Christopher Tritsch
Tritsch, Tritsch and Cofone Group at Morgan Stanley
Direct:
(561) 620-5011(561) 620-5011
Our Mission Statement
Empowering your financial journey, we are committed to delivering personalized strategies, skilled guidance, and a steadfast dedication to help you achieve your life and wealth goals. With a focus on transparency, trust, and excellence, we help you navigate the complexities of finance.
Our Story and Services
Welcome to the Tritsch, Tritsch, and Cofone Group at Morgan Stanley—where expertise meets dedication. Our team is comprised of three seasoned Financial Advisors, each bringing decades of valuable experience to the table. As a Certified Financial Planner (CFP) among us, we stand at the forefront of industry knowledge and best practices.
Our story begins with a shared commitment to providing unparalleled financial guidance. With roots deeply embedded in the financial landscape, we have weathered the complexities of the market, honing our skills and cultivating a deep understanding of our clients' needs.
The Group is not just a team; it's a legacy of excellence. We've built our practice on the principles of integrity, transparency, and personalized service. Over the years, we've witnessed the evolution of financial landscapes, adapting our strategies to help ensure our clients not only navigate but thrive in an ever-changing market.
Together, we offer a unique blend of individual strengths, perspectives, and skills. Our collaborative approach ensures that every client receives the full benefit of our collective knowledge. As a team, we take pride in transforming financial challenges into opportunities, providing you with the confidence that comes from having a dedicated and experienced ally on your side.
Discover the Tritsch, Tritsch, and Cofone difference—where your financial success is not just a goal, but a shared journey we embark on together.
Our story begins with a shared commitment to providing unparalleled financial guidance. With roots deeply embedded in the financial landscape, we have weathered the complexities of the market, honing our skills and cultivating a deep understanding of our clients' needs.
The Group is not just a team; it's a legacy of excellence. We've built our practice on the principles of integrity, transparency, and personalized service. Over the years, we've witnessed the evolution of financial landscapes, adapting our strategies to help ensure our clients not only navigate but thrive in an ever-changing market.
Together, we offer a unique blend of individual strengths, perspectives, and skills. Our collaborative approach ensures that every client receives the full benefit of our collective knowledge. As a team, we take pride in transforming financial challenges into opportunities, providing you with the confidence that comes from having a dedicated and experienced ally on your side.
Discover the Tritsch, Tritsch, and Cofone difference—where your financial success is not just a goal, but a shared journey we embark on together.
Services Include
- Wealth PlanningFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Business Succession PlanningFootnote4
- Estate Planning StrategiesFootnote5
- Divorce Financial AnalysisFootnote6
- Trust ServicesFootnote7
- Asset Management
- Cash ManagementFootnote8
- Donor Advised Funds
- 401(k) Rollovers
- Alternative InvestmentsFootnote9
- Structured ProductsFootnote10
- SyndicateFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
A Structured Planning Approach
The Tritsch, Tritsch, and Cofone Group are dedicated to assisting families in comprehending the emerging challenges they encounter and devising successful strategies to navigate them effectively.
Step 1: Understanding You
Our approach commences with a thorough and personalized conversation, delving into the aspects that hold true importance for you. Through this comprehensive meeting, we engage in a series of thoughtfully crafted questions, aiming to achieve a deep understanding of your personal, professional, and financial landscape. This inclusive discussion extends to exploring your long-term investment objectives, understanding your time horizon, and gauging your comfort level with risk. Our commitment is to unravel the intricacies of your unique circumstances, laying the foundation for a tailored and effective wealth management strategy.
Step 2: Customizable Plan
Through continued dialogue, we embark on an in-depth examination of your current circumstances, laying the groundwork for the development of comprehensive strategies aimed at realizing your goals. This analytical process encompasses a thorough evaluation of income and retirement planning, coupled with a meticulous focus on investment and risk management. Our goal is to craft a strategic roadmap that aligns seamlessly with your financial objectives, ensuring a holistic approach to your wealth management journey.
Step 3: Plan Implementation
Upon your review and approval of the proposed plan, we seamlessly transition into the execution phase, putting the strategies into action. Throughout our collaborative journey, we're committed to actively monitoring and guiding you to ensure that your portfolio remains on track, aligning perfectly with your financial goals. This ongoing partnership is designed to provide continuous support and assurance as we work towards achieving your desired financial outcomes.
