Ellis O Moore, CPM®
Senior Vice President, Financial Advisor, Senior Portfolio Management Director
Phone:
(914) 225-5339(914) 225-5339
The Westchester Group at Morgan Stanley
Ellis O Moore, CPM®John E MorrisonGregory M FiskShawn RyanJonathan C Moore, CFP®, RICP®, CRPC®John Morrison, CFP®Joanna Rrezja, CFP®
Direct:
(914) 225-4939(914) 225-4939
Industry Award WinnerOur Mission Statement
Our mission is to build lasting client relationships through personalized investment advice and comprehensive financial planning. We draw on our extensive experience to provide tailored solutions that align with our clients' financial goals. We are committed to trust, transparency, and excellence, empowering our clients on their financial journeys. We begin by asking what matters to the families we serve, and we never stop asking that question.
Our Mission Is Your Well-Being
We are an experienced team of financial professionals dedicated to helping you preserve and grow your assets, so you can pursue your life goals with greater purpose, passion and confidence.
We focus on what is most important to you, your family and your future and provide the personalized service, skills and resources needed to help you make more informed decisions about your future with greater confidence and less overall risk.
Above all, we commit to helping make a meaningful difference in your life through the delivery of six core beliefs that have become the hallmark of our practice:
• Competence through deep knowledge and experience
• A commitment to investment excellence
• Longstanding relationships across generations
• Exceptional service from day one
• A one-stop shop for all your financial needs
• Market experience dating back to the 1970s
Each of these strengths is detailed in the next tab on our website. We invite you to visit this tab to understand how we deliver a differentiating experience.
We are proud of the personalized service we provide each client and welcome the opportunity to deliver the same level of excellence to you and your family now and for generations to come.
We look forward to speaking with you soon.
We focus on what is most important to you, your family and your future and provide the personalized service, skills and resources needed to help you make more informed decisions about your future with greater confidence and less overall risk.
Above all, we commit to helping make a meaningful difference in your life through the delivery of six core beliefs that have become the hallmark of our practice:
• Competence through deep knowledge and experience
• A commitment to investment excellence
• Longstanding relationships across generations
• Exceptional service from day one
• A one-stop shop for all your financial needs
• Market experience dating back to the 1970s
Each of these strengths is detailed in the next tab on our website. We invite you to visit this tab to understand how we deliver a differentiating experience.
We are proud of the personalized service we provide each client and welcome the opportunity to deliver the same level of excellence to you and your family now and for generations to come.
We look forward to speaking with you soon.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Why Choose Us?
Smart wealth management begins and ends with tailored service and attention to detail. We enjoy working with individuals and families who seek long-term, fully engaged relationships with their advisors and believe the following attributes set us apart from other advisory teams.
Knowledge and Experience
Our team has more than 80 years of collective experience and includes a Certified Portfolio Manager®, a Certified Financial Planner®, a Retirement Income Certified Professional® and a Charter Retirement Plan Consultant®. We believe the more complex your situation, the more valuable we are to you, and the more rewarding your overall experience will be.
Investment Excellence
Investment strategy is at the heart of what we do and one of the most critical services we provide. Working closely with you, we create a customized strategy that applies long-held investment principles to help preserve and grow your assets, while generating income when you need it. Our process has earned us the Five Star Award by Westchester Magazine every year since 2012. Please learn more about this award here:
2025 Five Star Wealth Manager Award
Longstanding Relationships
We are dedicated to building deep and caring relationships with each of our clients. The bonds we form are fundamental to our mission, and it is our goal that they span generations.
Personalized Service
We take the time to get to know you personally, so we may understand the challenges and circumstances surrounding your wealth and create a tailored plan that can easily adapt to changes in your life and new priorities for your wealth.
An Understanding of Risk
Experience has shown us that investors often take on more risk than necessary to accomplish their goals. With market experience dating back to the 1970s, we have managed money in every type of market environment. We remain vigilant in understanding all underlying risks, so we can present the most appropriate recommendations for your situation.
Our Process
Our dynamic and consultative process begins with a deep understanding of where you are today and where you want to go. Working together, we create a thorough plan to help get you there, navigating life’s challenges and helping you make more informed decisions each step of the way.
1: Discovery
• Understand your concerns and identify any challenges unique to your situation
• Learn about your current situation
• Determine how we can help you
• Discuss the importance of a financial plan
• Request important information we’ll need to gather from you
• Schedule our next discussion
• Learn about your current situation
• Determine how we can help you
• Discuss the importance of a financial plan
• Request important information we’ll need to gather from you
• Schedule our next discussion
2: Analysis
• Evaluate your current and future financial situation
• Utilize a variety of planning and risk assessment tools to determine the likelihood of reaching your goals
• Identify appropriate solutions
• “Stress test” each recommendation before formalizing your custom plan
• Utilize a variety of planning and risk assessment tools to determine the likelihood of reaching your goals
• Identify appropriate solutions
• “Stress test” each recommendation before formalizing your custom plan
3: Presentation
• Present your plan in detail, prioritizing activities and establishing timelines
• Your plan includes investment recommendations and other strategies aimed at preserving wealth, minimizing risk and achieving your legacy goals
• Revise your plan accordingly
• Your plan includes investment recommendations and other strategies aimed at preserving wealth, minimizing risk and achieving your legacy goals
• Revise your plan accordingly
4. Implementation
• Upon your approval of the plan, begin to execute each recommendation
• We encourage collaboration with your CPA and estate attorney to help ensure continuity
• Keep you informed at each stage
• We encourage collaboration with your CPA and estate attorney to help ensure continuity
• Keep you informed at each stage
5: Ongoing Service
• Set up tools to provide convenient access to your accounts
• Speak with you regularly to track performance towards your goals
• Discuss changes in your life and adjust your plan and portfolio accordingly
• Speak with you regularly to track performance towards your goals
• Discuss changes in your life and adjust your plan and portfolio accordingly
We are dedicated to providing clients with access to the latest events, hosted by speakers across the firm, as we progress on their financial journey.
