Jason Bernstein
Senior Vice President, Financial Advisor
Phone:
(713) 968-3087(713) 968-3087
The Spartan Group at Morgan Stanley
Direct:
(713) 968-3190(713) 968-3190
Toll-Free:
(800) 359-4358(800) 359-4358
Our Mission Statement
A Purposeful Retirement Planning and Legacy Driven approach to Wealth Management - Intentional actions, centered around a focused outcome, driven by your Life
Managing to Your Life, Not The Markets
Your life is busy, and there is rarely room for the important areas. Let's start there. What is most important to you right now?
Our goal at The Spartan Group is to go beyond traditional retirement planning and investment management to positively alter the course of our clients lives. We want to help people to be good stewards of their finances. We take a family approach to brainstorm together and answer the important questions as it relates to your career, your family, and your goals. We believe that true wealth management and financial planning should start by building a trustworthy relationship and understanding the areas that are most important to you.
Our Spartan planning process is the key to everything that we do, and is a disciplined approach to help maximize the value to our clients lives. After going through the process, you will have a professional and dynamic financial plan that is designed to help bring clarity to your personal financial future. It all starts with helping you define and develop a purpose with your money. We narrow it down to focus on your NEEDS, your WANTS, and Your WISHES. The main goal is to constantly educate you along the way.
Of course what you are invested in and the strategy to achieve your goals is always important. We are well equipped in that area - We have a disciplined investment process backed by Morgan Stanley’s leading intellectual capital and years of experience. However, how we use these resources is driven by our process and what's best for you. The deeper dive that we take into your life will determine what is necessary on the investment side to help achieve your goals to-and-through retirement. Contact us and let's start the conversation.
Our goal at The Spartan Group is to go beyond traditional retirement planning and investment management to positively alter the course of our clients lives. We want to help people to be good stewards of their finances. We take a family approach to brainstorm together and answer the important questions as it relates to your career, your family, and your goals. We believe that true wealth management and financial planning should start by building a trustworthy relationship and understanding the areas that are most important to you.
Our Spartan planning process is the key to everything that we do, and is a disciplined approach to help maximize the value to our clients lives. After going through the process, you will have a professional and dynamic financial plan that is designed to help bring clarity to your personal financial future. It all starts with helping you define and develop a purpose with your money. We narrow it down to focus on your NEEDS, your WANTS, and Your WISHES. The main goal is to constantly educate you along the way.
Of course what you are invested in and the strategy to achieve your goals is always important. We are well equipped in that area - We have a disciplined investment process backed by Morgan Stanley’s leading intellectual capital and years of experience. However, how we use these resources is driven by our process and what's best for you. The deeper dive that we take into your life will determine what is necessary on the investment side to help achieve your goals to-and-through retirement. Contact us and let's start the conversation.
Together, through our team approach and unique process, we can:
- Professionally Organize and Simplify your Financial Life
- Develop a dynamic and comprehensive financial plan that adjust to your life
- Diversify your Investments to help preserve your hard earned capital
- Review the tax and cost efficiency of your current strategy, seeking to improve "Tax alpha" where possible. .
- Help you to take the emotions out of the equation and focus on areas of true importance
- Provide accountability to ensure the proper actions are executed in a timely manner
- Help to maintain optimal protection for your family, through our open architecture insurance platform.
- Proactively monitor your plan and guide you through inevitable transitions in life
Services Include
- Financial PlanningFootnote1
- Wealth ManagementFootnote2
- Retirement PlanningFootnote3
- Asset Management
- Professional Portfolio ManagementFootnote4
- 401(k) Rollovers
- Stock Option PlansFootnote5
- Municipal BondsFootnote6
- Planning for Education FundingFootnote7
- Long Term Care InsuranceFootnote8
- AnnuitiesFootnote9
- Business PlanningFootnote10
- Cash ManagementFootnote11
- Qualified Retirement PlansFootnote12
- Corporate Retirement PlansFootnote13
- Lending Products
- Alternative InvestmentsFootnote14
- Donor Advised Funds
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Who We Serve
Who do we serve? The short answer is that we love on everyone! As a Client of The Spartan Group, You are never simply an account or a number - you are our top priority.
