Jason Whitney, CFP®
Financial Advisor
Phone:
(415) 955-1529(415) 955-1529
San Francisco Elements Group at Morgan Stanley
Direct:
(415) 955-1527(415) 955-1527
Toll-Free:
(800) 227-5152(800) 227-5152
Industry Award WinnerOur Mission Statement
Every stage of life presents each of us with a financial puzzle which requires discipline, creativity, and knowledge. Let us help prepare you, encourage you and empower you to meet each goal you set along the way.
Our Story
Discover our comprehensive Wealth Management Practice, specializing in retirement and estate planning, generational wealth transfer, education planning, and expert financial guidance. Seamlessly transition into retirement with customized strategies, safeguard your legacy through meticulous estate planning, and master the art of generational wealth transfer. Secure the future by tailoring education plans that empower the next generation. Trust our seasoned advisors to provide insightful, personalized financial advice, guiding you toward a successful financial journey. Embark on a transformative path with us, sculpting your dreams into reality.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Women in Charge
The Elements Group is focused on helping women build wealth. Our practice was founded by a woman who had the unique perspective and experience of helping other women for over 35 years with their retirement, estate planning, investments choices, charitable giving, insurance and cash management needs.
Our goal is to be a thoughtful financial advocate and partner for women, by carefully listening and offering personalized advice so that our women clients make the smartest long-term financial decisions.
Our goal is to be a thoughtful financial advocate and partner for women, by carefully listening and offering personalized advice so that our women clients make the smartest long-term financial decisions.
Planning for Your Financial Future
It’s natural to feel overwhelmed by all the life events we need to prepare for.
Feeling in control of your finances can propel you in so many other areas of your life, so you owe it to yourself to define your goals, start a dialogue with your loved ones and create a game plan. The modern face of wealth is female, so walk confidently into your financial future.
Women and WealthFeeling in control of your finances can propel you in so many other areas of your life, so you owe it to yourself to define your goals, start a dialogue with your loved ones and create a game plan. The modern face of wealth is female, so walk confidently into your financial future.
Invest For The Future
529 plans are flexible, tax-advantaged investment accounts with benefits beyond paying for education. They offer tax-free growth and withdrawal potential, gifting and estate planning opportunities and a high degree of control and versatility for the account owner.
Leverage these resources to showcase the versatility and benefits of a 529 plan.
Education Planning CenterLeverage these resources to showcase the versatility and benefits of a 529 plan.
Planning for a New Beginning
It is important to evaluate the impact divorce can have on both your personal and financial matters. This article will help you learn how to build a solid financial strategy that may help provide you with greater confidence and flexibility in the future.
Divorce: Planning for a New BeginningOur Approach Working With You
Our clients rely upon our investment guidance, not only for themselves, but for their businesses, the non-profits they work with, as well as other institutional enterprises in which they are involved. They value our advice on issues that may go far beyond investments to include questions relating to wealth transfer, liability management and equity compensation.
Our clients understand that we will only offer advice after discovering who they are as people, not just investors. That means asking the right questions about what they value, what they want their wealth to accomplish and what they believe the challenges may be.
Your goals, hopes and dreams are at the center of our work. That's why we'll plan to meet with you at length when you first begin working with us. We'll ask questions and listen to what you say matters. Once we fully understand your situation, we'll suggest ways to put your money to work.
Working with us, you can expect us to:
- Develop a detailed financial strategy based on your goals.
- Set up a long-term wealth plan.
- Take the emotion out of investing, so you can concentrate on what you enjoy.
- Be flexible. When changes come to your life, or in the market, we'll adjust your financial strategy accordingly.
Some of our work is best coordinated with your other key advisors. If you like, we can connect directly with your:
- Tax specialist
- Trust attorney
- Family office
ONLINE TOOLS AND FEATURES AVAILABLE TO YOU
Morgan Stanley strives to ensure it serves clients on its technology platforms that are resilient, safe, efficient, and smart. As a part of our services, these resources are readily available to all of our clients. Learn more about each tool and feature to see how it can easily help you manage and secure your financial journey.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Learn More About MSO
Total Wealth View
It’s hard to see the complete picture with only half the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
Learn More About Total Wealth View
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security
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.
