, wealth transfer and philanthropy goals.
Implement
Our objective approach to implementing your plan will pay attention to how its various aspects can affect, help enhance and integrate with each other. When appropriate, we will suggest seeking additional in-depth advice on particularly complex planning, financial and family issues we have identified.
Review
We will review your portfolio together at your request. And when your circumstances change, we will work with you to revise your strategy and re position your assets to reflect your new needs and goals.
UNDERSTANDING YOUR EQUITY COMPENSATION NEEDS
Company-sponsored equity plans not only represent a significant investment in your employees and your company, but also may be challenging in the increasingly complex environment of comprehensive equity planning.
Evolving trends, changing regulations, and competing priorities of multiple constituents are just a few of the challenges companies face
when managing equity compensation programs. We provide a customized services model connecting you with the tools and resources to address these challenges and help achieve success.
We offer a wide range of services and employee engagement for publicly traded as well as privately held company stock plans, including:
- Restricted Stock and Restricted Stock Units
- Stock and Cash-Settled Stock Appreciate Rights
- Performance Stock and Performance Stock Units
- Time-Based and Performance-Based Cash Plans
- Non-Qualified and Incentive Stock Options
- 423 Qualified and Non-Qualified Employee Stock Purchase Plans
Jo Seymour holds the Workplace Advisor - Equity Compensation designation
Evolving trends, changing regulations, and competing priorities of multiple constituents are just a few of the challenges companies face
when managing equity compensation programs. We provide a customized services model connecting you with the tools and resources to address these challenges and help achieve success.
We offer a wide range of services and employee engagement for publicly traded as well as privately held company stock plans, including:
- Restricted Stock and Restricted Stock Units
- Stock and Cash-Settled Stock Appreciate Rights
- Performance Stock and Performance Stock Units
- Time-Based and Performance-Based Cash Plans
- Non-Qualified and Incentive Stock Options
- 423 Qualified and Non-Qualified Employee Stock Purchase Plans
Jo Seymour holds the Workplace Advisor - Equity Compensation designation
VALUABLE TOOLS AND RESOURCES:
Our extensive range of digital tools aims to improve every aspect of your financial life. Listed below are some of the technologies available for our clients. Additionally, we provide resources that simplify intricate financial analysis and research, making it easily understandable.
Women and Wealth
In a year in which we all have faced unparalleled change and transition, we felt there was no more important time to share a guide for women with you.
Click here to learn more
Protecting Yourself from Scams
During Tax Season be on the lookout for IRS-related scams. Criminals know that filing taxes can be complicated for consumers and that many tax payers are happy to pay others to file their taxes for them.
Click here to learn more
Online Security Center
At Morgan Stanley, ensuring the safety of your assets and personal information is one of our utmost concerns. Discover the security measures we have in place and take advantage of our resources and insights to effectively safeguard yourself on the internet.
Learn More About Online Security Center
Morgan Stanley Online
Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App give you quick and convenient access to your investments and everyday finances. With just a few clicks, you can manage your financial matters anytime, anywhere.
Learn More About MSO
On The Markets Research Report
In-depth insights provided by Morgan Stanley's experts on various subjects including worldwide stocks, fixed income, monetary policies, and other relevant topics.
Read The Latest Report
2026 Federal Tax Tables
2026 Federal Tax Table to assist you and your family in your investment decisions.
See 2026 Tax Tables Here
The Seymour Group Newsletter
Click here to access
One Big Beautiful Bill Cheat Sheet
In this cheat sheet we outline some of the most frequently discussed tax provisions included in the One Big Beautiful Bill Act.
View Cheat Sheet Here
Named #19 Forbes Best-In-State Wealth Management Team for 2026
After three back-to-back years of strong S&P 500 returns, investors are facing a more nuanced market environment. Elevated valuations, shifting interest-rate expectations and increased geopolitical risks have pushed many advisors to focus less on chasing performance and more on managing risk and cash flow. In response, wealth-management teams are leaning into disciplined asset allocation, diversified income strategies and selective exposure to private markets. At the same time, client needs continue to grow more complex—from business liquidity events and executive compensation planning to multigenerational wealth transfer and tax efficiency. The Forbes | SHOOK Best-In-State Wealth Management Teams list spotlights advisory teams equipped to navigate that complexity. The fourth annual ranking features more than 6,100 teams overseeing a combined $8.3 trillion in client assets. The list was compiled by SHOOK Research using quantitative data and qualitative insights, including interviews with candidates nominated by their firms.
