Suzanne Weiser
Vice President, Financial Advisor, Financial Planning Specialist, Portfolio Management Director
Phone:
(203) 967-7036(203) 967-7036
The Weiser Group at Morgan Stanley
Direct:
(203) 326-6978(203) 326-6978
Toll-Free:
(800) 233-2353(800) 233-2353
Our Mission Statement
Aim to become your trusted team of advisors, delivering objective guidance and tailored solutions to help achieve all your family's financial goals
Our Story and Services
Wealth Management for Life
As the financial world becomes more complex, careful planning and tailored, objective advice becomes even more important to achieving your goals. Having a seasoned advisory team on your side can help simplify your financial life, so you can spend more time enjoying the wealth you’ve worked so hard to achieve.
At The Weiser Group, we offer a personalized approach to wealth management. Since 1984, we have been serving the specialized needs of high net worth families, professionals and business owners in Stamford and across the country. We have acquired the knowledge and skills necessary to serve as your single point of contact. Above all, as a family advisory practice, we offer the continuity and a balance of perspectives that help you – and your children – make more informed, confident decisions about your wealth now and in the future.
We believe wealth is about more than investments and how you manage your money. It’s about your life and the people and interests that give your life meaning. Our comprehensive and consultative approach focuses on your full financial picture – from preparing for retirement and caring for aging parents, to gifting strategies for causes important to you.
When you work with us, you will experience a fully-engaged standard of care that prioritizes your best interests and reflects your family values. We are committed to earning your trust and confidence every day through a powerful combination of experience, education and empathy.
At the Weiser Group, we have a "client first mindset." Each conversation allows us to develop a deeper understanding of you and your priorities. We are committed to developing longstanding relationships that can potentially provide value to you and the generations that follow.
Retirement assets, equity compensation and insurance policies should not be managed as separate entities, but as vital components of your overall financial picture. We consult with your accountant, attorney and other professionals to build a cohesive plan to help ensure all your assets are integrated and focused on achieving the same goals.
We believe our clients do best when they fully understand and are comfortable with their investments and how they fit into the bigger picture. Therefore, we are committed to providing ongoing education – in easy-to-understand language.
Our practice is built on the development of deep and enduring relationships and the delivery of comprehensive wealth management services to a broad range of clients:
- Retirees and individuals planning for retirement
- Small business owners and entrepreneurs
- Professionals, including doctors, lawyers and accountants
- Guardians appointed to manage large settlements or estates
-Women seeking guidance for themselves and their family
You can connect with us here: TheWeiserGroup@morganstanley.com
As the financial world becomes more complex, careful planning and tailored, objective advice becomes even more important to achieving your goals. Having a seasoned advisory team on your side can help simplify your financial life, so you can spend more time enjoying the wealth you’ve worked so hard to achieve.
At The Weiser Group, we offer a personalized approach to wealth management. Since 1984, we have been serving the specialized needs of high net worth families, professionals and business owners in Stamford and across the country. We have acquired the knowledge and skills necessary to serve as your single point of contact. Above all, as a family advisory practice, we offer the continuity and a balance of perspectives that help you – and your children – make more informed, confident decisions about your wealth now and in the future.
We believe wealth is about more than investments and how you manage your money. It’s about your life and the people and interests that give your life meaning. Our comprehensive and consultative approach focuses on your full financial picture – from preparing for retirement and caring for aging parents, to gifting strategies for causes important to you.
When you work with us, you will experience a fully-engaged standard of care that prioritizes your best interests and reflects your family values. We are committed to earning your trust and confidence every day through a powerful combination of experience, education and empathy.
At the Weiser Group, we have a "client first mindset." Each conversation allows us to develop a deeper understanding of you and your priorities. We are committed to developing longstanding relationships that can potentially provide value to you and the generations that follow.
Retirement assets, equity compensation and insurance policies should not be managed as separate entities, but as vital components of your overall financial picture. We consult with your accountant, attorney and other professionals to build a cohesive plan to help ensure all your assets are integrated and focused on achieving the same goals.
We believe our clients do best when they fully understand and are comfortable with their investments and how they fit into the bigger picture. Therefore, we are committed to providing ongoing education – in easy-to-understand language.
Our practice is built on the development of deep and enduring relationships and the delivery of comprehensive wealth management services to a broad range of clients:
- Retirees and individuals planning for retirement
- Small business owners and entrepreneurs
- Professionals, including doctors, lawyers and accountants
- Guardians appointed to manage large settlements or estates
-Women seeking guidance for themselves and their family
You can connect with us here: TheWeiserGroup@morganstanley.com
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Women Without Limits
Morgan Stanley Wealth Management is committed to creating opportunities for women in their careers, their wealth planning and their communities. We're closing the gap and helping empower females throughout every stage of their lives, with tangible resources, advice and stories.
