Joseph Phillips, CFP®
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Family Wealth Director, Alternative Investments Director
Phone:
(617) 570-9222(617) 570-9222
Industry Award WinnerOur Mission Statement
We provide comprehensive, proactive financial stewardship for families of substantial means to help them preserve and enhance wealth.
Our Story and Services
The Walden Pond Group serves families of substantial means with a highly personalized, boutique level of service—operating with unwavering privacy, discretion, and confidentiality, supported by robust cybersecurity designed to protect identity and sensitive financial information. Rooted in our local community, we pair Local Roots with Global Reach by bringing clients the full breadth of Morgan Stanley's worldwide capabilities—grounded in three decades of experience at Morgan Stanley—to deliver objective, customized strategies and differentiated access to alternative solutions, including private markets (subject to eligibility and suitability).
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Experience
Our Team has the extensive experience, specialized training, and resources necessary to help our clients address their unique goals and aspirations. Read below to understand more about our designation and how Morgan Stanley can help achieve your goals.
Certified Financial Planner (CFP®)
The Certified Financial Planner® certification is the standard if excellence in financial planning. CFP professionals meet rigorous education, training, and ethical standards, and are committed to serving their clients best interests today to prepare them for a more secure tomorrow.
Senior Portfolio Management Director (PMD)
The Senior Portfolio Management Director designation allows Financial Advisors to manage investment advisory accounts on a discretionary basis.
Family Wealth Director
The Family Wealth Director designation assists Financial Advisors in providing clients who have a net worth greater than $10 million with a truly differentiated experience, competitive with a multi-family office service platform.
Alternative Investments Director
The Alternative Investments Director designation is for Financial and Private Wealth Advisors specializing in Alternative Investments
Forbes Best-In-State 2024 & 2025
Forbes has just published its annual ranking of the 2025 Best-In-State Wealth Management Teams in Massachusetts and we are pleased to share that our team has been named to the list!
(Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23–3/31/24. Awards Disclosures)
(Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23–3/31/24. Awards Disclosures)
Education
Daniel A. Antoniou
MBA in Financial Planning
Bentley College
MBA in Financial Planning
Bentley College
A Financial Analysis Unique To You
Our standard of care is what makes us unique, and we start with a simple three-step process. It is designed to ensure that your expectations are being met, your concerns are being addressed, and that everything is being accounted for. The financial tools we use to make this happen speak to our wealth management philosophy and investment strategy.
Step 1. Aggregate Assets Through Our Morgan Stanley Online Platform
As a valued client of The Walden Pond Group, we begin with a comprehensive view of your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan. Asset Aggregation allows us to financially advise you on a complete picture, while allowing you to see your everyday finances using a single log in.
Click Here To See The Benefits of Aggregating Your AccountsStep 2: Create and Monitor A Financial Plan
Chances are that the goals you set today will evolve over time. Our process is designed to evolve with them - and with the changing circumstances of your life. Leveraging a sophisticated suit of analytic tools, as well as the extensive resources of Morgan Stanley, we will make sure we can help you take charge of your financial future and achieve your goals.
Click Here To Learn How A Financial Plan Can Help YouStep 3: Utilize Our State-Of-The-Art Risk Evaluation Tool
Morgan Stanley's Portfolio Risk Platform analyzes over 3,000 risk factors, and models what-if scenarios so you can see the potential impacts of hypothetical market shocks. The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management platform to improve the quality transparency and efficiency of the end to end risk management processes for the firm our clients. Our goal is to incorporate this tool with every investment strategy, accounting for any variables or risks in the market.
Click Here To Watch How We Leverage Our Portfolio Risk PlatformWealth stewardship: What It Means For You
At the Walden Pond Group, we use the term “wealth stewardship” to describe our services. But what does that mean exactly? Certainly, it goes well beyond an investment portfolio, though investing is an important part of what we do. Wealth stewardship means understanding and defining your objectives, then providing thoughtful advice on every aspect of your life that involves money, ensuring that each choice aligns with (and advances) your identified strategy. It occurs in sometimes surprising ways:
Wealth preservation
The word “stewardship” suggests the careful, responsible management of a resource entrusted to one’s care. There is a commitment to a long-term view, of preserving the resource for future use and enjoyment. You’ve spent a productive lifetime creating substantial means … it is our role to preserve and enhance that wealth.
