Robert V. Kyle III
Executive Director, Wealth Management, Financial Advisor, Alternative Investments Director
Phone:
(610) 260-7684(610) 260-7684
The ThirtyFive/24 Wealth Management Group at Morgan Stanley
Our Mission Statement
Excellence in family wealth planning for your family's unique goals
Our Story and Services
The ThirtyFive/24 Group at Morgan Stanley specializes in working with attorneys, real estate professionals, business owners, and high net worth/ultra-high net worth families. We help our clients navigate every aspect of their financial lives by creating a comprehensive financial plan and a customized investment strategy for each client. After implementation, we continuously monitor your plan and investment strategy and adjust as needed.
In working with affluent families, we address complex, multigenerational wealth management issues. As your family grows and your wealth increases, you may face more subtle and profound wealth management situations. As the demands of your family grow and evolve, you will likely need professionals who have expanded capabilities.
We work in close coordination with trust companies, CPAs, and estate attorneys to formulate our client's team of advisors. In creating a “family office” atmosphere for our clients, we simplify the often complex financial lives of our clients. Our team is structured to meet the diverse needs of ultra-high net worth families, including aircraft, marine and art lending, estate planning strategies, and philanthropic missions.
Our goal is to be your first call on any financial matter. We are here to help you enjoy your life with the confidence that your financial wellbeing is secure.
In working with affluent families, we address complex, multigenerational wealth management issues. As your family grows and your wealth increases, you may face more subtle and profound wealth management situations. As the demands of your family grow and evolve, you will likely need professionals who have expanded capabilities.
We work in close coordination with trust companies, CPAs, and estate attorneys to formulate our client's team of advisors. In creating a “family office” atmosphere for our clients, we simplify the often complex financial lives of our clients. Our team is structured to meet the diverse needs of ultra-high net worth families, including aircraft, marine and art lending, estate planning strategies, and philanthropic missions.
Our goal is to be your first call on any financial matter. We are here to help you enjoy your life with the confidence that your financial wellbeing is secure.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Trust ServicesFootnote3
- Business Succession PlanningFootnote4
- Estate Planning StrategiesFootnote5
- Asset Management
- Alternative InvestmentsFootnote6
- Cash Management and Lending ProductsFootnote7
- Life InsuranceFootnote8
- Retirement PlanningFootnote9
- 401(k) Rollovers
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
1. Discovery
We will begin our relationship by listening — discussing the full range of topics related to your financial needs and investment objectives: lifestyle, estate/life insurance planning, philanthropic and legacy goals and expectations, possible major purchases, and legacy and charitable goals. We will discuss your financial resources, time horizon for various goals, tolerance for risk and your liability structure.
2. Formation of Wealth Strategy
After setting your objectives, We will create a customized written financial and investment plan. This will address income and retirement planning, asset protection, investment management, strategic borrowing, wealth transfer and business succession. The plan will include an asset allocation strategy designed to help achieve your financial goals in light of your risk tolerance and investment time horizon.
3. Creation of Customized Strategic & Tactical Asset Allocation
After developing your wealth management strategy, I will implement a tactical asset allocation for your investments which includes our Tax Management Services. We will also work together to ensure that you estate plan is in line with your objectives. This will include consulting with you on your gifting program, philanthropic goals, and life insurance. I will also work with our Private Banker to assess and advise on your borrowing needs.
4. Constant Ongoing Assessment & Review
After implementing your strategy, we will meet together to periodically review your financial plan and investment portfolio. This will allow us to track the progress toward your objectives. Moreover, when your personal situation or market conditions change significantly, I can suggest appropriate adjustments to your plan to help it remain aligned with your goals.
Area of Focus
We leverage our position and our affiliates to source innovative strategies from among the most knowledgeable investment minds in the business. Employing rigorous due diligence to identify, evaluate and select each alternative investment product on our platform, we work to identify the managers that we believe are highly qualified to help our clients meet their objectives. Your choices will depend on your goals, objectives and risk tolerance.
Alternative Investment Capabilities
This piece introduces Morgan Stanley's Alternative Investments platform and covers a variety of topics, including overall offerings, our rigorous investment manager and fund selection due diligence process, and strategies in development.
