Victoria Hayward, CEPA®, CPWA®, CIMA®, CRPS®, CRPC®, CDFA®, CFP®
Senior Vice President, Financial Advisor
Phone:
(614) 473-2459(614) 473-2459
Victoria Hayward, CFP®, CEPA®, CPWA®, CIMA®, CRPS®, CRPC®, CDFA®
Senior Vice President,
Financial Advisor,
Institutional Consultant,
CERTIFIED FINANCIAL PLANNER®,
Certified Exit Planning Advisor™ (CEPA),
Certified Private Wealth Advisor®,
Certified Investment Management Analyst,
CHARTERED RETIREMENT PLANS SPECIALIST,
Chartered Retirement Planning Counselor,
Certified Divorce Financial Analyst
Direct:
(614) 473-2459(614) 473-2459
Toll-Free:
(800) 659-0660(800) 659-0660
My Mission Statement
Our mission is to deliver problem-solving advice that brings clarity to complex financial decisions and helps clients stay on a disciplined path forward. Through our ClarityPath Process, we provide a structured, highly coordinated planning experience designed to keep priorities, strategy, and implementation aligned as life evolves.
My Story
Discretion. Clarity. Accountability. Our team serves high net worth individuals and families who want a structured, highly coordinated approach to managing financial complexity. Grounded in integrity, experience, and disciplined execution, we provide problem-solving, goals-oriented, holistic planning designed to support sound decision-making across market cycles and the moments that matter most—helping clients create clarity on priorities and a disciplined path forward.
Clients value our ability to connect the dots and keep the plan moving forward. With advanced credentials—including CFP®, CPWA®, CEPA®, CIMA®, and additional professional designations—we bring deep planning and investment expertise to each relationship with a calm, client-first perspective.
Our ClarityPath Process
A streamlined, white-glove planning experience built for clarity and follow-through
- Discover: define priorities, values, and the decisions ahead
- Design: craft an integrated plan across investments, tax-aware strategies, insurance, retirement, estate planning strategies, and philanthropy
- Implement: coordinate directly with CPAs, estate attorneys, trustees, and insurance professionals to align execution
- Monitor: review proactively, refine as life evolves, and reinforce discipline through changing conditions
Areas of Focus
- Coordinated planning for complex balance sheets and competing priorities
- Tax-aware investment and wealth planning approaches
- Liquidity events, retirement income planning, and education funding strategy
- Estate and legacy planning strategies for multi-generational families
- Ongoing oversight, risk management, and steady perspective in uncertain markets
We look forward to learning more about you and your family, and to discussing how we can help bring clarity to your priorities and a thoughtful path forward across every aspect of your financial life. To begin the conversation, please call 614-473-2459.
2022-2026 - Forbes Top Women Wealth Advisors Best-In-State Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2024-2025 - Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded 2024-2025) Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Services Include
- Wealth PlanningFootnote1
- Wealth ManagementFootnote2
- Alternative InvestmentsFootnote3
- Financial PlanningFootnote4
- Estate Planning StrategiesFootnote5
- Trust Services and Accounting
- Business PlanningFootnote6
- Retirement PlanningFootnote7
- Corporate Retirement PlansFootnote8
- 401(k) Rollovers
- Philanthropic Services
- Planning for Education FundingFootnote9
Securities Agent: NY, MD, MO, LA, IN, DE, CO, KY, IA, FL, AL, WV, PA, MA, ID, CA, WY, NV, NC, TX, MT, MI, HI, GA, NJ, KS, WA, SC, OK, MN, CT, AZ, RI, IL, DC, WI, UT, TN, OR, NM, VA, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 1771334
NMLS#: 1771334
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Credentials Count...
…And so does experience. I bring 30 years of financial experience to every client I advise. Equally important, I have made a conscious effort throughout my career to enhance my knowledge and advisory acumen through rigorous courses of study that have earned me the following industry designations:
CERTIFIED FINANCIAL PLANNER™ (CFP®)
This certification provides me with the credentials to develop comprehensive, personalized plans that encompass not only investing, but retirement planning, estate planning, cash flow management – in short, virtually every aspect of your financial life.
Certified Exit Planning Advisor (CEPA®)
Exit planning means exiting your business by selling your company to a third party (such as a private equity firm) or transferring ownership to family members - or to employees, through Employee Stock Ownership Plans (ESOPs). Business succession is complex and requires a thorough understanding of multiple financial disciplines.
