Eileen Stoner, CRPC®, CDFA®
Executive Director, Wealth Management, Financial Advisor, Certified Divorce Financial Analyst, Chartered Retirement Planning Counselor
Phone:
(704) 896-9138(704) 896-9138
The Stoner Group at Morgan Stanley
Direct:
(704) 896-9138(704) 896-9138
Toll-Free:
(833) 582-1804(833) 582-1804
Our Mission Statement
Delivering fiduciary investment management and premium retirement services consistent with your faith, family and financial priorities.
What We Do
The Stoner Group is a first class wealth planning practice that integrates the core values of family, faith and finances into each client relationship, to help individuals and their families achieve their financial goals. We are deeply committed to helping you navigate the complexities of your financial journey, particularly during your pivotal life transitions. As your life evolves, we understand that your financial strategy becomes more complex, and the range of options available to you becomes increasingly sophisticated. To make informed decisions among these choices, it often requires the guidance of an experience team of Financial Advisors – a team that not only comprehends your unique challenges but also has access to top-tier resources that can be effectively harnessed to provide tailored strategies aligned with your specific needs, goals, and circumstances.
With a dedicated focus on Retirement and life transitions, our team focuses in assisting you through, and beyond, significant life changes, such as Retirement, Marital Asset Division in Divorce, or the loss of a spouse. Within our intergenerational team, we collectively boast 35 years of experience, equipping us with the knowledge and experience required to navigate the intricacies of financial planning in these areas. Members of our team have achieved professional designations (i.e., Chartered Retirement Planning Counselor℠, Certified Divorce Financial Analyst®, Portfolio Manager) enhancing our ability to address the myriad issues that often accompany these life events. For more details on how we can support you through these transitional phases, please explore the next tabs on our website.
We take immense pride in consistently delivering premium service to our valued clients and find great satisfaction in contributing genuine value to your life. We look forward to the opportunity to learn more about you and be a part of your unique financial journey.
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.
With a dedicated focus on Retirement and life transitions, our team focuses in assisting you through, and beyond, significant life changes, such as Retirement, Marital Asset Division in Divorce, or the loss of a spouse. Within our intergenerational team, we collectively boast 35 years of experience, equipping us with the knowledge and experience required to navigate the intricacies of financial planning in these areas. Members of our team have achieved professional designations (i.e., Chartered Retirement Planning Counselor℠, Certified Divorce Financial Analyst®, Portfolio Manager) enhancing our ability to address the myriad issues that often accompany these life events. For more details on how we can support you through these transitional phases, please explore the next tabs on our website.
We take immense pride in consistently delivering premium service to our valued clients and find great satisfaction in contributing genuine value to your life. We look forward to the opportunity to learn more about you and be a part of your unique financial journey.
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.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Retirement FAQs
1. How much money will I need to retire?
Your target should reflect your expected spending, retirement income, healthcare costs, taxes, inflation and how long your savings may need to last. Rather than relying on a universal rule, compare your projected expenses with Social Security, pensions and income your investments may reasonably provide. Need guidance? Connect with us now.
2. How will I know when I can afford to retire?
You may be financially ready when your reliable income and savings can support your lifestyle under a range of market, inflation and longevity scenarios. Before choosing a date, test how retiring earlier or later would affect your savings, Social Security, employer benefits and healthcare coverage. How to test this? Let us build you a customized retirement plan.
3. When should I begin taking Social Security?
You can generally begin retirement benefits at age 62, but starting before your full retirement age permanently reduces your monthly benefit, while delaying can increase it until age 70.2 The right choice depends on your health, life expectancy, other income, marital situation and need for immediate cash flow. Ask us for a Social Security analysis.
4. How will I pay for healthcare in retirement?
Medicare eligibility generally begins around age 65, with an initial enrollment period that starts three months before the month you turn 65 and ends three months afterward. Your plan should also budget for premiums, deductibles, prescription drugs and services that Medicare may not cover. We have health insurance licenses, and can explain options.
5. How much can I safely withdraw each year?
There is no single withdrawal percentage that works for everyone because the appropriate amount depends on your spending, investment mix, taxes, age and market conditions. A flexible strategy that is reviewed regularly can help you reduce withdrawals after difficult markets and adjust as your needs change. Connect to learn more about our dynamic retirement income strategies.
6. Will my retirement income be taxed?
Withdrawals from traditional retirement accounts and many pension payments are generally taxable, while qualified Roth distributions and certain after-tax amounts may be tax-free. A tax-aware withdrawal plan can help coordinate income from taxable, tax-deferred and Roth accounts. We can help.
7. Should I save in a traditional or Roth retirement account?
Traditional contributions may provide a tax benefit today, but taxable withdrawals are generally included in income later, while Roth contributions are made with after-tax dollars and qualified withdrawals are tax-free. Reach out for a custom combination strategy to create more flexibility when managing taxes in retirement.