Upcoming Events
February 2nd, 2026 | Cryptocurrency and Digital Asset 101
Join us on Monday, February 2, for a dynamic conversation on Cryptocurrency and Digital Assets 101 with Caroline Gundeck, Head of Client and Field Engagement, Charline Burgess, Senior Wealth Education Specialist, and Denny Galindo, Portfolio Manager All Cap Growth Portfolio and Lead Cryptocurrency Strategist.
Cryptocurrency and digital assets continue to generate significant curiosity and questions. The session will help provide a clear overview of what cryptocurrency is, the reasons behind its creation and the distinctions among leading coins. Key drivers of value and volatility will be discussed, enabling thoughtful consideration of whether and how digital assets might complement a broader investment strategy.
Participants are invited to join as this evolving space is demystified and its potential role in a portfolio is explored.
Featured Speakers
Caroline Gundeck
Head of Client and Field Engagement
Morgan Stanley Wealth Management
Charline Burgess
Senior Wealth Education Specialist
Morgan Stanley Wealth Management
Denny Galindo
Portfolio Manager All Cap Growth Portfolio and Lead Cryptocurrency Strategist
Morgan Stanley Wealth Management
Past Events
December 2025 | Year-End Economic and Investment Outlook
This year has seen an unsteady labor market, persistent inflation, geopolitical tensions, and rising tariffs. While the rate of economic growth has slowed, expansion continues as consumers remain resilient and corporations deliver stronger-than-expected earnings. Watch Morgan Stanley Wealth Management's Chief Investment Officer Lisa Shalett and Morgan Stanley's Global Head of Research Katy Huberty for a year-end conversation as they discuss:
- The state of the U.S. economy and the American consumer
- Economic signals to watch for as we head into 2026
- Potential tailwinds or headwinds for various asset classes, regions and industries
November 2025 | Giving Back: The Joy of Philanthropy and Social Impact
Hosted by Caroline Gundeck, Head of Client and Field Engagement, and Charline Burgess, Senior Wealth Education Specialist, you will discover the fulfilling world of philanthropy and social impact. This session will guide you in identifying causes that matter to you and explore ways to contribute meaningfully, fostering a lifelong commitment to making a positive difference in society.
October 2025 | Securing the Future: Cybersecurity in the Age of AI
We invite you to join Morgan Stanley Wealth Management's Chief Data Officer Rachel Wilson in a conversation with the Head of Wealth Management Cybersecurity Prashanth Challa as they explore essential strategies to protect yourself and loved ones in this new era. Topics include:
- Protecting yourself from AI-powered scams
- Understanding deepfakes and data poisoning
- Leveraging AI to your cybersecurity advantage
September 2025 | American Exceptionalism
Join Morgan Stanley Wealth Management's Chief Investment Officer Lisa Shalett in a conversation with Morgan Stanley Investment Management's Head of Consilient Research for Counterpoint Global Michael Mauboussin as they explore whether the period of American Exceptionalism is coming to an end and discuss key considerations for investors, including:
- The potential impact of elevated federal debt and deficits and structural imbalances in wealth/income inequality on economic growth and inflation
- Key sector trends contributing to the Great Rebalancing, including tech and energy
- The rising importance of an actively managed, diversified portfolio with exposure to global and value-oriented securities
September 2025 | Housing Insights for the Next Decade
Join us on Tuesday, September 2, at 4:15 p.m. ET, for our AlphaCurrents Macro Expert Webcast to gain a deeper understanding of how housing trends may impact your financial planning and investment portfolios.
Hosted by Ellen Zentner, Chief Economic Strategist and Global Head of Thematic and Macro Investing, this webcast will feature a panel of experts who will explore the key trends shaping the future of the US housing market, including:
- Anticipated demand for up to 18 million new housing units
- Challenges of affordability
- The shift towards smaller homes and increased rentership
August 2025 | Estate Planning Overview: Caregiver Considerations
This session is specifically designed for the "Sandwich Generation". As individuals balancing the dual responsibilities of caring for aging parents and supporting their own children, effective estate planning is crucial. This webcast will provide valuable strategies to manage these unique challenges, ensuring financial security and peace of mind for you and your loved ones.
Information and Insights
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
We have assembled the following tools and resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links and hope you’ll return often to learn more about the topics that can impact your wealth.
We have assembled the following tools and resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links and hope you’ll return often to learn more about the topics that can impact your wealth.
GIC: On The Markets
Monthly collection of the most timely research and strategy across Morgan Stanley and external partners.
Click Here to Read More
GIC Weekly
This report from Wealth Management Chief Investment Officer Lisa Shalett highlights the GIC's latest thinking on the markets.
View Our Latest GIC Weekly Report
Thoughts On The Market With Mike WIlson
Listen in on Morgan Stanley experts share their perspectives on the forces shaping markets.
Listen To The Latest Episode Here
Morgan Stanley Online
Morgan Stanley Online (MSO) digital capabilities and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research. The Morgan Stanley Mobile App provides clients with access to their accounts in just a few taps.
Login or Register for MSO
Total Wealth View
Managing multiple financial accounts across different firms can be complicated. With Morgan Stanley Online, you can link your non-Morgan Stanley accounts and analyze your cash flow all in one place.
Total Wealth View
Digital Vault
Digital Vault lets you easily and conveniently manage and share life’s most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings.
Get Started
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.
eDelivery Guide
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential, manage unrealized gains and help keep more of what you earn.
Learn More
Preferred Savings Program
Once you open a Morgan Stanley Brokerage Account, you can make the most of your idle cash with our competitive Preferred Savings Program.
Help Keep Your Cash Working for You
Morgan Stanley CashPlus Brokerage Account
Designed as a modern alternative to banking with the capabilities to help you access, move, and manage cash when you need it while enjoying exclusive benefits.
