Eric Epstein
Senior Vice President, Wealth Advisor, Senior Portfolio Manager, Family Wealth Director
Phone:
(818) 713-4768(818) 713-4768
Warner Center Wealth Management at Morgan Stanley
Direct:
(818) 713-4708(818) 713-4708
Toll-Free:
(800) 755-2550(800) 755-2550
Our Mission Statement
Comprehensive wealth planning strategies for your life and legacy
Warner Center Wealth Management
Our team is committed to providing exceptional service and customized wealth management solutions for our clients that help address financial aspirations and create a legacy for future generations.
We focus on every aspect of your financial life from portfolio management and financial planning to alternative investments, long term care, estate and tax planning strategies, philanthropy and generational wealth transfer.
We welcome the opportunity to have a conversation with you about how we can work with you to create a personalized plan so that you can be free to enjoy the lifestyle you’ve worked so hard to achieve.
Warner Center Wealth Management
David, Eric, Zach, Christine and Sogol
We focus on every aspect of your financial life from portfolio management and financial planning to alternative investments, long term care, estate and tax planning strategies, philanthropy and generational wealth transfer.
We welcome the opportunity to have a conversation with you about how we can work with you to create a personalized plan so that you can be free to enjoy the lifestyle you’ve worked so hard to achieve.
Warner Center Wealth Management
David, Eric, Zach, Christine and Sogol
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Alternative InvestmentsFootnote4
- Structured ProductsFootnote5
- Municipal BondsFootnote6
- Fixed IncomeFootnote7
- Sustainable InvestingFootnote8
- Cash Management and Lending ProductsFootnote9
- 529 PlansFootnote10
- Long Term Care InsuranceFootnote11
- Life InsuranceFootnote12
- AnnuitiesFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Financial Planning With Warner Center Wealth Management
Your financial plan should include more than just your investment objectives. Rather, it should be tailored to address the personal life and legacy goals you've identified and prioritized.
Our planning process begins with you, your personal goals, your financial goals, and your investment objectives. It is holistic in its approach and encompasses all the key elements of your financial life as well as your cash management needs. Your curated wealth plan includes research and recommendations across a wide range of asset classes, themes, models, and investment managers to accomplish your objectives.
The CFP® Professional:
David Sinensky and Zachary Lovley are certified by the CFP® Board. The CFP® designation shows that David and Zach have taken the extra step to demonstrate commitment and professionalism by volunarily submitting to the rigorous CFP® certification process to better serve our clients.
The certification process includes demanding education, examination, experience, and ethical requirements. These four cornerstones set the foundation for our ability in helping clients achieve their goals. Our diverse skillsets can help you navigate the compliacted financial factors in your life.
Our LifeView® Platform:
Using our LifeView® platform - we can create your personal roadmap to help achieve and protect your goals - a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
LifeView® helps us help you:
- Analyze your current investments and financial situation
- Review and prioritize your goals with you, such as retiremtns
- Education funding
- Major purchases and philanthropic goals
- Protect your goals
- Develop wealth transfer strategies
Advise
We work with you to develop portfolio strategies to help you achieve and protect the outcomes you envision.
Implement
Look across multiple accounts and products to help you implement solutions that are an appropriate fit for your strategy.
Morgan Stanley's Family Wealth Director Designation
As your family grows and your wealth increases, you may face a broader and more complex set of wealth management challenges. As Family Wealth Directors, Eric and David are among a select group of 2% of advisors at Morgan Stanley who have the extensive experience, specialized training and the resources necessary to help you and your family address these needs. The Family Wealth Director designation shows exceptional commitment to high net worth individuals, families or business owners and a sophisticated approach to Wealth Management.
The FWD designation integrates family governance, estate planning, philanthropy management and generational wealth transfer with traditional wealth management strategies. Our approach is holistic with a focus on:
• Maintaining family unity across generations, focusing on family mission, governance, conflict management and family endowments
• Helping ease administration burdens by managing some of the most complex aspects of your life
• Managing wealth with a long-term view and an unwavering focus on your family's interests
• Protecting your assets and transfer them efficiently to the next generation and the causes and institutions you support
• Developing strategies that pass down family values as well as family assets
• Accessing specialized ultra high net worth resources and strategies tailored specifically to your needs and goals
Please let us know if you are interested in exploring these services further.
