Jake Rodriques, CFP®, QPFC
Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Financial Planning Specialist, Workplace Advisor - Equity Compensation
Phone:
(347) 859-5644(347) 859-5644
Todd Gutkin, CRPS®, NQPC™
Senior Vice President, Wealth Management,
Institutional Consulting Director,
Corporate Retirement Director,
Financial Wellness Director,
Senior Investment Management Consultant,
Senior Portfolio Manager,
Workplace Advisor - Equity Compensation
Direct:
(212) 613-6701(212) 613-6701
Toll-Free:
(800) 223-4565(800) 223-4565
Industry Award WinnerMy Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Todd Gutkin, CRPS®
As a Corporate Retirement Director (CRD), Todd Gutkin concentrates on plan design and implementation of 401(k), Defined Benefit and Non-Qualified Deferred Compensation Programs.
Todd earned his CRD designation after advanced training and examination, focusing exclusively on the corporate retirement plan marketplace. The curriculum involves in-depth study of plan design, investment strategy, plan administration, fiduciary issues, and other related retirement topics. Todd is a CRD in New York City. About 2% of Morgan Stanley's advisors qualified for this prestigious designation as of December 2024.
Todd can offer his knowledge, experience, and assistance with:
- Plan Evaluation and Design
- Vendor Selection
- Investment Review
- Fee benchmarking
- Educating Plan Participants on such topics critical to retirement, and more.
Todd achieved his Chartered Retirement Plans Specialist (CRPS®) credential in 2011, which is awarded by the College for Financial Planning for advisors focused on creating, implementing, and supporting retirement plans for businesses. The core areas of focus include IRAs, plans for small businesses, defined contribution plans, defined benefit plans and plan sponsors' fiduciary issues.
Prior to joining Morgan Stanley in 2009, Todd worked for Merrill Lynch as a Vice President within the Corporate Benefits and Institutional Services team for 12 years, focusing on the small to mid-size retirement market. Todd currently resides in Morristown, NJ with his wife Lynn and their three children.
Securities Agent: IL, IA, NV, OR, GA, WI, WA, TX, MD, AL, NH, HI, VT, VA, TN, CT, CO, MN, MI, ME, MA, RI, NJ, KS, DC, AZ, WV, NC, FL, CA, UT, IN, SD, NY, MO, KY, DE, WY, SC, PA, OH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279579
NMLS#: 1279579
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Your Company's Future, Powered by Morgan Stanley Corporate Solutions
As a Corporate Retirement Director and Financial Wellness Director, I am committed to provide workplace solutions through Morgan Stanley at Work to help employees thrive across the workplace benefit offerings: Retirement Plans, Financial Wellness, and Equity Solutions. We bring in corporate solutions to empower companies in their management of these programs and, ultimately, to support their employees through their financial journeys.
Backed by the knowledge and experience of the firm, our dedicated team can give your company, your executives, and other employees access to a bespoke combination of solutions that evolves as their needs evolve. Our mission is to assist your company in elevating your workplace financial solutions to the next level and support your employees on their financial journeys, understanding their individual life stages and addressing their timely needs, no matter where they are in their life or career. Discover our workplace financial solutions deliver powerful tools, guidance, and education to help your company and your employees thrive.
Backed by the knowledge and experience of the firm, our dedicated team can give your company, your executives, and other employees access to a bespoke combination of solutions that evolves as their needs evolve. Our mission is to assist your company in elevating your workplace financial solutions to the next level and support your employees on their financial journeys, understanding their individual life stages and addressing their timely needs, no matter where they are in their life or career. Discover our workplace financial solutions deliver powerful tools, guidance, and education to help your company and your employees thrive.
Nonqualified Deferred Compensation (NQDC) Plan
A Nonqualified Deferred Compensation (NQDC) Plan is workplace benefit that is offered by a plan sponsor to key executives or highly compensated employees. A NQDC plan provides executives with an additional tax-deferred workplace benefit for those who are limited in 401(k) participation and company matching due to a variety of reasons.
As a Corporate Retirement Director who specializes in NQDC plans, we are here to help you with either implementing a new plan, or evaluating an existing one, through providing comprehensive plan design support, analysis and ongoing assessments. In addition, we can provide support with recordkeeping solutions, portfolio construction, and wealth management services.