Click to Learn MoreLocation
2000 Westchester Ave 1nc
Purchase, NY 10577
US
Direct:
(914) 225-4939(914) 225-4939
Meet The Westchester Group
John E Morrison
Executive Director, Financial Advisor, Senior Portfolio Management Director, Senior Vice President, Workplace Advisor - Equity Compensation
Phone:
(914) 225-8220(914) 225-8220
Shawn Ryan
Managing Director, Wealth Management, Wealth Advisor, Family Wealth Advisor, Executive Financial Services Director, Senior Portfolio Manager, Lending Specialist, Financial Planning Specialist, Workplace Advisor - Equity Compensation
Phone:
(914) 225-1539(914) 225-1539
Jonathan C Moore, CFP®, RICP®, CRPC®
Senior Vice President, Wealth Management, Financial Advisor, Chartered Retirement Planning Counselor
Phone:
(914) 225-5195(914) 225-5195
Gregory M Fisk
Senior Vice President, Financial Advisor
Phone:
(914) 225-8200(914) 225-8200
John Morrison, CFP®
Financial Advisor
Phone:
(914) 225-0022(914) 225-0022
Joanna Rrezja, CFP®
Associate Vice President, Wealth Management, Financial Advisor, Portfolio Manager, Financial Planning Specialist
Phone:
(914) 225-5233(914) 225-5233
Melissa Bednarczyk
Vice President, Wealth Management Associate
Phone:
(914) 225-8222(914) 225-8222
James Rapaccioli
Wealth Management Associate
Phone:
(914) 225-6914(914) 225-6914
Sandrina Vieira
Portfolio Associate
Phone:
(914) 225-4939(914) 225-4939
Jesemia Lawrence
Senior Registered Associate
Phone:
(914) 225-0166(914) 225-0166
About Ellis O Moore
Ellis is a founding member of The Westchester Group at Morgan Stanley. He is primarily responsible for discretionary portfolio management and overall investment policy planning and research.
Ellis began his career in financial services in 1970 on the institutional corporate bond desk of Smith Barney, a predecessor firm of Morgan Stanley Smith Barney’s. Prior to his 1981 decision to focus exclusively on individual investors, Ellis served as an institutional corporate bond salesman and sales coordinator and as head corporate bond trader at both Smith Barney and Shearson Hayden Stone, predecessor firms of Morgan Stanley Smith Barney. He was the founder and first manager of Smith Barney’s Corporate Bond Research Department and authored its weekly “Corporate Bond Comments” for several years.
In 1990, Ellis joined the Portfolio Management Group and as of July 2017 managed or helped to advise some $400 million of client assets for the Westchester Group. Ellis integrates financial planning into his investment process to assist in setting risk tolerance and return targets for clients.
Ellis was a founding member of the board of the Portfolio Management Institute, a not-for profit association of Morgan Stanley Smith Barney portfolio managers and served as its first secretary/treasurer from 2004-2010. He was also a member of Morgan Stanley Smith Barney’s proxy voting committee for managed accounts.
During the 1970’s and 1980’s, Ellis became quite active in community service, first as a member of the Board of Appeals and later its Chairman, and thereafter as a member of the Board of Trustees of the Village of Pelham Manor, NY, his home town. He was also President and a member of the Board of Governors of the Shenorock Shore Club of Rye, NY. A Rotarian, Ellis was named a Paul Harris Fellow and has served as President and on the Board of Directors of the Rotary Club of the Pelhams. He has been an active member of the service organization since 1981 and currently chairs the club’s scholarship committee.
A 1970 graduate of Princeton University, Ellis played varsity football for three years and captained the university’s 1969 Ivy League Championship team. He is on the Board of Directors of the Ivy Football Association and currently serves as an advisor to the Princeton Football Association. Ellis earned a Bachelor of Arts degree in history.
Ellis resides in Yorktown Heights, NY, and Raymond, ME, with his wife, Marilyn. They have four children: Jon, also a member of the Westchester Group, Carrie, Michael and Nikki; and six grandchildren, Natasha, Leo, Maxwell, Nathan, Stella and Natalie. In their leisure time, the Moore’s enjoy reading, travel, and exercise.
Ellis began his career in financial services in 1970 on the institutional corporate bond desk of Smith Barney, a predecessor firm of Morgan Stanley Smith Barney’s. Prior to his 1981 decision to focus exclusively on individual investors, Ellis served as an institutional corporate bond salesman and sales coordinator and as head corporate bond trader at both Smith Barney and Shearson Hayden Stone, predecessor firms of Morgan Stanley Smith Barney. He was the founder and first manager of Smith Barney’s Corporate Bond Research Department and authored its weekly “Corporate Bond Comments” for several years.
In 1990, Ellis joined the Portfolio Management Group and as of July 2017 managed or helped to advise some $400 million of client assets for the Westchester Group. Ellis integrates financial planning into his investment process to assist in setting risk tolerance and return targets for clients.
Ellis was a founding member of the board of the Portfolio Management Institute, a not-for profit association of Morgan Stanley Smith Barney portfolio managers and served as its first secretary/treasurer from 2004-2010. He was also a member of Morgan Stanley Smith Barney’s proxy voting committee for managed accounts.
During the 1970’s and 1980’s, Ellis became quite active in community service, first as a member of the Board of Appeals and later its Chairman, and thereafter as a member of the Board of Trustees of the Village of Pelham Manor, NY, his home town. He was also President and a member of the Board of Governors of the Shenorock Shore Club of Rye, NY. A Rotarian, Ellis was named a Paul Harris Fellow and has served as President and on the Board of Directors of the Rotary Club of the Pelhams. He has been an active member of the service organization since 1981 and currently chairs the club’s scholarship committee.