The FWD designation integrates family governance, estate planning, philanthropy management and generational wealth transfer with traditional wealth management strategies. Our approach is holistic with a focus on:
• Maintaining family unity across generations, focusing on family mission, governance, conflict management and family endowments
• Helping ease administration burdens by managing some of the most complex aspects of your life
• Managing wealth with a long-term view and an unwavering focus on your family's interests
• Protecting your assets and transfer them efficiently to the next generation and the causes and institutions you support
• Developing strategies that pass down family values as well as family assets
• Accessing specialized ultra high net worth resources and strategies tailored specifically to your needs and goals
Please let us know if you are interested in exploring these services further.
Our Awards & Designations
Forbes Best-In-State Wealth Management Teams 2024
The Forbes ranking of America’s Top Wealth Management Teams, developed by SHOOK Research, is based on an algorithm of qualitative criteria, mostly gained through telephone, virtual and in-person due diligence interviews, and quantitative data. This qualitative criteria focuses on studying each team’s best practices—service models, investing process, team construct, skill sets, etc. The algorithm also weighs factors like revenue trends, assets under management, compliance records.
2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on the time period from 3/31/22–3/31/23. For criteria & methodology, go to (https://www.morganstanley.com/disclosures/awards-disclosure)
2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on the time period from 3/31/22–3/31/23. For criteria & methodology, go to (https://www.morganstanley.com/disclosures/awards-disclosure)
Forbes Best-In-State Wealth Advisors 2024 - Eric Epstein
The Forbes ranking of Best-In-State Wealth Advisors, developed by SHOOK Research, is based on an algorithm of qualitative criteria, gained through telephone, virtual and in-person due diligence interviews, and quantitative data. Those advisors that are considered have a minimum of seven years experience, and the algorithm weighs factors like revenue trends, assets under management, compliance records, industry experience and those that encompass best practices in their approach to working with clients.
2024 Forbes Best-In-State Wealth Advisors
Source: Forbes (Awarded April 2024) Data compiled by SHOOK Research LLC based on the time period from 6/30/22-6/30/23. For criteria & methodology, go to (https://www.morganstanley.com/disclosures/awards-disclosure)
2024 Forbes Best-In-State Wealth Advisors
Source: Forbes (Awarded April 2024) Data compiled by SHOOK Research LLC based on the time period from 6/30/22-6/30/23. For criteria & methodology, go to (https://www.morganstanley.com/disclosures/awards-disclosure)
Forbes Best-In-State Wealth Advisors 2024 - David Sinensky
The Forbes ranking of Best-In-State Wealth Advisors, developed by SHOOK Research, is based on an algorithm of qualitative criteria, gained through telephone, virtual and in-person due diligence interviews, and quantitative data. Those advisors that are considered have a minimum of seven years experience, and the algorithm weighs factors like revenue trends, assets under management, compliance records, industry experience and those that encompass best practices in their approach to working with clients.
2024 Forbes Best-In-State Wealth Advisors
Source: Forbes (Awarded April 2024) Data compiled by SHOOK Research LLC based on the time period from 6/30/22-6/30/23. For criteria & methodology, go to (https://www.morganstanley.com/disclosures/awards-disclosure)
2024 Forbes Best-In-State Wealth Advisors
Source: Forbes (Awarded April 2024) Data compiled by SHOOK Research LLC based on the time period from 6/30/22-6/30/23. For criteria & methodology, go to (https://www.morganstanley.com/disclosures/awards-disclosure)
Master's Club at Morgan Stanley Wealth Management
The Firm's prestigious Master's Club is an elite group composed of the Firm's top 1,150 (after President's Club) Financial Advisors. The appointment recognizes Robert's consistent creativity and excellence in providing a wide range of investment products and wealth management services to his clients.
Pacesetter's Club at Morgan Stanley Wealth Management
The Firm's Pacesetter's Club is a global recognition program for Financial Advisors who, early in their career, have demonstrated the highest professional standards and first-class client service.
Certified Financial Planner® (CFP)
Individuals certified by the CFP® Board have taken the extra step to demonstrate commitment and professionalism by voluntarily submitting to the rigorous CFP® certification process that includes demanding education, examination, experience, and ethical requirements. These four cornerstones set the foundation for the CFP® professional’s ability in helping clients achieve their goals.
Family Wealth Director (FWD)
Morgan Stanley Family Wealth Directors are a select group of fewer than 2% of Morgan Stanley Financial Advisors, and have access to the firm's advanced resources for managing significant generational wealth. Family Wealth Directors have the extensive experience, specialized training and resources necessary to help clients address their unique goals and aspirations.
Senior Portfolio Manager
As Senior Portfolio Managers, Eric and David study trends and developments that shape the investment environment, drive the economy and impact portfolio performance. Their Senior Portfolio Manager designation shows they underwent rigorous continuing education and training to qualify them to manage investment advisory accounts on a discretionary basis.