Risk mitigation
While risk is part of all financial management, we are particularly attuned to risk mitigation as a strategy to safeguard your wealth. Our experience and knowledge in this area is a benefit to our clients.
Family dynamics and education
As your wealth steward, our responsibility extends across generations. Accordingly, we will engage, educate and coordinate with appropriate members of your family.
Collaboration with other professionals
Families of substantial means work with a number of trusted advisors – attorneys, tax professionals and accountants, for example. As your wealth steward, we act as a quarterback to align their work with your wealth strategy.
Creating and maintaining a legacy
Many of our clients seek to make a meaningful impact on a cherished group or cause. Along with our own experience, we draw on the impressive resources of Morgan Stanley to create strategic legacy opportunities that reflect your priorities.
Start with a goal
Any endeavor, from a business startup to a family outing, is more likely to succeed with a clear plan in place. A plan starts with an endpoint. To achieve your wealth management goals, we must first identify them. This is not just lip service – a goal allows us to estimate a required return on investments, which can help mitigate risk.
Risk is your greatest threat
For clients of substantial means, managing wealth often starts with managing risk. Financial risks include inflation, unforeseen events, macroeconomic factors and others. Our wealth strategies are designed to provide downside protection as well as upside gain. We advocate hedging strategies, for example, and look for downside capture.
Wealth is a family affair
Our family-focused clients think of wealth management across generations. We assist with legacy goals such as trust services and philanthropic strategies. We help educate subsequent generations on proper stewardship of family assets and values. We help manage family dynamics to align family members strategically. Our clients are families, not just individuals.
5 Star service
Quality service is a hallmark of the Walden Pond Group. As a client, you’ll feel confident that your questions will be answered promptly, thoroughly and thoughtfully … that your team is proactive on your behalf, while also respectful of your time … that you’ll get informed advice on any financial decision. We liken it to a 5 Star hotel, where your needs are attended to, often before you even think to ask, so that you are free to enjoy your life.
Investor Resources
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Wealth Education Series
Educational series on Goal Setting and Budgeting; Credit and Debt Management; and Introduction to Investing that demonstrates basic strategies as a starting point for more customized programs depending on your individual goals.
Click here to watch Wealth Education Series
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn more about Total Wealth View
GIC Weekly Research Report
Our Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Click here for the most recent "GIC Weekly" Report
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.
Learn more about Morgan Stanley Online
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.
Click here for the most recent “On the Markets” Report
Goals-Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn more about our approach to Planning
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Check out the latest episode here
Digital Vault
Digital Vault allows you to easily manage and share your important documents. All files are scanned for viruses and malware, and are encrypted while transferred and stored. Access is limited to you and anyone you designate.
Learn more about Digital Vault
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check out the latest episode hereLocation
28 State Street
27th Floor
Boston, MA 02109
US
Direct:
(617) 570-9222(617) 570-9222
105 W View Rd
Floor 5
Colchester, VT 05446
US
Direct:
(617) 570-9222(617) 570-9222
Meet The Walden Pond Group
Daniel A. Antoniou, CFP®
Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(617) 570-9293(617) 570-9293
Evan Kisty
Assistant Vice President, Wealth Management Associate, Financial Planning Specialist
Phone:
(617) 570-9581(617) 570-9581
Scott Lewis
Client Service Associate
Phone:
(802) 652-6010(802) 652-6010
About Joseph Phillips
The founding partner of the Walden Pond Group, Joe helps select individuals and families of substantial means successfully manage their financial lives through their working years and into retirement. His customized financial plans combine investments with comprehensive wealth management strategies, such as wealth transfer, asset protection, family dynamics, and philanthropy.