8. What are required minimum distributions?
Required minimum distributions are annual withdrawals that generally begin at age 73 for traditional IRAs and many employer-sponsored retirement accounts. Roth IRAs and designated Roth workplace accounts generally do not require distributions while the original owner is alive, although beneficiaries have separate rules. We have over 35 years as retirement specialists.
9. Should I plan for long-term care expenses?
Yes, because Medicare and most health insurance generally do not cover non-medical long-term care, such as ongoing assistance with bathing, dressing or other daily activities. Consider where you would want to receive care and whether savings, insurance, family support or other resources would fund it. Call us for a conversation.
10. How can I protect my spouse and family if something happens to me?
Review your retirement-account beneficiaries after major life events because retirement benefits are generally paid to the beneficiary named under the plan's procedures. Coordinate those designations with your will, powers of attorney, healthcare directives, insurance and broader estate plan. Each family situation is unique so connect now to begin the conversation.
Wealth Management FAQ
1. What does wealth management actually include?
Wealth management is about bringing your investments, taxes, estate plan, insurance needs, charitable goals and major financial decisions into one coordinated strategy. The real value is not having a collection of disconnected accounts and documents, but having each part of your financial life working toward the same priorities.
2. How do I know whether my investment strategy is right for me?
A good investment strategy should reflect what your money needs to accomplish, when you may need it and how much uncertainty you can comfortably accept along the way. If your portfolio cannot be clearly connected to your goals, it may be an assortment of investments rather than a true strategy.
3. How much investment risk should I be taking?
The right amount of risk is not simply the amount you are emotionally willing to tolerate when markets are calm; it is the amount your financial plan can reasonably absorb when markets are not. We look at your goals, timeline, liquidity needs and financial flexibility to determine which risks may be worth taking and which ones may be unnecessary.
4. What should I do when the market becomes volatile?
Market volatility is usually a reason to review your plan, not abandon it. Before making a change, it helps to ask whether something meaningful has changed in your life or whether the headlines have simply made the plan feel temporarily uncomfortable.
5. Am I too heavily invested in one company, industry or type of asset?
Concentrated investments can build significant wealth, but they can also allow one company or sector to have too much influence over your financial future. Diversifying does not require giving up everything that has worked; it means deciding how much dependence on any one investment is appropriate going forward.
6. How can I make my investment portfolio more tax-conscious?
A tax-conscious strategy considers not only what you own, but also which accounts hold each investment, when gains or losses are recognized and how investment decisions interact with your broader tax picture. The goal is not to avoid every tax, since doing so can lead to poor investment decisions, but to make sure taxes are considered before rather than after action is taken.
7. How much of my wealth should remain in cash?
Cash should provide flexibility for upcoming expenses, unexpected events and opportunities without forcing you to sell investments at an inconvenient time. Holding too little can create stress, while holding too much for too long may quietly reduce your purchasing power and limit the growth potential of your overall strategy.
8. How does my estate plan fit into wealth management?
An estate plan explains where assets should go, while wealth management helps make sure your accounts, ownership arrangements and beneficiary designations are aligned with those wishes. Even a well-written legal document can produce unintended results when account registrations or beneficiary instructions tell a different story.
9. How can I be more intentional about charitable giving?
Thoughtful charitable planning begins with what you want your giving to accomplish and then considers which assets and giving methods may best support that purpose. The most meaningful strategy is rarely just about writing a check; it can also involve timing, family participation and creating a lasting connection between your wealth and your values.
10. How do I know whether I am receiving meaningful value from my financial advisor?
The relationship should give you more than investment performance reports; it should provide clarity, coordination and confidence when important financial decisions arise. You should understand what services you receive, what you pay, how recommendations support your goals and whether your advisor is helping you see issues and opportunities you might otherwise miss.
Live & Virtual workshops
We believe ongoing financial education leads to a better understanding of how to manage your assets and preserve your wealth. To that end, throughout the year we host a number of programs that focus on all aspects of your financial life, including a monthly webinar dedicated to female investors.
In addition to in-person programs, we offer webinars and conference calls for our clients and their guests. We create these opportunities so we - and our featured speakers - can share insights and new perspectives on topics that may impact your financial plan and investment portfolio.
In addition to in-person programs, we offer webinars and conference calls for our clients and their guests. We create these opportunities so we - and our featured speakers - can share insights and new perspectives on topics that may impact your financial plan and investment portfolio.
The Psychology of Money
Join our zoom conversation that explores the powerful emotional relationship many people have with money—often tied to feelings of safety, security, and self-worth—and how that connection can shape day-to-day financial decisions.
When: Wednesday, May 20, 2026 1:00 PM Eastern Time (US and Canada)
Register HereWhen: Wednesday, May 20, 2026 1:00 PM Eastern Time (US and Canada)
Women & Wealth
Our team understand that women today face many challenges securing their financial future. At The Stoner Group, we're proud to have two highly experienced female financial advisors who have worked closely to support a diverse range of women – from those with a detailed understanding of their finances, to those with little knowledge or experience. Whether you're a single woman or mother, a divorcee or widow, or a happily married woman in charge of the family's finances, we are here to assist you in all things financial.