Research, Insights, and Trending Investing Topics From Our Desk
On The Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
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US Policy Pulse: General Election Series
The 2024 general election series consists of monthly reports examining the relationship between financial markets, the economy and electoral outcomes. Click below to read our current research.
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Your Guide to Tax-Efficient Planning
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan.
Read More
Lifetime Exemption: Don't Wait Until It Is Too Late To Gift
As of 2024, the Federal estate and gift tax exemption (the "Lifetime Exemption") is at an all-time high amount of $14,610,000 per individual and $27,220,000 for married couples. The Lifetime Exemption is set to automatically sunset on December 31, 2025, which will result in the Lifetime Exemption reverting to $5,000,000. As a result, individuals who currently have an estate larger than the Lifetime Exemption in effect as of January 1, 2026, may want to consider making gifts up to the current Lifetime Exemption before the potential sunset date.
Read More
SECURE 2.0: 529 Rollover To Roth IRA
The SECURE 2.0 Act of 2022 was signed into law on December 29, 2022, as part of the Consolidated Appropriations Act of 2023. Starting in 2024, subject to certain requirements, a beneficiary of a 529 qualified tuition plan may (tax-free and penalty tax-free) rollover certain assets held in a 529 account to a Roth IRA maintained for the benefit of a beneficiary of that 529 plan.
Read MoreLocation
21650 Oxnard St
Ste 1800
Woodland Hills, CA 91367
US
Direct:
(818) 713-4708(818) 713-4708
Toll-Free:
(800) 755-2550(800) 755-2550
Meet Warner Center Wealth Management
David Sinensky, CFP®
Senior Vice President, Wealth Advisor, Senior Portfolio Manager, Family Wealth Director
Phone:
(818) 713-4717(818) 713-4717
Zachary Lovley, CFP®
Assistant Vice President, Wealth Management, Financial Advisor
Phone:
(818) 713-4706(818) 713-4706
Christine Freeman
Wealth Management Associate
Phone:
(818) 713-4708(818) 713-4708
Sogol Danaei
Senior Client Service Associate
Phone:
(818) 713-4760(818) 713-4760
About Eric Epstein
With more than 30 years of experience, Eric provides highly customized advice, investment solutions and wealth management services to affluent individuals, multigenerational families, and small-business owners. He listens carefully to his clients’ goals, values, and concerns and, through his close and deep relationships with clients, seeks to make a difference in their lives by delivering comprehensive financial planning services with passion and integrity. As a Morgan Stanley Family Wealth Director, Eric is among a select group of fewer than 2% of Morgan Stanley Financial Advisors with access to the firm’s advanced resources for managing significant generational wealth, and he focuses on developing financial strategies that are well suited to meeting clients’ specific needs. In addition, Eric is a Senior Portfolio Manager has offers specialized skills in asset allocation, investment management, banking and lending strategies, as well as college funding and retirement planning.
Eric joined Morgan Stanley in 2000 and has held several roles in branch management in addition to being a Financial Advisor. This collective experience has provided him with a diverse set of capabilities and knowledge to help him guide his clients toward their personal and professional financial goals. For his dedication to excellence, he has received many accolades from the firm over the years, including membership into Morgan Stanley’s Master Club consecutively from 2017-2023. Eric began his career in financial services in 1985 with Smith Barney in Los Angeles, after graduating with honors from the University of Maryland.
A native of California, Eric grew up in West Los Angeles and attended Fairfax High School. Today, he lives in Hidden Hills, California, with his wife, Jill, and has three children and three dogs. Eric currently serves as president of the University of Maryland’s Alumni Association of Los Angeles and is Vice President of the Board of Directors, Executive Committee for Hidden Hills. Outside the office, Eric is an avid sports fan, enjoys fostering dogs and spending time at his vacation home in Lake Arrowhead.
Eric joined Morgan Stanley in 2000 and has held several roles in branch management in addition to being a Financial Advisor. This collective experience has provided him with a diverse set of capabilities and knowledge to help him guide his clients toward their personal and professional financial goals. For his dedication to excellence, he has received many accolades from the firm over the years, including membership into Morgan Stanley’s Master Club consecutively from 2017-2023. Eric began his career in financial services in 1985 with Smith Barney in Los Angeles, after graduating with honors from the University of Maryland.
A native of California, Eric grew up in West Los Angeles and attended Fairfax High School. Today, he lives in Hidden Hills, California, with his wife, Jill, and has three children and three dogs. Eric currently serves as president of the University of Maryland’s Alumni Association of Los Angeles and is Vice President of the Board of Directors, Executive Committee for Hidden Hills. Outside the office, Eric is an avid sports fan, enjoys fostering dogs and spending time at his vacation home in Lake Arrowhead.
