Sam Giliberti
Senior Vice President, Financial Advisor
Phone:
(914) 225-1307(914) 225-1307
Vista Wealth Management at Morgan Stanley
Direct:
(914) 225-9837(914) 225-9837
Our Mission Statement
Our mission is to design highly tailored financial strategies grounded in rigorous analysis, disciplined stewardship, and a deep understanding of life's complexities—serving as a trusted guide through long-term partnerships and unwavering commitment.
Our Story and Services
At the heart of our practice is a commitment to helping clients navigate life’s financial journey with clarity and confidence. With decades of combined experience, our team brings a disciplined, personalized approach to wealth management – focused on your goals, values, and legacy. We’ve built our reputation on transparency and long-term relationships, serving individuals, families, and business owners who value thoughtful guidance and strategic insight. As your financial partner, we’re here to provide not just answers, but perspective - every step of the way.
Services Include
- Alternative InvestmentsFootnote1
- Business PlanningFootnote2
- Cash Management and Lending ProductsFootnote3
- CommoditiesFootnote4
- Corporate Retirement PlansFootnote5
- Endowments and FoundationsFootnote6
- Estate Planning StrategiesFootnote7
- Long-term Care InsuranceFootnote8
- Professional Portfolio ManagementFootnote9
- Retirement PlanningFootnote10
- Structured ProductsFootnote11
- Trust ServicesFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Approach
We can help you with a particular financial need or create a comprehensive plan that takes all of your financial needs and goals into account. Our method looks at your wealth from all sides. This leads to solutions that not only have the ability to help you achieve your financial goals, but also transcend them.
Step 1: Discovery & Goal Setting
Let's begin with a thorough discussion to explain and ascertain your needs, wants, and values. It is important to us that we have a thorough understanding of various facets of your life that affect your financial goals and decisions. Every financial strategy should be unique because everyone is different.
Step 2: Analysis, Strategy, & Planning
To conduct a full assessment of your financial situation, we make use of a range of financial planning and risk analysis tools. We then implement a comprehensive financial plan that can help you accumulate, preserve, and transfer wealth in line with your objectives.
Step 3: Implementation
Your assets will be transferred to Morgan Stanley once you give your approval. We start implementing the additional techniques we described in your plan once they are in line with your tailored investment strategy.
Step 4: Ongoing Monitoring
Our relationship with you is extremely important to us, and we want to keep it that way. We communicate with you frequently to provide account updates. Additionally, we keep tabs on how well you're doing in achieving each of your objectives and adjust your financial plan as needed when your circumstances change.
A FINANCIAL PLAN MADE FOR YOU
Our approach to wealth management starts with what matters most – your goals, values, and vision for the future. We take a holistic view of your financial life, from investments and income to spending and retirement, ensuring each component aligns with your broader strategy. By combining personalized guidance with advanced planning tools, we create practical, goal-driven plans that support you through every stage of your financial journey.
Retirement Planning
As you approach retirement, we work with you to determine the most suitable strategy to generate income and stay aligned with your long-term goals.
LifeView Intelligent Planning
LifeView offers a suite of planning tools designed to help us craft a personalized strategy based on your specific goals. It incorporates a full view of your finances – including investments, income, and cash management – to guide your financial future.
Planning Your Financial Future
Your Financial goals and priorities will likely shift with time. To help prepare for the road ahead, ask yourself what matters to you and your family long term.
Financial Management Tools
Managing multiple financial accounts across different firms can be complicated. With Morgan Stanley Online, you can link your non-Morgan Stanley accounts and analyze your cash flow all in one place.
INVESTOR RESOURCES
We aim to make complex financial topics clear and accessible, helping you understand the strategies shaping your financial future. Below are valuable resources offering expert insights into market trends, economic shifts, and planning opportunities.
GIC Weekly Report
Lisa Shalett, Chief Investment Officer of Morgan Stanley Wealth Management, shares timely insights on market dynamics, asset classes, and fixed income in this weekly updated.
On the Markets Report
Receive in-depth analysis from Morgan Stanley's thought leaders on market trends, interest rates, inflation, and policy shifts impacting investors.
Thoughts on the Market Podcast
Join Chief Investment Officer Mike Wilson and other Morgan Stanley experts as they explore the biggest themes influencing markets today – offering perspectives on what they mean for your portfolio.
2026 Tax Tables
Stay ahead of tax planning with the latest federal tax tables. Use this resource to help guide decisions and prepare for key filing deadlines.
OUR SUITE OF DIGITAL TOOLS
Digital technology influences how we connect, shop, manage money, and move through the world. Our suite of integrated tools is built to streamline and support every aspect of your financial life. Here are a few of the innovative solutions we offer.
