Our Story and Services

As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Client Resources

    Icon Image
    Wealth Management
    Let us work together to find the best way to help you manage and grow your wealth. Our fully customizable financial plans will put you on the path to achieving your financial goals.
    Click Here to Learn More
    Icon Image
    Retirement Planning
    To create a fully comprehensive plan, we will look at your past, current, and future financial goals and obligations. With this information, we will work with you to see that you can enjoy retirement at the age and capacities that you wish.
    Click Here to Learn More
    Icon Image
    Estate Planning Strategies
    Proper estate planning gives careful consideration to the estate owner’s future plans, preferences and goals. Let us work together to ensure a smooth transition of wealth to your heirs.
    Click Here to Learn More
    Icon Image
    Life Insurance
    Help provide financial protection for your loved ones by offering a death benefit that may replace income, cover living expenses, pay off debts, and support education or legacy goals if the unexpected occurs.
    Click Here to Learn More
    Icon Image
    Long Term Care Insurance
    Prepare now so you do not have to worry later. Make sure you have the funds needed to pay for any medical and non-medical needs later on in life.
    Click Here to Learn More
    Icon Image
    Cash Management
    Make sure that you access to your cash anywhere, anytime. Learn more about Cash Plus and the exclusive benefits offered though Morgan Stanley.
    Click Here to Learn More
    Icon Image
    Lending Products
    Looking to take out a mortgage, Liquidity Access Line, or some other specific lending product? Explore the possibilities of lending with Morgan Stanley.
    Click Here to Learn More
    Icon Image
    Tax Planning
    We will work with you to make sure you are paying the correct amount of taxes for your specific situation.
    Click Here to Learn More

Recent Outlooks & Market Updates

Morgan Stanley believes in providing their clients with up to date market data that they can access at any time, anywhere. Feel free to learn more about any of the topics below.
    Icon Image
    Thoughts on the Market Podcast
    Stay on top of the day’s key market drivers with Thoughts on the Market, Morgan Stanley’s podcast featuring quick, timely discussions on macro trends, equities, fixed income, currencies, commodities and sector themes. Episodes highlight what’s moving markets, why it matters, and the potential implications for investors—all in a concise, easy-to-follow format.
    Click Here to Learn More
    Icon Image
    2026 Investment Outlook
    Morgan Stanley’s Investment Outlook 2026 highlights the major forces expected to influence markets over the year ahead—covering macro and policy dynamics, inflation and rates, growth risks, and key opportunities across asset classes and regions. Use it to understand the “big themes” for 2026 and how they may translate into positioning considerations for diversified portfolios.
    Click Here to Learn More
    Icon Image
    Morgan Stanley Minute
    Explore timely analysis and thought leadership across investing, the economy, industries and emerging trends. Morgan Stanley Ideas brings together featured articles that help you connect the headlines to the themes shaping markets—so you can quickly identify what matters, why it matters and what to watch next.
    Click Here to Learn More
    Icon Image
    AI Adoption Accelerates: What a New Survey Reveals About Implementation and Impact
    AI is moving from experimentation to execution. Get a quick read on what the latest survey suggests about where adoption is speeding up, what’s motivating investment, and what may separate early winners from the rest—plus the questions decision-makers should be asking now.
    Click Here to Learn More