Our clients, like you, are typically very busy in the day-to-day of life focusing on what is most important to them. This may be making the most of your corporate career, running your own business, or trying to make the most of precious time with your family. Regardless of where you are, there are many different questions and what we call "life transitions" that need to be carefully navigated together.
Below are several groups of people that we find are a good fit to work with us, and also a list of the questions we answer most often. If this describes you or your family, contact us and let's start the conversation.
Our clients, like you, are typically very busy in the day-to-day of life focusing on what is most important to them. This may be making the most of your corporate career, running your own business, or trying to make the most of precious time with your family. Regardless of where you are, there are many different questions and what we call "life transitions" that need to be carefully navigated together.
Below are several groups of people that we find are a good fit to work with us, and also a list of the questions we answer most often. If this describes you or your family, contact us and let's start the conversation.
Successful Corporate Employees
Whether you are still in the early stages of building your career and want to understand every aspect of your company's benefit package, or if you are in the late stages of a successful career as an executive, Our spartan process can help you.
Questions you may have:
How much should I be saving?
Should I use Roth or Pre tax 401(K)?
Help me understand my company benefits?
How to evaluate stock options and company shares?
What if I change jobs? How does it affect my retirement?
How can I improve my investment selection?
How can I preserve my hard earned capital?
Questions you may have:
How much should I be saving?
Should I use Roth or Pre tax 401(K)?
Help me understand my company benefits?
How to evaluate stock options and company shares?
What if I change jobs? How does it affect my retirement?
How can I improve my investment selection?
How can I preserve my hard earned capital?
Small Business Owners
You own your own privately held business. You often find yourself wearing a multitude of "hats" during any given day. Our goal is to help take the load off of you when it comes to the "finance" hat.
Questions you may have:
How much is my business truly worth?
What risk do I have to to protect myself from?
What is the best retirement plan to maximize my benefit as the owner?
How can I attract and retain better employees?
I recently sold my business - Now what?
What happens when I leave my business?
How can I preserve my hard earned capital?
Questions you may have:
How much is my business truly worth?
What risk do I have to to protect myself from?
What is the best retirement plan to maximize my benefit as the owner?
How can I attract and retain better employees?
I recently sold my business - Now what?
What happens when I leave my business?
How can I preserve my hard earned capital?
Families and Multi-generational Families
Family and Faith are some of the most important things in life. You work hard to get where you are in your career, and are motivated by the people you care most about and doing what is best for them. We understand that and value the same aspects. For high net worth families, having the right conversations and planning is key. Planning may start with retirement, but may develop into a strategy to increase giving and philanthropy, coordinating with other legal and tax professionals, or even preparing the next generation.
Questions You may Have:
How can I ensure that my family is taken care of?
How can I provide an education to my loved ones?
How can I maximize my giving or tithing?
How can we transition our hard-earned wealth to the next generation?
What can we do as for our aging parents?
Questions You may Have:
How can I ensure that my family is taken care of?
How can I provide an education to my loved ones?
How can I maximize my giving or tithing?
How can we transition our hard-earned wealth to the next generation?
What can we do as for our aging parents?
Navigating Major Life Transitions
You may be nearing a transition in your life that feels like you are entering "uncharted waters". During these times our clients need professional guidance to navigate and make the best decisions. Proactively planning allows for these transitions to be much less overwhelming.
Questions You May Have:
How can I manage my finances after a death in the family?
How can I navigate my divorce?
Can I afford a larger home?
What do I consider when getting married?
How can I balance retirement with my child's education?
How will future health care cost affect my plan?
How much income do I need in retirement? Where do I take it from?
When do I take Social Security?
Can I retire early? What challenges do I have?
How will I manage my inheritance?
Questions You May Have:
How can I manage my finances after a death in the family?
How can I navigate my divorce?
