Chris Blanchfield, CFP®
Senior Vice President, Financial Advisor
Phone:
(916) 797-7714(916) 797-7714
The Sierra View Group at Morgan Stanley
Direct:
(916) 797-7725(916) 797-7725
Toll-Free:
(877) 229-5922(877) 229-5922
Our Mission Statement
Utilizing our wealth of experience, intellectual capital, and personalized service, we are dedicated to empowering you to achieve your life's financial aspirations.
The Sierra View Group - Welcome
Managing your wealth is a considerable responsibility— especially because the stakes are high for your family and your future. Sometimes the demands of this task can make it difficult to concentrate on what matters most to you: pursuing personal and family aspirations, exploring new opportunities, and living the life you have always envisioned. And when families reach a certain level of wealth and complexity, traditional advisory services may no longer be sufficient.
At The Sierra View Group, our focus is on helping families manage the full spectrum of their financial affairs through comprehensive multi-generational solutions and industry-leading resources from Morgan Stanley. Money management, retirement planning, estate planning, insurance, taxes, business planning succession strategies - we will bring together all of these elements into a cohesive and integrated financial plan that will help you enhance and preserve your wealth while enjoying the lifestyle it affords.
We are a relationship-based financial planning team offering advice, effective implementation and superior service. We have a focus on building long- term relationships founded on mutual trust and respect. We will work with you to help you preserve and grow your wealth, relying on the insights of seasoned investment professionals and a full spectrum of investment choices.
At The Sierra View Group, our focus is on helping families manage the full spectrum of their financial affairs through comprehensive multi-generational solutions and industry-leading resources from Morgan Stanley. Money management, retirement planning, estate planning, insurance, taxes, business planning succession strategies - we will bring together all of these elements into a cohesive and integrated financial plan that will help you enhance and preserve your wealth while enjoying the lifestyle it affords.
We are a relationship-based financial planning team offering advice, effective implementation and superior service. We have a focus on building long- term relationships founded on mutual trust and respect. We will work with you to help you preserve and grow your wealth, relying on the insights of seasoned investment professionals and a full spectrum of investment choices.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Creating Your Plan
To be truly effective, your plan must reflect the totality of your personal and financial life. Our role is to help ensure that your investment objectives are consistent with pressuring financial concerns and your long-term aspirations.
These four steps were developed to achieve that goal:
These four steps were developed to achieve that goal:
Setting your financial objectives
Through a process of discovery and discussion, we will work with you to articulate your aims for your wealth. Together, we will examine your current and future liabilities, income sources and cash flow needs, and then consider factors that might influence your overall strategy, including tolerance for risk, tax concerns, liquidity needs and time horizon. Through careful analysis, the team will look for potential gaps that may exist between your goals, and develop sound strategies to help smooth the path.
Creating your strategy
Working from our understanding of you and your objectives, we will propose a financial plan that contains specific strategies designed to help meet those goals. Our advice may encompass issues such as retirement planning, business continuation, tax minimization potential and wealth transfer. You will also receive an asset allocation strategy designed to provide diversification for your portfolio.
Implementing your strategy
After discussing and refining your strategy, we will work closely with you to bring the elements to life. Planning is a vital part of our process. Using tools to actively monitor your plans progress, making sure you are on track to meet your financial goals and objectives. If you prefer to invest in individual securities, we can help identify specific stocks, bonds and other securities that may be suitable for your portfolio. Whatever approach we decide on, the team will help you keep your strategy on track
Reviewing objectives and performance
We view ongoing communication as the foundation of our successful collaboration with you. We will make every effort to stay aware of your changing financial needs and provide viable strategies to help you meet them. This means reviewing your portfolio together at your request when your circumstances change, we will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.
Certifications & Designations
CERTIFIED FINANCIAL PLANNER™ (CFP®)
Brian, Chris, and Rebecca all maintain their CERTIFIED FINANCIAL PLANNER™ certification. CERTIFIED FINANCIAL PLANNER™ is a formal license that recognizes expertise in the areas of financial planning, taxes, insurance, estate planning, and retirement. CFP® professionals are held to a strict ethical standard.
