Melissa Whitney
Managing Director, Financial Advisor, Corporate Cash Investment Director, Portfolio Manager, International Client Advisor
Phone:
(650) 856-4561(650) 856-4561
The Whitney Group at Morgan Stanley
Direct:
(650) 856-4560(650) 856-4560
Our Mission Statement
To serve as a trusted extension of your treasury team, bringing the experience, judgment, and responsiveness needed to protect your cash and support your business objectives.
ABOUT THE WHITNEY GROUP AT MORGAN STANLEY
Managing corporate cash involves more than earning competitive returns. It requires protecting principal, maintaining liquidity, and managing risk. For three decades Melissa Conroy Whitney, Managing Director, Financial Advisor, Corporate Cash Investment Director, and International Client Advisor has helped corporate leaders oversee one of their organization's most important asserts—their cash—bringing the experience, judgment, and responsiveness needed to serve as an extension of their treasury teams.
Melissa and her team provide clients with the market experience to anticipate liquidity needs, develop proactive cash management strategies, and adapt to changing market conditions while overseeing appropriate cash investment solutions.
Her goal is to become a long-term treasury collaborator rather than simply an outside advisor, understanding how treasury decisions can support corporate strategy, while aiming to control credit, interest rate, counterparty, and operational risks. She provides clear, timely communication with the CFO, treasury staff, audit committee, and board, along with the responsiveness clients expect from an advisor who functions as an extension of their own treasury team.
Leveraging the resources and capabilities of Morgan Stanley, The Whitney Group helps clients evaluate cash management relationships, negotiate competitive cash management and deposit arrangements, access high-credit-quality, investment solutions, and develop scalable cash management strategies.
"Every treasury decision should support both today's operational needs and tomorrow's strategic objectives."
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WHY CORPORATE CASH MANAGEMENT MATTERS
Corporate cash management is the disciplined, active management of excess cash on a company's balance sheet, with a safety-first emphasis on capital preservation and liquidity; return/yield is secondary and must be pursued within those boundaries. Done well, it aims to help ensure the company has sufficient access to cash for day-to-day operations and foreseeable needs, while aligning investment activity to the company's time horizon, cash-flow requirements, and risk profile.
A sound approach typically starts by explicitly defining what the cash is for—often by segmenting liquidity into:
- Operating cash (0–90 days): short-term horizons and high liquidity for day-to-day needs (often with same-day settlement options such as money market funds).
- Core cash (3–12 months): capital preservation with access to cash on an as-needed basis.
- Strategic cash (1–3 years): longer-term excess liquidity where return optimization can be considered, subject to the company's guidelines and planned use of funds.
This segmentation creates a practical framework to match investment choices and duration to business needs rather than treating all cash the same.
Why companies need to pay attention to it
Corporate cash management is not "set it and forget it." The materials emphasize that prudent cash management is complex, with growing focus on corporate governance and risk management. A "sound corporate cash management strategy" is described as essential for companies at any stage of growth—and it's also positioned as something investors and other key stakeholders increasingly demand. Companies also face changing market and liquidity conditions. A disciplined process incorporates:
- upfront understanding of cash-flow needs and liquidity objectives,
- due diligence on existing investments and the company profile,
- evaluation of the interest-rate and macro environment,
- implementation of a portfolio aligned to guidelines,
- ongoing review, monitoring, and reporting so decision-makers have timely visibility and can make informed decisions.
Why the right team matters
Because governance, risk controls, and day-to-day execution quality are central to corporate cash outcomes, the "right team" is defined less by a product list and more by whether they can consistently deliver a complete, policy-driven lifecycle:
An Investment Policy Statement (IPS) is the cornerstone of effective cash management. The right partner should be able to help with creation and ongoing review of an IPS tailored to the organization—and then actively use it to align permitted allocations and duration parameters with operating needs and the market environment.
Customization to company-specific needs. Corporate cash solutions are designed to be customized (e.g., short-duration fixed income portfolios built around liquidity guidelines, income goals, and risk profile) and adaptable as markets and company circumstances change. Clear choice of operating model. Companies often need flexibility in governance and control. Morgan Stanley Corporate Cash Management is offered through two platforms:
- Advisory (discretionary) solutions (managed)
- Self-directed (non-discretionary) solutions - The right team helps match the platform to the company's preferred level of involvement.
Execution and infrastructure. Strong trading/execution capabilities and a resilient platform matter for implementation and ongoing portfolio management. The dedicated point of contact (Cash Director) is intended to function as an extension of the treasury team to make the job easier and more efficient.