Certified Private Wealth Advisor® (CPWA®)
I earned this certification through the Yale School of Management in order to better serve my clients and their families with deep and advanced knowledge - in specialized areas of wealth planning and preservation, sophisticated tax management and wealth transfer tools, and considerations for legacy planning, along with family dynamics.
Certified Investment Management Analyst (CIMA®)
I obtained my CIMA® designation through the Wharton School at the University of Pennsylvania. It attests to my proficiency in not only investment manager research and selection but portfolio construction and asset management. With thousands of investment considerations competing for my clients' business, I felt it was critical to be able to analyze them beyond performance.
Chartered Retirement Plans Specialist (CRPS®)
I earned this designation to provide plan sponsors with knowledgeable advice on maximizing the effectiveness of their qualifed retirement plans. It has greatly enhanced my ability to provide these clients with guidance on plan design, administration and maintenance.
Chartered Retirement Planning Counselor (CRPC®)
Awarded by the College for Financial Planning, this designation assures my clients that I am well versed in developing both pre-and post-retirement strategies. Clients look to me for advice and guidance in such disciplines as retirement income and distribution planning, as well as employer-sponsored retirement plans.
Certified Divorce Financial Analyst (CDFA®)
This credential signifies my ability to help divorced clients understand and address the issues on which their future financial security depends.
Disclosure 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.
My Clients
My clients include predominantly business owners (whether current or retired) - as well as corporate executives, professionals, and retirees concerned about living well in retirement and leaving a meaningful legacy to their loved ones and community.
Business Owners
Business Owners face risks that involve not only the future of their practices or businesses, but the financial security of their families. The comprehensive planning process we work on together can help you identify your most pressing challenges and address them with customized strategies that consider both your personal financial objectives and business ambitions. Moreover, my team and I have helped numerous business owner clients:
- Work with their attorneys, accountants and other advisors to formulate viable succession strategies, whether those strategies involve selling their business outright or transferring ownership to family members or employees through ESOPs. These other advisors include highly respected, pre-eminent professionals in the business exit planning arena.
- Access and diversify their wealth, maximize the value of their business exit, maintain their legacy within the community
- Help determine via sophisticated wealth planning tools the "number" needed to help support lifestyle needs and goals after a business exit, along with ongoing wealth management reviews
- Establish cost-effective 401(k) or other retirement plans to help them and their employees save for retirement.
Corporate Executives
Corporate Executives face challenges that other people don't. Their personal wealth is linked inextricably to the fortunes of their companies. Their investment portfolios often consist largely of employer stock and stock options or restricted stock units (RSUs) that are subject to a myriad of rules of which they may only be vaguely aware. As an experienced Financial Advisor, I understand the risks, as well as the rewards, of employer stock ownership and the need to integrate your corporate benefits with the rest of your finances. Specifically, I can help you address such issues as generating liquidity when you need it, reducing over-concentration in your employer's stock, understanding RSUs and stock options, and making the right decisions when you eventually separate from service.
Retirees
Retirees seem to be at that stage of life when financial challenges are all behind them. Often, however, that is not the case. Retirees have decisions to make about:
- Whether to convert traditional IRAs to Roth IRAs in an effort to reduce future tax liability
- How to make certain they don't outlive their assets
- Whether they and their families are adequately protected from unforeseen healthcare expenses
- How to leave a legacy without triggering excessive taxation or family conflict.
I've helped numerous clients make these decisions and manage the risks that might otherwise prevent them from reaching their financial goals. Often, my retired clients ask me to meet with their families so they can gain agreement on how assets should be deployed and understand the issues that might impact their future financial security.
What's Your Plan?
It is imperative that all business owners have a plan for exiting/selling their business or transitioning their business to the next generation. These plans can change over time and will likely change many times over the course of the business owner's life, but a failure to plan (even if the plan is liquidation) can leave spouses, beneficiaries, employees and customers lost and without many viable options.
Whether the plan is to transfer your business to the next-generation or your employees - or engage a third party to purchase your business, having a plan is critical and communicating that plan is equally as important. Regardless of the path forward, there are certain considerations all business owners must address, including proper estate and tax planning, key person retention, family harmony and sufficient cash flows for surviving spouses and family members. Planning early results in better financial outcomes and more opportunities. It also allows the business owner to enjoy their retirement and see their business flourish in the hands of their children, or in the hands of new owners.