Morgan Stanley Online
Access and manage your investments and day-to-day finances securely and efficiently, all in one place with Morgan Stanley Online.
Total Wealth Tool
Gain a comprehensive perspective on your financial life by combining insights from both your Morgan Stanley accounts and external holdings – supporting more informed planning and strategic advice.
Portfolio Risk Platform
Our institutional-grade Portfolio Risk Platform evaluates your holdings through a risk-factor lens, helping you understand how different exposures impact overall portfolio performance and potential returns.
Digital Vault
Safely store, access, and share important financial documents – such as statements, tax forms, and authorizations – through our secure Digital Vault in collaboration with your Financial Advisor.
Location
2000 Westchester Avenue
Purchase, NY 10577
US
Direct:
(914) 225-9837(914) 225-9837
Meet Vista Wealth Management
Sev Dauti, CFP®
Senior Vice President, Financial Advisor
Phone:
(914) 225-9837(914) 225-9837
Raymond Hart, CIMA®
Senior Vice President, Financial Advisor
Phone:
(914) 225-1551(914) 225-1551
Neil Klein
Senior Vice President, Financial Advisor
Phone:
(914) 225-0686(914) 225-0686
John Cirocco
First Vice President, Financial Advisor
Phone:
(914) 225-1317(914) 225-1317
Robert DiSiena
Director of Investments, Portfolio Manager
Phone:
(914) 225-0341(914) 225-0341
Rosemary Fusco
Wealth Management Associate
Phone:
(914) 225-1464(914) 225-1464
Jill Marino
Assistant Vice President, Group Director
Phone:
(914) 225-3197(914) 225-3197
Jessica Rossi
Client Relationship Analyst
Phone:
(914) 225-0323(914) 225-0323
About Me
Sam began his career as a financial advisor more than 26 years ago after transitioning from his family-owned hospitality business, which he successfully owned and operated for 10 years. That entrepreneurial experience shaped his client-first mindset and laid the foundation for his long-term commitment to building trusted relationships. In his role on the team, Sam is responsible for managing client relationships and is deeply involved in the financial planning process. He works closely with clients to understand their goals, provide thoughtful guidance, and help them make informed financial decisions with confidence. His approach is rooted in clear communication, long-term planning, and a genuine dedication to client success. Sam lives in Somers, New York, with his wife and two children. Together, they are active supporters of their community, reflecting the same values of integrity, commitment, and service that guide Sam’s professional work.
Securities Agent: WY, MI, PA, TN, FL, NY, MN, WA, IL, CO, CA, AR, TX, NV, MA, GA, SC, NH, LA, DE, OR, MD, DC, RI, OH, NJ, NC, CT, AZ, VA, NM; General Securities Representative; Investment Advisor Representative
NMLS#: 2766460
NMLS#: 2766460
About Me
Sev is a CERTIFIED FINANCIAL PLANNER®™ who serves the needs of his clients through the Morgan Stanley office in Purchase, New York. Sev is a graduate of Northeastern University, where he majored in International Business and received a Bachelors of Science in Business Administration. Sev resides in New Fairfield, CT with his wife, Floresha, and their two children, Edona and Feim.
Securities Agent: NY, CA, SC, OR, NV, MA, AZ, WA, TN, NC, IL, GA, VA, OH, DC, CT, NH, CO, WY, MI, FL, RI, PA, MD, TX, NM, NJ, MN, AR, LA, DE; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2767101
NMLS#: 2767101
About Me
Ray rejoins Morgan Stanley following a successful tenure with UBS, where he focused on liability management, asset allocation, and alternative investments. He brings over 20 years of wealth management experience and holds the CIMA® designation. Ray resides in New Fairfield, CT.
Securities Agent: CT, WA, OR, NM, NC, MI, TN, MA, CA, MN, SC, NY, HI, GA, WY, TX, DE, AR, RI, PA, NV, DC, NJ, NH, MD, IL, UT, FL, CO, AZ, VA, OH, LA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2771031
NMLS#: 2771031
About Me
Neil is the senior member of Vista Wealth Management, having served as a Wealth Advisor since 1987 and was with UBS since 2006 before joining Morgan Stanley. Neil graduated from the School of Management at Syracuse University and has served on the Board of Directors for various not-for-profits. His father, Seymour, worked on Wall Street for 60 years and taught Neil to always take a personal approach when helping clients with their financial goals. Neil’s wife, Susanne, is his primary passion, with their two sons, Joshua and Jeremy, coming up a close second. Composing music is a huge part of Neil’s life, with his most satisfying work being the creation of the musical, Holding On.