Location
4455 Dressler Rd NW
Ste 202
Canton, OH 44718
US
Direct:
(330) 491-4013(330) 491-4013
Toll-Free:
(800) 755-8285(800) 755-8285
Meet The Seymour Group
Aaron Good
Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(330) 491-4031(330) 491-4031
Brandi Good
Client Service Associate
Phone:
(330) 491-4013(330) 491-4013
Cady Crow
Client Service Associate
Phone:
(330) 491-4013(330) 491-4013
Carol Hoffman
Wealth Management Associate
Phone:
(330) 491-4013(330) 491-4013
About Antoinette Seymour
With more than 35 years of industry experience, Jo focuses on helping clients identify risks that can impede their ability to achieve important life as well as financial goals. Through comprehensive financial planning that focuses on retirement, estate and education planning strategies, she helps them understand what “possible” can look like and achieve their dreams through an educational and process driven approach.
Jo was introduced to financial services through a lifelong friend who worked in the industry. She immediately fell in love with the fast-paced environment and what opportunities the industry had to offer. Jo joined the firm officially and worked her way up through many different roles to include operations, service and eventually management. With the ultimate desire to work directly with clients and obtain her CFP® certification, Jo made an important career decision to join Morgan Stanley as a Financial Advisor. As a founding member of The Seymour Group, Jo spent the next 20 year’s building a multiple-member, successful financial planning practice that helps individuals, families and business owners solve problems and manage wealth more effectively.
An education advocate, Jo remains committed to advanced learning for herself, her team members and her clients. A Malone University graduate and attendee of The American College of Financial Planning, she has earned some of the industry’s most prestigious designations, including Certified Financial Planner (CFP®) and Chartered Financial Consultant® (ChFC®). Throughout her career, she has also received numerous awards. Which include two years in Morgan Stanley’s Pacesetters Club (2002 and 2003), along with achievement into the firm’s Century Club standings (2018). Most recently, Jo was honored to be recognized by Forbes as one of “America’s Top Woman Wealth Advisors- Best in State” for 2022.
An Ohio native, Jo believes balance is vital to a happy life. She and her husband, Dan, have been married for 41 years and live in Massillon. Their daughter, Brandi, and son-in-law, Aaron, are vital members of the team, making it a family wealth management practice in more ways than one. Outside of the office, Jo is an active member of the Massillon Woman’s Club. She is a past president and former board member of the Kiwanis Club of Norton. In her free time, Jo likes to travel to experience new places and cultures with her family. She enjoys camping, going to beach and an occasional motorcycle ride.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23.
Jo was introduced to financial services through a lifelong friend who worked in the industry. She immediately fell in love with the fast-paced environment and what opportunities the industry had to offer. Jo joined the firm officially and worked her way up through many different roles to include operations, service and eventually management. With the ultimate desire to work directly with clients and obtain her CFP® certification, Jo made an important career decision to join Morgan Stanley as a Financial Advisor. As a founding member of The Seymour Group, Jo spent the next 20 year’s building a multiple-member, successful financial planning practice that helps individuals, families and business owners solve problems and manage wealth more effectively.
An education advocate, Jo remains committed to advanced learning for herself, her team members and her clients. A Malone University graduate and attendee of The American College of Financial Planning, she has earned some of the industry’s most prestigious designations, including Certified Financial Planner (CFP®) and Chartered Financial Consultant® (ChFC®). Throughout her career, she has also received numerous awards. Which include two years in Morgan Stanley’s Pacesetters Club (2002 and 2003), along with achievement into the firm’s Century Club standings (2018). Most recently, Jo was honored to be recognized by Forbes as one of “America’s Top Woman Wealth Advisors- Best in State” for 2022.
An Ohio native, Jo believes balance is vital to a happy life. She and her husband, Dan, have been married for 41 years and live in Massillon. Their daughter, Brandi, and son-in-law, Aaron, are vital members of the team, making it a family wealth management practice in more ways than one. Outside of the office, Jo is an active member of the Massillon Woman’s Club. She is a past president and former board member of the Kiwanis Club of Norton. In her free time, Jo likes to travel to experience new places and cultures with her family. She enjoys camping, going to beach and an occasional motorcycle ride.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23.
