William Whitfield, CFP®
Senior Vice President, Financial Advisor, Executive Financial Services Director, Portfolio Management Director
Phone:
(781) 681-4939(781) 681-4939
Our Mission Statement
Guided by trust and excellence, we strive to empower your financial journey with personalized strategies and professional insights. Our aim is to support your pursuit of financial success by aligning our services with your unique goals and values, fostering clarity and confidence in every decision.
Our Story and Services
At The Whitfield Group, our story is rooted in family, shared vision, and a deep commitment to helping clients build, preserve, and enjoy their wealth. As brothers, we always imagined a future where we could combine our complementary strengths and shared values into one unified practice. That vision became a reality in 2024 with the launch of The Whitfield Group.
With decades of combined experience and a foundation built on trust, our practice is designed to support the sophisticated needs of families, high-net-worth individuals, and business owners. We provide clients with comprehensive, personalized wealth management that goes beyond numbers—offering thoughtful guidance through life’s transitions, market shifts, and major financial decisions.
William (‘Bill’) Whitfield, a Certified Financial Planner™ and Executive Financial Services Director, specializes in working with executives—particularly those managing stock options and equity compensation—to create integrated plans aligned with their personal and professional goals.
Robert (‘Bob’) Whitfield, a Certified Financial Planner™, brings extensive experience in serving high net-worth individuals and their families, as well as successful business owners and executives, with a focus on planning (e.g., pre-liquidity planning, financial planning, retirement planning, tax & estate planning).
Our practice is built on a goals-based planning process, world-class service, and the belief that successful wealth management starts with understanding what matters most to each client. Backed by the global strength and resources of Morgan Stanley, we work together to deliver clarity, confidence, and a clear path forward.
Our goal is simple: to help you navigate your financial life with confidence, backed by the strength of our team and the resources of Morgan Stanley - and at The Whitfield Group, it’s not just business—it’s personal.
With decades of combined experience and a foundation built on trust, our practice is designed to support the sophisticated needs of families, high-net-worth individuals, and business owners. We provide clients with comprehensive, personalized wealth management that goes beyond numbers—offering thoughtful guidance through life’s transitions, market shifts, and major financial decisions.
William (‘Bill’) Whitfield, a Certified Financial Planner™ and Executive Financial Services Director, specializes in working with executives—particularly those managing stock options and equity compensation—to create integrated plans aligned with their personal and professional goals.
Robert (‘Bob’) Whitfield, a Certified Financial Planner™, brings extensive experience in serving high net-worth individuals and their families, as well as successful business owners and executives, with a focus on planning (e.g., pre-liquidity planning, financial planning, retirement planning, tax & estate planning).
Our practice is built on a goals-based planning process, world-class service, and the belief that successful wealth management starts with understanding what matters most to each client. Backed by the global strength and resources of Morgan Stanley, we work together to deliver clarity, confidence, and a clear path forward.
Our goal is simple: to help you navigate your financial life with confidence, backed by the strength of our team and the resources of Morgan Stanley - and at The Whitfield Group, it’s not just business—it’s personal.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Cash Management and Lending ProductsFootnote3
- 529 PlansFootnote4
- Estate Planning StrategiesFootnote5
- Donor Advised Funds
- Business PlanningFootnote6
- Executive Financial ServicesFootnote7
- Professional Portfolio ManagementFootnote8
- Stock Plan ServicesFootnote9
- Alternative InvestmentsFootnote10
- Trust AccountsFootnote11
- Municipal BondsFootnote12
- Fixed IncomeFootnote13
- Asset Management
- Life InsuranceFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Client Resources
We encourage clients to leverage the modern wealth tools and client resources that Morgan Stanley offers to enhance their wealth management experience. Please take a look below to explore the resources available to you.
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 the robust market research. The Morgan Stanley Mobile App provides clients with access to their accounts in just a few taps.
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.
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.
