Wesley Crowley
- The Keystone Wealth Management Group - at Morgan Stanley
Our Mission Statement
In life, it's said simplicity is the ultimate sophistication. Our team’s mission is to bring that same principle to your financial life. We strive to provide a second-to-none wealth management approach –– focused on making the complex simple –– so you and your family can enjoy a secure and straightforward financial journey.
Our Story and Services
GLOBAL FRANCHISE
Morgan Stanley serves a global clientele of individuals, families, corporations, endowments, foundations, governments and others through three core businesses:
- Morgan Stanley Wealth Management
- Institutional Securities Group
- Investment Management
Our strength and synergies across each of these businesses not only contributes to the economic vitality and stability of the firm, but also expands the vast resources, experience and global insight that we can offer you.
Morgan Stanley Franchise Power
- $5.1 trillion in AUM
- Total Deposits $351 billion
- Morgan Stanley reported full year net revenues of $54.1 Billion in 2023
- Morgan Stanley's Global employees approximately 80,000
- The Tier 1 risk-based Capital Ratio under U.S. Basel III was approximately 15%
- $314 billion in liquidity reserve
THE KEYSTONE WEALTH MANAGEMENT GROUP
Put simply, we don't just talk about exceptional service –– we strive to deliver it. It's an integral part of our training, because we see it as the bedrock of our team. Of course we're here to listen, educate, and help guide you through life's most important financial decisions. From your retirement, to your legacy. But we're also here to help anticipate your needs. To go above and beyond for your loved ones with a white glove touch. To do whatever it takes in an effort to make you a proud member of The Keystone Wealth Management Group family.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
ALTERNATIVE INVESTMENTS
Morgan Stanley has extensive experience in the alternative investments industry through a strong commitment to managing alternative investment strategies across an established global network.
Kang Su and Bradley are both recognized Alternative Investments Directors and Morgan Stanley Investment Management is a provider of alternative investment strategies with knowledge and experience that spans across private equity, private credit, hedge funds, real estate, infrastructure and managed futures markets. We are here to deliver exceptional portfolios and custom alternative investment programs.
The power of alternative investments derives from their versatility to offer innovative strategies that align with sophisticated investors’ financial goals. Across the variety of available strategies, these can be organized into four core solutions.
Kang Su and Bradley are both recognized Alternative Investments Directors and Morgan Stanley Investment Management is a provider of alternative investment strategies with knowledge and experience that spans across private equity, private credit, hedge funds, real estate, infrastructure and managed futures markets. We are here to deliver exceptional portfolios and custom alternative investment programs.
The power of alternative investments derives from their versatility to offer innovative strategies that align with sophisticated investors’ financial goals. Across the variety of available strategies, these can be organized into four core solutions.
Alternative Investments - Innovative Strategies for Your Portfolio
What if you could tailor your portfolio to your goals while giving your financial strategy an edge? With Alternative Investments, you may be able to achieve this. View the following video to learn more.
Watch The Video Here
Income Generation
Products that seek higher returns/yield and lower volatility versus traditional fixed income investments, with potential for low correlation to stocks and bonds, a reliable current income stream and an inflation hedge.
Growth Orientation
Products that aim to generate excess returns and provide clients with incremental upside potential, wealth accumulation strategies or seek to take advantage of the “illiquidity premium” of private markets.
Tax Advantages
Products designed to help manage yearly tax liability, defer payment of capital gains, harness tax-managed structures or offer a step up in basis and tax advantaged income*
*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. 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.
*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. 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.
Portfolio Diversification
Products that strive to maintain low correlations with traditional equity markets, with potential for lower portfolio volatility, increased risk-adjusted returns and reduced reliance on any one company, sector, country, etc.*
*Diversification does not guarantee a profit or protect against loss in a declining financial market.
*Diversification does not guarantee a profit or protect against loss in a declining financial market.
What Are Alternatives?
Explore investments beyond traditional portfolios. With unmatched experience, scale and reach across our vast global network. Morgan Stanley is an industry leader in alternative investments - providing access to exclusive offerings, preeminent fund managers and innovative investment opportunities. Investments include but are not limited to:*
• Private Equity
• Real Estate & Infrastructure
• Hedge Funds
• Private Credit
• Managed Futures
• Exchange Funds
*Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.
Learn More• Private Equity
• Real Estate & Infrastructure
• Hedge Funds
• Private Credit
• Managed Futures
• Exchange Funds
*Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.