Can I afford a larger home?
What do I consider when getting married?
How can I balance retirement with my child's education?
How will future health care cost affect my plan?
How much income do I need in retirement? Where do I take it from?
When do I take Social Security?
Can I retire early? What challenges do I have?
How will I manage my inheritance?
Direct Indexing - It's not what you make - It's what you keep!
We utilize a combination of active and passive portfolio management, customized according to your goals and your life. Once we determine through our Spartan Planning Process the risk and return you need on your capital, the next action is to determine your custom Asset Allocation and comprehensive strategy. We seek to focus on improving your after-tax returns whenever possible. As a wise man once said, "It's not what you make, but what you keep!"
Morgan Stanley provides us with tremendous intellectual capital and resources to help us create tax-efficient strategies for our clients.
We are proud to have Morgan Stanley's resources available in the direct-indexing space, and when suitable for your financial plan, a portion of your custom strategy may utilize a leading direct indexing approach. The video above walks through this strategy concept. Our team can help you determine what, how and why this may improve your strategy and after-tax return potential.
We do not provide tax advice. All Tax Advice must come from your CPA, which we are happy to coordinate with for your overall strategy.
Morgan Stanley provides us with tremendous intellectual capital and resources to help us create tax-efficient strategies for our clients.
We are proud to have Morgan Stanley's resources available in the direct-indexing space, and when suitable for your financial plan, a portion of your custom strategy may utilize a leading direct indexing approach. The video above walks through this strategy concept. Our team can help you determine what, how and why this may improve your strategy and after-tax return potential.
We do not provide tax advice. All Tax Advice must come from your CPA, which we are happy to coordinate with for your overall strategy.
Strategies that can help add "Tax Alpha" to your custom Financial Plan
- Direct Indexing and Tax Management Overlay
- Roth Conversion Strategies
- Asset location
- Custom Charitable Gifting Strategies
- Reviewing your Corporate Benefit plans in detail
- Tax Efficient Withdrawal strategy
- Coordinating with your CPA Tax Professional
Experience Personalized Planning and Advice
Your Plan is built around Your Life, Your Goals, and Your Family. Everything starts with building a personal relationship together and determining what's most important to you. Your Financial journey is personal, and so is your Morgan Stanley Client Experience.
Backed By The Resources of a Leading Wealth Management Firm
- We are proud to work for a great firm. As a client of The Spartan Group, you have the full intellectual capital and resources of Morgan Stanley available to you. When you combine our planning process and personal touch with these resources, it helps you have tremendous clarity and confidence to make well-informed investment and financial decisions.
Location
1330 Post Oak Blvd
Suite 900
Houston, TX 77056
US
Direct:
(713) 968-3190(713) 968-3190
Toll-Free:
(800) 359-4358(800) 359-4358
Meet The Spartan Group
Tyler Thomas, CFP®
Vice President, Financial Advisor
Phone:
(713) 968-3190(713) 968-3190
Cort W. Crawley
Financial Advisor
Phone:
(713) 968-3164(713) 968-3164
Zaida Gil
Registered Client Service Associate
Phone:
(713) 968-3066(713) 968-3066
About Jason Bernstein
With over 30 years of financial services experience, Jason brings deep industry knowledge, unwavering integrity, and a passion for building lasting relationships to his role at Morgan Stanley. As a founding member of The Spartan Group, Jason’s commitment to client success is at the heart of everything he does. He approaches each relationship with the same care and dedication he gives his own family—grounded in trust, education, and long-term strategy.
Jason credits his success to his strong sense of responsibility and his constant pursuit of growth. His mantra, “Have a great day and have a PLAN!”, speaks to his mission of helping clients make well-informed, emotion-free financial decisions. He believes that continuous learning—both for himself and his team—is essential to providing the highest level of service and value. This philosophy has helped shape The Spartan Group into a proud multi-generational practice, with a focus on educating and empowering every client they serve.