CashPlus
Manage your cash with Morgan Stanley's CashPlus brokerage account. Enjoy a seamless digital experience, zero cash management fees, and more value and protection.
Reserve Living & Giving
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The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Make the most out of your equity awards
Equity awards can be one of the most powerful ways to build long-term wealth, but they can also be complex. We work with clients to help them make sense of their company granted stock options, RSUs and employee stock purchase plan, turning these opportunities into intentional part of a broader financial strategy. Whether it's understanding vesting schedules, managing tax considerations, or building a plan to diversify over time, we will help you make confident, informed decisions that align with your goals.
- Equity Compensation Services
- Equity Award Analysis
- Specialized Solutions
Executive Services
While business leaders are busy driving change for their companies, we help them navigate the complexities that come with executive-level equity compensation. We provide concierge-level support — from 10b5-1 trading plans to Form 144 filings, access to specialized wealth-management strategies, and personalized tax-optimization approaches. Our goal is to help clients move with clarity and confidence as their financial needs evolve.
Some of our services include:
Types of Equity Awards
Equity awards show up in different forms, each with its own opportunities and tax considerations. We help clients clearly understand how these awards fit into their bigger financial picture — from Restricted Stock Units (RSUs) that vest over time, to Stock Options that offer potential upside, to Employee Stock Purchase Plans (ESPPs) that allow employees to buy shares at a discount. By breaking down the mechanics behind each award, we help clients make informed decisions about when to hold, sell, or diversify so their equity works in alignment with their long-term goals.
Vesting & Tax Implications
As equity awards begin to vest, taxes and timing suddenly matter a lot more than people expect. We help clients stay ahead of those moments by breaking down what happens when shares vest, how different award types are taxed, and what strategies help them keep more of what they've earned. From planning around vesting schedules to managing capital gains exposure, our goal is to turn complex tax rules into confident, actionable decisions.
Liquidity & Diversification Strategies
When too much of someone's net worth is tied up in a single company's stock, balance becomes essential. We help clients turn concentrated equity into more diversified, resilient portfolios without losing sight of their goals.
Whether it's building a structured 10b5-1 selling plan, managing liquidity events, or aligning sales with appropriate tax considerations, we guide clients step-by-step, so they stay informed throughout the process.
Equity Award Analysis — What You Can Expect
Equity awards can significantly shape long-term wealth — but only if they're used strategically. We help clients explore ways to make the most of their awards today while preparing for the future, including charitable giving strategies and donor-advised funds.
Our goal is to align equity decisions with the bigger financial picture, maximizing impact while mapping out what comes next.
Compliance & Trading Windows
Timing is critical — especially for executives and insiders. We help clients confidently navigate blackout periods, insider-trading policies, and pre-clearance requirements.
With structured trading plans and clear guidance, we make sure clients understand the rules, stay compliant, and keep their financial plans on track.
How Equity Compensation Can Benefit the Ones You Love
Equity compensation can play a meaningful role in estate and legacy planning. We help clients understand how proper planning can ensure a smooth transition of assets and protect the people they care about most. Whether it's incorporating equity into a broader wealth-transfer strategy or preparing for future generational needs, we support clients in making thoughtful, informed decisions for their loved ones.
Specialized Guidance for Life's Most Important Financial Transitions
Life brings moments that call for clarity and trusted guidance. Whether you are planning your estate or exploring ways to optimize your family strategy, at The Whitfield Group we offer personalized support tailored to your goals. We take the time to understand what matters most to you - helping ensure your wealth continues to work in harmony with your life, your family, and your future.
Legacy & Estate Planning Strategies
Your legacy deserves a thoughtful plan. We you design strategies that preserve wealth, minimize tax exposure, and reflect your family's long-term vision. At The Whitfield Group we work through close coordination with estate professionals, we ensure your plan remains relevant as circumstances and laws evolve.
