Tricia Zelinka, CFP®, CRPC®
Senior Vice President, Financial Advisor, Alternative Investments Director
Phone:
(570) 819-8009(570) 819-8009
The Polaris Legacy Group at Morgan Stanley
Direct:
(570) 821-1817(570) 821-1817
Toll-Free:
(800) 342-2393(800) 342-2393
Our Mission Statement
We provide answers for today, a plan for your tomorrow, and total strategies for your legacy.
About Us
Striving to Making A Difference
Behind every action of The Polaris Legacy Group at Morgan Stanley is a transparent desire to help make a difference in the lives of clients. This team truly lives their responsibility to serve and help clients live their life’s purpose through experienced family wealth planning, retirement planning, and investment management services.
Recognized nationally for service to clients, The Polaris Legacy Group is focused on offering a financial experience delivered by a team of smart, driven individuals who are solely committed to serving every aspect of the clients’ financial needs. Our team strives provide advocacy, education, and experienced guidance to clients.
A Mentored and Empowered Team
The Polaris Legacy Group is an assembly of highly educated, multi-generational professionals. The team name derives from the early days of sea exploration where sailors would utilize the North Star, or Polaris, as a navigational tool through open waters.
The Polaris Legacy Group dedicates their careers to consistently deliver a high level of investment service and a commitment to making a difference in the lives of others through guidance during every stage of the journey. From continuing education courses to industry conferences, reading and research, the team is fully prepared to serve the complex needs of clients and their ongoing planning and investment management needs.
Behind every action of The Polaris Legacy Group at Morgan Stanley is a transparent desire to help make a difference in the lives of clients. This team truly lives their responsibility to serve and help clients live their life’s purpose through experienced family wealth planning, retirement planning, and investment management services.
Recognized nationally for service to clients, The Polaris Legacy Group is focused on offering a financial experience delivered by a team of smart, driven individuals who are solely committed to serving every aspect of the clients’ financial needs. Our team strives provide advocacy, education, and experienced guidance to clients.
A Mentored and Empowered Team
The Polaris Legacy Group is an assembly of highly educated, multi-generational professionals. The team name derives from the early days of sea exploration where sailors would utilize the North Star, or Polaris, as a navigational tool through open waters.
The Polaris Legacy Group dedicates their careers to consistently deliver a high level of investment service and a commitment to making a difference in the lives of others through guidance during every stage of the journey. From continuing education courses to industry conferences, reading and research, the team is fully prepared to serve the complex needs of clients and their ongoing planning and investment management needs.
Services Include
- Alternative InvestmentsFootnote1
- AnnuitiesFootnote2
- Cash ManagementFootnote3
- Certificates of DepositFootnote4
- Corporate BondsFootnote5
- Estate Planning StrategiesFootnote6
- Financial PlanningFootnote7
- Lending Products
- Life InsuranceFootnote8
- Municipal BondsFootnote9
- Professional Portfolio ManagementFootnote10
- Retirement PlanningFootnote11
- Sustainable InvestingFootnote12
- Trust ServicesFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With Us
Financial Planning Resources
Goals-Based Planning
Are you on track to meeting your financial goals? Take a look at your personal financial plan, with a focus on what’s most important to you. Asking yourself some key questions can help you better prepare for the path ahead.
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Tax Management Strategies
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan.
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Financial Literacy
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
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Planning for Retirement
While saving for a retirement is an important topic, it’s at least as important as what comes next: Your plan of action once you enter retirement.
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Planning for Healthcare
Health care costs are rising—especially for retirees, and some may need long-term care. Learn the moves you can make to help prepare yourself.
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Wealth Education for the Next Generation
Learn more about how to build a strong financial foundation by viewing our "Wealth Education for the Next Generation" series. Intended to teach various financial concepts to you and your children, this video series aims to help on the path toward financial wellness.
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Cash Management
Morgan Stanley has a full suite of cash management solutions for your cash needs. Our Active Assets Account allows you to manage your investments and cash in one place.
Learn MoreTax season is approaching!
As we approach tax season, we wanted to provide some resources you may find helpful.
Tax Management Services
Taxes can make a big difference over the long run in helping meet financial goals – so you need a tax-smart edge. Learn how Morgan Stanley Tax Management Services can help efficiently manage your capital gains with a complimentary and fully personalized experience.
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Consider Tax-Loss Harvesting
What is tax-loss harvesting, and how do some investors use it to opportunistically reduce their tax bills? Check out the link to learn more.
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Understanding Tax Alpha
It is important to understand how taxes can affect after-tax results on a basic level. It is widely understood that the realization of gains and payment of taxes will ultimately have an impact on the ending value of the investment portfolio, but by how much? Learn more by reading below.
