Bartosz Bak, CFP®
First Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(630) 203-6168(630) 203-6168
The True Horizon Group at Morgan Stanley
Direct:
(630) 203-6168(630) 203-6168
Direct:
(630) 203-6172(630) 203-6172
Our Mission Statement
Experienced wealth planning services for your life and legacy goals
Welcome to The True Horizon Group
At The True Horizon Group, we focus on empowering affluent families, business owners, corporate executives, young professionals, and entrepreneurs across the nation. Our mission is to deliver financial advice that is unbiased, precise, and forward-thinking—customized to meet the distinct needs of each client.
We distinguish ourselves through our concierge-level service model, which includes seamless coordination with our clients' broader professional network of attorneys, CPAs, and business consultants. This integrated approach helps ensure all aspects of our clients' financial lives work in harmony.
Understanding comes before action - this principle guides every client relationship. We take the time to thoroughly comprehend your financial situation, goals, and concerns before making any recommendations. Our team prides itself on presenting sophisticated financial solutions in clear, accessible terms while maintaining the highest level of professional service.
In a world of constant change in the financial, business, and political arenas, our commitment to staying ahead is unwavering. This dedication requires consistent effort and a commitment to expanding our team’s knowledge base. We leverage insights from Morgan Stanley’s Global Investment Committee, as well as perspectives from leading institutional money managers worldwide. This multifaceted approach is crucial in shaping our capital allocation strategies, setting us apart, and contributing significantly to our clients' financial success.
As part of Morgan Stanley, we combine the personal attention of a boutique practice with the resources and capabilities of one of the world's leading financial institutions.
We distinguish ourselves through our concierge-level service model, which includes seamless coordination with our clients' broader professional network of attorneys, CPAs, and business consultants. This integrated approach helps ensure all aspects of our clients' financial lives work in harmony.
Understanding comes before action - this principle guides every client relationship. We take the time to thoroughly comprehend your financial situation, goals, and concerns before making any recommendations. Our team prides itself on presenting sophisticated financial solutions in clear, accessible terms while maintaining the highest level of professional service.
In a world of constant change in the financial, business, and political arenas, our commitment to staying ahead is unwavering. This dedication requires consistent effort and a commitment to expanding our team’s knowledge base. We leverage insights from Morgan Stanley’s Global Investment Committee, as well as perspectives from leading institutional money managers worldwide. This multifaceted approach is crucial in shaping our capital allocation strategies, setting us apart, and contributing significantly to our clients' financial success.
As part of Morgan Stanley, we combine the personal attention of a boutique practice with the resources and capabilities of one of the world's leading financial institutions.
Services Include
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Retirement PlanningFootnote3
- Financial PlanningFootnote4
- Alternative InvestmentsFootnote5
- Executive Financial ServicesFootnote6
- Business Succession PlanningFootnote7
- 401(k) Rollovers
- Trust ServicesFootnote8
- Estate Planning StrategiesFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Five-Step Approach to Building Your Financial Future
1) Understanding Your Vision
At The Horizon Group at Morgan Stanley Oak Brook, we begin by getting to know you, your family, your aspirations, and your financial landscape. This in-depth discovery process explores your assets, liabilities, risk tolerance, and opportunities, allowing us to craft a truly personalized strategy designed around your unique goals.
2) Designing Your Roadmap
Armed with a deep understanding of your goals, our team collaborates to design a comprehensive wealth management strategy tailored specifically to you and your family's needs.
3) Refining Your Plan
We present you with a detailed plan and review it together, helping ensure it aligns with your vision and addresses every aspect of your financial well-being. Through this collaborative process, we refine recommendations and help ensure your strategy supports your long-term objectives.
4) Plan Execution
With your approval, we meticulously implement your personalized advanced planning and investment management strategies, putting your plan into motion.
