Derek A. Steinbrenner
First Vice President, Wealth Management, Financial Advisor, Portfolio Management Director, Financial Planning Specialist
Phone:
(401) 845-3524(401) 845-3524
Industry Award WinnerOur Mission Statement
Helping successful families navigate wealth with clarity, confidence, discipline, and purpose.
Your Goals. Our Guidance.
Significant wealth often brings a more complex set of decisions.
For many families, business owners, executives, and individuals with meaningful assets, the questions are rarely isolated to investments alone. They often involve how to preserve wealth, create income, manage taxes, support family, protect against risk, prepare for transitions, and make confident decisions when markets, life, and business are all moving at once.
The Steinbrenner Sweeney Group at Morgan Stanley helps bring structure, clarity, and discipline to those decisions.
Our process begins with a deep understanding of each client's financial world: what has been built, what matters most, where complexity exists, and what the future needs to support. From there, planning and investment strategy are connected into a coordinated framework designed to help clients make informed decisions with greater confidence.
Investment management is grounded in discipline, perspective, and long-term thinking. Rather than reacting to short-term market noise, the focus is on building and maintaining a strategy aligned with each client's goals, time horizon, income needs, risk profile, and broader financial priorities.
At the same time, our approach to wealth management extends well beyond the portfolio. Enhanced by the resources and institutional capabilities of Morgan Stanley, our clients have access to planning, lending, insurance, risk management, cybersecurity, and other sophisticated solutions that can help address the many moving parts of a complex financial life.
The goal is to deliver advice that is both highly informed and deeply personal.
For clients navigating meaningful wealth, the value is not simply in having access to resources. It is in having a steadfast partner, a thoughtful process, a disciplined investment approach, and a relationship built around helping bring the right resources to the right decisions at the right time.
Our Process
- We begin by developing a comprehensive understanding of your financial world: your needs, goals, wishes, priorities, preferences, and concerns. We help you determine where you are financially and—more importantly—where you want to go.
- We work with you to build and implement a financial and investment plan specifically appropriate to you—tailored to your unique financial circumstances, time horizons, and risk comfort level. Our hope is that each client is confident in the strategy we’ve created together.
- Our disciplined processes for portfolio management and client service help ensure high levels of attention and care for our clients and their investment portfolios. These include active monitoring of investment performance and client portfolios against strategies, responsiveness and accessibility to clients, regular client portfolio reviews and financial plan updates, and sophisticated income and tax management strategies.
Services Include
- Professional Portfolio ManagementFootnote1
- Wealth ManagementFootnote2
- Financial PlanningFootnote3
- Retirement PlanningFootnote4
- Divorce Financial AnalysisFootnote5
- Estate Planning StrategiesFootnote6
- Asset Management
- Planning for Education FundingFootnote7
- Trust AccountsFootnote8
- Endowments and FoundationsFootnote9
- Corporate Retirement PlansFootnote10
- 401(k) Rollovers
- Cash Management and Lending ProductsFootnote11
- Sustainable InvestingFootnote12
- Life InsuranceFootnote13
- AnnuitiesFootnote14
- Philanthropic ManagementFootnote15
- Planning for Individuals with Special Needs
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Financial Planning that is tailored to address what is going on in your life
Regardless of your stage in life—just starting out, advancing in your career, raising a family, enjoying retirement, planning a legacy, or something in between—as your Financial Advisors, we can help you achieve your financial aspirations.
We can create your personal roadmap to help you grow and protect your wealth – a framework that connects your life goals with your financial resources and provides a touchstone for our work together.
We can create your personal roadmap to help you grow and protect your wealth – a framework that connects your life goals with your financial resources and provides a touchstone for our work together.
Retirement & Financial Goal Analysis
Throughout your life, we help you articulate and plan for your financial goals, near and far—from retirement and legacy-planning to education and homeownership. We use advanced planning tools to analyze investment and savings strategies, translate the results into options and recommendations tailored to you, and regularly monitor and review progress with you to help keep you on-track.
