

The Silva Group at Morgan Stanley
Palmdale:
(661) 575-9873(661) 575-9873
Toll-Free:
(800) 769-6641(800) 769-6641

Our Mission Statement
Our mission is to provide you with financial confidence by delivering personalized investment strategies designed to meet your individual needs based on your unique goals, values, and circumstances.
Welcome Message
At The Silva Group at Morgan Stanley, we understand that you have worked hard to attain the wealth that you have—and we want to help you preserve that wealth today so you and your loved ones can rely on it for all of your tomorrows.
We understand the rapid evolution going on in the aerospace industry as well as we understand the ever-evolving markets—and we are dedicated to helping our clients navigate both. It begins with listening to your goals and dreams, your worries and concerns and working closely with you to develop the customized financial plan that will help you maintain your lifestyle in retirement. Then we continually monitor and review your plan to ensure that it evolves as your needs change over time.
We believe in taking the appropriate amount of risk to achieve returns and manage portfolios by strategically focusing on long-term goals and tactically making changes to manage short-term risks. We conduct extensive research across the investment universe to uncover the investment managers we believe are the best in their categories. And we keep you informed so that you know what you own, why you own it and what it costs.
We offer the vast intellectual capital of a trusted industry leader with the exceptional service and personal advice of an experienced, multi-generational team—making a very big place feel like your own private wealth manager. Individuals, executives and families in the aerospace industry rely on us to help them manage risks, achieve growth and generate income—so they can get from where they are today to where they want to be tomorrow.
We understand the rapid evolution going on in the aerospace industry as well as we understand the ever-evolving markets—and we are dedicated to helping our clients navigate both. It begins with listening to your goals and dreams, your worries and concerns and working closely with you to develop the customized financial plan that will help you maintain your lifestyle in retirement. Then we continually monitor and review your plan to ensure that it evolves as your needs change over time.
We believe in taking the appropriate amount of risk to achieve returns and manage portfolios by strategically focusing on long-term goals and tactically making changes to manage short-term risks. We conduct extensive research across the investment universe to uncover the investment managers we believe are the best in their categories. And we keep you informed so that you know what you own, why you own it and what it costs.
We offer the vast intellectual capital of a trusted industry leader with the exceptional service and personal advice of an experienced, multi-generational team—making a very big place feel like your own private wealth manager. Individuals, executives and families in the aerospace industry rely on us to help them manage risks, achieve growth and generate income—so they can get from where they are today to where they want to be tomorrow.
Services Include
- Wealth ManagementFootnote1
- Asset Management
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- 401(k) Rollovers
- Alternative InvestmentsFootnote4
- AnnuitiesFootnote5
- Professional Portfolio ManagementFootnote6
- Estate Planning StrategiesFootnote7
- Lending Products
- Executive Financial ServicesFootnote8
- Trust ServicesFootnote9
- Wealth PlanningFootnote10
- Stock Plan ServicesFootnote11
- Business PlanningFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Location
1137 W. Ave M-14
Suite 104
Palmdale, CA 93551
US
Direct:
(661) 575-9873(661) 575-9873
Toll-Free:
(800) 769-6641(800) 769-6641
Meet The Silva Group
About Louis "Bill" Silva
Bill works closely with accomplished individuals, businesses and retirement-focused investors, helping them with everything from goals-based planning and asset allocation to portfolio management. He believes that taking a comprehensive approach to wealth management with well-defined goals is critical to producing the best possible outcomes for each client.
Bill has more than 25 years of experience helping clients focus on both their short- and long-term goals. He formed The Silva Group at Morgan Stanley in 2011. Bill holds degrees from the Wharton School of Business and the University of Chicago Booth School of Business.
When he’s not in the office, Bill enjoys spending time hunting, fishing and traveling with his wife and children. He enjoys serving his community through the Kiwanis Club, AV Boys and Girls Club, Ducks Unlimited and the Rocky Mountain Elk Foundation.
Bill has more than 25 years of experience helping clients focus on both their short- and long-term goals. He formed The Silva Group at Morgan Stanley in 2011. Bill holds degrees from the Wharton School of Business and the University of Chicago Booth School of Business.
When he’s not in the office, Bill enjoys spending time hunting, fishing and traveling with his wife and children. He enjoys serving his community through the Kiwanis Club, AV Boys and Girls Club, Ducks Unlimited and the Rocky Mountain Elk Foundation.
Securities Agent: AL, OR, OK, NE, KS, AZ, TX, CO, KY, IL, VA, IN, ID, UT, ME, PA, NC, NH, FL, SC, MO, HI, WA, NV, OH, GA, TN, NM, MT, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1484599
CA Insurance License #: 0B21702
NMLS#: 1484599
CA Insurance License #: 0B21702
About David R Norris
David helps clients with all aspects of retirement planning, wealth planning and tax strategies. He analyzes and manages investment portfolios, while helping to educate clients on the current economy and the important roles planning and asset allocation play in helping them to achieve their long-term goals.