Trust Coordination
Trust can play a vital role in projecting assets and achieving generational goals. At The Whitfield Group we work with specialists to evaluate and coordinate trust structures, ensure they integrate seamlessly into your broader financial strategy while maintaining flexibility and control over your wealth.
Tax-Efficient Planning
Our team's deep investment and analytical expertise support strategies designed to enhance after tax-outcomes. From investing allocation to charitable giving, we help clients structure portfolios that balance growth potential with tax awareness and long-term efficiency.
Business Succession Plan
Preparing for the future of your business is essential to preserving both wealth and legacy. At The Whitfield Group we help owners create succession plans that align with family objectives, support smooth transitions, and address tax liquidity considerations with foresight and precision.
Estate Equalizations & Family Dynamics
Balancing financial fairness among family members can be complex. Our team help you identify strategies, including the use of insurance and trusts, to aim for equitable outcomes while maintaining family harmony and ensuring your intentions are honored.
GUIDANCE FOR BUSINESS OWNERS NAVIGATING GROWTH, TRANSITIONS, AND LIQUIDITY EVENTS
Running a business creates opportunity and complexity. The Whitfield Group works with business owners to align personal and business priorities, organize cash flow, and build a plan that supports both today's goals and long-term wealth.
Retirement Plans for Business Owners
Retirement plans can be one of the most effective tools a business owner has - both for building a long-term wealth and supporting employees. The Whitfield Group helps business owners evaluate retirement plan options like SEP IRAs, SIMPLE IRAs and 401(k) Plans to find structure that best matches the business's size, goals, and cash flow flexibility.
M&A Planning
M&A refers to the buying, selling, merging, or recapitalization of a business. When a potential transaction is in motion, the financial impact often extends beyond the deal itself - tax exposure, liquidity planning, diversification decision, and long-term family goals can change quickly. The Whitfield Group works with business owners to help them prepare for the personal wealth implications of an M&A event to decisions are anchored to the net outcome and the life you want after the transaction.
Exploring Liquidity Solutions and Planning for What Comes Next
A liquidity event - whether planned or unexpected - can change your financil picture quickly. The Whitfield Group helps clients explore liquidity solutions and build a strategy that supports short-term needs while staying aligned wiht long-term priorities.
What dilution means - and how to plan around it
Equity compensation can be a powerful wealth-building tool, but the details matter. One of the most common questions we hear is about equity dilution - what it is, why it happens, and how it can affect long-term outcomes. The Whitfield Group helps clients understand dilution in context so decisions are made with clarity and confidence.
Location
141 Longwater Drive
Ste 102
Norwell, MA 02061
US
Direct:
(781) 681-4900(781) 681-4900
Meet The Whitfield Group
Robert Whitfield, CFP®
Vice President, Financial Advisor
Phone:
(781) 681-4916(781) 681-4916
Denise Comeau
Portfolio Associate
About William J. Whitfield Jr.
My practice focuses on working closely with high-net-worth executives and their families to help ensure they have a solid understanding of their finances and an integrated approach to managing their wealth. Our goals-based process includes a tailored financial plan and a commitment to ongoing education and outstanding service. This commitment to clients has earned our practice recognition on the Forbes "America's Top Next Generation Wealth Advisors" in 2018, 2019 and 2022.*
I am a 2004 graduate of Stonehill College, where I majored in Finance and minored in Computer Information Systems. Soon after graduation, I began my financial services career at Merrill Lynch and joined Morgan Stanley in 2012. I hold my FINRA Series 7 and 66 licenses and earned my Certified Financial Planner designation in 2009. Morgan Stanley named me an Executive Financial Services Director in 2018. This credential has been earned by less than 2% of the firm's advisors and grants me access to an extensive array of resources designed specifically for corporate executives.
Over the years, I have built a successful practice, advising executives on how to effectively integrate valuable corporate benefits – specifically the management of their stock options and restricted stock – into their personal wealth plans. Through a goals-based process and Morgan Stanley's world-class service platform, our team works diligently to provide clients with clarity and confidence about their finances, so they may enjoy their wealth and help achieve their lifetime goals.