Joe has been helping clients reach their goals since 1984. He began his career at Lehman Brothers in Boston, later serving as Senior Vice President/Branch Manager in San Francisco. He returned to Boston in 1998 with Morgan Stanley, and was a founding member of the Boston Private Wealth Management office. In 2009, he founded the Walden Pond Group to provide goals-based investment and wealth management.
Joe holds a number of distinctive credentials. He is a Morgan Stanley Family Wealth Director. A Family Wealth Director is a rare distinction, earned by less than 5% of Morgan Stanley’s 16,000 Financial Advisors. The designation is given to advisors who have undergone specialized training to complement their extensive experience working with ultra-high net worth families and is among one of the firm’s most prestigious designations. His Portfolio Management Director title permits him to manage individual discretionary portfolios on a fee basis. Joe holds a CERTIFIED FINANCIAL PLANNER™ designation, the industry’s gold standard for knowledge, experience and integrity. He earned his B.S. in Economics from the University of Vermont, and a graduate of the Certified Investment Management Analyst ®(CIMA) program at the Wharton School of Business at the University of Pennsylvania.
Joe has been helping clients reach their goals since 1984. He began his career at Lehman Brothers in Boston, later serving as Senior Vice President/Branch Manager in San Francisco. He returned to Boston in 1998 with Morgan Stanley, and was a founding member of the Boston Private Wealth Management office. In 2009, he founded the Walden Pond Group to provide goals-based investment and wealth management.
Joe holds a number of distinctive credentials. He is a Morgan Stanley Family Wealth Director. A Family Wealth Director is a rare distinction, earned by less than 5% of Morgan Stanley’s 16,000 Financial Advisors. The designation is given to advisors who have undergone specialized training to complement their extensive experience working with ultra-high net worth families and is among one of the firm’s most prestigious designations. His Portfolio Management Director title permits him to manage individual discretionary portfolios on a fee basis. Joe holds a CERTIFIED FINANCIAL PLANNER™ designation, the industry’s gold standard for knowledge, experience and integrity. He earned his B.S. in Economics from the University of Vermont, and a graduate of the Certified Investment Management Analyst ®(CIMA) program at the Wharton School of Business at the University of Pennsylvania.
Securities Agent: OK, GA, OH, AZ, RI, MO, CT, WA, VA, MD, DC, NJ, SC, IN, TX, NV, NH, CO, VT, PA, ME, CA, NY, MT, IL, FL, NC, MI, MA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 898562
NMLS#: 898562
About Daniel A. Antoniou
With over two decades of experience in the financial services industry, Daniel Antoniou is committed to helping individuals and families with substantial financial portfolios achieve their financial goals. As a key member of the Walden Pond Group, Dan excels in designing personalized financial strategies and managing complex investment portfolios that cater to the distinct needs of his clients.
Dan's career is distinguished by a diverse array of roles at prestigious firms such as Morgan Stanley, LPL Financial, and Raymond James. His experience as a service associate, planning analyst, and financial advisor has provided him with a deep understanding of the financial landscape, allowing him to offer insightful, hands-on guidance. Clients appreciate Dan's approachable demeanor, prompt responsiveness, and unwavering dedication to delivering exceptional results.
A proud alumnus of Bentley University, Dan holds both a Bachelor of Science in Finance and a Master’s degree in Personal Financial Planning. His commitment to excellence is further demonstrated by his attainment of the CERTIFIED FINANCIAL PLANNER™ designation, underscoring his expertise and dedication to ongoing professional development.
Residing in Sherborn with his wife, Bonnie, Dan leads an active lifestyle, enjoying pursuits such as golf, tennis, spending time outdoors with his dogs, and travel. His community involvement includes past service on the Board of Trustees at the 4H Foundation of Massachusetts and fundraising for the Crohn's & Colitis Foundation, reflecting his dedication to giving back.
For those seeking a financial advisor who combines deep industry knowledge with a personal touch, Daniel Antoniou stands ready to be your trusted partner in wealth management.
