Lowry West, CFP®
Managing Director, Private Wealth Management, Private Wealth Advisor
Phone:
(206) 628-4404(206) 628-4404
Morgan Stanley Private Wealth Management
West Henderson Romano Group
Direct:
(206) 344-3509(206) 344-3509
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
WELCOME
As Morgan Stanley Private Wealth Advisors, we combine our own talents and experience with the vast resources of a global financial services firm to address the planning, governance, liability management and investing needs of ultra high net worth families, their businesses and philanthropic enterprises. We take a holistic approach that is grounded in investment strategy, but covers virtually every aspect of your financial life: risk management, liabilities, trusts and estate structures and even family dynamics and lifestyle management issues. Our goal is to help preserve and grow your financial, family and social capital so that it can have the greatest positive impact today and for generations to come.
We look forward to learning more about you and your family, and discussing the resources we can place at your disposal.
We look forward to learning more about you and your family, and discussing the resources we can place at your disposal.
Capabilities
- Comprehensive Wealth Planning
- Tax, Trust & Estate AdvisoryFootnote1
- Consolidated Reporting
- Pre-Liquidity Planning
- Investment Management
- Open-Architecture Platform
- Hedging Strategies
- Family Governance & Wealth Education
- Philanthropic ManagementFootnote2
- Tailored LendingFootnote3
- Endowments and FoundationsFootnote4
- Cash ManagementFootnote5
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
About PWM
Founded in 1977, Private Wealth Management is the division of Morgan Stanley Wealth Management that is dedicated to serving the firm’s most affluent clients, including some of the world’s most accomplished entrepreneurs, executives and stewards of multigenerational wealth. Functioning as an exclusive investment boutique within a global financial firm, we deliver sophisticated solutions that leverage the intellectual capital and insight of Morgan Stanley’s substantial global resources. Drawing on a deep understanding of your financial life, our goal is to help you:
- Manage investments with an unwavering focus on your financial strategy and personal goals
- Create comprehensive, multigenerational wealth management plans based on your needs, challenges and the values that guide your life and legacy
- Simplify financial complexity to help you achieve clarity and control
Private Wealth Management Highlights
- Approximately 300 teams1 specialized in assisting individuals and families with $20MM+ in investable assets
- Over $775 billion in AUM1
- Comprising 25% of the Barron’s Top 100 Financial Advisors list for 2023
- Direct access to ultra high net worth experts in philanthropy, family dynamics, wealth transfer, lifestyle advisory and other areas of interest to ultra high net worth families
1 Morgan Stanley Wealth Management, December, 2023
Source: Barron's.com (April 2023) 2023 Barron's Top 100 Financial Advisors awarded in 2023. This ranking was determined based on an evaluation process conducted by Barron's during the period from Dec 2020 - Dec 2021. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of Barron's and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
Approach
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Our Clients
Our client families have all created significant wealth and, in the process, have generated exciting opportunities and formidable challenges for themselves and future generations of their families. Some of these challenges are unique to each family, others are shared by many highly affluent families, and several are associated with the manner in which they earned their wealth:
Entrepreneurs and Business Owners
Entrepreneurs and Business Owners across a broad range of industries at various levels of experience: Working with dynamic clients at every stage of their entrepreneurial journey, we craft highly customized plans designed to support the growth of their businesses and potentially maximize the after-tax proceeds from its success.
Learn More.Senior Executives
Senior Executives who have complex incentive compensation packages and concentrated equity positions in public companies: We help these clients create and implement tax-efficient strategies to diversify their positions and realign their portfolios to support their multigenerational goals. Understanding that their personal, business and civic commitments leave little time to focus on their personal finances, we work to simplify their financial lives.
Learn More.Stewards of Family Wealth
Stewards of Family Wealth who are building on the financial, social and philanthropic legacies of earlier generations: In addition to creating highly customized strategies to help you preserve and prudently grow wealth, we offer access to professionals in family governance, philanthropy, wealth transfer and a broad array of lifestyle-enhancing services.
Learn More.Location
601 Union Street
Suite 5200
Seattle, WA 98101
US
Direct:
(206) 344-3509(206) 344-3509
Meet West Henderson Romano Group
Executive Director, Private Wealth Management, Private Wealth Advisor, Senior Portfolio Manager, Family Wealth Director, Alternative Investments Director
Phone:
(206) 344-3509(206) 344-3509
Executive Director, Private Wealth Management, Financial Advisor, Senior Portfolio Manager, Alternative Investments Director
Phone:
(206) 344-3507(206) 344-3507
Jan Pekalski
Vice President, Group Director
Phone:
(206) 628-4407(206) 628-4407
Naomi Kim
Director of Business Strategy
Phone:
(206) 343-2774(206) 343-2774
James Neill
Private Wealth Management Associate
Phone:
(206) 628-8861(206) 628-8861
Brian Zajac
Senior Registered Client Service Associate
Phone:
(206) 343-2778(206) 343-2778
About Lowry West
Lowry is a Managing Director and Private Wealth Advisor with Morgan Stanley Private Wealth Management. He has been providing comprehensive financial advice to high net worth families for over 30 years. Lowry and his team develop customized wealth management plans for highly affluent families, entrepreneurs, private business owners, and public company executives.
