Emi Mori George, CFP®
Senior Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(808) 871-2237(808) 871-2237
Valley Isle Planning Group at Morgan Stanley
Direct:
(808) 871-2231(808) 871-2231
Toll-Free:
(800) 246-4050(800) 246-4050
Our Mission Statement
The Valley Isle Planning Group believes in empowering you to achieve your financial goals through wealth planning, comprehensive strategies, and technical precision for your life and legacy.
About Us
Valley Isle Planning Group at Morgan Stanley is located in the heart of Kahului, Maui. It is our honor to work with clients and the journey we take to help cients pursue their financial goals is built on knowledge, confidence and care. We believe that with comprehensive financial planning, we can help create a customized road map that helps support progress toward their goals.
Services Include
- Financial PlanningFootnote1
- Wealth ManagementFootnote2
- Retirement PlanningFootnote3
- Professional Portfolio ManagementFootnote4
- Qualified Retirement PlansFootnote5
- Asset Management
- Estate Planning StrategiesFootnote6
- 529 PlansFootnote7
- AnnuitiesFootnote8
- Alternative InvestmentsFootnote9
- 401(k) Rollovers
- Cash Management and Lending ProductsFootnote10
- Long Term Care InsuranceFootnote11
- Life InsuranceFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You:
At Morgan Stanley, we believe that identifying financial solutions begins with a solid understanding of each client’s situation, goals, objectives and risk tolerance. We follow a disciplined process that enables us to work with you to craft a solution that helps to meet your individual financial needs:
Step 1: Discovery Meeting
Develop a thorough understanding of your financial goals and objectives.
Step 2: Financial Evaluation
Review and analyze your current financial situation.
Step 3: Forming Your Strategy
Identify and tailor solutions that can help meet your individual needs.
Step 4: Strategy Implementation
Implement your customized strategy, including personalized services and benefits.
Step 5: Monitoring & Performance Tracking
Review your strategy, meeting periodically to discuss your goals and needs
Our Services:
Financial Planning
We will work with you and help you meet your financial goals. Your goals, assets and liabilities are important factors in determining your financial health. We will periodically review your plan to ensure your continue to have a successful financial plan.
Retirement Planning
Planning for your retirement is one of the most important decisions you will have to make. We will assist you with planning your retirement goals, income projections, customized portfolios to help you attain your financial goals.
Wealth Management
We create a customized plan and diversified portfolios to help maximize your investment growth while managing the risks associated.
Estate Planning
We listen to your legacy goals and create a plan customizable to you.
Risk Management
Protecting and growing wealth is achieved by managing risk and avoiding unnecessarily speculation. Our core investment approach is to preserve and growth your investments.
Process
We continue to improve and refine our processes as it is an important part of servicing you. We will adapt to your changes in life to best meet your financial needs.
Digital Solutions
Our digital tools and technologies allow us to create a comprehensive financial analysis and research that are easy to share with you.
Diligence
Diversification, tax efficiency, trust, and fiduciary principals allows us to add value to you. We have a high standard of care and quality when recommending investments to you.
401k Rollovers
Consolidating your assets will ensure your investments are reviewed by risk management. It will provide you with more investment choices, better services and overall ease of monitoring.
ESG Investing
Environmental, social and governance investment is a way to build an ethical portfolio. It allows you to prioritize both financial performance and socially responsible and sustainable investments.
INDIVIDUAL PLANS FOR INDIVIDUALS LIKE YOU:
Goals you set today will evolve over time. Our process is designed to evolve with them - and with the changing circumstances of your life. Holistic in its approach, our planning process will encompass all the elements of your financial and personal life, seeking to help ensure they align with your current and future goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and work towards your goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and work towards your goals.
1. Personal:
Highly individualized and committed to helping you achieve financial independence.
2. Flexible:
Responsive to changes in your life and in your priorities over time.
3. Comprehensive:
Covering a broad array of investment products and services, with access to Morgan Stanley's vast resources to help align with your individual needs.
Certified Financial Planner® (CFP®)
CFP® professionals have met extensive training and experience requirements, and commit to CFP Board's ethical standards that require them to put their clients' interests first.
Emi Mori George holds this designation.
Emi Mori George holds this designation.
Certified Investment Management Analyst® (CIMA®)
Certified Investment Management Analyst® (CIMA®) certification is the premier international, technical portfolio construction program for investment consultants, analysts, financial advisors and wealth management professionals.
