Our Story

Because the future is never certain, you need to protect that which you value most. We believe that unnecessary risk is something no one can afford, that’s why we help people craft financial plans that are sensible, comprehensive, and research-based.

We founded The Titan Group with two inherent beliefs that continue to shape our approach today:

-We will hold ourselves out as your trusted resource, whether you’re our client or not.
-We will always keep your best interests as our only concern.

We truly work as a team (not just a group of individuals), and that means our experience is vast. We were there during Tech-Wreck 2000, 9/11, the Great Recession of 2008, and helped navigate COVID (emotionally and in the markets). Through each, we’ve helped multigenerational families, non-profit organizations, and high-profile athletes and entertainers build and maintain the pillars of their financial lives—whether that be growing and distributing assets over many generations, managing sudden income, or protecting and building an endowment.

We want to help you change your life.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Clients

Tab Image
We work with people we like. That’s our rule. Because of that, we’ve had the pleasure of developing deep relationships with our clients. Coupled with our vast skill set, that’s also why our client base represents such a diverse array of executives, families, business owners, nonprofit organizations, professional athletes, and entertainers. Good people who value responsible advice, that’s who we want in our professional family.

Some of these clients are just around the corner from our offices; others are in large US and international cities; our athletes & entertainers may be on the road for the majority of the year. Likewise, some have been with us for four generations; others for less than a year. But no matter how far away you are, or how long you’ve been our client––we strive to be your ever-present financial resource.

To do this, we keep our practice intentionally intimate. We simply care too much about our clients to do anything “halfway,” even for just a day. We’ll work with your professional network; we’ll offer you a second opinion; we’ll explain a financial complexity; we’ll help you solve a small, frustrating problem. We feel a fundamental need to offer you the highest level of care and extend a helping hand.

A FINANCIAL PLAN MADE FOR YOU

Our main concern is you - you deserve a solid financial future, and we believe that starts with a sound financial plan.

It must reflect who you are, where you are, and where you want to be 10, 20, or even 50 years down the line. That’s why, after we’ve laid your financial foundations, we pause to ask you, “What’s it all for?”
    Icon Image
    Creating Your Plan
    Our approach is to understand your unique needs and goals so our team can create a tailored plan. We are committed to providing guidance and support to help you achieve financial success.
    Icon Image
    Adaptable
    The markets and your goals will change so we adjust your plan to stay on track.
    Icon Image
    Comprehensive
    Our suite of investment products and services are designed to help meet a magnitude of your financial needs.
    Icon Image
    GPS
    Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
    Learn More Here
    Icon Image
    Spending and Budgeting Tool
    In collaboration with us, you gain access to Morgan Stanley's robust Spending and Budgeting tool, designed to provide you with insights into your cash flows across various internal and external accounts. It tracks spending patterns and produces an income and expense analysis to help you achieve your goals by adjusting your spending behavior when necessary.
    Start Budgeting Here
    Icon Image
    Portfolio Risk Platform
    This risk management platform offers an extensive range of risk assessment and reporting capabilities across various asset classes and security types in your portfolio. This platform provides a holistic view to better enable risk to be effectively monitored and managed.

Empowering Your Family's Future

    Icon Image
    Estate Planning Strategies
    Working with our wealth centers team we look at all aspects of an individual's estate to understand the potential estate planning attributes of the vehicles. The goal is to make more informed investment decisions for the client by looking at their estate plan holistically.
    Click Here
    Icon Image
    Cash Management
    I can help your family with cash management, budget issues, advice on large purchases, or even help your child understand investments.
    Click Here
    Icon Image
    Family Wealth Resources: Best Practices
    There is no simple formula to follow when creating or maintaining a single family office. In fact, some family offices are formed explicitly because the existing service models don’t sufficiently address the family’s unique needs. As a result, each single family office inevitably reflects the individual objectives, personalities and dynamics of the family that establishes it. This guidebook provides a broad survey of best practices across a wide variety of topics, addressing the key questions our clients raise most often.
    You Can Learn More Here
    Icon Image
    Philanthropic Planning
    Your set of Philanthropic objectives is as personal as your vision of a better world. Determining your objectives however, can be challenging when there are so many worthy causes and so many unmet needs. As you explore which efforts will ultimately give you the greatest satisfaction consider the following:
    You Can Start Here
    Icon Image
    Evaluating a Physical Contingency Plan for Your Family
    In these uncertain times, individuals and families may be considering whether they should temporarily relocate. Signature Access Lifestyle Advisory has partners that can assist with health advisory and private aviation
    needs.
    Learn More Here

