Shaun Fitzpatrick, CPWA®
Senior Vice President, Financial Advisor, Senior Portfolio Management Director, Alternative Investments Director
Phone:
(781) 416-2492(781) 416-2492
The Wellesley Horizon Group at Morgan Stanley
Industry Award WinnerOur Mission Statement
The right decisions come easier when guided by advice you can trust, from a team focused on what matters most to you.
Our Story & Services
We believe that as Financial Advisors, we have the ability to assist our clients in making better financial decisions that improve the probability of achieving their own success story. We understand that our clients have worked hard to accumulate their wealth, and we appreciate the responsibility that comes with guiding them and their families.
Through our experience working with business owners, professionals, retirees and their families, we have learned that people often have a similar concern: Will I have enough? Individual goals will vary, but our objective as Financial Advisors is to maximize the impact of wealth in achieving their business, lifestyle, philanthropic and multigenerational objectives.
Comprehensive wealth management goes far beyond investment recommendations. By leveraging the industry-leading resources of Morgan Stanley, we strive to deliver a modern wealth management experience, based on innovative solutions and thoughtful advice.
With over 90 years of combined experience in the industry, our team is designed to bring complementary skills and expertise to deliver an advisory relationship based on trust, communication and service. This enables our clients the freedom to focus on the people and passions in their lives that matter most.
Through our experience working with business owners, professionals, retirees and their families, we have learned that people often have a similar concern: Will I have enough? Individual goals will vary, but our objective as Financial Advisors is to maximize the impact of wealth in achieving their business, lifestyle, philanthropic and multigenerational objectives.
Comprehensive wealth management goes far beyond investment recommendations. By leveraging the industry-leading resources of Morgan Stanley, we strive to deliver a modern wealth management experience, based on innovative solutions and thoughtful advice.
With over 90 years of combined experience in the industry, our team is designed to bring complementary skills and expertise to deliver an advisory relationship based on trust, communication and service. This enables our clients the freedom to focus on the people and passions in their lives that matter most.
Services Include
- Asset Management
- Financial PlanningFootnote1
- Business Succession PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Trust ServicesFootnote4
- Executive Financial ServicesFootnote5
- Stock Option PlansFootnote6
- Cash Management and Lending ProductsFootnote7
- Philanthropic ManagementFootnote8
- Long Term Care InsuranceFootnote9
- Life InsuranceFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
We work with a diverse group of successful individuals and families to simplify and enhance the management of their wealth while aligning strategies with their long-term goals and values.
Through careful team construction, combining skills, experience, and credentials, we focus on providing thoughtful advice and highly personalized service to help meet the unique needs of every client.
Below are some of the clients segments we have dedicated our career to servicing:
- Cash Management & Capital
- Succession & Exit planning
- Tax & Liquidity Strategies
- Intra-Family Transfer Techniques
- Equity Compensation
- Managing a concentrated stock position
- Cash management & Liquidity
- Retirement & "What-If" Planning Scenarios
- College & Education Funding
- Income & Cashflow Analysis
- Retirement & Income planning
- Risk & portfolio management
- Estate Planning Strategies
- Maximizing employee benefits
- Asset Allocation & manager selection
- Insurance & risk management
- Budgeting & Cashflow
- Banking & Lending
- Investment Management
Business Owners
Finding the time to devote to your personal financial life can be overwhelming when you're focused on managing day to day business operations. We help business owners with key strategic needs such as access to capital, plan administration, and a variety of exit strategies, allowing you to continue focusing on your clients, employees, and making your business a success.
Professionals
You've dedicated years to your profession and accumulated wealth through salary increases, bonuses, deferred and equity compensation. Working with a trusted advisor to manage your wealth while minimizing taxes and maximizing employer benefits allows you get back your most precious commodity – time.
Pre-Retirees
Creating a plan that will set you up for success in retirement can be overwhelming. By understanding your personal goals and where you are today, we help clients focus on the bigger picture - providing peace of mind for the milestones ahead.
Retirees
Retirement looks different for everyone. Planning for the next chapter requires an intricate understanding of how your current resources and future income streams come together to create a future that alights with your values, vision and goals.
Airline Pilots
Pilots face unique financial, insurance and tax needs. With demanding schedules, multi-state tax filings, and a mandatory retirement age, it's important to maximize your corporate benefits and work with a team that understands your situation.
Next Gen
Our clients often share their desire to not only pass on their wealth to the next generation, but also the family values and financial discipline that created it. Our Next-Gen advisory service is designed to guide the development of their financial skills & habits as they create their own path toward financial success.