A 1970 graduate of Princeton University, Ellis played varsity football for three years and captained the university’s 1969 Ivy League Championship team. He is on the Board of Directors of the Ivy Football Association and currently serves as an advisor to the Princeton Football Association. Ellis earned a Bachelor of Arts degree in history.
Ellis resides in Yorktown Heights, NY, and Raymond, ME, with his wife, Marilyn. They have four children: Jon, also a member of the Westchester Group, Carrie, Michael and Nikki; and six grandchildren, Natasha, Leo, Maxwell, Nathan, Stella and Natalie. In their leisure time, the Moore’s enjoy reading, travel, and exercise.
Securities Agent: FL, VA, UT, NY, WA, SC, RI, OR, NH, NC, OK, ME, MA, KY, DC, IL, CO, TX, SD, IA, GA, DE, CT, CA, NJ, MD, IN, PA, LA, HI, AZ, WI, VT, MI, MS, TN, OH, NM; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1262052
NMLS#: 1262052
About John E Morrison
John is an Executive Director with Morgan Stanley, recognized by Forbes for the past six years as a Best-in-State Wealth Advisor, who focuses primarily on financial, retirement and estate planning strategies. He is highly adept at helping clients create personalized financial plans that help facilitate a desired lifestyle and preserve wealth for future generations.
John has been in financial services since graduating from Mercy College with a Bachelor of Science degree in business administration and marketing in 1989. Over that time, he has built a loyal following with clients because he embodies certain attributes that nurture rewarding long-term relationships.
Deeply interested in people, John takes the time to learn as much as possible about his clients before addressing their financial needs and goals. He emphasizes a collaborative relationship and travels the country to meet face-to-face with his clients. This approach enables his clients to establish a strong foundation of trust in him.
In his effort to give investors all the attention they require, John serves a limited number of clients. While he relies on the extensive resources of Morgan Stanley to help meet his clients’ needs, he also has long-standing relationships with respected accountants, attorneys and insurance specialists in the community.
John and his wife, Debbie, have four beautiful grown children, all of whom have graduated college and are flourishing in their careers. John and his family reside in Ridgefield, CT and he is an active member of the community. When his children were young, he coached baseball and basketball, among other sports. Today, he serves actively in leadership positions at his church, St. Stephen’s as well as serving on the board of Lifting Up Westchester. John is an avid golfer and enjoys the challenging aspects that the game offers.
2020, 2021, 2022, 2023, 2024 & 2025 Forbes Best-In- State Wealth Advisors New York - NY State (High Net Worth)
Source: Forbes.com 2020 - 2025. Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
John has been in financial services since graduating from Mercy College with a Bachelor of Science degree in business administration and marketing in 1989. Over that time, he has built a loyal following with clients because he embodies certain attributes that nurture rewarding long-term relationships.
Deeply interested in people, John takes the time to learn as much as possible about his clients before addressing their financial needs and goals. He emphasizes a collaborative relationship and travels the country to meet face-to-face with his clients. This approach enables his clients to establish a strong foundation of trust in him.
In his effort to give investors all the attention they require, John serves a limited number of clients. While he relies on the extensive resources of Morgan Stanley to help meet his clients’ needs, he also has long-standing relationships with respected accountants, attorneys and insurance specialists in the community.
John and his wife, Debbie, have four beautiful grown children, all of whom have graduated college and are flourishing in their careers. John and his family reside in Ridgefield, CT and he is an active member of the community. When his children were young, he coached baseball and basketball, among other sports. Today, he serves actively in leadership positions at his church, St. Stephen’s as well as serving on the board of Lifting Up Westchester. John is an avid golfer and enjoys the challenging aspects that the game offers.
2020, 2021, 2022, 2023, 2024 & 2025 Forbes Best-In- State Wealth Advisors New York - NY State (High Net Worth)
Source: Forbes.com 2020 - 2025. Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: NY, OH, WI, MI, MA, CT, UT, TN, OR, MD, DE, CO, WA, SC, NH, VA, PA, ME, GA, CA, TX, NC, HI, FL, SD, NM, NJ, AZ, VT, RI, IL, MS, LA, KY, DC, OK; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255463
NMLS#: 1255463
About Shawn Ryan
Shawn is an Executive Director and Family Wealth Advisor with The Westchester Group at Morgan Stanley's headquarters in Purchase, NY. With a financial services career spanning over three decades, Shawn began his journey as a Wealth Advisor with Smith Barney in 2001 and transitioned to Morgan Stanley in 2008. He is committed to providing a holistic Wealth Management experience, specializing in portfolio management, retirement and estate planning, and philanthropic services, all tailored to meet the distinct needs of each client. As a Family Wealth Advisor, Shawn offers strategic guidance to families, ensuring their wealth management strategies are in harmony with their values and objectives.
Shawn resides in Darien, CT, where he cherishes quality time with his wife and three children, engaging in activities such as coaching sports, participating in theater, and enjoying water-based pursuits. He is also an active community member, serving on the board of the Darien Bluehawk’s Baseball program.
Education:
• MBA, Fordham University, Beta Gamma Sigma
• B.S., Providence College
Licenses:
• Series 7, 63, 65, 31
• Life and Health Insurance
Associations:
• Darien Bluehawk’s Baseball
Shawn resides in Darien, CT, where he cherishes quality time with his wife and three children, engaging in activities such as coaching sports, participating in theater, and enjoying water-based pursuits. He is also an active community member, serving on the board of the Darien Bluehawk’s Baseball program.
Education:
• MBA, Fordham University, Beta Gamma Sigma
• B.S., Providence College
Licenses:
• Series 7, 63, 65, 31
• Life and Health Insurance
Associations:
• Darien Bluehawk’s Baseball
Securities Agent: ME, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, AK, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, MD, NY, NV, NM, NJ, NH, NE, ND, NC, MT, MS, MO, MN, MI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1272744
NMLS#: 1272744
About Jonathan C Moore
Jon Moore joined the Westchester Group at Morgan Stanley in August, 2009 and is in charge of financial planning for the group. He joins his father Ellis Moore, Jr., a Senior Vice President and founding member of the group, in using financial planning as a basis for working to help meet client goals and objectives.