Global Sports And Entertainment

Morgan Stanley's Global Sports & Entertainment is a highly specialized wealth management division, dedicated to serving the unique and complex needs of
athletes, entertainers, creators and top professionals in the sports and entertainment industry.

Every sports and entertainment profession has its own unique elements, including earnings profiles and variable career spans that can have a major impact on wealth management. A sports or entertainment professional should have a Financial Advisor who knows the industry and how money flows from your work to your wallet.

As a Global Sports and Entertainment Director, Jeffrey was chosen for his experience working with athletes and/or entertainers, so he understands your total financial picture. With he and his team’s credentials, experience and knowledge, they can craft financial strategies that reflect the unique challenges and dynamics that athletes and entertainers face.
    Icon Image
    How We Can Help
    - Take care of your family without compromising your own future
    - Help you understand the mechanics of your financial well-being and navigating the financial world
    - Extend your brand or expand your footprint
    - Stretch peak earnings and plan for your lifetime
    - Make the difference you want to see in the world
    Check Out Our Capabilities
    Icon Image
    Our Process
    - Developing a sustainable budget
    - Determining and articulating your financial goals
    - Setting financial boundaries that help safeguard your money
    - Creating strategies to help preserve, grow and transfer wealth
    - Analyzing investment and/or business opportunities
    Icon Image
    Financial Solutions for Prospective Pros
    The journey to becoming a professional athlete is exciting and challenging. The Global Sports & Entertainment Group can offer financial support at the right moment. Even if an athlete just wants to talk with us to get a second opinion about their options, we’re here to help. It’s all part of our mission to give back to the sports and entertainment community by providing the skills and knowledge to help athletes make smart choices about their finances.
    Click Here
    Icon Image
    The Path From Athlete to Entrepreneur
    Entrepreneurs and athletes have a lot in common: Both have competitive drives and get-it-done mindsets. They don’t shy away from calculated risks and consider failure as a learning opportunity. Many athletes think about what they’ll do after sports, some choosing to become entrepreneurs. Learn how a our team can help plan for success.
    Learn More Here
    Icon Image
    Investing in Life After the Game
    Careers in sports and entertainment follow unique financial trajectories that may benefit from a tailored investing approach. A planned approach with the right asset allocation framework can help athletes and entertainers preserve and, in some cases, enhance their career earnings.
    Icon Image
    Rise Up
    As a Morgan Stanley Global Sports and Entertainment Director, I understand the unique financial complexities of your career and have the tools needed to help drive your financial success. Supported by an elite team with deep, diverse experience, and backed by Morgan Stanley’s global resources and cutting-edge technology, I am equipped to work with you to achieve all your financial goals. Let’s talk!
    Click Here To Watch Video

WORKPLACE FINANCIAL BENEFITS WITH MORGAN STANLEY AT WORK

Our mission is to help your company elevate your workplace financial benefits—helping you to attract and retain top talent. Our end-to-end solutions support your company and employees at any stage of growth through a powerful combination of modern technology, insightful guidance, and dedicated service.

    Equity Solutions

    Equity ownership is a powerful motivator. Streamline equity management through our leading-edge technology and provide global audit-ready reporting and insights, alongside customizable participant experiences to engage and educate your employees on how to make the most of their benefits. Our global solutions support private and public companies at any stage of growth.

    • Equity Administration and Financial Reporting
    • Liquidity Events
    • 409A Valuation Services and Cap Table Management

    Learn more
    Retirement

    For your employees, retirement is more than a date in the future—it's a milestone that takes time, hard work, and the right tools. Through our consultative process, we strive to assist with the management of your fiduciary responsibilities and risk, simplify plan management, and help you improve retirement readiness for your employees.