Learn More
Private Credit
Learn more about Morgan Stanley's Private Credit offerings and other important information about the asset class.
Learn More
Private Equity
Private Equity as an alternative investment may offer attractive long-term return potential and the opportunity for diversification through historically low correlation to traditional strategies.
Learn More
Private Markets
This piece introduces Morgan Stanley's Private Markets platform, highlights the features of private investing, the historical performance of Private Markets, and the industry landscape. Additionally, it outlines Morgan Stanley's global network and provides examples of sample past deals.
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Private Real Estate
Explore the broad range of Private Real Estate Investments and capabilities available through Morgan Stanley's comprehensive platform.
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Single Manager Hedge Funds
This piece provides an introduction to single manager hedge funds, and covers topics such as common characteristics, hedged strategies, and platform offerings.
Learn MoreSetting a Foundation
Our team sets out to properly educate each of their clients in wealth planning. Effective communication and understanding is key to any strategy. On this page you will find a multitude of family wealth planning resources that not only start the conversation but provide tangible items to reference. Please take a moment to review the documents on this page from Morgan Stanley and contact us for any questions or concerns.
Family Governance Fact Sheet
This document provides an overview of Family Governance and how to address the complexities of transferring wealth to the next generation, advising on specific strategies, and preserving family legacy.
Learn MoreFamily Foundation Toolkit
This toolkit provides an overview of best practices for forming a family foundation including information on creating a mission statement, roles and responsibilities, and legacy and succession planning.
Learn MoreFamily Constitution and Family Bylaws
Family governance documents, such as Family Constitutions and Family Bylaws, can be important parts of the family governance system. Learn more about how these documents can help lay a solid foundation towards family wealth planning.
Learn MoreSample Family Mission Statement
This sample of a family mission statement is intended to be educational in nature and is for illustrative purposes only. Please review this example to start a conversation with proper council.
Learn More10 Rules for Talking to Kids About Money
Many affluent parents dread talking with their kids about money. “Once we talk about money,” they say, “it will be like opening Pandora’s box. Nothing but evil will issue forth. "This resource is here to help you navigate this conversation in a positive and constructive direction.
Learn MoreWealth Education Development Plan
There is subject matter that family members must understand if they are to manage generational wealth and become effective stewards. Please review this educational resource to create a deeper understanding of family wealth planning.
Learn MoreClient Resources
Family Office Resources
Family Office Resources (FOR) provides specialized technical expertise to ultra-high net worth Financial Advisors and clients across a broad range of family wealth management issues.
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On the Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
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Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
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Digital Vault
Digital Vault lets you easily and conveniently manage and share life’s most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings.
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Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
Click to Learn More About Morgan Stanley Online
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Click to Learn More About Total Wealth View
Morgan Stanley's Security Center
Safeguarding your assets and information is one of our highest priorities, but you also have a critical role to play. Check out our collection of practical takeaways and best practices from our cybersecurity professionals, then explore a few of the ways we help protect you.
Access Our Security Center
Tax Tables
This helpful resource outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
Click to View the 2024 Tax Tables
Integrating Philanthropy & Family Values in Your Wealth Plan Successfully
Family Office Resources at Morgan Stanley can help you articulate and memorialize your family philosophy. Watch to see how we can help integrate philanthropy and family values into your wealth plan.
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Importance of a Holistic Approach to Your Wealth
Your wealth plan is greater than its parts, and Family Office Resources at Morgan Stanley understands the importance of a holistic approach to wealth. Watch to learn more how we can help integrate this philosophy into your wealth plan.
Click to WatchAWARD-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
100 Front St
Ste 600
West Conshohocken, PA 19428
US
Direct:
(610) 260-7684(610) 260-7684
Meet The ThirtyFive/24 Wealth Management Group
Executive Director, Financial Advisor, Portfolio Management Director, Alternative Investments Director, Family Wealth Director, Global Sports and Entertainment Director
Phone:
(610) 260-7485(610) 260-7485
Wendy Masse, CIMA®, CDFA®
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(610) 940-4544(610) 940-4544
Allison Slobodian, CFP®
Financial Advisor, Financial Planning Specialist
Phone:
(610) 260-7452(610) 260-7452
Carol Kwietnieski
Portfolio Associate, Senior Registered Associate
Phone:
(610) 260-8640(610) 260-8640
Lisa Dimter
Client Service Associate
Phone:
(610) 260-7495(610) 260-7495
About Robert V. Kyle III
Robert delivers multigenerational planning and family wealth planning solutions to ultra-high net worth families, business owners, attorneys, and real estate professionals . With over 28 (35)years of experience, he specializes in helping affluent families successfully transfer wealth across generations while preserving family values and preparing the next generation for responsible stewardship.
