Tiara Gentry
Wealth Management Associate
Phone:
(626) 584-3402(626) 584-3402
Todd Reynolds, CIMA®
Managing Director, Wealth Management,
Wealth Advisor,
Senior Portfolio Management Director,
Lending Specialist
Direct:
(626) 584-3439(626) 584-3439
Direct:
(800) 488-1240(800) 488-1240
Industry Award WinnerMy Mission Statement
Our mission is to help you set and work toward achievable goals. In doing so, we hope to reduce stress associated with personal financial decisions, allowing you to focus on whom and what is most important to you.
OUR STORY AND SERVICES
Wealth Management involves far more than managing an investment portfolio. It begins with a holistic, comprehensive understanding of who you are and the financial variables at work in your life. It means helping you to understand and to respond effectively to financial decisions. Wealth Management is helping you manage your personal income statement and balance sheet in a way that reflects the realities of your life and the uniqueness of your long-term goals.
As your Wealth Management Team, we are committed to building a relationship of trust in which we can work closely with you to help you define objectives, explore options, and find solutions. As our relationship evolves, we hope you will come to regard us as a valued resource – professionals who can help you make a more informed decision on any financial issue.
With a focus on partners of national law firms, our team works primarily with time-constrained individuals. Our experience enables us to provide highly customized and comprehensive recommendations without necessitating hours of your time.
Our process is suitable to anyone who is committed to wealth accumulation and preservation strategies. Our service model is designed to increase your awareness of economic conditions and related portfolio changes, while minimizing your time commitment to portfolio management and monitoring. Our investment philosophy is to seek higher net, risk-adjusted returns than allocation benchmarks.
About Todd Reynolds
Functions
• Financial Planning
• Business Management
• Marketing
Todd has analyzed personal balance sheets and financial projections since 1999. He earned an MBA from the University of Southern California and the CIMA® designation from Wharton School of Business. Our wealth management process incorporates the same strategies used for business growth, including increasing potential return on assets, decreasing costs of liabilities, and implementing risk controls. Todd performs cash flow projections and portfolio growth analyses while considering each client's unique personal information to establish a customized asset allocation strategy.
Additionally, he oversees both the management and marketing functions for the group. Todd's expertise in wealth management has earned him recognition on Forbes' List of Best-In-State Wealth Advisors for 2022 and 2023 as well as Team Member – Best-In-State Wealth Management Teams for 2023.
Beyond his professional accomplishments, Todd has a keen interest in economic and religious history. He is married to his high school sweetheart from La Canada and has four children.
Barron's 2025 Top 250 Private Wealth Management Teams
(Source: Barron's - Awarded May 2025. Data compiled by Barron's for the time period from Jan 2024 - Dec 2024.)
2025 Forbes Best-In-State Wealth Advisors
Source: Forbes (Awarded April 2025) Data compiled by SHOOK Research LLC based on time period from 6/30/23-6/30/24.
Securities Agent: ID, VA, NM, MS, IL, VT, CT, WY, OR, MN, FL, CO, AZ, AR, UT, SC, KS, GA, RI, NV, NJ, MI, ME, DE, TX, TN, SD, NE, MT, MD, AK, WA, PA, OK, HI, DC, WI, OH, NY, MO, MA, KY, NC, IN, CA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1272850
CA Insurance License #: 0D03613
NMLS#: 1272850
CA Insurance License #: 0D03613
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
A thoughtful wealth management strategy starts with accumulating your personal data – assets, liabilities, income, insurances, and goals. We incorporate statistical analysis to understand the range of potential outcomes for various "What-If" scenarios. We test the sensitivity of the primary assumptions in those scenarios and determine appropriate investment targets (annual savings, rate of return, and risk parameters). We then design an overall asset allocation, reflecting your unique needs and objectives. As life events are unpredictable, it is important to validate the investment targets over time and make appropriate changes to the strategy when necessary.
Assets
Once we determine an appropriate asset allocation, we construct a diversified portfolio comprised of one or more of our investment strategies. Each strategy is comprised of our best investment selections within each asset class – Stocks, Bonds, Alternative Investments, Tactical Investments, and Cash Equivalents. The strategies differ in percentage allocation to each asset class, reflecting differing levels of expected risk and return. We use a combination of strategies to help achieve your overall custom asset allocation. The combination of strategies depends on the number and size of accounts within your aggregate portfolio (e.g., IRAs, taxable accounts, etc). We manage the strategies on a discretionary basis, allowing us to make changes efficiently as markets evolve.
