Rosanne Peel
Private Banker
Todd Powell, CFP®, CFA
Executive Director,
Financial Advisor,
CERTIFIED FINANCIAL PLANNER®,
Chartered Financial Analyst
Direct:
(312) 917-7542(312) 917-7542
Toll-Free:
(800) 334-2446(800) 334-2446
Industry Award WinnerMy Mission Statement
I work with clients in long-term, trusted financial advisory relationships. I want to help you enjoy your journey, not just make it to your destination.
2025-2026 Forbes Best-In-State Wealth Advisors
2021-2025 Five Star Wealth Manager Award
2025-2026 Forbes Best-In-State Wealth Advisors
2021-2025 Five Star Wealth Manager Award
My Story
Todd Powell, CFP®, CFA®, is a Family Wealth Advisor and Executive Director at Morgan Stanley, helping high‑net‑worth families and rising professionals bring clarity and confidence to their financial lives. Clients turn to Todd when they want a thoughtful partner—someone who listens deeply, understands their family dynamics, and provides guidance grounded in care, respect, and long‑term commitment. By combining personal insight with advanced planning tools and AI‑enhanced analysis, Todd delivers advice that is both highly tailored and supported by modern, data‑driven perspectives.
Todd’s passion for wealth management began early, shaped by his father’s career as an institutional investment professional. After earning a B.A. in Economics from Indiana University, he spent four years on the floor of the Chicago Mercantile Exchange as a clerk and market maker—an experience that sharpened his understanding of markets, risk, and disciplined decision‑making. Over more than 25 years in the financial services industry, Todd has built a reputation for a client‑first philosophy and a steady, thoughtful approach to navigating complex financial decisions. His recognition as a Five Star Wealth Manager in the Chicago area reflects his dedication to the families he serves.
Todd lives in Carol Stream, Illinois with his wife, Wendy, and their four children. He is an active member of his community through the Carol Stream Parks Foundation and the Knights of Columbus – St. Isidore of Bloomingdale. Outside of work, he enjoys swimming, reading, and cheering on his children at their sporting and dance events.
2025-2026 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2025-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
2021-2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2021-2025) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2025 Award: 01/01/25 - 08/01/25
2024 Award: 01/09/24 - 08/09/24
2023 Award: 01/09/23 – 07/31/23
2022 Award: 01/24/22 – 07/29/22
2021 Award: 12/28/20 – 08/06/21
Evaluation periods for all Five Star awards, broken down by market, can be found at https://www.fivestarprofessional.com/wmdisclosures
CA Insurance License # 0C75711
Todd’s passion for wealth management began early, shaped by his father’s career as an institutional investment professional. After earning a B.A. in Economics from Indiana University, he spent four years on the floor of the Chicago Mercantile Exchange as a clerk and market maker—an experience that sharpened his understanding of markets, risk, and disciplined decision‑making. Over more than 25 years in the financial services industry, Todd has built a reputation for a client‑first philosophy and a steady, thoughtful approach to navigating complex financial decisions. His recognition as a Five Star Wealth Manager in the Chicago area reflects his dedication to the families he serves.
Todd lives in Carol Stream, Illinois with his wife, Wendy, and their four children. He is an active member of his community through the Carol Stream Parks Foundation and the Knights of Columbus – St. Isidore of Bloomingdale. Outside of work, he enjoys swimming, reading, and cheering on his children at their sporting and dance events.
2025-2026 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2025-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
2021-2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2021-2025) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2025 Award: 01/01/25 - 08/01/25
2024 Award: 01/09/24 - 08/09/24
2023 Award: 01/09/23 – 07/31/23
2022 Award: 01/24/22 – 07/29/22
2021 Award: 12/28/20 – 08/06/21
Evaluation periods for all Five Star awards, broken down by market, can be found at https://www.fivestarprofessional.com/wmdisclosures
CA Insurance License # 0C75711
Securities Agent: MI, CA, AL, WA, TX, TN, PA, FL, CO, MO, CT, SC, NC, GA, NY, KY, IL, WY, VA, OR, NJ, MT, AZ, MN, MD, LA, IN, UT, OH, NV, MA, DC, AK, WI, KS, IA, DE; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1312640
CA Insurance License #: 0C75711
NMLS#: 1312640
CA Insurance License #: 0C75711
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
We can't predict, but we can prepare!
