Christopher Rice
Financial Advisor
Phone:
(212) 643-5745(212) 643-5745
Theodore Ice, CFP®
Associate Vice President,
Financial Advisor,
Workplace Advisor – Equity Compensation, Financial Wellness, Retirement,
Alternative Investments Director
Direct:
(212) 643-5722(212) 643-5722
Toll-Free:
(800) 488-4083(800) 488-4083
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
My Story and Services
As a Private Wealth Advisor, I help individuals reach their long- and short-term goals by providing step by step creation and implementation of my clients’ wealth management strategies. Through effective communication and administration, I can traverse the complexities of client’s financial and estate planning strategy needs, as well as providing portfolio construction and market management. In doing so I create a clear understandable path for my clients to comprehend and follow. I have over six years of big bank private wealth experience working with corporate executives, financial professionals, retirees, and individuals helping them to understand and optimize their wealth accumulation. I graduated from University of Richmond’s Robbins School of Business with a B.S. in Finance and a minor in History. While I grew up in Westchester, NY, I currently reside in Manhattan, a short subway to the office. I am a licensed insurance and mortgage agent, able to fulfill my client’s many needs with a wide breath of solutions.
Securities Agent: CO, VA, SD, CT, NY, TX, MI, KY, GA, MT, ME, KS, CA, AZ, WY, VT, UT, OH, NJ, MO, MN, MA, IL, DC, AL, PR, IA, NM, NE, ND, AK, DE, WV, NH, IN, HI, WI, WA, NV, NC, RI, FL, AR, TN, SC, PA, OR, OK, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1753618
NMLS#: 1753618
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
What We Offer
As a corporate insider with concentrated stock, you may be wondering about tax-smart means of diversification. You may also be facing liquidity needs for real estate purchases or tax payments, sometimes before stock liquidity is available due to lock-ups or tight trading windows.
Our team tailors our comprehensive wealth management process to guide busy executives through the complex considerations around their stock wealth, taking into account tax optimization and immediate liquidity needs to construct a long-term strategy for diversification.
Our team tailors our comprehensive wealth management process to guide busy executives through the complex considerations around their stock wealth, taking into account tax optimization and immediate liquidity needs to construct a long-term strategy for diversification.
Exchange Fund
For tax-deferred diversification, Exchange Funds provide diversification without triggering the taxable gains typically associated with diversification, as the exchange occurs within an IRS-approved tax-deferred vehicle. Exchange Funds are managed by portfolio managers to construct a desired portfolio so that each contributor of concentrated stock will ultimately receive a pro-rata allocation of the portfolio while retaining their original basis.
More on Exchange Fund here:Portfolio Line
For liquidity needs without triggering sales of concentrated stock, you can borrow against the stock in a portfolio line to manage more immediate cash flow needs for real estate transactions, tuition payments or tax payments. No underwriting or credit pull required, and no cost to setting up or keeping the portfolio line open. You borrow against the portfolio when needed, paying interest at a floating interest rate and repay it back without penalty.
Donor Advised Fund
To offset higher income tax year when there is a liquidity event from IPO/acquisition, options exercise, stock vests, or bonus income, you can gift charitably to a Donor Advised Fund with appreciated long-term gain stock. This allows tax deduction in current tax year, with flexibility to gift to end charities over time.
10b5-1 Plans
10b5-1 plans are preset diversifications plans for executives who want the flexibility to sell through open and closed windows, whether at market or specified limit prices. The 10b5-1 plan is a written trading plan approved by legal counsel and executed by a third party, which provides corporate insiders an affirmative defense against claims of insider trading.
Investing With Impact
Many of us want our investments to make impact in the same way we want to make a positive impact. Impact investing focuses on companies with strong ESG (Environmental, Social, Governance) criteria. Research shows that businesses that are mindful of their environmental and social impact, operating with financial transparency, are profitable brands with loyal customer base.