Navigating Divorce
- It is important to evaluate the impact divorce can have on both your personal and financial matters. The better you understand your options, the more likely you are to make sound financial decisions. This article will help you learn how to build a solid financial strategy that may help provide you with greater confidence and flexibility in the future.
Certified Divorce Financial Analyst® professional
- Separating financial assets during a divorce is one of the most important and complicated parts of the process.
- We created this video to help you know how our team is uniquely equipped to walk alongside you in facing these hard decisions.
- Please don't feel like you have to go through this alone.
- Reach out
AWARD-WINNING WEALTH MANAGEMENT. FOCUSED ON YOU.
With the guidance of a Morgan Stanley Financial Advisor and the strength of a five-time award-winning wealth management platform<sup> <a href="#wm-disclosure-1" class="Link--underline"> <span class="sr-only">Footnote</span> 1 </a> </sup>, you can build, preserve, and manage your wealth with precision and purpose. For every stage of your financial journey.
Tax-Smart Solutions
Leading tax optimization capabilities\<sup\> \<a href="#wm\-disclosure\-2" class="Link\-\-underline"\> \<span class="sr\-only"\>Footnote\</span\> 2 \</a\> \</sup\> designed to deliver year\-round tax management with an eye toward reducing taxes and boosting after\-tax returns.
Seamless Cash Management Integration
A comprehensive, coordinated strategy with access to competitive yields, flexible financing options, and exclusive cash management resources.
Premier Risk Management and Cyber Defense
Industry\-acclaimed risk management tools\<sup\> \<a href="#wm\-disclosure\-3" class="Link\-\-underline"\> \<span class="sr\-only"\>Footnote\</span\> 3 \</a\> \</sup\> to help drive smarter portfolio decisions. In\-house team of cybersecurity experts dedicated to help protect you from cyber threats.
Personalized Legacy Planning
Guidance from experienced professionals across estate, trust, philanthropy, and financial planning to help preserve and grow your legacy.
An Industry-Leading Platform
Expert insights from 500+ equity analysts to help unlock your portfolio's potential and investment guidance.
Liquidity When You Need It
Industry\-leading securities\-based lending solutions to help access liquidity without selling assets or disrupting your investment strategy.\<sup\> \<a href="#wm\-disclosure\-4" class="Link\-\-underline"\> \<span class="sr\-only"\>Footnote\</span\> 4 \</a\> \</sup\>
Robust Concentrated Stock Solutions
Powerful tools and strategies to help manage concentrated stock positions and look to optimize portfolio outcomes.
Alternatives & Private Markets Access
A comprehensive alternative investments platform offering tailored solutions, early access to select offerings, and competitive pricing structures. Exclusive private market and pre\-IPO opportunities that were previously reserved for institutions.
Location
17505 W Catawba Ave
Ste 300
Cornelius, NC 28031
US
Direct:
(704) 896-9138(704) 896-9138
Toll-Free:
(833) 582-1804(833) 582-1804
Meet The Stoner Group
Charles M. Stoner
Financial Advisor, Vice President
Phone:
(704) 896-9118(704) 896-9118
Amy Lowe, CDFA®
Financial Advisor
Phone:
(704) 896-9119(704) 896-9119
Charles C. Stoner
Wealth Management Associate
Phone:
(704) 896-9138(704) 896-9138
Teresa Chapman
Senior Registered Client Service Associate
Phone:
(704) 896-9127(704) 896-9127
Ashley Hoy
Team Administrative Assistant
Phone:
(704) 896-9102(704) 896-9102
About Eileen Stoner
Eileen has been serving client families for 26 years and has been recognized by Forbes as a Top Woman Wealth Advisor and Best-In-State Advisor for North Carolina.
As a Chartered Retirement Planning Counselor (CRPC®), Eileen focuses on helping clients build secure retirement strategies. Her experience and knowledge enable her to offer customized wealth management advice and personalized retirement income plans for success.
Eileen is also a Certified Divorce Financial Analyst® professional.
A CDFA® professional has specialized skills and experience that enables them to analyze the long-term financial impacts of divorce. For many, divorce is the largest financial transaction of their lives. Eileen can help you navigate through the financial decisions of separation and divorce and guide you as you transition to a new chapter of life.
Eileen can invest the time and expertise you may not have to create strategies to overcome retirement concerns such as “Am I saving enough?” or “How do I turn my investments into income?” or “What is the best approach for healthcare coverage and Social Security?”
Eileen employs a commonsense budget-based approach, which enables her to guide clients in planning for the lifestyle they seek in the future.
As a tightly knit, full-service team of financial professionals, The Stoner Group maintains a high-touch approach to be responsive to your needs. The Stoner Group serves the Lake Norman area including Mooresville, Huntersville, Cornelius, Davidson, Concord, Statesville and Lincolnton as well as the Charlotte area and beyond.