Step 1: Discovering Your Needs
It’s critical for me to get to know you and to understand your life story. Our initial conversations give me an opportunity to learn what is important to you and your family, and to find out how money has played a role in your life. I will take a comprehensive inventory of your assets, obligations and sources of income to help identify circumstances unique to your personal situation.
Step 2: Presenting Your Life Plan
Once we have completed the discovery process, I will present “your” plan and help you visualize what your retirement will look like as we work together to bring it to reality.
Step 3: Implementing Your Investment Strategy
My newfound knowledge on your financial wealth and health will help me implement a tailored portfolio of best-in-class investments supported by the global investment resources of Morgan Stanley that best matches your unique needs. Asset Allocation, Diversification and Rebalancing will be the foundational concepts of your strategy. I will also coordinate your strategy with the other members of your financial team if needed (i.e Attorneys, Accountants).
Step 4: Monitoring Your Progress
We will consistently monitor your assets and the plan’s performance to ensure expectations are being met while addressing any changes in personal goals or market conditions over time. We can’t predict, but we can prepare. I believe that behavior is the dominant determinant in reaching ones goals.
We act on the plan; we do not react to the markets.
We act on the plan; we do not react to the markets.
Key Life Events
Birth
Welcoming a child into the family is a joyous occasion for everyone. As your trusted advisor, I will help you plan and prepare for the financial components that a new child might introduce to your lives.
Education
Education is a major investment that often requires years of careful, advanced planning. As educational costs continue to rise - from primary education through undergraduate, graduate and professional schools - we will work together to implement the appropriate funding strategies for your needs.
Learn More About 529 Plans
Marriage
There are few events more exciting than tying the knot with the person you love. Managing your wealth is a critical component to maintaining a long, fruitful marriage. Also, helping fund your child's wedding is a goal for many parents and grandparents.
Learn More About Talking Money
Divorce
Divorce is a stressful ordeal that is seldom easy. In can be very difficult to brave this battle alone. If necessary, I will help guide you through the priorities and issues that need to be settled to ensure that your needs are met with care and respect.
Retirement
Some people look forward to retirement as their time to relax and enjoy the fruits of their decades-long career. Others worry about their ability to support their lifestyle given certain life challenges. Saving for retirement is a lifelong process that relies on defined financial planning strategies.
Learn More About Retirement Planning
Death
Dealing with our own mortality is intense and challenging. Aside from coping with the loss of a loved one, legal matters also require immediate attention, including the administration of the estate. Even though it is a difficult conversation to have, I will help you determine your estate planning goals to minimize conflict and confusion for your loved ones when your legacy is passed on.
Addressing Your Family's Needs
As your Financial Advisor, I leverage the global resources of Morgan Stanley and our resource partners to help you and your family maximize your human capital and happiness with one another. Through consistent communication and education, my goal is to make sure that you and your family have the foundation, resources and continuous support to accomplish your goals and lead meaningful lives.
Financial education leads to better insight and confidence into our wealth management process, ensuring better long-term decisions. As your Financial Advisor, I am committed to providing you with pertinent information about disciplined strategies in complex global markets.
Financial education leads to better insight and confidence into our wealth management process, ensuring better long-term decisions. As your Financial Advisor, I am committed to providing you with pertinent information about disciplined strategies in complex global markets.
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.
Financial Literacy for Any Stage of Your Life
Trust & Estate Planning
One of the hardest aspects of estate planning is just having the conversation itself. With the vast resources of Morgan Stanley, I will help you and your family establish your goals to facilitate the transfer and preservation of your wealth.
Trust & Estate Planning Overview
Donor Advised Funds
Charitable giving is among the highest of human aspirations, woven into the fabric of organizations, countries and societies around the world. While many individuals and families have a deep commitment to philanthropy, charitable giving is not limited to those with significant wealth. Donor advised funds are among the easiest and most tax-advantaged ways to give to charity.
How Donor Advised Funds Work
Family Governance & Dynamics
For many high net worth clients, running a family business, operating a family office or just investing as a family can create numerous challenges with a variety issues to address. A thorough, comprehensive framework is critical when planning and making decisions as an entire family.