NQDC VideoAs a Corporate Retirement Director who specializes in NQDC plans, we are here to help you with either implementing a new plan, or evaluating an existing one, through providing comprehensive plan design support, analysis and ongoing assessments. In addition, we can provide support with recordkeeping solutions, portfolio construction, and wealth management services.
Executive Financial Services
Discover the support leaders need in managing their equity compensation, approach to your non-qualified plan, and other complex financial needs. Through Executive Financial Services, we provide support services to help public company executives navigate the complex legal landscape of corporate insider stock transactions — including the design, administration, and execution of 10b5-1 trading plans, plus dedicated service to help executives access wealth management and tax-mitigation strategies.
Investment Banking & Capital Markets
Access expert corporate finance advice and solutions. Our integrated Investment Bank advises corporations, organizations, and governments on complex and transformative strategic events, as well as originates, structures, and executes public and private placement of equity and debt.
Corporate Cash Solutions
Explore corporate liquidity solutions for support in your company’s growth and stability. Offers a spectrum of cash management products and solutions for specific liquidity needs and investment parameters. Solutions are available on discretionary and nondiscretionary basis that are focused on customization, capital preservation, and liquidity — all through one single point of contact.
Capabilities of Morgan Stanley Institutional Business Development
Morgan Stanley at Work provides workplace financial benefits intended to build financial confidence and foster loyalty—helping companies attract and retain top talent by providing them with equity compensation solutions, corporate retirement services, and more.
Captive Insurance
We will assist in developing an investment policy statement based upon the appropriate level of risk, lines of insurance covered, and the overall goals for the program. Once the program reaches a mature stage, our consultants can assist with investment objectives and guidelines, as well as asset allocation, risk management, and more.
Participant Engagement
We integrate financial planning and coordinate with other service providers to facilitate a holistic approach to wealth management. We help participants get on track to have the retirement they want by personalizing their experience and providing 1-on-1 support.
Learn MoreResources and Insights for Plan Sponsors
- Compelling strategies to help attract and retain top talent, including senior executives.
- How NQDC Plans are highly valued by key employees
- How NQDC Plans serve as a significant differentiator in today's competitive market
- How Deferred Comensation plans can be valuable wealth planning tools for your employees and are proving essential in executive compensation strategies with their tailored and flexible plan features.
Nonqualified Deferred Compensation Plan Survey
Insights into how plan sponsors view Nonqualified Deferred Compensation Plans (NQDC Plans) as a critical employee benefit— and a powerful tool for retaining key employees. Access the survey to learn more on:
Designations and Awards
- Top 401(k) Plans
- Qualified by Total Retirement Plans Under Advisement
- Qualified by Total Retirement Plan Assets Under Advisement
Institutional Consulting Director
Todd Gutkin holds the prestigious designation of Institutional Consulting Director with Graystone Consulting, a business of Morgan Stanley. This designation is earned by leading a Graystone Consulting Team that are focused on advising large organizations like endowments, foundations, retirement plans, and insurance companies on investment strategy, asset allocation, manager selection, and portfolio optimization, focusing on fiduciary responsibilities and liability-driven solutions.
CRPS® - Chartered Retirement Plans Specialist®
The Chartered Retirement Plans Specialist® is a credential awarded by the College for Financial Planning for advisors focused on creating, implementing and maintaining retirement plans for businesses. The core areas of focus include IRAs, plans for small businesses, defined contribution plans, defined benefit plans and plan sponsors' fiduciary issues.
Todd Gutkin holds this credential.
Corporate Retirement Director (CRD)
Todd Gutkin holds the prestigious designation of Corporate Retirement Director (CRD) at Morgan Stanley. This designation which is held by less than 2% of the firm's advisors, (as of December2024) is awarded to those who have met stringent requirements and committed to serve their retirement plan clients and manage all aspects of their retirement plans.. As a CRD, Todd's priority is to understand and consult on the specific needs of the plan sponsor and their employees in a collaborative, professional, and educational manner.
NQPC™ - Nonqualified Plan Consultant
The Nonqualified Plan Consultant™ is a credential awarded by the National Association of Plan Advisors for advisors focused on nonqualified plan design, implementation, participant communication, tax and accounting matters as well as plan financing strategies for businesses.
Todd Gutkin and Elizabeth Harrigan* hold this credential.
