James F. Meyers, CRPC®
Managing Director, Wealth Management, Financial Advisor, Alternative Investments Director
Phone:
(724) 933-1475(724) 933-1475
The Steel City Group at Morgan Stanley
Direct:
(724) 933-1475(724) 933-1475
Our Mission Statement
Our mission is to build lasting relationships with our clients by delivering tailored financial advice and investment strategies that align with their aspirations and values.
Our Story and Services
The Steel City Group at Morgan Stanley is a team of professionals who are dedicated to helping highly-successful individuals, families and businesses achieve their most ambitious financial objectives. Using a combination of time-tested disciplines, cutting-edge technology and white-glove service, we help our clients to build and preserve wealth, to realize short- and long-term goals and to create a meaningful legacy.
Services Include
- Wealth ManagementFootnote1
- 401(k) Rollovers
- Financial PlanningFootnote2
- Executive Financial ServicesFootnote3
- Estate Planning StrategiesFootnote4
- Trust AccountsFootnote5
- Corporate BondsFootnote6
- Municipal BondsFootnote7
- AnnuitiesFootnote8
- Cash Management and Lending ProductsFootnote9
- Alternative InvestmentsFootnote10
- Life InsuranceFootnote11
- Long Term Care InsuranceFootnote12
- Planning for Education FundingFootnote13
- UGMA/UTMAFootnote14
- Qualified Retirement PlansFootnote15
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Planning Process
Step 1: Introductory Meeting
Your first meeting with The Steel City Group will consist of an in-depth conversation about what is important to you and your family. What are your passions? What are your values? What do you envision your life looking like in five years, ten years and beyond?
Step 2: Discovery Meeting
Next comes a thorough review of your current financial profile, which typically consists of:
• Assets (401k, IRA, brokerage, savings, etc.)
• Liabilities (mortgage(s), student loans, auto loans, etc.)
• Insurance (whole life, term, long-term care, etc.)
• Tax- and estate-related items
A deep understanding of these items is critical as they will serve as the foundation of your holistic financial plan.
• Assets (401k, IRA, brokerage, savings, etc.)
• Liabilities (mortgage(s), student loans, auto loans, etc.)
• Insurance (whole life, term, long-term care, etc.)
• Tax- and estate-related items
A deep understanding of these items is critical as they will serve as the foundation of your holistic financial plan.
Step 3: Present Your Plan
The first draft of your financial plan will serve as a “blank canvas” of sorts. With your investment time-horizon and tolerance for risk in mind, we will examine various scenarios that take a number of variables into consideration, including saving/spending rates, Social Security income, investment allocation and hypothetical investment returns. It is at this stage that we will work with you to formulate and implement a custom-tailored strategy that best aligns with your unique circumstances.
Step 4: Monitoring Performance
A financial plan is only useful if it is regularly revisited in conjunction with your investment, estate and tax strategies. This is accomplished through regular communication and discussion with knowledgeable professionals explicitly licensed in these specialty areas. Throughout all possible market conditions, our primary objective is to ensure that we continue to remain on-track towards achieving your goals.
Who We Work With
Welcome to the Steel City Group, where we focus on delivering tailored financial strategies to a diverse clientele, including Ultra High Net Worth Individuals, High Net Worth Individuals, and a variety of retail clients, foundations, small businesses, and 401(k) plans. Our experienced team is dedicated to providing strategic advice and innovative services that can help empower our clients to achieve their unique financial goals and help to secure their future.
Ultra High Net Worth Individuals (UHNWIs):
These individuals possess investable assets exceeding $10 million. Our services are designed to address the complex financial needs of UHNWIs, offering bespoke solutions and strategic advice. We leverage our extensive network and experience to deliver innovative strategies that can align with their sophisticated financial objectives.
High Net Worth Individuals (HNWIs):
These individuals who have investable assets ranging from $1 million to $10 million. We provide comprehensive wealth management strategies to help them achieve their financial goals. Our dedicated team helps ensure that each HNWI receives personalized attention and strategic advice that seeks to optimize their financial portfolios.
Small Businesses
A portion of our client base includes foundations, small businesses, and 401(k) plans. We offer a range of services to support their financial growth and stability. Our commitment is to provide accessible and effective financial strategies that can help empower these clients to achieve their long-term aspirations.
Are You Prepared?
There are few greater feelings as wealth management professionals than watching you not only achieve the retirement of your dreams but also maintain your desired lifestyle and purpose through your entire retirement. Many people assume that their preparation for retirement ends once they reach retirement. Our goal is to help you continue and improve your lifestyle, even after retiring. Below are important topics, questions and concerns that you should be aware of when planning for your golden years. Don't hesitate to reach out to our team with any questions!