Women in Finance
The world moves fast, money moves even faster. Every day new legislation, new events, new fiscal & monetary policies, and new partnerships are announced. These all impact assets and introduce volatility. As money moves around the world based on these global influences, it causes ripples and waves in the financial market. You need an experienced team who can help prepare for the turbulence, so you can feel confident about your future.
Women in Leadership
As a leader and executive, you have the responsibility to guide the business through turbulent changes, and sail through unchartered waters. In the ever expanding business needs, your responsiveness at moment's notice is what leads your organization to become a world leader. As you are preoccupied with these responsibilities, it can be difficult to sort through your own finances. Let us help you with vested shares, concentrated stock positions, 10b5-1, control/restricted stocks, and create investment strategies based on your equity compensation.
Guiding Your Wealth
In many societies, women were the steward, the money manager, the one who control the purse strings for centuries. With your busy life, such as:
caring for your family
your loved ones & friends
even focusing on advancing your career
it becomes incredibly difficult for you to focus on your families taxes, retirement, investments, and other wealth related questions.
Our team focuses on helping you through life's ups and downs, and create an actionable plan to help you cross the finish line.
caring for your family
your loved ones & friends
even focusing on advancing your career
it becomes incredibly difficult for you to focus on your families taxes, retirement, investments, and other wealth related questions.
Our team focuses on helping you through life's ups and downs, and create an actionable plan to help you cross the finish line.
Women in Health
Women bring a variety of unique contributions to healthcare including leadership based on empathy, good communication, and a holistic approach to care. You have shaped policy and practice to improve the well-being of countless individuals, patients, clinicians, and colleagues. So let us shape your financial health by offering a boutique holistic approach best suited for you. From retirement to long term care, your wellbeing in wealth and health is our focus.
Women in Law
You fight in the courts to protect those who cannot do so for themselves. You work hard to right the wrongs and give everyone an equal chance at attaining justice; yet you still have to work even harder for yourself and your loved ones. Let us take up that burden, and work together. While you fight day & night to protect the vulnerable in the courts, we will work to preserve your assets for you and your family.
Women in Sports
In 2024, for the first time, women's elite sports is forecasted to generate a revenue that surpasses $1 billion. (Source: Deloitte) Women Athletes are compensated for over 20% of the revenue generated in professional leagues, increasing the compensation of women athletes around the board. In addition to increasing growth, women also revolutionize the sports itself and selling out arenas. At The Balog Group, our experience and dedication to female athletes extend beyond helping you grow you wealth, but to also aid you in your career and overcome future challenges.
Our disciplined process identifies and implements appropriate solutions to help you accomplish and maintain financial success. Through each step, we provide objective advice and investment insights to construct a wealth management plan that is uniquely yours.
1. Discovery
We begin with a detailed discussion where we listen carefully to what is important to you. We learn about the values that shape your decisions and identify any unique circumstances. We review important financial documents as we define your priorities.
2. Analysis and Recommendations
Here, we review your current and future financial situation, determine the likelihood of reaching your goals and help address the impact of unexpected life events. Based on our comprehensive analysis, we’ll develop and present a detailed action plan with recommendations to help you effectively build, preserve and transfer your wealth.
3. Implementation
As we execute your plan, we set up tools to offer convenient access to your accounts. We’ll schedule ongoing updates and follow up on key items to ensure your plan is implemented as expected.
4. Ongoing Service
We apply a strict due diligence process to evaluate investment performance and set up regular calls to discuss progress towards your goals. In these discussions, we determine if any adjustments are needed, since personal goals and market conditions can change over time.
Digital Tools and Resources
Below are a few of the applications and resources we leverage in working with you. These tools are meant to transform complex financial situations into concise and easily digestible content. In addition, we've provided some helpful insights regarding the markets, our firm's offerings, as well as some timely advice and educational pieces on various elements in finance.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register Today
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit Our Security Center
Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
Morgan Stanley Portfolio Insights
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll Today
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.
Listen to "Thoughts on the Market" Here
On The Markets Monthly Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read "On The Markets" Here
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk PlatformAWARD-WINNING WEALTH MANAGEMENT. FOCUSED ON YOU.