    • Defined Contribution Consulting
    • Solutions-Oriented Plans
    • Fiduciary Investment Oversight

    Learn more
    Deferred Compensation

    Access a range of Nonqualified Deferred Compensation plan services or pick the ones that best fit your needs. We provide recordkeeping and plan design, portfolio construction services, and plan education for your executive talent. We help you determine the appropriate plan design and inform a funding strategy through a needs-based assessment and consultative approach.

    Services include:

    • Recordkeeping and Plan Design
    • Portfolio Construction
    • Wealth Management Services
    Learn more
    Executive Services

    Our dedicated team provides concierge-level support for your executives' equity compensation plans, from 10b5-1 trading plans to form filing related to Rule 144 transactions, to access to wealth management and tax-optimization strategies, so helping them navigate their complex financial needs with greater confidence and certainty:

    • Equity Compensation Services
    • Equity Award Analysis
    • Specialized Solutions
    Learn more
    Saving and Giving

    Saving and Giving benefits can make a real difference in your employees' lives as they can support the things that matter most to them—like saving for education and repaying student loans. Show that you are committed to your employees' priorities with leading-edge solutions that help them chart a path toward financial well-being.

    • College Savings
    • Student Loan Repayment and Refinancing
    • Charitable Giving
    Learn more
    Financial Wellness

    We offer Financial Wellness with every solution we provide. Through a powerful combination of education, digital tools and guidance, Financial Wellness is designed to address the unique needs of your employees and empower their financial journey at every stage. Give your employees the confidence to take charge of their finances.

    • Financial Education
    • Digital Tools
    • Financial Guidance

    Learn more

Location

300 Linden Oaks
Suite 200
Rochester, NY 14625
US
Direct:
(585) 389-2250(585) 389-2250
Toll-Free:
(800) 825-5334(800) 825-5334
2001 Commonwealth Blvd
Ann Arbor, MI 48105
US

Meet The Titan Group

Photo of Keri L. Link

Keri L. Link, CRPC

Business Development Director, Financial Planning Specialist
Phone:
(585) 389-2250(585) 389-2250
Photo of Sara R. Heaton

Sara R. Heaton

Registered Client Service Associate, Financial Planning Specialist
Phone:
(585) 385-5167(585) 385-5167
Photo of Peter Samurkas

Peter Samurkas

Registered Client Service Associate
Phone:
(248) 218-8245(248) 218-8245

About Jeffrey M Kotalik

Jeffrey Kotalik is a Senior Vice President, Sports and Entertainment Director, NFLPA Registered Institutional Player Financial Advisor, Senior Portfolio Manager, Investment Management Consultant, and Financial Planning Specialist with The Titan Group at Morgan Stanley. With over two decades of industry experience, Jeff focuses on crafting comprehensive wealth management plans for professional athletes, established and emerging entertainers, high net worth families, corporate executives, and entrepreneurs.

A 1997 graduate of Miami University of Ohio, Jeff earned his Bachelor’s Degree in Political Science before beginning his professional career in the financial industry. He joined Morgan Stanley and its predecessor firm in 1998 and has remained with the firm ever since. Before calling Rochester his home, Jeff first established himself with Morgan Stanley in Chicago and later in Boston.

Coupled with his vast experience, Jeff offers a team-structured and client-facing wealth management service. Along with his team at The Titan Group, he aims to help his every client build and protect the foundations for a healthy and sustainable financial life. To do this, Jeff develops comprehensive and personalized strategies that revolve around responsible investing, detailed financial planning, income protection, and budgeting. Like all members of The Titan Group, he aims to be an around-the-clock financial resource for his clients––whether that means working with their professional network, offering a second opinion, explain a financial complexity, or helping to solve any financial issue that might arise.

Outside of the office, Jeff lives in Pittsford, NY with his wife Leslie and their two daughters Ryan & Jamie. Deeply invested in his family and community, Jeff is an Eagle Scout and has coached volleyball at all levels for over 25 years.
Securities Agent: NE, OH, WI, NY, KS, CO, IL, MI, CA, RI, PA, IN, DE, AZ, NC, MN, GA, VT, WA, MT, ME, WY, NH, MS, CT, MA, UT, DC, NV, MD, AR, VA, SC, TN, NJ, FL, PR, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 1265098
CA Insurance License #: 0136435
AR Insurance License #: 1511764

About David B Kotalik

David Kotalik is a Senior Vice President, Financial Advisor, Family Wealth Director & Senior Investment Management Consultant with The Titan Group at Morgan Stanley. With decades of industry experience, David helps executives, business owners, high net worth families, foundations, and institutions achieve their vision of the future while helping to mitigate risk along the way.