David partnered with Bill to form The Silva Group at Morgan Stanley in 2011. He was named a Forbes Top Next-Gen Wealth Advisor in 2018 and a Forbes Next-Gen Best-In-State Wealth Advisor in 2019. In addition, he received the Five Star Wealth Manager Award in 2024 and 2025. He holds a Bachelor’s degree from San Diego State University, as well as the CERTIFIED FINANCIAL PLANNER (CFP), Family Wealth Advisor, Workplace Advisor - Equity Compensation and Chartered Retirement Planning Counselor designations.
David loves to spend time with his wife, Jessica, his sons, Oliver and Theo and their dogs. He enjoys exercise, playing ice hockey, traveling, restoring muscle cars and more. He serves as Treasurer and Board member for the Edwards Air Force Base Civilian-Military Group and volunteers with the Boy Scouts of America and the Antelope Valley Boys and Girls Club. He also donates to and supports the American Cancer Society.
Disclaimer:
2018-2019 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (June 2019) 2019 Forbes Top Next-Gen Wealth Advisors ranking awarded in 2019. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 3/31/18 - 3/31/19. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC
The Five Star Wealth Manager Award was issued in2024 and 2025 based on an evaluation process as described below. This evaluation was based on the time periods indicated below and was conducted by Five Star Professional (FSP) that considered, among other factors, the following: Favorable regulatory and complaint history review. As defined by FSP, the wealth manager has not: 1.) Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; 2.) Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed, or denied complaints with any regulatory authority or FSP’s consumer complaint process. Personal bankruptcy filing within the past 11 years, Termination from a financial services firm within the past 11 years, Conviction of a felony, One-year client retention rate, Five-year client retention rate.
Five Star Professional, as a third-party research firm, identified pre-qualified award candidates based on industry data and contacted all identified broker dealers, Registered Investment Advisor firms and FINRA-registered representatives to gather wealth manager nominations. Self-nominations are not accepted. Wealth managers and/or their firms do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers.
2024 Award - 02/13/2023 through 08/31/2023
2025 Award - 03/28/2022 through 09/23/2022
For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
David partnered with Bill to form The Silva Group at Morgan Stanley in 2011. He was named a Forbes Top Next-Gen Wealth Advisor in 2018 and a Forbes Next-Gen Best-In-State Wealth Advisor in 2019. In addition, he received the Five Star Wealth Manager Award in 2024 and 2025. He holds a Bachelor’s degree from San Diego State University, as well as the CERTIFIED FINANCIAL PLANNER (CFP), Family Wealth Advisor, Workplace Advisor - Equity Compensation and Chartered Retirement Planning Counselor designations.
David loves to spend time with his wife, Jessica, his sons, Oliver and Theo and their dogs. He enjoys exercise, playing ice hockey, traveling, restoring muscle cars and more. He serves as Treasurer and Board member for the Edwards Air Force Base Civilian-Military Group and volunteers with the Boy Scouts of America and the Antelope Valley Boys and Girls Club. He also donates to and supports the American Cancer Society.
Disclaimer:
2018-2019 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (June 2019) 2019 Forbes Top Next-Gen Wealth Advisors ranking awarded in 2019. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 3/31/18 - 3/31/19. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC
The Five Star Wealth Manager Award was issued in2024 and 2025 based on an evaluation process as described below. This evaluation was based on the time periods indicated below and was conducted by Five Star Professional (FSP) that considered, among other factors, the following: Favorable regulatory and complaint history review. As defined by FSP, the wealth manager has not: 1.) Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; 2.) Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed, or denied complaints with any regulatory authority or FSP’s consumer complaint process. Personal bankruptcy filing within the past 11 years, Termination from a financial services firm within the past 11 years, Conviction of a felony, One-year client retention rate, Five-year client retention rate.
Five Star Professional, as a third-party research firm, identified pre-qualified award candidates based on industry data and contacted all identified broker dealers, Registered Investment Advisor firms and FINRA-registered representatives to gather wealth manager nominations. Self-nominations are not accepted. Wealth managers and/or their firms do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers.
2024 Award - 02/13/2023 through 08/31/2023
2025 Award - 03/28/2022 through 09/23/2022
For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
Securities Agent: CA, NM, NE, ME, ID, WI, OR, CO, UT, PR, PA, NH, MS, KY, AZ, AR, AL, OK, OH, NC, WA, VA, SD, KS, TN, SC, MO, WY, MN, IL, GA, NV, ND, IN, MT, FL, RI, MA, HI, TX; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1285152
CA Insurance License #: 0H87331
NMLS#: 1285152
CA Insurance License #: 0H87331
About Makenzie Smith
Makenzie is committed to client-centric service—helping guide individuals, families and businesses as they navigate through their work, life and financial journeys. Makenzie works closely with her clients to develop a deep understanding of them in order to help create personally tailored strategies that can efficiently work toward their goals.
Makenzie joined The Silva Group at Morgan Stanley in 2015. Prior to this, she overlooked operations with event companies and played professional softball in Rotterdam Holland. Makenzie was named a Top Financial Advisor Associate from 2016-2018 by Morgan Stanley. She holds a Bachelor’s degree from the University of Illinois as well as Series 7, 66 and State Life/Health insurance licenses.
