Mamta Shah
Trust Specialist
Zachary Winning, CFA®
Financial Advisor,
Chartered Financial Analyst,
Financial Planning Specialist
Direct:
(937) 431-7876(937) 431-7876
My Mission Statement
To help real estate professionals and investors make confident capital decisions through coordinated lending and wealth strategies—so they can grow sustainably, manage risk, and stay aligned with their long-term plan.
CFA®-Led Planning for Real Estate Professionals
Real estate creates opportunity—but it also creates complexity: uneven cash flow, taxes, timing, leverage decisions, and concentration risk. I help real estate investors and real estate professionals coordinate a clear plan for liquidity, investing, and long-term wealth.
For Real Estate Professionals:
I work with you on your personal plan and investments and client education or transaction-adjacent strategy.
Whether you're a Realtor, team leader, lender, or other professional, your financial life is uniquely complex:
- Variable & cyclical income and taxes.
- "Feast-or-famine" cash flow and reserves planning.
- Investing decisions alongside business reinvestment.
- Concentrated exposure (local market + your business + your personal real estate)
- Timing big moves: buying a home, scaling a team, taking distributions, considering retirement.
Some clients start with personal planning; others start with a deal-specific question. Either way, the goal is one coordinated strategy.
For Real Estate Investors:
Real estate investing is often a capital-allocation problem designed as a property search.
If you're building a real estate portfolio, you're making repeated decisions about:
- Liquidity (how much cash you keep vs. deploy).
- Financing (terms, rates, repayment path, risk controls).
- Portfolio impact (what you buy and when affects the rest of your balance sheet).
- Timelines (rehab, rent-up, refinance, sale).
- Taxes and exit considerations (coordinated with your tax/legal professionals).
I help investors coordinate these decisions into one plan so acquisitions don't create unintended pressure elsewhere.
What sets my approach apart:
- A disciplined, standards-based process: Your situation is unique and your planning and investing should reflect that.
- Aligned Investment Management: Investment portfolios coordinated with real estate income and investments.
- Hands-on Risk Management: Mitigation of risks associated with fluctuating income and inconsistent deal timing.
- Tax Focused Outcomes: It's not what you earn, it's what you keep. Identification of optimal tax strategies and direct coordination with your tax professional.
- Direct access, fast coordination: Direct coordination with every member of your team - CPA, Attorney, Insurance Agent, Lender, etc.
- Values-driven, plain-English advice: Clear numbers, timelines, and next steps on every engagement.
Securities Agent: IL, AZ, NY, DC, MD, WA, VA, CA, OH, ID, DE, TX, NJ, GA, MI, IA, AL, SC, PA, NC, FL, MT, MN, KY, CO, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 2588312
NMLS#: 2588312
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Sophisticated Strategies for Real Estate Investors
We specialize in assisting real estate investors with intelligently structuring their transactions:
- Access existing liquidity (in existing property investments, retirement vehicles, and other portfolios).
- Benefit from investment portfolio and real estate portfolio growth simultaneously.
- Structuring the portfolio to take full advantage of tax benefits (coordinating with CPA where needed)
- Planning for asset disposition that minimizes the tax liability.
Below are the investor profiles we work with most often and how we can assist in scaling their business:
- Target LTV and collateral mix
- Down Payment via pledged asset line
- Cash-offer readiness in 48-72 hours
- Reserve policy and drawdown guardrails.
- Purchase/rehab draw schedule tied to ARV.
- Refinance underwriting assumptions and timing.
- Rent-up stress tests and carry cost caps.
- Paydown plan post-refi and cash-out.
- Milestone-based SBL draws
- Interest-carry budget and max exposure.
- Contractor timeline and exit triggers.
- Post-sale payoff plan.
- Coordinate SBL with business seasonality.
- Distribution-aligned repayment timelines.
- Liquidity buffers for payroll/taxes.
- Consolidated cash-flow and risk dashboard.
- Cash-offer via portfolio line of credit.
- 45/180-day timeline coordination.
- CPA/QI collaboration.
- Replacement-property modeling.
- Starter LTV and liquidity rules.