Securities Agent: MN, WA, NY, DC, VT, TX, MO, MI, IL, AZ, PA, MA, RI, NC, CT, CA, OK, NJ, ME, CO, OH, MD, IN, GA, VA, SC, NH, FL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 898630
CA Insurance License #: 0M72409
Dan's career is distinguished by a diverse array of roles at prestigious firms such as Morgan Stanley, LPL Financial, and Raymond James. His experience as a service associate, planning analyst, and financial advisor has provided him with a deep understanding of the financial landscape, allowing him to offer insightful, hands-on guidance. Clients appreciate Dan's approachable demeanor, prompt responsiveness, and unwavering dedication to delivering exceptional results.
A proud alumnus of Bentley University, Dan holds both a Bachelor of Science in Finance and a Master’s degree in Personal Financial Planning. His commitment to excellence is further demonstrated by his attainment of the CERTIFIED FINANCIAL PLANNER™ designation, underscoring his expertise and dedication to ongoing professional development.
Residing in Sherborn with his wife, Bonnie, Dan leads an active lifestyle, enjoying pursuits such as golf, tennis, spending time outdoors with his dogs, and travel. His community involvement includes past service on the Board of Trustees at the 4H Foundation of Massachusetts and fundraising for the Crohn's & Colitis Foundation, reflecting his dedication to giving back.
For those seeking a financial advisor who combines deep industry knowledge with a personal touch, Daniel Antoniou stands ready to be your trusted partner in wealth management.
Securities Agent: MN, WA, NY, DC, VT, TX, MO, MI, IL, AZ, PA, MA, RI, NC, CT, CA, OK, NJ, ME, CO, OH, MD, IN, GA, VA, SC, NH, FL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 898630
CA Insurance License #: 0M72409
Securities Agent: FL, RI, NC, CT, CA, VT, TX, MO, MI, IL, AZ, PA, MA, OK, NJ, ME, CO, OH, MD, IN, GA, WA, NY, MN, DC, WY, VA, SC, NH, MT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 898630
CA Insurance License #: 0M72409
NMLS#: 898630
CA Insurance License #: 0M72409
About Evan Kisty
Evan’s career in financial services began with a role in the operations department in 2015 and expanded when he was soon invited to join the Walden Pond Group in September 2017. His role within the team continues to evolve as he gains experience and he assumes greater responsibility within the team. Evan regularly assists the preparation of asset management strategies and works closely with the team with to help incorporate new investment themes into client portfolios including proposal generation, implementation, and preparing portfolio performance analysis. On a daily basis, he also handles operational responsibilities for clients such as account maintenance, cash and securities movement, trading, and allocation changes across client portfolios.
Evan’s background in financial services includes both client service and back office support. As a Senior Registered Service Associate in Operations, he helped facilitate client access to the myriad of capabilities at Morgan Stanley.
Evan graduated from the Isenberg School of Management at the University of Massachusetts Amherst with a bachelor’s degree in corporate finance. He is presently working to increase his financial planning acumen through pursuit of the Certified Financial Planner® designation to better serve the Walden Pond Group’s multi-generational families of substantial wealth.
Raised in Marlborough, Massachusetts, Evan is a dedicated New England sports fan and resides in Boston’s Beacon Hill with his wife Laura. He enjoys snowboarding, fishing, politics, playing billiards, traveling, and exploring pubs and restaurants around the city.
*Disclaimer: This role cannot solicit or provide investment advice.
Evan’s background in financial services includes both client service and back office support. As a Senior Registered Service Associate in Operations, he helped facilitate client access to the myriad of capabilities at Morgan Stanley.
Evan graduated from the Isenberg School of Management at the University of Massachusetts Amherst with a bachelor’s degree in corporate finance. He is presently working to increase his financial planning acumen through pursuit of the Certified Financial Planner® designation to better serve the Walden Pond Group’s multi-generational families of substantial wealth.
Raised in Marlborough, Massachusetts, Evan is a dedicated New England sports fan and resides in Boston’s Beacon Hill with his wife Laura. He enjoys snowboarding, fishing, politics, playing billiards, traveling, and exploring pubs and restaurants around the city.
*Disclaimer: This role cannot solicit or provide investment advice.
