Andrew Snell
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(567) 336-4736(567) 336-4736
The Snell Group at Morgan Stanley
Direct:
(567) 336-4735(567) 336-4735
Our Mission Statement
At The Snell Group, with extensive experience and unwavering passion for what we do, we help bridge the gap between where you are and where you aspire to be.
Our Story
The Snell Wealth Management Group is a multigenerational team serving a diverse group of multigenerational clients. With roots dating back to 1961, the team is focused on building longstanding relationships based on trust, understanding, and transparency. Our practice is based in the Mid-west, with clients located from coast to coast. At the core of our service is a disciplined investment process and financial planning approach that has helped hundreds of clients and families reach their financial goals. We offer the intimacy of a boutique like financial experience, coupled with the resources, research, and access of one of the premier investment firms in the world.
We are dedicated financial advisors to families, high-net-worth individuals, entrepreneurs, corporate executives, and select institutional clients including foundations and endowments, to help meet their financial goals. We personalize every relationship and tailor every financial strategy to align with your specific needs and ambitions. Your goals are unique, and we treat them that way. We take our business personally and believe you will not find a team of professionals more committed to helping you achieve your financial success.
We are dedicated financial advisors to families, high-net-worth individuals, entrepreneurs, corporate executives, and select institutional clients including foundations and endowments, to help meet their financial goals. We personalize every relationship and tailor every financial strategy to align with your specific needs and ambitions. Your goals are unique, and we treat them that way. We take our business personally and believe you will not find a team of professionals more committed to helping you achieve your financial success.
Services Include
- Professional Portfolio ManagementFootnote1
- Wealth ManagementFootnote2
- Alternative InvestmentsFootnote3
- Endowments and FoundationsFootnote4
- Business Succession PlanningFootnote5
- Estate Planning StrategiesFootnote6
- Corporate Retirement PlansFootnote7
- AnnuitiesFootnote8
- 529 PlansFootnote9
- Certificates of DepositFootnote10
- Cash Management and Lending ProductsFootnote11
- Financial PlanningFootnote12
- Municipal BondsFootnote13
- Retirement PlanningFootnote14
- Sustainable InvestingFootnote15
- Long-term Care InsuranceFootnote16
- Donor Advised Funds
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Financial Planning
Financial Planning is the foundation for achieving your life goals. We take a holistic approach to address all aspects of your finances and align them with your short-term and long-term goals to create a plan custom to your needs.
At The Snell Group, we acknowledge that objectives change over time, so we create financial plans that will evolve with them, and adapt with the circumstances of your life. Review our resources below and reach out to discuss your financial plan.
Retirement planning
Focuses on turning accumulated assets into sustainable income. Retirement planning includes savings targets, investment allocation, Social Security/retirement plan claiming strategies (where applicable), tax-aware withdrawal sequencing, and stress testing for longevity, inflation, and market volatility.
Wellbeing & Health Planning
Build resilience against health-related and lifestyle risks by building emergency liquidity, managing insurance coverage (e.g., health, disability, life), planning for periods of reduced earning capacity, and aligning cash flow with wellbeing goals.
Business Succession Planning
Plan for an orderly transition of leadership and ownership; whether to family, partners, employees, or an outside buyer. Consider valuation, liquidity planning, buy-sell structures, key-person risk, tax and estate implications, and timelines that protect both personal financial goals and business continuity.
Education Savings Planning
Fund future education costs in a disciplined, and tax-aware way. Let us support you by estimating future costs, selecting appropriate savings vehicles, coordinating with financial aid considerations, and balancing education funding with other priorities to avoid overconcentration in one objective.
Assisted Living & Long-term Care Planning
Prepare for potential future care needs and related expenses. Planning includes evaluating care preferences, projecting costs, considering insurance and self-funding approaches, reviewing legal/estate structures that support care decisions, and ensuring adequate liquidity so care needs don't force untimely asset decisions.
Real Estate Planning
Address acquisition, financing, ownership structure, and disposition of property. Outline mortgage and liquidity management, cash-flow analysis for investment properties, tax considerations, estate transfer strategies, and risk management.
Endowment Planning
Preserve and grow capital for long-term or multigenerational goals, emphasizing the need to transfer assets to the next generation. Our approach prioritizes families seeking longevity of capital, family foundations, or legacy pools with defined distribution targets.