- Collateral selection and diversification check.
- First-deal pro forma and sensitivity.
- Step-by-step draw/repayment checklist.
- Blend HELOC/DSCR with portfolio line of credit.
- Collateralize to reduce rate/points and speed closing.
- Model true APR: rate, fees, carry, and timelines.
- Chose the stack with the lowest total cost of capital.
- Ohio/Midwest lender and title networks on call.
- Familiar with Midwest rent, vacancy, and DSCR norms.
- Virtual onboarding and secure document flow nationwide.
- Local partners when you need boots on the ground.
Rental Property Owners (Single-Family & Multifamily)
Use a pledged-asset line for down payments or cash offers while your investments stay invested.
Frequently Asked Questions:
Can I use SBL for multiple properties at once? Yes. We model collateral mix and draw sequencing so you stay within guardrails.
Does SBL affect DSCR underwriting? Usually not. We plan around lender requirements.
BRRRR (Buy, Rehab, Rent, Refi, Repeat) Investors
Structure SBL draws for purchase and rehab, then repay post-refi.
Frequently Asked Questions:
Can SBL cover both purchase and rehab? Yes. We map draws to milestones and ARV.
What if the refi takes longer than expected? We stress-test timelines and build buffers.
Fix-and-Flip Operators
Short holds demand tight cash control.
Frequently Asked Questions:
Can SBL replace hard money? Often yes, and usually at a lower blended cost.
What if the flip goes over budget? We build contingency triggers and max-exposure caps.
Business Owners Investing on the Side
Coordinate business cash flow with SBL guardrails.
Frequently Asked Questions:
Can SBL help avoid pulling cash from the business? Yes. That's one of the biggest benefits.
What if my income is seasonal? We align repayment to your distribution cycle.
1031 or 721 Exchange Planners
Combine SBL for speed with tax-efficient exits.
Frequently Asked Questions:
Can SBL fund earnest money deposits? Yes - we model carry costs and payoff timing.
Do you coordinate with my QI? Yes, coordination is part of our process.
Preparing Your First Acquisition (First Time SBL Users)
Start safely with proven guardrails.
Frequently Asked Questions:
How fast can I get my first draw? Often 14-21 days depending on documentation.
What if I'm nervous about leverage? We start conservatively and build confidence through modeling.
Optimize Total Cost of Capital (SBL + HELOC + DSCR)
Blend tools for the lowest all-in cost.
Frequently Asked Questions:
Can I combine multiple funding sources? Yes, we model both APR and timing.
How do I know which stack is cheapest? We calculate true APR including fees, carry, and timelines.
Nationwide Support, Midwest Expertise (Dayton, Cincinnati, Columbus)
We work with investors across the U.S. and bring Midwest deal sense and lender/title relationships to every engagement. You get a smooth virtual process plus regional know-how when it helps underwriting, timelines, and execution.
Frequently Asked Questions:
Do you work outside of Ohio? Yes, we have a nationwide client base.
Do local norms matter? Yes, especially for DSCR, rent assumptions, and timelines.
A Financial Plan That Fits Your Life
You don't need to be a full-time real estate investor—or work in real estate—to benefit from a clear, coordinated plan.
Many people are navigating big decisions in real time:
- Buying or selling a home
- Building long-term investments alongside day-to-day life
- Managing debt intentionally (without turning your plan into a payment schedule)
- Planning for taxes, career changes, family milestones, and retirement
- Making sure the next "big move" doesn't create pressure everywhere else
I help individuals and families build a repeatable system for cash flow, investing, and decision-making—so your plan stays steady even when life isn't.
Who This Is For
This page is for you if you want clarity and structure, including:
- Individuals and families building wealth: People with busy lives and real decisions to make.
- Dual-income households: People who want a coordinated plan and cleaner "rules".
- High earners: People who want taxes, investing, and goals aligned.
- Professionals with employer stock / equity compensation: People who want to reduce concentration risk and plan proactively.
- Pre-retirees and retirees: People who want an income plan, a tax-aware rhythm, and confident next steps.