*This role cannot solicit or provide investment advice
Senior Investment Management Consultant (SIMC)
Highly selective designation awarded to Morgan Stanley Financial Advisors with a strong compliance record and suitable investment discipline. This recognition enables Financial Advisors and Wealth Management professionals to design and implement portfolio construction to better serve their clients.
PLANADVISER Top Retirement Advisers (2025 - 2026)
Todd Gutkin has been named to the 2025 and 2026 PLANADVISER Top Retirement Plan Advisers ranking. This prestigious award recognizes the top retirement plan advisers in the industry based on quantitative measures, and on their service of all types of retirement plans. To be listed, advisers have to have a minimum requirement of 50 plan clients or retirement plan assets under advisement of $400 million or more. To be recognized on this list showcases Todd's dedication to servicing corporate retirement plans and his commitment to his clients' success. Todd was recognized for the following accolades:
Financial Wellness Director (FiWD)
Todd holds the Financial Wellness Director designation which allows Todd to work with plan sponsors to design and implement finanial education programing to address the unique needs of your employees and empower their financial journey at every stage.
NAPA Top DC Advisor Teams (2025 - 2026)
Todd Gutkin has been named to the prestigious National Association of Plan Advisors' (NAPA) list of the nation's top defined contribution (DC) Advisor Teams.
Todd Gutkin, Corporate Retirement Director focused on Retirement Plans
Todd Gutkin is an Institutional Consulting Director and Corporate Retirement Director with Graystone Consulting, a business of Morgan Stanley. Todd has over 28 years of experience focusing on 401(k) Retirement Plans, Defined Benefit and Nonqualified Deferred Compensation Programs. He leads a well-respected team that focuses on providing a white glove experience for employees and employers. Todd and his team assist with plan evaluation and design, vendor selection, investment review, fee and plan benchmarking and participant education on topics critical to retirement planning.
Todd entered the financial services industry in the late 1990's and recognized a need to provide a high level of service and advice to the underserved corporate and institutional retirement plan markets. Todd joined Morgan Stanley in 2009 and earned his Corporate Retirement Director (CRD) designation after advanced training and examination, focusing exclusively on the corporate retirement plan marketplace. CRD is an exclusive designation, awarded to about 2% of all Morgan Stanley financial advisors (as of December 2024). The CRD curriculum involves in-depth study of plan design, investment strategy, plan administration, fiduciary issues and other retirement topics. Todd also achieved his Chartered Retirement Plans Specialist® (CRPS®), Financial Wellness Director, Senior Investment Management Consultant, Workplace Advisor - Equity Compensation designations.
Todd has been recognized for his commitment and dedication to his clients on the PLANADVISER Top Retirement Advisers Rankings (2025-2026), the NAPA Top DC Advisor Teams Ranking (2025-2026), and the Forbes' Best-In-State Wealth Management Teams Rankings (2024-2026).
Todd currently resides in Morristown, NJ with his wife, Lynn, and their three children. Outside of work, Todd enjoys playing softball, attending his children's sporting events, traveling and volunteering for various organizations in his community
2025-2026 PLANADVISER Top Retirement Advisers. Source: planadviser.com (Awarded 2025-2026). Data compiled by ISS Media during the period from 1/1 – 12/31 of the year preceding the award.
2025-2026 NAPA's Top DC Advisor Teams. Source: Source: napa-net.org (Awarded 2025-2026). Data compiled by NAPA based on self-reported assets under advisement as of Dec 31 of the year prior to year the award was given.
2024-2026 Forbes Best-In-State Wealth Management Teams.
Source: Forbes (Awarded 2024-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Location
1 Penn Plaza 43rd
Fl
New York, NY 10119
US
Direct:
(212) 613-6701(212) 613-6701
Toll-Free:
(800) 223-4565(800) 223-4565
Fax:
(646) 514-0949(646) 514-0949
Meet My Team
Elizabeth Harrigan, NQPC™
Business Developent Associate
Phone:
(212) 230-3515(212) 230-3515
Pierce Donegan
Senior Registered Client Service Associate
Phone:
(212) 643-5743(212) 643-5743
About Jake Rodriques
With more than a decade of experience in financial services - and a background in both investment banking and competitive athletics, I bring a disciplined and entrepreneurial mindset to servicing the complex needs of wealthy individuals, athletes, families, and institutional clients.
I recognize that no two clients share the same story. That’s why I take a comprehensive, planning-focused approach designed to address the multifaceted challenges unique to each personal or corporate situation.