Robert’s career has been dedicated to constructing and managing strategic and tactical asset allocation models designed to grow and preserve wealth. He began with nearly a decade at Wachovia Wealth Management and Wells Fargo Bank as a Senior Investment Manager. He then spent five years at Citi Private Bank as a Director and Investment Counselor, advising ultra-high net worth families, institutions, and law firm partners. Since joining Morgan Stanley, Robert has continued this focus, earning the Master’s Club every year from 2020 through 2026 and the Century Club in 2021.
Robert works with some of the country’s most affluent families to develop customized investment strategies using equities, fixed income, alternative investments, real estate, and private equity. His primary focus includes investment management, trust services, family wealth planning, business succession planning, and lending and banking strategies. He takes a holistic approach that integrates family governance, legacy planning, and next generation stewardship. Robert frequently collaborates with CPAs, estate attorneys, and trust companies to deliver coordinated, family-office-style solutions that support successful wealth transfer and reduce common generational risks.
Education and Background
Robert earned a B.S. from Saint Joseph’s University, where he was a member of the Men’s Rowing Team (1986–1990). He later served as the Men’s Rowing coach at Loyola College (1990–1994). Earlier in his career, he co-hosted the investment-oriented radio show “You & Your Money” in Baltimore, MD.
Robert, his wife Beth, and their three children reside in Blue Bell, Pennsylvania. He is actively involved with Simon’s Heart as a member of their Board (raising awareness for pediatric heart health), Mount Saint Joseph’s Academy Rowing, the Philadelphia Scholastic Rowing Association. Additionally, Robert & Beth are active members of the Parent Leadership Society at the College of Charleston, SC. These commitments reflect the same values of stewardship, education, and long-term legacy that guide his work with families.
Robert’s career has been dedicated to constructing and managing strategic and tactical asset allocation models designed to grow and preserve wealth. He began with nearly a decade at Wachovia Wealth Management and Wells Fargo Bank as a Senior Investment Manager. He then spent five years at Citi Private Bank as a Director and Investment Counselor, advising ultra-high net worth families, institutions, and law firm partners. Since joining Morgan Stanley, Robert has continued this focus, earning the Master’s Club every year from 2020 through 2026 and the Century Club in 2021.
Robert works with some of the country’s most affluent families to develop customized investment strategies using equities, fixed income, alternative investments, real estate, and private equity. His primary focus includes investment management, trust services, family wealth planning, business succession planning, and lending and banking strategies. He takes a holistic approach that integrates family governance, legacy planning, and next generation stewardship. Robert frequently collaborates with CPAs, estate attorneys, and trust companies to deliver coordinated, family-office-style solutions that support successful wealth transfer and reduce common generational risks.
Education and Background
Robert earned a B.S. from Saint Joseph’s University, where he was a member of the Men’s Rowing Team (1986–1990). He later served as the Men’s Rowing coach at Loyola College (1990–1994). Earlier in his career, he co-hosted the investment-oriented radio show “You & Your Money” in Baltimore, MD.
Robert, his wife Beth, and their three children reside in Blue Bell, Pennsylvania. He is actively involved with Simon’s Heart as a member of their Board (raising awareness for pediatric heart health), Mount Saint Joseph’s Academy Rowing, the Philadelphia Scholastic Rowing Association. Additionally, Robert & Beth are active members of the Parent Leadership Society at the College of Charleston, SC. These commitments reflect the same values of stewardship, education, and long-term legacy that guide his work with families.