Learn More About eDelivery
Morgan Stanley Mobile App
Securely access your Morgan Stanley account from virtually anywhere. Simply download it on your mobile device and use your Morgan Stanley Online username and password to log in. From there you will have the resources of MSO on the go.
Discover More With Our Mobile App
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Learn More About Digital Vault
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts. Our Spending and Budgeting Tool makes it easy for you and your Financial Advisor to see your complete financial picture.
Learn More About Our Online Tools
Portfolio Risk Platform
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Learn More About Managing RiskOur Services to You
The commitment of the San Francisco Elements Group lies in offering guidance to assist you in reaching your financial objectives.
Our aim is to comprehensively grasp your financial situation, enabling us to tailor a proactive wealth strategy that harmonizes your financial matters and investments. Our goal is not just to earn your trust through the high-caliber solutions we offer, but also through the exceptional manner in which we deliver them.
Wealth Management
At Morgan Stanley Wealth Management, exclusive access to vast resources, combined with our unique capabilities, gives us the means to support your goals at every life stage. We provide a range of solutions to meet you where you are—no matter your starting point or preferred investing approach. We understand that as family or institutional wealth increases, the implementation of investment strategies becomes increasingly complex and portfolios require close monitoring to remain within intended parameters.
Portfolio Management
We study investment trends and leverage the global resources of the firm to help you develop a personalized investment strategy. We'll develop a customized portfolio to meet your requirements for growth, income and wealth conservation within your risk constraints. Our experience, training and investment philosophy offer guidance—both in ongoing portfolio management decisions and understanding investment risk while keeping your long-term goals in view.
Retirement Planning
We are here to help you create a well-rounded planning approach for retirement and create your estate planning strategy designed to preserve, manage, and distribute your assets during and after your lifetime, while helping to minimize taxation. We are here to help manage your employer's retirement plan (e.g., 401(k) plan), identify your personal goals, track your progress toward achieving them and work together to create a customized plan.
Cash Management & Lending
As a client, you will have access to a suite of cash management solutions as a competitive alternative to a traditional bank. Through your Morgan Stanley Active Assets Account or CashPlus Brokerage Account, you can access a full suite of Cash Management Solutions to help you manage your everyday finances. Additionally, we're able to provide qualified clients with financing solutions for almost any personal or business need using the eligible securities in your brokerage account as collateral for a flexible line of credit.
Location
555 California St 35th
35th Floor
San Francisco, CA 94104
US
Direct:
(415) 955-1527(415) 955-1527
Toll-Free:
(800) 227-5152(800) 227-5152
Meet San Francisco Elements Group
Fernando Quezada, CFP®
Financial Advisor
Phone:
(415) 955-1518(415) 955-1518
Adriana Hihi
Registered Client Service Associate
Phone:
(415) 955-1598(415) 955-1598
Brenden Gedeon, CFA
Wealth Management Analyst
Phone:
(415) 984-6631(415) 984-6631
About Jason Whitney
As part of a family practice with decades of history, Jason Whitney brings a modern perspective to a legacy of trusted financial guidance. Having grown up watching his parents, Lori and David Whitney, build deep, multigenerational relationships with clients, Jason learned early that wealth management is ultimately about people—their aspirations, families, and legacies—not just their portfolios.
Now continuing and expanding that tradition, Jason steps into a leadership role on the team, helping the practice with a comprehensive, 360-degree family wealth model that integrates investment management, banking, and lending solutions. He believes true wealth is measured by confidence and the freedom to focus on what matters most, and he is committed to guiding clients through life’s milestones with empathy, clarity, and a steady hand, just as his parents did for decades.