Upon attaining a Bachelor of Arts with honors at Syracuse University, Jon entered the financial services industry in 1996 working at Smith Barney. Within 2 years he was managing the creation, production and training for the financial planning software platform used by the firm. Over time, this developed into a role as director of strategy and development for the subsequent generation of Smith Barney’s financial planning software platform.
After many years engaged in financial planning on a theoretical level, Jon realized that his real passion lies in working directly with people in this capacity; he deeply enjoys drawing from his wealth management experience to provide personally crafted strategies that help individuals and families establish and meet their life and financial goals. His background allows him to work from a broad based, holistic financial planning platform that goes well beyond that of the casual practitioner.
Jon believes that asset management is best conducted not as an abstract exercise, but as a specific response to the particular needs and financial landscape of a client; as such, Jon works closely with Ellis to help design and implement financial life plans integrated with informed portfolio management.
As a CFP® certificant, Jon has successfully completed the rigorous education, examination, experience and ethics requirements required by the Certified Financial Planner Board of Standards, an independent professional regulatory organization. As such, he holds himself to and is held to the highest standards of ethics and competency for his clients. Jon’s enjoyment of working with those who are currently or will soon be retired has also led him to obtain his certification as a Chartered Retirement Planning CounselorSM and Retirement Income Certified Professional®.
Jon lives in Ridgefield, CT with his wife Lisa, his son Leo and his daughter Stella. In his free time, Jon coaches wrestling and t-ball, and enjoys obstacle racing.
Upon attaining a Bachelor of Arts with honors at Syracuse University, Jon entered the financial services industry in 1996 working at Smith Barney. Within 2 years he was managing the creation, production and training for the financial planning software platform used by the firm. Over time, this developed into a role as director of strategy and development for the subsequent generation of Smith Barney’s financial planning software platform.
After many years engaged in financial planning on a theoretical level, Jon realized that his real passion lies in working directly with people in this capacity; he deeply enjoys drawing from his wealth management experience to provide personally crafted strategies that help individuals and families establish and meet their life and financial goals. His background allows him to work from a broad based, holistic financial planning platform that goes well beyond that of the casual practitioner.
Jon believes that asset management is best conducted not as an abstract exercise, but as a specific response to the particular needs and financial landscape of a client; as such, Jon works closely with Ellis to help design and implement financial life plans integrated with informed portfolio management.
As a CFP® certificant, Jon has successfully completed the rigorous education, examination, experience and ethics requirements required by the Certified Financial Planner Board of Standards, an independent professional regulatory organization. As such, he holds himself to and is held to the highest standards of ethics and competency for his clients. Jon’s enjoyment of working with those who are currently or will soon be retired has also led him to obtain his certification as a Chartered Retirement Planning CounselorSM and Retirement Income Certified Professional®.
Jon lives in Ridgefield, CT with his wife Lisa, his son Leo and his daughter Stella. In his free time, Jon coaches wrestling and t-ball, and enjoys obstacle racing.
Securities Agent: SD, NJ, NC, KY, IL, IA, VT, UT, NY, AZ, MS, CT, OR, NH, NM, MD, HI, VA, TX, MN, MI, LA, DE, SC, RI, DC, CO, WI, OH, GA, WA, PA, ME, MA, OK, IN, FL, CA, TN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278796
NMLS#: 1278796
About Gregory M Fisk
Gregory Fisk is a distinguished financial advisor with over 40 years of experience, renowned for his steadfast integrity and comprehensive expertise across various market and economic conditions. His extensive career has equipped him with invaluable insights and a deep understanding of the financial landscape.
Greg joined Morgan Stanley 17 years ago, after a six-year tenure at UBS Securities, and began his career at Prudential Securities. At Morgan Stanley, he leverages the firm's extensive resources to provide his clients with a diverse array of investment opportunities.
Greg prioritizes building strong relationships with his clients by dedicating ample time to understand their unique needs. He emphasizes both wealth protection and growth, crafting personalized strategies to help clients achieve their financial goals. Greg is committed to regularly monitoring his clients' portfolios to ensure alignment with their financial objectives, while keeping them well-informed and confident in his expertise.
A graduate of Boston College with a degree in English and Psychology, Greg is married with three children and five grandchildren. In his leisure time, he enjoys golf, fishing, and reading. He is also passionate about community service, a value instilled in him by his mother.
Greg has held several notable positions in community service. He has served as the past president of the local American Cancer Society, a former board member of the United Way of Westchester, and the past chairman of both the Community Hospital of Dobbs Ferry and the Youth Services Council. Currently, he is an active member of the Quad Village Rotary Club and serves on the executive committee board of St. John’s Riverside Hospital.
Greg joined Morgan Stanley 17 years ago, after a six-year tenure at UBS Securities, and began his career at Prudential Securities. At Morgan Stanley, he leverages the firm's extensive resources to provide his clients with a diverse array of investment opportunities.
Greg prioritizes building strong relationships with his clients by dedicating ample time to understand their unique needs. He emphasizes both wealth protection and growth, crafting personalized strategies to help clients achieve their financial goals. Greg is committed to regularly monitoring his clients' portfolios to ensure alignment with their financial objectives, while keeping them well-informed and confident in his expertise.
A graduate of Boston College with a degree in English and Psychology, Greg is married with three children and five grandchildren. In his leisure time, he enjoys golf, fishing, and reading. He is also passionate about community service, a value instilled in him by his mother.
Greg has held several notable positions in community service. He has served as the past president of the local American Cancer Society, a former board member of the United Way of Westchester, and the past chairman of both the Community Hospital of Dobbs Ferry and the Youth Services Council. Currently, he is an active member of the Quad Village Rotary Club and serves on the executive committee board of St. John’s Riverside Hospital.