- People who've "done a lot of things right": People who've done the hard work, but want everything coordinated.
If you want plain-English planning, clean numbers, and a clear next step++,++ you're in the right place.
Common Problems We Solve
Most people don't need more information—they need a structure they can run year-round.
Common friction points:
- Cash builds up, but you're unsure what to do with it (and it sits idle; or doesn't earn a competitve rate).
- Investing is inconsistent because life and income aren't perfectly predictable.
- Taxes feel like something that "happens" once a year instead of something you're planning for.
- You've accumulated accounts, but nothing is coordinated (and decisions feel scattered).
- You want to buy a home or upgrade, but you're unsure what's safe.
- You're concentrated in one company/sector/real estate and want smarter risk management.
What We Build: A Practical, Repeatable System
Cash Flow + Liquidity Rules: A plan for what stays liquid, what gets invested, and what stays available for opportunity.
- Investment Strategy + Implementation: A portfolio aligned to your goals, timeline, and risk tolerance—then monitored and rebalanced.
- Tax-Aware Planning (Year-Round): Not "tax prep." A proactive rhythm that helps reduce surprises and supports smarter decisions (in coordination with your CPA when needed).
- Protection + Contingency Planning: Reserves, insurance coordination, and scenario planning so one curveball doesn't derail the plan.
- Big-Decision Support: Home purchase timing, debt payoff vs. invest, career transitions, inheritance planning coordination, retirement timing, and more—always tied back to the bigger picture.
What Working Together Feels Like
- Plain-English advice: clear numbers, timelines, and next steps.
- Disciplined process: standards-based planning customized to your life.
- Coordination: we collaborate with your CPA, attorney, insurance professional to ensure everything is aligned.
A Good Fit For Those Seeking:
- A plan you can actually follow.
- A single, coordinated strategy (not scattered accounts and conflicting advice).
- A thoughtful approach to risk, taxes, and liquidity.
Location
4380 Buckeye Lane
Suite 200
Beavercreek, OH 45440
US
Direct:
(937) 431-7876(937) 431-7876
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
Lynn King
Family Office Resources Generalist
Kimberly Emerson
Private Banker
Joshua Gilbert
Private Banker
About Kimberly Nute Jones
Kimberly is a Vice President and Financial Planning Director serving Morgan Stanley’s Private Wealth Management offices in Illinois, Indiana, Michigan, Minnesota and Pennsylvania. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Kimberly began her career in financial services in 1991 and joined Morgan Stanley in 2012. Prior to her current role, Kimberly was a Senior Executive Financial Planner at Goldman Sachs Ayco in Deerfield, Illinois and an Associate Vice President and Financial Advisor in Morgan Stanley’s Oak Brook Illinois complex. Kimberly currently serves on Morgan Stanley’s Great Lakes Region Diversity Council and is a member of several firm-led affinity groups. She is an active member of Women Investment Professionals (WIP), and the Association of African American Financial Advisors (Quad A).
Kimberly currently serves on the Museum of Science and Industry’s Black Creativity Advisory Council, sit on various national and local committees for the National Coalition of 100 Black Women, and plans events for Go Fish NFP, a nonprofit organization started by her children.
Kimberly earned her Bachelor of Science degree in Financial Counseling and Planning from Purdue University, West Lafayette, Indiana, Master's degree in Education with distinction from Saint Xavier University in Chicago, and Certified Financial Planning certificate program from Northwestern University School of Professional Studies, Evanston, Illinois. She currently holds her Certified Financial Planner® designation. Kimberly lives in Flossmoor, Illinois with her husband, two children and their dog. In her spare time, Kimberly enjoys doing genealogical research and traveling with her family and friends.
Kimberly began her career in financial services in 1991 and joined Morgan Stanley in 2012. Prior to her current role, Kimberly was a Senior Executive Financial Planner at Goldman Sachs Ayco in Deerfield, Illinois and an Associate Vice President and Financial Advisor in Morgan Stanley’s Oak Brook Illinois complex. Kimberly currently serves on Morgan Stanley’s Great Lakes Region Diversity Council and is a member of several firm-led affinity groups. She is an active member of Women Investment Professionals (WIP), and the Association of African American Financial Advisors (Quad A).