Jason is a Certified Financial Planner™ professional and has been recognized as a two-time member of Morgan Stanley’s Pacesetter’s Club, which honors advisors for significant growth and dedication to clients early in their careers. He has also completed Morgan Stanley's rigorous Portfolio Management Certification program, enabling him to provide discretionary investment management tailored to each client.
Whether helping families plan for the next generation or navigating complex investment decisions, Jason’s goal remains the same: to be a trusted partner throughout each client’s journey.
Outside the office, you’ll find him working out at the Embarcadero YMCA where he's an advisory board member or standing directly in front of the sound booth at a concert with his wife Lizzie. Jason is always grateful for the opportunity to help and to grow alongside the people he's proud to call clients and friends.
NMLS #: 2421653
Now continuing and expanding that tradition, Jason steps into a leadership role on the team, helping the practice with a comprehensive, 360-degree family wealth model that integrates investment management, banking, and lending solutions. He believes true wealth is measured by confidence and the freedom to focus on what matters most, and he is committed to guiding clients through life’s milestones with empathy, clarity, and a steady hand, just as his parents did for decades.
Jason is a Certified Financial Planner™ professional and has been recognized as a two-time member of Morgan Stanley’s Pacesetter’s Club, which honors advisors for significant growth and dedication to clients early in their careers. He has also completed Morgan Stanley's rigorous Portfolio Management Certification program, enabling him to provide discretionary investment management tailored to each client.
Whether helping families plan for the next generation or navigating complex investment decisions, Jason’s goal remains the same: to be a trusted partner throughout each client’s journey.
Outside the office, you’ll find him working out at the Embarcadero YMCA where he's an advisory board member or standing directly in front of the sound booth at a concert with his wife Lizzie. Jason is always grateful for the opportunity to help and to grow alongside the people he's proud to call clients and friends.
NMLS #: 2421653
Securities Agent: AZ, VT, NC, PA, OH, NV, WI, TN, CO, TX, NM, WA, OR, MN, IL, VA, NE, HI, GA, DC, CA, NY, MA, NJ, IN, SD, MI, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 2421653
CA Insurance License #: 4203877
NMLS#: 2421653
CA Insurance License #: 4203877
About Fernando Quezada
Fernando Quezada is Financial Advisor with the San Francisco Elements Group at Morgan Stanley. Fernando’s passion for helping families plan for their future, and his ability to build strong relationships with clients have been the driving factors of Fernando’s career in the industry. He began his career in Financial Services as an intern at Merrill Lynch, while simultaneously earning his degree in Economics from the University of California, Irvine. In August of 2017, Fernando joined UBS as a client service representative. After five successful years at UBS, Fernando joined Morgan Stanley and the San Francisco Elements Group in January of 2023.
Fernando believes that delivering exceptional client service requires intentionality and attention to detail. He is dedicated to ensuring a seamless experience for the individuals he works with, recognizing the importance of the trust that clients place in his team to help them make important decisions. Fluent in Spanish, Fernando is equipped to provide excellent service to a diverse range of clients.
Fernando currently resides in San Francisco and enjoys exploring the city, trying new restaurants, and going to live concerts in his free time.
As always, if you have any questions about this event or how your portfolio may be impacted, please don't hesitate to reach out. Let's find a time to talk.
Fernando believes that delivering exceptional client service requires intentionality and attention to detail. He is dedicated to ensuring a seamless experience for the individuals he works with, recognizing the importance of the trust that clients place in his team to help them make important decisions. Fluent in Spanish, Fernando is equipped to provide excellent service to a diverse range of clients.
Fernando currently resides in San Francisco and enjoys exploring the city, trying new restaurants, and going to live concerts in his free time.
As always, if you have any questions about this event or how your portfolio may be impacted, please don't hesitate to reach out. Let's find a time to talk.