A native New Yorker, Jason graduated Cum Laude from Brooklyn College with a degree in Accounting. He holds the Accredited Investment Fiduciary (AIF) designation as well as the Insurance Planning Director (IPD) credential.
Outside the office, Jason is a lifelong sports enthusiast and dedicated community volunteer. He spent many years coaching youth baseball, football, softball, and soccer through the Spring Branch Memorial Sports Association (SBMSA). Jason and his wife, MaryAnn, are proud parents of three accomplished children—Alyson, a graduate of the University of Houston; Jordan, a graduate of the University of Texas Business Honors Program; and Jessica, a graduate of the UT McCombs School of Business. Jason is an avid Texas Longhorns fan, which makes football season lively thanks to his business partner Tyler, a loyal Texas A&M Aggie.
Family is Jason’s greatest joy, especially his growing crew of grandchildren, Riley and Joseph. He’s also never far from his beloved Goldendoodle, Brooklyn. A dedicated member of his community, Jason is a lifetime member of both the Texas Exes and the Houston Livestock Show and Rodeo. He and his family are also active members of Ecclesia Church in Houston, where service and faith play a central role in their lives.
Jason credits his success to his strong sense of responsibility and his constant pursuit of growth. His mantra, “Have a great day and have a PLAN!”, speaks to his mission of helping clients make well-informed, emotion-free financial decisions. He believes that continuous learning—both for himself and his team—is essential to providing the highest level of service and value. This philosophy has helped shape The Spartan Group into a proud multi-generational practice, with a focus on educating and empowering every client they serve.
A native New Yorker, Jason graduated Cum Laude from Brooklyn College with a degree in Accounting. He holds the Accredited Investment Fiduciary (AIF) designation as well as the Insurance Planning Director (IPD) credential.
Outside the office, Jason is a lifelong sports enthusiast and dedicated community volunteer. He spent many years coaching youth baseball, football, softball, and soccer through the Spring Branch Memorial Sports Association (SBMSA). Jason and his wife, MaryAnn, are proud parents of three accomplished children—Alyson, a graduate of the University of Houston; Jordan, a graduate of the University of Texas Business Honors Program; and Jessica, a graduate of the UT McCombs School of Business. Jason is an avid Texas Longhorns fan, which makes football season lively thanks to his business partner Tyler, a loyal Texas A&M Aggie.
Family is Jason’s greatest joy, especially his growing crew of grandchildren, Riley and Joseph. He’s also never far from his beloved Goldendoodle, Brooklyn. A dedicated member of his community, Jason is a lifetime member of both the Texas Exes and the Houston Livestock Show and Rodeo. He and his family are also active members of Ecclesia Church in Houston, where service and faith play a central role in their lives.
Securities Agent: UT, SC, VA, WI, TN, TX, PA, OR, OK, OH, NV, NY, NM, WY, MT, IN, MA, MI, MS, MN, LA, KY, KS, NJ, NE, IL, ID, WA, WV, NC, GA, DE, AZ, AL, AK, IA, CO, DC, MO, CA, FL, MD, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 1273089
CA Insurance License #: 0157876
NMLS#: 1273089
CA Insurance License #: 0157876
About Tyler Thomas
Tyler’s passion for helping others began during his time at Texas A&M University, where he earned a B.B.A. in Finance and dedicated himself to mentoring fellow students. That same spirit of service drives his work today as a CERTIFIED FINANCIAL PLANNER™ and key member of The Spartan Group at Morgan Stanley.
With nearly a decade of experience at the firm, Tyler focuses on building customized financial plans that reflect what matters most to each client. His role centers on discovering each client’s personal “why”—the deeper goals, values, and priorities that give purpose to their financial journey. Through thoughtful conversation and careful organization, Tyler ensures every plan is both comprehensive and truly personal.
Tyler is especially passionate about maximizing after-tax outcomes and designing strategies that preserve wealth over time. As he often says, “It’s not what you make, but what you keep.” He serves as the team’s go-to resource for areas such as Roth conversions, stock compensation planning, legacy strategies, and philanthropic giving—helping clients across all life stages pursue greater tax efficiency and long-term impact.