About Scott Lewis
Scott began his financial services career in 2005 at The Vanguard Group in Malvern, Pennsylvania, where he spent nearly a decade in client-facing and operational roles supporting a high standard of service and process excellence. Throughout his career, he has been recognized for a service-minded approach, strong attention to detail, and the ability to translate complex requests into accurate, timely execution capabilities that are central to best-in-class client associate and operations roles in wealth management.
After leaving Vanguard, Scott and his wife relocated from Philadelphia to Vermont’s Green Mountains and settled in the Burlington area. There, he expanded his experience across the insurance and hospitality industries-further sharpening the responsiveness, follow-through, and relationship skills that clients value when they want their financial lives to feel organized and effortless.
Most recently, Scott served as a Client Service Associate at Hickok & Boardman, where he continued to strengthen the operational “engine” behind the client experience-helping ensure accuracy, consistency, and proactive communication across day-to-day service needs. He is excited to bring this breadth of experience to The Walden Pond Group, partnering with the advisory team to deliver a seamless, high-touch service experience and disciplined operational execution for every client interaction.
Outside of the office, Scott enjoys spending time with his wife, Jamie, and their son, Quinn. You can often find them at Quinn’s baseball games, hiking, and making the most of everything Vermont has to offer.
After leaving Vanguard, Scott and his wife relocated from Philadelphia to Vermont’s Green Mountains and settled in the Burlington area. There, he expanded his experience across the insurance and hospitality industries-further sharpening the responsiveness, follow-through, and relationship skills that clients value when they want their financial lives to feel organized and effortless.
Most recently, Scott served as a Client Service Associate at Hickok & Boardman, where he continued to strengthen the operational “engine” behind the client experience-helping ensure accuracy, consistency, and proactive communication across day-to-day service needs. He is excited to bring this breadth of experience to The Walden Pond Group, partnering with the advisory team to deliver a seamless, high-touch service experience and disciplined operational execution for every client interaction.
Outside of the office, Scott enjoys spending time with his wife, Jamie, and their son, Quinn. You can often find them at Quinn’s baseball games, hiking, and making the most of everything Vermont has to offer.
Contact Joseph Phillips
Contact Daniel A. Antoniou
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2024-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
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
Francesca Scuadroni
Associate Private Banker
Christian Catricala
Private Banker
Van Liao, CFP®
Financial Planning Director, Vice President
Chris Smith
Trust Specialist
Victor Diune
Family Office Resource Generalist
About Francesca Scuadroni
Francesca Scuadroni is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Massachusetts, Vermont, Maine, and New
Hampshire.
Associate Private Bankers partner with Private Bankers and 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.
Francesca began her career in financial services with Morgan Stanley in 2021. Prior to her current role, she was an Associate on the Cash Management Solutions Desk.
Francesca is a graduate of Colgate University, where she received a Bachelor of Arts in English Literature. She lives in Boston, Massachusetts. Outside of the office, Francesca enjoys exploring Boston and the
surrounding New England area. She also enjoys being active and appreciates hiking the scenic state parks in her native area, the Hudson Valley, New York. Francesca is actively involved with the Colgate Rugby Alliance,
which is a volunteer group for Colgate University’s Rugby Program.
Hampshire.
Associate Private Bankers partner with Private Bankers and 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.
Francesca began her career in financial services with Morgan Stanley in 2021. Prior to her current role, she was an Associate on the Cash Management Solutions Desk.
Francesca is a graduate of Colgate University, where she received a Bachelor of Arts in English Literature. She lives in Boston, Massachusetts. Outside of the office, Francesca enjoys exploring Boston and the
surrounding New England area. She also enjoys being active and appreciates hiking the scenic state parks in her native area, the Hudson Valley, New York. Francesca is actively involved with the Colgate Rugby Alliance,
which is a volunteer group for Colgate University’s Rugby Program.
NMLS#: 2496634
About Christian Catricala
Christian Catricala is a Private Banker serving Morgan Stanley Wealth Management offices in Massachusetts, New Hampshire, Maine and Vermont.
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.