With the guidance of a Morgan Stanley Financial Advisor and the strength of a five-time award-winning wealth management platform<sup> <a href="#wm-disclosure-1" class="Link--underline"> <span class="sr-only">Footnote</span> 1 </a> </sup>, you can build, preserve, and manage your wealth with precision and purpose. For every stage of your financial journey.
Tax-Smart Solutions
Leading tax optimization capabilities\<sup\> \<a href="#wm\-disclosure\-2" class="Link\-\-underline"\> \<span class="sr\-only"\>Footnote\</span\> 2 \</a\> \</sup\> designed to deliver year\-round tax management with an eye toward reducing taxes and boosting after\-tax returns.
Seamless Cash Management Integration
A comprehensive, coordinated strategy with access to competitive yields, flexible financing options, and exclusive cash management resources.
Premier Risk Management and Cyber Defense
Industry\-acclaimed risk management tools\<sup\> \<a href="#wm\-disclosure\-3" class="Link\-\-underline"\> \<span class="sr\-only"\>Footnote\</span\> 3 \</a\> \</sup\> to help drive smarter portfolio decisions. In\-house team of cybersecurity experts dedicated to help protect you from cyber threats.
Personalized Legacy Planning
Guidance from experienced professionals across estate, trust, philanthropy, and financial planning to help preserve and grow your legacy.
An Industry-Leading Platform
Expert insights from 500+ equity analysts to help unlock your portfolio's potential and investment guidance.
Liquidity When You Need It
Industry\-leading securities\-based lending solutions to help access liquidity without selling assets or disrupting your investment strategy.\<sup\> \<a href="#wm\-disclosure\-4" class="Link\-\-underline"\> \<span class="sr\-only"\>Footnote\</span\> 4 \</a\> \</sup\>
Robust Concentrated Stock Solutions
Powerful tools and strategies to help manage concentrated stock positions and look to optimize portfolio outcomes.
Alternatives & Private Markets Access
A comprehensive alternative investments platform offering tailored solutions, early access to select offerings, and competitive pricing structures. Exclusive private market and pre\-IPO opportunities that were previously reserved for institutions.
Location
4 Landmark Square
2nd Floor
Stamford, CT 06901
US
Direct:
(203) 326-6978(203) 326-6978
Toll-Free:
(800) 233-2353(800) 233-2353
Meet The Weiser Group
Andre Weiser, CPM®, CFP®
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(203) 967-7103(203) 967-7103
Santo Borsellino
First Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(203) 326-6932(203) 326-6932
Nicholas Gallucci
Financial Advisor
Phone:
(203) 326-6978(203) 326-6978
Carrie Artuso
Wealth Management Associate
Phone:
(203) 967-7096(203) 967-7096
About Suzanne Weiser
Suzanne is an experienced Financial Advisor, Financial Planning Specialist and founding partner of The Weiser Group. Her practice includes professionals, families and business owners, with a particular emphasis on women managing life-changing events, such as divorce or the loss of a spouse. Her approach includes the development of a tailored wealth management plan and a commitment to ongoing education and outstanding service.
After building a successful career in insurance marketing, Suzanne determined it was time to help individuals more directly. She spoke with her brother, Andre, a successful Financial Advisor with Morgan Stanley, and made the decision to follow a similar path. She joined Morgan Stanley in Mt. Laurel, NJ, in 1999 before joining him in Stamford in 2001 and officially formed The Weiser Group.
Since then, Suzanne has built a successful practice educating and advising clients on how to better understand and manage their total financial picture. She believes investing should be based on a strategy that is easy to understand and easy to implement. Through a goals-based process and world-class resources, Suzanne works diligently to provide clients with clarity and confidence about their finances, so they can invest their time on the people and activities that bring their lives joy.
Suzanne currently resides in Greenwich, CT. She volunteers at the American Cancer Society, supports the Coventry House in Stamford, as well as several other charitable activities sponsored by Morgan Stanley. An avid golfer, Suzanne is a member of the Greenwich Women’s Golf Club. She also practices yoga, is a dedicated Pickleball player, enjoys cooking, baking and the occasional game of Mahjong. Suzanne is also fluent in French.
After building a successful career in insurance marketing, Suzanne determined it was time to help individuals more directly. She spoke with her brother, Andre, a successful Financial Advisor with Morgan Stanley, and made the decision to follow a similar path. She joined Morgan Stanley in Mt. Laurel, NJ, in 1999 before joining him in Stamford in 2001 and officially formed The Weiser Group.