Charitable Giving & Philanthropic Planning
Align personal values with managing tax and legacy objectives. Selecting the right giving vehicles, timing, assets, and funding strategies.
Investment Management
Our focus is on helping you optimize your investment portfolio, manage risk effectively, and align your financial strategy with your personal objectives.
Our investing and wealth management offerings encompass many aspects of your financial world from traditional and alternative investments to comprehensive wealth planning solutions to help meet your life's goals.
Solutions
- Goal Definition & Strategy
- Asset Allocation
- Security Selection
- Risk Management
Methodology
- Analyzing Markets
- Building Portfolios
- Risk Mitigation
- Tax Planning
Approach
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Digital Tools
Sharper insights. Faster action.
Morgan Stanley Online (MSO)
Utilize MSO as an integrated suite of tools designed to help manage your finances. It allows you to review documents, balances, and transactions through your desktop, mobile, or tablet. MSO connects clients to their accounts, offering timely information through articles, podcasts, and research reports.
Total Wealth View
Total Wealth View provides clients with a comprehensive view of a their financial picture; integrating both internal and external accounts. Clients can link accounts from other institutions, and this data is integrated with Morgan Stanley Online, 3D Workstation, Goals Planning System (GPS), and LifeView.
Total Tax 365
Total Tax 365 offers year-round, proactive tax management solutions to help you maximize tax opportunities in portfolios. It provides a comprehensive range of tax-efficient products and solutions, aiming to maximize after-tax wealth. The service emphasizes the importance of integrating tax planning into investment decisions throughout the year.
Asset Aggregation
Asset Aggregation delivers a holistic view of your assets for complete visibility across your entire portfolio. It enables your advisor to analyze risks, identify opportunities, and assess how the portfolio is tracking towards your goals.
eDelivery
eDelivery provides electronic access to documents such as statements, trade confirmations, and tax documents. This helps avoid paper clutter, allows instant downloads, and reduces the risk of lost or stolen mail.
Digital Vault
Digital Vault is a secure document delivery, storage, and collaboration space. It allows for easy document sharing and access across devices, with all documents being virus-scanned and encrypted for security. You can upload important documents like financial statements and tax filings to be reviewed by their advisor.
Location
6250 Levis Common Blvd, 2nd Fl
Perrysburg, OH 43551
US
Direct:
(567) 336-4735(567) 336-4735
Meet The Snell Group
Jay Snell, CFA®
Financial Advisor
Phone:
(567) 336-4727(567) 336-4727
Gerald Beale
Wealth Management Associate
Phone:
(567) 336-4737(567) 336-4737
Beth Kerekes
Portfolio Associate
Phone:
(567) 336-4741(567) 336-4741
About Andrew Snell
Since entering into the financial services industry in 2008- Drew has provided investment management services, financial planning and strategy advice for over 15 years. He believes in not only helping people manage their financial assets, but also building genuine, lasting relationships.
Drew graduated from Denison University, where he was a four-year member and senior captain of the school’s squash team. He currently lives in Perrysburg with his wife (Mary), son (Noah) and puppy (Gus) they enjoy spending time with friends and family, traveling, and living an overall healthy and active lifestyle.
Drew graduated from Denison University, where he was a four-year member and senior captain of the school’s squash team. He currently lives in Perrysburg with his wife (Mary), son (Noah) and puppy (Gus) they enjoy spending time with friends and family, traveling, and living an overall healthy and active lifestyle.
Securities Agent: WI, TX, NJ, GA, NY, DC, NV, IN, DE, MA, AZ, SC, KS, FL, OK, MN, MI, ID, WA, TN, KY, VT, UT, PA, NC, MD, IL, VA, OH, CO, CA, AR; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 591022
NMLS#: 591022
About Jay Snell
With a background spanning investment banking, corporate finance, and portfolio management, Jay brings a multidimensional perspective to client strategy. Prior to his current role, he was a senior analyst at Wedbush Securities in Los Angeles, supporting transactions and operational strategy within an investment bank.
Jay also served as a Senior Treasury Analyst with Molson Coors Beverage Company in Denver, focusing on strategic finance, liquidity management, and acquisition related operations.
He earned the Chancellor's Achievement Scholarship at the University of Colorado Boulder, where he studied finance and economics. A former collegiate athlete, Jay was named 2nd team All-American and served as senior team captain of the school’s lacrosse team.