Liabilities
Managing what you owe is just as important as managing what you own. We help you make debt decisions based on long-term objectives and short-term conditions. For example, we help answer questions such as, "Should I use my bonus to pay down my mortgage?" (The answer isn't the same for everyone.) We also bring unique and less known debt strategies to you, where appropriate. Our liability recommendations are motivated by reducing total cost of debt over time.
Income
Cash flow is king. The whole objective behind retirement planning is to get to a point where you can turn off the "work spigot" and have enough income from other sources to pay the bills for the rest of your life. Inflation, social security uncertainties, and market volatility are a few of the threats to long-term income sustainability. We help you determine how much of your income today needs to be put aside to help ensure that you have sufficient income later.
Insurances
We can help you understand any gaps or areas of vulnerability within your financial situation. We can also help calculate the amount of insurance coverage you may need in order to eliminate those gaps so that you make more informed decisions on insurance transactions. Our clients appreciate our objective and methodical approach to analyzing their insurance needs.
Goals
Every client has unique and very personal financial goals. They represent expectations, aspirations, and lifelong dreams. These goals form the basis of our relationship with you – we calculate the cost of your dreams and then design a road map for getting there. As your goals change over time, so may the road map. It is critical that we have open communication about your evolving financial condition and expectations for the future, so that your portfolio continually reflects your goals.
Service Commitment
At the heart of most poor financial decisions is an emotional reaction to either fear or greed. Over the years, we have found that regular communication with clients diffuses much of the emotional responses to market volatility. We formally schedule outbound calls to clients, so as to ensure this regular communication. On those calls, we discuss current economic and market conditions, portfolio composition, and client-specific performance. We want you to always know what we are doing and why we are doing it. In addition to the regularly scheduled calls, we are available at any time to discuss financial decision-making.
Fees
The Portfolio Management Program fee is based on assets under management (AUM), per household ("household" can include other family members). In this way, our objective is directly aligned with your primary concern (i.e., "achieving return targets and staying within risk parameters"), regardless of trade frequency. In some instances a commission arrangement is more appropriate.
Tax-Efficient Strategies
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We want to provide our clients with as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
4 Key Tax Questions for Investors to Consider
Factoring the impact of taxes into your investment decisions can help you keep more of your hard-earned money, both now and in the future.
Explore the Questions Here
Tax-Efficient Portfolios
Morgan Stanley Portfolio Solutions/Parametric Tax Efficient Portfolios are designated for high-net-worth investors seeking a tax-managed, diversified portfolio. Portfolios are monitored, evaluated, and rebalanced to maintain diversification and react to changing market conditions. Some key benefits include tax efficiencies, clarity by combining multiple asset classes in one account, and confidence with asset allocation advice deriving from the Global Investment Committee, so your portfolio is aligned with the firm's best thinking.
Learn More About the Portfolios Here
Tax-Smart Strategies for Retirement
Looking for ideas on how to be more tax efficient when planning for your retirement?
Read the Strategies Here
Actively Pursuing Tax Alpha
Opportunities for tax strategies ebb and flow with the fluctuations of the market and not with our fiscal calendars. Incorporating tax-sensitive investing into the daily trading activity of an account can capitalize on market fluctuations and potentially yield better after-tax results.
Read More About Tax AlphaDIGITAL TOOLS
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online (MSO)
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorizations.
Total Wealth View
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind. Log into Morgan Stanley Online or download the Morgan Stanley Mobile App to link and add external accounts.
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 catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery. Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
Location
55 South Lake Ave
Ste 700
Pasadena, CA 91101
US
Direct:
(626) 584-3439(626) 584-3439
Meet My Team
John Potter
Assistant Vice President, Portfolio Management Associate
Phone:
(626) 405-9353(626) 405-9353
Sam LoPresti
First Vice President, Business Development Director
Phone:
(626) 405-9323(626) 405-9323
Dylan Maclaren
Registered Client Service Associate
Phone:
(626) 304-2487(626) 304-2487
About Tiara Gentry
Functions:
• Operations
• Client Service
Tiara has worked in financial services since 2000. She is director of operations for our group, helping clients with everything from understanding statements and getting online to transferring accounts and ordering checks. As client information is highly confidential, Tiara is responsible for managing all client information and special instructions. If a client concern involves portfolio questions or a financial decision, Albie or Todd would be your primary contact. If you need anything else, Tiara will most often have the answer.