Estate & Legacy Planning Strategies
It’s important to plan for what will happen with your wealth when you’re gone or need help. Wills, revocable and irrevocable trusts, Medicaid planning, powers of attorney, transfer-on-death—we help you understand the landscape, consider your options, and coordinate with your estate attorney to help ensure that your wishes are heard, understood, and met.
Investment Management
As fiduciaries, we steward your investment portfolio in your best interest—consistent with your needs, goals, preferences, risk tolerance, and tax circumstances. We manage your investments in accordance with a holistic investment strategy tailored to you, and we review your portfolio with you on a regular basis.
Tax Optimization
Tax-smart investing and withdrawal strategies can help you mitigate exposure to current taxes in your portfolio and keep more of what you’ve earned. From income and capital gains taxes to estate taxes and tax penalty pitfalls, we use active tax-reduction strategies and look for opportunities to help reduce your tax bill, saving more for what matters most to you.
Cash Flow Analysis & Income Planning
We assist with analyzing and projecting income and expenses, understanding your cash flows, budgeting, building reserves, and establishing savings plans. We provide insights and analysis into Social Security, pensions, annuities, investments, and other current and future income sources to help plan the optimal mix and timing of income to keep you on-track for your goals.
Debt Management
We review your mortgages, car loans, credit cards, and any other debts that you may have, helping you identify opportunities to restructure debt to improve cash flow and/or reduce interest expense, prioritize repayment based on the most pertinent factors, and establish an optimal payment plan based on your situation.
Insurance Analysis
We review your financial risk profile, assess the factors that drive insurance needs, and identify potential areas of exposure to help you determine the right mix and amounts of insurance coverage for you. We also assess your existing coverages to identify areas that may warrant changes.
Marriage
Few events are more exciting than when you decide to align your life with the person you love. We help you plan for these milestones and guide these conversations.
Birth
Welcoming a child into the family is a joyous occasion for everyone from parents and grandparents to aunts, uncles, siblings, cousins and other extended family members. Therefore, we help you and other family members plan and prepare for the financial components that a new child may introduce into your lives
Divorce
Separating from a spouse is tough emotionally and financially. We help guide you through this difficult time, coordinating with your attorney to navigate complex financial decisions and help avoid the many pitfalls that can arise. Coming out of your divorce, we also help you establish your independent financial footings, reimagine your goals, and rebuild your financial wellbeing as you transition into the next chapter of your life.
Widowhood
Dealing with death is never easy. Aside from coping with the loss of a loved one, legal matters also require immediate attention. That is why we help you plan ahead to ensure that your wishes and your will are followed.
Elder Care
Aging can be challenging whether you are looking to develop a plan for yourself, or trying to figure out the best way to support your loved ones. Elder care may be a complicated, emotional process that is why we help keep you develop a clear plan that prioritizes the desires and preferences of the aging individual.
Business Owners
From executive-level employment situations to other business ventures—from startups to established enterprises we can help you navigate the complexities of business ownership and investment and associated activities such as selling, divesting or planning for succession.
Education
Education is a major investment and expense that often requires years of careful, advanced planning. help you approach a variety of educational expenses, such as tuition, extension programs and advanced professional training, with appropriate funding strategies for each unique situations.
Resources to help keep you educated and protected.
Tax Preparation & Planning
These resources can help you prepare your taxes for the prior year and plan for the year ahead.
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Retirement Planning & Savings Strategies
Core to our role as fiduciaries is building a comprehensive understanding of your financial world and eliciting your goals and aspirations for the future, helping you chart a course to attain them. These are some of the tools we use to build that foundational understanding, and to help you optimize tax-sheltered retirement savings opportunities.
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Cash Flow Planning
We can help you determine your financial needs, articulate your goals, clarify your current and projected cash flows, craft savings plans that help you stay on track to reach your goals, and structure your income and cash flows to help maintain your desired lifestyle before and throughout retirement. These are some of the tools we use to do this.