Giving Back

Philanthropy is something we try to live out in simple, practical ways. We don’t see it as a headline or a highlight; it’s an ongoing commitment to show up, lend a hand, and support people and communities in the ways we can. We focus on listening first, partnering where it’s helpful, and giving our time, talent, and resources with gratitude and respect for the work these organizations are already doing. We’re proud to be part of the effort, and we stay grounded in the idea that philanthropy is ultimately about people.
    Icon Image
    Scottish Rite for Children
    Scottish Rite for Children is a pediatric specialty hospital focused on treating children with complex orthopedic conditions and sports injuries, along with certain related arthritic, neurological, and learning disorders, including dyslexia. It is known for combining direct patient care with research, education, and innovation to help children improve mobility, function, and quality of life.
    Icon Image
    Cystic Fibrosis Foundation
    The Cystic Fibrosis Foundation is a national nonprofit dedicated to curing cystic fibrosis and supporting people living with CF through research, drug development, and improved care. A key part of its model is a nationwide network of more than 130 Cystic Fibrosis Foundation–accredited care centers that provide specialized CF care and disease management.
    Icon Image
    Doctors Without Borders (Médecins Sans Frontières)
    Doctors Without Borders (MSF) is an international medical humanitarian organization that delivers emergency medical assistance to people affected by armed conflict, disease outbreaks, natural or human-made disasters, and lack of access to health care. MSF states that it is independent, impartial, and neutral, and that it provides aid based on need, regardless of race, religion, gender, or political affiliation.
    Icon Image
    North Texas Food Bank
    The North Texas Food Bank is a hunger-relief organization serving North Texas by distributing food through a large network of feeding programs and partner agencies. Its stated service area includes 13 North Texas counties, supporting community-based efforts to address food insecurity at scale.
    Icon Image
    The Trevor Project
    The Trevor Project is a nonprofit focused on suicide prevention and crisis intervention for LGBTQ+ young people. It provides free, confidential crisis support 24/7 via phone, text, and chat, and states its mission is to end suicide among LGBTQ+ young people.
    Icon Image
    Zonta Club of Dallas
    Zonta Club of Dallas is a local service organization aligned with Zonta International’s global mission to build a better world for women and girls through service and advocacy. Through community engagement and member-led initiatives, the club supports efforts that uplift, encourage, and advance opportunities for women in its community.

WORKPLACE FINANCIAL BENEFITS WITH MORGAN STANLEY AT WORK

Our mission is to help your company elevate your workplace financial benefits—helping you to attract and retain top talent. Our end-to-end solutions support your company and employees at any stage of growth through a powerful combination of modern technology, insightful guidance, and dedicated service.

    Equity Solutions

    Equity ownership is a powerful motivator. Streamline equity management through our leading-edge technology and provide global audit-ready reporting and insights, alongside customizable participant experiences to engage and educate your employees on how to make the most of their benefits. Our global solutions support private and public companies at any stage of growth.

    • Equity Administration and Financial Reporting
    • Liquidity Events
    • 409A Valuation Services and Cap Table Management

    Learn more
    Retirement

    For your employees, retirement is more than a date in the future—it's a milestone that takes time, hard work, and the right tools. Through our consultative process, we strive to assist with the management of your fiduciary responsibilities and risk, simplify plan management, and help you improve retirement readiness for your employees.

    • Defined Contribution Consulting
    • Solutions-Oriented Plans
    • Fiduciary Investment Oversight

    Learn more
    Deferred Compensation

    Access a range of Nonqualified Deferred Compensation plan services or pick the ones that best fit your needs. We provide recordkeeping and plan design, portfolio construction services, and plan education for your executive talent. We help you determine the appropriate plan design and inform a funding strategy through a needs-based assessment and consultative approach.

    Services include:

    • Recordkeeping and Plan Design
    • Portfolio Construction
    • Wealth Management Services
    Learn more
    Executive Services

    Our dedicated team provides concierge-level support for your executives' equity compensation plans, from 10b5-1 trading plans to form filing related to Rule 144 transactions, to access to wealth management and tax-optimization strategies, so helping them navigate their complex financial needs with greater confidence and certainty:

    • Equity Compensation Services
    • Equity Award Analysis
    • Specialized Solutions
    Learn more
    Saving and Giving

    Saving and Giving benefits can make a real difference in your employees' lives as they can support the things that matter most to them—like saving for education and repaying student loans. Show that you are committed to your employees' priorities with leading-edge solutions that help them chart a path toward financial well-being.

