Scott Gross
Associate Vice President, Financial Advisor
Phone:
(775) 982-8677(775) 982-8677
William Creekbaum, CFP®, CIMA®, CRPS®
Executive Director,
Financial Advisor,
Corporate Retirement Director,
CERTIFIED FINANCIAL PLANNER®,
Portfolio Management Director,
Financial Wellness Director
Direct:
(775) 823-8645(775) 823-8645
Toll-Free:
(800) 755-6635(800) 755-6635
My Mission Statement
Helping clients with their personalized investment and financial
strategies
strategies
Welcome
William (Bill) Creekbaum, CFP®, CIMA®, CRPS® is a Corporate Retirement Director and Financial Wellness Director with Morgan Stanley for 30 years all in the Northern Nevada Area. He has been a Masters Club Member from 2010-2025 and was named on Forbes Best in State Wealth Advisors 2022.
Prior to Morgan Stanley, Bill served eight years as a Captain in the U.S. Marine Corps., serving in several countries making use of his skills in long-range strategic planning, human relations, management, and operations. Bill received the Navy Achievement Medal, and a top-secret clearance while serving as an aide to a Major General. Bill graduated from the University of Southern California and received his Master of Business Administration (Finance) degree from the University of Nevada, Reno. Bill received his Certified Investment Management Analyst from The Wharton School of Business at the University of Pennsylvania.
Bill is originally from Virginia and has resided in Reno, Nevada for 30 years with his wife Laurie and their three daughters, Delaney, Katie, & Madelyn. Bill enjoys reading, running, and skiing and most importantly spending time with family. Bill has run in over 28 marathons and is an Abbott World Marathon Majors Six Star Medalists. Bill has run in the Boston Marathon (7 times), NYC Marathon (2 times), Chicago Marathon, London Marathon, Berlin Marathon, Tokyo Marathon, LA Marathon (3 times), Marine Corps Marathon, Disney Marathon and California International Marathon.
Bill also spends his time volunteering and being a member of the Northern Nevada community. Bill is currently a board member of University of Nevada, Reno Foundation Planned Giving Advisory Committee (Past Chairman), Estate Planning Council of Northern Nevada (Past President), Rotary Club of Reno (Past President) and USC Alumni Club of Northern Nevada (board member). Bill has a passion to help and strengthen his community through philanthropy and leadership with causes that matter most to him and his family.
Disclosures:
Morgan Stanley Wealth Management Masters Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Masters Club membership is no guarantee of future performance.
2022 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21. Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure/
Prior to Morgan Stanley, Bill served eight years as a Captain in the U.S. Marine Corps., serving in several countries making use of his skills in long-range strategic planning, human relations, management, and operations. Bill received the Navy Achievement Medal, and a top-secret clearance while serving as an aide to a Major General. Bill graduated from the University of Southern California and received his Master of Business Administration (Finance) degree from the University of Nevada, Reno. Bill received his Certified Investment Management Analyst from The Wharton School of Business at the University of Pennsylvania.
Bill is originally from Virginia and has resided in Reno, Nevada for 30 years with his wife Laurie and their three daughters, Delaney, Katie, & Madelyn. Bill enjoys reading, running, and skiing and most importantly spending time with family. Bill has run in over 28 marathons and is an Abbott World Marathon Majors Six Star Medalists. Bill has run in the Boston Marathon (7 times), NYC Marathon (2 times), Chicago Marathon, London Marathon, Berlin Marathon, Tokyo Marathon, LA Marathon (3 times), Marine Corps Marathon, Disney Marathon and California International Marathon.
Bill also spends his time volunteering and being a member of the Northern Nevada community. Bill is currently a board member of University of Nevada, Reno Foundation Planned Giving Advisory Committee (Past Chairman), Estate Planning Council of Northern Nevada (Past President), Rotary Club of Reno (Past President) and USC Alumni Club of Northern Nevada (board member). Bill has a passion to help and strengthen his community through philanthropy and leadership with causes that matter most to him and his family.
Disclosures:
Morgan Stanley Wealth Management Masters Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Masters Club membership is no guarantee of future performance.
2022 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21. Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure/
Services Include
- Wealth ManagementFootnote1
- Retirement PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Qualified Retirement PlansFootnote4
- Alternative InvestmentsFootnote5
- Business Succession PlanningFootnote6
- Cash ManagementFootnote7
- Defined Contribution PlansFootnote8
- Endowments and FoundationsFootnote9
- Financial PlanningFootnote10
- Long Term Care InsuranceFootnote11
- Municipal BondsFootnote12
- Philanthropic Services
- Planning for Education FundingFootnote13
- Planning for Individuals with Special Needs
- Sustainable InvestingFootnote14
Securities Agent: HI, WA, NC, MA, PA, ID, VA, NY, TX, SC, NM, AZ, OR, MO, MI, FL, CA, UT, GA, OH, SD, NV, MS, CO; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1282443
CA Insurance License #: OB47771
NMLS#: 1282443
CA Insurance License #: OB47771
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Your Goals. Your Priorities. Your Future.
Whether you're planning for retirement, managing wealth across generations, or overseeing institutional assets, our approach starts with understanding what matters most to you.