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Social Security & Medicaid Planning
Decisions regarding Social Security and Medicare can be some of the most consequential for your retirement. The rules and choices can be complex and overwhelming: when to file, how spousal and survivor benefits work, how they fit in with employment and pension decisions. We can help you consider the options and choose the right path for your situation. These resources can help you understand and consider your options.
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Estate Planning & Preparation
Wills, trusts, powers of attorney—we can coordinate with your estate planning attorney to help you establish and maintain your estate plan in accordance with your needs and wishes. Here, we’ve included resources that can help you organize the key documents and information if your estate and consider estate tax strategies that may benefit your family.
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Adapting to Life
We plan for what we think and hope our life will bring, and we insure against the risks we see. But life has a way of surprising us, throwing curve balls, and forcing us to adapt to things we didn’t expect. We are here for you, in your corner, whatever comes your way. We will help you figure it out, get through it, and find your way on the other side. Here, we have posted a few resources we have found helpful in some of these situations.
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Charitable Giving
There are a variety of strategies available to help you make an impact with your wealth while also reducing or optimizing your income or estate tax liability: qualified charitable distributions, donor advised funds, charitable remainder trusts, and more. These resources that may help you understand and consider your options.
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Market Insights
The following reports, articles, and podcasts address many of the concepts that support our wealth management philosophy and investment strategies and can help you keep your finger on the pulse of market movements and trends.
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Protection from Identity Theft, Scams, & Fraud
Identity theft and financial scams are rampant today and constantly evolving. They can come by telephone (e.g., robocalls), email, and text messages. Be aware of social engineering techniques designed to compromise valuable personal and financial information, which frequently target senior and vulnerable adults. Here we’ve included fact sheets on several common scams, as well as links to additional guidance on protecting your identity and security, and to our Experian Identity & Credit Protection benefit available to clients.
Webcasts hosted to educate you.
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term results. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
From time to time, Morgan Stanley hosts live webcasts featuring the firm’s market strategists, external experts commenting on current events affecting financial markets, cybersecurity professionals advising on emerging threats and protections, prominent industry and cultural figures discussing their personal journeys, and more. Here you can register to attend upcoming events and view recordings of recent events we think you might find of interest.
From time to time, Morgan Stanley hosts live webcasts featuring the firm’s market strategists, external experts commenting on current events affecting financial markets, cybersecurity professionals advising on emerging threats and protections, prominent industry and cultural figures discussing their personal journeys, and more. Here you can register to attend upcoming events and view recordings of recent events we think you might find of interest.
Upcoming Webcasts
Cybersecurity and Digital Wealth Protection | Monday, October 5 2026 at 4:00 PM ET
Register HerePhilanthropy for The Next Generation | Monday, November 2 2026 at 4:00 PM ET
Register HereRobots, Artificial Intelligence and the Future of Investing & Finance | Monday, December 7,2026 at 4:00 PM ET
Register HereAI and Cybersecurity: Staying Secure in an Evolving Digital Landscape | Monday, October 26, 2026 12:15 PM EDT
Register NowRecordings of Webcasts
Timely Commentary
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Financial Education
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Investor Education
DIGITAL TOOLS
Morgan Stanley continually invests in developing an expanding array of sophisticated technology to support our clients, including state of the art account security, identity protection, and comprehensive financial planning.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorizations.
Click Here to Learn More and Log In
E-Authorization
With E-Authorization, you no longer need to sign a paper letter of Authorization (LOA) to authorize wire transfers and many other requests.
Log Into MSO to Sign Up for E-Authorization
E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures from clients on paperwork. There is no registration process for you to begin using E-Sign - all you need is a valid email address and phone number.
Click Here to Learn How to Sign Up
Digital Vault
Digital Vault on Morgan Stanley Online and the mobile app allows for easy sharing and convenient access to life's most important documents from wills and deeds to financial statements and tax fillings. Easily manage your encrypted documents all in one place.
Watch this Video to Learn More
Total Wealth View
The ability to view all of your assets and liabilities together, whether held at Morgan Stanley or elsewhere, enables us to advise with your entire financial picture in mind.