Originally from Stoughton, Massachusetts, I currently live in the south shore of MA with my wife, Lorena, and my five children. Outside of the office, I am active in various youth hockey organizations, donating my time in the area of player development. My favorite leisure activities include golf, hockey and spending time with family and friends.
*Forbes America's Top Next-Gen Wealth Advisors (2018, 2019, 2022)
Source: Forbes.com Forbes America's Top Next-Gen Wealth Advisors and Top Next-Gen Wealth Advisors Best-In-State ranking awarded. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from:
2022 Award (August 2022) - 3/31/21 - 3/31/22.
2019 Award (June 2019) - 3/31/18 - 3/31/19
2018 Award (July 2019) - 3/31/17 - 3/31/18
I am a 2004 graduate of Stonehill College, where I majored in Finance and minored in Computer Information Systems. Soon after graduation, I began my financial services career at Merrill Lynch and joined Morgan Stanley in 2012. I hold my FINRA Series 7 and 66 licenses and earned my Certified Financial Planner designation in 2009. Morgan Stanley named me an Executive Financial Services Director in 2018. This credential has been earned by less than 2% of the firm's advisors and grants me access to an extensive array of resources designed specifically for corporate executives.
Over the years, I have built a successful practice, advising executives on how to effectively integrate valuable corporate benefits – specifically the management of their stock options and restricted stock – into their personal wealth plans. Through a goals-based process and Morgan Stanley's world-class service platform, our team works diligently to provide clients with clarity and confidence about their finances, so they may enjoy their wealth and help achieve their lifetime goals.
Originally from Stoughton, Massachusetts, I currently live in the south shore of MA with my wife, Lorena, and my five children. Outside of the office, I am active in various youth hockey organizations, donating my time in the area of player development. My favorite leisure activities include golf, hockey and spending time with family and friends.
*Forbes America's Top Next-Gen Wealth Advisors (2018, 2019, 2022)
Source: Forbes.com Forbes America's Top Next-Gen Wealth Advisors and Top Next-Gen Wealth Advisors Best-In-State ranking awarded. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from:
2022 Award (August 2022) - 3/31/21 - 3/31/22.
2019 Award (June 2019) - 3/31/18 - 3/31/19
2018 Award (July 2019) - 3/31/17 - 3/31/18
Securities Agent: MD, NH, VA, SC, OH, WI, WA, VT, TX, TN, SD, RI, PA, OR, NY, NV, NJ, NC, MT, ME, MA, IN, IL, FL, DE, DC, CT, CO, CA, AZ, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 13783
NMLS#: 13783
About Robert D. Whitfield
Bob Whitfield is a Certified Financial Planner (CFP®) and Vice President, Financial Advisor at Morgan Stanley, where he co-founded The Whitfield Group with his brother, Bill Whitfield. Since joining the firm in December 2024, Bob has leveraged over a decade of wealth management experience to support high-net-worth individuals, business owners, executives, and charitable organizations. His experience lies in providing comprehensive wealth management services, including investment management, estate planning, asset preservation, and wealth transfer strategies.
Bob is dedicated to offering customized services and strategies tailored to each client’s unique circumstances. His offerings encompass traditional and alternative asset management, wealth transfer strategies, planned giving, and philanthropy. Additionally, Bob provides personalized guidance for business owners, addressing both personal and business financial objectives. He collaborates closely with executives to align their compensation, retirement planning, and long-term financial goals with their broader wealth strategies.
Bob graduated from Suffolk University in 2007 with a Bachelor of Business Administration in Management. He began his financial services career at Fidelity Investments and subsequently worked as a Private Client Advisor at Bank of America Private Bank (formerly U.S. Trust) before joining Morgan Stanley. Bob holds several professional licenses, including CFP®, NMLS, and FINRA Series 7, 63 and 66.