Securities Agent: CO, NJ, MO, PR, NC, AR, VA, UT, NY, NV, MA, IA, GA, MT, IL, CA, TX, OR, HI, WA, TN, LA, AZ, OH, ID, NM, MD, FL; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1262319
NMLS#: 1262319
About David Sinensky
A seasoned wealth management professional and successful entrepreneur, David focuses on helping individuals, families and small-business owners preserve, manage, and grow their wealth. He uses a comprehensive financial planning process to address retirement and transition planning, risk management, estate planning strategies, and credit and liquidity solutions. David’s designation as a Morgan Stanley Family Wealth Director places him among a select group of fewer than 2% of Morgan Stanley Financial Advisors and gives him access to the firm’s advanced resources for managing significant generational wealth. In addition, he is a Senior Portfolio Manager at the firm, which qualifies him to directly manage client assets, and he works closely with clients to align their investments with their personal and professional goals.
Prior to joining Morgan Stanley in 2002, David was the president and owner of a small chain of natural and specialty food stores in the Midwest for more than 18 years before selling his business to Wild Oats Markets in 1998. As a result of this entrepreneurial experience, David is keenly aware of the unique opportunities, rewards and financial management challenges of today’s business owners, as well as specialized strategies to address them.
Throughout his financial services career, David has been committed to advanced learning. He has earned the CERTIFIED FINANCIAL PLANNINGTM designation, a recognized standard of excellence for personal financial planning, from the Certified Financial Planner Board of Standards, as well as a Financial Management Certificate from Cornell University. David graduated with departmental distinction from California Lutheran University with a B.S. in organization leadership.
Originally from Plainview, Long Island, David and his wife, Deborah, currently reside in Malibu. They have one son, Joel, who lives in Hollywood and is an aspiring writer. In his free time, David enjoys golf and travel.
Prior to joining Morgan Stanley in 2002, David was the president and owner of a small chain of natural and specialty food stores in the Midwest for more than 18 years before selling his business to Wild Oats Markets in 1998. As a result of this entrepreneurial experience, David is keenly aware of the unique opportunities, rewards and financial management challenges of today’s business owners, as well as specialized strategies to address them.
Throughout his financial services career, David has been committed to advanced learning. He has earned the CERTIFIED FINANCIAL PLANNINGTM designation, a recognized standard of excellence for personal financial planning, from the Certified Financial Planner Board of Standards, as well as a Financial Management Certificate from Cornell University. David graduated with departmental distinction from California Lutheran University with a B.S. in organization leadership.
Originally from Plainview, Long Island, David and his wife, Deborah, currently reside in Malibu. They have one son, Joel, who lives in Hollywood and is an aspiring writer. In his free time, David enjoys golf and travel.
Securities Agent: NJ, ID, HI, PR, MD, IA, FL, TN, OR, NY, NM, MT, MO, LA, CA, AZ, OH, MA, NV, NC, IL, GA, WA, VA, TX, CO, AR, UT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288106
NMLS#: 1288106
About Zachary Lovley
Zach provides a wide range of services for the team’s high-net-worth clients. As a CERTIFIED FINANCIAL PLANNERTM, Zach drives the team’s financial planning process by helping clients identify and articulate their specific financial goals, developing comprehensive financial plans that incorporate all aspects and objectives of their unique situation. He then utilizes that foundation to construct individualized portfolios to meet those objectives. He enjoys delivering analytical solutions to clients and focuses on providing the highest level of advice.
Zach joined Morgan Stanley as a member of the firm’s financial advisor training program in 2009. Upon its completion, he joined Warner Center Wealth Management as a Wealth Management Associate and later became a Financial Advisor, drawing from the vast experience of the team’s senior leaders to develop his skills over his years on the team. Zach has earned the CERTIFIED FINANCIAL PLANNERTM designation, a standard of excellence in the financial planning industry, to supplement his knowledge. He also holds the life, accident and health, and variable life and annuity licenses, as well as the Series 6, 7, 31, 63 and 65 registrations. He attended the Isenberg School of Business at the University of Massachusetts, where he graduated with honors with a B.S. degree in finance, concentrated in investments.
Born in Virginia, Zach grew up in Leyden, Massachusetts, and moved to the west coast to begin his financial services career in 2009. He and his wife, Cori, live in Thousand Oaks with their son, Evan, and a variety of pets. They enjoy backpacking and traveling in their spare time.