Click Here to Learn More
Goals Planning System
A holistic Goals Planning System (GPS) analysis helps us tailor an investment framework that considers key aspects of your life, such as retirement age, healthcare costs, home buying, cash management, legacy needs, and potential withdrawal strategies. Using goals as a benchmark, the investment strategy is continuously evaluated to help ensure you remain on-track.
Watch this Video to Learn More
VoiceID
VoiceID stores a unique voiceprint that can be used to confirm your identity when you call Morgan Stanley. Having your voiceprint on file reduces the risk of fraud by helping protect you from attempts to gain unauthorized access to your accounts.
Click Here to Learn More, or Call 800-869-3326 to Enroll
Identity & Credit Protection
A complimentary benefit provided by Experian® for Morgan Stanley clients who open a CashPlus account for everyday banking, we offer a robust suite of premium monitoring and identity services to help safeguard your personal information.
Click Here to Learn MoreLocation
284 Bellevue Ave
Newport, RI 02840
US
Direct:
(401) 845-3541(401) 845-3541
Meet The Steinbrenner Sweeney Group
Christopher C. Puranananda
First Vice President, Wealth Management, Financial Advisor, Portfolio Management Director, Financial Planning Specialist
Phone:
(401) 845-3541(401) 845-3541
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Manager, Financial Planning Specialist
Phone:
(401) 845-3501(401) 845-3501
Jessica R. Coriander
Client Service Associate
Phone:
(401) 845-3520(401) 845-3520
Jennifer Vaughn
Registered Client Service Associate
Phone:
(401) 845-3537(401) 845-3537
About Derek A. Steinbrenner
Derek works alongside Chris in all aspects of our practice, from analyzing our investment strategies, to implementing them in client portfolios, to conducting financial goal analysis and planning with clients. He also drives process improvement for the team and works to ensure our high level of client service. With advanced degrees in business and psychology emphasizing quantitative analysis, and a 15-year career in management consulting operations, he brings a distinctive perspective and skillset to our practice and clients.
Prior to joining the Steinbrenner Group, Derek was principal and director of operations for Cambria Consulting, a Boston-based human resource management consulting firm. Derek’s experience working with the firm’s global network of independent executive coaches gives him insight into the financial opportunities, challenges, and concerns of independent contractors and small business owners.
Derek holds a BA in psychology, magna cum laude, from Tufts University, a master’s in psychology from Bowling Green State University, and an MBA from Columbus State University. He and his wife, Corinne, a freelance writer and editor, reside in East Greenwich, Rhode Island, with their two middle-school-age sons, Garrett and Jonah. An active member of the East Greenwich community, Derek chairs the East Greenwich Land Trust and is treasurer of Troop 2, East Greenwich.
Prior to joining the Steinbrenner Group, Derek was principal and director of operations for Cambria Consulting, a Boston-based human resource management consulting firm. Derek’s experience working with the firm’s global network of independent executive coaches gives him insight into the financial opportunities, challenges, and concerns of independent contractors and small business owners.
Derek holds a BA in psychology, magna cum laude, from Tufts University, a master’s in psychology from Bowling Green State University, and an MBA from Columbus State University. He and his wife, Corinne, a freelance writer and editor, reside in East Greenwich, Rhode Island, with their two middle-school-age sons, Garrett and Jonah. An active member of the East Greenwich community, Derek chairs the East Greenwich Land Trust and is treasurer of Troop 2, East Greenwich.
Securities Agent: CA, AZ, NV, MN, FL, TX, IN, HI, NM, MO, VT, TN, AL, AK, PA, OH, NY, NJ, MD, KY, ID, NH, MA, CT, UT, VA, SC, ME, DE, DC, WA, RI, CO, MI, IL, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1451643
CA Insurance License #: 0L05374
NMLS#: 1451643
CA Insurance License #: 0L05374
About Christopher C. Puranananda
Chris’s interest in investing began at a young age, when he would sit with his father and pick stocks from the Wall Street Journal. That experience set the foundation for a lifelong interest in the stock market and taught him the importance of choosing investments wisely, planning for the future, and focusing on the long term.