Eileen holds the Series 7, 30, 63 and 65 securities licenses and is accredited to offer insurance and long-term care solutions as well. She received a B.A. in business administration from Rider University in Lawrenceville, NJ. During the workday, Eileen focuses on her clients’ needs. In the evenings and on the weekends, she can be found volunteering or walking in her Lake Norman neighborhood. Eileen is also an active supporter of her church in Mooresville, as well as Food for The Poor and the national non-profit WIFE Women's Institute for Financial Education. She volunteers as a guest presenter on financial matters at the Second Saturday divorce workshop for women in Lake Norman.
As a Chartered Retirement Planning Counselor (CRPC®), Eileen focuses on helping clients build secure retirement strategies. Her experience and knowledge enable her to offer customized wealth management advice and personalized retirement income plans for success.
Eileen is also a Certified Divorce Financial Analyst® professional.
A CDFA® professional has specialized skills and experience that enables them to analyze the long-term financial impacts of divorce. For many, divorce is the largest financial transaction of their lives. Eileen can help you navigate through the financial decisions of separation and divorce and guide you as you transition to a new chapter of life.
Eileen can invest the time and expertise you may not have to create strategies to overcome retirement concerns such as “Am I saving enough?” or “How do I turn my investments into income?” or “What is the best approach for healthcare coverage and Social Security?”
Eileen employs a commonsense budget-based approach, which enables her to guide clients in planning for the lifestyle they seek in the future.
As a tightly knit, full-service team of financial professionals, The Stoner Group maintains a high-touch approach to be responsive to your needs. The Stoner Group serves the Lake Norman area including Mooresville, Huntersville, Cornelius, Davidson, Concord, Statesville and Lincolnton as well as the Charlotte area and beyond.
Eileen holds the Series 7, 30, 63 and 65 securities licenses and is accredited to offer insurance and long-term care solutions as well. She received a B.A. in business administration from Rider University in Lawrenceville, NJ. During the workday, Eileen focuses on her clients’ needs. In the evenings and on the weekends, she can be found volunteering or walking in her Lake Norman neighborhood. Eileen is also an active supporter of her church in Mooresville, as well as Food for The Poor and the national non-profit WIFE Women's Institute for Financial Education. She volunteers as a guest presenter on financial matters at the Second Saturday divorce workshop for women in Lake Norman.
Securities Agent: OH, PA, AL, WA, CA, WI, VA, NJ, NC, CO, TX, TN, SC, IL, OR, MN, MA, AR, NY, IA, KY, FL, WY, WV, SD, MS, GA, MO; General Securities Representative; Investment Advisor Representative; Managed Futures
About Charles M. Stoner
As your Financial Advisor, I can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together, I can help you to preserve and grow your wealth, as well as prepare for your retirement future. You will have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices. Proudly serving Cornelius, Huntersville, Davidson, Mooresville and the entire Lake Norman area.
Securities Agent: CO, AL, WY, WV, TN, SD, OH, IA, AR, WA, MA, NC, KY, IL, VA, SC, PA, WI, TX, MN, NJ, MS, GA, OR, NY, MO, FL, CA; General Securities Representative; Investment Advisor Representative; Managed Futures
About Amy Lowe
Amy is a dedicated financial advisor who helps navigate life’s financial complexities with clarity and confidence. She collaborates with clients to understand their unique situation and create personalized strategies that can help support their goals-whether preparing for retirement, navigating life challenges, or simply seeking clarity and direction.
She takes a personalized, problem-solving approach to every relationship. She believes financial planning is about more than numbers – it’s about listening, educating and supporting clients. Helping to guide clients through career changes, retirement, and divorce transitions, she provides practical education and compassionate support during what can be some of life’s most overwhelming moments.
As a mom of two dual-sport athletes, a wife to a gregarious husband, and daughter to aging parents, Amy understands firsthand the demands of busy family life and brings both professional experience and real-life perspective to her work. She is passionate about simplifying financial decisions, seeking to help clients preserve what matters most, all the while helping them to achieve their goals.
She takes a personalized, problem-solving approach to every relationship. She believes financial planning is about more than numbers – it’s about listening, educating and supporting clients. Helping to guide clients through career changes, retirement, and divorce transitions, she provides practical education and compassionate support during what can be some of life’s most overwhelming moments.
As a mom of two dual-sport athletes, a wife to a gregarious husband, and daughter to aging parents, Amy understands firsthand the demands of busy family life and brings both professional experience and real-life perspective to her work. She is passionate about simplifying financial decisions, seeking to help clients preserve what matters most, all the while helping them to achieve their goals.
Securities Agent: SD, TN, IA, OR, MA, IL, FL, AL, TX, NC, MS, NJ, MO, CA, PA, CO, OH, VA, MN, GA, AR, WV, WI, NY, KY, WA, SC, WY; General Securities Representative; Investment Advisor Representative
About Charles C. Stoner
In today’s fast-paced world, Chuck knows how difficult it can be to find the time and resources necessary for personal investment planning.
