Robert Kyle
Executive Director, Financial Advisor, Alternatives Investments Director
Phone:
(610) 260-7684(610) 260-7684
Wendy Masse, CIMA®, CDFA®
Senior Vice President,
Financial Advisor,
Portfolio Management Director
Direct:
(610) 940-4544(610) 940-4544
Industry Award WinnerMy Mission Statement
My team and I are in the business to help improve the financial lives of our clients for generations through creative and focused investment management, wealth planning, and philanthropic services.
About Me
Wendy is a committed advocate for her clients. As a highly regarded investment professional, with over three decades of experience, Wendy makes her client’s goals and objectives a top priority. This begins by asking smart questions and taking the time to listen carefully. Understanding where one’s wealth stands today, and where one desires it to be in the future.
Prior to joining Morgan Stanley in 2018, Wendy spent twenty-six years on the institutional side of the financial services industry with senior roles at Nuveen Investments and Neuberger Berman. Wendy’s clients included top producing financial advisors at firms such as Merrill Lynch, UBS, and Morgan Stanley. In this capacity as a consultant, Wendy had the opportunity to educate and assist financial advisor teams in selecting investment products and strategies for their high-net-worth clients.
Wendy’s decades long career is defined by the deep relationships she has built with her clients. Combining her own experience with the breadth of Morgan Stanley’s investment platforms and intellectual capital, Wendy strives to enhance the lives of those who seek her advice.
Wendy earned her B.S. from Boston University, and her MBA from the American University in Washington D.C. Wendy holds the Certified Investment Management Analyst® (CIMA®) designation administered by the Investments & Wealth Institute and taught in conjunction with The Wharton School at the University of Pennsylvania. Wendy also earned her Certified Divorce Financial Analyst®(CDFA®) designation from the Institute for Divorce Financial Analysts.
In 2026 Wendy was recognized by Forbes on its Best-in-State Top Women Wealth Advisors List and has attained the Pacesetter’s Club at Morgan Stanley from 2020 to 2025.
Top Women Wealth Advisors Best-In-State 2026
Source: Forbes.com (Awarded Feb 2026) Data compiled by SHOOK Research LLC based on time period from 6/30/24 - 6/30/25.
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.
Prior to joining Morgan Stanley in 2018, Wendy spent twenty-six years on the institutional side of the financial services industry with senior roles at Nuveen Investments and Neuberger Berman. Wendy’s clients included top producing financial advisors at firms such as Merrill Lynch, UBS, and Morgan Stanley. In this capacity as a consultant, Wendy had the opportunity to educate and assist financial advisor teams in selecting investment products and strategies for their high-net-worth clients.
Wendy’s decades long career is defined by the deep relationships she has built with her clients. Combining her own experience with the breadth of Morgan Stanley’s investment platforms and intellectual capital, Wendy strives to enhance the lives of those who seek her advice.
Wendy earned her B.S. from Boston University, and her MBA from the American University in Washington D.C. Wendy holds the Certified Investment Management Analyst® (CIMA®) designation administered by the Investments & Wealth Institute and taught in conjunction with The Wharton School at the University of Pennsylvania. Wendy also earned her Certified Divorce Financial Analyst®(CDFA®) designation from the Institute for Divorce Financial Analysts.
In 2026 Wendy was recognized by Forbes on its Best-in-State Top Women Wealth Advisors List and has attained the Pacesetter’s Club at Morgan Stanley from 2020 to 2025.
Top Women Wealth Advisors Best-In-State 2026
Source: Forbes.com (Awarded Feb 2026) Data compiled by SHOOK Research LLC based on time period from 6/30/24 - 6/30/25.
The use of the CDFA® designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney.
Securities Agent: CT, WY, NY, DE, MN, MD, AZ, OK, CA, IN, DC, WA, FL, IL, IA, CO, GA, NV, OR, NJ, WI, TN, VA, OH, NC, AL, TX, SD, RI, MA, UT, SC, PA, NH, MI, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 1780433
NMLS#: 1780433
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
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Our team selects some of the most timely, informative, and personally interesting content to share with you. Check back for new content, and if you are one of our clients, check your inbox for our newsletter.
2024 U.S. Elections: The Impact of Inflation
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Wealth Education for the Next Generation
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Financial planning begins with your financial goals and investment objectives. We aim to tailor all aspects of your financial life to help meet your needs through the many phases of life: moving ahead in your career, enjoying retirement, or somewhere in between.
Wendy holds a Certified Investment Management Analyst (CIMA®) certification which allows her to analyze clients' financial situations comprehensively during the planning process.
Wendy holds a Certified Investment Management Analyst (CIMA®) certification which allows her to analyze clients' financial situations comprehensively during the planning process.