Learn More
Morgan Stanley Online (MSO) & Mobile App
You can conveniently and securely manage your accounts wherever you go and whenever you need information. Simply, access your account online or from the convenience of your mobile device.
Learn More
Total Wealth View
Our Total Wealth View platform enables you to see all of your assets and liabilities together in one place – whether they are held at Morgan Stanley or elsewhere. This curated view enables me to provide a comprehensive analysis on your full financial picture.
Learn MoreAwards and Recognitions
Morgan Stanley Century Club (2026)
Todd Powell has been named to Morgan Stanley's prestigious Century Club, an elite group of the Firm's Financial Advisors.
Morgan Stanley Wealth Management Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Club membership is no guarantee of future performance.
Morgan Stanley Wealth Management Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Club membership is no guarantee of future performance.
Forbes Best-In-State Wealth Advisors (2025)
Source: Forbes.com (Awarded 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Click here to viewhttps://www.morganstanley.com/disclosures/awards-disclosure.html
Morgan Stanley Master's Club (2025)
Todd Powell has been named to Morgan Stanley's prestigious Master's Club, an elite group of the Firm's Financial Advisors.
Morgan Stanley Wealth Management Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Club membership is no guarantee of future performance.
Morgan Stanley Wealth Management Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Club membership is no guarantee of future performance.
Five Star Wealth Advisor (2021-2025)
Source: fivestarprofessional.com (Awarded 2021-2025). These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2025 Award: 01/01/25 - 08/01/25
2024 Award: 01/09/24 - 08/09/24
2023 Award: 01/09/23 – 07/31/23
2022 Award: 01/24/22 – 07/29/22
2021 Award: 12/28/20 – 08/06/21
Click here to view2025 Award: 01/01/25 - 08/01/25
2024 Award: 01/09/24 - 08/09/24
2023 Award: 01/09/23 – 07/31/23
2022 Award: 01/24/22 – 07/29/22
2021 Award: 12/28/20 – 08/06/21
Location
233 S Wacker Dr
Ste 8600
Chicago, IL 60606
US
Direct:
(312) 917-7542(312) 917-7542
Toll-Free:
(800) 334-2446(800) 334-2446
Fax:
(312) 917-7425(312) 917-7425
Awards and Recognition
Forbes Best-In-State Wealth Advisors
2025-2026 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2025-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
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
About Rosanne Peel
Rosanne Peel is a Private Banker serving Morgan Stanley Wealth Management offices in Illinois.
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.
Rosanne began her financial services career in 1987 and joined Morgan Stanley in 2022. Prior to that, she was a Senior Private Banker at BMO Family Office. She also served as a Marketing Manager in the Business Development Group at TD Securities, a Private Banking Relationship Manager at Toronto Dominion Bank, and a Private Banking Relationship Manager at Marine Midland Bank/HSBC.
Rosanne is a graduate of University of Delaware, where she received a Bachelor of Science in Business Administration. She and her family currently reside in Winnetka, Illinois.
From 2014 to 2019, Rosanne dedicated her time to The Auxiliary of the Woman’s Board of the Rush University Medical Center as a Member before transitioning to an Associate Member in 2019. Outside of the office, Rosanne enjoys staying active outdoors by hiking and scuba-diving. She also enjoys playing tennis, traveling, and cooking.
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.
Rosanne began her financial services career in 1987 and joined Morgan Stanley in 2022. Prior to that, she was a Senior Private Banker at BMO Family Office. She also served as a Marketing Manager in the Business Development Group at TD Securities, a Private Banking Relationship Manager at Toronto Dominion Bank, and a Private Banking Relationship Manager at Marine Midland Bank/HSBC.
Rosanne is a graduate of University of Delaware, where she received a Bachelor of Science in Business Administration. She and her family currently reside in Winnetka, Illinois.
From 2014 to 2019, Rosanne dedicated her time to The Auxiliary of the Woman’s Board of the Rush University Medical Center as a Member before transitioning to an Associate Member in 2019. Outside of the office, Rosanne enjoys staying active outdoors by hiking and scuba-diving. She also enjoys playing tennis, traveling, and cooking.
NMLS#: 800017
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
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
Article Image
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
Article Image
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
Article Image
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
Ready to start a conversation? Contact Todd Powell today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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)