    • College Savings
    • Student Loan Repayment and Refinancing
    • Charitable Giving
    Learn more
    Financial Wellness

    We offer Financial Wellness with every solution we provide. Through a powerful combination of education, digital tools and guidance, Financial Wellness is designed to address the unique needs of your employees and empower their financial journey at every stage. Give your employees the confidence to take charge of their finances.

    • Financial Education
    • Digital Tools
    • Financial Guidance

    Learn more

Location

7500 Dallas Parkway
Suite 500
Plano, TX 75024
US
Direct:
(972) 943-7291(972) 943-7291

Meet The Wisdom Dove Group

About Brendan L. Dove

Brendan Dove co-founded the Wisdom Dove Group at Morgan Stanley with the intention of helping individuals and families preserve, grow, and ultimately transfer their wealth through thoughtful, goals-based planning. He provides personalized advice, consistent communication, and a disciplined framework designed to help clients remain focused on their long-term objectives, even as markets and life circumstances evolve.

Prior to joining Morgan Stanley, Brendan worked at J.P. Morgan for over 15 years. In 2021, he partnered with Pragya Acharya and Courtney Benavides to establish the Wisdom Dove Group at Morgan Stanley in order to gain access to the firm’s broad and deep platform of resources, where he continues to serve clients as an Executive Director and Alternative Investments Director. Most recently, Brendan was honored in 2025 by Forbes as a Best-In-State Wealth Advisor.*

A CERTIFIED FINANCIAL PLANNER® professional, Brendan graduated from Wake Forest University with a Bachelor of Science in Business.

Outside the office, he enjoys golf, fishing, hunting, and perfecting Texas-style barbecue. Brendan and his wife, Brittany, live in Dallas with their three children.

*2025 Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2025) Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: MI, NC, MA, CO, WA, OK, IL, HI, AL, TX, LA, NH, FL, SC, KS, VA, PA, NY, VT, OH, CT, AR, OR, NJ, MS, KY, CA, AZ, TN, NV, NM, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 2172898

About Pragya Acharya

Pragya Acharya is a Senior Vice President and Financial Advisor with the Wisdom Dove Group at Morgan Stanley, bringing more than 15 years of financial services experience to her clients. She specializes in helping individuals and families navigate complex financial decisions through thoughtful, goals-based wealth planning designed to preserve, grow, and ultimately transfer wealth across generations.

Pragya co-founded the Wisdom Dove Group alongside Brendan Dove and Courtney Benavides with a shared vision: to deliver personalized advice, disciplined portfolio strategy, and consistent communication that empowers clients to remain focused on their long-term objectives—even as markets and life circumstances evolve.

The team was recently recognized among the Forbes Best-In-State Wealth Management Teams for 2026,* ranking in the Top 100, underscoring its commitment to excellence in client service and outcomes.

Born and raised in Nepal, Pragya immigrated to the United States with her husband in 2002 to pursue higher education. She began doctoral studies in Sociology at Texas A&M University before choosing to pause her academic path to focus on raising her two children. Prior to joining Morgan Stanley in 2021, Pragya spent a decade at JPMorgan Chase, where she advanced to Private Client Advisor, she launched her career in financial services at where her analytical training and deep understanding of human behavior became foundational to her advisory approach.

Her background in sociology informs her of the way she works with clients, recognizing that financial decisions are never just about numbers, but about values, family dynamics, risk tolerance, and legacy.

She is committed to building trust-based, long-term partnerships and providing clarity during times of both opportunity and uncertainty.

Pragya is also a Charter Member of the International Athens Collin Lions Club, where she is actively involved in charitable initiatives and community service. A significant focus of her volunteer efforts includes advancing financial literacy education for women—helping equip them with the knowledge and confidence to make informed financial decisions and build long-term security.

She is based in Dallas, where she lives with her husband and their two children. Outside of work, she enjoys spending time with family and friends, hiking, traveling, and exploring new cultures.