Kimberly currently serves on the Museum of Science and Industry’s Black Creativity Advisory Council, sit on various national and local committees for the National Coalition of 100 Black Women, and plans events for Go Fish NFP, a nonprofit organization started by her children.
Kimberly earned her Bachelor of Science degree in Financial Counseling and Planning from Purdue University, West Lafayette, Indiana, Master's degree in Education with distinction from Saint Xavier University in Chicago, and Certified Financial Planning certificate program from Northwestern University School of Professional Studies, Evanston, Illinois. She currently holds her Certified Financial Planner® designation. Kimberly lives in Flossmoor, Illinois with her husband, two children and their dog. In her spare time, Kimberly enjoys doing genealogical research and traveling with her family and friends.
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.
About Lynn King
Lynn R. King is a Family Office Resource Generalist for the Mid-America region. She has over 15 years of experience working with families, family offices, and their attorneys, CPAs and financial advisors on issues unique to the UHNW client. Lynn started her career as an attorney in Illinois working with closely held businesses across the country on a broad range of topics, including entity structuring, estate planning, business succession and tax. She then joined New York Life Insurance as a Corporate Vice President in their Advanced Planning Group. In this role she expanded on her experience from private practice and engaged with clients on complex business and personal planning needs.
Lynn joined Morgan Stanley in September of 2020. As the Family Office Resource Generalist, Lynn provides advice and strategies to UHNW families. To that end, she assists families with the creation of family mission statements. She also educates adults and children on how to be good stewards of generational wealth. She engages with resources in philanthropy, wealth and estate planning and trust management to ensure the UHNW clients of the Firm are able to accomplish their goals.
Lynn received her undergraduate degree in Finance and Political Science from the University of Illinois- Urbana-Champaign. She attended The John Marshall Law School in Chicago, Illinois where she obtained her Juris Doctorate (J.D.) and is licensed to practice law in Illinois. She also holds her Series 7 and 66.
Lynn joined Morgan Stanley in September of 2020. As the Family Office Resource Generalist, Lynn provides advice and strategies to UHNW families. To that end, she assists families with the creation of family mission statements. She also educates adults and children on how to be good stewards of generational wealth. She engages with resources in philanthropy, wealth and estate planning and trust management to ensure the UHNW clients of the Firm are able to accomplish their goals.
Lynn received her undergraduate degree in Finance and Political Science from the University of Illinois- Urbana-Champaign. She attended The John Marshall Law School in Chicago, Illinois where she obtained her Juris Doctorate (J.D.) and is licensed to practice law in Illinois. She also holds her Series 7 and 66.
About Kimberly Emerson
Kimberly Emerson is a Private Banker serving Morgan Stanley 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.
Kimberly began her career in financial services in 2001, and joined Morgan Stanley in 2015. Prior to joining the firm, she was a Private Banking Relationship Manager at FC Bank. Kimberly has also been a Wealth Management Banker at Merrill Lynch, as well as a Private Banking Relationship Manager at Fifth Third and KeyBank.
Kimberly is a graduate of Ohio Dominican University where she received a Bachelor of Arts in Business Administration. She and her family reside in Blacklick, Ohio. Outside of the office, Kimberly enjoys sporting events, concerts, and spending time with her family.
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.
Kimberly began her career in financial services in 2001, and joined Morgan Stanley in 2015. Prior to joining the firm, she was a Private Banking Relationship Manager at FC Bank. Kimberly has also been a Wealth Management Banker at Merrill Lynch, as well as a Private Banking Relationship Manager at Fifth Third and KeyBank.
Kimberly is a graduate of Ohio Dominican University where she received a Bachelor of Arts in Business Administration. She and her family reside in Blacklick, Ohio. Outside of the office, Kimberly enjoys sporting events, concerts, and spending time with her family.
NMLS#: 767178
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
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.
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.
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.
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.
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.
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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.
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
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
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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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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
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Zachary Winning today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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.
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.
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For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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.
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)