Securities Agent: WA, IL, SC, OR, MA, FL, DC, CT, TN, OH, NY, NV, MI, LA, CA, VA, RI, DE, GA, NJ, MN, MD, CO, AZ, WY, NM, NH, PA, NC, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 2759880
NMLS#: 2759880
About Me
Prior to joining Morgan Stanley, John was with UBS since 2000. A graduate of Ithaca College with a degree in Business Administration. John worked with his father Peter for 25 years. John’s dad preached prompt customer response and service leads to lasting long-term relationships. John’s focus is on Retirement Planning and helping clients maintain their lifestyles into retirement. John is a resident of Brewster NY with his wife Judi. He is the proud father or three boys and has three granddaughters. John enjoys playing golf and rooting for New York sports teams.
Securities Agent: NJ, RI, NH, WA, OR, OH, NY, NV, MN, GA, CT, TX, TN, NC, MA, IL, VA, NM, FL, PA, MI, CA, DE, SC, MD, IA, DC, CO, WY, LA, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 2766461
NMLS#: 2766461
About Robert DiSiena
Prior to joining Morgan Stanley, Robert was a Financial Advisor and Portfolio Manager with the investment firm UBS in Purchase, N.Y. Robert offers both comprehensive and customized financial planning services. Robert has broad-based experience in financial planning, tax planning and money management, with a particular focus on asset allocation and investment strategies. Robert is a member of the New York Bar, and his background includes prior work as an attorney in New York.
About Rosemary Fusco
Rosemary joined Morgan Stanley in June 2025 and brings over 40 years of experience in the financial services industry. She currently serves as a Wealth Management Associate with Vista Wealth Management. Throughout her extensive career, Rosemary has held roles such as Research Assistant to Equity Analysts and Registered Sales Assistant in the retail branch environment. She is passionate about client interaction and problem-solving. Rosemary resides in Mamaroneck with her husband, Steve, and is a proud mother to three adult children: John, Steven, and Justin.
About Jill Marino
Jill Marino is the Group Director for Vista Wealth Management at Morgan Stanley in Purchase, NY. Joining the firm in 2025 with over 25 years of experience in the financial services industry she marked a return to the firm where she began her career. Before joining Morgan Stanley, Jill spent 17 years at UBS Financial Services and prior to that, Smith Barney. Throughout her career, she has worked in various roles within the retail branch environment. Relationships built with clients coupled with her extensive experience have helped Jill provide the highest standards of professionalism for both her clients’ financial growth and her teams’ effectiveness in their business approach. Jill currently holds active Series 7, 9, 10, 63 and 65 licenses in addition to her New York State Insurance License. Jill and her husband Antonio, along with their three children live in Northern Westchester.
About Jessica Rossi
Jessica joined Morgan Stanley in June 2025 with Vista Wealth Management. She serves as a Client Service Associate and is often the first point of contact for client communications. Known for her responsiveness and attention to detail, Jessica helps clients navigate day-to-day service needs, coordinates closely with advisors, and keeps the client experience running smoothly. Prior to joining the firm, she spent seven years at UBS and brings more than 10 years of experience in the financial services industry. Jessica lives in northern Westchester with her husband, Jordan, and their two sons, Christian and Marco.
Contact Sam Giliberti
Contact Sev Dauti
Contact Raymond Hart
Contact Neil Klein
Contact John Cirocco
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 Vista Wealth Management 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.
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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
4Investing in commodities entails significant risks. The commodities markets may fluctuate widely based on a variety of factors including changes in supply and demand relationships; governmental programs and policies; national and international political and economic events; war and terrorist events; changes in interest and exchange rates; trading activities in commodities and related contracts; pestilence; weather; technological change; and, the price volatility of a commodity. In addition, the commodities markets are subject to temporary distortions or other disruptions due to various factors, including lack of liquidity, participation of speculators and government intervention.
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, charitable giving, philanthropic planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
10When 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.
11Structured 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.
12Morgan 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.
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
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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
4Investing in commodities entails significant risks. The commodities markets may fluctuate widely based on a variety of factors including changes in supply and demand relationships; governmental programs and policies; national and international political and economic events; war and terrorist events; changes in interest and exchange rates; trading activities in commodities and related contracts; pestilence; weather; technological change; and, the price volatility of a commodity. In addition, the commodities markets are subject to temporary distortions or other disruptions due to various factors, including lack of liquidity, participation of speculators and government intervention.
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, charitable giving, philanthropic planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
10When 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.
11Structured 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.
12Morgan 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.
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
CRC 4665150 (8/2025)