At the heart of her work is a simple belief: financial confidence creates freedom—and with the right guidance, families can build not only wealth, but legacy.

*Source: Forbes.com (Awarded January 2026). This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) for the period 3/31/24–3/31/25.
Securities Agent: HI, TX, MA, WA, SC, IL, AR, OK, NJ, KY, CT, OH, NC, VA, PA, NY, LA, NH, KS, AL, OR, NM, MS, FL, CO, CA, AZ, NV, IN, MI, VT, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 608790

About Barby Crabtree

For more than 40 years, Barbara Crabtree has guided individuals and families as they prepare for and navigate retirement. She begins every relationship by listening—taking the time to understand each client’s goals, concerns and vision for the future—then designs a personalized wealth plan intended to help turn those priorities into practical next steps. “It’s my job to do the worrying so you don’t have to,” she explains, underscoring her commitment to clear communication and long-term partnership.

Barby entered the industry in 1978 and has remained with the firm through every evolution into today’s Morgan Stanley. Her decades of market insight, combined with the rigorous training required to earn the CERTIFIED FINANCIAL PLANNER® certification and her designation as a Financial Planning Specialist, enable her to deliver thoughtful guidance on investments, income strategies and comprehensive planning considerations.

Service extends beyond the office. Barby co-chairs the Morgan Stanley Dallas Women’s Network and has been an active member of the Zonta Club of Dallas for more than 20 years, advocating for the empowerment of women and girls locally and worldwide. Away from work she enjoys cooking, traveling, Pilates and time at her Texas Hill Country retreat with her partner Sid, their two dogs and three cats.
Securities Agent: AL, DE, SC, MS, PA, NV, AZ, VT, OR, NM, NC, CT, KS, IN, CO, FL, AR, MD, VA, MA, KY, IA, GA, OH, LA, CA, WA, TN, OK, MO, MI, IL, TX, NY, NH; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1321609

About Me

Alicia Blencke is a Senior Vice President and Financial Advisor who is passionate about helping individuals and families pursue greater confidence in their financial futures. Fascinated by the markets since childhood, Alicia combines analytical skill with a relationship-driven style, taking the time to understand each client’s goals, values and concerns before recommending strategies. She believes that deeper insight leads to more thoughtful decisions and strives to make every conversation clear, collaborative and reassuring.

Drawing on more than 20 years of investment‐focused experience, Alicia seeks to guide clients through life’s transitions—whether preparing for retirement, funding education, or planning a legacy. Her team approach brings a range of perspectives to the planning process, helping to create comprehensive strategies aligned with what matters most to each client. Alicia’s favorite moments are face-to-face meetings where she can celebrate progress and adjust plans as clients’ lives evolve.

Committed to giving back, Alicia supports the Cystic Fibrosis Foundation, Doctors Without Borders, the North Texas Food Bank and The Trevor Project. Away from the office, she enjoys lake time and travel with her wife, Nancy, and their lively dogs, Molly and Stella.
Securities Agent: CO, AZ, TN, GA, NV, NY, FL, SC, OH, NH, CT, CA, MD, IL, AR, TX, OK, NM, LA, IN, DE, MI, VT, NC, MS, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 2546943

About Michael D Nettleton

Securities Agent: OK, MI, CA, OH, NC, MS, FL, TX, TN, SC, AR, NY, NV, NM, IL, KY, DE, CO, AZ, VT, NJ, NH, KS, IN, CT, MO, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 1272979

About Emily Plummer

Emily joined Morgan Stanley in the autumn of 2020 and has enjoyed working with clients to create customized solutions for their individual financial situations. As a former educator, Emily understands the importance of working with clients to educate, help, and empower them to steward their finances well. Her own greatest assets are the relationships she builds with her clients. Together she and her clients are able to build on that relational foundation to identify goals and make plans for the future.
Securities Agent: MS, WA, TN, OK, DE, VA, NH, MD, KS, IN, CO, CA, AZ, NV, NJ, IL, IA, CT, PA, NM, NC, MI, ME, DC, WI, TX, MO, MA, LA, FL, SC, OH, NY, AR, AL, OR, KY, GA, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 2415934