Lowry began his career in the financial services industry in 1992 with Paine Webber, joining Morgan Stanley in 1999. Before entering the financial services industry, he served as a Certified Public Accountant with Deloitte & Touche in Seattle, WA.
Lowry holds the CERTIFIED FINANCIAL PLANNER™ designation. He received his undergraduate degree in Business & Accounting from the University of Washington in 1989. Lowry has been recognized as one of the 2024 Barron's Top 1,200 Financial Advisors as well as the 2025 Forbes Best-in-State Wealth Advisors. He resides in Seattle with his wife and two daughters.
Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24
Lowry began his career in the financial services industry in 1992 with Paine Webber, joining Morgan Stanley in 1999. Before entering the financial services industry, he served as a Certified Public Accountant with Deloitte & Touche in Seattle, WA.
Lowry holds the CERTIFIED FINANCIAL PLANNER™ designation. He received his undergraduate degree in Business & Accounting from the University of Washington in 1989. Lowry has been recognized as one of the 2024 Barron's Top 1,200 Financial Advisors as well as the 2025 Forbes Best-in-State Wealth Advisors. He resides in Seattle with his wife and two daughters.
Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24
Securities Agent: TN, UT, VI, WV, WY, AK, AZ, CA, CO, CT, DC, DE, FL, HI, ID, IL, LA, MA, MD, MI, NC, NJ, NV, NY, OH, OK, OR, SC, TX, VA, VT, WA, WI, MT, AL, AR, GA, IA, IN, KS, KY, ME, MN, MO, MS, ND, NE, NH, NM, PA, PR, RI, SD; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282467
NMLS#: 1282467
About Timothy Henderson
Timothy Henderson is an Executive Director and Private Wealth Advisor with Morgan Stanley Private Wealth Management. He brings more than two decades of sophisticated investing and wealth planning experience to the service of his team’s clients. Tim and his team develop customized wealth management solutions for highly affluent families, not-for-profit entities, and private business owners. In addition to managing discretionary client portfolios, Tim works closely with self-directed clients in the execution of opportunistic investment strategies and helping develop tailored lending and credit solutions.
Prior to Morgan Stanley, Tim was with JPMorgan’s Private Bank where he partnered with Steve Romano to run the ultra-high net worth investment practice in Seattle. He started his career at Goldman Sachs in the San Francisco Bay Area in a corporate and ventures services group, advising venture capital firms on their portfolio holdings, before moving into Private Wealth Management in 2001.
Tim is a CFA Charterholder and a member of the CFA Institute and the CFA Society of Seattle. He earned his BBA in accounting from Gonzaga University in 2000 and remains actively involved in the school, mentoring undergraduate students. He is involved with a number of nonprofit groups in Seattle, including Friends of the Children and the Washington State Opportunity Scholarship. Tim lives in Seattle with his wife and three children.
Prior to Morgan Stanley, Tim was with JPMorgan’s Private Bank where he partnered with Steve Romano to run the ultra-high net worth investment practice in Seattle. He started his career at Goldman Sachs in the San Francisco Bay Area in a corporate and ventures services group, advising venture capital firms on their portfolio holdings, before moving into Private Wealth Management in 2001.
Tim is a CFA Charterholder and a member of the CFA Institute and the CFA Society of Seattle. He earned his BBA in accounting from Gonzaga University in 2000 and remains actively involved in the school, mentoring undergraduate students. He is involved with a number of nonprofit groups in Seattle, including Friends of the Children and the Washington State Opportunity Scholarship. Tim lives in Seattle with his wife and three children.
Securities Agent: MO, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, OH, VT, WA, WI, WV, WY, MS, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 837103
NMLS#: 837103
About Stephen Romano
Stephen Romano is an Executive Director and Private Wealth Advisor with Morgan Stanley Private Wealth Management. Drawing on four decades of institutional investing and wealth planning experience, Stephen and his team develop customized wealth management solutions for family offices, public-company executives and private business owners, as well as foundations and endowments.
Prior to Morgan Stanley, Steve spent a decade with the J.P. Morgan Private Bank in Seattle, where he partnered with Tim Henderson to run the ultra-high net worth investment practice. Steve began his career in 1981 in commercial banking with Manufacturers Hanover Trust Company in New York, followed by institutional fixed income sales with Salomon Brothers. He returned to Seattle in 1990 to join Sirach Capital Management as a Principal and Portfolio Manager. In 2004, he became Chief Investment Officer of a large private foundation before moving into private wealth management.
Steve attended Lakeside School in Seattle and earned a B.A. in economics from Boston College in 1981. He is a CFA Charterholder as well as a member of the CFA Institute and the CFA Society of Seattle. In his downtime, Steve enjoys competitive tennis and skiing with his wife, Juliet, and their three grown children.