LifeView
LifeView is a suite of planning tools that includes goal-specific analysis that we use with clients to create a realistic, holistic strategy that integrates the various aspects of an individual’s financial life, including investments and cash management needs.
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See Where Your Dollars Are GoingDivorce & Transition
Navigating divorce can be a difficult ordeal. We are here to help with your transition every step of the way. Wendy is a Certified Divorce Financial Analyst (CDFA®) and can help clients make informed decisions related to the division of assets, alimony, child support, and other financial aspects of divorce proceedings. You can begin by exploring the links below.
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 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.
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Divorce can be a lengthy process fraught with both financial and emotional strain as you make important decisions with significant long-term consequences under stressful conditions. But we can help you make it through the process and avoid common mistakes.
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Going through a divorce can be tough enough. Sorting out your finances afterwards can be even tougher. In this episode of What Should I Do With My Money?, guest, Victoria, is recently divorced and looking after her own money again for the first time in a while.
Listen to the PodcastLocation
100 Front St
Ste 600
West Conshohocken, PA 19428
US
Direct:
(610) 940-4544(610) 940-4544
Meet My Team
John Griffin, CFP®, CIMA®
Executive Director, Financial Advisor, Portfolio Management Director, Alternative Investments Director, Family Wealth Director, Global Sports and Entertainment Director
Allison Slobodian, CFP®
Financial Advisor, Financial Planning Specialist
Phone:
(610) 260-7452(610) 260-7452
Carol Kwietnieski
Senior Registered Client Service Associate
Phone:
(610) 260-8640(610) 260-8640
Vince Finley
PWM Registered Client Service Associate
Phone:
(610) 260-7491(610) 260-7491
Susan Dudek
Portfolio Associate
About Robert Kyle
Robert is an Executive Director for Morgan Stanley Wealth Management and is based in West Conshohocken, PA. He has over 28 years’ experience managing client’s portfolios within the Wealth Management field. Robert has spent his entire carrier working with Families and Institutions to construct & manage both Strategic & Tactical allocation models. Those allocations are designed to preserve client’s wealth. Prior to joining Morgan Stanley, Robert had spent the previous five years at Citi Private Bank. There, he was a Director & Investment Counselor, working with Ultra High Net Worth Families, Institutions, as well as partners within Law Firms. Prior to Citi Private Bank, Robert spent almost a decade at Wachovia Wealth Management and Wells Fargo Bank a Senior Investment Manager. During his time at Morgan Stanley, Robert attained the Master's Club in 2020, 2022, 2023, and 2024, as well as the Century Club in 2021.
Robert works with some of this country’s most affluent families and individuals, developing customized & innovative investment strategies using Equities, Fixed Income, Alternative Investments, Real Estate and Private Equity. Robert is committed to providing the highest quality wealth management advice, assisting Families to grow and preserve their assets and achieve proper generational planning for them.
Robert, in working with Ultra High Net Worth Families, has a primary focus on Investment Management, Trust Services, Family Wealth Planning as well as Lending & Banking strategies. Additionally, Robert works closely with, and helps support, Ultra High New Worth Family Offices.
Robert earned his B.S. from St. Joseph's University. While at St. Joseph's, Robert was a member of the Men's Rowing Team (1986-1990). Additionally, he was the men's rowing coach at Loyola College from 1990-1994. Robert was also a co-host of "You & Your Money" (WWLG am-Baltimore), and investment oriented radio show while living in Baltimore, MD in the mid 90's.
Robert, his wife Beth, and their three children reside in Blue Bell, PA. He volunteers his time to Simon's Heart, an organization that raises awareness for heart health for children and young adults, Mt. Saint Joseph's Academy, St. Joseph's Prep as well as with the Philadelphia Scholastic Rowing Association (PSRA).
Robert works with some of this country’s most affluent families and individuals, developing customized & innovative investment strategies using Equities, Fixed Income, Alternative Investments, Real Estate and Private Equity. Robert is committed to providing the highest quality wealth management advice, assisting Families to grow and preserve their assets and achieve proper generational planning for them.
Robert, in working with Ultra High Net Worth Families, has a primary focus on Investment Management, Trust Services, Family Wealth Planning as well as Lending & Banking strategies. Additionally, Robert works closely with, and helps support, Ultra High New Worth Family Offices.
Robert earned his B.S. from St. Joseph's University. While at St. Joseph's, Robert was a member of the Men's Rowing Team (1986-1990). Additionally, he was the men's rowing coach at Loyola College from 1990-1994. Robert was also a co-host of "You & Your Money" (WWLG am-Baltimore), and investment oriented radio show while living in Baltimore, MD in the mid 90's.