Tom Lambert holds this designation.
Tom Lambert holds this designation.
Goals Planning System (GPS)
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Click Here to Learn MoreAladdin - Portfolio Risk Tool
The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management’s platform to improve the quality, transparency, and efficiency of the end to end risk management processes for the Firm and our Clients.
Click Here to Learn More
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. This tool helps advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Click Here to Learn MoreVALUABLE TOOLS AND RESOURCES:
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read The Latest Report
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
On The Markets 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
Online Security Center
At Morgan Stanley, 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.
Learn More About Online Security Center
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 EpisodeLocation
33 Lono Avenue
Suite 330
Kahului, HI 96732
US
Direct:
(808) 871-2231(808) 871-2231
Toll-Free:
(800) 246-4050(800) 246-4050
Fax:
(808) 495-0510(808) 495-0510
Meet Valley Isle Planning Group
Senior Vice President, Financial Advisor, Branch Manager, Financial Planning Specialist, Portfolio Manager
Phone:
(808) 871-2238(808) 871-2238
Julie Petro
Financial Advisor, Financial Planning Specialist, Associate Vice President
Phone:
(808) 871-2231(808) 871-2231
About Emi Mori George
Emi is a Financial Advisor and CERTIFIED FINANCIAL PLANNER® with the Valley Isle Planning group at Morgan Stanley in Kahului, Hawaii. She has been with the firm since 1996 and brings more than 25 years of experience in the financial services industry. Emi is deeply committed to helping individuals and families work toward their financial goals through personalized wealth management strategies.
Emi brings a holistic and compassionate approach to financial planning, rooted in her belief that meaningful relationships and deep understanding are essential to effective financial advice. She works closely with clients to align their financial plans with their goals, concerns and objectives. Her approach is grounded in helping clients feel more informed and confident and offering thoughtful guidance through all stages of life. She is committed to being a steady and informed resource for her clients.
Over the years, Emi has earned several industry licenses (Series 7, 63, 65, 3, 9, and 10) and her CFP® designation, and she continues to learn so she can better serve her clients.
Originally from Nebraska, Emi earned her Bachelor’s degree in Music from Nebraska Wesleyan University. She and her husband are raising two wonderful daughters, along with a very extroverted dog and an introverted cat. The family juggles a lot of activities but always find a way to catch up over dinner. She enjoys cooking, traveling and doing family activities such as golfing and hiking.
Emi brings a holistic and compassionate approach to financial planning, rooted in her belief that meaningful relationships and deep understanding are essential to effective financial advice. She works closely with clients to align their financial plans with their goals, concerns and objectives. Her approach is grounded in helping clients feel more informed and confident and offering thoughtful guidance through all stages of life. She is committed to being a steady and informed resource for her clients.
Over the years, Emi has earned several industry licenses (Series 7, 63, 65, 3, 9, and 10) and her CFP® designation, and she continues to learn so she can better serve her clients.
Originally from Nebraska, Emi earned her Bachelor’s degree in Music from Nebraska Wesleyan University. She and her husband are raising two wonderful daughters, along with a very extroverted dog and an introverted cat. The family juggles a lot of activities but always find a way to catch up over dinner. She enjoys cooking, traveling and doing family activities such as golfing and hiking.
Securities Agent: VI, VA, SD, MT, MO, CA, WI, WA, OR, NV, MD, IN, AZ, MS, UT, MA, KS, NH, NE, IL, DE, CO, AR, WV, TN, PA, OK, MN, IA, HI, AL, AK, WY, VT, SC, NY, MI, GA, FL, NJ, ND, DC, TX, RI, OH, NM, LA, ID, NC, ME, KY, CT, PR; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 2416304
CA Insurance License #: 0K26583
NMLS#: 2416304
CA Insurance License #: 0K26583
About Thomas J Lambert
Tom is the Maui Branch Manager and Financial Advisor with the Valley Isle Planning Group at Morgan Stanley. He helps clients pursue their financial goals through unique knowledge, experience, and attained skills across wealth management. Tom recognizes what is important to clients and focuses on providing them with the best opportunity to help accomplish their goals and objectives. As a Financial Advisor for a highly skilled team of professionals located in Kahului, HI. Tom has developed a keen understanding of portfolio construction, and risk management. As part of his studies, he completed his Certified Investment Management Analyst course work through the Yale School of Management.