About Courtney Benavides

Courtney began her career in 2014 after earning her business degree. She later served as a Private Client Banker and then an Investment Representative at JPMorgan Chase, where she deepened her knowledge of banking, lending and investments. In 2021, she joined Morgan Stanley’s Wisdom Dove Group alongside teammates Brendan and Pragya, providing planning insights, portfolio support and attentive service.

A FINRA-registered representative, Courtney holds the Series 7, 6 and 66 licenses, is an Insurance-licensed professional, and has earned the designation of Financial Planning Specialist. She graduated from Oklahoma State University with a B.S. in Business Management and a minor in Marketing.

Originally from Flower Mound, Courtney now lives in Allen, Texas, with her husband, Alex, and their dog, Lucy. Away from the office, you’ll often find them cheering on OSU football, exploring local patios or planning their next travel adventure.

About Stephanie Holden

Stephanie joined the firm in July 1999 as an associate working for a large portfolio manager in the Dallas complex. While in this role, she gained tons of experience researching stocks, building spreadsheets to monitor daily performance, creating financial, retirement and educational plans for client meetings and assisting clients with their banking and technology needs. She also worked for other advisors throughout the complex and gained extensive knowledge in branch generated stock plans (heavy trading), assistant syndicate coordinator, estate planning and running LifeView goal analysis plans.

Stephanie transferred to the bank side in October 2007 to work for Citi Trust as an Assistant Trust Officer. Citi had just installed new trust technology and her first project consisted of transferring all the old data to the new system and then training the trust team on the new technology. When Citi Trust sold their trust division in October 2013, Stephanie transferred back to the brokerage side and has been in the Dallas complex since then.

Stephanie’s hobbies include learning new technology, bank fishing, watching Marvel movies, making homemade glazed pecans, and weekend video calls with her family. She is also a Veteran and enjoys researching new veteran benefits and then sharing the details with her husband Michael and two sons who are also veterans. Stephanie was born and raised in Maryland but after 25+ years now considers Texas her home.
Wealth Management
Global Investment Office

Portfolio Insights

This is a video content

Equity Compensation

Helping you make the most of your equity awards and better understand how it may fit into your your larger financial picture – today and tomorrow.

  • Vesting events
  • Option expirations
  • Restricted stock units
  • Tax implications

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
Article Image

A Simple Six-Step Retirement Checkup

Checking in on your retirement plan may make a lot of sense, especially when market volatility arises.

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
Article Image

Rational Investing in an Age of Uncertainty

When it comes to investing, even the most savvy of us fall prey to bias and emotional trades. So what triggers should you watch for?

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
Article Image

529 Plans: A Powerful Tool to Save for Education

Though education costs continue to climb, starting to save and invest early can make a difference.

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
Article Image

Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

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
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image

Donor Advised Funds: A Smart Way to Manage Your Giving

There's more to charitable giving than you may realize. Here's one method that may be a tax-efficient way to give and can help maximize your impact.

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.
The Business Case for a Financially Resilient Workforce
Article Image

The Business Case for a Financially Resilient Workforce

In the face of turbulent markets, the word “resilience” may be top of mind. Broadly speaking, resilience is the ability to “bounce back” when encountering life’s inevitable challenges.
Ready to start a conversation? Contact The Wisdom Dove 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.

Back to top



2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.

Back to top



3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

Back to top



4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

Back to top



5Structured 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.

Back to top



6Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

Back to top



7Morgan 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.

Back to top



8When 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.

Back to top



9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

Back to top



10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

Back to top



11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

Back to top



12Morgan 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

Back to top



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)