As a husband, father and grandfather he understands what it means to be a family steward, and how important it is for you to take the steps necessary in order to prepare for your family’s financial future.
Following a disciplined wealth management process, Chuck listens carefully to understand your needs before he develops and implements your investment plan. He advises you on changing market conditions and conducts timely reviews to evaluate your portfolio and how it is currently positioned.
Chuck believes that taking a team approach to helping our clients creates the best results and has assembled a team of dedicated professionals to help you make sense out of the complexities of
retirement planning to achieve your financial goals.
Chuck began his career as an investment advisor in 1990 and joined Morgan Stanley in 2021. Over the last 31 years, he has helped individuals and couples to clarify their retirement goals and has designed plans to help them achieve success.
Outside the office, Chuck enjoys spending time with his school age grandsons and fly fishing. The Stoners are 2014 recipients of the investment bank Global Employee Volunteer Award for their work with Food For The Poor.
As a husband, father and grandfather he understands what it means to be a family steward, and how important it is for you to take the steps necessary in order to prepare for your family’s financial future.
Following a disciplined wealth management process, Chuck listens carefully to understand your needs before he develops and implements your investment plan. He advises you on changing market conditions and conducts timely reviews to evaluate your portfolio and how it is currently positioned.
Chuck believes that taking a team approach to helping our clients creates the best results and has assembled a team of dedicated professionals to help you make sense out of the complexities of
retirement planning to achieve your financial goals.
Chuck began his career as an investment advisor in 1990 and joined Morgan Stanley in 2021. Over the last 31 years, he has helped individuals and couples to clarify their retirement goals and has designed plans to help them achieve success.
Outside the office, Chuck enjoys spending time with his school age grandsons and fly fishing. The Stoners are 2014 recipients of the investment bank Global Employee Volunteer Award for their work with Food For The Poor.
About Teresa Chapman
Teresa’s extensive experience in management, operations and client service will serve our clients well. She holds the Series 7, 9, 10, 31, 63 and 66 securities licenses. Teresa joined The Stoner Group in 2016 and delivers a high level of proficiency to every aspect of her job. She especially enjoys building relationships with the wonderful client families she serves at The Stoner Group. Teresa lives in Midland, NC. She enjoys gardening, walking her dog, Gracie, as well as curling up with her cat, Abby. Teresa has a grown daughter, two grandsons and a daughter — the lights of her life!
About Ashley Hoy
Ashley Hoy brings a wealth of knowledge to The Stoner Group at Morgan Stanley, with a strong background in client communications and office administration. Known for her meticulous attention to detail and commitment to customer service, Ashley is passionate about fostering positive client experiences. As one of the first points of contact when you call or visit our offices, Ashley takes pride in striving that every client feels welcomed and valued.
A native of Charlotte, Ashley has witnessed the dynamic growth of the Queen City over the past five decades, particularly the Lake Norman area where she resides. Her extensive marketing experience will assist in her role at The Stoner Group as she provides comprehensive scheduling, administrative support, and event planning services. Her responsibilities in organizing educational seminars and coordinate speaking engagements to enhance client engagement and knowledge.
Outside the office, Ashley enjoys quality time with her college-aged twins, indulging in reading, solving jigsaw puzzles, playing Wordle, and traveling extensively. She is enthusiastic about contributing to the continued success of The Stoner Group at Morgan Stanley and is eager to build strong, lasting relationships with both clients and colleagues. Ashley’s warm and personable nature ensures that everyone feels at home.
A native of Charlotte, Ashley has witnessed the dynamic growth of the Queen City over the past five decades, particularly the Lake Norman area where she resides. Her extensive marketing experience will assist in her role at The Stoner Group as she provides comprehensive scheduling, administrative support, and event planning services. Her responsibilities in organizing educational seminars and coordinate speaking engagements to enhance client engagement and knowledge.
Outside the office, Ashley enjoys quality time with her college-aged twins, indulging in reading, solving jigsaw puzzles, playing Wordle, and traveling extensively. She is enthusiastic about contributing to the continued success of The Stoner Group at Morgan Stanley and is eager to build strong, lasting relationships with both clients and colleagues. Ashley’s warm and personable nature ensures that everyone feels at home.
Contact Eileen Stoner
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Hear From Our Clients
Eileen has been a valued source of support throughout my painful divorce journey and beyond. She was a wealth of information when I was dealing with difficult lawyers and complex financial paperwork. She remains a constant source of encouragement and support; is available when I need her and is always quick to respond. Eileen is extremely knowledgeable in her field and is passionate about her work. I know I am in good hands and feel confident planning my financial future with her guidance.