Monitoring and reporting to support governance. Ongoing monitoring and reporting are positioned as core—providing visibility into the portfolio and helping support policy compliance oversight. We offer audit-ready, independent reporting and independent monitoring of Investment Policy compliance, with support for U.S. GAAP and IFRS reporting upon request.
WHAT IS A CORPORATE CASH INVESTMENT DIRECTOR AT MORGAN STANLEY?
A Corporate Cash Investment Director is a Morgan Stanley liquidity advisor who focuses on the disciplined investment and management of corporate and institutional cash, emphasizing capital preservation, liquidity and safety, with yield pursued within a safety-first framework. CCIDs create customized, company-specific, short-duration fixed income portfolios designed to align with an organization's liquidity objectives, time horizon, cash flow needs and risk guidelines.
Why It's Important To Work With One
Corporate cash strategy is increasingly important to investors and key stakeholders. Working with a dedicated CCID aims to help organizations implement a structured approach that can evolve as markets and client circumstances change—supported by a single point of contact designed to function as an extension of your treasury team.
What Sets Melissa Whitney Apart
Melissa partners with your finance team to develop and execute a bespoke approach to balance-sheet cash management—through a single point of contact—aligned to your liquidity objectives, time horizon, cash flow needs, and risk guidelines. Melissa and her team can bring a Corporate Cash Management approach that combines tailored solutions, platform flexibility, and institutional infrastructure, including:
- Two platform options to match your preferred level of involvement: advisory (discretionary) and self-directed (non-discretionary)
- Customized solutions designed around your organization's guidelines, including fiduciary managed portfolios and self-directed brokerage solutions
- Investment Policy Statement (IPS) support: Assistance with creation and ongoing review; the IPS is the cornerstone of effective cash management
- Open-architecture access to institutional money market funds
- Trading & execution depth, including ~$450B in notional annual trade execution, a global network of 400+ vetted counterparties, and dedicated fixed income traders
- Audit-ready, independent reporting through Clearwater Analytics, including automated data aggregation, reconciliation/validation, and independent monitoring of Investment Policy compliance (U.S. GAAP and IFRS reporting available upon request)
Investment Policy Statement (IPS) & Cash Segmentation
An Investment Policy Statement (IPS) is the cornerstone of effective cash management. Our process includes helping with the creation and ongoing review of an Investment Policy tailored to your organization's needs. We also commonly align investments to liquidity purpose (e.g., Operating, Core, Strategic cash) so the approach matches cash flow volatility, time horizon and objectives.
Location
1400 Page Mill Road
Palo Alto, CA 94304
US
Direct:
(650) 856-4560(650) 856-4560
Meet The Whitney Group
Joenah Norasing
Vice President, Director of Business Strategy
Phone:
(650) 856-4562(650) 856-4562
Eric Castillo
Assistant Vice President, Business Development Director
Phone:
(650) 856-4563(650) 856-4563
Dino Marraccini
Wealth Management Analyst
Phone:
(650) 856-4564(650) 856-4564
About Me
Melissa Conroy Whitney has focused exclusively on corporate cash management throughout her 30 years in financial services. She follows a conservative approach, understanding that while returns are significant, the crucial function of corporate cash is liquidity.
Having experienced three decades of market trends and worked with numerous clients, she believes in the need to sync economic trends, business strategies, and liquidity needs. She sees her role as an extension of her clients’ teams, not just an advisor. She aims to function as a collaborative member of the treasury team, striving to be accessible to quickly address both expected and unforeseen client needs.
After graduating with a B.S. in business from Providence College, she went on to earn an MBA, specializing in Finance, from the University of Notre Dame. She entered the financial service industry at the mortgage trading support desk of Lehman Brothers in New York, eventually moving to San Francisco and the firm’s institutional sales desk, and in 2000 joining the corporate cash management team. After a stint with Deutsche Bank, she joined J.P. Morgan where she was a Managing Director. She joined Morgan Stanley in 2026.
She was born in New Jersey and moved with her family to the San Francisco area in 1997. Melissa and her husband currently live in Oakland and are part owners of Longfellow Wine Company. While their three children are now grown, her family still enjoys traveling together whenever possible.
Having experienced three decades of market trends and worked with numerous clients, she believes in the need to sync economic trends, business strategies, and liquidity needs. She sees her role as an extension of her clients’ teams, not just an advisor. She aims to function as a collaborative member of the treasury team, striving to be accessible to quickly address both expected and unforeseen client needs.
After graduating with a B.S. in business from Providence College, she went on to earn an MBA, specializing in Finance, from the University of Notre Dame. She entered the financial service industry at the mortgage trading support desk of Lehman Brothers in New York, eventually moving to San Francisco and the firm’s institutional sales desk, and in 2000 joining the corporate cash management team. After a stint with Deutsche Bank, she joined J.P. Morgan where she was a Managing Director. She joined Morgan Stanley in 2026.