Grounded by my blue-collar roots, I strive to make the complexities of modern finance clear and accessible. My mission is simple: to positively impact your life and net worth. I work alongside clients as a steward of their financial goals, helping them to build the type of wealth that endures, and empowering them with the confidence to pursue the lifestyle and legacy they envision.
Trust, expertise, exceptional service, and the strength of Morgan Stanley’s global resources and intellectual capital form the foundation of my practice – advantages that clients depend on.
I look forward to learning more about you and supporting your financial journey.
I recognize that no two clients share the same story. That’s why I take a comprehensive, planning-focused approach designed to address the multifaceted challenges unique to each personal or corporate situation.
Grounded by my blue-collar roots, I strive to make the complexities of modern finance clear and accessible. My mission is simple: to positively impact your life and net worth. I work alongside clients as a steward of their financial goals, helping them to build the type of wealth that endures, and empowering them with the confidence to pursue the lifestyle and legacy they envision.
Trust, expertise, exceptional service, and the strength of Morgan Stanley’s global resources and intellectual capital form the foundation of my practice – advantages that clients depend on.
I look forward to learning more about you and supporting your financial journey.
Securities Agent: WV, DC, TN, ME, KY, AZ, WY, SC, MA, FL, WI, OR, KS, AL, OH, NC, MN, IL, CT, CA, WA, SD, NJ, DE, RI, NY, NV, CO, UT, MO, MI, MD, VT, VA, IA, GA, TX, PA, NH, IN, HI; General Securities Representative; Investment Advisor Representative
About Elizabeth Harrigan
Elizabeth Harrigan is a Business Development Associate with Graystone Consulting – New York, where she is responsible for all aspects of account administration for institutional clients. Her duties include investment oversight, benchmarking, impact reporting, plan design, plan implementation, reporting & documentation, committee meeting coordination, project execution, plan sponsor support, recordkeeping support, plan level financial wellness, participant education. as well as assisting clients and their consultants with special projects and requests.
Prior to joining the team in the field, Elizabeth worked within Morgan Stanley at Work, supporting over 40 Financial Advisors and teams within Morgan Stanley who focus on Retirement and Stock Plans. This experience allowed her to gain a wealth of knowledge in developing and delivering participant education and financial wellness programs for corporate clients. Elizabeth holds Series 7, Series 63, and Series 65 securities licenses. Prior to joining the firm, she was a founder of a manufacturing and retail company based in the USA, which was successfully transitioned to new ownership.
Elizabeth currently resides in Westchester, NY with her daughter, Outside of work, Elizabeth enjoys spending time with her family and friends, attending her daughter’s sporting events, and volunteering for various organizations in her local community.
Prior to joining the team in the field, Elizabeth worked within Morgan Stanley at Work, supporting over 40 Financial Advisors and teams within Morgan Stanley who focus on Retirement and Stock Plans. This experience allowed her to gain a wealth of knowledge in developing and delivering participant education and financial wellness programs for corporate clients. Elizabeth holds Series 7, Series 63, and Series 65 securities licenses. Prior to joining the firm, she was a founder of a manufacturing and retail company based in the USA, which was successfully transitioned to new ownership.
Elizabeth currently resides in Westchester, NY with her daughter, Outside of work, Elizabeth enjoys spending time with her family and friends, attending her daughter’s sporting events, and volunteering for various organizations in her local community.
About Pierce Donegan
Pierce joined Morgan Stanley as a Virtual Engagement Associate in 2019, after two years at Merrill Lynch as a Financial Advisor. Since moving to Wealth Management in 2021, his responsibilities include administrative, operational and issue support resolutions, along with relationship management.
Pierce is a graduate of Rutgers University, with a degree in Economics and a minor in Human Resource Management. Pierce and his fiancée currently reside in Hoboken, New Jersey, and enjoy traveling, golfing and spending time with their families.
Pierce is a graduate of Rutgers University, with a degree in Economics and a minor in Human Resource Management. Pierce and his fiancée currently reside in Hoboken, New Jersey, and enjoy traveling, golfing and spending time with their families.
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2024-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Wealth Management
From My Desk
Retirement Plan Survey
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
Roth 401(k) Benefits for Employers
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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.
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
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Todd Gutkin today.
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.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
6Morgan 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.
7Morgan 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.
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For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
6Morgan 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.
7Morgan 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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