Helping Achieve Your Definition of Success
Our approach to wealth planning focuses on what is most meaningful to you.
As your life stage changes, so do your goals – our platform is designed to help you develop a flexible strategy to address these changing demands.
- Retirement "What If" Scenarios
- College (529) Funding Analysis
- Income & Cashflow Planning
- Donor Advised Funds
- Charitable Remainder Trusts
- IRA Qualified Charitable Distribution
- Asset Titling & Estate Distribution
- Wealth Transfer Strategies: Annual Gifting, Gift & Estate Exemption, Generation Skipping Transfers
- Trust Planning: ILITs, GRATs, SLATs, IDGTs, Dynasty Trusts, Special Needs Trusts
- Compensation Review: RSUs, NQ & ISO Options
- AMT & Tax Management Strategies
- Managing Concentrated Stock
- Restricted Stock: Rule 144 Guidance, 10b5-1 Plans
- Securities-Based Lending
- Home Loans
- Life Insurance Review
- Long-Term Care Planning
- Creditor Protection
Concentrated Equity
Having a large portion of your wealth tied up in a single stock can create both opportunity and risk. Whether the position comes from company stock awards, a successful investment, or a long-held family business, it often brings emotional and financial complexity. Managing that exposure thoughtfully means weighing the potential upside against the risk of volatility, tax implications and how it fits into your broader goals. It's not always about selling right away, it's about understanding your options, protecting what you've built, and making decisions that support your long term financial picture.
Financial Planning
We'll help you understand the fundamentals of finance and put your resources to work so you can plan, invest and ultimately transition to retirement with confidence.
Charitable Gifting
No matter what your philanthropic ambitions, a Financial Advisor can help you translate good intentions into an impactful strategy by utilizing a variety of trusts, charitable vehicles and wealth management tools.
Estate Planning & Wealth Transfer
Guiding high-net-worth families with legacy planning and collaborating with external tax & legal advisors to execute estate planning strategies and integrate investment solutions.
Equity Compensation & Restricted Stock
The by-product of a successful career is often a concentrated position in your company stock – representing a significant portion of your personal net worth and a high level of complexity. We help clients understand their equity compensation and manage their concentrated stock positions.
Liability Management
A comprehensive wealth management plan often includes prudent borrowing to compliment your investment portfolio. Our lending services can help provide the necessary funding and flexibility as you manage potential opportunities or liquidity needs.
Insurance & Asset Protection
A sound wealth plan requires more than seeking returns. It involves mitigating and managing risks to help protect you when the unexpected occurs. Insurance, as part of your overall wealth plan, can help you get closer to achieving your retirement and legacy planning goals.
Keep More of What you Earn
With access to some of the industry's leading tax management solutions and services, we can help you mitigate the tax drag on your portfolio – 365 days a year.
Direct Indexing
Direct indexing seeks to replicate a well-established index through direct ownership of securities, enabling customization, tax efficiency and tax-loss harvesting. It combines diversification with a potential boost to your after-tax returns, often referred to as "tax alpha".
Intelligent Withdrawals
Taking profits seems like the best part of investing, but taxes can add up. Our Intelligent Withdrawals tool helps investors tap their portfolios in the most tax efficient ways.
Tax-Loss Harvesting
While many investors tend to focus on tax-loss harvesting toward year end, it's a strategy that can help you year-round. Tax-loss harvesting enables you to realize or "harvest" losses to offset capital gains elsewhere.
Tax-Smart Strategies for Your Retirement
Smart tax planning can help you save more for retirement and keep more of what you've already saved. Consider these tax-efficient retirement planning strategies.
Tax-Efficient Gifting
Many of us prefer to combine our support for the causes and people we care about with a desire to save on taxes. Fortunately, there are strategies that may help us accomplish both. Whether you want to donate to charity or invest in a loved-one's future, consider these tax‐smart ways to help make your giving go further.
Donor Advised Funds
There's more to charitable giving than you may realize. Here's one method that provides flexibility and can help maximize your impact.
2026 Tax Tables
This helpful resource outlines the 2026 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
Six Ways to Reduce Your Tax Bill
Your IRS Form 1040 can reveal important information about your personal finances and uncover potential opportunities for future savings. See below for six questions to ask yourself to potentially reduce your tax bill.
TOOLS & RESOURCES FOR YOUR DIGITAL ENGAGMENT
Morgan Stanley provides a range of digital tools and resources to maximize your modern wealth management experience.