Securities Agent: KS, CA, OR, NY, NM, NE, IA, OK, NV, FL, PA, MT, MN, NC, IL, GA, DC, AZ, AR, AK, VT, VA, OH, MD, DE, AL, WI, WA, VI, TX, NJ, MS, MI, ME, ID, CT, CO, RI, HI, WY, UT, TN, SD, NH, MO, LA, IN, WV, SC, PR, ND, MA, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 2711088
CA Insurance License #: 4461626
NMLS#: 2711088
CA Insurance License #: 4461626
About Adriana Hihi
Adriana is a Registered Client Service Associate with the San Francisco Elements Group at Morgan Stanley. She is an East Bay Area native, and a UC Davis graduate with a Bachelor of Science in Managerial Economics.
Adriana joined Morgan Stanley in 2022, where she now enjoys building relationships with clients and making a positive impact on the lives of families she works with.
Adriana is a devoted fan of the San Francisco Giants and has an interest in winemaking.
Adriana joined Morgan Stanley in 2022, where she now enjoys building relationships with clients and making a positive impact on the lives of families she works with.
Adriana is a devoted fan of the San Francisco Giants and has an interest in winemaking.
About Brenden Gedeon
Brenden joined the SF Elements group in 2025 as a Wealth Management Analyst. He was previously in a client service-focused role for a Morgan Stanley team based out of Holladay, UT.
Brenden graduated from California State University, East Bay, with a degree in Economics.
He holds a Chartered Financial Analyst (CFA) designation, widely regarded as one of the highest distinctions in the investment management profession.
A Bay Area native, Brenden has recently moved back home after living in Utah for 3 years. He is excited to re-discover what the Bay Area has to offer, including the cuisines, comedy shows, and plenty of local sporting events.
Brenden graduated from California State University, East Bay, with a degree in Economics.
He holds a Chartered Financial Analyst (CFA) designation, widely regarded as one of the highest distinctions in the investment management profession.
A Bay Area native, Brenden has recently moved back home after living in Utah for 3 years. He is excited to re-discover what the Bay Area has to offer, including the cuisines, comedy shows, and plenty of local sporting events.
Contact Jason Whitney
Contact Fernando Quezada
Hear From Our Clients
I highly commend the exceptional responsiveness of the Elements Group, who consistently provide timely solutions to our inquires. Their personal approach in getting to know us and fine-tuning our financial strategy has been invaluable. We have regular reviews and proactive adjustments that align with our evolving needs. The team’s knowledge has been crucial in developing our retirement roadmap and philanthropic initiatives, helping ensure both our future security and charitable goals are met.
John
Verified ClientApril 8, 2025
A few years ago, my wife and I sought a more professional, holistic financial advisor and were referred to the SF Elements Group at Morgan Stanley. Their methodical, transparent approach, along with the knowledge of their team, set them apart. They helped us consolidate, simplify, and optimize our portfolio while addressing estate planning, tax efficiency, and charitable strategies. Their strategic guidance and exceptional service have earned our trust we highly recommend the Elements Group.
Dan
Verified ClientApril 7, 2025
I am grateful for the guidance that I have received from SF Elements Group.
They understand my goals and needs and are knowledgeable and always professional and available.
Thanks to their advice and proactive communication I have made significant progress towards my goals.
Doreen
Verified ClientApril 6, 2025
Testimonial(s) are solicited by Morgan Stanley Wealth Management Canada and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
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Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2024-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
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
Sydney Milewski
Planning Associate
About Sydney Milewski
Sydney is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, she collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, she will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Sydney provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
She earned her undergraduate degree from the University of California, Santa Barbara and received the Financial Planning Specialist® designation from the College for Financial Planning. Sydney is originally from Los Angeles, CA and currently resides in New York, NY.
She earned her undergraduate degree from the University of California, Santa Barbara and received the Financial Planning Specialist® designation from the College for Financial Planning. Sydney is originally from Los Angeles, CA and currently resides in New York, NY.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
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.
When 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.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.
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.
When 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.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
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
Ready to start a conversation? Contact San Francisco Elements 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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 does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan 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.
5When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan 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
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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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*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.
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Awards Disclosures | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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 does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan 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.
5When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan 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
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 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.
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