Owners work their lives to build a business because they believe in the work, the opportunities it gives to those they love and to create a legacy for future generations. Our goal is to help guide you as you make critical decisions on how, when and to whom your business should pass. And we want to help you determine the estate planning strategies, charitable and tax planning strategies to employ while on this journey.
Selecting Your Business Transition Team
The sale or transfer of a business must be carefully planned to maximize the value of the business, while planning for income and estate tax ramifications. The earlier you start to plan, the more options and flexibility you will have in structuring the transition, mitigating taxes and retaining top talent to ensure the on-going success of your business. A carefully selected team of professionals is critical to the successful sale or transfer of a business.
Those core team members may include a Broker/Investment Banker, Attorney, CPA, Investment Advisor, and Valuation Expert. There are many other professionals who could be involved in the process on an as-needed basis.
Other Considerations
There is a multitude of other considerations, such as:
- Estate and income tax considerations, which may also incorporate charitable strategies to reduce tax exposure.
- Transitioning a business to a family member(s) in general is vastly different than selling your business to a third-party. And - then - there are the consideration, to name a few, of maintaining family dynamics, building knowledge for family members, developing family members so they have meaningful, fulfilled, engaged lives.
- Determining the right exit strategy(s) to utilize, such as Sale to Strategic Acquirer, Sale to Private Equity Investor, etc.
It Takes a Village...
... Of Seasoned Professionals - to help owners optimize their life's work - with many steps which may be involved along the way, such as:
- Planning for a Successful Transition
- Retaining and Rewarding Key People
- Estate and Income Tax Considerations
- Family Succession Strategies
- Third-Party Transition Strategies
- Tax Considerations – Pre-Liquidity
- Estate Planning and Wealth Transfer – Pre-Liquidity
- Post-Liquidity Planning
What's in Our Toolkit?
Access to the deeply experienced and appropriate advisors and professionals to help the business owner:
- Align their business succession objectives with the best liquidity alternative
- To maximize value for the owner and their family
- Access and diversify their wealth
- Determine their individual needs and goals to help determine what exit planning strategies may be the best to consider and ultimately implement. We have strong alliances to help our clients with their business succession strategies.
Visionary Lecture Series and Wealth Insights
I've always believed that I have a responsibility to provide my clients with insights and knowledge that will help them prepare for the future. Investing, retirement planning and other financial issues have clearly been a major focus, but I've also tried to share innovative perspectives from well-known experts in technology, leadership and the factors that can lead to increased human performance.
That's why I developed The Visionary Lecture Series. My objective is to bring world class thought leaders to the people who depend on me for guidance. Some of our recent speakers have included:
- Steven Kotler, a serial New York Times best-selling author who revealed how corporate CEOs, renowned scientists, military leaders and world class athletes unlock their full potential and achieve greater productivity through a concept known as "FLOW."
- David Roberts, who holds degrees from M.I.T. and Harvard and is regarded as one of the world's top experts on disruptive innovation in business, government and technology.
- Brian Ferguson, a US Navy SEAL with a Master's Degree from the London School of Economics who has helped master surgeons and their teams at The Cleveland Clinic adopt an elite warrior's mindset to maintain optimal mental acuity during multiple hour surgeries. Visionary Lecture Series presentations have been delivered to not only my clients and their friends and colleagues, but senior leadership teams of major institutions and businesses, not to mention elite Central Ohio-based college students and national champion athletes. Venues have included the world's largest nonprofit research and development organization, universities, locally based major law firms, and our city's Chamber of Commerce.
Location
4449 Easton Way
Suite 300
Columbus, OH 43219
US
Direct:
(614) 473-2459(614) 473-2459
Toll-Free:
(800) 659-0660(800) 659-0660
Fax:
(614) 360-3186(614) 360-3186
Meet My Team
Erin Luckhaupt
Wealth Management Associate
Phone:
(614) 473-2442(614) 473-2442
Donna Rose, CFP®, ChFC®, QPFC
Vice President, Director of Business Strategy
Phone:
(614) 229-4971(614) 229-4971
About Victoria Hayward
Victoria Hayward, CEPA®, CPWA®, CIMA®, CRPS®, CRPC®, CDFA®, CFP®
Senior Vice President
Financial Advisor
The first thing you probably noticed when reading my bio is the long list of acronyms after my name. These letters stand for various industry designations I have earned over my 30 years as a Financial Advisor. They include CERTIFIED FINANCIAL PLANNER™, Certified Investment Management Analyst, Chartered Retirement Planning Counselor and Certified Exit Planning Advisor, to name but a few.
