James P. Russo
The Russo Group at Morgan Stanley
Direct:
(425) 202-0642(425) 202-0642
Toll-Free:
(800) 733-6650(800) 733-6650
Our Mission Statement
To deliver excellence in:
- Ideas
- Strategy
- Execution
- Ideas
- Strategy
- Execution
Our Story and Services
We are a skilled and experienced team serving the specialized needs and concerns of affluent families. We work with intelligent and thoughtful people who are looking for investment guidance from a highly capable and compassionate team with considerable knowledge and experience. We can address your family’s unique dynamics, values and priorities with powerful, bespoke solutions.
We feel our substantial industry credentials and applied knowledge of behavioral finance give us an added advantage. Not only do our designations represent our dedication to continually evolving, but they provide us with deeper and broader insights. We don’t make assumptions. When we sit down together to talk, we aim to get to the heart of what’s truly important in your life. We focus on the well-being of your entire family, knowing that every decision we make together may impact many people. In this capacity, our skills extend beyond investments and portfolio management to help you think through financial decisions in the context of:
• The dynamics of changing family structures and roles
• Multigenerational and extended family circumstances
• Generational views on investing and the use of wealth
As a team, we value loyalty to each other, to our firm and, most of all, to our clients. Our deep market understanding, broad experience and applied knowledge of behavioral finance help us to steer our clients through the constantly changing financial landscape. We work to address your family’s long term objectives while also anticipating the minutiae of your financial needs on a day-to-day basis. By helping you to simplify where it’s sensible and to manage effectively where life is complex, we support you and your family members to live as you choose
We feel our substantial industry credentials and applied knowledge of behavioral finance give us an added advantage. Not only do our designations represent our dedication to continually evolving, but they provide us with deeper and broader insights. We don’t make assumptions. When we sit down together to talk, we aim to get to the heart of what’s truly important in your life. We focus on the well-being of your entire family, knowing that every decision we make together may impact many people. In this capacity, our skills extend beyond investments and portfolio management to help you think through financial decisions in the context of:
• The dynamics of changing family structures and roles
• Multigenerational and extended family circumstances
• Generational views on investing and the use of wealth
As a team, we value loyalty to each other, to our firm and, most of all, to our clients. Our deep market understanding, broad experience and applied knowledge of behavioral finance help us to steer our clients through the constantly changing financial landscape. We work to address your family’s long term objectives while also anticipating the minutiae of your financial needs on a day-to-day basis. By helping you to simplify where it’s sensible and to manage effectively where life is complex, we support you and your family members to live as you choose
Services Include
- Asset Management
- Endowments and FoundationsFootnote1
- Estate Planning StrategiesFootnote2
- Financial PlanningFootnote3
- Philanthropic Services
- Planning for Individuals with Special Needs
- Professional Portfolio ManagementFootnote4
- Trust Services*
- Wealth Consulting
- Wealth ManagementFootnote5
- Stock Plan ServicesFootnote6
- Corporate Retirement PlansFootnote7
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Navigating Change
Most often, the people we serve find us for the first time when they’re in the middle of an important life transition, such as a birth, death, career shift, health issue, the beginning or end of a relationship. Sometimes we discuss the impacts of transitions that are more internal, such as a change in perspective or a shift in priorities. Many financial advisors view these major life events solely from a financial point of view. We’re different. We see lives, not account statements. Specifically, we understand that navigating through times of change involves much more than a series of financial transactions. We meet you where you are and help you feel empowered and able to take your next steps with confidence.
We prefer not to wait until change happens to have those conversations. Our proactive approach means that we can help you:
o Shape the direction of your career and compensation
o Implement plans for your children’s or grandchildren’s educational needs
o Begin to outline your next job move
o Contemplate the provisions of your will
o Understand and negotiate compensation packages
o Prepare for important financial conversations in a family or work setting by supplying you with good questions and talking points
o Think through the geographic location of your retirement years
o Consider your next housing needs
o Ensure your most valuable assets are properly covered in the case of severe weather conditions or any damage
o Move towards resolution of conflicting goals with confidence
Often, preparing for those major life events require advice from more than one advisor. As a team, we have worked seamlessly with our clients’ attorneys, CPAs and other advisors for many years. We draw on our decades of experience advising families, executives and business owners to provide perspective and solve problems that may seem unusual or unique. At the core, we understand how to integrate financial planning with issues of tax, trust, philanthropic, retirement, education and estate planning needs.