Certified Investment Management Analyst® (CIMA®)
Brian maintains his CIMA® certification, which is the peak international, technical portfolio construction program for investment consultants, analysts, financial advisors and wealth management professionals. CIMA® certification stands out among other financial certifications for its effective emphasis on the combination of theory and practical application
Chartered Financial Consultant (ChFC®)
Rebecca maintains her ChFC certification, The ChFC program prepares professionals to meet the advanced financial needs of individuals, families and small-business owners. ChFCs can identify and establish specific goals and then formulate, implement and monitor a comprehensive plan to achieve those goals.
Chartered Retirement Planning Counselor (CRPC®)
Rebecca maintains her CRPC® designation, which is a graduate-level designation program for experienced financial advisors who wish to offer more comprehensive retirement advice to individual clients. This program helps to define a “road map to retirement,” enabling financial advisors to focus on clients’ pre- and post-retirement needs, as well as issues related to asset management and estate planning.
Personalized Solutions
From buying a home to rolling over your 401(k) to leaving a lasting legacy, we are here to answer your financial questions and implement the best strategies for your specific goals and circumstances. Here are just some of the questions we help our clients answer every day.
Asset Organization
I have assets spread across multiple organizations and platforms. How do I get organized and simplify my financial life?
Retirement Planning
Have I saved enough for retirement so I can maintain my current lifestyle without worrying I’ll run out of money? What is the best way to re-invest my 401(k) when I get ready to leave my company and retire?
Retirement Planning Myth vs Fact
Professional Portfolio Management
I have so many things I want to do with my life. How can one investment strategy balance them all?
Learn More on Portfolio Risk Management
Growing Older
Given extended life expectancy, how do I make certain I can afford the health services I may need?
Tax-Efficient Planning
The tax decisions you make today can help you save for years to come. Are you prepared?
Your Guide to Tax Efficient Planning
4 Key Tax Questions for Investors to Consider
Factoring the impact of taxes into your investment decisions can help you keep more of your hard-earned money, both now and in the future.
4 Key QuestionsModern Wealth Management Tools
Our industry is perpetually evolving. We strive to stay ahead of the curve. Below are some of the resources we utilize every day to offer you the best possible level of service.
Morgan Stanley Online (MSO)
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. A few of them include...
1. Approve wire transfers online after you enroll in eAuthorization.
2. See your total net worth (including assets and liabilities) in one place when you add external accounts.
3. Send Money with Zelle®
4. Managing your everyday finances such as paying bills online, sending money or transferring funds.
Morgan Stanley Online (MSO)1. Approve wire transfers online after you enroll in eAuthorization.
2. See your total net worth (including assets and liabilities) in one place when you add external accounts.
3. Send Money with Zelle®
4. Managing your everyday finances such as paying bills online, sending money or transferring funds.
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Aggregate Your AssetsThe ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
E-Delivery
Morgan Stanley Online has a variety of features that can enhance your digital experience and provide a deeper level of security. One of those tools, eDelivery, allows you to securely save, print, send or receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
Learn More and Enroll in E-Delivery
Digital Vault
The Digital Vault is a document delivery, storage and collaboration space for Morgan Stanley clients and Financial Advisor teams.
Clients have integrated access to the Digital Vault through the Morgan Stanley Online portal and the Morgan Stanley mobile app. Financial Advisor teams can access and review their clients’ Digital Vault content seamlessly.
Benefits include easy document sharing between clients and FA teams, secure repository to store important client documents, fully integrated into existing client and FA platforms, more efficient exchange of information
encryption, virus scans and multi-factor authentication for security.
Check Out the Digital VaultClients have integrated access to the Digital Vault through the Morgan Stanley Online portal and the Morgan Stanley mobile app. Financial Advisor teams can access and review their clients’ Digital Vault content seamlessly.