Why did I set out to earn all these credentials? Because I learned first-hand what could happen to families who don’t prepare for unforeseen events and are left to cope with difficult changes in their lives.
When I was 11 years old, my father died unexpectedly and left our family in financial disarray. When I became an adult, I realized that I wanted to help people achieve the financial stability that had evaded my family in the past. My first financial position was at Merrill Lynch in 1995. Subsequently, I built a successful practice at several other well-known firms before joining Morgan Stanley in 2013.
Here I’ve helped:
• Business owners seeking to exit their companies with the assurance that they will be able to proceed to their next life chapters with financial security
• Corporate executives who face complex decisions about stock options and other equity compensation
• Parents and grandparents hoping to leave a meaningful legacy without excessive taxation or family conflict
• Professionals seeking the assurance that they will be able to retire on time and as planned
Education is a key part of what I do. I’ve conducted numerous seminars on retirement and estate planning and more recently, I’ve developed a Visionary Lecture Series that features distinguished speakers with unique insights on the financial issues most concerning to my clients. I find it especially gratifying that my efforts have led to recognition from Forbes, the well-known financial publication. Specifically, I have been named to its lists of Top Wealth Advisors Best-in-State for 2024 and Top Women Wealth Advisors Best-in-State for 2022, 2023, 2024, and 2025.
Most of my life has been spent in Ohio and the Midwest. My community is very important to me, and I’ve done my best to give back to it over the years. I currently mentor Ohio State Students and have served on the boards of such organizations as Columbus Symphony Orchestra, BalletMet, and Children’s Hunger Alliance. My husband Mike and I have lived in Columbus for decades and have raised our family here.
Disclosures:
2022, 2023, 2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors) Source: Forbes.com (Awarded 2022, 2023, 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2024 Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC for the period 6/30/22 - 6/30/23.
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.
Senior Vice President
Financial Advisor
The first thing you probably noticed when reading my bio is the long list of acronyms after my name. These letters stand for various industry designations I have earned over my 30 years as a Financial Advisor. They include CERTIFIED FINANCIAL PLANNER™, Certified Investment Management Analyst, Chartered Retirement Planning Counselor and Certified Exit Planning Advisor, to name but a few.
Why did I set out to earn all these credentials? Because I learned first-hand what could happen to families who don’t prepare for unforeseen events and are left to cope with difficult changes in their lives.
When I was 11 years old, my father died unexpectedly and left our family in financial disarray. When I became an adult, I realized that I wanted to help people achieve the financial stability that had evaded my family in the past. My first financial position was at Merrill Lynch in 1995. Subsequently, I built a successful practice at several other well-known firms before joining Morgan Stanley in 2013.
Here I’ve helped:
• Business owners seeking to exit their companies with the assurance that they will be able to proceed to their next life chapters with financial security
• Corporate executives who face complex decisions about stock options and other equity compensation
• Parents and grandparents hoping to leave a meaningful legacy without excessive taxation or family conflict
• Professionals seeking the assurance that they will be able to retire on time and as planned
Education is a key part of what I do. I’ve conducted numerous seminars on retirement and estate planning and more recently, I’ve developed a Visionary Lecture Series that features distinguished speakers with unique insights on the financial issues most concerning to my clients. I find it especially gratifying that my efforts have led to recognition from Forbes, the well-known financial publication. Specifically, I have been named to its lists of Top Wealth Advisors Best-in-State for 2024 and Top Women Wealth Advisors Best-in-State for 2022, 2023, 2024, and 2025.
Most of my life has been spent in Ohio and the Midwest. My community is very important to me, and I’ve done my best to give back to it over the years. I currently mentor Ohio State Students and have served on the boards of such organizations as Columbus Symphony Orchestra, BalletMet, and Children’s Hunger Alliance. My husband Mike and I have lived in Columbus for decades and have raised our family here.