Lori
Verified ClientJanuary 29, 2026
We have been clients of The Stoner Group for many years. During all of our meetings/conversations, they have been extremely helpful in developing our financial plan to meet our specific & changing needs. We recently purchased a new home and Amy was very patient with us during our many phone calls, emails and in person meetings. We like The Stoner Group not just because they are very competent professionals, but the entire staff is very friendly and welcoming.
Donna & Deborah
Verified ClientMarch 23, 2026
I write this very heartfelt testimonial about The Stoner Group because they are simply wonderful at their jobs. I spent my entire career in the financial industry in NY and after moving to North Carolina I entrusted all of my finances with the team. They have the ability to be nimble when needed but steady when all is well. They have my full trust and friendship as a result of combining talent with kindness. Suffice it to say, they can do it all, and with a smile.
Steve & Lorraine
Verified ClientDecember 23, 2025
Beverly and I started working with Chuck and Eileen and the Stoner Group long before I retired from Duke Power. They were instrumental in how I chose my investments to maximize my earnings through the remainder of my career. When I decided to retire from Duke, I met with Chuck, Eileen and the Stoner Group to ensure that I was moving in the right direction. They have met and exceeded my expectations throughout my retirement. We are very pleased with our relationship with the Stoner Group.
Ernie & Beverly
Verified ClientDecember 23, 2025
Meeting and consulting with Eileen has been a blessing in my life, at a very difficult time. She has helped me see into a brighter future, during the process of going through a lengthy divorce. The commitment of her time, knowledge, and patience has been a gift. I have thoroughly enjoyed meeting with her to create a stronger financial future, for myself and my children. She has been guiding me every step of the way, keeping me positive and forward thinking!
KCC
Verified ClientJanuary 29, 2026
Our friends at The Stoner Group have been trusted financial advisors since we retired, and we couldn’t ask for more capable, compassionate, principled counselors. We feel Eileen, Chuck and the entire Stoner team are truly invested in our retirement; we have confidence in achieving our goals in retirement, thanks to their financial stewardship. They understand our values and styles and help us navigate the many challenges retirees face. We’re pleased and grateful to rely on the Stoner Group.
Rhoda & Don
Verified ClientFebruary 5, 2026
Working with Eileen during my separation was a huge relief because she explained everything in plain English and never made me feel rushed or judged. She helped me understand what I could afford, what to ask for, and how different choices would affect my future. I felt more confident in meetings and finally felt like I had a clear plan. If you’re a woman facing divorce and feeling overwhelmed, I truly recommend reaching out to her.
KD
Verified ClientJune 29, 2026
Divorce feels chaotic. As a stay-at-home wife and mother of grown children, I did not know where to begin when I found out about the divorce. Eileen and The Stoner Group provided the help and guidance I needed to understand the financial steps of divorce and to emerge successfully through it. I highly recommend Eileen for any woman going through divorce. Don’t go it alone.
Linda
Verified ClientJune 29, 2026
As a woman going through a high conflict divorce, I needed a steady, experienced partner who understood both the emotions and the numbers. Eileen and her team helped me navigate marital asset division with clarity and calm. They gave me confidence & wise guidance for the new life I am building.
J.L.
Verified ClientJuly 20, 2027
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
5285589 3/2026
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 Stoner Group today.
1When 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.
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 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.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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, 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
Please read the important disclosures below.
1) Morgan Stanley Wealth Management secured Money Management Institute/Barron’s Industry Awards for Wealth Manager Platform of the Year. The Wealth Manager Platform of the Year category recognizes a wealth manager platform that exemplifies innovation in delivering better outcomes for investors and Financial Advisors. This award has been secured in 2024, 2021, 2020, 2019 & 2018. The winners were selected by a specially appointed MMI Industry Awards Steering Council. The Steering Council consists of representatives from all segments of the MMI membership. After carefully reviewing the nominations submitted, the Steering Council determined a slate of finalists in each award category. The primary contacts at each of MMI’s 207 member firms were eligible to vote to determine the winners. Nominations were reviewed and evaluated to determine finalists June 2024 - July 2024. Finalists were voted on to determine a winner August 2024. MMI/Barron’s does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to MMI/Barron’s in exchange for its receipt of the award. Morgan Stanley is a member of MMI and pays a fee to MMI as part of its membership dues. Morgan Stanley’s receipt of this award is not indicative of any future performance. These awards were granted to Morgan Stanley based on the time period from October 2023 to June 2024. There were 6 firms considered for the Wealth Management Platform of the Year Award and 12 firms considered for the Distribution Excellence Award. The Money Management Institute (MMI) is the industry association representing financial services firms and Barron’s is a financial magazine; both groups are responsible for the award. Accolade qualifications for past years may vary; additional information available upon request.
2) Industry’s top tax-optimization technology refers to tax management capabilities developed by Eaton Vance and Parametric, affiliates of Morgan Stanley. Morgan Stanley is a leading provider of direct indexing strategies. According to Cerulli Associates’ Q1 2026 Managed Account Edition, Morgan Stanley ranked first among 15 firms in Direct Index SMA assets under management based on reported industry assets. The ranking reflects scale of assets and does not evaluate tax outcomes, performance, or quality of technology. Tax outcomes will vary and are not guaranteed.