Experience, Education, and Recognition
Professional designations and industry recognitions can provide additional insight into an advisor's experience, continued education, and commitment to serving clients. Designations reflect specialized training in areas such as retirement planning, investment management, and wealth strategies, while awards often recognize professional excellence, leadership, and long-standing client relationships.
While no credential or recognition alone defines an advisor, together they help demonstrate a dedication to growth, knowledge, and delivering a thoughtful client experience.
Education & Experience
William Creekbaum, CFP®, CIMA®, CRPS®, a former professional logistics officer. Bill served eight years as a Captain in the U.S. Marine Corps., several countries making use of his skills in long-range strategic planning, human relations, management and operations. Bill received the Navy Achievement Medal, and a top-secret clearance while serving as an aide to a Major General
William Creekbaum, CFP®, CIMA®, CRPS®
Bill graduated from the University of Southern California and received his Master of Business Administration (Finance) degree from the University of Nevada, Reno.
Since then, Bill attended The Wharton School of Business of the University of Pennsylvania’s Investment Management Analyst Program and received the Certified Investment Management Analyst®, the Qualified Plan Financial Consultant, Chartered Retirement Plan Specialist®, Certified Financial Planner™ designations.
Since then, Bill attended The Wharton School of Business of the University of Pennsylvania’s Investment Management Analyst Program and received the Certified Investment Management Analyst®, the Qualified Plan Financial Consultant, Chartered Retirement Plan Specialist®, Certified Financial Planner™ designations.
United States Marine Corps
Captain -Logistics and Infantry
1986-1994
1986-1994
University of Southern California
1990
University of Nevada, Reno
MBA- Finance
1995
1995
Certified Investment Management Analyst®
Wharton School of Business University of Pennsylvania 2001
Certified Financial Planner™
Sponsored by The College for Financial Planning
1999
1999
Chartered Retirement Plans Specialist®
Sponsored by The College for Financial Planning
2012
2012
William Creekbaum, CFP®, CIMA®, CRPS®
As an Executive Director, Financial Advisor, Senior Investment Management Consultant, Portfolio Management Director, Corporate Retirement Director, Financial Wellness Director. Bill Creekbaum's mission is to provide every client with sophisticated, comprehensive financial advice and investment management strategies – delivered with the highest level of personal service and professional integrity. However, the trust and confidence clients place in Bill and his Team are among the most important factors as a recipient of these recognitions and awards.
Named Morgan Stanley Wealth Management Master's Club
Master's Club
2009, 2010, 2011, 2012, 2013,2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025
2009, 2010, 2011, 2012, 2013,2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025
Named Morgan Stanley Wealth Management President's Club
President’s Club
2003, 2004, 2005, 2006, 2007, 2008
2003, 2004, 2005, 2006, 2007, 2008
Named Morgan Stanley Wealth Management Century Club
Century Club
1999, 2000, 2001, 2002
1999, 2000, 2001, 2002
Location
5390 Kietzke Lane
Suite 200
Reno, NV 89511
US
Direct:
(775) 823-8645(775) 823-8645
Toll-Free:
(800) 755-6635(800) 755-6635
Fax:
(775) 329-9578(775) 329-9578
Meet My Team
Brayden Fiorillo, QPFC® (Qualified Plan Financial Consultant)
Registered Client Services Associate
Phone:
(775) 823-8644(775) 823-8644
Laurie Creekbaum
Client Service Associate
Phone:
(775) 982-8629(775) 982-8629
About Scott Gross
Scott is a Financial Advisor in Reno and a former Assistant Branch Manager with Morgan Stanley, bringing more than 20 years of industry experience. He began his financial advising career in 1999 after being asked to step away from a successful C-suite path in Southwest Ohio to help manage the estates of two families. In 2002, Scott transitioned to Morgan Stanley to broaden his ability to support clients with their financial needs.
Scott earned a Bachelor of Science from Miami University with a double major in Accounting and Finance and a minor in History. He also received his MBA from Miami University in 1999 while serving as a corporate officer (Director of Stores) for a regional department store organization, where he was responsible for store-side budgeting for a business generating approximately $700 million in annual sales at the time.
Originally from Southwest Ohio, Scott lives in Reno with his wife, Kimberly. Together they have three children—daughters Morgan and Jordan, who moved across the country after playing college softball, and son Jacob, a U.S. Marine who now lives out of state with his wife. Scott and Kimberly are grateful to have welcomed a new grandchild and hope to grow their family further in the years ahead.
Outside the office, Scott is active in the community and is often volunteering through his church or supporting youth athletics. He has coached basketball, baseball, soccer, and softball, and he is passionate about helping others—values he’s proud to see reflected in his children as they give back in their own communities.
Scott earned a Bachelor of Science from Miami University with a double major in Accounting and Finance and a minor in History. He also received his MBA from Miami University in 1999 while serving as a corporate officer (Director of Stores) for a regional department store organization, where he was responsible for store-side budgeting for a business generating approximately $700 million in annual sales at the time.