Modern Wealth Management Tools and Resources
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
LifeView
LifeView is a suite of planning tools that creates a realistic, integrated strategy meant to incorporate aspects of an individual’s financial life, including investments and cash management needs. It also provides progress-to-goals reporting which illustrate complex planning strategies.
MS Reserved
Morgan Stanley Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn more about MS Reserved
Goals-Based Planning
Working with Morgan Stanley and its advanced wealth management technology is an ideal way to access advice and build a coherent wealth plan. Read more about the advantages of working with our unique planning technology to help reach your financial goals, whatever they may be.
Learn more about Goals-Based Planning
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios.
Learn more about the Portfolio Risk Platform
Online Security Center
Safeguarding your assets and personal information is paramount to us here at Morgan Stanley. Learn about our extensive security measures and take advantage of our numerous resources and ideas that are geared towards helping you stay protected on the World Wide Web.
Learn more about the Online Security Center
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love in the event of a catastrophe or serious illness, disability, or death. Your Family Records Organizer can immediately provide vital and timely information to both your family and professional advisors. The Digital Vault allows you to construct a central, shared document library where all documents can be stored using encryption.
Log into your Digital VaultA Plan Tailored To Your Needs
A generation ago, financial planning was relatively straightforward – people focused on wealth accumulation and then shifted most or all assets into conservative instruments to provide retirement income and principal stability. But today’s world is more complex, and turning a lifetime of savings into a lifetime of sustainable income for people who are living longer, healthier, and more active lives means attending to a wide range of issues simultaneously.
Together, we answer questions that may seem daunting:
- Do I have enough money to live for 20 years or more in retirement?
- How is it possible to generate enough income with low interest rates?
- What can I expect for inflation?
- Can my portfolio weather a market downturn?
- Are my assets protected if something unexpected happens?
Some of the areas where we apply our advanced knowledge on your behalf include:
Together, we answer questions that may seem daunting:
- Do I have enough money to live for 20 years or more in retirement?
- How is it possible to generate enough income with low interest rates?
- What can I expect for inflation?
- Can my portfolio weather a market downturn?
- Are my assets protected if something unexpected happens?
Some of the areas where we apply our advanced knowledge on your behalf include:
Investment Management
You can rely on us to design holistic and strategic financial plans that match your family’s goals.
Retirement Planning
We will help you develop and implement a strategy that encompasses your needs before, during and after you retire and is based on your personal vision of retirement.
Pre - and Post - Divorce Planning
We will help you identify financial issues and consequences, as well as define your potential choices.
Managing Your Liquidity Needs
We will keep an eye on your cash flow needs as your goals and finances evolve.
Trust, Estate & Legacy Planning
We will help you implement your plan for passing on your assets in a way that honors your values as well as your financial commitments.
Morgan 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 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.
Resources and Research
Morgan Stanley seeks to make complex financial ideas more digestible so our clients understand what is being done on their behalf to plan for their financial future. Checkout the below content to see our latest market updates and reports from the top researchers at our firm.
2026 Federal Tax Tables
This document outlines the 2026 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
View 2026 Tax Tables
Global Investment Committee “On the Markets” Report
Every month, Morgan Stanley’s top research analysts publish their “On the Markets” report, providing detailed market commentary on such topics as global equities, fixed income and monetary policy.
Read the most recent report
Thoughts on the Markets Podcast
With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen to the latest episode
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Access this week's edition
Morgan Stanley Ideas Podcast
From satellite data technology used to solve some of the world's most complex problems to learning how not to follow the crowd when making decisions, the Morgan Stanley Ideas Podcast brings revealing stories about the world of business, finance, technology and beyond.
Listen to the newest Ideas
Online Security Center
Safeguarding your assets and personal information remain a top priority at Morgan Stanley. Click the link to learn about our stringent security measures and how to help protect yourself online.
Online Security Center
Five Reasons DIY Investors Choose Morgan Stanley Financial Advisors
This article highlights how working with a Financial Advisor can complement your self-directed approach with personalized planning, deeper market insight and broader access to investment solutions—helping you manage risk and stay focused on your long-term goals.