At his core, Tyler is committed to putting clients first, always acting with integrity, excellence, and selfless service. His goal is to build enduring relationships grounded in trust, transparency, and results.
Tyler’s greatest role is that of husband and father. He and his wife, Hannah, stay busy raising their two children—Hollyn and Archer—along with their two dogs, Hoyt the Labradoodle and Scout the Rat Terrier. A passionate outdoorsman, Tyler finds peace and purpose in the wilderness, whether hunting from a tree stand, fly fishing in remote waters, or hiking through mountain trails. He also enjoys staying active through weight training, pickleball, and golf. The Thomas Family are members of Bayou City Fellowship in Spring Branch and spend much of their time surrounded by close friends and extended family.
With nearly a decade of experience at the firm, Tyler focuses on building customized financial plans that reflect what matters most to each client. His role centers on discovering each client’s personal “why”—the deeper goals, values, and priorities that give purpose to their financial journey. Through thoughtful conversation and careful organization, Tyler ensures every plan is both comprehensive and truly personal.
Tyler is especially passionate about maximizing after-tax outcomes and designing strategies that preserve wealth over time. As he often says, “It’s not what you make, but what you keep.” He serves as the team’s go-to resource for areas such as Roth conversions, stock compensation planning, legacy strategies, and philanthropic giving—helping clients across all life stages pursue greater tax efficiency and long-term impact.
At his core, Tyler is committed to putting clients first, always acting with integrity, excellence, and selfless service. His goal is to build enduring relationships grounded in trust, transparency, and results.
Tyler’s greatest role is that of husband and father. He and his wife, Hannah, stay busy raising their two children—Hollyn and Archer—along with their two dogs, Hoyt the Labradoodle and Scout the Rat Terrier. A passionate outdoorsman, Tyler finds peace and purpose in the wilderness, whether hunting from a tree stand, fly fishing in remote waters, or hiking through mountain trails. He also enjoys staying active through weight training, pickleball, and golf. The Thomas Family are members of Bayou City Fellowship in Spring Branch and spend much of their time surrounded by close friends and extended family.
Securities Agent: WA, AL, CO, CA, NY, NC, MT, LA, ID, IA, DE, WI, AZ, OR, NJ, MI, MD, NV, MS, GA, IL, TX, SC, MA, WV, VA, TN, PA, FL, OK; General Securities Representative; Investment Advisor Representative
NMLS#: 1563190
CA Insurance License #: 4020519
NMLS#: 1563190
CA Insurance License #: 4020519
About Cort W. Crawley
Cort joins The Spartan Group as a graduate of the University of Mary Hardin-Baylor, where he earned his B.B.A. in Accounting. During his time at UMHB, he competed on the Men’s Golf Team and was recognized as an All-American Scholar, Conference Champion, and Sportsmanship Athlete of the Year—accolades that reflect his dedication and drive.
Following graduation, Cort began his career in financial reporting, gaining five years of valuable experience. During this time, he also earned his M.B.A. in Finance from the University of Houston–Clear Lake. His passion for both numbers and building meaningful relationships naturally led him to a career in wealth management.
Cort is deeply committed to client education—from simplifying complex financial strategies to reinforcing foundational principles in saving and investing. One of Cort’s major roles is connecting with the next generation of successful professionals, specifically the children and grandchildren of clients, to ensure financial literacy and stewardship across generations. Cort’s mantra with the next generation is “Save Early, Often, and Smart,” a mindset he believes is critical to building long-term financial confidence. In a world of information overload, he sees education as the key to helping people make informed, empowered decisions.
Outside of the office, Cort cherishes his time with his fiancée, Jillian, along with their families and close friends. He’s an avid golfer and enjoys pickleball, cooking, following sports, and watching a good movie. He is a member of Houston’s First Baptist Church, where he values the opportunity to spend his Sunday mornings in worship and community. Cort is also a member and volunteer of the Houston Livestock Show and Rodeo, where he proudly serves on the Swine Auction Committee.