Social Security Benefits
If you’ve built a healthy nest egg for your retirement, you may not be relying on Social Security benefits to cover expenses when you stop working. Still, there are important considerations to keep in mind around when and how to claim Social Security that can help you make the most of your benefits for retirement and other financial goals.
It Can Pay to WaitLocation
2100 Georgetown Dr
Ste 500
Sewickley, PA 15143
US
Direct:
(724) 933-1475(724) 933-1475
Meet The Steel City Group
Curt L. Coulter
Senior Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(724) 933-1569(724) 933-1569
Samuel C. Applegate
Financial Advisor, Vice President
Phone:
(724) 933-1481(724) 933-1481
Eric Nan
Vice President, Consulting Group Analyst
Phone:
(724) 933-1498(724) 933-1498
Stacey Elias
Client Relationship Analyst
Phone:
(724) 933-1473(724) 933-1473
Diana Colbert
Director of Business Strategy
Phone:
(724) 933-1599(724) 933-1599
About James F. Meyers
Jim is a Managing Director, Alternative Investments Director and a Financial Advisor. He is a Chartered Retirement Planning Counselor (CRPC®) with 30 years of wealth management experience and has been with Morgan Stanley since 2009.
Jim’s philosophy is centered on a goals-based approach that uses financial planning to create an asset allocation that helps clients achieve their financial and life goals. With the support of a global firm, Jim is proud of his team’s ability to provide boutique attention to all of their clients throughout various market cycles and life events.
Jim enjoys spending time with his wife, Colleen and their four children: Jessica, Jimmy, Jake and Paige. He enjoys golf, paddle tennis, skiing and mountain biking.
Jim’s philosophy is centered on a goals-based approach that uses financial planning to create an asset allocation that helps clients achieve their financial and life goals. With the support of a global firm, Jim is proud of his team’s ability to provide boutique attention to all of their clients throughout various market cycles and life events.
Jim enjoys spending time with his wife, Colleen and their four children: Jessica, Jimmy, Jake and Paige. He enjoys golf, paddle tennis, skiing and mountain biking.
Securities Agent: TN, DE, TX, CA, WV, KY, SC, FL, MA, CO, AZ, WA, NY, LA, VA, NJ, IL, ID, AL, MN, WI, PA, NV, NM, NC, KS, GA, CT, MO, MI, ME, MD, OH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1809610
CA Insurance License #: 0D07845
NMLS#: 1809610
CA Insurance License #: 0D07845
About Curt L. Coulter
I have been in the securities business since 1994. My professional focus is developing investor portfolios, centered on the growth and income potential of equities, but with an emphasis on risk management. Often these portfolios are targeted to fund education planning and retirement planning.
I am a graduate of the McIntire School of Commerce at the University of Virginia. A native of Pittsburgh, I live with my wife, Catherine, in Oakmont and have two grown sons, Knox and Watts. My personal interests include golf and a golf course architecture, bourbon, wine, travel and fitness.
NMLS #2598512
I am a graduate of the McIntire School of Commerce at the University of Virginia. A native of Pittsburgh, I live with my wife, Catherine, in Oakmont and have two grown sons, Knox and Watts. My personal interests include golf and a golf course architecture, bourbon, wine, travel and fitness.
NMLS #2598512
Securities Agent: SC, NJ, CO, ID, FL, WI, NV, CA, AZ, AL, VA, TN, NM, IL, LA, WV, WA, MI, CT, MN, PA, OH, NY, ME, TX, NC, MD, MO, MA, KS, GA, DE, UT; General Securities Representative; Investment Advisor Representative
NMLS#: 2598512
NMLS#: 2598512
About Samuel C. Applegate
Sam Applegate is a Financial Advisor who has been with Morgan Stanley since 2009 and has worked in the financial services industry for over 17 years.
As a third generation Advisor with family roots in the industry, Sam deploys careful and individualized planning solutions. Sam strives to consistently communicate with his clients in a straight-forward manner to demystify important financial concepts. As clients enter new life stages and their needs change, Sam offers customized solutions that evolve in conjunction with their lives and the world around us. With a large team of highly skilled professionals, Sam and his group offer a first-class standard of service to all of their clients.
Sam is a graduate of the University of Maine, earning his degree in Environmental Science. Sam enjoys spending time with his wife, Sarah and their son, Oscar. He enjoys hunting, fishing, hiking and playing the guitar. Sam volunteers with the Nooksack Salmon Enhancement Society and with his local Boys and Girls Club chapter. He is a member of the Iron City Fishing Club and the Belington Yacht Club.
As a third generation Advisor with family roots in the industry, Sam deploys careful and individualized planning solutions. Sam strives to consistently communicate with his clients in a straight-forward manner to demystify important financial concepts. As clients enter new life stages and their needs change, Sam offers customized solutions that evolve in conjunction with their lives and the world around us. With a large team of highly skilled professionals, Sam and his group offer a first-class standard of service to all of their clients.