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Tax Efficient Investing
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan.
Learn MoreLocation
1065 Highway 315
Suite 401
Wilkes Barre, PA 18702
US
Direct:
(570) 821-1817(570) 821-1817
Toll-Free:
(800) 342-2393(800) 342-2393
Meet The Polaris Legacy Group
Chris Prater
Senior Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist, Alternative Investments Director, Insurance Planning Director
Phone:
(570) 819-8008(570) 819-8008
Ryan Hinkle
Registered Client Relationship Analyst, Cash Engagement Specialist
Phone:
(570) 821-1817(570) 821-1817
Ryan Lewiski
Intern
Phone:
(570) 821-1855(570) 821-1855
About Tricia Zelinka
Tricia A. Zelinka, CFP® is a Senior Vice President and Financial Advisor with over two decades of experience and personal client service. Tricia graduated with a Bachelor of Arts from Bucknell University with a major in Sociology and a minor in Chemistry. Upon graduation she found an opportunity to enter the world of finance, and as a financial advisor found her true calling. Here, she is able to combine her analytical and thinking skills with her sincere desire to serve the needs of individuals and families.
Tricia’s ongoing commitment to learning lead her to become a CERTIFIED FINANCIAL PLANNER® (CFP®) and a Chartered Retirement Planning Counselor (CRPC®) both with continuing education requirements. She holds her Futures Managed Funds License (Series 31) and her General Securities Representative License (Series 7), Uniform Securities Agent (Series 63).
Tricia and her husband Jack enjoy travelling, especially to wineries, breweries, and concerts. Together with their children Ava and Ryan, they spend their Saturdays cheering on college football specifically Alabama (Roll Tide!) and the Pittsburgh Panthers.
Tricia’s ongoing commitment to learning lead her to become a CERTIFIED FINANCIAL PLANNER® (CFP®) and a Chartered Retirement Planning Counselor (CRPC®) both with continuing education requirements. She holds her Futures Managed Funds License (Series 31) and her General Securities Representative License (Series 7), Uniform Securities Agent (Series 63).
Tricia and her husband Jack enjoy travelling, especially to wineries, breweries, and concerts. Together with their children Ava and Ryan, they spend their Saturdays cheering on college football specifically Alabama (Roll Tide!) and the Pittsburgh Panthers.
Securities Agent: NJ, NC, IL, UT, TX, PA, MD, LA, AZ, TN, SC, MI, GA, FL, CT, NM, ME, MA, CO, CA, KY, AL, WA, VA, NY, NH, DE, RI, IN, HI, WY, VT, OR, OH, NV; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2042360
NMLS#: 2042360
About Chris Prater
For Chris, a strong client relationship is built on trust, accessibility, and open communication. He makes it a priority to be available when clients need him and to become a resource they feel comfortable turning to for both major financial decisions and everyday questions. Over time, many of those relationships extend well beyond finances, something Chris considers one of the most rewarding aspects of his work.
Chris also believes clients should understand their financial lives, not simply be told what to do. He recognizes that finance isn’t everyone’s area of expertise and takes the time to explain complex topics in a way that is clear, practical and relevant to each client. By understanding the full picture—including assets, liabilities, cash flow, and long-term priorities—Chris and his team can provide advice that evolves alongside their clients’ lives and helps them make financial decisions with greater clarity and confidence.
Chris’ commitment to his clients and his profession has been recognized both externally and within Morgan Stanley. In 2026, he was named to the Forbes Top Next-Gen Wealth Advisors Best-In-State list, and since 2023, Chris and his team, The Polaris Legacy Group, have been recognized as a Forbes Best-In-State Wealth Management Team. Within Morgan Stanley, Chris has been a member of the firm’s Pacesetter’s Club since 2018 and has also been named to its Century Club, recognizing his continued commitment to client service and professional excellence.
Chris holds the Financial Planning Specialist, Alternative Investment Director and Insurance Planning Director designations as well as the General Securities Representative (Series 7), Uniform Combined State Law Examination (Series 66), and Life, Variable and Health Insurance licenses. He graduated summa cum laude from King’s College.
Chris is also committed to giving back to the community. For the past five years, he has spearheaded Morgan Stanley’s involvement in the Northeast Regional Cancer Institute’s C.A.S.U.A.L. Day, supporting colon cancer awareness efforts throughout the region.
When he’s not working, you’ll usually find Chris running, enjoying the outdoors, or spending time with family and friends. He lives with his wife, Amanda, and their very full house of three dogs—Winnie, Enzo and Alfredo—and two cats, Churchill and Polly.