Securities Agent: MO, MD, PA, CA, KY, IL, OR, MS, FL, WA, SC, OH, NC, AL, UT, MI, NY, DC, CO, AZ, NV, GA, TX, ID, VA, NJ; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
About Aaron Good
Aaron Good is a Financial Advisor who plays an increasingly strategic role in the continued growth and evolution of the team’s practice. Aaron remains focused on delivering a disciplined, holistic wealth management experience grounded in thoughtful planning and long-term relationships.
Aaron focuses in working with financially successful individuals and families, helping them navigate complexity with clarity and confidence. His approach integrates investment management, risk considerations, tax awareness, retirement planning, and legacy strategies into a cohesive financial framework. By aligning each element of a client’s financial life, he delivers customized strategies designed to help support both immediate priorities and multigenerational goals.
Known for his steady leadership and analytical perspective, Aaron is deeply committed to a goals-based planning philosophy. He begins every relationship by listening carefully and asking insightful questions, building a foundation of understanding that guides the development of comprehensive, adaptable strategies. He believes that true advisory relationships are built on mutual respect, transparency, and consistent communication — values that underpin every client interaction.
Before entering the financial services industry, Aaron spent more than 14 years in a high-performance customer service environment at what is now a national company. That experience shaped his commitment to operational excellence, responsiveness, and delivering an elevated client experience.
Aaron graduated Magna Cum Laude from Franklin University with a bachelor’s degree in Financial Planning. He holds the Financial Planning Specialist designation, along with his Series 7, Series 66, and Insurance licenses.
He resides in Perry Township with his wife and colleague, Brandi, and their two children, Lucas and Lexi. Outside the office, Aaron enjoys traveling, camping, and spending time with his family.
Morgan Stanley Smith Barney LLC 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 visit us at https://advisor.morganstanley.com/the-seymour-group or consult with your Financial Advisor to understand these differences. CRC 4665150 02/27
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.
Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 5247251 8/27
Aaron focuses in working with financially successful individuals and families, helping them navigate complexity with clarity and confidence. His approach integrates investment management, risk considerations, tax awareness, retirement planning, and legacy strategies into a cohesive financial framework. By aligning each element of a client’s financial life, he delivers customized strategies designed to help support both immediate priorities and multigenerational goals.
Known for his steady leadership and analytical perspective, Aaron is deeply committed to a goals-based planning philosophy. He begins every relationship by listening carefully and asking insightful questions, building a foundation of understanding that guides the development of comprehensive, adaptable strategies. He believes that true advisory relationships are built on mutual respect, transparency, and consistent communication — values that underpin every client interaction.
Before entering the financial services industry, Aaron spent more than 14 years in a high-performance customer service environment at what is now a national company. That experience shaped his commitment to operational excellence, responsiveness, and delivering an elevated client experience.
Aaron graduated Magna Cum Laude from Franklin University with a bachelor’s degree in Financial Planning. He holds the Financial Planning Specialist designation, along with his Series 7, Series 66, and Insurance licenses.
He resides in Perry Township with his wife and colleague, Brandi, and their two children, Lucas and Lexi. Outside the office, Aaron enjoys traveling, camping, and spending time with his family.
Morgan Stanley Smith Barney LLC 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 visit us at https://advisor.morganstanley.com/the-seymour-group or consult with your Financial Advisor to understand these differences. CRC 4665150 02/27
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.
Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 5247251 8/27
Securities Agent: GA, AZ, OH, NY, VA, PA, IL, CA, TX, MO, AL, NV, SC, NC, ID, FL, WA, MD, MS, KY, UT, OR, NJ, MI, DC, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 2315783
NMLS#: 2315783
About Brandi Good
An experienced financial services professional since 2012, Brandi’s primary responsibilities include effectively managing all logistics of the team’s busy schedules to assure continuous communication, which is vitally important to helping clients stay on track with achieving their goals. She interacts with clients to collect important information for creating and maintaining their financial plans, as well as following up to help ensure activities are completed in a timely fashion.
Growing up in Norton, OH, Brandi learned firsthand about the power of top-notch service through financial planning from her mother, Jo Seymour. Prior to joining Morgan Stanley, Brandi worked several years at Prudential Securities in both service and administrative roles. Brandi’s talents lie within her ability to take on and organize challenges that allow clients to have the most positive experience. She enjoys building longstanding relationships with clients through daily interactions and tailored events. Over the years, she has continued to build very special connections with them.