Sam is a graduate of the University of Maine, earning his degree in Environmental Science. Sam enjoys spending time with his wife, Sarah and their son, Oscar. He enjoys hunting, fishing, hiking and playing the guitar. Sam volunteers with the Nooksack Salmon Enhancement Society and with his local Boys and Girls Club chapter. He is a member of the Iron City Fishing Club and the Belington Yacht Club.
Securities Agent: DC, MO, WA, OH, MN, TN, SC, GA, DE, VA, ME, AZ, WI, MA, KS, ID, WV, TX, NM, NJ, MI, IL, CT, AL, PA, NC, MD, LA, CA, NY, FL, CO, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1398731
CA Insurance License #: 0K18949
NMLS#: 1398731
CA Insurance License #: 0K18949
About Eric Nan
As a Consulting Group Analyst, Eric is responsible for both the day-to-day research associated with and the monitoring of the investment programs we implement on behalf of our clients. Eric’s deep understanding of the complexities and intricacies associated with the capital markets has been developed over the course of his nearly 25 years in the financial services industry.
Eric is a graduate of Slippery Rock University with a degree in Sport/Business Management. He lives in Hopewell Township with his wife and two boys. In his spare time, Eric enjoys camping with his family.
Eric is a graduate of Slippery Rock University with a degree in Sport/Business Management. He lives in Hopewell Township with his wife and two boys. In his spare time, Eric enjoys camping with his family.
About Stacey Elias
As a Client Relationship Analyst, Stacey is responsible for ensuring seamless day-to-day administrative operations as well as white-glove service for our clients. Stacey has been in the financial services industry since 2007 and leverages her capabilities to provide a client experience that is nothing short of exceptional.
Stacey studied at Youngstown State University and currently resides in the Pittsburgh area with her grandfather, for whom she provides care. In her spare time, she enjoys cooking for and spending time with her family and friends.
Stacey studied at Youngstown State University and currently resides in the Pittsburgh area with her grandfather, for whom she provides care. In her spare time, she enjoys cooking for and spending time with her family and friends.
About Diana Colbert
Diana began her career working as a marketing associate and eventually as a client service professional. After gaining additional experience outside the firm, she returned in 1995 during our Smith Barney era, where she advanced into management roles, including Operations Manager, Risk Officer, and Senior Risk Officer.
Diana brings enthusiasm and a wealth of experience to The Steel City Group and is looking forward to providing excellent service to our clients.
Diana brings enthusiasm and a wealth of experience to The Steel City Group and is looking forward to providing excellent service to our clients.
Securities Agent: DC, CT, NM, ME, FL, VA, OR, NV, MT, MN, IA, WY, RI, LA, NY, NH, MI, MA, CO, AL, MO, KY, GA, DE, TX, PR, PA, KS, IN, CA, WV, TN, IL, WI, SC, NC, ID, UT, SD, OH, NJ, MD, AZ, AK, WA, VI, HI; General Sales Supervisor; General Securities Representative; Investment Advisor Representative
Contact James F. Meyers
Contact Curt L. Coulter
Contact Samuel C. Applegate
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Joshua Gilbert
Private Banker
About Joshua Gilbert
Joshua Gilbert is a Private Banker serving Morgan Stanley’s Wealth Management offices in Ohio.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Joshua began his career in financial services in 2001 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Banking Client Manager at U.S. Bank. He also held numerous roles with progressive responsibilities at JPMorgan Chase Bank, where he notably served as a Branch Manager.
Joshua currently resides in Cincinnati, Ohio. Outside of the office, Joshua dedicates his time to various civic organizations focused on fostering the well-being of others, such as Lighthouse Youth & Family Services, and the Freestore Foodbank. In his spare time, Joshua enjoys traveling, hiking, skiing, and staying healthy and active.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Joshua began his career in financial services in 2001 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Banking Client Manager at U.S. Bank. He also held numerous roles with progressive responsibilities at JPMorgan Chase Bank, where he notably served as a Branch Manager.
Joshua currently resides in Cincinnati, Ohio. Outside of the office, Joshua dedicates his time to various civic organizations focused on fostering the well-being of others, such as Lighthouse Youth & Family Services, and the Freestore Foodbank. In his spare time, Joshua enjoys traveling, hiking, skiing, and staying healthy and active.
NMLS#: 427087
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 Steel City Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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.
3Morgan 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.
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 and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Municipal 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.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
10Alternative 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
14Morgan 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.
15When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan 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.
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 and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Municipal 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.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
10Alternative 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
14Morgan 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.
15When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