Since then, Suzanne has built a successful practice educating and advising clients on how to better understand and manage their total financial picture. She believes investing should be based on a strategy that is easy to understand and easy to implement. Through a goals-based process and world-class resources, Suzanne works diligently to provide clients with clarity and confidence about their finances, so they can invest their time on the people and activities that bring their lives joy.
Suzanne currently resides in Greenwich, CT. She volunteers at the American Cancer Society, supports the Coventry House in Stamford, as well as several other charitable activities sponsored by Morgan Stanley. An avid golfer, Suzanne is a member of the Greenwich Women’s Golf Club. She also practices yoga, is a dedicated Pickleball player, enjoys cooking, baking and the occasional game of Mahjong. Suzanne is also fluent in French.
Securities Agent: KY, IL, HI, GA, WV, TN, SC, RI, MA, IN, NV, DE, CT, DC, UT, NC, MD, IA, NJ, NH, MN, ID, OH, MO, AZ, WY, VT, TX, PR, PA, OR, NY, MI, ME, KS, CO, WI, FL, CA, AR, WA, VA, NE; General Securities Representative; Investment Advisor Representative
NMLS#: 187151
NMLS#: 187151
About Andre Weiser
Andre is proud to be a vital member of Morgan Stanley’s history for more than 39 years. This rare tenure has enabled him to build longstanding relationships with the firm’s senior leaders, providing his clients with immediate access to the full scope of Morgan Stanley’s intellect and global resources. Andre enjoys helping clients simplify their financial lives, so they may enjoy the wealth they have created and leave the legacy they desire.
Born in Cairo, Egypt, Andre moved to the U.S. when he was eight years old. Upon graduating from Syracuse University, he worked at General Motors. It was there he made a life-changing decision to pursue a career that combines two important passions: helping people and solving problems. Andre joined Morgan Stanley in 1984 and immediately began to understand how his guidance as a financial advisor could make a profound difference on the quality of the lives of his clients.
Andre is committed to professional development. He earned his M.B.A. from Iona College, his Certified Portfolio Management (CPM®) certification from Columbia University and the prestigious CERTIFIED FINANCIAL PLANNING (CFP®) designation from the Certified Financial Planner Board of Standards. Andre is a member of the Academy of Certified Portfolio Managers and the Portfolio Managers Institute, where he also served as a Board member from 2008 to 2011.
Andre resides in New Rochelle, NY and also spends time on the east end of Long Island where he is involved with the East End Classic Boat Society in Amagansett and the East End Arts Council in Riverhead. Andre and his spouse and business partner Amy have two daughters who are graduates of Binghamton University. Outside of the office, Andre enjoys collecting and restoring motorcycles and wooden boats, partakes in black and white photography, and enjoys cooking for family and friends. Andre also speaks fluent French.
Born in Cairo, Egypt, Andre moved to the U.S. when he was eight years old. Upon graduating from Syracuse University, he worked at General Motors. It was there he made a life-changing decision to pursue a career that combines two important passions: helping people and solving problems. Andre joined Morgan Stanley in 1984 and immediately began to understand how his guidance as a financial advisor could make a profound difference on the quality of the lives of his clients.
Andre is committed to professional development. He earned his M.B.A. from Iona College, his Certified Portfolio Management (CPM®) certification from Columbia University and the prestigious CERTIFIED FINANCIAL PLANNING (CFP®) designation from the Certified Financial Planner Board of Standards. Andre is a member of the Academy of Certified Portfolio Managers and the Portfolio Managers Institute, where he also served as a Board member from 2008 to 2011.
Andre resides in New Rochelle, NY and also spends time on the east end of Long Island where he is involved with the East End Classic Boat Society in Amagansett and the East End Arts Council in Riverhead. Andre and his spouse and business partner Amy have two daughters who are graduates of Binghamton University. Outside of the office, Andre enjoys collecting and restoring motorcycles and wooden boats, partakes in black and white photography, and enjoys cooking for family and friends. Andre also speaks fluent French.
Securities Agent: KS, CO, AR, NV, ID, UT, HI, DC, NY, NE, MO, IL, GA, DE, OR, NC, IA, PR, CA, NJ, NH, WA, PA, KY, IN, CT, WY, WI, VT, TN, OH, FL, AZ, WV, VA, SC, RI, MD, MA, TX, MN, MI, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 175798
NMLS#: 175798
About Santo Borsellino
Santo brings with him nearly thirty years of business, finance and financial services experience. Having worked in numerous capacities in the financial services industry, Santo provides a comprehensive level of service and perspective.