We prefer not to wait until change happens to have those conversations. Our proactive approach means that we can help you:
o Shape the direction of your career and compensation
o Implement plans for your children’s or grandchildren’s educational needs
o Begin to outline your next job move
o Contemplate the provisions of your will
o Understand and negotiate compensation packages
o Prepare for important financial conversations in a family or work setting by supplying you with good questions and talking points
o Think through the geographic location of your retirement years
o Consider your next housing needs
o Ensure your most valuable assets are properly covered in the case of severe weather conditions or any damage
o Move towards resolution of conflicting goals with confidence
Often, preparing for those major life events require advice from more than one advisor. As a team, we have worked seamlessly with our clients’ attorneys, CPAs and other advisors for many years. We draw on our decades of experience advising families, executives and business owners to provide perspective and solve problems that may seem unusual or unique. At the core, we understand how to integrate financial planning with issues of tax, trust, philanthropic, retirement, education and estate planning needs.
Awards & Credentials
Credentials matter. They indicate a deep level of knowledge, as well as a dedication to ongoing learning and advanced training, and a commitment to finding the very best solutions.
CFP® (CERTIFIED FINANCIAL PLANNER™). Financial Advisors Jim Russo and Scarlet Kelso earned the CFP® certification mark after undergoing a rigorous accreditation process. Although many professionals may call themselves “financial planners,” only those who have fulfilled the rigorous requirements of the CFP Board can display the CFP® mark. It indicates in-depth knowledge of issues such as the financial planning process, tax planning, retirement planning and estate planning. It also means we have a fluency and ease when talking with your other outside advisors, such as your CPA and attorney.
CFP® (CERTIFIED FINANCIAL PLANNER™). Financial Advisors Jim Russo and Scarlet Kelso earned the CFP® certification mark after undergoing a rigorous accreditation process. Although many professionals may call themselves “financial planners,” only those who have fulfilled the rigorous requirements of the CFP Board can display the CFP® mark. It indicates in-depth knowledge of issues such as the financial planning process, tax planning, retirement planning and estate planning. It also means we have a fluency and ease when talking with your other outside advisors, such as your CPA and attorney.
Forbes Best-In-State Wealth Advisors
James P. Russo, CFP® was named to the Forbes Best-In-State Wealth Advisors ranking list in April 2023.
Selection for this list is based on comprehensive criteria including firm nomination, industry experience and best practices.
2023 Forbes America's Top Wealth Advisors Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22. For criteria & methodology, go to https://www.morganstanley.com/disclosures/awards-disclosure/
Selection for this list is based on comprehensive criteria including firm nomination, industry experience and best practices.
2023 Forbes America's Top Wealth Advisors Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22. For criteria & methodology, go to https://www.morganstanley.com/disclosures/awards-disclosure/
Forbes Best-In-State Wealth Advisors
James P. Russo, CFP® was named to the Forbes Best-In-State Wealth Advisors ranking list in April 2024.
Selection for this list is based on comprehensive criteria including firm nomination, industry experience and best practices.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23. For criteria & methodology, go to (https://www.morganstanley.com/disclosures/awards-disclosure)
Selection for this list is based on comprehensive criteria including firm nomination, industry experience and best practices.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23. For criteria & methodology, go to (https://www.morganstanley.com/disclosures/awards-disclosure)
Forbes Best-In-State Wealth Management Teams
The Russo Group was named to the Forbes Best-In-State Wealth Management Teams ranking list in Jan 2025.
Selection for this list is based on comprehensive criteria including firm nomination, industry experience and best practices.
2025 Forbes Best-In-State Wealth Management Teams
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 : https://www.morganstanley.com/disclosures/awards-disclosure/
Selection for this list is based on comprehensive criteria including firm nomination, industry experience and best practices.
2025 Forbes Best-In-State Wealth Management Teams
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 : https://www.morganstanley.com/disclosures/awards-disclosure/
Forbes Best-In-State Wealth Advisors
James P. Russo, CFP® was named to the Forbes Best-In-State Wealth Advisors ranking list in April 2025.