Step 4: Ongoing Assessment
Our engagement will involve consistent and meaningful discussions regarding the management of your investment plan. These ongoing conversations aim to guarantee that your portfolio maintains a proper balance, and the selected investment vehicles align with and perform according to the predetermined benchmarks. This proactive approach ensures that your investment strategy remains dynamic and responsive to market conditions, contributing to the overall success of your financial plan.
Our Modern Offerings
At the core of digital technology lies its impact on communication, consumption, transactions, and travel. Our comprehensive suite of digital tools is intricately designed to enhance every dimension of your financial expedition. Highlighted below are some of the cutting-edge technologies at the disposal of our esteemed clients.
Morgan Stanley Online
Explore the user-friendly and exceptionally secure realm of Morgan Stanley Online—a platform seamlessly integrating your investment oversight and daily financial activities. From paying bills to online fund transfers, leverage the convenience of managing various financial tasks effortlessly, all within a single, integrated location.
Total Wealth View
Introducing a new feature: now you can link data from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App account. This allows you to consolidate all your assets in one place, providing a comprehensive view of your entire financial landscape. This consolidated overview enables us to offer more informed guidance for your Morgan Stanley accounts.
eSign
Our eSign feature simplifies the process of electronically signing documents. Upon receiving an email from 'Morgan Stanley via DocuSign,' you'll be directed to securely verify your identity and sign the document. After your signature is affixed, the document is securely sealed to prevent any unauthorized alterations.
eDelivery
For Morgan Stanley Online clients, the choice of eDelivery is available, offering electronic access to an array of documents such as statements, trade confirmations, IRS-approved tax documents, prospectuses, syndicate offerings, shareholder communications, and portfolio reports. Opting for this feature serves to diminish reliance on traditional paper-based versions.
eAuthorization
With eAuthorizations, you gain the flexibility to swiftly provide electronic approval for both domestic and international transactions, whether they are one-time or recurring, using Morgan Stanley Online and our Mobile App. This feature integrates a robust multi-factor authentication system to verify your identity, significantly bolstering security and mitigating potential risks.
Digital Vault
Furnishing a secure and readily accessible repository for your crucial financial documents presents a significant advantage for your loved ones. Leveraging Morgan Stanley Online and the Mobile App's Digital Vault, you acquire the capability to systematically organize and protect vital information. This guarantees that, during emergencies or unforeseen circumstances, you can easily share essential details with both your family and professional advisors, providing peace of mind for everyone involved.
Tritsch, Tritsch and Cofone Group
The Experience and Dedication to Help Enrich Your Financial Life
Every client has a vision of their future. Where they want to be. What they want to be doing. We want you to think big—and we strive to help you pursue the financial flexibility to do the things that are important to you. Through dedication, hard work, and insightful advice and guidance, we can help pave the way with clear, customized strategies that align with your income requirements, risk tolerance, liquidity needs, time horizon and your wishes to provide for the next generation.
Since 1986, we have helped clients focus on their objectives and address them using wealth management strategies intended to balance near-term requirements and longer-term goals. By taking the time to fully understand who you are and what matters most to you, we can create the customized strategies you need, bringing the various aspects of your financial life together.
- Identifying, prioritizing and balancing your financial goals
- Regularly determining and defining the financial risks you face
- Delivering portfolio strategies designed to uncover more opportunities while helping to manage potential investment risks across asset classes
- Formally reviewing your progress and measuring your results against your objectives
- Making appropriate modifications in response to market shifts or changes in your circumstances Our simple, yet direct process—establish objectives, set strategy, implement strategies and review progress—is designed to give you the freedom to explore your objectives and make informed decisions about how to address them.
- Balance sheet review (net worth analysis)
- Access to credit and lending solutions
- Estate planning strategies
- Tax-minimization strategies
- Correlation analysis and other risk minimizing efforts (standard deviation, alpha)
- Tracking progress by means of a sophisticated process of periodic portfolio reviews
Our Philosophy
To Us, It's the Relationship that Matters
While there are certainly similarities among the individuals we choose to work with, there are of course many more differences. We acknowledge those differences and use them as a foundation upon which to build a relationship with you that can help define and strengthen your wealth management strategies.