Outside of the office, Makenzie enjoys staying active—camping, rock climbing, running and spending time with family and friends. She loves to cook and is a Certified Level 1 Sommelier. Makenzie is a member of the Lancaster West Rotary Club and is a 412th Honorary Commander for Edwards Air Force Base.
Makenzie joined The Silva Group at Morgan Stanley in 2015. Prior to this, she overlooked operations with event companies and played professional softball in Rotterdam Holland. Makenzie was named a Top Financial Advisor Associate from 2016-2018 by Morgan Stanley. She holds a Bachelor’s degree from the University of Illinois as well as Series 7, 66 and State Life/Health insurance licenses.
Outside of the office, Makenzie enjoys staying active—camping, rock climbing, running and spending time with family and friends. She loves to cook and is a Certified Level 1 Sommelier. Makenzie is a member of the Lancaster West Rotary Club and is a 412th Honorary Commander for Edwards Air Force Base.
Securities Agent: KY, TN, MO, AL, UT, OR, OH, NH, FL, CO, KS, OK, NE, IN, PA, NV, NC, CA, AZ, WY, NM, HI, AR, VA, ME, IL, ID, GA, WA, TX, MT, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1504796
CA Insurance License #: 0K73575
NMLS#: 1504796
CA Insurance License #: 0K73575
About Kylie Silva
Kylie helps onboard new clients and focuses on helping them with life insurance and long-term care strategies. Her goal is to make the entire wealth management process as easy and comfortable as possible.
Kylie has nearly six years of experience helping clients mitigate risks and stay on track toward their long-term goals. She joined The Silva Group at Morgan Stanley in 2017. Her prior experience includes a position with New York Life. Kylie holds a Bachelor’s degree in Business Administration from California State University Northridge, as well as Series 7, 66 and State Life/Health insurance licenses.
When she’s not in the office, you can find Kylie spending time with her family and friends cooking, hiking or traveling. Kylie enjoys participating in community events, philanthropic outreaches and volunteering with animals.
Kylie has nearly six years of experience helping clients mitigate risks and stay on track toward their long-term goals. She joined The Silva Group at Morgan Stanley in 2017. Her prior experience includes a position with New York Life. Kylie holds a Bachelor’s degree in Business Administration from California State University Northridge, as well as Series 7, 66 and State Life/Health insurance licenses.
When she’s not in the office, you can find Kylie spending time with her family and friends cooking, hiking or traveling. Kylie enjoys participating in community events, philanthropic outreaches and volunteering with animals.
Securities Agent: MT, MO, TN, WY, OH, CO, GA, CA, WA, OR, UT, NV, NE, VA, PA, NM, ID, KS, IN, IL, FL, AZ, TX, SC, OK, AL, NH, ME, KY, HI, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 1733607
CA Insurance License #: 0K39072
NMLS#: 1733607
CA Insurance License #: 0K39072
About Teresa Hernandez
Teresa’s sharp attention to detail and ability to provide administration excellence make her truly exceptional at keeping many important aspects of our business running efficiently and effectively. She is known for her exceptional client service and her ability to find a solution to every problem.
Teresa has over 24 years of experience providing exceptional client service. She joined Morgan Stanley in 1997 and has had roles as an Operational Service Assistant to service Financial Advisors and their Service Professionals. Teresa joined The Silva Group in 2021.
Outside of the office, Teresa enjoys spending time with her husband, Albert and two sons, Manuel and Max, as well as their two dogs Snowflake and Lulu. She enjoys watching baseball and football and is a music enthusiast who loves to listen and dance along to the music.
Teresa has over 24 years of experience providing exceptional client service. She joined Morgan Stanley in 1997 and has had roles as an Operational Service Assistant to service Financial Advisors and their Service Professionals. Teresa joined The Silva Group in 2021.
Outside of the office, Teresa enjoys spending time with her husband, Albert and two sons, Manuel and Max, as well as their two dogs Snowflake and Lulu. She enjoys watching baseball and football and is a music enthusiast who loves to listen and dance along to the music.

Contact Louis "Bill" Silva

Contact David R Norris

Contact Makenzie Smith

Contact Kylie Silva
Wealth Management
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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
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
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Donor Advised Funds: A Smart Way to Manage Your Giving
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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 Silva Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Alternative 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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.
7Morgan 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.
8Morgan 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.
9Morgan 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.
10Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
11Morgan 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.
12Morgan 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.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Alternative 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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.
7Morgan 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.
8Morgan 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.
9Morgan 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.
10Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
11Morgan 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.
12Morgan 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.
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:
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Awards Disclosures
CRC 6491812 (04/2024)