Jay is also a CFA charter holder, recognized globally as the gold standard in investment analysis and portfolio management. His advisory work emphasizes discretionary portfolio management, multi-asset investment strategies, and long-term wealth planning tailored to the goals of the individuals and institutions he serves.
Jay also served as a Senior Treasury Analyst with Molson Coors Beverage Company in Denver, focusing on strategic finance, liquidity management, and acquisition related operations.
He earned the Chancellor's Achievement Scholarship at the University of Colorado Boulder, where he studied finance and economics. A former collegiate athlete, Jay was named 2nd team All-American and served as senior team captain of the school’s lacrosse team.
Jay is also a CFA charter holder, recognized globally as the gold standard in investment analysis and portfolio management. His advisory work emphasizes discretionary portfolio management, multi-asset investment strategies, and long-term wealth planning tailored to the goals of the individuals and institutions he serves.
Securities Agent: MD, CT, NM, NE, MI, VT, OH, CA, AL, NJ, ME, MA, ID, FL, CO, MT, IL, WY, TN, HI, VA, SC, NC, MN, GA, DE, WV, WI, NY, LA, KS, AR, UT, TX, PA, MS, MO, IN, NV, IA, AZ, WA, RI, OR, OK, NH, KY, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 2775897
NMLS#: 2775897
About Gerald Beale
Jerry began his career in the wealth management industry in 1994 and joined Morgan Stanley in 2017. Jerry is a Wealth Management Associate with the Snell Group at Morgan Stanley. The Snell Group focuses on working with individuals and businesses in implementing financial strategies for their current and future needs.
Jerry attended St. Francis de Sales High School in Toledo, Ohio and received his bachelors degree from Miami of Ohio in Oxford in 1990. Jerry and his wife Julie live in Springfield Township and have two adult children, Adam and Allison. In Jerry’s free time he enjoys golfing, reading and spending time with family and friends.
Jerry attended St. Francis de Sales High School in Toledo, Ohio and received his bachelors degree from Miami of Ohio in Oxford in 1990. Jerry and his wife Julie live in Springfield Township and have two adult children, Adam and Allison. In Jerry’s free time he enjoys golfing, reading and spending time with family and friends.
About Beth Kerekes
Beth Kerekes has been with the Snell Group in some capacity since 2016. She got started in the business in 1998 as an Operations Manager. With her many years of experience in the business, as a Morgan Stanley Portfolio Associate, she will be your go to person for anything account related. She currently resides in Perrysburg.
Contact Andrew Snell
Contact Jay Snell
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
Kristopher Johnson
Private Banker
About Kristopher Johnson
Kristopher Johnson is a Private Banker serving Morgan Stanley Wealth Management offices in Michigan and 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.
Kristopher began his career in financial services in 2008 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Wealth Management Banking Advisor at Bank of America Merrill Lynch. He also served as a Wealth Management Lending Officer and Sales Trainer at Bank of America Merrill Lynch.
Kristopher is a graduate of the University of Michigan, where he received a Bachelor of Arts in Political Science, and Arizona State University’s W.P. Carey School of Business, where he received his Masters of Business Administration in Finance. He lives in Rochester, Michigan with his wife. Outside of the office, Kristopher enjoys exercising, watching sports, volunteering with local organizations, and spending time with family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kristopher began his career in financial services in 2008 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Wealth Management Banking Advisor at Bank of America Merrill Lynch. He also served as a Wealth Management Lending Officer and Sales Trainer at Bank of America Merrill Lynch.
Kristopher is a graduate of the University of Michigan, where he received a Bachelor of Arts in Political Science, and Arizona State University’s W.P. Carey School of Business, where he received his Masters of Business Administration in Finance. He lives in Rochester, Michigan with his wife. Outside of the office, Kristopher enjoys exercising, watching sports, volunteering with local organizations, and spending time with family and friends.
NMLS#: 630462
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
Global Investment Office
Portfolio Insights
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
Iran Conflict: Seven Takeaways for Investors
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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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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
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
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact The Snell Group today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Alternative 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
6Morgan 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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
10Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
11Morgan 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
12Morgan 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.
13Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
14When 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.
15Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
16Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Alternative 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
6Morgan 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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
10Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
11Morgan 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
12Morgan 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.
13Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
14When 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.
15Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
16Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