Christian began his career in financial services in 2015, and joined Morgan Stanley in 2016 as a Rotational Analyst supporting a variety of divisions in Wealth Management. Prior to being promoted to his current role, he was an Associate Private Banker supporting Wealth Management offices in Boston, Massachusetts.
Christian is a graduate of the Merrimack College, where he received a Bachelor of Science in Accounting and Marketing. He lives in Melrose, Massachusetts with his wife and daughter Isla. Outside of the office, Christian enjoys cooking, traveling, and spending time with his family.
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.
Christian began his career in financial services in 2015, and joined Morgan Stanley in 2016 as a Rotational Analyst supporting a variety of divisions in Wealth Management. Prior to being promoted to his current role, he was an Associate Private Banker supporting Wealth Management offices in Boston, Massachusetts.
Christian is a graduate of the Merrimack College, where he received a Bachelor of Science in Accounting and Marketing. He lives in Melrose, Massachusetts with his wife and daughter Isla. Outside of the office, Christian enjoys cooking, traveling, and spending time with his family.
NMLS#: 1773684
About Van Liao
Van Liao is a vice president and financial planning director serving Morgan Stanley Wealth Management offices in Boston, MA. She is responsible for helping financial advisors with their clients’ and prospects’ financial planning needs.
Van began her career in financial services in 2006 and joined Morgan Stanley in 2022. Prior to her current position, she was the senior financial planning consultant at Citizens Securities, Inc., working closely with financial advisors and their clients to achieve financial success through a holistic approach of financial planning. Before joining Citizens Securities, Inc., Van was with LPL Financial as a senior financial planning consultant, where she coached over 3,800 advisors to create comprehensive, client-focused financial plans. Van also spent about six years at Wells Fargo Family Wealth, where she collaborated with financial advisors and investment professionals to provide specialized advisory services to high- and ultra-high-net-worth families and business owners.
Van graduated from Clark University with a BA in business management and MS in finance. She also holds her CERTIFIED FINANCIAL PLANNER™ designation. Van is an active member of the Financial Planning Association of New England. She dedicates her time and effort to promoting the planning profession, empowering financial literacy, and building a strong professional community. Van also serves on the Women's Initiative Committee and the DEI Committee, and is an active advocate for women and minorities.
Van is of Chinese descent and was born and raised in Ho Chi Minh City, Vietnam. She speaks fluent Vietnamese and Chinese (both Cantonese and Mandarin). Van believes her multi-cultural background has enriched her life in so many ways, personally and professionally.
Van resides in Quincy, MA, with her family, including her husband, her two boys, and a beautiful Siamese cat, Yoyo. Outside of work, Van enjoys traveling, cooking, and spending precious time with her boys.
DISCLOSURE:
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.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
Van began her career in financial services in 2006 and joined Morgan Stanley in 2022. Prior to her current position, she was the senior financial planning consultant at Citizens Securities, Inc., working closely with financial advisors and their clients to achieve financial success through a holistic approach of financial planning. Before joining Citizens Securities, Inc., Van was with LPL Financial as a senior financial planning consultant, where she coached over 3,800 advisors to create comprehensive, client-focused financial plans. Van also spent about six years at Wells Fargo Family Wealth, where she collaborated with financial advisors and investment professionals to provide specialized advisory services to high- and ultra-high-net-worth families and business owners.
Van graduated from Clark University with a BA in business management and MS in finance. She also holds her CERTIFIED FINANCIAL PLANNER™ designation. Van is an active member of the Financial Planning Association of New England. She dedicates her time and effort to promoting the planning profession, empowering financial literacy, and building a strong professional community. Van also serves on the Women's Initiative Committee and the DEI Committee, and is an active advocate for women and minorities.
Van is of Chinese descent and was born and raised in Ho Chi Minh City, Vietnam. She speaks fluent Vietnamese and Chinese (both Cantonese and Mandarin). Van believes her multi-cultural background has enriched her life in so many ways, personally and professionally.
Van resides in Quincy, MA, with her family, including her husband, her two boys, and a beautiful Siamese cat, Yoyo. Outside of work, Van enjoys traveling, cooking, and spending precious time with her boys.