3) The Celent Model Wealth Manager 2025 Awards for Data and Analytics and Essential and Emerging Technologies were granted to Morgan Stanley following an evaluation process conducted by Celent analysts. To be considered for this award, Morgan Stanley submitted Model Wealth Manager 2025 Nomination Award Worksheets to Celent on or about January 30, 2025. Celent judged each submission on three criteria: (1) Measurable business benefits of live initiatives; (2) degree of innovation relative to the industry; and (3) technology or implementation excellence. In order to win, the initiatives must demonstrate clear business benefits, innovation, and technology or implementation excellence. Celent does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to Celent in exchange for the award. Morgan Stanley is not affiliated with Celent. Based on their submission on January 30, 2025 for Celent’s 2025 Model Awards program, Celent granted Morgan Stanley their awards in June, 2025 and publicly shared the news in June, 2025. Celent is a global financial services research and advisory firm and is responsible for determining the recipient of this award.
4) Q4 2025 Securities Based Lending McLagan Survey – 6 Firm Report. Based on both Non-Purpose Lending and total SBL balances. Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss.
Not all products, tools, platforms, and services referenced are available to all clients. Please speak with your Financial Advisor for eligibility criteria.
Investing in securities involves risk, including possible loss of principal. Diversification does not guarantee a profit or protect against loss in a declining financial market.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.
Cash management and lending products and services are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures below.
Important Risk Information for Securities Based Lending: Clients must be aware that: (1) Sufficient collateral must be maintained to support the loan and to take future advances; (2) Clients may have to deposit additional cash or eligible securities on short notice; (3) Some or all of the pledged securities may be sold without prior notice in order to maintain account equity at required collateral maintenance levels. Clients will not be entitled to choose the securities that will be sold. These actions may interrupt long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as "Morgan Stanley") reserve the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase the collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason.
With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan.
Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
There is no guarantee that tax-loss harvesting will achieve any particular tax result. Clients may elect Tax Management Services for the account by notifying their Financial Advisor, and indicate what Maximum Tax or Realized Capital Gain Instruction is desired for the account, if any. The Tax Management Services Terms and Conditions attached to the Morgan Stanley Smith Barney LLC Select UMA ADV brochure as Exhibit A will govern Tax Management Services in the account. Review the Morgan Stanley Smith Barney LLC Select UMA ADV brochure carefully with your tax advisor.
Industry acclaimed risk platform refers to Morgan Stanley Smith Barney LLC’s (“Morgan Stanley”) Portfolio Risk Platform. The assumptions used in the Report incorporate portfolio risk and scenario analysis employed by BlackRock Solutions (“BRS”), a financial technology and risk analytics provider that is independent of Morgan Stanley. BRS’ role is limited to providing risk analytics to Morgan Stanley, and BRS is not acting as a broker-dealer or investment adviser nor does it provide investment advice with respect to the Report. Morgan Stanley has validated and adopted the analytical conclusions of these risk models. The analysis provided is illustrative only. Morgan Stanley cannot predict a portfolio’s risk of loss due to, among other things, changing market conditions or other unanticipated circumstances. The analysis is based purely on assumptions made using available data and any of its forecasts are subject to change.
The footnotes below apply to the industry-leading claims referenced above. More information is available upon request.
Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
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
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 visit us at www.morganstanley.com/wealth or consult with your Morgan Stanley Financial Advisor to read about those differences.
The sole purpose of this material is to inform, and it in no way is intended to be an offer or solicitation to purchase or sell any security, other investment service, or to attract any funds or deposits. Investments mentioned may not be appropriate for all clients. Before making any investment, each investor should carefully consider the risks associated with the investment, as discussed in the applicable offering memorandum and make a determination based on their own particular circumstances that the investment is consistent with their investment objectives and risk tolerance.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
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 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.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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, 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.
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
Awards Disclosures | Morgan Stanley
Please read the important disclosures below.
1) Morgan Stanley Wealth Management secured Money Management Institute/Barron’s Industry Awards for Wealth Manager Platform of the Year. The Wealth Manager Platform of the Year category recognizes a wealth manager platform that exemplifies innovation in delivering better outcomes for investors and Financial Advisors. This award has been secured in 2024, 2021, 2020, 2019 & 2018. The winners were selected by a specially appointed MMI Industry Awards Steering Council. The Steering Council consists of representatives from all segments of the MMI membership. After carefully reviewing the nominations submitted, the Steering Council determined a slate of finalists in each award category. The primary contacts at each of MMI’s 207 member firms were eligible to vote to determine the winners. Nominations were reviewed and evaluated to determine finalists June 2024 - July 2024. Finalists were voted on to determine a winner August 2024. MMI/Barron’s does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to MMI/Barron’s in exchange for its receipt of the award. Morgan Stanley is a member of MMI and pays a fee to MMI as part of its membership dues. Morgan Stanley’s receipt of this award is not indicative of any future performance. These awards were granted to Morgan Stanley based on the time period from October 2023 to June 2024. There were 6 firms considered for the Wealth Management Platform of the Year Award and 12 firms considered for the Distribution Excellence Award. The Money Management Institute (MMI) is the industry association representing financial services firms and Barron’s is a financial magazine; both groups are responsible for the award. Accolade qualifications for past years may vary; additional information available upon request.