Robert, his wife Beth, and their three children reside in Blue Bell, PA. He volunteers his time to Simon's Heart, an organization that raises awareness for heart health for children and young adults, Mt. Saint Joseph's Academy, St. Joseph's Prep as well as with the Philadelphia Scholastic Rowing Association (PSRA).
Securities Agent: LA, DE, HI, CA, WA, SC, GA, PA, IA, AL, CO, WI, NJ, VA, NV, MD, MA, TX, OK, OH, NY, DC, AZ, TN, MS, CT, WY, NC, MI, IN, UT, SD, RI, IL, FL, OR, MT; General Securities Representative; Investment Advisor Representative
About John Griffin, CFP®, CIMA®
John Griffin is an Executive Director, Family Wealth Director, Portfolio Manager and Alternative Investments Director in the Private Wealth Management division of Morgan Stanley. John has worked with successful executives, business owners and entrepreneurs for over 25 years – assisting in the sale of a business, raising capital, preserving assets, investing the proceeds of a transaction and structuring portfolios to help preserve and grow family wealth as well as transfer legacy assets to the next generation or a philanthropic priority.
John has enjoyed the complexity and dedication to this work and clients have benefitted from his tenured experiences trading municipal bonds for a Wall Street firm or leading the investment committee as a trustee of a large university endowment. John’s additional certifications and personal commitment to rigorous continuing education have been hallmarks of his career and impactful to his clients.
John has managed client portfolios through many market cycles - including three previous major corrections - as an Executive Director at Credit Suisse, J.P. Morgan Private Bank and Donaldson, Lufkin and Jenrette. John started his career as a municipal bond trader in NYC at Paine Webber and previously led the private client businesses of Chartwell Investment Partners and Zeke Capital Advisors in Berwyn, PA.
John is very active in Philadelphia based nonprofit organizations. He currently serves on the Board of Independence Blue Cross and Roman Catholic High School. He previously served on the board of St. Joseph’s University and the Philadelphia School Partnership. John graduated magna cum laude with a B.S. from St. Joseph’s University, an MBA from Drexel University and holds the Certified Investment Management Analyst ® certification, administered by the Investment & Wealth Institute and taught in conjunction with the Yale School of Management as well as the Certified Financial Planner ® certification conferred by the Certified Financial Planner Board of Standards . He was previously the successful men’s head basketball coach of Siena College and St. Joseph’s University.
In his spare time, John enjoys golf, spending time with his family and broadcasting college basketball games on TV.
John has enjoyed the complexity and dedication to this work and clients have benefitted from his tenured experiences trading municipal bonds for a Wall Street firm or leading the investment committee as a trustee of a large university endowment. John’s additional certifications and personal commitment to rigorous continuing education have been hallmarks of his career and impactful to his clients.
John has managed client portfolios through many market cycles - including three previous major corrections - as an Executive Director at Credit Suisse, J.P. Morgan Private Bank and Donaldson, Lufkin and Jenrette. John started his career as a municipal bond trader in NYC at Paine Webber and previously led the private client businesses of Chartwell Investment Partners and Zeke Capital Advisors in Berwyn, PA.
John is very active in Philadelphia based nonprofit organizations. He currently serves on the Board of Independence Blue Cross and Roman Catholic High School. He previously served on the board of St. Joseph’s University and the Philadelphia School Partnership. John graduated magna cum laude with a B.S. from St. Joseph’s University, an MBA from Drexel University and holds the Certified Investment Management Analyst ® certification, administered by the Investment & Wealth Institute and taught in conjunction with the Yale School of Management as well as the Certified Financial Planner ® certification conferred by the Certified Financial Planner Board of Standards . He was previously the successful men’s head basketball coach of Siena College and St. Joseph’s University.
In his spare time, John enjoys golf, spending time with his family and broadcasting college basketball games on TV.
Securities Agent: MA, IL, AZ, TX, IN, CA, WY, SD, DE, CT, IA, FL, WA, OH, NV, NC, MI, DC, TN, NJ, PA, CO, VA, SC, MD, HI, RI, GA, UT, OK, NY; General Securities Representative; Investment Advisor Representative
About Allison Slobodian
Allison is a Financial Advisor at Morgan Stanley based in West Conshohocken, PA. Allison has been in the wealth management industry for over 10 years. As a CERTIFIED FINANCIAL PLANNER™, she focuses on creating and monitoring financial plans for clients. Through the planning process, Allison addresses all aspects of clients’ financial lives including asset allocation, cash flow management, insurance planning, tax and estate strategies, philanthropic giving, and family financial education. Prior to this role, Allison was the Financial Planning Director for the Philadelphia Complex at Morgan Stanley.