Benefits include easy document sharing between clients and FA teams, secure repository to store important client documents, fully integrated into existing client and FA platforms, more efficient exchange of information
encryption, virus scans and multi-factor authentication for security.
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 MoreLocation
1478 Stone Point Dr
Suite 500
Roseville, CA 95661
US
Direct:
(916) 797-7725(916) 797-7725
Toll-Free:
(877) 229-5922(877) 229-5922
Meet The Sierra View Group
Brian D Neunzig, CFP®, CIMA®
Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Advisor
Phone:
(916) 797-7754(916) 797-7754
Associate Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Workplace Advisor - Equity Compensation
Phone:
(916) 797-7794(916) 797-7794
Katherine Kotey
Client Service Associate
Phone:
(916) 797-7725(916) 797-7725
About Chris Blanchfield
For Chris Blanchfield, great financial planning starts with understanding people first. For more than three decades at Morgan Stanley, Chris has partnered with individuals and families to help them feel confident about their decisions, their future, and the legacy they want to create. He believes clarity builds trust, and trust creates better outcomes. His approach is thoughtful, practical, and rooted in long-term relationships.
Originally trained as an engineer after graduating from California State University, Fresno, Chris has always been curious about how things work. That curiosity—and a desire to help others make sense of complex systems—led him to financial services in 1995. Today, many of the clients he first met early in his career still work with him, and in some cases he now serves four generations of the same family. He earned a Master’s Degree in Financial Services from American University and remains passionate about guiding clients through life’s changes with confidence and perspective.
Outside the office, Chris values time with his wife, their two grown children, and two dogs. A lifelong problem-solver and avid woodworker, he enjoys building and improving things with his hands. He’s also a certified scuba diver and free diver, and in his down time you’ll often find him paddle surfing or practicing hot vinyasa yoga—activities that reflect the same balance and focus he brings to his work with clients.
Originally trained as an engineer after graduating from California State University, Fresno, Chris has always been curious about how things work. That curiosity—and a desire to help others make sense of complex systems—led him to financial services in 1995. Today, many of the clients he first met early in his career still work with him, and in some cases he now serves four generations of the same family. He earned a Master’s Degree in Financial Services from American University and remains passionate about guiding clients through life’s changes with confidence and perspective.
Outside the office, Chris values time with his wife, their two grown children, and two dogs. A lifelong problem-solver and avid woodworker, he enjoys building and improving things with his hands. He’s also a certified scuba diver and free diver, and in his down time you’ll often find him paddle surfing or practicing hot vinyasa yoga—activities that reflect the same balance and focus he brings to his work with clients.
Securities Agent: FL, CA, TX, DE, AL, OH, PA, ND, WA, OR, MO, MD, NY, NC, MS, IA, UT, MT, GA, MA, AZ, VA, SD, OK, ID, CO, WY, NV, IN, IL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1456516
CA Insurance License #: 0B61184
NMLS#: 1456516
CA Insurance License #: 0B61184
About Brian D Neunzig
Brian Neunzig is a Senior Vice President, Financial Advisor, and Family Wealth Advisor with The Sierra View Group at Morgan Stanley. In an increasingly complex financial environment, Brian believes effective advice is grounded in structure, perspective, and disciplined planning. With more than 30 years of experience in financial services—including extensive institutional consulting—he helps individuals and families align wealth with goals, risk tolerance, and long-term priorities, while supporting multigenerational continuity.
Brian began his career in 1994 and developed a broad foundation in investments, banking, and financial planning through roles at Merrill Lynch and Bank of America Investment Services (BAIS), a subsidiary of Bank of America. During his tenure at BAIS, Brian worked closely with clients to coordinate banking and investment strategies and also served as Regional Sales Manager for Northern California.
In 2012, Brian joined Graystone Consulting, Morgan Stanley’s institutional consulting platform. There, he worked with high-net-worth families and participated in institutional investment processes and asset management, applying institutional-level disciplines and governance frameworks to private wealth planning. Following his relocation from Santa Rosa to Roseville, California in 2018, Brian co-founded The Sierra View Group, where he continues to serve clients through a consultative, goals-based approach supported by the global resources of Morgan Stanley.