Prior to Morgan Stanley, Steve spent a decade with the J.P. Morgan Private Bank in Seattle, where he partnered with Tim Henderson to run the ultra-high net worth investment practice. Steve began his career in 1981 in commercial banking with Manufacturers Hanover Trust Company in New York, followed by institutional fixed income sales with Salomon Brothers. He returned to Seattle in 1990 to join Sirach Capital Management as a Principal and Portfolio Manager. In 2004, he became Chief Investment Officer of a large private foundation before moving into private wealth management.
Steve attended Lakeside School in Seattle and earned a B.A. in economics from Boston College in 1981. He is a CFA Charterholder as well as a member of the CFA Institute and the CFA Society of Seattle. In his downtime, Steve enjoys competitive tennis and skiing with his wife, Juliet, and their three grown children.
Securities Agent: MS, NC, ND, NE, NH, NJ, NM, NV, NY, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, MN, MI, ME, MD, MT, MA, LA, KY, KS, IN, IL, OH, ID, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, AK, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 837101
NMLS#: 837101
About Jan Pekalski
Jan began his career at Morgan Stanley in 2004, initially with an institutional team serving foundations and endowments. He joined our team in 2007 and his responsibilities include investment product research, portfolio construction analysis, performance reporting, and cash flow modeling.
Jan received his Bachelor of Arts degree in Finance from the University of Washington in 2005. He and his wife live in Issaquah, WA with their dog, LuLu, and they enjoy hiking in the Pacific Northwest.
Jan received his Bachelor of Arts degree in Finance from the University of Washington in 2005. He and his wife live in Issaquah, WA with their dog, LuLu, and they enjoy hiking in the Pacific Northwest.
Contact Lowry West
Contact Timothy Henderson
Contact Stephen Romano
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
Jonathan Chen
Private Banker
About Jonathan Chen
Jonathan Chen is a Private Banker serving Morgan Stanley Private Wealth Management in the San Francisco, Menlo Park, and Los Angeles area. He previously served as a Private Banker in the Pacific Northwest – Seattle, WA.
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.
Jonathan began his career in financial services in 2004 and joined Morgan Stanley in 2014. Prior to joining the firm, he was a Citigold Relationship Manager at Citibank. He also served as a Premier Client Manager and a Branch Manager at Bank of America.
Jonathan is a Bay Area native and currently resides in Union City, CA with his wife and two children. Outside of the office, he enjoys traveling, playing golf and watching sports.
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.
Jonathan began his career in financial services in 2004 and joined Morgan Stanley in 2014. Prior to joining the firm, he was a Citigold Relationship Manager at Citibank. He also served as a Premier Client Manager and a Branch Manager at Bank of America.
Jonathan is a Bay Area native and currently resides in Union City, CA with his wife and two children. Outside of the office, he enjoys traveling, playing golf and watching sports.
NMLS#: 765586
Wealth Management
Global Investment Office
Portfolio Insights
Managing Significant Wealth
- Investment Management
- Wealth Transfer & Philanthropy
- Cash Management & Lending
- Family Governance & Wealth Education
- Lifestyle Advisory
- Business Services
Funding Climate Action: Pathways for Philanthropy
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Insights and Outcomes
Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
Private Wealth Management Podcast
Bringing you engaging stories and key insights surrounding the complexities associated with significant wealth, including:
- Intergenerational Planning
- Philanthropic Giving
- Non-Traditional Assets
- Managing Family Wealth
LISTEN | Passion Assets: Investing in Art
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We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Smith Barney LLC and its affiliates and their employees (including Financial Advisors and Private Wealth Advisors) are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.
2Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
3Tailored Lending is a loan/line of credit product offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. A Tailored Lending credit facility may be a committed or demand loan/line of credit. All Tailored Lending loans/lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Tailored Lending loans/lines of credit may not be available in all locations. Rates, terms, and programs are subject to change without notice. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is a Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. The proceeds from a Tailored Lending loan/line of credit (including draws and other advances) may not be used to purchase, trade, or carry margin stock; repay margin debt that was used to purchase, trade, or carry margin stock; and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
4Morgan 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.
5Morgan 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
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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 Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
See the Financial Advisors Biographies for Registration and Licensing information.
Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
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
Awards Disclosures
1Morgan Stanley Smith Barney LLC and its affiliates and their employees (including Financial Advisors and Private Wealth Advisors) are not in the business of providing tax or legal advice. These materials and any statements contained herein should not be construed as tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning.
2Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
3Tailored Lending is a loan/line of credit product offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. A Tailored Lending credit facility may be a committed or demand loan/line of credit. All Tailored Lending loans/lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Tailored Lending loans/lines of credit may not be available in all locations. Rates, terms, and programs are subject to change without notice. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is a Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. The proceeds from a Tailored Lending loan/line of credit (including draws and other advances) may not be used to purchase, trade, or carry margin stock; repay margin debt that was used to purchase, trade, or carry margin stock; and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
4Morgan 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.
5Morgan 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
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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 Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
See the Financial Advisors Biographies for Registration and Licensing information.
Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
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
Awards Disclosures
CRC 6295606 (3/2024)