2) Industry’s top tax-optimization technology refers to tax management capabilities developed by Eaton Vance and Parametric, affiliates of Morgan Stanley. Morgan Stanley is a leading provider of direct indexing strategies. According to Cerulli Associates’ Q1 2026 Managed Account Edition, Morgan Stanley ranked first among 15 firms in Direct Index SMA assets under management based on reported industry assets. The ranking reflects scale of assets and does not evaluate tax outcomes, performance, or quality of technology. Tax outcomes will vary and are not guaranteed.
3) The Celent Model Wealth Manager 2025 Awards for Data and Analytics and Essential and Emerging Technologies were granted to Morgan Stanley following an evaluation process conducted by Celent analysts. To be considered for this award, Morgan Stanley submitted Model Wealth Manager 2025 Nomination Award Worksheets to Celent on or about January 30, 2025. Celent judged each submission on three criteria: (1) Measurable business benefits of live initiatives; (2) degree of innovation relative to the industry; and (3) technology or implementation excellence. In order to win, the initiatives must demonstrate clear business benefits, innovation, and technology or implementation excellence. Celent does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to Celent in exchange for the award. Morgan Stanley is not affiliated with Celent. Based on their submission on January 30, 2025 for Celent’s 2025 Model Awards program, Celent granted Morgan Stanley their awards in June, 2025 and publicly shared the news in June, 2025. Celent is a global financial services research and advisory firm and is responsible for determining the recipient of this award.
4) Q4 2025 Securities Based Lending McLagan Survey – 6 Firm Report. Based on both Non-Purpose Lending and total SBL balances. Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss.
Not all products, tools, platforms, and services referenced are available to all clients. Please speak with your Financial Advisor for eligibility criteria.
Investing in securities involves risk, including possible loss of principal. Diversification does not guarantee a profit or protect against loss in a declining financial market.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.
Cash management and lending products and services are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures below.
Important Risk Information for Securities Based Lending: Clients must be aware that: (1) Sufficient collateral must be maintained to support the loan and to take future advances; (2) Clients may have to deposit additional cash or eligible securities on short notice; (3) Some or all of the pledged securities may be sold without prior notice in order to maintain account equity at required collateral maintenance levels. Clients will not be entitled to choose the securities that will be sold. These actions may interrupt long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as "Morgan Stanley") reserve the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase the collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason.
With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan.
Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
There is no guarantee that tax-loss harvesting will achieve any particular tax result. Clients may elect Tax Management Services for the account by notifying their Financial Advisor, and indicate what Maximum Tax or Realized Capital Gain Instruction is desired for the account, if any. The Tax Management Services Terms and Conditions attached to the Morgan Stanley Smith Barney LLC Select UMA ADV brochure as Exhibit A will govern Tax Management Services in the account. Review the Morgan Stanley Smith Barney LLC Select UMA ADV brochure carefully with your tax advisor.
Industry acclaimed risk platform refers to Morgan Stanley Smith Barney LLC’s (“Morgan Stanley”) Portfolio Risk Platform. The assumptions used in the Report incorporate portfolio risk and scenario analysis employed by BlackRock Solutions (“BRS”), a financial technology and risk analytics provider that is independent of Morgan Stanley. BRS’ role is limited to providing risk analytics to Morgan Stanley, and BRS is not acting as a broker-dealer or investment adviser nor does it provide investment advice with respect to the Report. Morgan Stanley has validated and adopted the analytical conclusions of these risk models. The analysis provided is illustrative only. Morgan Stanley cannot predict a portfolio’s risk of loss due to, among other things, changing market conditions or other unanticipated circumstances. The analysis is based purely on assumptions made using available data and any of its forecasts are subject to change.
The footnotes below apply to the industry-leading claims referenced above. More information is available upon request.
Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
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
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 visit us at www.morganstanley.com/wealth or consult with your Morgan Stanley Financial Advisor to read about those differences.
The sole purpose of this material is to inform, and it in no way is intended to be an offer or solicitation to purchase or sell any security, other investment service, or to attract any funds or deposits. Investments mentioned may not be appropriate for all clients. Before making any investment, each investor should carefully consider the risks associated with the investment, as discussed in the applicable offering memorandum and make a determination based on their own particular circumstances that the investment is consistent with their investment objectives and risk tolerance.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 4665150 (8/2025), 5378280 (5/2026)