Tiara appreciates a quality handbag. She and her husband are raising four children, including twin girls.
• Operations
• Client Service
Tiara has worked in financial services since 2000. She is director of operations for our group, helping clients with everything from understanding statements and getting online to transferring accounts and ordering checks. As client information is highly confidential, Tiara is responsible for managing all client information and special instructions. If a client concern involves portfolio questions or a financial decision, Albie or Todd would be your primary contact. If you need anything else, Tiara will most often have the answer.
Tiara appreciates a quality handbag. She and her husband are raising four children, including twin girls.
About John Potter
Functions:
• Investment Research
• Performance Reporting
• Trade Support
• Projections Modeling
John has worked in financial services since 2012. He earned his B.S. in Economics from Brigham Young University and his M.B.A in Finance from Azusa Pacific University. John applies his analytical skills in helping manage portfolio models, in running lifetime cash flow projections, and in assisting with portfolio trades. Trained in all aspects of our business, John is able to support each team member in their respective responsibilities.
John and his family relocated to the Kansas City area in 2022. John, his wife Audrey, and their two sons, enjoy spending time outdoors at their local park and perusing the aisles at the local library.
• Investment Research
• Performance Reporting
• Trade Support
• Projections Modeling
John has worked in financial services since 2012. He earned his B.S. in Economics from Brigham Young University and his M.B.A in Finance from Azusa Pacific University. John applies his analytical skills in helping manage portfolio models, in running lifetime cash flow projections, and in assisting with portfolio trades. Trained in all aspects of our business, John is able to support each team member in their respective responsibilities.
John and his family relocated to the Kansas City area in 2022. John, his wife Audrey, and their two sons, enjoy spending time outdoors at their local park and perusing the aisles at the local library.
CA Insurance License #: 0I53227
About Sam LoPresti
Functions:
• Operations
• Client Service
Sam LoPresti has been with Morgan Stanley since 1986. He began his career as a New Accounts Specialist, and later worked in a backup capacity for cashiering and wire operator. Sam then naturally transitioned into a CSA position. In 1993, he moved into management as an Operations Manager in the Costa Mesa Office, where he managed operations and support professionals for over 14 years. He then took on regional roles, including Southern CA Regional Service Manager for two years and Western Division Service Manager overseeing all operations for the West Coast.
After a two-year sabbatical following the merger with Smith Barney, Sam returned to Morgan Stanley in 2012 as the Southern CA Business Service Officer for the Orange County/San Diego area. He later worked in Human Resources for a year before becoming the Complex Business Service Officer for the Pasadena Complex in 2014. He held this role until 2020 before becoming a Business Service Manager until April of 2021. He currently works as a Business Development Director with the Rath Vollero & Reynolds Group. In this role, he supervises all service and business across the complex, managing the Business Service Managers, maintaining a strong business and service culture, and ensuring compliance standards are met.
Sam's strengths lie in customer service and people skills, and he enjoys interacting with clients to understand their needs and help them achieve their goals. He is also actively involved in his community, supporting charitable organizations and participating in group events.
Sam is a First Vice President with Series 7, 63, 65, 9, and 10 licenses. In his spare time, he enjoys working on home remodel/decorating projects and is skilled in electrical, woodworking, tile/stonework, and painting. He is also an artist, using oil painting and watercolors as his preferred mediums. Sam is passionate about the outdoors, cooking, entertaining guests, hiking, bike riding, swimming, and travel.
• Operations
• Client Service
Sam LoPresti has been with Morgan Stanley since 1986. He began his career as a New Accounts Specialist, and later worked in a backup capacity for cashiering and wire operator. Sam then naturally transitioned into a CSA position. In 1993, he moved into management as an Operations Manager in the Costa Mesa Office, where he managed operations and support professionals for over 14 years. He then took on regional roles, including Southern CA Regional Service Manager for two years and Western Division Service Manager overseeing all operations for the West Coast.
