Dan Platt
Financial Advisor
Phone:
(435) 645-2768(435) 645-2768
Tracy Pati, CFP®, CDFA®
Vice President,
Financial Advisor
Direct:
(435) 901-6067(435) 901-6067
My Mission Statement
I believe the financial planning process will give you confidence that you and your loved ones can achieve financial success even as you navigate life's uncertainties.
My Story and Services
Tracy Pati brings a wealth of experience and a profound commitment to helping individuals and families achieve financial success. With a career in financial services spanning since 2014, Tracy firmly believes in the power of a comprehensive financial plan as the cornerstone of her client relationships. Holding the CERTIFIED FINANCIAL PLANNER™ (CFP®) and Certified Divorce Financial Analyst® (CDFA®)* designations, her approach encompasses a wide array of financial considerations, from investment strategies and tax awareness to estate planning and insurance needs, all tailored to her clients' unique circumstances and goals.
Tracy's journey in the financial services industry began with her cum laude graduation from the University of Utah, where she earned bachelor's degrees in International Studies and Spanish Teaching. She honed her skills at Cambridge Financial, acquiring securities and life and health insurance licenses. Her career then led her to Wells Fargo Advisors in California, where she served as a Client Associate. Upon returning to Utah, Tracy joined the Morgan Stanley Client Advisory Center, eventually rising to the position of Financial Advisor. Her two years as a Wealth Advisor Associate for the Mountain States Complex allowed her to hone her financial planning acumen.
Today, Tracy combines her diverse background, fluency in language and culture, insurance experience, and a strong commitment to client service to offer a comprehensive suite of wealth management and investment solutions. Beyond her professional life, Tracy has contributed to the Utah Lacrosse community, and wore multiple hats as a women's lacrosse official, coach, and player. She cherishes her family time, sharing her life with her husband Don, who transitioned from professional rugby to a career in law enforcement, and their three beautiful daughters, Kathy, Faith, and Jami. Together, they relish moments spent with their beloved pups, Charlie and Sophie.
For those seeking a complimentary financial plan that truly understands and respects their unique circumstances, Tracy is just a phone call or email away.
*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.
Tracy's journey in the financial services industry began with her cum laude graduation from the University of Utah, where she earned bachelor's degrees in International Studies and Spanish Teaching. She honed her skills at Cambridge Financial, acquiring securities and life and health insurance licenses. Her career then led her to Wells Fargo Advisors in California, where she served as a Client Associate. Upon returning to Utah, Tracy joined the Morgan Stanley Client Advisory Center, eventually rising to the position of Financial Advisor. Her two years as a Wealth Advisor Associate for the Mountain States Complex allowed her to hone her financial planning acumen.
Today, Tracy combines her diverse background, fluency in language and culture, insurance experience, and a strong commitment to client service to offer a comprehensive suite of wealth management and investment solutions. Beyond her professional life, Tracy has contributed to the Utah Lacrosse community, and wore multiple hats as a women's lacrosse official, coach, and player. She cherishes her family time, sharing her life with her husband Don, who transitioned from professional rugby to a career in law enforcement, and their three beautiful daughters, Kathy, Faith, and Jami. Together, they relish moments spent with their beloved pups, Charlie and Sophie.
For those seeking a complimentary financial plan that truly understands and respects their unique circumstances, Tracy is just a phone call or email away.
*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.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Alternative InvestmentsFootnote3
- Estate Planning StrategiesFootnote4
- Trust ServicesFootnote5
- Philanthropic ManagementFootnote6
- Divorce Financial AnalysisFootnote7
- Institutional ServicesFootnote8
- Endowments and FoundationsFootnote9
- Stock Plan ServicesFootnote10
- Business Succession PlanningFootnote11
Securities Agent: UT, WA, WY, WV, WI, VT, VI, VA, TX, TN, SD, SC, RI, PR, PA, OK, OH, NY, NM, NJ, NH, ND, NC, MT, MS, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, AK, NE, OR, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 2127450
CA Insurance License #: 0K15075
NMLS#: 2127450
CA Insurance License #: 0K15075
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Your Wealth Management Experience
Step 1: Introductory Meeting
Our relationship begins with an informal conversation to get to know you, and start to understand what’s important to you, your family and your loved ones. This is your opportunity to interview us as we get to know you.