Today, Brandi lives in Perry Township with her husband, Aaron, who is a Financial Advisor on the team. Married for nearly 14 years, they have two children, Lucas, and Lexi, who keep them busy with their many activities. Brandi is currently the Booster Club President for her daughter’s dance competition team focusing on funding and organization. Outside of the office, Brandi and Aaron enjoy traveling as a family. They are also avid campers and like to spend their summer weekends travelling and exploring new places.
Growing up in Norton, OH, Brandi learned firsthand about the power of top-notch service through financial planning from her mother, Jo Seymour. Prior to joining Morgan Stanley, Brandi worked several years at Prudential Securities in both service and administrative roles. Brandi’s talents lie within her ability to take on and organize challenges that allow clients to have the most positive experience. She enjoys building longstanding relationships with clients through daily interactions and tailored events. Over the years, she has continued to build very special connections with them.
Today, Brandi lives in Perry Township with her husband, Aaron, who is a Financial Advisor on the team. Married for nearly 14 years, they have two children, Lucas, and Lexi, who keep them busy with their many activities. Brandi is currently the Booster Club President for her daughter’s dance competition team focusing on funding and organization. Outside of the office, Brandi and Aaron enjoy traveling as a family. They are also avid campers and like to spend their summer weekends travelling and exploring new places.
About Cady Crow
After nearly 7 years in the banking industry, Cady Crow, joined The Seymour Group as a Customer Service Associate in 2022. Cady’s dedication lies in customer service and training and development.
Cady previously worked at Huntington National Bank where she started her career as a teller and worked her way a Branch Service Manager. Her background in retail banking and business development brings a different perspective to the team. Her clients find that she is truly invested in their future, exhibits exceptional attention to detail, and eagerly works alongside them to help accomplish their goals.
Today, Cady lives in Perry Township with her Husband, Mark along with their son Charlie. In her free time, you can find Cady traveling with her family, camping or just exploring new places.
Cady previously worked at Huntington National Bank where she started her career as a teller and worked her way a Branch Service Manager. Her background in retail banking and business development brings a different perspective to the team. Her clients find that she is truly invested in their future, exhibits exceptional attention to detail, and eagerly works alongside them to help accomplish their goals.
Today, Cady lives in Perry Township with her Husband, Mark along with their son Charlie. In her free time, you can find Cady traveling with her family, camping or just exploring new places.
About Carol Hoffman
Drawing on more than 35 years of financial services experience, Carol is often the first line of contact on a wide range of client
services. A consummate professional, she is committed to providing each client with an exceptional level of personal service, integrity and attention to detail. Carol has been an important member of The Seymour Group at Morgan Stanley since joining the team in 2002.
From the largest task to the smallest request, Carol works diligently to exceed client expectations. Her core responsibilities are essential to enabling the team to carry out its mission of helping financially successful individuals and families plan, invest and lead fulfilling
lives. She coordinates various client service activities, including onboarding new clients, consolidating investments to
Morgan Stanley, executing trade orders and transferring of funds at client requests. Carol began her career in financial services
at Prudential-Bache securities, working as both a Registered Associate and Operations Manager. She joined Morgan Stanley in 1990. Carol maintains her FINRA Series 7 and 66 licenses which provides a better ability to assist with client and advisor requests.
Originally from Parma, OH, Carol now lives in Canal Fulton with her husband, Troy. They have three grown children Sara, Gina & Kyle.
When away from the office, Carol enjoys reading and bird watching.
services. A consummate professional, she is committed to providing each client with an exceptional level of personal service, integrity and attention to detail. Carol has been an important member of The Seymour Group at Morgan Stanley since joining the team in 2002.
From the largest task to the smallest request, Carol works diligently to exceed client expectations. Her core responsibilities are essential to enabling the team to carry out its mission of helping financially successful individuals and families plan, invest and lead fulfilling
lives. She coordinates various client service activities, including onboarding new clients, consolidating investments to
Morgan Stanley, executing trade orders and transferring of funds at client requests. Carol began her career in financial services
at Prudential-Bache securities, working as both a Registered Associate and Operations Manager. She joined Morgan Stanley in 1990. Carol maintains her FINRA Series 7 and 66 licenses which provides a better ability to assist with client and advisor requests.