Chris also believes clients should understand their financial lives, not simply be told what to do. He recognizes that finance isn’t everyone’s area of expertise and takes the time to explain complex topics in a way that is clear, practical and relevant to each client. By understanding the full picture—including assets, liabilities, cash flow, and long-term priorities—Chris and his team can provide advice that evolves alongside their clients’ lives and helps them make financial decisions with greater clarity and confidence.
Chris’ commitment to his clients and his profession has been recognized both externally and within Morgan Stanley. In 2026, he was named to the Forbes Top Next-Gen Wealth Advisors Best-In-State list, and since 2023, Chris and his team, The Polaris Legacy Group, have been recognized as a Forbes Best-In-State Wealth Management Team. Within Morgan Stanley, Chris has been a member of the firm’s Pacesetter’s Club since 2018 and has also been named to its Century Club, recognizing his continued commitment to client service and professional excellence.
Chris holds the Financial Planning Specialist, Alternative Investment Director and Insurance Planning Director designations as well as the General Securities Representative (Series 7), Uniform Combined State Law Examination (Series 66), and Life, Variable and Health Insurance licenses. He graduated summa cum laude from King’s College.
Chris is also committed to giving back to the community. For the past five years, he has spearheaded Morgan Stanley’s involvement in the Northeast Regional Cancer Institute’s C.A.S.U.A.L. Day, supporting colon cancer awareness efforts throughout the region.
When he’s not working, you’ll usually find Chris running, enjoying the outdoors, or spending time with family and friends. He lives with his wife, Amanda, and their very full house of three dogs—Winnie, Enzo and Alfredo—and two cats, Churchill and Polly.
Securities Agent: TX, HI, RI, NY, NV, NM, ME, WY, VA, PA, MI, CT, MA, IL, FL, UT, OR, DE, WA, MD, IN, GA, CO, AL, VT, SC, NJ, LA, OH, KY, CA, AZ, TN, NH, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 1647630
NMLS#: 1647630
About Ryan Hinkle
Ryan Hinkle is a Registered Client Relationship Analyst at Morgan Stanley, bringing a strong foundation in finance, discipline shaped by his military service as a combat engineer (12N), and a deep commitment to financial literacy. He holds his SIE, Series 7, Series 66, and Life and Health Insurance licenses, and believes that quality investment strategies and risk management solutions should be accessible to everyone. Ryan is dedicated to continuously expanding his expertise while helping clients confidently navigate their financial futures.
Ryan is a proud alumnus of King’s College in Wilkes-Barre, Pennsylvania, where he graduated with a 4.0 GPA as a dual major in Finance and Accounting. He was awarded the McGowan School of Business Achievement Award for Finance for the Class of 2025 and holds active membership in multiple high-honor societies, including the Financial Management Association, Accounting Association, and Beta Gamma Sigma.
Following graduation and full registration, Ryan takes a detail-oriented approach to his work, emphasizing accuracy, efficiency, and exceptional client support. As a Cash Engagement Specialist, he serves as a subject matter expert supporting Financial Advisors and clients with banking, lending, and cash management solutions. Ryan focuses on driving the adoption of cash management tools, enhancing client relationships, and onboarding accounts such as CashPlus, while continuing to build his knowledge and skills to better serve clients and contribute meaningfully to The Polaris Legacy Group.
Outside of work, Ryan is actively engaged in his local community. He mentors first-year students at King’s College, attends professional speaking events, volunteers with the Salvation Army, and coaches a Little League baseball team in which his son, Adrian, plays. In his free time, Ryan enjoys golfing, snowboarding, and watching professional sports, particularly football and boxing. Whether in finance or in service to others, he is driven by integrity, growth, and making a meaningful impact.
Ryan is a proud alumnus of King’s College in Wilkes-Barre, Pennsylvania, where he graduated with a 4.0 GPA as a dual major in Finance and Accounting. He was awarded the McGowan School of Business Achievement Award for Finance for the Class of 2025 and holds active membership in multiple high-honor societies, including the Financial Management Association, Accounting Association, and Beta Gamma Sigma.
Following graduation and full registration, Ryan takes a detail-oriented approach to his work, emphasizing accuracy, efficiency, and exceptional client support. As a Cash Engagement Specialist, he serves as a subject matter expert supporting Financial Advisors and clients with banking, lending, and cash management solutions. Ryan focuses on driving the adoption of cash management tools, enhancing client relationships, and onboarding accounts such as CashPlus, while continuing to build his knowledge and skills to better serve clients and contribute meaningfully to The Polaris Legacy Group.