Originally from Southwest Ohio, Scott lives in Reno with his wife, Kimberly. Together they have three children—daughters Morgan and Jordan, who moved across the country after playing college softball, and son Jacob, a U.S. Marine who now lives out of state with his wife. Scott and Kimberly are grateful to have welcomed a new grandchild and hope to grow their family further in the years ahead.
Outside the office, Scott is active in the community and is often volunteering through his church or supporting youth athletics. He has coached basketball, baseball, soccer, and softball, and he is passionate about helping others—values he’s proud to see reflected in his children as they give back in their own communities.
Securities Agent: MI, NY, VA, FL, NV, MS, WA, UT, TX, SD, NC, MO, OR, ID, HI, GA, CO, CA, NM, SC, OH, MA, AZ, PA; BM/Supervisor; General Securities Principal; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
CA Insurance License #: #OE27519
CA Insurance License #: #OE27519
About Brayden Fiorillo
Brayden Fiorillo is a Registered Client Service Associate at Morgan Stanley, providing responsive, detail-oriented client service and operational support for The Reno Group. He supports both wealth management clients and retirement plan relationships, partnering with clients on onboarding, account servicing, and ongoing administrative needs. A Reno native, Brayden earned a B.S. in Finance and an A.A. in Economics from the University of Nevada, Reno. Brayden holds the Qualified Plan Financial Consultant (QPFC) designation, and the Life and Health Insurance license.
About Laurie Creekbaum
Laurie Creekbaum is our new Client Service Associate and is looking forward to helping you address your financial needs. She has a background as a dental hygienist and is excited to transition into the finance world. She has lived in Reno for over 25 years and keeps busy with her family and participating in the many outdoor activities that Reno area has to offer.
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
Kevin Cueva
Private Banker
Gail G. Brown, CFP®
Financial Planning Director, Assistant Vice President
About Kevin Cueva
Kevin Cueva is a Private Banker serving Morgan Stanley Wealth Management offices in California and Nevada.
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.
Kevin began his career in financial services in 2012 and joined Morgan Stanley in 2022. Prior to being promoted to his current role, he served as an Associate Private Banker supporting Wealth Management offices in California and Hawaii. Before joining the firm, Kevin was a Private Client Advisor at JPMorgan Chase.
Kevin received a Bachelor of Arts in Communications at the University of California, Davis. He resides in California with his family. Outside of the office, Kevin enjoys traveling and playing different 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.
Kevin began his career in financial services in 2012 and joined Morgan Stanley in 2022. Prior to being promoted to his current role, he served as an Associate Private Banker supporting Wealth Management offices in California and Hawaii. Before joining the firm, Kevin was a Private Client Advisor at JPMorgan Chase.
Kevin received a Bachelor of Arts in Communications at the University of California, Davis. He resides in California with his family. Outside of the office, Kevin enjoys traveling and playing different sports.
NMLS#: 949442
About Gail G. Brown
Gail G. Brown is an assistant vice president and financial planning director serving Morgan Stanley Wealth Management offices in Central California and Las Vegas. She is responsible for helping financial advisors with their clients’ and prospects’ financial planning needs.
Gail began her career in financial services in 2005 and joined Morgan Stanley in 2016. Prior to her current position, she worked in an array of financial services areas, including lending, business banking, risk management and investment advisory. Her broad experience has demonstrated to her the importance of developing a financial plan that ensures all aspects of a client’s financial world align and complement one another.
Gail graduated from the University of Nevada Las Vegas and holds her CERTIFIED FINANCIAL PLANNER™ and Certified Personal Wealth Advisor® designations.
Gail is a native of Las Vegas and enjoys serving on the board of the local Summerlin Rotary Club. She loves international travel adventures where she can immerse herself in other cultures, camping and getting her hands dirty in her home garden. Gail truly enjoys her work; she finds purpose in providing clarity and peace of mind to clients and their families.
DISCLOSURE:
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.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
Gail began her career in financial services in 2005 and joined Morgan Stanley in 2016. Prior to her current position, she worked in an array of financial services areas, including lending, business banking, risk management and investment advisory. Her broad experience has demonstrated to her the importance of developing a financial plan that ensures all aspects of a client’s financial world align and complement one another.
Gail graduated from the University of Nevada Las Vegas and holds her CERTIFIED FINANCIAL PLANNER™ and Certified Personal Wealth Advisor® designations.
Gail is a native of Las Vegas and enjoys serving on the board of the local Summerlin Rotary Club. She loves international travel adventures where she can immerse herself in other cultures, camping and getting her hands dirty in her home garden. Gail truly enjoys her work; she finds purpose in providing clarity and peace of mind to clients and their families.
DISCLOSURE:
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.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
NMLS#: 693330
CA Insurance License #: 0M34241
CA Insurance License #: 0M34241
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
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.
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.
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
Iran Conflict: Seven Takeaways for Investors
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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
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
Small Business Retirement Plans
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact William Creekbaum today.
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.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
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.
5Alternative 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.
6Morgan 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.
7Morgan 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
8When 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.
9Morgan 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.
10Morgan 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
13When 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.
14Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
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.
5Alternative 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.
6Morgan 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.
7Morgan 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
8When 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.
9Morgan 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.
10Morgan 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
13When 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.
14Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
