William T. Lewis, CPWA®
Senior Vice President, Wealth Management,
Financial Advisor
Direct:
(772) 234-1810(772) 234-1810
My Mission Statement
Helping guide individuals and families towards financial security and prosperity with integrity, experience, and a client-first approach.
My Story and Services
Following over a decade at UBS Wealth Management, Bill came to Morgan Stanley in the Fall on 2021 as Senior Vice President and Financial Advisor focusing on holistic wealth planning for a limited number of wealthy families. Bill brings a total of 30 years of experience in the finance industry, 18 of those years spent in Institutional Equity Sales covering investment managers including well known mutual fund companies, alternative asset managers, and pension funds. Over the course of his career he has helped clients navigate the Dot Com bust, the Great Financial Crisis, Covid and other significant geopolitical events. Bill advises 35 Ultra High Net Worth families on wealth planning, wealth transfers, and investment consulting in collaboration with tax and legal advisors.
In September 2025, Bill partnered with The Shoreline Wealth Management Group in 2025 to add additional resources and intellectual capital to his value proposition. Shoreline Wealth Management is comprised of 7 Financial Advisors, 4 Client Support Professionals, and director of Team Strategy. More on the team by clicking the website link below.
Bill earned his BA in Government from St Lawrence University in 1991 and his Master of Business Administration - Finance from the University of Denver in 1994. Bill holds the highly regarded Certified Private Wealth Advisor (CPWA) designation which is uniquely focused on addressing the specific needs of UHNW clients. Bill holds various licenses, including FINRA series 7, 66, 63, 55, CT/FL Life & Health Insurance, and Mortgage license (NMLS 231517).
Bill is a devoted family man, married to his wife Kelly and proud father of three children: a 19-year-old daughter and two boys, ages 15 and 14. He keeps busy with his children's activities, including travel hockey, travel lacrosse, and theater. When time permits, Bill enjoys fly fishing on his flats boat with family & friends. Bill actively supports conservation and clean water initiatives, including non-profits such as Bonefish Tarpon Trust, Everglades Foundation, Indian River Land Trust, Save the Sound, and Soundwaters. Bill also serves on the Advisory Board of Future 5, a Stamford CT non-profit that helps disadvantaged students attend college. Bill also serves his community as a Board member of the 650/700 Beach Road Condominium Association in Indian River Shores, FL.
In September 2025, Bill partnered with The Shoreline Wealth Management Group in 2025 to add additional resources and intellectual capital to his value proposition. Shoreline Wealth Management is comprised of 7 Financial Advisors, 4 Client Support Professionals, and director of Team Strategy. More on the team by clicking the website link below.
Bill earned his BA in Government from St Lawrence University in 1991 and his Master of Business Administration - Finance from the University of Denver in 1994. Bill holds the highly regarded Certified Private Wealth Advisor (CPWA) designation which is uniquely focused on addressing the specific needs of UHNW clients. Bill holds various licenses, including FINRA series 7, 66, 63, 55, CT/FL Life & Health Insurance, and Mortgage license (NMLS 231517).
Bill is a devoted family man, married to his wife Kelly and proud father of three children: a 19-year-old daughter and two boys, ages 15 and 14. He keeps busy with his children's activities, including travel hockey, travel lacrosse, and theater. When time permits, Bill enjoys fly fishing on his flats boat with family & friends. Bill actively supports conservation and clean water initiatives, including non-profits such as Bonefish Tarpon Trust, Everglades Foundation, Indian River Land Trust, Save the Sound, and Soundwaters. Bill also serves on the Advisory Board of Future 5, a Stamford CT non-profit that helps disadvantaged students attend college. Bill also serves his community as a Board member of the 650/700 Beach Road Condominium Association in Indian River Shores, FL.
Services Include
- Alternative InvestmentsFootnote1
- Business PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Trust ServicesFootnote4
- Wealth PlanningFootnote5
- Wealth ManagementFootnote6
- Life InsuranceFootnote7
- Cash Management and Lending ProductsFootnote8
- Sustainable InvestingFootnote9
- Qualified Retirement PlansFootnote10
- Business Succession PlanningFootnote11
Securities Agent: MA, AK, TX, NJ, NC, VT, RI, NV, KY, VA, OR, OH, NM, MT, IA, WY, WV, WI, IL, GA, CO, SC, PA, NY, NH, WA, ME, LA, DE, OK, MD, KS, CT, MN, MI, IN, DC, MO, FL, CA, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 2301537
NMLS#: 2301537
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Certifications, Designations, Recognitions
Certified Private Wealth Advisor CPWA®
The CPWA (Certified Private Wealth Advisor) designation is a professional certification for a financial advisor who specializes in serving high-net-worth clients. It is awarded by the Investments & Wealth Institute to advisors who complete a rigorous educational program, pass a comprehensive examination, and meet other requirements such as having relevant work experience and adhering to a code of ethics.
The CPWA program covers advanced topics in wealth management such as asset protection, tax planning, estate planning, and portfolio management. It also focuses on understanding the unique needs and aspiration of high-net-worth clients and providing personalized solutions to help them achieve their objectives.
