Claire Neville
Registered Client Service Associate
Phone:
(858) 597-7872(858) 597-7872
Tomer Rabizadeh
Senior Vice President,
Financial Advisor,
Financial Planning Specialist,
Alternative Investments Director,
Insurance Planning Director
Direct:
(858) 597-7726(858) 597-7726
Toll-Free:
(800) 237-4821(800) 237-4821
My Mission Statement
My mission is to simplify, strategize and safeguard the financial lives of the clients we serve. The efficiency of your capital is my guiding principle.
My Story and Services
Clients work with me because they want to simplify their finances and they need a strategy to make their money work more efficiently. I believe that it is crucial to preserve your decades of hard work, sacrifice and savings. First class financial services can make a lasting, positive impact on your lifestyle and the legacy you leave behind. Having a disciplined rational approach to investing can remove the emotions that often times get in the way of sound thinking. Most of all, clients need to work with someone they can trust. These are the reasons I am so passionate about the work I do and the people I work with.
With the resources of Morgan Stanley, a global leader in Wealth Management, we offer a customized boutique experience founded on a disciplined planning process. I believe in the efficiency of your capital and that no one should have to build wealth twice.
The foundations of my practice are the experience, client base and longstanding relationships developed over my, Bruce and Tom's careers. In an effort to serve you better, I have worked to expand my services and offerings. Towards that end, I have earned the designations of Financial Planning Specialist, Alternative Investments Director and Insurance Planning Director. Financial planning and customized investment strategies are the fundamental building blocks of my holistic advisory practice.
With the resources of Morgan Stanley, a global leader in Wealth Management, we offer a customized boutique experience founded on a disciplined planning process. I believe in the efficiency of your capital and that no one should have to build wealth twice.
The foundations of my practice are the experience, client base and longstanding relationships developed over my, Bruce and Tom's careers. In an effort to serve you better, I have worked to expand my services and offerings. Towards that end, I have earned the designations of Financial Planning Specialist, Alternative Investments Director and Insurance Planning Director. Financial planning and customized investment strategies are the fundamental building blocks of my holistic advisory practice.
Services Include
Securities Agent: VA, IL, UT, SD, AL, WY, TX, SC, ME, DC, PA, AZ, MT, NV, HI, TN, OR, OH, FL, NH, MA, KY, IA, DE, CA, NY, NJ, MI, MD, CO, NM, NC, MS, WV, WA, ID, GA, CT, AR, WI, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 1288225
CA Insurance License #: 0I78995
NMLS#: 1288225
CA Insurance License #: 0I78995
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Financial Planning and Portfolio Management Process
Our planning process begins with you, your personal goals, your financial goals, and your investment objectives. It is holistic in its approach and encompasses all the key elements of your financial life as well as your cash management needs. Your curated wealth plan includes research and recommendations across a wide range of asset classes, themes, models, and investment managers to accomplish your objectives. Your financial plan should include more than just your investment objectives. Rather, it should be tailored to address the personal life and legacy goals you've identified and prioritized.
As a Financial Planning Specialist, Tomer takes the lead on conducting financial planning analysis and portfolio creation for you and your family.
Using our suite of tools, we can create your personal roadmap to help achieve and protect your financial objectives and life goals.
Client Discovery
Our relationship begins with a thorough understanding of your immediate needs, priorities and goals. We'll discover details about your credit and basic finances and help you take precautions to maintain credit and preserve assets.
Asset Allocation
We develop a tailored roadmap to begin to help you rebuild your wealth and achieve the outcomes you seek. We'll identify the strategies to help you:
• Plan for retirement
• Provide healthcare protection for yourself and your children
• Revise your estate and legacy plan
• Advise you in reducing your tax liability
Portfolio Construction
Next, we help you implement the strategies we formulate together, taking into account special circumstances, such as tax consequences of selling large assets like your home or your business.
Monitoring and Review
Achieving your goals requires vigilance and flexibility. This is why we monitor your process and make adjustments as your life evolves, markets and tax laws shift, and your priorities change.