Joining The Steinbrenner Group has given Chris the opportunity to share his extensive financial knowledge and understanding with others, and help our clients make smart financial decisions. Chris works alongside Derek in all aspects of our practice, from analyzing our investment strategies, to implementing them in client portfolios, to conducting financial goal analysis and planning with clients. He has also developed a focus in the arena of education funding and college financial planning, including strategies for maximizing financial aid eligibility.
Chris holds a BS in electrical engineering from Tufts University and an MBA in finance from DePaul University. Before joining Morgan Stanley, he spent over 20 years in the Telecom industry, working with a wide range of businesses, from Fortune 500 companies to small start-ups. Chris and his wife, Erin (Derek’s sister) reside in Newport, RI. Both of their children are attending the University of Colorado Boulder, Claire is working toward her PhD in geochemistry and Carter is studying business with a concentration in finance.
Joining The Steinbrenner Group has given Chris the opportunity to share his extensive financial knowledge and understanding with others, and help our clients make smart financial decisions. Chris works alongside Derek in all aspects of our practice, from analyzing our investment strategies, to implementing them in client portfolios, to conducting financial goal analysis and planning with clients. He has also developed a focus in the arena of education funding and college financial planning, including strategies for maximizing financial aid eligibility.
Chris holds a BS in electrical engineering from Tufts University and an MBA in finance from DePaul University. Before joining Morgan Stanley, he spent over 20 years in the Telecom industry, working with a wide range of businesses, from Fortune 500 companies to small start-ups. Chris and his wife, Erin (Derek’s sister) reside in Newport, RI. Both of their children are attending the University of Colorado Boulder, Claire is working toward her PhD in geochemistry and Carter is studying business with a concentration in finance.
Securities Agent: TX, AZ, VA, NM, ME, MA, IL, HI, MN, CA, AK, OH, NJ, MD, ID, WA, NY, NH, DC, VT, IN, CO, AL, UT, TN, NV, KY, GA, PA, MO, MI, DE, SC, RI, FL, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1705084
CA Insurance License #: OM15869
NMLS#: 1705084
CA Insurance License #: OM15869
About Patrick M. Sweeney
Patrick Sweeney has been a dedicated wealth management professional since 1989 bringing over three decades of experience helping guide clients toward their financial goals. With a strong foundation in accounting and extensive training in financial services, Patrick offers comprehensive financial planning and asset management strategies tailored to each client’s unique needs.
Over the course of his career, Patrick has worked with clients through some of the most challenging economic events of the past several decades—including the Dot-com bubble of 2000, the aftermath of September 11th, the Great Recession of 2008, and the COVID-19 pandemic. His steady leadership and market experience have been instrumental in helping clients evaluate decisions during turbulent times.
He holds multiple industry licenses, including the Series 7, 63,65, and 31 as well as state insurance and national mortgage licenses. Patrick is also a Morgan Stanley Financial Planning Specialist a designation that underscores his commitment to delivering thoughtful, strategic financial advice.
Having worked at the same firm—or its predecessor firms—since graduating college, Patrick’s career reflects a commitment to continuity, loyalty and perseverance. These values have served both him and his clients well as a long-term employee of Morgan Stanley.
A fourth-generation Newport Island native, Patrick returned to his hometown in 2005 after spending 15 years at the Smith Barney mega branch in Boston. He is married with three children and remains actively involved in the local community.
Outside of the office, Patrick leads an active lifestyle and enjoys endurance racing. He has competed in several Spartan Races, Tough Mountain Challenges, half marathons, and numerous 5Ks. An avid outdoorsman, he has hiked most of the Maine Appalachian Trail and continually seeks new physical and [mental] challenges. He has completed several survival courses in Alaska and undertaken solo expeditions in remote areas in northern Alaska. His adventures also include hiking in the Swiss Alps, across Italy, and through the rugged terrain of the northern Canadian Rockies.