In 1993, David earned his Bachelor’s Degree in Political Science and Economics from the University of Michigan. He began his career in the wealth management industry, working in both advisory and operational roles. In 1999, he joined Morgan Stanley as a financial advisor and has been with the firm ever since.

Utilizing a responsible and transparent approach to investing, David focuses on building sustainable financial futures for his clients. He begins by assessing what each client needs, and then articulates a detailed and cohesive plan that aims to meet these needs efficiently and with as little risk as possible. Once the foundations are set, David works with his clients to establish a specific purpose for their assets and adjusts their financial plans accordingly. He believes that each client deserves comprehensive and personalized service, and strives to deliver that through a combination of diligent research, sensible advice, and unwavering integrity.

Outside of the office, David lives in Brighton, NY with his wife, Denise, and their two children, Tori and Andrew.  He is an active member of his local community, an avid tennis player and skier, Eagle Scout, and mentor/leader in the local Boy Scout chapter.
Securities Agent: CO, MI, NH, OH, MA, MD, NV, TN, ME, KS, MN, VA, CT, PR, IL, SC, RI, PA, NC, AR, DE, MS, TX, VT, WA, WI, AZ, DC, FL, GA, UT, NY, CA, IN, MT, NJ, NE; General Securities Representative; Investment Advisor Representative
NMLS#: 1255557
CA Insurance License #: 0H36681
AR Insurance License #: 4645629

About Michael Pisarczyk

Mike’s emphasis is helping executives, families, and non-profits first define their destination. By specifically defining goals, he can then bring together the most effective resources to help clients realize their aspirations. With more than twenty years of experience working at multi-billion dollar corporations, he understands the constraints affecting the busy individuals who drive success in high-impact roles. Given those constraints, a plan to leverage several key resources can be implemented including Mike’s experience and personal attention to detail, the vast array of financial services available through Morgan Stanley, and the full support of the Titan Group.

Prior to joining Morgan Stanley in 2017, Mike earned an undergraduate degree in Chemical Engineering from the University of Michigan and an MBA in Finance and Strategy from the Tepper School at Carnegie-Mellon University. He worked in the oil and chemical industries in various finance and treasury capacities including broad experience managing retirement plans and retirement assets. In his last role prior to joining Morgan Stanley, he was the chief financial officer for a $1+ billion joint venture company that produces polysilicon for the electronics and solar panel industries. He holds the Chartered Financial Analyst (CFA®) designation.

The Titan Group at Morgan Stanley provides around-the-clock advisory support with a honed insight into unique needs such as income cash-flow, nuanced financial planning, and budgeting while incorporating external resources to better manage the complex financial issues that arise for high net worth individuals.

Mike and his wife Jennifer are long-term residents of Midland, Michigan. They are active in the community, participating in and supporting numerous non-profit, arts, education, and sporting organizations. They have three children, Megan, Sarah, and Nicholas, and have enjoyed following their many activities. Together the couple also stays physically active, especially with their golden retriever Bo.
Securities Agent: WV, WA, WI, VT, WY, PA, OH, NY, NV, NM, NJ, NE, ND, NC, MT, MS, MO, MN, MI, ME, VI, OR, OK, NH, LA, KY, ID, IA, HI, VA, MD, MA, KS, IN, IL, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, AK, PR, RI, SC, SD, TN, TX, UT; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1667632
CA Insurance License #: 0M23875
AR Insurance License #: 18602659

About Cary A Greenberg

Cary is a Senior Vice President, Portfolio Manager, and partner with The Titan Group at Morgan Stanley. Cary has dedicated over 35 years to delivering outstanding services to high net worth clientele and advises clients on all aspects of wealth management including asset allocation, risk management and portfolio management.  Cary works with clients to thoroughly understand their financial needs, concerns and goals and align them with the appropriate resources to help meet or exceed them. Cary has invested for clients since 1989.