LifeView® Helps Us Help You By:
• Analyzing your current investments and financial situation
• Reviewing and prioritizing your other goals such as retirement, education or business interests
• Major purchases and philanthropic goals
• Help protect your wealth from potential liabilities
• Develop wealth transfer strategies tax-efficiently
Portfolio Management
We will work with you to help translate your goals into a specific investment objective and personalized investment strategy. Then, utilizing our Portfolio Manager's knowledge, team's experience, and Morgan Stanley's resources, we will structure your portfolio for you. We'll continuously monitor your investments and evaluate the strategy, striving to bring you closer to your definition of investment success.
Alternatives Deep Dive
We have deep experience in Alternative Investments. As an Alternative Investments Director, Tomer provides individuals and institutions access to world-class investment strategies spanning private equity, real assets, private credit, hedge funds, and digital assets. These strategies may deliver differentiated sources of return relative to traditional equity and fixed-income investments, as well as offer the potential for tax efficiency. The many potential benefits that alternatives can provide you include:
• Diversification of holdings, you would not be heavily exposed in any one risk area
• Volatility reduction
• Mitigation of tax liabilities
• Cash flow and income benefits
The Morgan Stanley Advantage
With over 45 years of experience and $180 billion in client assets invested in alternatives, Morgan Stanley Wealth Management is a renowned industry leader in this asset class. Individuals and institutions have access to exclusive offerings, preeminent fund managers, and creative investment opportunities spanning:
• Private Equity
• Private Credit
• Real Estate / Real Assets
• Hedge Funds
• Digital Assets
• Tax-Advantaged Strategies
Why Alternative Investments?
Alternatives are investments that go beyond traditional stocks and bonds. What this means to you is they can open doors for additional and exclusive investment opportunities, lower volatility, and advantages for greater yields and returns. This includes:
• Expanding your wealth-building opportunities
• Portfolio diversification
• Lower Volatility
• Potential for greater tax-efficiency
Innovative Ways to Diversify Your Portfolio
Alternative strategies, such as those focused on hedge funds, private capital, and real assets, have long been appealing as a potential source of higher yields, lower volatility, and returns uncorrelated with stocks and bonds. Still, such strategies are typically reserved for institutional and ultra-high-net-worth investors, which have been out of reach for many individuals. The good news is working with Morgan Stanley, you have access to a host of these innovative investment vehicles.
Alternative Strategies: 6 Key Themes
In today's environments where traditional investing can be very standardized, alternative investments can play an important strategic role in certain portfolios. They can help diversify a portfolio and serve as an inflation hedge, as well as provide potential income. Here are six strategies that can guide your thinking on alternative investing in the near to intermediate term.
Insurance and Annuity Solutions
A sound wealth plan involves more than just seeking returns. It involves mitigating and managing risks, as well as helping you prepare for when the unexpected occurs. Insurance, annuities, and longevity planning strategies are often used to help you plan for and guard against life's hidden curves. Tomer helps you protect your hard-earned assets and your family's well-being.
As an Insurance Planning Director and Financial Planning Specialist, Tomer works with you to identify strategies that fit your family's unique situation and can be incorporated into your comprehensive wealth and legacy plan. This approach helps enhance your tax efficiency and protect you and your loved ones from the unexpected.
Learn more about the considerations, asset protection, and tax benefits associated with insurance, annuities, and other longevity planning solutions.
Feel welcome to explore the resources below and contact me to discuss.
Planning for the Rising Costs of Health Care
Health care costs are rising - especially for retirees, and some may need long-term care. Learn the moves you can make to help prepare yourself.
Insured Solutions
At Morgan Stanley, we offer a robust suite of insurance and annuities solutions backed by its licensed insurance agency affiliates that can aid in safeguarding you and your loved ones.
You're Ready for Retirement. Is Your Portfolio?
The market can influence your decision on when to retire. Learn how to help protect your nest egg, including the potential role of annuities in retirement.
Our Suite of Digital Tools & Seasonal Resources
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies and seasonal resources we have to offer our clients.
2025 Retirement Plan Contribution Limits
The IRS has announced the new maximum retirement plan contribution limits for 2025
On The Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Market Essentials Q3 2025
This quarterly resource is intended to break down market movements and trends in a digestible way. The content in these decks is tailored to the everyday investor who wants to stay informed about what is driving markets.