Securities Agent: LA, DE, HI, CA, WA, SC, GA, PA, IA, AL, CO, WI, NJ, VA, NV, MD, MA, TX, OK, OH, NY, DC, AZ, TN, MS, CT, WY, NC, MI, IN, UT, SD, RI, IL, FL, OR, MT; General Securities Representative; Investment Advisor Representative
NMLS#: 1416402
NMLS#: 1416402
About John Griffin
John Griffin is an Executive Director, Family Wealth Director, Portfolio Manager and Alternative Investments Director in the Private Wealth Management division of Morgan Stanley. John has worked with successful executives, business owners and entrepreneurs for over 25 years – assisting in the sale of a business, raising capital, preserving assets, investing the proceeds of a transaction and structuring portfolios to help preserve and grow family wealth as well as transfer legacy assets to the next generation or a philanthropic priority.
John has enjoyed the complexity and dedication to this work and clients have benefitted from his tenured experiences trading municipal bonds for a Wall Street firm or leading the investment committee as a trustee of a large university endowment. John’s additional certifications and personal commitment to rigorous continuing education have been hallmarks of his career and impactful to his clients.
John has managed client portfolios through many market cycles - including three previous major corrections - as an Executive Director at Credit Suisse, J.P. Morgan Private Bank and Donaldson, Lufkin and Jenrette. John started his career as a municipal bond trader in NYC at Paine Webber and previously led the private client businesses of Chartwell Investment Partners and Zeke Capital Advisors in Berwyn, PA.
John is very active in Philadelphia based nonprofit organizations. He currently serves on the Board of Independence Blue Cross and Roman Catholic High School. He previously served on the board of St. Joseph’s University and the Philadelphia School Partnership. John graduated magna cum laude with a B.S. from St. Joseph’s University, an MBA from Drexel University and holds the Certified Investment Management Analyst ® certification, administered by the Investment & Wealth Institute and taught in conjunction with the Yale School of Management as well as the Certified Financial Planner ® certification conferred by the Certified Financial Planner Board of Standards . He was previously the successful men’s head basketball coach of Siena College and St. Joseph’s University.
In his spare time, John enjoys golf, spending time with his family and broadcasting college basketball games on TV.
John has enjoyed the complexity and dedication to this work and clients have benefitted from his tenured experiences trading municipal bonds for a Wall Street firm or leading the investment committee as a trustee of a large university endowment. John’s additional certifications and personal commitment to rigorous continuing education have been hallmarks of his career and impactful to his clients.
John has managed client portfolios through many market cycles - including three previous major corrections - as an Executive Director at Credit Suisse, J.P. Morgan Private Bank and Donaldson, Lufkin and Jenrette. John started his career as a municipal bond trader in NYC at Paine Webber and previously led the private client businesses of Chartwell Investment Partners and Zeke Capital Advisors in Berwyn, PA.
John is very active in Philadelphia based nonprofit organizations. He currently serves on the Board of Independence Blue Cross and Roman Catholic High School. He previously served on the board of St. Joseph’s University and the Philadelphia School Partnership. John graduated magna cum laude with a B.S. from St. Joseph’s University, an MBA from Drexel University and holds the Certified Investment Management Analyst ® certification, administered by the Investment & Wealth Institute and taught in conjunction with the Yale School of Management as well as the Certified Financial Planner ® certification conferred by the Certified Financial Planner Board of Standards . He was previously the successful men’s head basketball coach of Siena College and St. Joseph’s University.
In his spare time, John enjoys golf, spending time with his family and broadcasting college basketball games on TV.
Securities Agent: MA, IL, AZ, TX, IN, CA, WY, SD, DE, CT, IA, FL, WA, OH, NV, NC, MI, DC, TN, NJ, PA, CO, VA, SC, MD, HI, RI, GA, UT, OK, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 821373
NMLS#: 821373
About Wendy Masse
Wendy is a committed advocate for her clients. As a highly regarded investment professional, with over three decades of experience, Wendy makes her client’s goals and objectives a top priority. This begins by asking smart questions and taking the time to listen carefully. Understanding where one’s wealth stands today, and where one desires it to be in the future.
Prior to joining Morgan Stanley in 2018, Wendy spent twenty-six years on the institutional side of the financial services industry with senior roles at Nuveen Investments and Neuberger Berman. Wendy’s clients included top producing financial advisors at firms such as Merrill Lynch, UBS, and Morgan Stanley. In this capacity as a consultant, Wendy had the opportunity to educate and assist financial advisor teams in selecting investment products and strategies for their high-net-worth clients.