VALUABLE TOOLS AND RESOURCES:
Our extensive range of digital tools aims to improve every aspect of your financial life. Listed below are some of the technologies available for our clients. Additionally, we provide resources that simplify intricate financial analysis and research, making it easily understandable.
On The Markets Research Report
In-depth insights provided by Morgan Stanley's experts on various subjects including worldwide stocks, fixed income, monetary policies, and other relevant topics.
Read The Latest Report
GIC Weekly Research Report
Each week, Lisa Shalett from the Global Investment Committee takes a closer look at the market, asset class performance, and fixed income in our headlines.
Read The Latest Report
Total Wealth View
Enhance your financial outlook with Total Wealth View. Connect your account information to enjoy improved wealth planning, secure data access, and seamless connectivity.
Learn More About Total Wealth View
Online Security Center
At Morgan Stanley, ensuring the safety of your assets and personal information is one of our utmost concerns. Discover the security measures we have in place and take advantage of our resources and insights to effectively safeguard yourself on the internet.
Learn More About Online Security Center
Goals Based Planning
By collaborating with us and utilizing our cutting-edge technology, you can effectively obtain guidance and develop a comprehensive wealth plan. Discover the numerous benefits of leveraging our planning technology to achieve your financial aspirations.
Learn About Our Planning Tools
Morgan Stanley Online
Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App give you quick and convenient access to your investments and everyday finances. With just a few clicks, you can manage your financial matters anytime, anywhere.
Learn More About MSO
2025 Federal Tax Tables
2025 Federal Tax Table to assist you and your family in your investment decisions.
Review 2025 Tax Tables
Common Cents: A Kid’s Guide to Money
Choices on how to spend your disposable income will depend on your current needs and wants. By making more informed purchasing decisions, you can feel good about when you choose to spend your hard earned money and when you opt to save it for something better later on.
Read Here2025 Tax Information
AWARDS & CERTIFICATIONS
Thank you to our valued clients for entrusting us with your financial well-being and our talented team for their hard work and commitment to excellence.
Wesley Crowley Named to 2022 Forbes Best-In-State Wealth Advisors
2022 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Source: Forbes.com (Awarded 2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Alishia Hussain Named to 2022 & 2025 Forbes Top Women Wealth Advisors Best-In-State
2022 & 2025 Forbes Top Women Wealth Advisors Best-In-State
Source: Forbes.com (Awarded Feb 2022 & 2025) Data compiled by SHOOK Research LLC based on time period from 9/30/20 - 9/30/21 & 9/30/23 - 9/30/24.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Source: Forbes.com (Awarded Feb 2022 & 2025) Data compiled by SHOOK Research LLC based on time period from 9/30/20 - 9/30/21 & 9/30/23 - 9/30/24.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Alishia Hussain was Awarded the Five Star Award (2025)
This award was issued in 2025. The award was determined based on an evaluation process conducted by Five Star Professional based on objective criteria from 3/1/25 by Five Star Professional (FSP) for the time period 05/13/2024 through 01/24/2025.
Alishia Hussain Holds the CRPC® Designation
The Chartered Retirement Planning Counselor® (CRPC®) designation is earned from certification through a program focused on the entire retirement planning process, from setting financial goals to helping create income streams and estate planning strategies.
Kang Su and Bradley hold the Alternative Investments Director Desgination
Kang Su and Bradley are both recognized Alternative Investments Directors and Morgan Stanley Investment Management is a provider of alternative investment strategies with knowledge and experience that spans across private equity, private credit, hedge funds, real estate, infrastructure and managed futures markets.
Alishia Hussain and Steven Licciardi Hold the Portfolio Managment Director Designation
Alishia and Steve have been awarded the designation of Portfolio Management Director at Morgan Stanley which is among the highest internal designation for Financial Advisors at the firm who manage client assets on a discretionary basis.
Wesley Crowley Holds the Senior Portfolio Management Director
Wesley has been awarded the designation of Senior Portfolio Management Director at Morgan Stanley which is the highest internal designation for Financial Advisors at the firm who manage client assets on a discretionary basis.
Alishia Hussain and Kang Su Lee Hold the QPFC Designation
Alishia and Kang Su have earned their QPFC designation enabling them to work closely with business owners to help establish the right retirement plan for their organization and employees.