Overall, the CPWA designation signifies a high level of expertise and dedication to serving the complex financial needs of wealthy individuals and families.
The CPWA program covers advanced topics in wealth management such as asset protection, tax planning, estate planning, and portfolio management. It also focuses on understanding the unique needs and aspiration of high-net-worth clients and providing personalized solutions to help them achieve their objectives.
Overall, the CPWA designation signifies a high level of expertise and dedication to serving the complex financial needs of wealthy individuals and families.
Series 7 License
Passing FINRA'S Series 7 Examination is a milestone in one's financial career where the applicant demonstrates knowledge on a variety of topics including equity market and fixed income instruments, options, client suitability, and more.
Series 66 License
This exam is designed to test the competency and knowledge of individuals who wish to become investment advisor representatives (IARs). The series 66 exam covers topics such as economic analysis, investment vehicle characteristics, securities regulations and laws, ethics, and fiduciary obligations.
Series 63 License
This exam is designed to test the knowledge of individuals who wish to become registered representatives of a broker-dealer and do business with state residents. The Series 63 exam covers state securities regulations and laws, as well as ethical practices and fiduciary obligations. It is a uniform exam, meaning that the content is standardized across all states and jurisdictions in which it is administered.
Series 55 License
The Series 55 exam covered topics such as market structure, equity securities, order handling and execution, and regulatory requirements. It was designed to test the competency and knowledge of individuals who worked in equity trading for broker-dealers.
Master of Business Administration
In addition to his undergraduate degree from St Lawrence University, Billy comes graduated with a Master of Business Administration (MBA), with a concentration in Finance from the University of Denver in 1994.
Nationwide Mortgage Licensing System
An NMLS (Nationwide Mortgage Licensing System) license proves a mortgage originator can provide loan advice that meets national and state requirements, is up-to-date on their licenses, and is compliant with industry regulations. It is a one-stop database for state licensing information for both mortgage lenders and mortgage loan officers who are part of their team.
Family Office Resources
Morgan Stanley Family Office Resources (FOR) offers a full suite of supplemental resources for Bill’s UHNW clients across a broad range of family wealth planning and transfer needs. Following the Advisor’s lead, clients who engage with FOR will have access to specialized resources that are unique and specific to each client. Offered as part of the overall Morgan Stanley relationship, clients with multi-generational wealth can expect actionable planning strategies so they may make complex decisions with confidence.
Disclosure:
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Disclosure:
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Family Office Resources Overview
This slide deck provides more information about Morgan Stanley's suite of Family Office Resources, touching upon the complex, multigenerational wealth management issues of high net worth families like yours, the evolution of your family's needs, and the moving parts to consider when putting the foundational elements in place.
Family Office Resources Overview
Portfolio Construction
Take a look at the following deck to get additional clarity on some important questions to consider for your wealth management journey:
○ How can I find high-quality emerging managers?
○ How do I identify leading managers across my entire asset allocation?
○ Are the fees I'm being charged worth the services I am receiving?
Portfolio Construction Deck○ How can I find high-quality emerging managers?
○ How do I identify leading managers across my entire asset allocation?
○ Are the fees I'm being charged worth the services I am receiving?
Philanthropy Management
Use this document to better understand how Family Office Resources can help with your Philanthropy Management strategy. Specifically, learn more about:
○ Advisory Services
○ Giving Assistance
○ Connections
Philanthropy Management Document○ Advisory Services
○ Giving Assistance
○ Connections
Family Governance & Wealth Education
Give this document a read to learn more about some ideas to consider to better guide your overall family governance structure and education.
Family Governance & Wealth Education
Estate Planning Strategies
The goal is to provide you with quantitative analyses of complex situations and scenarios, tailored to your unique needs to help quantify the degree and direction of making or not making a decision.
Estate Planning Strategies One Pager
Lifestyle Advisory Offering
Check out this one pager covering some of our lifestyle solutions, from every day to extraordinary aspects of your life:
○ Travel & Concierge Services
○ Health & Security Advisory
○ Personal Enrichment
○ Tangible Asset Management
○ Financial Administration
Lifestyle Advisory Offering One Pager○ Travel & Concierge Services
○ Health & Security Advisory
○ Personal Enrichment
○ Tangible Asset Management
○ Financial Administration
Wealth Strategies & Planning Tools
This slide deck covers some of the ways our Family Office specialists can help out with your financial planning needs. Take a look for additional clarity on the following questions:
○ How should I think about investments in the context of my estate plan, tax situation, and anticipated spending?
○ What is the appropriate asset allocation that balances risk vs. reward and will best help me achieve my goals?
○ What choices do I have with respect to my stock options and shares?
○ What decisions can I make today to improve my wealth over time?
Wealth Strategies & Planning Tools Slide Deck○ How should I think about investments in the context of my estate plan, tax situation, and anticipated spending?
○ What is the appropriate asset allocation that balances risk vs. reward and will best help me achieve my goals?
○ What choices do I have with respect to my stock options and shares?
○ What decisions can I make today to improve my wealth over time?