A graduate of Pace University’s Lubin School of Business with a B.A. in public accounting, Santo began his career as a mutual fund accountant with Dean Witter tracking day to day operations of various funds as well as internal audits of fund prospectuses. He then spent three years with Furman Selz, a boutique institutional trading firm, where he tracked firm trading activity and provided risk analysis for trading accounts covering: equities, fixed income, derivatives, foreign currency, and convertible arbitrage. In 1997, he left Wall Street to run a family owned mortgage company where for the next 13 years provided financing for thousands of residential as well as commercial clients. During that time the company received numerous industry awards and maintained a preferred broker status with the nation’s top lending institutions, a designation reserved for only five percent of industry brokers. In 2010, Santo began his work with Guardian Life Insurance Company. There, his focus was on wealth and estate protection through life, health, disability, and long-term care planning.
The final transition to Morgan Stanley has brought Santo full circle. His extensive experience with banking and investment institutions along with his acumen for working with families as well as businesses makes for a truly comprehensive level of service his clients can rely on.
Santo lives in northern Westchester with his two children. Outside the office Santo enjoys hiking, cross training and all outdoor activities.
A graduate of Pace University’s Lubin School of Business with a B.A. in public accounting, Santo began his career as a mutual fund accountant with Dean Witter tracking day to day operations of various funds as well as internal audits of fund prospectuses. He then spent three years with Furman Selz, a boutique institutional trading firm, where he tracked firm trading activity and provided risk analysis for trading accounts covering: equities, fixed income, derivatives, foreign currency, and convertible arbitrage. In 1997, he left Wall Street to run a family owned mortgage company where for the next 13 years provided financing for thousands of residential as well as commercial clients. During that time the company received numerous industry awards and maintained a preferred broker status with the nation’s top lending institutions, a designation reserved for only five percent of industry brokers. In 2010, Santo began his work with Guardian Life Insurance Company. There, his focus was on wealth and estate protection through life, health, disability, and long-term care planning.
The final transition to Morgan Stanley has brought Santo full circle. His extensive experience with banking and investment institutions along with his acumen for working with families as well as businesses makes for a truly comprehensive level of service his clients can rely on.
Santo lives in northern Westchester with his two children. Outside the office Santo enjoys hiking, cross training and all outdoor activities.
Securities Agent: TN, OH, MN, IA, NH, MA, IN, ID, AR, WY, VA, PR, CA, AZ, SC, NV, NC, MI, ME, IL, HI, FL, WV, OR, NE, KY, DC, CO, UT, GA, TX, RI, NJ, MD, DE, NY, WA, PA, KS, CT, MO, WI, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 65346
NMLS#: 65346
About Nicholas Gallucci
Securities Agent: RI, IA, PA, OK, ME, KY, WY, WI, PR, NJ, NC, ID, HI, AZ, SD, MA, LA, KS, VA, NV, MT, MD, TX, CT, WV, TN, OR, NY, IN, CO, NH, MN, GA, FL, DE, WA, SC, NM, CA, AR, UT, MO, DC, VT, OH, NE, MI, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 2846285
NMLS#: 2846285
About Carrie Artuso
Carrie Artuso is a Wealth Management Associate with The Weiser Group at Morgan Stanley in Stamford, Connecticut, where she partners closely with the team’s Financial Advisors to support client servicing and help deliver a seamless day-to-day experience. Carrie is known for her responsive approach, strong attention to detail, and consistent follow-through.
Carrie began her career in the wealth management industry as a Client Service Associate at Ameriprise. In 2023, she joined Morgan Stanley at the Purchase location as a Registered Client Service Associate, further strengthening her experience supporting clients and advisors in a fast-paced branch environment. In April 2026, Carrie joined The Weiser Group in Stamford as a Wealth Management Associate, where she is excited to expand her involvement in client relationships and contribute to the team’s commitment to high-quality service.
Carrie earned a B.S. in Marketing from the Pace University Lubin School of Business and an M.S. in Education from Manhattanville College.
Outside of the office, Carrie resides in Westchester, NY and spends time on the coastline of New England, where she enjoys boating and fishing. She is a proud mother of three daughters—one a graduate of Marist University, one currently attending the University of Virginia, and her youngest a senior in high school. Carrie enjoys hiking, gardening, golfing, cooking, and spending time with her daughters. Together, they also volunteer at local food pantries and support various charities through their church community.