Morgan Stanley Online
Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App allows you to access key account information, make transfers and trades, and access reporting tools, cash management solutions and market research.
Morgan Stanley Online
Total Wealth View
Managing multiple financial accounts across different firms can be complicated. With Total Wealth View, you have the ability to view all of your assets, liabilities and total net worth – from all of your financial institutions in one place. Linking your external accounts provides the opportunity to analyze cash flow and advise on your Morgan Stanley accounts with your full financial picture in mind.
Total Wealth View
Cybersecurity
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Protecting Your Online Security
Reserved Living & Giving
Reserved Living & Giving is a complimentary loyalty program available to Morgan Stanley Clients. As a reserved member, clients will have access to exclusive partner offers and discounts, as well as thought leadership content and a variety of lifestyle and personal finance topics.
Enroll or Sign In
Thoughts on the Market Podcast
Mike Wilson offers his perspective on the forces shaping the markets and how to separate the signal from the noise. Listen to his most recent episode and check out those of his colleagues from across Morgan Stanley Research.
Listen to the Podcast
The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read the Latest ReportLocation
112 Worcester Street
Wellesley, MA 02481
US
Direct:
(781) 431-6700(781) 431-6700
Fax:
(339) 309-3640(339) 309-3640
Meet The Wellesley Horizon Group
Yiannis Emmanouilidis, CFP®
Senior Vice President, Financial Advisor, Portfolio Manager
Phone:
(781) 416-2427(781) 416-2427
Evan Ioakimidis, CFP®
Vice President, Wealth Management, Financial Advisor, Portfolio Manager, Workplace Advisor - Equity Compensation
Phone:
(781) 431-6781(781) 431-6781
Phone:
(781) 431-6792(781) 431-6792
Lindsay Laniefsky
Portfolio Associate
Phone:
(781) 416-2424(781) 416-2424
Karen Hernandez
Registered Client Service Associate
Phone:
(781) 263-6853(781) 263-6853
About Shaun Fitzpatrick
Since starting in the wealth management industry over 20 years ago, Shaun has focused on helping multi-generational clients build, protect and transfer their wealth. Shaun began his career in financial services in 2002, during the aftermath of the Tech Bubble – a time of significant market volatility and uncertainty. That early experience shaped his perspective on risk management and long-term planning, instilling a deep commitment to helping clients navigate both the highs and lows of the market.
Shaun is a designated Certified Private Wealth Advisor® professional through the Investments & Wealth Institute and the University of Chicago Booth School of Business. The CPWA® designation is designed for financial advisors who have developed advanced knowledge, skills and experience to guide clients through the wide range of complex issues faced by wealthy individuals and families. Areas of focus include strategies for investment solutions, risk management, tax management, estate planning & wealth transfer, behavior finance & family dynamics, charitable giving and retirement planning. This comprehensive approach can help clients not only grow and protect their wealth but also preserve their legacy for future generations.
While an interest in the capital markets initially led Shaun into the wealth management industry, today the most rewarding aspect of his career is in recognizing the impact a relationship based on trust, communication and a genuine desire for his clients’ success can have.
Shaun is a graduate of Fairfield University, and currently lives in Southborough MA, with his wife Jacqueline and their two boys. Outside of the office, Shaun enjoys golf, hiking, skiing, and time with family.
Shaun is a designated Certified Private Wealth Advisor® professional through the Investments & Wealth Institute and the University of Chicago Booth School of Business. The CPWA® designation is designed for financial advisors who have developed advanced knowledge, skills and experience to guide clients through the wide range of complex issues faced by wealthy individuals and families. Areas of focus include strategies for investment solutions, risk management, tax management, estate planning & wealth transfer, behavior finance & family dynamics, charitable giving and retirement planning. This comprehensive approach can help clients not only grow and protect their wealth but also preserve their legacy for future generations.
While an interest in the capital markets initially led Shaun into the wealth management industry, today the most rewarding aspect of his career is in recognizing the impact a relationship based on trust, communication and a genuine desire for his clients’ success can have.
Shaun is a graduate of Fairfield University, and currently lives in Southborough MA, with his wife Jacqueline and their two boys. Outside of the office, Shaun enjoys golf, hiking, skiing, and time with family.
Securities Agent: TX, IN, TN, NJ, HI, FL, CA, RI, NH, NC, ME, VT, OH, WA, UT, AK, SC, AZ, OR, WI, NM, GA, MS, MD, IL, DE, DC, PA, NY, CT, CO, VA, MN, MA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1293884
NMLS#: 1293884
About Yiannis Emmanouilidis
With over 15 years of experience in the financial services industry, Yianni provides wealth management solutions and portfolio management for business owners, executives and families.