Originally from Parma, OH, Carol now lives in Canal Fulton with her husband, Troy. They have three grown children Sara, Gina & Kyle.
When away from the office, Carol enjoys reading and bird watching.
Contact Antoinette Seymour
Contact Aaron Good
Awards and Recognition
Forbes America's Top Women Wealth Advisors
2021-2025 Forbes America's Top Women Wealth Advisors (formerly referred to as Forbes Top Women Wealth Advisors) Source: Forbes.com (Awarded 2021-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in September of year prior to the issuance of the award.
Forbes Best-In-State Wealth Management Teams
2024-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisors
Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24.
Forbes Top Women Wealth Advisors Best-In-State
2022-2025 Forbes Top Women Wealth Advisors Best-In-State Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in September of year prior to the issuance of the award.
4
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
Joshua Gilbert
Private Banker
Jack Payne
Financial Planning Director, Vice President
About Joshua Gilbert
Joshua Gilbert is a Private Banker serving Morgan Stanley’s Wealth Management offices in Ohio.
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.
Joshua began his career in financial services in 2001 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Banking Client Manager at U.S. Bank. He also held numerous roles with progressive responsibilities at JPMorgan Chase Bank, where he notably served as a Branch Manager.
Joshua currently resides in Cincinnati, Ohio. Outside of the office, Joshua dedicates his time to various civic organizations focused on fostering the well-being of others, such as Lighthouse Youth & Family Services, and the Freestore Foodbank. In his spare time, Joshua enjoys traveling, hiking, skiing, and staying healthy and active.
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.
Joshua began his career in financial services in 2001 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Banking Client Manager at U.S. Bank. He also held numerous roles with progressive responsibilities at JPMorgan Chase Bank, where he notably served as a Branch Manager.
Joshua currently resides in Cincinnati, Ohio. Outside of the office, Joshua dedicates his time to various civic organizations focused on fostering the well-being of others, such as Lighthouse Youth & Family Services, and the Freestore Foodbank. In his spare time, Joshua enjoys traveling, hiking, skiing, and staying healthy and active.
NMLS#: 427087
About Jack Payne
Jack Payne is a vice president and financial planning director serving Morgan Stanley’s Wealth Management offices in northern Ohio and western Pennsylvania. Jack is responsible for helping financial advisors with their clients’ and prospects’ comprehensive financial planning needs.
Jack began his career in financial services in 1986 and joined Morgan Stanley in 2025. Prior to his current position, Jack was a managing director with PNC Capital Markets LLC and has over 15 years of comprehensive financial planning and wealth management experience as well as experience in corporate treasury, commercial lending and investment banking, including work with closely controlled privately held organizations. Jack has a BS in Finance with an Economics minor from Pennsylvania State University and an MBA in Finance and Entrepreneurship from the University of Rochester. Jack is a chartered financial analyst and CERTIFIED FINANCIAL PLANNER®. Jack lives in Sewickley, PA, with his wife Kelly. Jack enjoys golf, skiing, open water swimming and plays trumpet.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning, and other legal matters.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC# 4746687 08/2025
Jack began his career in financial services in 1986 and joined Morgan Stanley in 2025. Prior to his current position, Jack was a managing director with PNC Capital Markets LLC and has over 15 years of comprehensive financial planning and wealth management experience as well as experience in corporate treasury, commercial lending and investment banking, including work with closely controlled privately held organizations. Jack has a BS in Finance with an Economics minor from Pennsylvania State University and an MBA in Finance and Entrepreneurship from the University of Rochester. Jack is a chartered financial analyst and CERTIFIED FINANCIAL PLANNER®. Jack lives in Sewickley, PA, with his wife Kelly. Jack enjoys golf, skiing, open water swimming and plays trumpet.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning, and other legal matters.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC# 4746687 08/2025
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
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A Simple Six-Step Retirement Checkup
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Working closely with you to guide your wealth and investments through the most challenging market cycles.
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Creating customized financial strategies for the challenges that today’s families face.
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529 Plans: A Powerful Tool to Save for Education
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
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Financial Planning for Life After Selling a Business
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
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- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Seymour Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Alternative 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.
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.
9Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
10Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
12When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Alternative 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.
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.
9Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
10Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
12When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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), 4763067 (9/2025)