The development of a customized strategy must take into account the various aspects of your financial life—your goals, financial objectives, and the issues and people that are important to you. We spend considerable time and effort developing robust strategies designed to endure market fluctuations, while still addressing your performance expectations and risk tolerance. Our in-depth understanding of you allows us to build a strong relationship with you, which we believe is an important foundation for the advice and guidance we offer.
As your dedicated team of Morgan Stanley advisors, we work steadily to foster a strong, evolving relationship with you. Our disciplined and structured, process-driven approach is designed to help you preserve your wealth now and in the future.
Wealth Management
A Wealth Management Process Designed to Strengthen Your Financial Life We can also help you with important strategic milestones such as:
Customized Strategies
Clarity, Customization and Global Resources Help Define Your Strategy
As economic and financial market conditions change, so may your own financial situation. By blending strategies, we continually refine the wealth management approach that works best for you. We frequently turn to Morgan Stanley Research, which identifies and evaluates fresh investment opportunities that can affect many aspects of your
financial life.
In addition, we rely on the insight provided by the Firm's Global Investment Manager Analysis, whose rigorous due diligence of third-party money managers from around the world helps ensure that they meet Morgan Stanley's stringent standards. Once we have their recommendations, we track investment managers' performance to see that they align with your objectives, time frame, liquidity needs and risk tolerance.
One of the ways we can customize your wealth management strategy is by examining your goals and financial objectives from a variety of different perspectives. These include:
The Global Investment Manager Analysis (GIMA) Services Only Apply to Certain Investment Advisory Programs GIMA evaluates certain investment products for the purposes of some – but not all – of Morgan Stanley Smith Barney LLC's investment advisory programs (as described in more detail in the applicable Form ADV Disclosure Document for Morgan Stanley Wealth Management). If you do not invest through one of these investment advisory programs, Morgan Stanley Wealth Management is not obligated to provide you notice of any GIMA Status changes even though it may give notice to clients in other programs.
Awards & Recognitions
Certified Financial Planner™ (CFP®)
The CFP® designation recognizes advisors who specialize in Education, Investment, Tax, Retirement, Estate, and Insurance planning. To attain this designation, professionals must demonstrate years of experience in financial planning services and successfully pass a rigorous examination. Holding a CFP® requires a commitment to upholding stringent ethical standards, ensuring that all financial planning recommendations prioritize the best interests of their clients
Resource Hub
At Morgan Stanley, we strive to demystify intricate financial concepts, ensuring our customers are well-informed about the measures taken to prepare for their financial future. Featured below are podcasts, webcasts, research reports, ideas, news, and our loyalty program, all designed to provide accessible insights and enhance your understanding of financial complexities.
Thoughts on the Market Podcast
Tune in to our daily financial podcast, offering insights from leaders within Morgan Stanley as they share their perspectives on the influential factors shaping today's markets.
Market Reports
These reports offers a brief yet insightful overview of economic and asset class statistics, employing simple visuals. Tailored for 2024, they serve as a valuable resource, connecting dynamic market trends with potential implications for investor portfolios across diverse markets and investing themes.
Ideas
Explore the Ideas database for an in-depth exploration of the current and future influencers shaping the world. Covering equities, fixed income, policy, and more, it provides a comprehensive perspective on various subjects.
News
Discover Morgan Stanley's dedicated press page for the latest updates, including press releases, thought leadership, awards, and recognitions. Stay informed with our comprehensive repository of information.
Reserved Living & Giving Program
Reserved Living & Giving is an exclusive tiered loyalty program, offered complimentary to clients with over one million dollars in assets and liabilities invested at the firm. Tailored to transcend traditional wealth management services, this program aims to enrich both your lifestyle and relationship with the firm through its unique benefits and privileges.
Location
1801 N. Military Trail
Suite 300
Boca Raton, FL 33431
US
Direct:
(561) 620-5011(561) 620-5011
Meet Tritsch, Tritsch and Cofone Group
About Iliana Grozdeva
Iliana Grozdeva is an accomplished professional currently lending her experience as a licensed client associate at Morgan Stanley. Hailing originally from Bulgaria, Iliana's journey in the United States began in 2000 when she arrived as an exchange student in Wildwood, NJ. She later graduated with a bachelor's degree in business and marketing from a college in Wilmington, DE.
With a career spanning 14 years in the greater Philadelphia area, Iliana has honed her skills in the financial sector. She has a rich background in banking, having served as a licensed banker and assistant branch manager for Sovereign Bank/Santander. This experience provided her with a deep understanding of financial services and client needs.