Yianni is a Bentley University graduate with a Bachelor’s of science in Finance. He started his career at US Bank before joining Morgan Stanley in 2010. As a partner in The Wellesley Horizon Group at Morgan Stanley, Yianni’s passion lies in getting to know his client’s immediate needs and long term goals, then creating a tailored financial strategy to help navigate key areas such as retirement planning, tax efficiency, estate planning, risk management, and investment management.
Yianni is a CERTIFIED FINANCIAL PLANNER® professional and takes great satisfaction in demonstrating how a client’s small steps today can help them positively shape their financial future. Whether planning for a major life transition, optimizing wealth accumulation, or ensuring a lasting legacy for future generations, he is committed to providing a personalized approach and building long-term relationships based on trust and open communication.
In his free time, Yianni enjoys traveling, golfing, running, and spending time with his wife and their two sons. He lives in Needham, MA.
Yianni is a Bentley University graduate with a Bachelor’s of science in Finance. He started his career at US Bank before joining Morgan Stanley in 2010. As a partner in The Wellesley Horizon Group at Morgan Stanley, Yianni’s passion lies in getting to know his client’s immediate needs and long term goals, then creating a tailored financial strategy to help navigate key areas such as retirement planning, tax efficiency, estate planning, risk management, and investment management.
Yianni is a CERTIFIED FINANCIAL PLANNER® professional and takes great satisfaction in demonstrating how a client’s small steps today can help them positively shape their financial future. Whether planning for a major life transition, optimizing wealth accumulation, or ensuring a lasting legacy for future generations, he is committed to providing a personalized approach and building long-term relationships based on trust and open communication.
In his free time, Yianni enjoys traveling, golfing, running, and spending time with his wife and their two sons. He lives in Needham, MA.
Securities Agent: NM, CT, OH, MN, IL, ME, VA, NH, SC, DE, DC, VT, NY, NC, CO, AZ, RI, PA, UT, TX, GA, FL, CA, AK, MD, IN, OR, MS, MA, HI, WI, WA, TN, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 1290627
NMLS#: 1290627
About Evan Ioakimidis
Evan’s interest in finance and money began at a young age, with the opening of his first CD when he was 8 years old. Growing up in a family where financial decisions were discussed openly, he quickly grasped the importance of financial literacy. After earning a degree in Finance from Bentley University, Evan pursued a path that would combine his technical and social skills with his passion for helping others.
Upon entering the financial services industry, Evan was inspired by the idea that financial planning wasn’t just about managing money, it was about empowering people to reach their personal goals, whether that was buying a home, retiring confidently, or securing an education for their children. Evan then went on to attain the CERTIFIED FINANCIAL PLANNER™ certification, helping him to guide clients more effectively through their financial journeys.
As Evan’s career progressed, he began pursuing another long-time passion in aviation. He began taking flying lessons and was quickly fascinated by the freedom, discipline, and strategic thinking required to fly an airplane. It soon became clear that there were numerous parallels between being a pilot and his role as a financial advisor – both depend on careful planning, a clear understanding of risks, and the ability to adapt to a changing environment.
Today, Evan continues to guide his clients toward their financial goals, drawing inspiration from his experiences in the cockpit. Whether navigating the skies or a client’s financial future, Evan is committed to helping others reach their destination with precision, foresight, and a calm, steady approach.
Upon entering the financial services industry, Evan was inspired by the idea that financial planning wasn’t just about managing money, it was about empowering people to reach their personal goals, whether that was buying a home, retiring confidently, or securing an education for their children. Evan then went on to attain the CERTIFIED FINANCIAL PLANNER™ certification, helping him to guide clients more effectively through their financial journeys.
As Evan’s career progressed, he began pursuing another long-time passion in aviation. He began taking flying lessons and was quickly fascinated by the freedom, discipline, and strategic thinking required to fly an airplane. It soon became clear that there were numerous parallels between being a pilot and his role as a financial advisor – both depend on careful planning, a clear understanding of risks, and the ability to adapt to a changing environment.
Today, Evan continues to guide his clients toward their financial goals, drawing inspiration from his experiences in the cockpit. Whether navigating the skies or a client’s financial future, Evan is committed to helping others reach their destination with precision, foresight, and a calm, steady approach.