Step 2: Discovery & Goal Setting
We continue the dialogue by fostering an in-depth conversation where we’ll gather specific details about what is important to you, including your goals and values. We’ll dive into your current financial picture and strategy, and begin to define your financial priorities, including both sides of your balance sheet, current investments and cash management strategies, your unique circumstances and your risk tolerance.
Step 3: Analysis & Plan Preparation
As a team, we’ll gather remaining details and collaborate with you to create your financial plan. We establish appropriate time lines and due dates, and will coordinate with your other financial professionals, such as your attorneys and accountants, as needed. Utilizing proprietary planning tools, we develop a flexible and personalized financial plan which will serve as the basis for our advice.
Step 4: Financial Plan Delivery & Investment Strategy
Together, you and the team will walk through your initial financial plan and discuss various planning considerations and strategies. We’ll discuss important investment concepts and provide details on our investment philosophy. We’ll target factors that are closely tied to your financial success such as income, spending, liquidity and insurance or estate needs.
Step 5: Investment Proposal & Plan Implementation
Once we have established a complete financial plan, we will present our recommendations. As we execute your plan, we’ll provide you with convenient access to your accounts and to your financial plan. We’ll provide ongoing updates and follow-up on key items to help ensure your financial plan and investment strategy are implemented as expected.
Step 6: Tracking & Regular Review
We apply a due diligence process to evaluate investment performance, and set up regular calls to discuss progress towards your goals. In these discussions, we determine if any adjustments are needed, since personal goals and market conditions change over time. Our dedicated team will be with you throughout your journey and we are always available to help. We pride ourselves on being your trusted consultants, and our goal is to give you confidence on the full spectrum of your financial world.
FAMILY OFFICE RESOURCES CAPABILITIES
We deliver the full range of experience to help address different aspects of your financial life: strategies to invest assets, but also to help manage taxes, transfer wealth, enhance philanthropic impact, reduce family conflict, and manage the affluent lifestyle.
Redefining Family Office
Your family is unlike any other we have ever served. You may, however, share many of the same questions, challenges and opportunities. We look forward to learning more about you and your family, and discussing how we can help you safeguard what you have earned and pursue your most important life goals. We deliver an exceptionally attentive level of service and dedicate ourselves to finding solutions to the challenges our clients face, even those challenges that fall well outside the traditional role of wealth managers.
Morgan Stanley Investment Management is a leading provider of alternative investment strategies with experience that spans across private equity, private credit, hedge funds, real estate, infrastructure, and custom multi-asset solutions.
Our team is dedicated to serving the unique needs of our clients by delivering exceptional portfolios and custom alternative investment programs.
Our team is dedicated to serving the unique needs of our clients by delivering exceptional portfolios and custom alternative investment programs.
Private Credit
Private Credit investing is an essential component of Morgan Stanley Investment Management’s alternative investments platform. We manage a well-defined group of strategies and seek to deliver attractive returns to our investors by forging successful partnerships with our portfolio companies.
Learn More
Real Estate
Morgan Stanley Real Estate Investing (MSREI) is the global private real estate investment management arm of Morgan Stanley. With ~200 professionals in 17 offices across 13 countries plus decades of experience investing internationally, MSREI is uniquely positioned to execute core and opportunistic strategies globally.
Learn More
Private Equity
Our private equity teams invest in segments of the market that, in our view, are generally underserved by other providers of private capital. We invest directly in private businesses and also allocate capital to compelling fund managers, secondary market opportunities and co-investments on behalf of our limited partners. We seek situations where we believe our expertise, reputation and access to the unparalleled resources of Morgan Stanley will enable us to generate attractive risk-adjusted returns.
Learn More
Infrastructure
Morgan Stanley Investment Management has been investing in infrastructure assets on a global basis for over 10 years. We have since emerged as one of the industry’s leading direct infrastructure investment platforms with offices in New York, London, Melbourne, Hong Kong, Amsterdam and Mumbai.