She was born in New Jersey and moved with her family to the San Francisco area in 1997. Melissa and her husband currently live in Oakland and are part owners of Longfellow Wine Company. While their three children are now grown, her family still enjoys traveling together whenever possible.
Securities Agent: CT, RI, TX, OK, NM, NC, LA, KS, VT, NV, MS, AZ, MO, IN, WI, KY, GA, DE, WA, TN, MN, ME, WY, VA, SD, NY, NH, ID, SC, OH, NJ, MT, AR, AK, VI, UT, OR, ND, MD, IL, IA, FL, CO, CA, AL, PA, NE, WV, PR, MI, MA, DC; General Securities Representative; Investment Advisor Representative
About Joenah Norasing
Joenah Norasing understands successful treasury relationships depend on careful execution and attention to detail as much as strategic guidance. Joenah coordinates client requests, internal resources, and ongoing projects, aiming to help ensure clients receive responsive service in support of their broader cash management objectives. He is committed to understanding each client's unique needs.
Joenah has more than 20 years of experience in financial services. He began his career in the Operations division of JPMorgan's Commercial Banking business in Ohio. After several years running his own business, he relocated to San Francisco and returned to JPMorgan as a Client Service and Investment Associate before joining Morgan Stanley in 2026.
A graduate of The Ohio State University with a degree in Finance and Financial Management Services, Joenah lives in San Francisco with his wife. Together they enjoy exploring the city's vibrant cultural offerings and spending time outdoors.
Joenah has more than 20 years of experience in financial services. He began his career in the Operations division of JPMorgan's Commercial Banking business in Ohio. After several years running his own business, he relocated to San Francisco and returned to JPMorgan as a Client Service and Investment Associate before joining Morgan Stanley in 2026.
A graduate of The Ohio State University with a degree in Finance and Financial Management Services, Joenah lives in San Francisco with his wife. Together they enjoy exploring the city's vibrant cultural offerings and spending time outdoors.
About Eric Castillo
Eric Castillo believes that effective treasury support depends on seamless coordination behind the scenes. Eric aims to help ensure account activity, documentation, and operational requests are handled accurately and efficiently, while coordinating with clients and internal resources to keep projects moving forward. He enjoys helping clients navigate complex situations and finding practical solutions to unique challenges.
Eric built his decade long financial services career at JPMorgan, first as a Banker and Small Business Specialist with JPMorgan in Danville and later as a Client Service and Investment Associate in San Francisco. He joined Morgan Stanley in 2026.
Born and raised in Oakland, Eric earned both his bachelor's degree in Finance and his MBA from San José State University. He continues to call Oakland home, where he enjoys spending time with his family, finding great food spots through the Bay Area, and dancing salsa and bachata.
Eric built his decade long financial services career at JPMorgan, first as a Banker and Small Business Specialist with JPMorgan in Danville and later as a Client Service and Investment Associate in San Francisco. He joined Morgan Stanley in 2026.
Born and raised in Oakland, Eric earned both his bachelor's degree in Finance and his MBA from San José State University. He continues to call Oakland home, where he enjoys spending time with his family, finding great food spots through the Bay Area, and dancing salsa and bachata.
About Dino Marraccini
Dino Marraccini knows helping clients experience the responsiveness of an integrated treasury partner begins with exceptional service. Dino focuses on providing prompt communication and proactive follow-up, striving to help ensure client questions are answered promptly and requests are handled efficiently. He strives to provide whatever assistance is needed to overcome a client problem.
Dino began his financial services career with Merrill Lynch, serving as an Operations Representative supporting high-net worth clients. He later joined JPMorgan as a Client Associate, where he increasingly focused on serving corporate clients. He came to Morgan Stanley in 2026.
A graduate of University of California, Davis with a degree in economics, Dino grew up in the East Bay. His family has lived in and around San Francisco for generations. While he loves going on day trips, he’s always eager to return to his current home in North Beach for a great Italian meal.
Dino began his financial services career with Merrill Lynch, serving as an Operations Representative supporting high-net worth clients. He later joined JPMorgan as a Client Associate, where he increasingly focused on serving corporate clients. He came to Morgan Stanley in 2026.
A graduate of University of California, Davis with a degree in economics, Dino grew up in the East Bay. His family has lived in and around San Francisco for generations. While he loves going on day trips, he’s always eager to return to his current home in North Beach for a great Italian meal.
Contact Melissa Whitney
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact The Whitney Group today.
1Morgan 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley’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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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 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.
6Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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 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.
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.
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
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley’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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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 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.
6Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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 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.
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.
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
CRC 4665150 (8/2025)