Allison obtained her BA in Media and Communication Studies at Ursinus College. While at Ursinus, Allison competed on the gymnastics’ team and enjoyed cheering on the Bears as a member of the cheerleading team. Allison holds her Series 6, 7, 63 and 65 licenses as well as her life, accident, and health insurance licenses. Allison is a member of the Fox Chase Cancer Center’s Board of Associates and founded their Young Professional Chapter. She enjoys running, traveling, hiking, reading and trying new restaurants. Allison lives in Wayne, PA with her husband, daughter, and dog, a very active Border Collie named Wyatt.
Allison obtained her BA in Media and Communication Studies at Ursinus College. While at Ursinus, Allison competed on the gymnastics’ team and enjoyed cheering on the Bears as a member of the cheerleading team. Allison holds her Series 6, 7, 63 and 65 licenses as well as her life, accident, and health insurance licenses. Allison is a member of the Fox Chase Cancer Center’s Board of Associates and founded their Young Professional Chapter. She enjoys running, traveling, hiking, reading and trying new restaurants. Allison lives in Wayne, PA with her husband, daughter, and dog, a very active Border Collie named Wyatt.
Securities Agent: TX, MI, SC, NJ, NC, MA, DC, SD, RI, UT, OK, FL, CA, AZ, VA, GA, NV, CO, IA, IL, TN, OH, NY, IN, HI, WA, MD, DE, CT, PA, AL, WY, WI; General Securities Representative; Investment Advisor Representative
About Carol Kwietnieski
Carol joined Morgan Stanley in January, 2009. Previously, she was a Client Associate at Merrill Lynch for 26 years and was a member of the Quarter Century Club. She was a mentor to her fellow Client Associates and trained new hires.
About Vince Finley
As a Private Wealth Management Registered Client Service Associate, Vince is responsible for completing the day-to-day client requests and reporting. In addition, Vince assists with investment due diligence, portfolio construction, and marketing.
Prior to Morgan Stanley Private Wealth Management, Vince worked at Allegis Group as a Treasury Associate. Vince graduated summa cum laude from Loyola University Maryland’s Sellinger School of Business with a BBA in finance. He was a member of the Selinger Scholars Business Honors Program and President of the Investment Club.
Vince currently resides in Philadelphia. In his free time, he enjoys golfing and attending car shows.
Prior to Morgan Stanley Private Wealth Management, Vince worked at Allegis Group as a Treasury Associate. Vince graduated summa cum laude from Loyola University Maryland’s Sellinger School of Business with a BBA in finance. He was a member of the Selinger Scholars Business Honors Program and President of the Investment Club.
Vince currently resides in Philadelphia. In his free time, he enjoys golfing and attending car shows.
Awards and Recognition
Forbes Top Women Wealth Advisors Best-In-State
Forbes Top Women Wealth Advisors Best-In- State Source: Forbes.com (Awarded Feb 2026) Data compiled by SHOOK Research LLC for the period 6/30/24 - 6/30/25.
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Lewis Harrison
Private Banker
About Lewis Harrison
Lewis Harrison is a Private Banker serving Morgan Stanley Wealth Management offices in Pennsylvania.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Lewis began his career in financial services in 2006 and joined Morgan Stanley in 2014 as an Associate Private Banker. Prior to joining the firm, he was an Internal Banking Specialist at the Bank of America/Merrill Lynch. He also served as an Investment Service Advisor with the Merrill Lynch Financial Advisory Center.
Lewis is a graduate of the University of Kansas, where he received a Bachelor of Science in Communications and Economics. While at the University of Kansas, Lewis played guard on the school’s basketball team which reached the Final Four in 2002. He lives in Fort Washington, Pennsylvania with his family. Outside of the office, Lewis supports all Kansas City sports teams, enjoys beach vacations, and spending time with family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Lewis began his career in financial services in 2006 and joined Morgan Stanley in 2014 as an Associate Private Banker. Prior to joining the firm, he was an Internal Banking Specialist at the Bank of America/Merrill Lynch. He also served as an Investment Service Advisor with the Merrill Lynch Financial Advisory Center.
Lewis is a graduate of the University of Kansas, where he received a Bachelor of Science in Communications and Economics. While at the University of Kansas, Lewis played guard on the school’s basketball team which reached the Final Four in 2002. He lives in Fort Washington, Pennsylvania with his family. Outside of the office, Lewis supports all Kansas City sports teams, enjoys beach vacations, and spending time with family and friends.
NMLS#: 807981
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
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 Wendy Masse 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.
2When 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.
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 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
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic 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:
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
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 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
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