Disclosures:
2022, 2023, 2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors) Source: Forbes.com (Awarded 2022, 2023, 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2024 Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC for the period 6/30/22 - 6/30/23.
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.
Securities Agent: NY, MD, MO, LA, IN, DE, CO, KY, IA, FL, AL, WV, PA, MA, ID, CA, WY, NV, NC, TX, MT, MI, HI, GA, NJ, KS, WA, SC, OK, MN, CT, AZ, RI, IL, DC, WI, UT, TN, OR, NM, VA, OH; General Securities Representative; Investment Advisor Representative
About Erin Luckhaupt
Erin Luckhaupt
Wealth Management Associate
Erin has worked in the securities industry for almost 30 years, having started with Merrill Lynch in 1996. She worked there in various administrative and operational capacities until she joined Morgan Stanley in 2019.
Erin's experience strengthens our team's operational excellence and client servicing capabilities. She obtained her Series 7 in 2003 and Series 66 in 2004.
Erin loves to travel and has visited 23 countries, with many more on her bucket list. She loves to spend time with family and the great outdoors, is an avid reader, and volunteers at the Mid Ohio Food Collective.
Wealth Management Associate
Erin has worked in the securities industry for almost 30 years, having started with Merrill Lynch in 1996. She worked there in various administrative and operational capacities until she joined Morgan Stanley in 2019.
Erin's experience strengthens our team's operational excellence and client servicing capabilities. She obtained her Series 7 in 2003 and Series 66 in 2004.
Erin loves to travel and has visited 23 countries, with many more on her bucket list. She loves to spend time with family and the great outdoors, is an avid reader, and volunteers at the Mid Ohio Food Collective.
About Donna Rose
Donna Rose, CFP®, ChFC®, QPFC
Vice President
Director of Business Strategy
Donna has a passion for financial planning. A CERTIFIED FINANCIAL PLANNER™ (CFP®), she works closely with clients to help them determine where they are in relation to their financial goals and what they must do to attain those goals within their required timeframe. The plans she develops include investments but go far beyond to encompass such concerns as Social Security and Medicare, insurance, debt management, and estate planning strategies.
“I firmly believe that financial planning makes a major difference in the lives of people willing to engage in it,” she says. “It enables them to make more informed decisions about which path to take.”
Donna’s financial services career began 30 years ago at a Morgan Stanley predecessor firm. Since that time, she has served as a Client Service Associate, Financial Advisor, and more recently, the lead financial planning professional for Morgan Stanley’s Ohio Valley Market. A graduate of Franklin University with a BS in Financial Management, Donna has also earned such prestigious industry designations as Chartered Financial Consultant (ChFC®) and Qualified Plan Financial Consultant (QPFC).
Outside the office, Donna enjoys reading non-fiction, gardening on the 35-acre farm where she lives with her husband Richard, and spending time with her four grown children and six grandchildren.
Vice President
Director of Business Strategy
Donna has a passion for financial planning. A CERTIFIED FINANCIAL PLANNER™ (CFP®), she works closely with clients to help them determine where they are in relation to their financial goals and what they must do to attain those goals within their required timeframe. The plans she develops include investments but go far beyond to encompass such concerns as Social Security and Medicare, insurance, debt management, and estate planning strategies.
“I firmly believe that financial planning makes a major difference in the lives of people willing to engage in it,” she says. “It enables them to make more informed decisions about which path to take.”
Donna’s financial services career began 30 years ago at a Morgan Stanley predecessor firm. Since that time, she has served as a Client Service Associate, Financial Advisor, and more recently, the lead financial planning professional for Morgan Stanley’s Ohio Valley Market. A graduate of Franklin University with a BS in Financial Management, Donna has also earned such prestigious industry designations as Chartered Financial Consultant (ChFC®) and Qualified Plan Financial Consultant (QPFC).
Outside the office, Donna enjoys reading non-fiction, gardening on the 35-acre farm where she lives with her husband Richard, and spending time with her four grown children and six grandchildren.
Wealth Management
From My Desk
How to Take the Emotion Out of Investing
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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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
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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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 Victoria Hayward 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.
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 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.
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 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.
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 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.
7When 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.
8When 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.
9When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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.
*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.
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 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.
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 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.
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 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.
7When 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.
8When 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.
9When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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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:
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
CRC 4665150 (8/2025)