Wendy’s decades long career is defined by the deep relationships she has built with her clients. Combining her own experience with the breadth of Morgan Stanley’s investment platforms and intellectual capital, Wendy strives to enhance the lives of those who seek her advice.
Wendy earned her B.S. from Boston University, and her MBA from the American University in Washington D.C. Wendy holds the Certified Investment Management Analyst (CIMA)® designation administered by the Investments & Wealth Institute and taught in conjunction with The Wharton School at the University of Pennsylvania. Wendy also earned her Certified Divorce Financial Analyst® (CDFA®) designation from the Institute for Divorce Financial Analysts. She has also attained the Pacesetter’s Club at Morgan Stanley from 2020 to 2025.
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.
Prior to joining Morgan Stanley in 2018, Wendy spent twenty-six years on the institutional side of the financial services industry with senior roles at Nuveen Investments and Neuberger Berman. Wendy’s clients included top producing financial advisors at firms such as Merrill Lynch, UBS, and Morgan Stanley. In this capacity as a consultant, Wendy had the opportunity to educate and assist financial advisor teams in selecting investment products and strategies for their high-net-worth clients.
Wendy’s decades long career is defined by the deep relationships she has built with her clients. Combining her own experience with the breadth of Morgan Stanley’s investment platforms and intellectual capital, Wendy strives to enhance the lives of those who seek her advice.
Wendy earned her B.S. from Boston University, and her MBA from the American University in Washington D.C. Wendy holds the Certified Investment Management Analyst (CIMA)® designation administered by the Investments & Wealth Institute and taught in conjunction with The Wharton School at the University of Pennsylvania. Wendy also earned her Certified Divorce Financial Analyst® (CDFA®) designation from the Institute for Divorce Financial Analysts. She has also attained the Pacesetter’s Club at Morgan Stanley from 2020 to 2025.
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.
Securities Agent: CT, WY, NY, DE, MN, MD, AZ, OK, CA, IN, DC, WA, FL, IL, IA, CO, GA, NV, OR, NJ, WI, TN, VA, OH, NC, AL, TX, SD, RI, MA, UT, SC, PA, NH, MI, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 1780433
NMLS#: 1780433
About Allison Slobodian
Allison Slobodian specializes in comprehensive financial planning that helps ultra-high net worth families translate complex goals into clear, actionable multigenerational strategies. As a CERTIFIED FINANCIAL PLANNER™ (CFP®) with over 10 years of experience, she focuses on family financial education and next generation stewardship — equipping parents and their adult children with the knowledge and structure needed to successfully manage, preserve, and transfer family wealth.
Allison creates and continuously monitors holistic financial plans that address all major areas of a family’s financial life, including asset allocation, cash flow management, insurance planning, tax-efficient investing, estate strategies, philanthropic giving, and family governance. Her planning process emphasizes practical education so that the next generation can become confident and responsible participants in their family’s long-term wealth plan. She previously served as the Financial Planning Director for the Philadelphia Complex at Morgan Stanley, where she supported advisors in delivering high-quality, customized planning solutions.
Education and Credentials
Allison earned a B.A. in Media and Communication Studies from Ursinus College, where she competed on the gymnastics team and as a cheerleader. She holds Series 6, 7, 63, and 65 licenses, along with life, accident, and health insurance licenses.
Allison is actively involved in the community as a member of the Fox Chase Cancer Center’s Board of Associates, where she founded the Young Professional Chapter. She enjoys running, hiking, traveling, reading, and exploring new restaurants. Allison lives in Wayne, Pennsylvania with her husband, son Emmett, daughter Addie, and their border collie, Wyatt.
Allison creates and continuously monitors holistic financial plans that address all major areas of a family’s financial life, including asset allocation, cash flow management, insurance planning, tax-efficient investing, estate strategies, philanthropic giving, and family governance. Her planning process emphasizes practical education so that the next generation can become confident and responsible participants in their family’s long-term wealth plan. She previously served as the Financial Planning Director for the Philadelphia Complex at Morgan Stanley, where she supported advisors in delivering high-quality, customized planning solutions.