Patrick also holds a Merchant Marine license and has been an enthusiastic boater for over 35 years. His offshore adventures have taken him around the world, where he has participated in catch-and-release programs for tuna, shark, and marlin—combining his love for the ocean with a commitment to marine conservation.
Over the course of his career, Patrick has worked with clients through some of the most challenging economic events of the past several decades—including the Dot-com bubble of 2000, the aftermath of September 11th, the Great Recession of 2008, and the COVID-19 pandemic. His steady leadership and market experience have been instrumental in helping clients evaluate decisions during turbulent times.
He holds multiple industry licenses, including the Series 7, 63,65, and 31 as well as state insurance and national mortgage licenses. Patrick is also a Morgan Stanley Financial Planning Specialist a designation that underscores his commitment to delivering thoughtful, strategic financial advice.
Having worked at the same firm—or its predecessor firms—since graduating college, Patrick’s career reflects a commitment to continuity, loyalty and perseverance. These values have served both him and his clients well as a long-term employee of Morgan Stanley.
A fourth-generation Newport Island native, Patrick returned to his hometown in 2005 after spending 15 years at the Smith Barney mega branch in Boston. He is married with three children and remains actively involved in the local community.
Outside of the office, Patrick leads an active lifestyle and enjoys endurance racing. He has competed in several Spartan Races, Tough Mountain Challenges, half marathons, and numerous 5Ks. An avid outdoorsman, he has hiked most of the Maine Appalachian Trail and continually seeks new physical and [mental] challenges. He has completed several survival courses in Alaska and undertaken solo expeditions in remote areas in northern Alaska. His adventures also include hiking in the Swiss Alps, across Italy, and through the rugged terrain of the northern Canadian Rockies.
Patrick also holds a Merchant Marine license and has been an enthusiastic boater for over 35 years. His offshore adventures have taken him around the world, where he has participated in catch-and-release programs for tuna, shark, and marlin—combining his love for the ocean with a commitment to marine conservation.
Securities Agent: TX, CA, UT, OH, GA, VA, NV, NJ, NH, MN, MI, DE, RI, MA, KY, CT, CO, NM, MO, VT, IN, AZ, AK, WA, ME, ID, AL, TN, SC, PA, NY, MD, IL, FL, DC, HI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1275742
NMLS#: 1275742
Contact Derek A. Steinbrenner
Contact Christopher C. Puranananda
Contact Patrick M. Sweeney
Awards and Recognition
Five Star Wealth Advisor
Derek Steinbrenner has received the Five Star Wealth Manager award consecutively since 2022.
His most recent award was issued for 2026 based on the evaluation process below. This evaluation was conducted by Five Star Professional (FSP) for the period from (add start and end dates of evaluation period - click link below to determine dates for your award/market) that considered, among other factors, the following:Favorable regulatory and complaint history review. As defined by FSP, the wealth manager has not: 1.) Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; 2.) Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed, or denied complaints with any regulatory authority or FSP's consumer complaint process.Personal bankruptcy filing within the past 11 years. Termination from a financial services firm within the past 11 years. Conviction of a felony. One-year client retention rate. Five-year client retention rate. Five Star Professional, as a third-party research firm, identified pre-qualified award candidates based on industry data and contacted all identified broker dealers, Registered Investment Advisor firms and FINRA-registered representatives to gather wealth manager nominations. Self-nominations are not accepted. Wealth managers and/or their firms do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers.For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. ©2022 Morgan Stanley Smith Barney LLC. Member SIPC. NOTE: CLICK HERE TO FIND DATES FOR THE EVALUATION PERIODS FOR ALL FIVE-STAR AWARDS - LISTED BY MARKET.
Five Star Wealth Advisor
Chris Puranananda has received the Five Star Wealth Manager award consecutively since 2023.