Brian earned a Bachelor’s degree in Economics from the University of California, Davis, and completed Executive Education at the Wharton School of the University of Pennsylvania. He holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation, the Certified Investment Management Analyst™ (CIMA®) designation, and the Family Wealth Advisor designation from Morgan Stanley.
Prior to his career in financial services, Brian served as an officer in the United States Marine Corps. He completed officer training in leadership and infantry tactics before earning his Naval Aviator designation. Brian flew rotary-wing aircraft in support of Marines and the Fleet Marine Force and is a proud combat veteran of Operations Desert Shield and Desert Storm.
Brian has been married for 39 years and has two adult children. Outside of work, he enjoys staying active outdoors and values the lifelong relationships formed through his service in the Marine Corps.
Brian began his career in 1994 and developed a broad foundation in investments, banking, and financial planning through roles at Merrill Lynch and Bank of America Investment Services (BAIS), a subsidiary of Bank of America. During his tenure at BAIS, Brian worked closely with clients to coordinate banking and investment strategies and also served as Regional Sales Manager for Northern California.
In 2012, Brian joined Graystone Consulting, Morgan Stanley’s institutional consulting platform. There, he worked with high-net-worth families and participated in institutional investment processes and asset management, applying institutional-level disciplines and governance frameworks to private wealth planning. Following his relocation from Santa Rosa to Roseville, California in 2018, Brian co-founded The Sierra View Group, where he continues to serve clients through a consultative, goals-based approach supported by the global resources of Morgan Stanley.
Brian earned a Bachelor’s degree in Economics from the University of California, Davis, and completed Executive Education at the Wharton School of the University of Pennsylvania. He holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation, the Certified Investment Management Analyst™ (CIMA®) designation, and the Family Wealth Advisor designation from Morgan Stanley.
Prior to his career in financial services, Brian served as an officer in the United States Marine Corps. He completed officer training in leadership and infantry tactics before earning his Naval Aviator designation. Brian flew rotary-wing aircraft in support of Marines and the Fleet Marine Force and is a proud combat veteran of Operations Desert Shield and Desert Storm.
Brian has been married for 39 years and has two adult children. Outside of work, he enjoys staying active outdoors and values the lifelong relationships formed through his service in the Marine Corps.
Securities Agent: ME, CO, SD, PA, MS, GA, FL, UT, OR, WA, NC, TX, NY, MA, CA, VA, TN, NV, MO, AZ, AL, WY, MT, IL, OK, OH, ID, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 590685
NMLS#: 590685
About Me
Rebecca Stewart is passionate about helping you feel empowered—not overwhelmed—by financial decisions. She believes wealth management is never only about numbers; it’s about the life behind them. With over a decade of experience in financial services, she focuses on planning-led, personalized strategies that evolve as careers, families, and goals change.
Rebecca earned her degree in economics from the University of California, Santa Cruz. She began her career at Wells Fargo Advisors after graduation and joined Morgan Stanley in 2023. A devoted believer in continuing education, she has earned the CFP®, ChFC®, and CRPC® designations and currently serves on the board of the Sacramento Estate Planning Council, reflecting her dedication to deep planning expertise and long-term client support.
Rebecca is committed to translating complex financial concepts into clear, actionable strategies. Through a structured process, she creates personalized financial roadmaps that reflect each client’s goals, values, and life events—ultimately helping them build clarity and confidence through all of life’s transitions.
Outside of the office, Rebecca enjoys hiking, paddle boarding, sports, Pilates and spending time with family and friends. Her love of planning extends into her own annual international travel and even into the kitchen, where she enjoys creating healthier versions of popular dishes.
Rebecca earned her degree in economics from the University of California, Santa Cruz. She began her career at Wells Fargo Advisors after graduation and joined Morgan Stanley in 2023. A devoted believer in continuing education, she has earned the CFP®, ChFC®, and CRPC® designations and currently serves on the board of the Sacramento Estate Planning Council, reflecting her dedication to deep planning expertise and long-term client support.