Carrie began her career in the wealth management industry as a Client Service Associate at Ameriprise. In 2023, she joined Morgan Stanley at the Purchase location as a Registered Client Service Associate, further strengthening her experience supporting clients and advisors in a fast-paced branch environment. In April 2026, Carrie joined The Weiser Group in Stamford as a Wealth Management Associate, where she is excited to expand her involvement in client relationships and contribute to the team’s commitment to high-quality service.
Carrie earned a B.S. in Marketing from the Pace University Lubin School of Business and an M.S. in Education from Manhattanville College.
Outside of the office, Carrie resides in Westchester, NY and spends time on the coastline of New England, where she enjoys boating and fishing. She is a proud mother of three daughters—one a graduate of Marist University, one currently attending the University of Virginia, and her youngest a senior in high school. Carrie enjoys hiking, gardening, golfing, cooking, and spending time with her daughters. Together, they also volunteer at local food pantries and support various charities through their church community.
Securities Agent: RI, IA, PA, OK, ME, KY, WY, WI, PR, NJ, NC, ID, HI, AZ, SD, MA, LA, KS, VA, NV, MT, MD, TX, CT, WV, TN, OR, NY, IN, CO, NH, MN, GA, FL, DE, WA, SC, NM, CA, AR, UT, MO, DC, VT, OH, NE, MI, IL; General Securities Representative; Investment Advisor Representative
Contact Suzanne Weiser
Contact Andre Weiser
Contact Santo Borsellino
Contact Nicholas Gallucci
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
Article Image
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact The Weiser Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4When 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.
5Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
Please read the important disclosures below.
1) Morgan Stanley Wealth Management secured Money Management Institute/Barron’s Industry Awards for Wealth Manager Platform of the Year. The Wealth Manager Platform of the Year category recognizes a wealth manager platform that exemplifies innovation in delivering better outcomes for investors and Financial Advisors. This award has been secured in 2024, 2021, 2020, 2019 & 2018. The winners were selected by a specially appointed MMI Industry Awards Steering Council. The Steering Council consists of representatives from all segments of the MMI membership. After carefully reviewing the nominations submitted, the Steering Council determined a slate of finalists in each award category. The primary contacts at each of MMI’s 207 member firms were eligible to vote to determine the winners. Nominations were reviewed and evaluated to determine finalists June 2024 - July 2024. Finalists were voted on to determine a winner August 2024. MMI/Barron’s does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to MMI/Barron’s in exchange for its receipt of the award. Morgan Stanley is a member of MMI and pays a fee to MMI as part of its membership dues. Morgan Stanley’s receipt of this award is not indicative of any future performance. These awards were granted to Morgan Stanley based on the time period from October 2023 to June 2024. There were 6 firms considered for the Wealth Management Platform of the Year Award and 12 firms considered for the Distribution Excellence Award. The Money Management Institute (MMI) is the industry association representing financial services firms and Barron’s is a financial magazine; both groups are responsible for the award. Accolade qualifications for past years may vary; additional information available upon request.
2) Industry’s top tax-optimization technology refers to tax management capabilities developed by Eaton Vance and Parametric, affiliates of Morgan Stanley. Morgan Stanley is a leading provider of direct indexing strategies. According to Cerulli Associates’ Q1 2026 Managed Account Edition, Morgan Stanley ranked first among 15 firms in Direct Index SMA assets under management based on reported industry assets. The ranking reflects scale of assets and does not evaluate tax outcomes, performance, or quality of technology. Tax outcomes will vary and are not guaranteed.
3) The Celent Model Wealth Manager 2025 Awards for Data and Analytics and Essential and Emerging Technologies were granted to Morgan Stanley following an evaluation process conducted by Celent analysts. To be considered for this award, Morgan Stanley submitted Model Wealth Manager 2025 Nomination Award Worksheets to Celent on or about January 30, 2025. Celent judged each submission on three criteria: (1) Measurable business benefits of live initiatives; (2) degree of innovation relative to the industry; and (3) technology or implementation excellence. In order to win, the initiatives must demonstrate clear business benefits, innovation, and technology or implementation excellence. Celent does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to Celent in exchange for the award. Morgan Stanley is not affiliated with Celent. Based on their submission on January 30, 2025 for Celent’s 2025 Model Awards program, Celent granted Morgan Stanley their awards in June, 2025 and publicly shared the news in June, 2025. Celent is a global financial services research and advisory firm and is responsible for determining the recipient of this award.
4) Q4 2025 Securities Based Lending McLagan Survey – 6 Firm Report. Based on both Non-Purpose Lending and total SBL balances. Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss.
Not all products, tools, platforms, and services referenced are available to all clients. Please speak with your Financial Advisor for eligibility criteria.