Securities Agent: NH, DC, WI, OH, MS, MI, HI, RI, PA, LA, SD, ME, UT, TN, NM, DE, IL, VA, NY, MD, FL, CA, AZ, VT, SC, OR, MA, KY, GA, NC, CO, WA, TX, CT, OK, NJ; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1255689
NMLS#: 1255689
About John Morrison
John is a dedicated and dynamic Financial Advisor at Morgan Stanley, bringing six years of experience to his role. As a CFP® professional, he specializes in crafting comprehensive investment, insurance, retirement, and estate planning strategies tailored to each client's unique needs. John's expertise lies in developing personalized financial plans that not only support a desired lifestyle but also ensure wealth preservation for future generations.
After graduating from Endicott College in 2014 with a Bachelor of Science in Business Administration, where he excelled as a varsity baseball pitcher, John immediately embarked on his career with Morgan Stanley. Over the years, he has fully embraced the firm's culture and leveraged its extensive resources to enhance the client experience. John's commitment to understanding his clients' goals and maintaining proactive communication underscores his dedication to their financial success.
John is particularly passionate about Impact Investing, a rapidly growing field that aligns financial returns with positive social and environmental outcomes. He believes in the power of investing in companies that are committed to making a meaningful difference in the world.
Residing in New York City, John is actively engaged in his community. He serves as a Chair on the Junior Committee for the Inner-City Scholarship Fund, contributing to initiatives that support children in need through educational and extracurricular programs. Outside of his professional and community endeavors, John is an avid sports enthusiast, with a keen interest in baseball, basketball, football, and golf.
After graduating from Endicott College in 2014 with a Bachelor of Science in Business Administration, where he excelled as a varsity baseball pitcher, John immediately embarked on his career with Morgan Stanley. Over the years, he has fully embraced the firm's culture and leveraged its extensive resources to enhance the client experience. John's commitment to understanding his clients' goals and maintaining proactive communication underscores his dedication to their financial success.
John is particularly passionate about Impact Investing, a rapidly growing field that aligns financial returns with positive social and environmental outcomes. He believes in the power of investing in companies that are committed to making a meaningful difference in the world.
Residing in New York City, John is actively engaged in his community. He serves as a Chair on the Junior Committee for the Inner-City Scholarship Fund, contributing to initiatives that support children in need through educational and extracurricular programs. Outside of his professional and community endeavors, John is an avid sports enthusiast, with a keen interest in baseball, basketball, football, and golf.
Securities Agent: FL, MI, WA, SC, NH, MS, ME, WI, RI, DC, TX, TN, SD, MD, MA, KY, GA, OH, NC, NY, CT, VT, OK, AZ, PA, OR, LA, HI, VA, UT, IL, CA, NM, DE, CO, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 1797195
NMLS#: 1797195
About Joanna Rrezja
Joanna Rrezja is a Financial Advisor and Certified Financial Planner at The Westchester Group. She began her career in financial services at Morgan Stanley in 2019, joining The Westchester Group in 2021. Her primary responsibilities include establishing and maintaining client relationships, with a special focus on financial planning to help meet client goals and objectives.
Like many, Joanna has had more than one successful career. After graduating from Pace University with a BBA in Finance, she spent years in luxury retail management, managing store for top brands like Saks Fifth Avenue, Alice + Olivia, and Vince. Her entrepreneurial spirit led her to launch Marak Boutique in 2019, an evening wear boutique in Dobbs Ferry, NY.
Her retail career began in sales as a Style Advisor. Much like a Financial Advisor builds portfolios for their clients based on their unique goals, risk appetite, and the financial climate, Joanna helped her clients with their fashion investments by building a wardrobe based on their lifestyle and body type. Her clients trusted her as their personal style expert, advising on fashion trends, and then personalizing them to fit their needs. However as she began moving up the ranks from sales to management and her responsibilities shifted to coaching and development of her staff, Joanna soon realized she missed her favorite part of the job - the client relationship aspect of retail sales. Her decision to pursue a career as a Financial Advisor was a natural transition based on her interest in helping others, seeing a need and desiring to meet it.
As a woman and first generation American born to Albanian immigrants, Joanna knows first-hand the challenges many face when planning for their future and reaching for financial independence. She is passionate about financial coaching and empowering women with financial literacy, with a special emphasis on divorcees. Joanna’s unique experiences and broad perspectives bring both the knowledge and empathy needed to help clients financially achieve what is most important to them. Once she has a complete understanding of her clients’ goals, Joanna then works closely with the team to implement financial plans integrated with informed portfolio management.
Outside of work, Joanna enjoys reading and getting outdoors. She has a keen interest in learning about different cultures, frequently traveling abroad. Originally from Westchester, Joanna now lives in Fairfield County, CT, and is an Ursuline School alumna.
Like many, Joanna has had more than one successful career. After graduating from Pace University with a BBA in Finance, she spent years in luxury retail management, managing store for top brands like Saks Fifth Avenue, Alice + Olivia, and Vince. Her entrepreneurial spirit led her to launch Marak Boutique in 2019, an evening wear boutique in Dobbs Ferry, NY.
Her retail career began in sales as a Style Advisor. Much like a Financial Advisor builds portfolios for their clients based on their unique goals, risk appetite, and the financial climate, Joanna helped her clients with their fashion investments by building a wardrobe based on their lifestyle and body type. Her clients trusted her as their personal style expert, advising on fashion trends, and then personalizing them to fit their needs. However as she began moving up the ranks from sales to management and her responsibilities shifted to coaching and development of her staff, Joanna soon realized she missed her favorite part of the job - the client relationship aspect of retail sales. Her decision to pursue a career as a Financial Advisor was a natural transition based on her interest in helping others, seeing a need and desiring to meet it.