5) Continuous Oversight
Your financial life is dynamic. We provide ongoing monitoring, regular reviews, and comprehensive reporting, collaborating with your other advisors (tax, legal, etc.) to help ensure your strategy adapts to life's changes and keeps you on track toward your goals. Through ongoing communication, personalized guidance, and regular plan updates, we help ensure your wealth management strategy remains aligned with your evolving needs.
Our Clients
We help people just like you, in various stages of life.
We understand that your specific circumstances may require unique solutions. No problem: we’ll work with you individually to develop detailed wealth plans and thoughtful strategies.
We understand that your specific circumstances may require unique solutions. No problem: we’ll work with you individually to develop detailed wealth plans and thoughtful strategies.
Our satisfied clients include:
- Business Owners (including family businesses)
- Corporate executives
- High net worth young investors
- Mid-career professionals and their families
- Seniors near or in retirement
- Professionals such at Attorneys and CPA's
- Polish Entrepreneurs & Families
Our digital tools help simplify account management, document access, financial planning, and everyday banking, all in one secure place.
Morgan Stanley Online & Mobile App
Stay connected to your accounts, investments, and everyday finances anytime, anywhere.
Total Wealth View
See your complete financial picture in one place by securely linking external accounts for more informed planning and decision-making.
Digital Vault
Store and organize important documents in a secure, encrypted digital document library.
E-Delivery
Receive, view, save, and manage important account documents digitally and securely.
E-Sign
Sign documents electronically from virtually anywhere using a secure, paperless process.
Reserved Living & Giving
An exclusive client benefits program offering access to savings, experiences, travel benefits, and more for eligible clients.
Portfolio Risk Platform
Gain deeper insights into portfolio risk through sophisticated analytics that help evaluate exposures and support informed investment decisions.
Security Center
Access tools, resources, and cybersecurity insights designed to help protect your accounts and personal information.
MORGAN STANLEY RESEARCH
Understanding the forces that impact your financial future is an important part of planning with confidence. The resources below offer Morgan Stanley's research and perspectives on key market trends, economic developments, and emerging opportunities to help inform your investment decisions.
Thoughts On The Market Podcast
Join Mike Wilson, Morgan Stanley's Chief Investment Officer and Chief U.S. Equity Strategist, as he and his colleagues provide insightful analysis of the market forces, economic developments, and investment trends shaping the financial landscape.
Global Investment Committee On the Markets Research Report
Access timely market perspectives from Morgan Stanley's thought leaders, offering in-depth analysis of global equities, fixed income, monetary policy, and the key trends shaping the economy and financial markets.
The Robot Almanac Series
Morgan Stanley's eight-part video series explores the rapid evolution of robotics and Physical AI, highlighting the trends and innovations that could help create a $25 trillion global market by 2050.
Global Investment Committee Weekly Research Report
Featuring Lisa Shalett of Morgan Stanley's Global Investment Committee, this weekly market update delivers timely analysis of market trends, asset class performance, and developments across fixed income.
Location
2211 York Rd
Ste 100
Oak Brook, IL 60523
US
Direct:
(630) 203-6168(630) 203-6168
Meet The True Horizon Group
Tyler Van Lul
Financial Advisor
Phone:
(630) 203-6172(630) 203-6172
Vivian Morgan, CRPC®
Registered Client Service Associate
Phone:
(630) 573-9644(630) 573-9644
About Bartosz Bak
Bartosz (Bart) Bak serves as a First Vice President and Senior Portfolio Manager within Morgan Stanley’s Wealth Management Division. As the founding member of the True Horizon Group, located in Morgan Stanley’s Oakbrook, IL office, Bart is committed to delivering exceptional financial advisory services. With over two decades of financial industry experience, Bart has established himself as a trusted advisor to a diverse clientele across the United States.
Bart is dedicated to guiding clients towards their financial aspirations through a comprehensive understanding of their goals, meticulous financial and investment planning, and strategic execution of investment management solutions. As a CERTIFIED FINANCIAL PLANNER® professional, Bart brings a holistic and thorough approach to wealth management for his clients.