Rebecca is committed to translating complex financial concepts into clear, actionable strategies. Through a structured process, she creates personalized financial roadmaps that reflect each client’s goals, values, and life events—ultimately helping them build clarity and confidence through all of life’s transitions.
Outside of the office, Rebecca enjoys hiking, paddle boarding, sports, Pilates and spending time with family and friends. Her love of planning extends into her own annual international travel and even into the kitchen, where she enjoys creating healthier versions of popular dishes.
Securities Agent: ID, MO, AZ, SD, OK, NC, IA, VA, UT, MT, CA, AL, WY, WA, OH, MS, MA, CO, OR, MN, FL, NY, NV, IL, GA, TX, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1517946
CA Insurance License #: 0L81747
NMLS#: 1517946
CA Insurance License #: 0L81747
About Katherine Kotey
Katherine began her career in the financial industry with Wells Fargo Bank in 2012. In 2021, she transitioned over to Wells Fargo Advisors and learned the investment side of the business. Unfortunately, in 2024, she was diagnosed with Acute Myeloid Leukemia, an aggressive form of the disease. Fortunately, she went into remission 6 months later and is hopeful to live a long, healthy life, cancer free. In 2025, after achieving remission, Katherine accepted a position with Morgan Stanley and The Sierra View Group as a client service associate and is currently working on her registrations so that she can assist the team not only in operational and cash management support, but in trading assistance as well.
Katherine is passionate and dedicated to delivering a wonderful client experience. Her vast knowledge in customer service and operational support will help the team consistently deliver a high level of personalized service to each and every client. She is motivated by ensuring that all of her clients feel confident that their needs have been taken care of.
Katherine currently resides in Loomis, CA with her husband Ryan, their two pre-teens, and their dog. In her free time, she loves to spend time with her family and friends, read books under the sun, eat her favorite foods, and travel. Her goal is to explore the world one beach at a time.
Katherine is passionate and dedicated to delivering a wonderful client experience. Her vast knowledge in customer service and operational support will help the team consistently deliver a high level of personalized service to each and every client. She is motivated by ensuring that all of her clients feel confident that their needs have been taken care of.
Katherine currently resides in Loomis, CA with her husband Ryan, their two pre-teens, and their dog. In her free time, she loves to spend time with her family and friends, read books under the sun, eat her favorite foods, and travel. Her goal is to explore the world one beach at a time.
Contact Chris Blanchfield
Contact Brian D Neunzig
Contact Rebecca Stewart
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
Kevin Cueva
Private Banker
About Kevin Cueva
Kevin Cueva is a Private Banker serving Morgan Stanley Wealth Management offices in California and Nevada.
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.
Kevin began his career in financial services in 2012 and joined Morgan Stanley in 2022. Prior to being promoted to his current role, he served as an Associate Private Banker supporting Wealth Management offices in California and Hawaii. Before joining the firm, Kevin was a Private Client Advisor at JPMorgan Chase.
Kevin received a Bachelor of Arts in Communications at the University of California, Davis. He resides in California with his family. Outside of the office, Kevin enjoys traveling and playing different sports.
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.
Kevin began his career in financial services in 2012 and joined Morgan Stanley in 2022. Prior to being promoted to his current role, he served as an Associate Private Banker supporting Wealth Management offices in California and Hawaii. Before joining the firm, Kevin was a Private Client Advisor at JPMorgan Chase.
Kevin received a Bachelor of Arts in Communications at the University of California, Davis. He resides in California with his family. Outside of the office, Kevin enjoys traveling and playing different sports.
NMLS#: 949442
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Wealth Management
From Our Team
Tax-Smart Strategies for Your Retirement
Wealth Management
Global Investment Office
Portfolio Insights
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Sierra View Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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.
4Morgan 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.
5Alternative 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Morgan 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.
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
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 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.
2When 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.
3Morgan 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.
4Morgan 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.
5Alternative 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Morgan 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.
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
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