Bradley Forman and Kang Su Lee Hold the Senior Portfolio Manager Designation
The Senior Portfolio Manager works closely with clients to understand their needs while maintaining the focus and discipline necessary to guide their portfolio in the most challenging market cycles. They also develop an investment strategy designed to help produce optimal portfolio performance and track the portfolio's performance relative to the stated objectives, modifying the portfolio on a discretionary basis as the client's needs and circumstances change over time.
Steven Licciardi was the Nominee for the Center for Community Solutions Most Treasured Volunteer Award (2008).Center for Community Solutions Most Treasured Volunteer Award (2008).
Steven Licciardi is the Recipient of the Ohio Association of County Boards of Developmental Disabilities; 2023 Distinguished Service Award
Steven Licciardi was Profiled in WVIZ/Ideastream “Make a Difference” documentary
Steven Licciardi is the Recipient of Cuyahoga County Board of Developmental Disabilities Volunteer of the Year Award (2010).
Steven Licciardi is the Recipient of the West Haven Foundation Board Leadership Award (2009).
Steven Licciardi is the Recipient of the Ohio Provider Resource Association’s Outstanding Volunteer Award (2009).
Cuyahoga County Developmental Disabilities 2025 Hall of Fame, Inductee
Location
200 Public Square
Suite 2600
Cleveland, OH 44114
US
Direct:
(800) 362-1230(800) 362-1230
214 Senate Ave
7th Fl
Camp Hill, PA 17011
US
Direct:
(717) 730-1876(717) 730-1876
100 State Street
Ste 430
Erie, PA 16507
US
Direct:
(814) 871-1865(814) 871-1865
159 Crocker Park Blvd
460
Westlake, OH 44145
US
Direct:
(440) 892-6730(440) 892-6730
Meet - The Keystone Wealth Management Group -
Kang Su Lee
Steven M. Licciardi
Alishia Hussain
Bradley T Forman
Carl J. Rimer
Tj B. Johnson
Michael Brennan
Dominic Najem
Edward Siegler
Susan Silverberg
Susan Silverberg
Vice President, Senior Registered Client Associate
Phone:
(216) 360-4914(216) 360-4914
Patti Braun
Senior Registered Client Associate
Phone:
(216) 523-3084(216) 523-3084
Diane Stazzone
Senior Client Associate
Phone:
(216) 523-3085(216) 523-3085
About Susan Silverberg
Susan Silverberg is a Vice President The Keystone Wealth Management Group at Morgan Stanley in Cleveland, OH. With decades of experience, backed by the resources of a world-class financial institution, Susan works closely with clients and their families to help them confidently navigate every stage of their financial journey.
A University of Maryland graduate, Susan began her career in wealth management with Merrill Lynch in Tyson’s Corner, VA. It was there that she first developed her approach to wealth management that emphasizes trust, education, and long-term relationships. A lifelong Clevelander, she eventually returned to her hometown, joining the local Merrill Lynch office where she was tapped to train new advisors and serve as a representative on the Women’s Exchange. Then, looking to further enhance her offering with advanced wealth management resources, she came on board with Morgan Stanley.
Working with individuals and families at all stages of life, Susan’s primary goal is to financially empower clients so that they can sustain success throughout their life –– even for the next generation. She believes education is a key to accomplish that mission, especially when legacy planning is involved. That’s why she always makes time to explain herself in straightforward terms and answer their questions thoroughly. Bottom line, she believes in helping clients understand the “why” behind their strategies, and helping them make financial decisions in their own best interest. Whether it's planning for retirement, saving for college, or charitable giving –– Susan is committed to helping clients and their families unlock their vision for the future.
Outside the office, Susan lives in Pepper Pike, OH with her husband Richard. Dedicated to her community, she serves on the board of Bellefaire JCB, where she sit on the Development Committee & Finance Committee.. She is also the President of The Partners for the Cleveland Institute of Music. In her free time, she enjoys travel, golf, and staying active outdoors with her family.
A University of Maryland graduate, Susan began her career in wealth management with Merrill Lynch in Tyson’s Corner, VA. It was there that she first developed her approach to wealth management that emphasizes trust, education, and long-term relationships. A lifelong Clevelander, she eventually returned to her hometown, joining the local Merrill Lynch office where she was tapped to train new advisors and serve as a representative on the Women’s Exchange. Then, looking to further enhance her offering with advanced wealth management resources, she came on board with Morgan Stanley.