After a two-year sabbatical following the merger with Smith Barney, Sam returned to Morgan Stanley in 2012 as the Southern CA Business Service Officer for the Orange County/San Diego area. He later worked in Human Resources for a year before becoming the Complex Business Service Officer for the Pasadena Complex in 2014. He held this role until 2020 before becoming a Business Service Manager until April of 2021. He currently works as a Business Development Director with the Rath Vollero & Reynolds Group. In this role, he supervises all service and business across the complex, managing the Business Service Managers, maintaining a strong business and service culture, and ensuring compliance standards are met.
Sam's strengths lie in customer service and people skills, and he enjoys interacting with clients to understand their needs and help them achieve their goals. He is also actively involved in his community, supporting charitable organizations and participating in group events.
Sam is a First Vice President with Series 7, 63, 65, 9, and 10 licenses. In his spare time, he enjoys working on home remodel/decorating projects and is skilled in electrical, woodworking, tile/stonework, and painting. He is also an artist, using oil painting and watercolors as his preferred mediums. Sam is passionate about the outdoors, cooking, entertaining guests, hiking, bike riding, swimming, and travel.
About Dylan Maclaren
Functions:
• Operations
• Client Service
Dylan MacLaren our Registered Client Service Associate, is dedicated to delivering a detailed client experience, focusing on building strong relationships with clients, as he provides the team administrative and operational support and assisting with the development and growth of our team.
Dylan holds the Series 7 and 66 licenses from FINRA, which designates him as both a securities agent and an investment advisor representative. He is also a certified Dale Carnegie graduate, having received a scholarship from the Delta Chi national board to participate in the Dale Carnegie leadership course. Dylan received The Highest Award for Achievement for his cohort and had to present a speech to the national board of Dale Carnegie and others.
Dylan graduated with Honors student from California State University of Long Beach with a 4.0 GPA majoring in business administration with an option in finance. Outside of his professional pursuits, Dylan prioritizes staying active with gym workouts, bike rides and hiking. He served on the executive board of the Delta Chi Fraternity raising money for cancer research. Above all, he values building genuine connections with people and maintaining a positive and driven attitude.
• Operations
• Client Service
Dylan MacLaren our Registered Client Service Associate, is dedicated to delivering a detailed client experience, focusing on building strong relationships with clients, as he provides the team administrative and operational support and assisting with the development and growth of our team.
Dylan holds the Series 7 and 66 licenses from FINRA, which designates him as both a securities agent and an investment advisor representative. He is also a certified Dale Carnegie graduate, having received a scholarship from the Delta Chi national board to participate in the Dale Carnegie leadership course. Dylan received The Highest Award for Achievement for his cohort and had to present a speech to the national board of Dale Carnegie and others.
Dylan graduated with Honors student from California State University of Long Beach with a 4.0 GPA majoring in business administration with an option in finance. Outside of his professional pursuits, Dylan prioritizes staying active with gym workouts, bike rides and hiking. He served on the executive board of the Delta Chi Fraternity raising money for cancer research. Above all, he values building genuine connections with people and maintaining a positive and driven attitude.
Awards and Recognition
Barron's Top 250 Private Wealth Management Teams
Barron's Top 250 Private Wealth Management Teams Source: barrons.com (Awarded May 2025) Data compiled by Barron's for the period Jan 2024-Dec 2024.
Forbes Best-In-State Wealth Advisors
2024-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
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.
3
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
Peter Barash
Private Banker
About Peter Barash
Peter Barash is a Private Banker serving Morgan Stanley Wealth Management offices in California.
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.
Peter began his career in financial services in 1984, and joined Morgan Stanley in 2010 as a Private Banker. Prior to joining the firm, he was a Private Banking Specialist at U.S. Bank.
Peter is a graduate of Columbia University, where he received a Bachelor of Arts in Economics and Comparative Literature. He holds an MBA from the University of Southern California. He lives in Glendale, California with his family. Outside of the office, Peter enjoys, hiking, playing bass guitar and reading.
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.
Peter began his career in financial services in 1984, and joined Morgan Stanley in 2010 as a Private Banker. Prior to joining the firm, he was a Private Banking Specialist at U.S. Bank.
Peter is a graduate of Columbia University, where he received a Bachelor of Arts in Economics and Comparative Literature. He holds an MBA from the University of Southern California. He lives in Glendale, California with his family. Outside of the office, Peter enjoys, hiking, playing bass guitar and reading.
NMLS#: 799189
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, 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
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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.
Ready to start a conversation? Contact Todd Reynolds today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
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
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