Morgan Stanley Online
View your investments and finances in just a few clicks with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Total Wealth View
Managing multiple financial accounts across different firms can be complicated. With Morgan Stanley Online, you can link your non-Morgan Stanley accounts and analyze your cash flow all in one place for more informed wealth planning.
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Digital Vault
Digital Vault lets you easily and conveniently manage and share life's most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings.
Security Center
Safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Location
4350 La Jolla Village Dr
Ste 1000
San Diego, CA 92122
US
Direct:
(858) 597-7726(858) 597-7726
Toll-Free:
(800) 237-4821(800) 237-4821
Meet My Team
Nic Trounce
Client Service Associate
Phone:
(858) 597-7713(858) 597-7713
Liza Rabizadeh
Registered Client Service Associate
Phone:
(858) 597-7712(858) 597-7712
About Claire Neville
Claire Neville began her career with Morgan Stanley in 2024, after previously working in marketing in the entertainment industry. She works closely with clients through active communication and provides them with essential support services. Claire holds her Series 7 and 66 licenses and graduated Cum Laude from the University of Southern California with a B.A. in Journalism and a minor in Art History. She currently resides in Encinitas, CA.
About Nic Trounce
Nic has worked on the E*TRADE side of Morgan Stanley for the last 5 years. Prior to his time with E*TRADE he had been in the insurance industry as an Agent and in the logistics industry as an Account Executive.
Nic graduated from BYU-I with a degree in business Management and has always had a fascination with finance which eventually led him to the industry. Nic recently relocated to San Diego with his wife Paige and two little boys Russell and Johnny, which they are excited about as they both grew up in California. In Nic's spare time, he enjoys playing basketball and watching basketball, specifically the Lakers. Nic is a classic "car geek," and above all else, enjoys spending time with his family.
Nic graduated from BYU-I with a degree in business Management and has always had a fascination with finance which eventually led him to the industry. Nic recently relocated to San Diego with his wife Paige and two little boys Russell and Johnny, which they are excited about as they both grew up in California. In Nic's spare time, he enjoys playing basketball and watching basketball, specifically the Lakers. Nic is a classic "car geek," and above all else, enjoys spending time with his family.
About Liza Rabizadeh
Liza began her career with Morgan Stanley in January of 2020, after previously working in several operations' driven roles. She graduated from Penn State University with a dual degree in International Relations and Russian Literature.
Liza is looking forward to closely working with the team to enhance new and existing client relationships through Morgan Stanley's Client Service Model, streamlining the team's operations and driving client engagement in Morgan Stanley's proprietary modern wealth tools.
Liza, Tomer and their three children recently relocated to San Diego and are enjoying everything it has to offer.
Liza is looking forward to closely working with the team to enhance new and existing client relationships through Morgan Stanley's Client Service Model, streamlining the team's operations and driving client engagement in Morgan Stanley's proprietary modern wealth tools.
Liza, Tomer and their three children recently relocated to San Diego and are enjoying everything it has to offer.
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
Michael Mackowiak
Private Banker
Keller Casey
Planning Associate
About Michael Mackowiak
Michael Mackowiak 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.
Michael began his career in financial services in 2008, and joined Morgan Stanley in 2019 as a Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
He lives in Chula Vista, California with his family. Outside of the office, Michael enjoys watching soccer and baseball, traveling, and spending time with his family.
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.
Michael began his career in financial services in 2008, and joined Morgan Stanley in 2019 as a Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
He lives in Chula Vista, California with his family. Outside of the office, Michael enjoys watching soccer and baseball, traveling, and spending time with his family.
NMLS#: 1069297
About Keller Casey
Keller Casey is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Keller provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from The University of Oklahoma and received the Financial Planning Specialist® designation from the College for Financial Planning. Keller is originally from Dallas, TX and currently resides in New York, NY.
He earned his undergraduate degree from The University of Oklahoma and received the Financial Planning Specialist® designation from the College for Financial Planning. Keller is originally from Dallas, TX and currently resides in New York, NY.
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
When 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.
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
When 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.
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
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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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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.
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
Rational Investing in an Age of Uncertainty
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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 Tomer Rabizadeh today.
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.
4Morgan 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.
5Morgan 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
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
9Morgan 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.
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
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.
4Morgan 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.
5Morgan 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
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
9Morgan 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.
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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