DISCLOSURE:
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.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
About Chris Smith
Chris Smith is an Executive Director and Head of Morgan Stanley’s Trust Services Group. As a 30-year employee of Morgan Stanley, Chris is responsible for maintaining the “Open Architecture” trustee platform, which consists of thirteen third-party trust companies who can serve in a fiduciary, agency or custodial role for ultra-high-net worth client trust accounts. Chris and the Trust Services Group help Advisors, clients, prospects and the professional community understand the corporate trustee services available through Morgan Stanley and how our corporate trustee partners can be used to provide fiduciary solutions for clients. This involves reviewing trust document and statements as well as analyzing family dynamics. Chris then uses this information to recommend one or more of the firm’s third-party corporate trustee partners to possibly serve as trustee, co-trustee or administrative agent for a client trust account.
Prior to joining Morgan Stanley (Dean Witter), Chris worked in the Retirement Plans department of Prudential Securities and prior to that the District Agency department of Prudential Insurance Company. Chris holds a Bachelor of Arts degree in Communication/Journalism and Psychology from St. John Fisher College in Rochester, NY. He lives in Saratoga Springs, NY with his wife Sharon and two boys, Ryan and Michael and has a passion for golf, skiing and horse racing.
Prior to joining Morgan Stanley (Dean Witter), Chris worked in the Retirement Plans department of Prudential Securities and prior to that the District Agency department of Prudential Insurance Company. Chris holds a Bachelor of Arts degree in Communication/Journalism and Psychology from St. John Fisher College in Rochester, NY. He lives in Saratoga Springs, NY with his wife Sharon and two boys, Ryan and Michael and has a passion for golf, skiing and horse racing.
About Victor Diune
Victor Diune is a Family Office Resources Generalist for Morgan Stanley’s Family Office Resources, covering the Northeast Region. In this capacity, Victor provides specialized expertise to Financial Advisors and their UHNW clients across a broad range of family wealth management issues including; family governance and wealth education, strategic estate and financial planning, philanthropy management and lifestyle advisory. Victor has over 20 years of experience advising wealthy families, business owners, and their children.
Victor has spent the last 22 years at Bank of America/Merrill Lynch. Most recently, he was a Director, Wealth Strategist, working with Merrill Private Wealth Advisors and Financial Advisors, along with their UHNW clients advising them on estate and legacy planning, wealth transfer strategies and philanthropic planning. He was also responsible for developing, consulting and implementing business succession plans as well as providing advice on fiduciary investment management and tax reduction strategies.
Victor received a Bachelor of Arts degree in Political Science from University of Illinois in Urbana-Champaign, received his JD/MBA degree from Suffolk University Law School/Sawyer School of Management, and his LLM in Tax from Boston University School of Law. He holds a Series 7 and 66 securities licenses. He currently lives in Hopkinton, MA with his wife and their 4 children.
Victor has spent the last 22 years at Bank of America/Merrill Lynch. Most recently, he was a Director, Wealth Strategist, working with Merrill Private Wealth Advisors and Financial Advisors, along with their UHNW clients advising them on estate and legacy planning, wealth transfer strategies and philanthropic planning. He was also responsible for developing, consulting and implementing business succession plans as well as providing advice on fiduciary investment management and tax reduction strategies.
Victor received a Bachelor of Arts degree in Political Science from University of Illinois in Urbana-Champaign, received his JD/MBA degree from Suffolk University Law School/Sawyer School of Management, and his LLM in Tax from Boston University School of Law. He holds a Series 7 and 66 securities licenses. He currently lives in Hopkinton, MA with his wife and their 4 children.
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.
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 trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley 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.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
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.
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.
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 trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley 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.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
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.
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Iran Conflict: Seven Takeaways for Investors
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529 Plans: A Powerful Tool to Save for Education
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Financial Planning for Life After Selling a Business
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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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Ready to start a conversation? Contact The Walden Pond 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.
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 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.
5Morgan 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.
6Morgan 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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
8Morgan 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.
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
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 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.
5Morgan 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.
6Morgan 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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
8Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