Learn More
Hedge Funds
We are focused in delivering a broad range of hedge fund portfolio strategies to a global client base. Our strategies include custom hedge fund portfolios; broadly-diversified, opportunistic and strategy-specific funds; and advisory services.
Learn More
Custom Multi-Asset Solutions
We are focused in managing custom alternative investment strategies that help enable us to address the unique risk, return and liquidity objectives of our clients.
Learn MoreInsight & Resources
Morgan Stanley provides clients with resources meant to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern market and economic landscape.
Wealth Management Audiocast
Check out our recent market update audiocasts, including the latest from Wealth Management Chief Investment Officer Lisa Shalett.
Listen Here
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out the Latest Episode
Global Investment Committee Weekly Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance, and fixed income.
GIC Weekly Report
GIC Monthly Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy, and more.
Read the Latest Report
Tax-Efficient Charitable Giving Strategies
Many of us prefer to combine our support for the causes and people we care about with a desire to save on taxes. Fortunately, there are strategies that may help us accomplish both. Whether you want to donate to charity or invest in a loved-one's future, consider these tax-smart ways to help make your giving go further.
Tax-Savvy Ways to Give
The One Conversation You Should Be Having
As hard as it is to swallow, old age can rob one of hard-won independence. And, at some point, we'll all be faced with the reality that we're unable or unfit to make important calls about finances and medical care. Take these steps to ensure that you have trusted decision-makers in place should you—or your parents—become incapacitated.
Follow These Steps
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. Members can enjoy special discounts and timely insights to support them at home and beyond.
View Offers from Reserved Living & Giving
2025 Federal Tax Tables
This document outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
View 2025 Tax TablesLocation
1441 W. Ute Blvd
Suite 180
Park City, UT 84098
US
Direct:
(435) 901-6067(435) 901-6067
Meet My Team
Mark Thorup
Financial Advisor
Phone:
(801) 322-7653(801) 322-7653
Michael Ruzek
Financial Advisor, Branch Manager, Senior Portfolio Management Director, Investing with Impact Director, Family Wealth Director, Alternative Investments Director, Workplace Advisor - Equity Compensation
Phone:
(435) 645-2763(435) 645-2763
Lisa Nielson
Phone:
(435) 645-2770(435) 645-2770
Melanie L. Hanna
Portfolio Associate
Phone:
(435) 645-2769(435) 645-2769
About Dan Platt
As an experienced and thoughtful professional, I enjoy helping individuals and businesses achieve their financial goals with world class client experience, confidence, and an affordable fee structure for comprehensive financial and investment strategies.
I am focused on my client's financial goals by being genuine, ethical, listening, and utilizing Morgan Stanley's premier platform and full spectrum of financial products. Delivering in the way that is most appropriate for how you invest and what you want to achieve.
I understand that investing is only one aspect of my client's financial picture. This is why I believe in working successfully with your CPA and Estate Attorney for a complete strategy for all your financial needs.
I have been in this industry since 1999. First with Merrill Lynch and then joined Morgan Stanley in 2012. I am licensed with FINRA's Series 7, 63 and 65 and NMLS and I have been awarded several recognition awards for client service excellence.
I enjoy my career, volunteering, sports, good movies, exploring, driving my jeep, and spending time with my family and friends.
I am focused on my client's financial goals by being genuine, ethical, listening, and utilizing Morgan Stanley's premier platform and full spectrum of financial products. Delivering in the way that is most appropriate for how you invest and what you want to achieve.
I understand that investing is only one aspect of my client's financial picture. This is why I believe in working successfully with your CPA and Estate Attorney for a complete strategy for all your financial needs.
I have been in this industry since 1999. First with Merrill Lynch and then joined Morgan Stanley in 2012. I am licensed with FINRA's Series 7, 63 and 65 and NMLS and I have been awarded several recognition awards for client service excellence.
I enjoy my career, volunteering, sports, good movies, exploring, driving my jeep, and spending time with my family and friends.