Prior to joining Morgan Stanley, Tom received his Bachelor of Arts in Colorado College and holds his Series 7, 66, 9 and 10 licenses. He is a Certified Investment Management Analyst, a designation that focuses on asset allocation, risk management, performance measurement, ethics and due diligence.
Tom was born and raised in New England and later moved to Maui with his wife Kristina. Tom lives with his wife and three wonderful children in a 100-year old family home located on Haleakala. Outside of the office, Tom and his family love spending time outdoors in upcountry Maui and their favorite activity is adventure traveling to ski or hike. Tom trains year-round at CrossFit, and soccer games. Tom is on the boards of Historic Hawaii Foundation, and Valley Isle Coed Soccer League.
Prior to joining Morgan Stanley, Tom received his Bachelor of Arts in Colorado College and holds his Series 7, 66, 9 and 10 licenses. He is a Certified Investment Management Analyst, a designation that focuses on asset allocation, risk management, performance measurement, ethics and due diligence.
Tom was born and raised in New England and later moved to Maui with his wife Kristina. Tom lives with his wife and three wonderful children in a 100-year old family home located on Haleakala. Outside of the office, Tom and his family love spending time outdoors in upcountry Maui and their favorite activity is adventure traveling to ski or hike. Tom trains year-round at CrossFit, and soccer games. Tom is on the boards of Historic Hawaii Foundation, and Valley Isle Coed Soccer League.
Securities Agent: AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, 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, AK, AL; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1279151
NMLS#: 1279151
About Julie Petro
Julie is a Financial Advisor with the Valley Isle Planning Group and brings over 19 years of experience in the financial service industry. Her work is deeply rooted in client relationship management, with a strong commitment to guiding individuals and families through life’s many financial milestones. Whether it’s planning for marriage, growing a family, preparing for retirement, or navigating loss and transition, Julie is dedicated to being a dedicated professional every step of the way. Julie chose a career in financial advising out of a genuine desire to help people achieve financial confidence. She believes that building strong, personal relationships and confidence is essential to delivering meaningful financial guidance – a value she brings to every client interaction.
She holds a Bachelor’s degrees in Finance and Management as well as an Executive Master’s of Business Administration from the University of Hawaii at Manoa. Julie is licensed with her Series 7 & 66 registrations, along with life and health insurance credentials.
Originally from Honolulu, O’ahu, Julie now calls Maui home, here she lives with her husband and their two children. Outside of her professional life, she enjoys karaoke, golfing, and cooking for family and friends. She treasures time spent with her loved ones and looks forward to family vacations. Julie is also passionate about giving back to her community. She is an active member of the Wailuku Hongwanji Mission, serving as the Dharma School Communications Coordinator, and is a 4-H leader for the Sakura 4-h Club – a role that allows her to mentor youth while staying involved in her daughter’s activities. With compassion, experience, and a heartfelt dedication to her clients’ success, Julie Petro is proud to help individuals and families build brighter financial futures.
She holds a Bachelor’s degrees in Finance and Management as well as an Executive Master’s of Business Administration from the University of Hawaii at Manoa. Julie is licensed with her Series 7 & 66 registrations, along with life and health insurance credentials.
Originally from Honolulu, O’ahu, Julie now calls Maui home, here she lives with her husband and their two children. Outside of her professional life, she enjoys karaoke, golfing, and cooking for family and friends. She treasures time spent with her loved ones and looks forward to family vacations. Julie is also passionate about giving back to her community. She is an active member of the Wailuku Hongwanji Mission, serving as the Dharma School Communications Coordinator, and is a 4-H leader for the Sakura 4-h Club – a role that allows her to mentor youth while staying involved in her daughter’s activities. With compassion, experience, and a heartfelt dedication to her clients’ success, Julie Petro is proud to help individuals and families build brighter financial futures.
Securities Agent: SD, HI, TN, NV, ID, MI, CO, NC, ME, SC, OR, GA, AZ, VA, TX, CA, WA, NE, IN, NY, MA, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 2406008
CA Insurance License #: 4215362
NMLS#: 2406008
CA Insurance License #: 4215362
Contact Emi Mori George
Contact Thomas J Lambert
Contact Julie Petro
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
Iran Conflict: Seven Takeaways for Investors
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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 Valley Isle Planning Group 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
5When 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
10Morgan 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
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
5When 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
10Morgan 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
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