Zach joined Morgan Stanley as a member of the firm’s financial advisor training program in 2009. Upon its completion, he joined Warner Center Wealth Management as a Wealth Management Associate and later became a Financial Advisor, drawing from the vast experience of the team’s senior leaders to develop his skills over his years on the team. Zach has earned the CERTIFIED FINANCIAL PLANNERTM designation, a standard of excellence in the financial planning industry, to supplement his knowledge. He also holds the life, accident and health, and variable life and annuity licenses, as well as the Series 6, 7, 31, 63 and 65 registrations. He attended the Isenberg School of Business at the University of Massachusetts, where he graduated with honors with a B.S. degree in finance, concentrated in investments.
Born in Virginia, Zach grew up in Leyden, Massachusetts, and moved to the west coast to begin his financial services career in 2009. He and his wife, Cori, live in Thousand Oaks with their son, Evan, and a variety of pets. They enjoy backpacking and traveling in their spare time.
Securities Agent: WI, WA, VA, UT, TX, TN, SC, PR, OR, OH, NY, NV, NM, NJ, NC, MT, MO, ME, MD, MA, LA, IL, ID, IA, HI, GA, FL, DE, DC, CO, CA, AZ, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 2507813
CA Insurance License #: CA Insurance License Number: 0G85346
NMLS#: 2507813
CA Insurance License #: CA Insurance License Number: 0G85346
About Christine Freeman
Christine leads all aspects of the team’s business management activities through focused relationship-building and communication with clients, partnering closely with the advisors on client relationships and portfolios. She contributes to portfolio construction and analysis for the team, particularly in socially responsible investing (SRI) and alternative investments. Through deep client relationships Christine helps integrate key client information into the comprehensive wealth management plans that have become the hallmark of the team's successful consultative process.
Christine began her career in financial services as a Morgan Stanley intern while completing her B.S. in business management at California State University, Northridge. Upon graduation, she joined the team full time and has been a vital member of the team ever since. While in college, Christine studied abroad through a program offered by the University of Virginia, in which she traveled to 13 countries as part of an international finance program that focused on economics and geography. To further her industry knowledge, she has earned the Series 7 and 66 securities licenses. Christine was exposed to this career at a young age as her late father was a long time Financial Advisor at Morgan Stanley/Dean Witter.
Christine lives in Thousand Oaks with her partner, dog and cat, and in her free time enjoys hiking, camping and wine tasting with family and friends.
Christine began her career in financial services as a Morgan Stanley intern while completing her B.S. in business management at California State University, Northridge. Upon graduation, she joined the team full time and has been a vital member of the team ever since. While in college, Christine studied abroad through a program offered by the University of Virginia, in which she traveled to 13 countries as part of an international finance program that focused on economics and geography. To further her industry knowledge, she has earned the Series 7 and 66 securities licenses. Christine was exposed to this career at a young age as her late father was a long time Financial Advisor at Morgan Stanley/Dean Witter.
Christine lives in Thousand Oaks with her partner, dog and cat, and in her free time enjoys hiking, camping and wine tasting with family and friends.
About Sogol Danaei
Sogol joined the Warner Center Wealth Management team in 2022 as a Senior Client Service Associate. She leads the team’s client service model and contributes to the team’s deep client relationships and high level of client service. Her responsibilities include client account servicing and communication, money movement, security transactions, and coordinating tax documents. Having spent the last two decades working in customer service, she fully understands the value of providing careful, efficient, and personal service to our clients.
Sogol joined Morgan Stanley in 2020 and brings a wealth of experience from her time at Merrill Lynch prior where she worked from 2016. She attended California State University Northridge for her undergrad degree in Psychology, and attended the University of Southern California graduating with a Masters in health management.
She lives in Woodland Hills with her husband and 3 kids and enjoys going to soccer games, dance recitals, travelling, and spending quality time with family. She is Bilingual and speaks fluent Farsi.
Sogol joined Morgan Stanley in 2020 and brings a wealth of experience from her time at Merrill Lynch prior where she worked from 2016. She attended California State University Northridge for her undergrad degree in Psychology, and attended the University of Southern California graduating with a Masters in health management.
She lives in Woodland Hills with her husband and 3 kids and enjoys going to soccer games, dance recitals, travelling, and spending quality time with family. She is Bilingual and speaks fluent Farsi.
Contact Eric Epstein
Contact David Sinensky
Contact Zachary Lovley
Wealth Management
Global Investment Office
Portfolio Insights
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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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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
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 Warner Center Wealth Management today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan Stanley 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
4Alternative 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.
5Structured 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.
6Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Investing 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.
9Morgan 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
10Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
4Alternative 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.
5Structured 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.
6Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Investing 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.
9Morgan 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
10Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