Following graduation, Cort began his career in financial reporting, gaining five years of valuable experience. During this time, he also earned his M.B.A. in Finance from the University of Houston–Clear Lake. His passion for both numbers and building meaningful relationships naturally led him to a career in wealth management.
Cort is deeply committed to client education—from simplifying complex financial strategies to reinforcing foundational principles in saving and investing. One of Cort’s major roles is connecting with the next generation of successful professionals, specifically the children and grandchildren of clients, to ensure financial literacy and stewardship across generations. Cort’s mantra with the next generation is “Save Early, Often, and Smart,” a mindset he believes is critical to building long-term financial confidence. In a world of information overload, he sees education as the key to helping people make informed, empowered decisions.
Outside of the office, Cort cherishes his time with his fiancée, Jillian, along with their families and close friends. He’s an avid golfer and enjoys pickleball, cooking, following sports, and watching a good movie. He is a member of Houston’s First Baptist Church, where he values the opportunity to spend his Sunday mornings in worship and community. Cort is also a member and volunteer of the Houston Livestock Show and Rodeo, where he proudly serves on the Swine Auction Committee.
Securities Agent: DE, AL, WI, PA, SC, OR, MI, FL, ID, WV, TX, LA, VA, MT, TN, OK, NJ, DC, IL, WA, NY, MA, IA, CO, AZ, NV, UT, NC, MS, MD, GA, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 2585916
CA Insurance License #: 374013
NMLS#: 2585916
CA Insurance License #: 374013
About Zaida Gil
Zaida is a experienced professional in the securities industry with over a decade of experience, including many years as a valued team member at Morgan Stanley. She is recognized for her strong problem-solving skills and unwavering commitment to supporting both clients and colleagues.
Zaida earned her Bachelor of Business Administration from the University of Houston–Downtown. Originally from Monterrey, Nuevo León, Mexico, she has made Houston her home and remains actively engaged in both her church and local community. Outside of work, Zaida is a devoted parent who treasures quality time with her young daughter.
Zaida earned her Bachelor of Business Administration from the University of Houston–Downtown. Originally from Monterrey, Nuevo León, Mexico, she has made Houston her home and remains actively engaged in both her church and local community. Outside of work, Zaida is a devoted parent who treasures quality time with her young daughter.
Contact Jason Bernstein
Contact Tyler Thomas
Contact Cort W. Crawley
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
Ben Cucuzza
Private Banker
About Ben Cucuzza
Ben Cucuzza is a Private Banker serving Morgan Stanley Wealth Management offices in Texas.
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.
Ben began his career in financial services in 2005 and joined Morgan Stanley in 2022. Prior to joining the firm, he was an Affluent Segment Leader at Wells Fargo Bank, N.A.
Ben is a graduate of the University of Georgia, where he received a Bachelor of Business Administration in Marketing. He lives in Houston, Texas with his family. Outside of the office, Ben is involved with the Junior Achievement as well as the Big Brothers Big Sisters program. He also enjoys fishing, sports, and watching the Georgia Bulldogs.
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.
Ben began his career in financial services in 2005 and joined Morgan Stanley in 2022. Prior to joining the firm, he was an Affluent Segment Leader at Wells Fargo Bank, N.A.
Ben is a graduate of the University of Georgia, where he received a Bachelor of Business Administration in Marketing. He lives in Houston, Texas with his family. Outside of the office, Ben is involved with the Junior Achievement as well as the Big Brothers Big Sisters program. He also enjoys fishing, sports, and watching the Georgia Bulldogs.
NMLS#: 703137
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Wealth Management
From Our Team
After-Tax Advisor Seminar Invitation - OCT2025
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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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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
Article Image
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
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
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 Spartan Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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.
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.
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.
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.
6Municipal 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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
12When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
13When 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.
14Alternative 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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.
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.
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.
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.
6Municipal 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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
12When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
13When 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.
14Alternative 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