Investing in securities involves risk, including possible loss of principal. Diversification does not guarantee a profit or protect against loss in a declining financial market.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.
Cash management and lending products and services are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures below.
Important Risk Information for Securities Based Lending: Clients must be aware that: (1) Sufficient collateral must be maintained to support the loan and to take future advances; (2) Clients may have to deposit additional cash or eligible securities on short notice; (3) Some or all of the pledged securities may be sold without prior notice in order to maintain account equity at required collateral maintenance levels. Clients will not be entitled to choose the securities that will be sold. These actions may interrupt long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as "Morgan Stanley") reserve the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase the collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason.
With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan.
Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
There is no guarantee that tax-loss harvesting will achieve any particular tax result. Clients may elect Tax Management Services for the account by notifying their Financial Advisor, and indicate what Maximum Tax or Realized Capital Gain Instruction is desired for the account, if any. The Tax Management Services Terms and Conditions attached to the Morgan Stanley Smith Barney LLC Select UMA ADV brochure as Exhibit A will govern Tax Management Services in the account. Review the Morgan Stanley Smith Barney LLC Select UMA ADV brochure carefully with your tax advisor.
Industry acclaimed risk platform refers to Morgan Stanley Smith Barney LLC’s (“Morgan Stanley”) Portfolio Risk Platform. The assumptions used in the Report incorporate portfolio risk and scenario analysis employed by BlackRock Solutions (“BRS”), a financial technology and risk analytics provider that is independent of Morgan Stanley. BRS’ role is limited to providing risk analytics to Morgan Stanley, and BRS is not acting as a broker-dealer or investment adviser nor does it provide investment advice with respect to the Report. Morgan Stanley has validated and adopted the analytical conclusions of these risk models. The analysis provided is illustrative only. Morgan Stanley cannot predict a portfolio’s risk of loss due to, among other things, changing market conditions or other unanticipated circumstances. The analysis is based purely on assumptions made using available data and any of its forecasts are subject to change.
The footnotes below apply to the industry-leading claims referenced above. More information is available upon request.
Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Investment, Insurance and annuity products offered through Morgan Stanley Smith Barney LLC are NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please visit us at www.morganstanley.com/wealth or consult with your Morgan Stanley Financial Advisor to read about those differences.
The sole purpose of this material is to inform, and it in no way is intended to be an offer or solicitation to purchase or sell any security, other investment service, or to attract any funds or deposits. Investments mentioned may not be appropriate for all clients. Before making any investment, each investor should carefully consider the risks associated with the investment, as discussed in the applicable offering memorandum and make a determination based on their own particular circumstances that the investment is consistent with their investment objectives and risk tolerance.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
1Morgan Stanley 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4When 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.
5Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
Please read the important disclosures below.
1) Morgan Stanley Wealth Management secured Money Management Institute/Barron’s Industry Awards for Wealth Manager Platform of the Year. The Wealth Manager Platform of the Year category recognizes a wealth manager platform that exemplifies innovation in delivering better outcomes for investors and Financial Advisors. This award has been secured in 2024, 2021, 2020, 2019 & 2018. The winners were selected by a specially appointed MMI Industry Awards Steering Council. The Steering Council consists of representatives from all segments of the MMI membership. After carefully reviewing the nominations submitted, the Steering Council determined a slate of finalists in each award category. The primary contacts at each of MMI’s 207 member firms were eligible to vote to determine the winners. Nominations were reviewed and evaluated to determine finalists June 2024 - July 2024. Finalists were voted on to determine a winner August 2024. MMI/Barron’s does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to MMI/Barron’s in exchange for its receipt of the award. Morgan Stanley is a member of MMI and pays a fee to MMI as part of its membership dues. Morgan Stanley’s receipt of this award is not indicative of any future performance. These awards were granted to Morgan Stanley based on the time period from October 2023 to June 2024. There were 6 firms considered for the Wealth Management Platform of the Year Award and 12 firms considered for the Distribution Excellence Award. The Money Management Institute (MMI) is the industry association representing financial services firms and Barron’s is a financial magazine; both groups are responsible for the award. Accolade qualifications for past years may vary; additional information available upon request.
2) Industry’s top tax-optimization technology refers to tax management capabilities developed by Eaton Vance and Parametric, affiliates of Morgan Stanley. Morgan Stanley is a leading provider of direct indexing strategies. According to Cerulli Associates’ Q1 2026 Managed Account Edition, Morgan Stanley ranked first among 15 firms in Direct Index SMA assets under management based on reported industry assets. The ranking reflects scale of assets and does not evaluate tax outcomes, performance, or quality of technology. Tax outcomes will vary and are not guaranteed.