Explore the five reasons to work with a Financial AdvisorLocation
1 Penn Plaza 43rd
Fl
New York, NY 10119
US
Direct:
(212) 643-5722(212) 643-5722
Toll-Free:
(800) 488-4083(800) 488-4083
Meet My Team
Garett Engel
Financial Advisor
Phone:
(212) 643-5751(212) 643-5751
Joe M. Colasanti
Financial Advisor
Phone:
(212) 643-5749(212) 643-5749
Kerri Butler
Financial Advisor
Phone:
(212) 643-5721(212) 643-5721
Daniela Branchinelli
Financial Advisor
Phone:
(212) 613-6821(212) 613-6821
Clayton Caggiano
Business Development Associate
Phone:
(212) 643-5712(212) 643-5712
Alex Buchbinder
Registered Client Service Associate
Phone:
(212) 613-6819(212) 613-6819
About Christopher Rice
Securities Agent: WA, OK, MO, MI, CO, OR, OH, NM, NE, IL, DE, NV, NH, ME, FL, AR, TX, IA, ID, VA, PR, MA, IN, TN, NY, CT, AL, WI, NJ, NC, HI, GA, UT, RI, PA, MT, MN, WY, VT, SD, SC, MD, DC, AZ, WV, KY, KS, CA; General Securities Representative; Investment Advisor Representative; Managed Futures
About Garett Engel
Securities Agent: LA, IL, WY, SD, PR, NY, NJ, MT, GA, CO, AR, WI, OK, IN, DC, WV, PA, NM, FL, AL, UT, TX, SC, RI, OR, NC, MS, KY, HI, CT, WA, VA, NH, ID, VT, NV, NE, ND, MD, KS, IA, CA, AZ, OH, MO, MN, DE, TN, ME, AK, MI, MA; General Securities Representative; Investment Advisor Representative
About Joe M. Colasanti
Securities Agent: CO, IA, RI, CT, MN, KS, IN, FL, NY, NM, NC, MT, WI, WA, UT, PR, IL, NV, HI, DE, VT, SD, KY, GA, AL, WY, PA, OR, NJ, MO, AZ, AR, OK, TX, SC, OH, NE, ME, DC, CA, WV, VA, NH, MI, MD, MA, TN; General Securities Representative; Investment Advisor Representative
About Kerri Butler
Securities Agent: TN, MT, MD, DE, HI, GA, VT, NV, MI, CT, CO, AL, SD, NH, OR, OH, NC, MS, KY, IA, PR, MA, CA, AR, VA, NJ, NE, MO, IN, ID, DC, AK, WY, SC, RI, ND, FL, TX, NM, KS, AZ, WV, VI, UT, OK, NY, MN, LA, WI, PA, ME, IL, WA; General Securities Representative; Investment Advisor Representative
About Daniela Branchinelli
Securities Agent: LA, AZ, VA, HI, FL, CT, IL, GA, DC, CA, AL, AK, WV, SD, NM, MD, KY, KS, SC, NV, NH, NC, WY, TX, RI, NJ, ND, WI, OK, NY, MS, IN, CO, WA, VT, TN, IA, UT, PA, OR, AR, VI, PR, MT, ID, DE, OH, MO, MN, MI, ME, MA; General Securities Representative; Investment Advisor Representative
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
Mark T Curtis
Managing Director, Stock Plan Director, Financial Planning Specialist, Family Wealth Director, International Client Advisor, Investing with Impact Director
Michael Gallagher
Managing Director, Wealth Management, Financial Advisor, Corporate Client Group Director
Managing Director, Private Wealth Management, Private Wealth Advisor, Stock Plan Director
Managing Director, Wealth Management, Financial Advisor, Corporate Client Group Director, Alternative Investments Director, Financial Wellness Director, Workplace Advisor - Equity Compensation, Lending Specialist
Morgan Stanley Wealth Management Financial Advisors can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Theodore Ice 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.
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative 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.
3Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative 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.
3Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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), 4763067 (9/2025)