Education and Credentials
Allison earned a B.A. in Media and Communication Studies from Ursinus College, where she competed on the gymnastics team and as a cheerleader. She holds Series 6, 7, 63, and 65 licenses, along with life, accident, and health insurance licenses.
Allison is actively involved in the community as a member of the Fox Chase Cancer Center’s Board of Associates, where she founded the Young Professional Chapter. She enjoys running, hiking, traveling, reading, and exploring new restaurants. Allison lives in Wayne, Pennsylvania with her husband, son Emmett, daughter Addie, and their border collie, Wyatt.
Securities Agent: TX, MI, SC, NJ, NC, MA, DC, SD, RI, UT, OK, FL, CA, AZ, VA, GA, NV, CO, IA, IL, TN, OH, NY, IN, HI, WA, MD, DE, CT, PA, AL, WY, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 2508496
NMLS#: 2508496
About Carol Kwietnieski
Carol joined Morgan Stanley in January, 2009. Previously, she was a Client Associate at Merrill Lynch for 26 years and was a member of the Quarter Century Club. She was a mentor to her fellow Client Associates and trained new hires.
Carol earned her Associate’s Degree at Keystone School of Business in their Executive Secretarial program.
Carol lives in Cherry Hill, NJ with her husband Ed and her daughter Julie.
Carol earned her Associate’s Degree at Keystone School of Business in their Executive Secretarial program.
Carol lives in Cherry Hill, NJ with her husband Ed and her daughter Julie.
About Lisa Dimter
Lisa brings 29 years of experience in the financial services industry and is currently registered with FINRA, maintaining her Series 7, 9, 10, 63, and 66 licenses. Prior to joining Morgan Stanley, she held roles at Wells Fargo, Credit Suisse, Deutsche Bank, and several other financial services firms. Lisa is a graduate of Penn State University, where she earned a B.A. in Human Development and Family Studies with a minor in Business Administration.
Contact Robert V. Kyle III
Contact John Griffin
Contact Wendy Masse
Contact Allison Slobodian
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
Jonathan Gabriel
Planning Associate
About Lewis Harrison
Lewis Harrison is a Private Banker serving Morgan Stanley Wealth Management offices in Pennsylvania.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Lewis began his career in financial services in 2006 and joined Morgan Stanley in 2014 as an Associate Private Banker. Prior to joining the firm, he was an Internal Banking Specialist at the Bank of America/Merrill Lynch. He also served as an Investment Service Advisor with the Merrill Lynch Financial Advisory Center.
Lewis is a graduate of the University of Kansas, where he received a Bachelor of Science in Communications and Economics. While at the University of Kansas, Lewis played guard on the school’s basketball team which reached the Final Four in 2002. He lives in Fort Washington, Pennsylvania with his family. Outside of the office, Lewis supports all Kansas City sports teams, enjoys beach vacations, and spending time with family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Lewis began his career in financial services in 2006 and joined Morgan Stanley in 2014 as an Associate Private Banker. Prior to joining the firm, he was an Internal Banking Specialist at the Bank of America/Merrill Lynch. He also served as an Investment Service Advisor with the Merrill Lynch Financial Advisory Center.
Lewis is a graduate of the University of Kansas, where he received a Bachelor of Science in Communications and Economics. While at the University of Kansas, Lewis played guard on the school’s basketball team which reached the Final Four in 2002. He lives in Fort Washington, Pennsylvania with his family. Outside of the office, Lewis supports all Kansas City sports teams, enjoys beach vacations, and spending time with family and friends.
NMLS#: 807981
About Jonathan Gabriel
Jonathan Gabriel 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. Jonathan 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 his undergraduate degree from Stockton University and received the Financial Planning Specialist® designation from the College for Financial Planning. Jonathan currently resides in Ringwood, New Jersey.
He earned his undergraduate degree from Stockton University and received the Financial Planning Specialist® designation from the College for Financial Planning. Jonathan currently resides in Ringwood, New Jersey.
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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Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
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- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The ThirtyFive/24 Wealth Management Group today.
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.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley Smith Barney LLC 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.
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 and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
6Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
7Morgan 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
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
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.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley Smith Barney LLC 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.
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 and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
6Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
7Morgan 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
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
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.
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CRC 4665150 (8/2025), 4763067 (9/2025), 5378280 (5/2026)