Outside of work, Ryan is actively engaged in his local community. He mentors first-year students at King’s College, attends professional speaking events, volunteers with the Salvation Army, and coaches a Little League baseball team in which his son, Adrian, plays. In his free time, Ryan enjoys golfing, snowboarding, and watching professional sports, particularly football and boxing. Whether in finance or in service to others, he is driven by integrity, growth, and making a meaningful impact.
About Ryan Lewiski
A lifelong interest in personal finance led Ryan Lewiski to pursue an internship with Morgan Stanley. He is motivated by the opportunity to provide valuable support for families within the community and enjoys being a welcoming first point of contact for clients. Whether chatting to learn more about their goals or helping gather information the advisory team needs, Ryan aims to create a supportive experience from day one.
Ryan joined the firm in May 2026 and currently balances his internship with academics at King’s College, where he is working toward a Bachelor of Science in Business Administration with dual majors in Accounting and Finance. He has also added minors in Computer Information Systems, Data Analytics and Spanish, giving him a broad analytical toolkit and cross-cultural perspective.
Active on campus, Ryan is President of Beta Alpha Psi and the Accounting Association and is a member of the Financial Management Association and Beta Gamma Sigma honor society. As well as academically, Ryan is heavily involved in several extracurriculars where he plays for the King’s Football team, sings with the Cantores Christi Regis Choir, participates in Campus Ministry, and performs with King’s Theatre.
Outside the classroom, Ryan unwinds by golfing, attending local concerts, cooking, and pursuing knowledge within the financial industry. He is currently preparing for the SIE licensing exam.
Ryan joined the firm in May 2026 and currently balances his internship with academics at King’s College, where he is working toward a Bachelor of Science in Business Administration with dual majors in Accounting and Finance. He has also added minors in Computer Information Systems, Data Analytics and Spanish, giving him a broad analytical toolkit and cross-cultural perspective.
Active on campus, Ryan is President of Beta Alpha Psi and the Accounting Association and is a member of the Financial Management Association and Beta Gamma Sigma honor society. As well as academically, Ryan is heavily involved in several extracurriculars where he plays for the King’s Football team, sings with the Cantores Christi Regis Choir, participates in Campus Ministry, and performs with King’s Theatre.
Outside the classroom, Ryan unwinds by golfing, attending local concerts, cooking, and pursuing knowledge within the financial industry. He is currently preparing for the SIE licensing exam.
Contact Tricia Zelinka
Contact Chris Prater
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
Tony Gist
Private Banker
Jake Vurpillat
Wealth Solutions Associate - Cash Management
About Tony Gist
Tony Gist is a Private Banker and Vice President serving Morgan Stanley Wealth Management offices in Pennsylvania.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Tony began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to joining the firm, he held various roles within the Retail Bank industry including Licensed Banker and Branch Manager.
Tony is a graduate of Fairmont State University, where he received a Bachelor of Science with a concentration in Criminal Justice, while also playing football for the Fairmont State Fighting Falcons. He and his family currently reside in York, Pennsylvania.
Outside of the office, he spends time with family whenever possible. He enjoys playing golf, skiing, fishing, watching sports, especially football, and listening to talented musicians across various genres.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Tony began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to joining the firm, he held various roles within the Retail Bank industry including Licensed Banker and Branch Manager.
Tony is a graduate of Fairmont State University, where he received a Bachelor of Science with a concentration in Criminal Justice, while also playing football for the Fairmont State Fighting Falcons. He and his family currently reside in York, Pennsylvania.
Outside of the office, he spends time with family whenever possible. He enjoys playing golf, skiing, fishing, watching sports, especially football, and listening to talented musicians across various genres.
NMLS#: 786299
About Jake Vurpillat
Jake Vurpillat is a Wealth Solutions Associate & Cash Engagement Specialist at Morgan Stanley providing dedicated support to Financial Advisors and their teams. Operating as an extension of the FA/Team, Jake collaborates with clients to discover how best to engage and enroll in the services available at Morgan Stanley during their onboarding journey, specifically cash management. Jake provides guidance across a wide suite of cash management offerings and is able to help open cash management accounts, transfer funds, assist with credit cards and provide education on the breadth of what Morgan Stanley has to offer in the cash management space.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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529 Plans: A Powerful Tool to Save for Education
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
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Financial Planning for Life After Selling a Business
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Ready to start a conversation? Contact The Polaris Legacy 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.
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
4Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Morgan 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.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
10Morgan 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.
11When 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.
12Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
13Morgan 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.
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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
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
4Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Morgan 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.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
10Morgan 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.
11When 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.
12Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
13Morgan 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.
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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.
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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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