Bart's journey embodies the American dream. Born in Poland and immigrating to the United States in 1992 at the age of 10 with his family, Bart is fluent in Polish and actively engaged in Chicago’s Polish business community. His experience has been sought-after by many Polish families and business owners, especially during pivotal moments like business sales or retirement planning. His multicultural background lends him a profound insight into the perspectives of Eastern and Western European individuals, coupled with a keen understanding of international markets and geopolitical dynamics.
A graduate of Aurora University, Bart earned dual Bachelor of Arts degrees in Finance and Political Science while competing as a Division III NCAA basketball player. He launched his career with A.G. Edwards in 2003 where he quickly established himself as a skilled Financial Advisor and laying the foundation for his current success at Morgan Stanley. His pursuit of excellence led him to obtain the prestigious CFP® certification, awarded by the Certified Financial Planner Board of Standards, demonstrating his commitment to rigorous educational standards and professional excellence.
Beyond his professional achievements, Bart is a committed family man. He resides in the Northwest Chicago Suburbs with his wife, Jackie, and their two children. An avid reader and fitness enthusiast, Bart dedicates significant time to local charitable causes, mentoring young professionals, and participating actively in the Catholic Church. His dedication to family and community service reflects the same principles of commitment and integrity that define his professional practice.
Bart is dedicated to guiding clients towards their financial aspirations through a comprehensive understanding of their goals, meticulous financial and investment planning, and strategic execution of investment management solutions. As a CERTIFIED FINANCIAL PLANNER® professional, Bart brings a holistic and thorough approach to wealth management for his clients.
Bart's journey embodies the American dream. Born in Poland and immigrating to the United States in 1992 at the age of 10 with his family, Bart is fluent in Polish and actively engaged in Chicago’s Polish business community. His experience has been sought-after by many Polish families and business owners, especially during pivotal moments like business sales or retirement planning. His multicultural background lends him a profound insight into the perspectives of Eastern and Western European individuals, coupled with a keen understanding of international markets and geopolitical dynamics.
A graduate of Aurora University, Bart earned dual Bachelor of Arts degrees in Finance and Political Science while competing as a Division III NCAA basketball player. He launched his career with A.G. Edwards in 2003 where he quickly established himself as a skilled Financial Advisor and laying the foundation for his current success at Morgan Stanley. His pursuit of excellence led him to obtain the prestigious CFP® certification, awarded by the Certified Financial Planner Board of Standards, demonstrating his commitment to rigorous educational standards and professional excellence.
Beyond his professional achievements, Bart is a committed family man. He resides in the Northwest Chicago Suburbs with his wife, Jackie, and their two children. An avid reader and fitness enthusiast, Bart dedicates significant time to local charitable causes, mentoring young professionals, and participating actively in the Catholic Church. His dedication to family and community service reflects the same principles of commitment and integrity that define his professional practice.
Securities Agent: AR, TX, TN, MO, HI, UT, OH, MA, GA, PA, IL, NC, SC, OR, CO, VA, NY, AZ, IN, CA, FL, WI, NM, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 560293
NMLS#: 560293
About Tyler Van Lul
Tyler Van Lul is a Financial Advisor with Morgan Stanley’s Wealth Management Division. After graduating from the Kelley School of Business at Indiana University with a Bachelor of Science degree in Finance, Tyler immediately began his advisory career at Thrivent Financial. In that role, he engaged in updating financial plans for workers nearing retirement while incorporating their beneficiaries in the process to help establish a legacy plan for the next generation.
In 2018, Tyler transitioned to Morgan Stanley where he could utilize one of the largest open architecture investment platforms in the industry. Additionally, having access to Morgan Stanley’s cutting edge Financial Planning and Risk Management software allows him to service his clients with the highest level of care and due diligence. Tyler is fundamentally invested in understanding his clients’ needs and is fully committed to delivering the most accurate, practical, and timely advice possible.