Working with individuals and families at all stages of life, Susan’s primary goal is to financially empower clients so that they can sustain success throughout their life –– even for the next generation. She believes education is a key to accomplish that mission, especially when legacy planning is involved. That’s why she always makes time to explain herself in straightforward terms and answer their questions thoroughly. Bottom line, she believes in helping clients understand the “why” behind their strategies, and helping them make financial decisions in their own best interest. Whether it's planning for retirement, saving for college, or charitable giving –– Susan is committed to helping clients and their families unlock their vision for the future.
Outside the office, Susan lives in Pepper Pike, OH with her husband Richard. Dedicated to her community, she serves on the board of Bellefaire JCB, where she sit on the Development Committee & Finance Committee.. She is also the President of The Partners for the Cleveland Institute of Music. In her free time, she enjoys travel, golf, and staying active outdoors with her family.
Securities Agent: OR, AL, OH, AZ, WA, TN, NC, CT, SC, PA, NJ, MN, MI, FL, WV, NV, MD, CA, VA, HI, NM, CO, WI, TX, NY, IN, IL, GA, VT, MA; General Securities Representative; Investment Advisor Representative
About Patti Braun
Patti has over 30 years experience in the financial services industry. At Morgan Stanley she serves as a Senior Registered Client Associate for the Keystone Wealth Management Group. She is responsible for all aspects of client service and account support and strives to deliver a positive client experience with each phone call she receives.
Patti and her husband, Wayne, live in Eastlake, Ohio with their dog, Bob Marley, and cat, Lulu.
Patti and her husband, Wayne, live in Eastlake, Ohio with their dog, Bob Marley, and cat, Lulu.
About Diane Stazzone
Diane graduated from Bowling Green State University in 1994 with a Bachelor of Arts in English. She continued her education at Notre Dame College where she earned her teaching certificate. She taught third grade for several years before making a career change to the Financial Service Industry.
In 2012, Diane began her career as a Client Service Associate at Morgan Stanley. In 2020, Diane decided to join Wes, Alishia, and Ned’s team. She looks forward to developing strong personal connections with all of the Keystone Wealth Management Group’s clients. Diane focuses on utilizing her deep job knowledge to deliver exceptional service to clients and their families. Her goal is to make the wealth management process as easy as possible for clients so they can focus on enjoying the life they have worked so hard to achieve. With her efficiency and attention to detail, she excels in handling client concerns to make the entire wealth management process as seamless as possible.
In 2012, Diane began her career as a Client Service Associate at Morgan Stanley. In 2020, Diane decided to join Wes, Alishia, and Ned’s team. She looks forward to developing strong personal connections with all of the Keystone Wealth Management Group’s clients. Diane focuses on utilizing her deep job knowledge to deliver exceptional service to clients and their families. Her goal is to make the wealth management process as easy as possible for clients so they can focus on enjoying the life they have worked so hard to achieve. With her efficiency and attention to detail, she excels in handling client concerns to make the entire wealth management process as seamless as possible.
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
Joshua Gilbert
Private Banker
Tony Gist
Private Banker
Andre Shammo, CFP®, CPWA
Financial Planning Director, Vice President
Mamta Shah
Trust Specialist
About Joshua Gilbert
Joshua Gilbert is a Private Banker serving Morgan Stanley’s Wealth Management offices in Ohio.
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.
Joshua began his career in financial services in 2001 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Banking Client Manager at U.S. Bank. He also held numerous roles with progressive responsibilities at JPMorgan Chase Bank, where he notably served as a Branch Manager.
Joshua currently resides in Cincinnati, Ohio. Outside of the office, Joshua dedicates his time to various civic organizations focused on fostering the well-being of others, such as Lighthouse Youth & Family Services, and the Freestore Foodbank. In his spare time, Joshua enjoys traveling, hiking, skiing, and staying healthy and active.
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.
Joshua began his career in financial services in 2001 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Banking Client Manager at U.S. Bank. He also held numerous roles with progressive responsibilities at JPMorgan Chase Bank, where he notably served as a Branch Manager.
Joshua currently resides in Cincinnati, Ohio. Outside of the office, Joshua dedicates his time to various civic organizations focused on fostering the well-being of others, such as Lighthouse Youth & Family Services, and the Freestore Foodbank. In his spare time, Joshua enjoys traveling, hiking, skiing, and staying healthy and active.
NMLS#: 427087
About Tony Gist
Tony Gist is a Private Banker and Vice President 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.