In 2014, Iliana took the next step in her career journey by relocating to South Florida. It was during this time that she joined Merrill Lynch in Delray Beach, FL, where she has been making significant contributions as a licensed client associate. Her role involves navigating the complexities of wealth management and providing invaluable support to clients.
Iliana's commitment to professional growth is evident in her impressive list of licenses, including FINRA Series 6, 7, 63, and 66, as well as Life and Variable Annuity (FL 2-14). These certifications reflect her dedication to staying at the forefront of the financial industry.
Beyond her professional achievements, Iliana is a devoted mother to two sons. This dual role showcases her ability to balance a thriving career with the responsibilities of parenthood, underlining her resilience and multitasking capabilities. In her current position at Morgan Stanley, Iliana continues to exemplify professionalism, expertise, and a deep commitment to client success.
With a career spanning 14 years in the greater Philadelphia area, Iliana has honed her skills in the financial sector. She has a rich background in banking, having served as a licensed banker and assistant branch manager for Sovereign Bank/Santander. This experience provided her with a deep understanding of financial services and client needs.
In 2014, Iliana took the next step in her career journey by relocating to South Florida. It was during this time that she joined Merrill Lynch in Delray Beach, FL, where she has been making significant contributions as a licensed client associate. Her role involves navigating the complexities of wealth management and providing invaluable support to clients.
Iliana's commitment to professional growth is evident in her impressive list of licenses, including FINRA Series 6, 7, 63, and 66, as well as Life and Variable Annuity (FL 2-14). These certifications reflect her dedication to staying at the forefront of the financial industry.
Beyond her professional achievements, Iliana is a devoted mother to two sons. This dual role showcases her ability to balance a thriving career with the responsibilities of parenthood, underlining her resilience and multitasking capabilities. In her current position at Morgan Stanley, Iliana continues to exemplify professionalism, expertise, and a deep commitment to client success.
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
Brad Burton, CFA, CFP®
Financial Planning Director, Vice President
About Brad Burton
Brad Burton is a vice president and financial planning director serving Morgan Stanley’s Palm Beach market. He is responsible for helping Financial Advisors’ clients and prospects with their financial planning needs.
Brad began his career in financial services in 2010 and joined Morgan Stanley in 2020. Prior to his current role, he held senior investment and planning positions with J.P. Morgan, Northwestern Mutual and TIAA, working closely with high-net-worth and ultra-high-net-worth families.
Brad earned his MBA in finance and is currently in the process of completing his Master of Taxation. He is a CFA® charterholder and a CERTIFIED FINANCIAL PLANNERTM Professional.
He currently resides in Weston, FL with his wife Marisa, three children Brooke, Madison and Troy, as well as their dog, Wally. In their spare time they enjoy hiking, going to the beach and trying all the local restaurants.
4855 Technology Way | Boca Raton, FL 33431
W: 561-650-7571
Morgan Stanley Smith Barney LLC. Member SIPC.
DISCLOSURE:
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.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
Brad began his career in financial services in 2010 and joined Morgan Stanley in 2020. Prior to his current role, he held senior investment and planning positions with J.P. Morgan, Northwestern Mutual and TIAA, working closely with high-net-worth and ultra-high-net-worth families.
Brad earned his MBA in finance and is currently in the process of completing his Master of Taxation. He is a CFA® charterholder and a CERTIFIED FINANCIAL PLANNERTM Professional.
He currently resides in Weston, FL with his wife Marisa, three children Brooke, Madison and Troy, as well as their dog, Wally. In their spare time they enjoy hiking, going to the beach and trying all the local restaurants.
4855 Technology Way | Boca Raton, FL 33431
W: 561-650-7571
Morgan Stanley Smith Barney LLC. Member SIPC.
DISCLOSURE:
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.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
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.
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.
Wealth Management
From Our Team
You're Ready for Retirement. Is Your Portfolio?
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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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
Ready to start a conversation? Contact Tritsch, Tritsch and Cofone Group today.
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.
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 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 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.
5Morgan 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Morgan 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.
8Morgan 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
9Alternative 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.
10Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
11Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
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
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 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 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.
5Morgan 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Morgan 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.
8Morgan 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
9Alternative 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.
10Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
11Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
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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:
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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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