Cary has been active on several non-profit organization boards including the Alzheimer’s Association, Rehab Philanthropies, Inc., and the LDA Life and Learning Services. When Cary is not volunteering, you may find him playing platform tennis or researching individual stocks, his two favorite hobbies. Additionally, Cary has served as a mentor with Big Brothers/Big Sisters, a volunteer with Habitat for Humanity, and has been a high school baseball coach. Cary is an active member of his Temple and of the Jewish Community Center. 

A graduate from the University at Buffalo, Cary resides in Rochester, New York, with his wife Stacey and four children and four dogs.
Securities Agent: VA, MS, IN, GA, CT, NV, NC, FL, CO, CA, DE, ME, NH, SC, MI, IL, KS, PA, RI, TX, WA, DC, OH, MT, WI, VT, TN, PR, NE, MN, AR, AZ, UT, OR, NJ, MD, MA, NY; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1262163
CA Insurance License #: 0D99433
AR Insurance License #: 7112017
Wealth Management
Global Investment Office

Portfolio Insights

Read More about On the Markets
Read "On the Markets"
This is a video content

Equity Compensation

Helping you make the most of your equity awards and better understand how it may fit into your your larger financial picture – today and tomorrow.

  • Vesting events
  • Option expirations
  • Restricted stock units
  • Tax implications

Wealth Management for Athletes and Entertainers

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.
  • Investment Management
  • Wealth Transfer & Philanthropy
  • Private Banking Solutions
  • Family Governance & Wealth Education
  • Lifestyle Advisory
Learn More about Wealth Management for Athletes and Entertainers
Planning for the Unexpected: Financial Tips for Unpredictable Careers
Article Image

Planning for the Unexpected: Financial Tips for Unpredictable Careers

Athletes and entertainers? careers often have their ups and down, all the more reason to plan ahead for a financially stable future. Here?s how.

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
Learn More about Family
Taking Control of Your Finances After Death of a Spouse
Article Image

Taking Control of Your Finances After Death of a Spouse

Financial planning after a divorce or death can be trying, but with the right approach and the right advice you can turn a difficult situation into empowerment.

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
Learn More about Retirement
4 Financially Smart Ways to Take Money Out of Retirement Accounts
Article Image

4 Financially Smart Ways to Take Money Out of Retirement Accounts

Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.

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
Learn More about Investing
2025 Global Economic Outlook: U.S. Policies May Temper Global Growth
Article Image

2025 Global Economic Outlook: U.S. Policies May Temper Global Growth

Global growth is likely to be around 3% in 2025 and 2026, as tariff and immigration policies begin to slow the U.S. economy late next year, and China's underperformance restrains emerging markets.

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
  • Qualified Retirement Plans
Learn More about Business Planning
Financial Planning for Life After Selling a Business
Article Image

Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

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
Learn More about Philanthropy
Donor Advised Funds: A Smart Way to Manage Your Giving 
Article Image

Donor Advised Funds: A Smart Way to Manage Your Giving 

There’s more to charitable giving than you may realize. Here’s one method that may be a tax-efficient way to give and can help maximize your impact.

Financial Wellness

Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
  • Reduce employee stress,
  • Improve retention and engagement, and
  • Set themselves apart by offering comprehensive financial wellness benefits.
Learn More about Financial Wellness
The Business Case for a Financially Resilient Workforce
Article Image

The Business Case for a Financially Resilient Workforce

In the face of turbulent markets, the word “resilience” may be top of mind. Broadly speaking, resilience is the ability to “bounce back” when encountering life’s inevitable challenges.
Ready to start a conversation? Contact The Titan Group today.
Market Information Delayed 20 Minutes
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.

Back to top



2Morgan 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

Back to top



3Alternative 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.

Back to top



4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

Back to top



5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

Back to top



6Morgan 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.

Back to top



7Morgan 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.

Back to top



8When 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.

Back to top



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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.

Back to top



10Morgan 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.

Back to top



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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney.  The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.

Awards Disclosures
CRC 6491812 (04/2024)