Securities Agent: NC, MA, IN, NJ, CT, TX, OH, DC, VT, CO, CA, TN, PA, HI, AZ, RI, NY, VA, IL, DE, NM, MD, AK, UT, WI, GA, SC, OR, MS, WA, NH, FL, MN, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 1545975
NMLS#: 1545975
About Theo Bakolas
Theo Bakolas joined Morgan Stanley in 2022 and is focused on financial planning for business owners and multi generational families.
Theo is a Certified Investment Management Analyst® and works closely with clients by centering their short and long-term goals around their customized financial plan. This serves as his clients’ roadmap towards achieving their objectives, while simultaneously maximizing their confidence and minimizing regrets when it comes to their financial lives.
Theo graduated from Salem State University with a Bachelor of Science in Business Management. He subsequently joined Havener Capital Partners, where he worked with wealth advisors, helping them build portfolios from the suite of funds that they represented.
Theo resides in Framingham, Massachusetts, with his wife and two children. While not in the office, he enjoys fishing, traveling, and exploring New England’s beaches with his family.
Theo is a Certified Investment Management Analyst® and works closely with clients by centering their short and long-term goals around their customized financial plan. This serves as his clients’ roadmap towards achieving their objectives, while simultaneously maximizing their confidence and minimizing regrets when it comes to their financial lives.
Theo graduated from Salem State University with a Bachelor of Science in Business Management. He subsequently joined Havener Capital Partners, where he worked with wealth advisors, helping them build portfolios from the suite of funds that they represented.
Theo resides in Framingham, Massachusetts, with his wife and two children. While not in the office, he enjoys fishing, traveling, and exploring New England’s beaches with his family.
Securities Agent: VT, TX, MA, IN, DC, SC, NC, MN, MD, VA, TN, RI, GA, FL, AK, WI, CA, AZ, NY, WA, OH, IL, HI, DE, CT, CO, OR, NM, NH, UT, PA, NJ, MS, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 2442936
NMLS#: 2442936
About Lindsay Laniefsky
Lindsay brings over 10 years of experience with a commitment to delivering exceptional support and personalized care to clients. With a detail-oriented approach and a passion for building strong relationships, Lindsay ensures clients’ needs are met with efficiency and professionalism. From managing account inquiries to coordinating money transfers, Lindsay strives to make every interaction meaningful and to contribute to the long-term success of both clients and the team.
Lindsay began her career in financial services at UBS. She graduated from University of Vermont with a B.A. in Psychology and minored in communication sciences.
Lindsay resides on the South Shore of Massachusetts, where the ocean is an integral part of her daily life. In her free time she enjoys going on long walks with her dog Rexx, playing tennis, and travel.
Lindsay began her career in financial services at UBS. She graduated from University of Vermont with a B.A. in Psychology and minored in communication sciences.
Lindsay resides on the South Shore of Massachusetts, where the ocean is an integral part of her daily life. In her free time she enjoys going on long walks with her dog Rexx, playing tennis, and travel.
About Karen Hernandez
Karen brings over 17 years of experience across key segments of the financial services industry, including banking, private wealth, and asset management. She began her career at UBS, where she earned the title of Senior Client Service Associate. After UBS, Karen joined Amundi Pioneer and worked in distribution and sales for the Americas. In 2017, she relocated to Miami, FL, to contribute to Amundi’s US Offshore and Latin American division. Most recently, Karen served as an Assistant Vice President at Safra National Bank where she focused on helping businesses and families in Argentina and Uruguay diversify their wealth in the US markets.
Karen holds a degree in Political Science and History from Suffolk University. Originally from Medellín, Colombia, she immigrated to Boston with her family in 1989 making her a native spanish speaker. Now residing in Arlington, she enjoys spending time outdoors, hiking, and camping with her husband and their dog Gigi.
Karen holds a degree in Political Science and History from Suffolk University. Originally from Medellín, Colombia, she immigrated to Boston with her family in 1989 making her a native spanish speaker. Now residing in Arlington, she enjoys spending time outdoors, hiking, and camping with her husband and their dog Gigi.
Contact Shaun Fitzpatrick
Contact Yiannis Emmanouilidis
Contact Evan Ioakimidis
Contact Theo Bakolas
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2024-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Wealth Management
From Our Team
Strategies to Finance Your Business
Wealth Management
Global Investment Office
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
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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.
Ready to start a conversation? Contact The Wellesley Horizon Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley 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.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan 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.
4Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Morgan Stanley Smith Barney LLC 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
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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:
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley 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.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan 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.
4Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Morgan Stanley Smith Barney LLC 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
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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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.
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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.
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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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