His most recent award was issued for 2026 based on the evaluation process below. This evaluation was conducted by Five Star Professional (FSP) for the period from (add start and end dates of evaluation period - click link below to determine dates for your award/market) that considered, among other factors, the following:Favorable regulatory and complaint history review. As defined by FSP, the wealth manager has not: 1.) Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; 2.) Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed, or denied complaints with any regulatory authority or FSP's consumer complaint process.Personal bankruptcy filing within the past 11 years. Termination from a financial services firm within the past 11 years. Conviction of a felony. One-year client retention rate. Five-year client retention rate. Five Star Professional, as a third-party research firm, identified pre-qualified award candidates based on industry data and contacted all identified broker dealers, Registered Investment Advisor firms and FINRA-registered representatives to gather wealth manager nominations. Self-nominations are not accepted. Wealth managers and/or their firms do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers.For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. ©2022 Morgan Stanley Smith Barney LLC. Member SIPC. NOTE: CLICK HERE TO FIND DATES FOR THE EVALUATION PERIODS FOR ALL FIVE-STAR AWARDS - LISTED BY MARKET.
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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
Evan Patterson
Private Banker | Market Manager
Carter Walters
Planning Associate
About Evan Patterson
Evan Patterson is a Private Banker | Market Manager serving Morgan Stanley Wealth Management offices in Rhode Island, Massachusetts and New York.
Private Banker | Market Managers partner with Financial Advisors/ Private Wealth Advisors (collectively “Advisors”) to deliver specialized cash management and lending solutions, while strategically leading sales activity and deepening client engagement across Wealth Management markets to drive growth aligned with long-term business objectives.
Evan began his career in financial services in 1999 and joined Morgan Stanley Private Bank in 2010. Prior to joining Morgan Stanley, he spent 11 years with Merrill Lynch Credit Corp, where he began as a Securities-Based Lending Officer in 1999. Through a series of promotions, Evan held positions in Florida, New York City, and Los Angeles. From 2013 to 2022, he led the Private Banking team in the Tampa Bay area before relocating to Morgan Stanley's Rhode Island office in 2022.
Evan is a graduate of the University of Florida, where he received a Bachelor of Science in Business Administration with concentration in Finance. He lives in East Greenwich, Rhode Island with his family. Outside of the office, Evan enjoys reading, going to the movies, listening to vinyl records, and being a dad.
Private Banker | Market Managers partner with Financial Advisors/ Private Wealth Advisors (collectively “Advisors”) to deliver specialized cash management and lending solutions, while strategically leading sales activity and deepening client engagement across Wealth Management markets to drive growth aligned with long-term business objectives.
Evan began his career in financial services in 1999 and joined Morgan Stanley Private Bank in 2010. Prior to joining Morgan Stanley, he spent 11 years with Merrill Lynch Credit Corp, where he began as a Securities-Based Lending Officer in 1999. Through a series of promotions, Evan held positions in Florida, New York City, and Los Angeles. From 2013 to 2022, he led the Private Banking team in the Tampa Bay area before relocating to Morgan Stanley's Rhode Island office in 2022.
Evan is a graduate of the University of Florida, where he received a Bachelor of Science in Business Administration with concentration in Finance. He lives in East Greenwich, Rhode Island with his family. Outside of the office, Evan enjoys reading, going to the movies, listening to vinyl records, and being a dad.
NMLS#: 800467
About Carter Walters
Carter Walters is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Carter provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned both his undergraduate and master’s degree from Fordham University and received the Financial Planning Specialist® designation from the College for Financial Planning. Carter is originally from Dallas, TX and currently resides in New York, NY.
He earned both his undergraduate and master’s degree from Fordham University and received the Financial Planning Specialist® designation from the College for Financial Planning. Carter is originally from Dallas, TX and currently resides in New York, NY.
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When 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.
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
When 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.
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1Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
3Morgan 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.
4When 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.
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, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10When 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.
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
12Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
3Morgan 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.
4When 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.
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, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10When 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.
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
12Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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
CRC 4665150 (8/2025), 4763067 (9/2025)