Tony began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to joining the firm, he held various roles within the Retail Bank industry including Licensed Banker and Branch Manager.
Tony is a graduate of Fairmont State University, where he received a Bachelor of Science with a concentration in Criminal Justice, while also playing football for the Fairmont State Fighting Falcons. He and his family currently reside in York, Pennsylvania.
Outside of the office, he spends time with family whenever possible. He enjoys playing golf, skiing, fishing, watching sports, especially football, and listening to talented musicians across various genres.
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.
Tony began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to joining the firm, he held various roles within the Retail Bank industry including Licensed Banker and Branch Manager.
Tony is a graduate of Fairmont State University, where he received a Bachelor of Science with a concentration in Criminal Justice, while also playing football for the Fairmont State Fighting Falcons. He and his family currently reside in York, Pennsylvania.
Outside of the office, he spends time with family whenever possible. He enjoys playing golf, skiing, fishing, watching sports, especially football, and listening to talented musicians across various genres.
NMLS#: 786299
About Andre Shammo
Andre is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in the Northern Ohio and Western Pennsylvania as well as the Central and Eastern Pennsylvania Markets. He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Andre began his career in financial services in 2017 and joined Morgan Stanley in 2023. Prior to his current position, he was a member of Robert W. Baird’s Wealth Planning team, where he worked with Baird Financial Advisors to deliver financial planning to their clients.
Andre graduated from the University of Wisconsin-Madison with a degree in Personal Finance and holds his CERTIFIED FINANCIAL PLANNER™ and Certified Personal Wealth Advisor designations. Andre lives in Chicago, Illinois and grew up in Milwaukee, WI. Outside of work, Andre enjoys reading, watching and playing sports as well as traveling in his free time.
Andre began his career in financial services in 2017 and joined Morgan Stanley in 2023. Prior to his current position, he was a member of Robert W. Baird’s Wealth Planning team, where he worked with Baird Financial Advisors to deliver financial planning to their clients.
Andre graduated from the University of Wisconsin-Madison with a degree in Personal Finance and holds his CERTIFIED FINANCIAL PLANNER™ and Certified Personal Wealth Advisor designations. Andre lives in Chicago, Illinois and grew up in Milwaukee, WI. Outside of work, Andre enjoys reading, watching and playing sports as well as traveling in his free time.
About Mamta Shah
Mamta Shah is the Trust Specialist based in Chicago, covering the Midwest Region. Morgan Stanley provides a full array of personal and institutional trust services to high net worth clients of the firm. Mamta’s responsibilities include educating Financial Advisors and their clients on the open architecture trust service model and helping them identify opportunities to leverage the trust partners on the platform.
Before joining Trust Services in 2010, she was the Wealth Analyst with the Chicago based Wealth Planning Center at Morgan Stanley. Mamta was responsible for providing information and education on a full range of income and estate tax topics and concerns.
Prior to joining the Planning Center team in 2006, Mamta was Vice President of an Independent Investment Advisory Firm. She worked closely with the clients of the firm on a variety of financial planning and investment advisory services.
Mamta obtained her bachelor’s degree from Babson College with a major in Finance/Entrepreneurship. Mamta is a licensed CPA and holds a CFP® designation, She has been in the financial services industry since 1999. She is Series 7, 63, 65 and life/health insurance licensed. She is a member of the AICPA and the Illinois CPA Society. She lives in Chicago with her family.
Before joining Trust Services in 2010, she was the Wealth Analyst with the Chicago based Wealth Planning Center at Morgan Stanley. Mamta was responsible for providing information and education on a full range of income and estate tax topics and concerns.
Prior to joining the Planning Center team in 2006, Mamta was Vice President of an Independent Investment Advisory Firm. She worked closely with the clients of the firm on a variety of financial planning and investment advisory services.
Mamta obtained her bachelor’s degree from Babson College with a major in Finance/Entrepreneurship. Mamta is a licensed CPA and holds a CFP® designation, She has been in the financial services industry since 1999. She is Series 7, 63, 65 and life/health insurance licensed. She is a member of the AICPA and the Illinois CPA Society. She lives in Chicago with her family.
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
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.
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.
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 trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley 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.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
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.
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.
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 trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley 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.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
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
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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.
2Morgan 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
3Morgan 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.
4When 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Morgan 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.
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
2Morgan 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
3Morgan 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.
4When 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Morgan 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.
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)