Originally from Stoughton, Massachusetts, Bob currently resides in Hingham with his wife Sarah, and their three children. Outside of the office, Bob enjoys spending quality time with his family, watching his daughters play sports, and golfing.
Bob is dedicated to offering customized services and strategies tailored to each client’s unique circumstances. His offerings encompass traditional and alternative asset management, wealth transfer strategies, planned giving, and philanthropy. Additionally, Bob provides personalized guidance for business owners, addressing both personal and business financial objectives. He collaborates closely with executives to align their compensation, retirement planning, and long-term financial goals with their broader wealth strategies.
Bob graduated from Suffolk University in 2007 with a Bachelor of Business Administration in Management. He began his financial services career at Fidelity Investments and subsequently worked as a Private Client Advisor at Bank of America Private Bank (formerly U.S. Trust) before joining Morgan Stanley. Bob holds several professional licenses, including CFP®, NMLS, and FINRA Series 7, 63 and 66.
Originally from Stoughton, Massachusetts, Bob currently resides in Hingham with his wife Sarah, and their three children. Outside of the office, Bob enjoys spending quality time with his family, watching his daughters play sports, and golfing.
Securities Agent: FL, WI, RI, MT, MA, CT, CA, AR, SD, OR, NY, MD, IL, DC, PA, NH, AZ, VT, NJ, CO, VA, NV, DE, TX, OH, WA, SC, NC, ME, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 1548784
NMLS#: 1548784
About Denise Comeau
Denise is a seasoned professional with over 15 years of experience in the financial sector, distinguished by her tenure in the field and commitment to excellence. Her career at Morgan Stanley began in 2010 as a Client Service Associate, where she quickly showcased her aptitude for the financial industry. Through her dedication and pursuit of professional growth, Denise earned the Series 7 and Series 66 Uniform Combined State Law licenses, which propelled her career forward.
Currently serving as a Portfolio Associate, Denise plays a pivotal role in delivering exceptional client service, a responsibility she finds deeply rewarding. Her focus on building and nurturing strong client relationships is central to her work. Collaborating closely with Bill and Bob Whitfield, Denise manages a diverse range of responsibilities, including account and practice administration, client onboarding, distribution management, account maintenance, and trading. Her comprehensive approach ensures the seamless operation of the group's activities and the satisfaction of their clients.
Denise's career trajectory is a testament to her unwavering dedication and commitment to client service. Her ability to adeptly manage a broad spectrum of responsibilities while maintaining strong client relationships underscores her value as an indispensable asset to her team and clients.
Currently serving as a Portfolio Associate, Denise plays a pivotal role in delivering exceptional client service, a responsibility she finds deeply rewarding. Her focus on building and nurturing strong client relationships is central to her work. Collaborating closely with Bill and Bob Whitfield, Denise manages a diverse range of responsibilities, including account and practice administration, client onboarding, distribution management, account maintenance, and trading. Her comprehensive approach ensures the seamless operation of the group's activities and the satisfaction of their clients.
Denise's career trajectory is a testament to her unwavering dedication and commitment to client service. Her ability to adeptly manage a broad spectrum of responsibilities while maintaining strong client relationships underscores her value as an indispensable asset to her team and clients.
Contact William Whitfield
Contact Robert Whitfield
Awards and Recognition
Forbes Top Next-Gen Wealth Advisors
2018-2019, 2022 Forbes America's Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors) Source: Forbes.com (Awarded 2018-2019, 2022). Data compiled by SHOOK Research LLC based on 12-month period concluding in March of the year the award was issued.
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
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Whitfield Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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
4Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
5Morgan 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.
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 (“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.
8Morgan 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.
9Morgan 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.
10Alternative 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.
11Morgan 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.
12Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
13Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
14Insurance 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:
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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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
4Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
5Morgan 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.
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 (“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.
8Morgan 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.
9Morgan 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.
10Alternative 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.
11Morgan 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.
12Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
13Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