As a woman and first generation American born to Albanian immigrants, Joanna knows first-hand the challenges many face when planning for their future and reaching for financial independence. She is passionate about financial coaching and empowering women with financial literacy, with a special emphasis on divorcees. Joanna’s unique experiences and broad perspectives bring both the knowledge and empathy needed to help clients financially achieve what is most important to them. Once she has a complete understanding of her clients’ goals, Joanna then works closely with the team to implement financial plans integrated with informed portfolio management.
Outside of work, Joanna enjoys reading and getting outdoors. She has a keen interest in learning about different cultures, frequently traveling abroad. Originally from Westchester, Joanna now lives in Fairfield County, CT, and is an Ursuline School alumna.
Securities Agent: CO, NY, KY, AZ, OH, MI, CA, VA, TN, OR, NM, MS, MA, IA, UT, SC, ME, FL, DC, WA, VT, MD, CT, SD, OK, HI, MO, WI, RI, NC, GA, DE, TX, PA, NH, MN, IL, NJ, LA, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 2151733
NMLS#: 2151733
About Melissa Bednarczyk
Melissa Bednarczyk is a seasoned financial professional who has been a valuable member of Morgan Stanley since 2009. With over 18 years of experience working alongside esteemed colleagues John Morrison and Greg Fisk, Melissa has honed her expertise in the financial industry. She began her career at American Express Financial Advisors, where she developed a strong foundation in financial services.
Prior to joining Morgan Stanley, Melissa spent four years at JPM Private Bank, where she specialized in serving ultra-high-net-worth clients, further enhancing her skills in wealth management and client relations. She holds a Bachelor of Science in Finance from Mercy University and an MBA with a concentration in finance. Additionally, Melissa is licensed with both the Series 7 and Series 66.
Melissa is known for her dedication to building strong client relationships and fostering team collaboration. Her strong ethical standards and client-focused approach have earned her a reputation for excellence in her field. As a support professional, Melissa plays a crucial role in assisting with administrative tasks and facilitating communication between clients and financial advisors.
Outside of her professional life, Melissa resides in Yonkers with her two children, Madison and Lucas, and their dog, Henry. She is actively involved in her community, volunteering and serving on the leadership committee for Blood Cancer United. In her leisure time, Melissa enjoys attending concerts and traveling with friends and family.
Prior to joining Morgan Stanley, Melissa spent four years at JPM Private Bank, where she specialized in serving ultra-high-net-worth clients, further enhancing her skills in wealth management and client relations. She holds a Bachelor of Science in Finance from Mercy University and an MBA with a concentration in finance. Additionally, Melissa is licensed with both the Series 7 and Series 66.
Melissa is known for her dedication to building strong client relationships and fostering team collaboration. Her strong ethical standards and client-focused approach have earned her a reputation for excellence in her field. As a support professional, Melissa plays a crucial role in assisting with administrative tasks and facilitating communication between clients and financial advisors.
Outside of her professional life, Melissa resides in Yonkers with her two children, Madison and Lucas, and their dog, Henry. She is actively involved in her community, volunteering and serving on the leadership committee for Blood Cancer United. In her leisure time, Melissa enjoys attending concerts and traveling with friends and family.
About James Rapaccioli
James is a valuable asset to the Westchester group, bringing over 13 years of experience since beginning his career at Morgan Stanley in 2013. He excels in fostering strong client relationships and creating a comprehensive wealth management experience for the team's clients. James is dedicated to crafting tailored financial plans for high-net-worth individuals, their families, and their businesses, helping guide them in achieving both their short-term and long-term financial objectives.
Residing in New Rochelle, NY, James enjoys spending time with his wife and son and attending New York Giants football games. He is an alumnus of Fordham University’s Gabelli School of Business, where he earned a Bachelor of Science in Business Administration with dual concentrations in Finance and Accounting. Additionally, James is a graduate of Fordham Preparatory School.
Residing in New Rochelle, NY, James enjoys spending time with his wife and son and attending New York Giants football games. He is an alumnus of Fordham University’s Gabelli School of Business, where he earned a Bachelor of Science in Business Administration with dual concentrations in Finance and Accounting. Additionally, James is a graduate of Fordham Preparatory School.
About Sandrina Vieira
Sandrina Vieira is a dedicated Portfolio Associate with The Westchester Group at Morgan Stanley in Purchase, NY, bringing 21 years of experience to her role. She provides invaluable support to both clients and her team, expertly coordinating client meetings, preparing detailed reports, overseeing client services, and managing the team's administrative responsibilities.
Sandrina began her career as a Private Client Associate and Operations Manager at Janney Montgomery Scott, LLC, in Purchase, NY. Her extensive experience in client relations and operations management has been instrumental in her success at Morgan Stanley. She currently holds active FINRA Series 7 and 66 licenses.
Sandrina earned her Bachelor of Science degree from St. Thomas Aquinas College in Sparkill, NY, majoring in Psychology and minoring in Language Arts. Her fluency in English, Portuguese, and Spanish allows her to connect with a diverse client base, enhancing her ability to provide personalized service.
A lifelong resident of Westchester, NY, Sandrina is deeply committed to her community. She dedicates much of her time to helping others through her work with several non-profit organizations, including People Helping People NY. With a kind heart and tireless spirit, she helps bring food to those in need through midnight runs and community drives. She also mentors’ youth and young adults, inspiring them to give back and believe in their own potential. From organizing food, clothing, and toy drives to spreading hope across Westchester, Sandrina continues to make a difference one act of kindness at a time.
Sandrina began her career as a Private Client Associate and Operations Manager at Janney Montgomery Scott, LLC, in Purchase, NY. Her extensive experience in client relations and operations management has been instrumental in her success at Morgan Stanley. She currently holds active FINRA Series 7 and 66 licenses.