Wealth Planning
As the cornerstone of our wealth management process, financial & wealth planning provides the framework used to ensure complex financial decisions are made with confidence and the highest probability of success. A well defined wealth plan, sourced from several digital and qualitative planning resources from Morgan Stanley, is critical to ensure the alignment of advisor and client. We work very hard on getting this right for clients and our positive results on client satisfaction reflect that.
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf
Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf
LifeView Financial Plan
This suite of planning tools integrates the various aspects of your financial situation to provide a goals-specific analysis that we translate into your strategic financial plan. Not only does LifeView account for your investments and cash management needs, but it can also demonstrate complex planning strategies such as methods of stock option exercise and estate planning solutions.
Example Plan
Strategy- Intelligent Withdrawals
It is vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results. We are backed by sophisticated technology that enables us to look across multiple accounts and products to determine the right combination of securities and positions to sell for client needs.
Learn More
Wealth Transfers
Your legacy is the opportunity to pass on the material rewards of your life in the way that best fulfills your
goals and reflects your values. Touching the future in this way can only be accomplished by thoughtful planning.
Learn Moregoals and reflects your values. Touching the future in this way can only be accomplished by thoughtful planning.
Retirement Planning
While retirement may still be decades away, it’s essential to start planning and saving for the life you want. The path to your ideal retirement may have some twists and turns, but smart planning can help you reach your destination.
Learn MoreWealth Tools
Morgan Stanley has invested tremendous capital in technology to support clients and advisors. We offer best in class digital solutions for clients, highlighted below:
Goals Planning System (GPS)
GPS is our financial planning software. It helps define what you want out of life, so we can create a financial framework to bring these goals to fruition.
Learn More
Morgan Stanley Mobile App
The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online – all from the convenience of your own phone. It also offers features to simplify your everyday finances.
Learn More
Total Wealth View
With this service, you can view all your assets and liabilities together – whether held at Morgan Stanley or elsewhere – in one place for a comprehensive overview of your assets.
Learn More
Morgan Stanley Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
Learn More
E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
Learn More
E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures for necessary paperwork. There is no registration process to begin using E-Sign - all you need is a valid email address and phone number.
Learn More
E-Delivery
E-Delivery allows you to securely save, print, send and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
Learn More
Digital Vault
The Digital Vault allows you to build a centralized library for all of your documents using encryption.
Learn MoreClient Service Team
Tracey Panuzio - First Vice President, Director of Business Strategy
Phone:
(203) 221-6018(203) 221-6018
Email:Tracey.Panuzio@morganstanley.com
Drawing on more than 30 years of financial services experience, Tracey is the Director of Business Strategy for The Shoreline Wealth Management Group at Morgan Stanley. She is responsible for the delivery of the Team’s world-class client service model as well as the overall management of the Team’s operations. In addition, Tracey leads the Team’s strategic planning efforts, ensuring smooth execution of the Team’s business plan as well as the Team’s organized and disciplined future growth.
Tracey has consistently grown into more senior roles throughout her career and has a deep understanding of the ins and outs of the financial services industry. In her last role as Complex Risk Officer, Tracey spent over 10 years providing support and guidance to hundreds of Financial Advisors as they built and managed their practices in an ever-changing regulatory environment. During that chapter of her career, she also bore witness to the “best practices” at our firm and in our industry – skill sets that will serve her well as she helps The Shoreline Group of Westport serve its clients and grow its business going forward.
Since Tracey came into the business in 1991, she has worked in a plethora of different roles with Prudential Securities, Smith Barney and Morgan Stanley. She enjoys working directly with clients and helping them get the job done quickly and efficiently, whatever that may be. She holds series 7, 63, 66, 9 & 10.
Tracey resides in Branford, CT with her children, Adam and Ryan and their rescue dog, Rex. Tracey enjoys cooking and hiking in her spare time.
Tracey has consistently grown into more senior roles throughout her career and has a deep understanding of the ins and outs of the financial services industry. In her last role as Complex Risk Officer, Tracey spent over 10 years providing support and guidance to hundreds of Financial Advisors as they built and managed their practices in an ever-changing regulatory environment. During that chapter of her career, she also bore witness to the “best practices” at our firm and in our industry – skill sets that will serve her well as she helps The Shoreline Group of Westport serve its clients and grow its business going forward.
Since Tracey came into the business in 1991, she has worked in a plethora of different roles with Prudential Securities, Smith Barney and Morgan Stanley. She enjoys working directly with clients and helping them get the job done quickly and efficiently, whatever that may be. She holds series 7, 63, 66, 9 & 10.
Tracey resides in Branford, CT with her children, Adam and Ryan and their rescue dog, Rex. Tracey enjoys cooking and hiking in her spare time.
Location
3525 Ocean Drive
Vero Beach, FL 32963
US
Direct:
(772) 234-1810(772) 234-1810
Wealth Management
Global Investment Office
Portfolio Insights
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
Article Image
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
Article Image
Ready to start a conversation? Contact William T. Lewis today.
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 (“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.
4Morgan 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.
5Morgan 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.
6Morgan 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
9Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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.
11Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
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 (“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.
4Morgan 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.
5Morgan 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.
6Morgan 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
9Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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.
11Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