3) The Celent Model Wealth Manager 2025 Awards for Data and Analytics and Essential and Emerging Technologies were granted to Morgan Stanley following an evaluation process conducted by Celent analysts. To be considered for this award, Morgan Stanley submitted Model Wealth Manager 2025 Nomination Award Worksheets to Celent on or about January 30, 2025. Celent judged each submission on three criteria: (1) Measurable business benefits of live initiatives; (2) degree of innovation relative to the industry; and (3) technology or implementation excellence. In order to win, the initiatives must demonstrate clear business benefits, innovation, and technology or implementation excellence. Celent does not receive compensation from the participating firms in exchange for the award and Morgan Stanley did not pay a fee to Celent in exchange for the award. Morgan Stanley is not affiliated with Celent. Based on their submission on January 30, 2025 for Celent’s 2025 Model Awards program, Celent granted Morgan Stanley their awards in June, 2025 and publicly shared the news in June, 2025. Celent is a global financial services research and advisory firm and is responsible for determining the recipient of this award.
4) Q4 2025 Securities Based Lending McLagan Survey – 6 Firm Report. Based on both Non-Purpose Lending and total SBL balances. Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss.
Not all products, tools, platforms, and services referenced are available to all clients. Please speak with your Financial Advisor for eligibility criteria.
Investing in securities involves risk, including possible loss of principal. Diversification does not guarantee a profit or protect against loss in a declining financial market.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.
Cash management and lending products and services are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Borrowing against securities may not be appropriate for everyone. Clients must be aware that there are risks associated with a securities based loan, including possible maintenance calls on short notice, and that market conditions can magnify any potential for loss. For details please see the important disclosures below.
Important Risk Information for Securities Based Lending: Clients must be aware that: (1) Sufficient collateral must be maintained to support the loan and to take future advances; (2) Clients may have to deposit additional cash or eligible securities on short notice; (3) Some or all of the pledged securities may be sold without prior notice in order to maintain account equity at required collateral maintenance levels. Clients will not be entitled to choose the securities that will be sold. These actions may interrupt long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as "Morgan Stanley") reserve the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase the collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason.
With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade, or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the securities based loan.
Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
There is no guarantee that tax-loss harvesting will achieve any particular tax result. Clients may elect Tax Management Services for the account by notifying their Financial Advisor, and indicate what Maximum Tax or Realized Capital Gain Instruction is desired for the account, if any. The Tax Management Services Terms and Conditions attached to the Morgan Stanley Smith Barney LLC Select UMA ADV brochure as Exhibit A will govern Tax Management Services in the account. Review the Morgan Stanley Smith Barney LLC Select UMA ADV brochure carefully with your tax advisor.
Industry acclaimed risk platform refers to Morgan Stanley Smith Barney LLC’s (“Morgan Stanley”) Portfolio Risk Platform. The assumptions used in the Report incorporate portfolio risk and scenario analysis employed by BlackRock Solutions (“BRS”), a financial technology and risk analytics provider that is independent of Morgan Stanley. BRS’ role is limited to providing risk analytics to Morgan Stanley, and BRS is not acting as a broker-dealer or investment adviser nor does it provide investment advice with respect to the Report. Morgan Stanley has validated and adopted the analytical conclusions of these risk models. The analysis provided is illustrative only. Morgan Stanley cannot predict a portfolio’s risk of loss due to, among other things, changing market conditions or other unanticipated circumstances. The analysis is based purely on assumptions made using available data and any of its forecasts are subject to change.
The footnotes below apply to the industry-leading claims referenced above. More information is available upon request.
Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association or Morgan Stanley Bank, N.A, as applicable.
Investment, Insurance and annuity products offered through Morgan Stanley Smith Barney LLC are NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please visit us at www.morganstanley.com/wealth or consult with your Morgan Stanley Financial Advisor to read about those differences.
The sole purpose of this material is to inform, and it in no way is intended to be an offer or solicitation to purchase or sell any security, other investment service, or to attract any funds or deposits. Investments mentioned may not be appropriate for all clients. Before making any investment, each investor should carefully consider the risks associated with the investment, as discussed in the applicable offering memorandum and make a determination based on their own particular circumstances that the investment is consistent with their investment objectives and risk tolerance.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 4665150 (8/2025), 5378280 (5/2026)