Sandrina earned her Bachelor of Science degree from St. Thomas Aquinas College in Sparkill, NY, majoring in Psychology and minoring in Language Arts. Her fluency in English, Portuguese, and Spanish allows her to connect with a diverse client base, enhancing her ability to provide personalized service.
A lifelong resident of Westchester, NY, Sandrina is deeply committed to her community. She dedicates much of her time to helping others through her work with several non-profit organizations, including People Helping People NY. With a kind heart and tireless spirit, she helps bring food to those in need through midnight runs and community drives. She also mentors’ youth and young adults, inspiring them to give back and believe in their own potential. From organizing food, clothing, and toy drives to spreading hope across Westchester, Sandrina continues to make a difference one act of kindness at a time.
About Jesemia Lawrence
Jesemia R. Lawrence is a Senior Registered Associate with The Westchester Group at Morgan Stanley, bringing over 25 years of experience in supporting wealth management teams. She is recognized for her professionalism, organizational skills, and dedication to providing clients with a seamless and attentive service experience.
Jesemia began her career at Dean Witter and has since supported advisory teams at Smith Barney and Oppenheimer & Co. Inc. She joined Morgan Stanley in 2019, marking a return to a firm where she started her career, demonstrating her long-standing commitment to excellence in client service and advisor support
Jesemia holds active FINRA Series 7 and Series 66 licenses, which qualify her to assist with a variety of investment-related tasks. She studied Business Administration at Westchester Community College, enhancing her foundation in client relations and financial operations
Operating with a client-first mindset, Jesemia is dedicated to upholding Morgan Stanley’s core values of putting clients first, acting with integrity, and fostering excellence. Her commitment to these principles ensures that clients receive the highest standards of professionalism and care.
Outside of work, Jesemia is a longtime resident of Westchester County. She enjoys cooking, high-rise gardening, and exploring the beaches of the Caribbean with her daughter, Dorothy. Jesemia is also active in her community, volunteering at local pantries and participating in The Sapphire Circle, a group of women professionals who support each other and give back to the community.
Jesemia began her career at Dean Witter and has since supported advisory teams at Smith Barney and Oppenheimer & Co. Inc. She joined Morgan Stanley in 2019, marking a return to a firm where she started her career, demonstrating her long-standing commitment to excellence in client service and advisor support
Jesemia holds active FINRA Series 7 and Series 66 licenses, which qualify her to assist with a variety of investment-related tasks. She studied Business Administration at Westchester Community College, enhancing her foundation in client relations and financial operations
Operating with a client-first mindset, Jesemia is dedicated to upholding Morgan Stanley’s core values of putting clients first, acting with integrity, and fostering excellence. Her commitment to these principles ensures that clients receive the highest standards of professionalism and care.
Outside of work, Jesemia is a longtime resident of Westchester County. She enjoys cooking, high-rise gardening, and exploring the beaches of the Caribbean with her daughter, Dorothy. Jesemia is also active in her community, volunteering at local pantries and participating in The Sapphire Circle, a group of women professionals who support each other and give back to the community.
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Awards and Recognition
Forbes America's Top Wealth Management Teams
2023-2024 Forbes America's Top Wealth Management Teams Source: Forbes.com (Awarded 2023-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year the award was issued.
Forbes Best-In-State Wealth Advisors
2020-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2020-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Five Star Wealth Advisor
Source: fivestarprofessional.com (Awarded 2025) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2025 Award: 9/18/2024 - 2/28/2025
2024 Award: 9/12/23 - 3/29/24
2023 Award: 9/12/22 - 3/31/23
2022 Award:10/11/21 - 4/8/22
2021 Award: 9/14/20 - 4/23/21
2020 Award: 10/14/19 - 4/24/20
2019 Award: 10/9/18 - 5/3/19
2018 Award: 10/23/17 - 5/10/18
2017 Award: 10/21/16 - 5/8/17
2016 Award: 12/7/15 - 5/11/16
2015 Award: 12/7/14 - 5/11/15
2014 Award: 12/7/13 - 5/11/14
2013 Award: 12/7/12 - 5/11/13
2012 Award: 12/7/11 - 5/11/12
Evaluation periods for all Five Star awards, broken down by market, can be found at https://www.fivestarprofessional.com/wmdisclosures
3
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Marianne Murphy
Private Banker
About Marianne Murphy
Marianne Murphy is a Private Banker serving Morgan Stanley Wealth Management offices in New York and Connecticut.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Marianne began her career in financial services in 2015 and joined Morgan Stanley in 2018 as an Associate Private Banker in Midtown Manhattan. Prior to joining the firm, she was a Commercial Credit Underwriting Officer at BNB Bank.
Marianne is a graduate of the Saint Francis College, where she received a Bachelor of Science in Economics and Finance. She lives in South Norwalk, Connecticut with her husband. Outside of the office, Marianne enjoys kayaking and is always catching the latest released movies or Yankees game.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Marianne began her career in financial services in 2015 and joined Morgan Stanley in 2018 as an Associate Private Banker in Midtown Manhattan. Prior to joining the firm, she was a Commercial Credit Underwriting Officer at BNB Bank.
Marianne is a graduate of the Saint Francis College, where she received a Bachelor of Science in Economics and Finance. She lives in South Norwalk, Connecticut with her husband. Outside of the office, Marianne enjoys kayaking and is always catching the latest released movies or Yankees game.
NMLS#: 1732135
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Wealth Management
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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
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A Simple Six-Step Retirement Checkup
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Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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Rational Investing in an Age of Uncertainty
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Creating customized financial strategies for the challenges that today’s families face.
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529 Plans: A Powerful Tool to Save for Education
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
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Financial Planning for Life After Selling a Business
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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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,
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- Set themselves apart by offering comprehensive financial wellness benefits.
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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’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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Products 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.
6Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Annuities 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:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley’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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Products 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.
6Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Annuities 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:
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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