Selection for this list is based on comprehensive criteria including firm nomination, industry experience and best practices.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC based on time period from 6/30/23 - 6/30/24. For criteria & methodology, go to (https://www.morganstanley.com/disclosures/awards-disclosure)
Selection for this list is based on comprehensive criteria including firm nomination, industry experience and best practices.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC based on time period from 6/30/23 - 6/30/24. For criteria & methodology, go to (https://www.morganstanley.com/disclosures/awards-disclosure)
Location
4000 Carillon Point
Ste 600
Kirkland, WA 98033
US
Direct:
(425) 202-0642(425) 202-0642
Toll-Free:
(800) 733-6650(800) 733-6650
Meet The Russo Group
Tom Pryor
Scarlet Kelso
Irena Romanyuk
Wealth Management Associate
Phone:
(425) 202-0652(425) 202-0652
Cindy Siebers
Client Service Associate
Phone:
(425) 202-0648(425) 202-0648
Hugo Varlamos
Registered Client Service Associate
Phone:
(425) 202-9965(425) 202-9965
About Irena Romanyuk
I am responsible for administrating and executing our team’s recommendations, from establishing accounts and cashiering to scheduling transfers and providing online help to our clients. It is my goal to provide quick, efficient assistance with professional service and a positive attitude for our clients. As the eldest girl of nine children growing up, I have enjoyed the role of using my skills and talents to serve the group’s needs from an early age.
Prior to joining Morgan Stanley in 2008, I worked at another financial firm.
I grew up in Lithuania and moved to the U.S. at 13 years old. Outside of work I have an active church life and, in my spare time, I enjoy traveling and spending time with my family, friends and Peanut, my beloved bichon frise.
Prior to joining Morgan Stanley in 2008, I worked at another financial firm.
I grew up in Lithuania and moved to the U.S. at 13 years old. Outside of work I have an active church life and, in my spare time, I enjoy traveling and spending time with my family, friends and Peanut, my beloved bichon frise.
About Cindy Siebers
Cindy joined Morgan Stanley in 2021 after returning to her hometown of Snohomish, where her family resides, after living on the Peninsula for 10 years. During her time on the Peninsula, she worked at two local golf clubs where she held roles as both a bookkeeper and assistant golf pro.
Cindy is a proud mother of two: Breanna, a 2022 graduate of Washington State University, who works in the medical field, and Bobby, a college student and basketball player. She enjoys spending her free time traveling with her children and family, being by the ocean, and is an avid Seahawks fan.
Cindy is excited to continue learning and growing into her role with The Russo Group.
Cindy is a proud mother of two: Breanna, a 2022 graduate of Washington State University, who works in the medical field, and Bobby, a college student and basketball player. She enjoys spending her free time traveling with her children and family, being by the ocean, and is an avid Seahawks fan.
Cindy is excited to continue learning and growing into her role with The Russo Group.
About Hugo Varlamos
Growing up as a Seattle native, I have learned and developed the value of hard work and service at an early age -- beginning at just 12 years old helping at my family’s restaurant, Varlamos Pizzeria. I have had the privilege of living in a vast Greek community in the Greater Seattle area, which has taught me the value of community, building relationships, and providing exceptional service. I graduated from the University of Washington in 2024 and am a proud Husky. Away from work I like to spend my time with family and friends, weightlifting and running, and playing with my French bulldog, Chaka Khan.
I have been with Morgan Stanley for over a year now and am continually looking for opportunity to grow and expand my knowledge in the wealth management industry. I am excited to contribute my skills, background, and dedication to The Russo Group and to serve its ever-important clients with care and commitment.
I have been with Morgan Stanley for over a year now and am continually looking for opportunity to grow and expand my knowledge in the wealth management industry. I am excited to contribute my skills, background, and dedication to The Russo Group and to serve its ever-important clients with care and commitment.
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
Wilson Calansingin
Associate Private Banker
About Wilson Calansingin
Wilson Calansingin is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Washington State.
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.
Wilson began his career in financial services in 2006, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
Wilson is a graduate of Ateneo de Manila University, where he received a Business Management degree with a focus in Finance. He lives in Tacoma, Washington. Outside of the office, Wilson enjoys golfing.
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.
Wilson began his career in financial services in 2006, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
Wilson is a graduate of Ateneo de Manila University, where he received a Business Management degree with a focus in Finance. He lives in Tacoma, Washington. Outside of the office, Wilson enjoys golfing.
NMLS#: 711776
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, 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
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
Wealth Management
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Portfolio Insights
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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
Rational Investing in an Age of Uncertainty
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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
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
Small Business Retirement Plans
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Ready to start a conversation? Contact The Russo Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan 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.
2Morgan 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.
3Morgan 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.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5Morgan Stanley 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.
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.
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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan 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.
2Morgan 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.
3Morgan 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.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5Morgan Stanley 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.
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.
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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