Tyler’s background gives him a unique understanding of the importance of geopolitical markets and constructing generational wealth. Being born in Gary, IN, Tyler grew up in a community where the impact of economic hardship was prevalent. He is active within multiple organizations dedicated to the advancement of impoverished and troubled youths in Chicago and Northwest Indiana. With that mission in mind, he frequently hosts workshops dedicated to providing financial literacy to those communities.
Tyler currently resides in the West Loop area of Chicago with his wife Lauren. He devotes some of his time to local non-profit organizations, coaching competitive youth programs, and helping organize networking events in the Chicagoland area for business professionals. Tyler is also a member of the Union League Club of Chicago and sits on the ULCC Admissions Committee.
In 2018, Tyler transitioned to Morgan Stanley where he could utilize one of the largest open architecture investment platforms in the industry. Additionally, having access to Morgan Stanley’s cutting edge Financial Planning and Risk Management software allows him to service his clients with the highest level of care and due diligence. Tyler is fundamentally invested in understanding his clients’ needs and is fully committed to delivering the most accurate, practical, and timely advice possible.
Tyler’s background gives him a unique understanding of the importance of geopolitical markets and constructing generational wealth. Being born in Gary, IN, Tyler grew up in a community where the impact of economic hardship was prevalent. He is active within multiple organizations dedicated to the advancement of impoverished and troubled youths in Chicago and Northwest Indiana. With that mission in mind, he frequently hosts workshops dedicated to providing financial literacy to those communities.
Tyler currently resides in the West Loop area of Chicago with his wife Lauren. He devotes some of his time to local non-profit organizations, coaching competitive youth programs, and helping organize networking events in the Chicagoland area for business professionals. Tyler is also a member of the Union League Club of Chicago and sits on the ULCC Admissions Committee.
Securities Agent: AR, NY, NJ, KY, IN, AZ, NV, NH, IA, FL, OH, HI, WI, VA, UT, NC, IL, CA, SC, GA, WA, PA, CT, CO, NM, OR, MN, MI, TX, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 1803162
NMLS#: 1803162
About Vivian Morgan
Vivian Morgan, The True Horizon Group’s dedicated Registered Client Service Associate, has committed her career to the wealth management industry since 1996. Initially working as a receptionist while pursuing her licenses, by 1999 she completed her Series 7, 66, and Insurance Registrations which allowed her to transition into the role of Registered Sales Assistant. Her career further advanced in 2001 when she became an Investment Associate, and in 2004, she earned the designation of Chartered Retirement Planning Counselor (CRPC®).
Vivian demonstrates exceptional client service skills, her prompt responsiveness to client inquiries, and her adeptness at solving complex client issues. Her career prior to joining Morgan Stanley includes significant experience with major financial institutions such as Merrill Lynch, Citigroup Global Market, and Fifth Third Securities.
Outside of her professional life, Vivian is a dedicated wife to James, a mother of four, and a grandmother to nine. She enjoys spending her free time with her family, engaging in activities with her church, and pursuing hobbies such as cooking, reading, and occasional travel.
Vivian demonstrates exceptional client service skills, her prompt responsiveness to client inquiries, and her adeptness at solving complex client issues. Her career prior to joining Morgan Stanley includes significant experience with major financial institutions such as Merrill Lynch, Citigroup Global Market, and Fifth Third Securities.
Outside of her professional life, Vivian is a dedicated wife to James, a mother of four, and a grandmother to nine. She enjoys spending her free time with her family, engaging in activities with her church, and pursuing hobbies such as cooking, reading, and occasional travel.
Contact Bartosz Bak
Contact Tyler Van Lul
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact The True Horizon 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’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3When 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.
4Morgan 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.
5Alternative 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.
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.
7Morgan 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.
8Morgan 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning 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
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’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3When 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.
4Morgan 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.
5Alternative 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.
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.
7Morgan 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.
8Morgan 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