Securities Agent: MD, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, ME, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA; General Securities Representative; Investment Advisor Representative
About Mark Thorup
Securities Agent: CA, MD, KS, MA, MI, VA, HI, NY, OR, ID, IL, FL, CO, UT, WI, OH, TX, AZ, NE, MS, PA, RI, TN, LA, MN, NJ, SC, WV, DE, OK, WY, MT, AK, DC, GA, KY, ND, NH, AR, IA, ME, MO, AL, IN, NM, WA, NC, NV, SD, VT, CT; General Securities Representative; Investment Advisor Representative
About Michael Ruzek
Securities Agent: MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, MT, VI, KY, IA, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, KS, LA, MA, MD, ME, MI, MN, MO; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255442
NMLS#: 1255442
About Melanie L. Hanna
Melanie's professional journey has been marked by a bold career shift in 2010, transitioning from the realm of luxury retail to the dynamic world of finance. Over the past 13 years, she has contributed her expertise to various teams within Morgan Stanley, predominantly focusing on operations. However, her innate passion for client interactions led her to an exciting opportunity with a team based in Tampa, Florida. A proud graduate of Weber State University in Utah with a degree in Sales and Marketing. Beyond her professional pursuits, Melanie has a zest for life that knows no bounds.
On a more personal note, Melanie's adventurous spirit was nurtured during her upbringing, as she spent her formative years in Germany and Belgium, in addition to living and working in diverse cities such as DC, Baltimore, New York, Philadelphia, and Tampa. Melanie finds joy in lifting weights, indulging in movies, and exploring the world through travel. Her love for adrenaline rushes is satisfied through whitewater rafting, and she's also an avid horsewoman who rides, shows, and breeds Arabian horses. One of her most ambitious goals is to compete in the Tevis Cup, a grueling 100-mile endurance race that must be completed within 24 hours.
Melanie's caring nature extends to her family, as she enthusiastically supports her nieces and nephews in their activities. Her heart is further warmed by her three-legged cat, Grisabella. Recently, the allure of the mountains beckoned Melanie back to her roots, and she's thrilled to be a part of our team in Park City, where she continues to channel her passion for exceptional client experiences.
On a more personal note, Melanie's adventurous spirit was nurtured during her upbringing, as she spent her formative years in Germany and Belgium, in addition to living and working in diverse cities such as DC, Baltimore, New York, Philadelphia, and Tampa. Melanie finds joy in lifting weights, indulging in movies, and exploring the world through travel. Her love for adrenaline rushes is satisfied through whitewater rafting, and she's also an avid horsewoman who rides, shows, and breeds Arabian horses. One of her most ambitious goals is to compete in the Tevis Cup, a grueling 100-mile endurance race that must be completed within 24 hours.
Melanie's caring nature extends to her family, as she enthusiastically supports her nieces and nephews in their activities. Her heart is further warmed by her three-legged cat, Grisabella. Recently, the allure of the mountains beckoned Melanie back to her roots, and she's thrilled to be a part of our team in Park City, where she continues to channel her passion for exceptional client experiences.
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
Scott Knudsen
Senior Private Banker
About Scott Knudsen
Scott Knudsen is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Colorado, Utah, and Wyoming.
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.
Scott began his career in financial services in 2001 and joined Morgan Stanley in 2006 as a High Net Worth Lending Advisor. Prior to joining the firm, he was a Credit Analyst at Merrill Lynch.
Scott is a graduate of the University of Utah, where he received a Bachelor of Science in Finance. He lives in Park City, Utah with his family. Outside of the office, Scott enjoys hiking, mountain biking, skiing and camping.
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.
Scott began his career in financial services in 2001 and joined Morgan Stanley in 2006 as a High Net Worth Lending Advisor. Prior to joining the firm, he was a Credit Analyst at Merrill Lynch.
Scott is a graduate of the University of Utah, where he received a Bachelor of Science in Finance. He lives in Park City, Utah with his family. Outside of the office, Scott enjoys hiking, mountain biking, skiing and camping.
NMLS#: 1006961
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
This is a video content
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
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 Tracy Pati 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.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4Morgan 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.
5Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“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.
6Products 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.
7Morgan 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.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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, charitable giving, philanthropic planning and other legal matters.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
11Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
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.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4Morgan 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.
5Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“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.
6Products 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.
7Morgan 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.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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, charitable giving, philanthropic planning and other legal matters.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
11Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
