Senior Vice President, Financial Advisor, Portfolio Management Director, Family Wealth Advisor
Phone:
(253) 593-5033(253) 593-5033
11th Bridge Group at Morgan Stanley
Direct:
(253) 593-5000(253) 593-5000
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Upcoming Firm Events
We hope you will join us for this upcoming event.
U.S. Policy Pulse: Trump 2.0 and the Markets
DATE: February 25, 2025 at 4:15 p.m. ETJoin Morgan Stanley Wealth Management Chief Investment Officer, Lisa Shalett, on Tuesday, February 25, for a conversation with Chief Economic Strategist and Global Head of Thematic and Macro Investing, Ellen Zentner, and Head of U.S. Public Policy, Monica Guerra, on the top policy and regulatory actions that could impact investors in the months ahead.
CRC4192005 02/2025
Online
THE ART AND SCIENCE OF FAMILY WEALTH MANAGEMENT
Wealth Management is both an art and a science. Sound guidance requires a balance of empathy and experience. My clients benefit from my 35 years in the Financial Services Industry, my Family Wealth Advisor designation, and my disciplined approach to delivering personalized service and dedication that puts your family's best interests first. By providing highly personalized Wealth Management solutions, I am dedicated to helping you prepare for virtually all of your financial obligations and aspirations so that you may enjoy the financial independence you have worked so hard to achieve.
Step 1 : Discovery Process
This in-depth conversation provides us with the opportunity to get to know you and your family, while also discovering various aspects of your life that have an impact on your financial future. This allows us to develop strategies and customize the relationship to help best meet your needs.
Step 2: Creation of a Customized Strategic Asset Allocation
We will work with you and your family to develop an integrated plan that brings your financial situation into focus and help put your wealth to work.
Step 3: Integration of a Tactical Asset Allocation
Short-Term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we will analyze the impact of taxes and trading costs on your potential returns.
Step 4: Implementation of a Comprehensive Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from Morgan Stanley's expansive investment portfolio.
Step 5: Professional Coordination
We will liaise with your accountant and attorneys to help make sure that we are on the same page.
Step 6: Ongoing Portfolio Monitoring
We will closely monitor your savings and investment strategies over time to ensure that your plan evolves as your circumstances and priorities change.
ONLINE TOOLS AND FEATURES AVAILABLE TO YOU
Morgan Stanley strives to ensure it serves clients on its technology platforms that are resilient, safe, efficient, and smart. As a part of my services, these resources are readily available to all of my clients. Learn more about each tool and feature to see how it could easily help to manage and secure your financial journey.
Morgan Stanley Online (MSO)
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorization.
Morgan Stanley Mobile App
Securely access your Morgan Stanley account from virtually anywhere. Simply download it on your mobile device and use your Morgan Stanley Online username and password to log in. From there you will have the resources of MSO on the go.
Goals Planning System
As a Morgan Stanley client with a Goals Planning System (GPS) retirement plan, you can now access and view your plan's status and progress on Morgan Stanley Online (MSO) and Morgan Stanley Mobile (MSM).
Portfolio Risk Platform
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Total Wealth View
It's hard to see the full picture with only half of the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts. Our Spending and Budgeting Tool makes it easy for you and your Financial Advisor to see your complete financial picture.
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Digital Vault
Digital Vault lets you easily and conveniently manage and share life's most important documents, such as wills, deeds, and estate plans, as well as financial statements and tax filings.
eDelivery
You shouldn't have to wait for important paperwork like statements, tax documents, or trade confirmations. With eDelivery, you'll get email notifications as soon as they're available on Morgan Stanley Online.
eAuthorizations
eAuthorizations allows you to approve transactions electronically and securely on Morgan Stanley Online and the Morgan Stanley Mobile App.
TOP SERVICES & RESOURCES
I will provide you with a wide array of services and resources centered around your financial goals. I will also create customized strategies to help meet your needs and provide access to specialists to help pursue specific goals.
Financial Planning
We are here to help reduce the stress around financial decisions by offering knowledge and thoughtful guidance. As your life stage changes, so do your goals. Our platform allows you to look across your assets and liabilities to help you adapt your strategy to meet those changing demands. Whether it is saving for retirement and other expenses, securing retirement income, healthcare planning, taxes, education, or legacy planning, we are here for you.
Retirement Planning
Planning for retirement has never been easy, but in recent years, it has become increasingly difficult. We are here to help you create a well-rounded planning approach for retirement. We will help you identify your personal goals, track your progress toward achieving them, and work together to create a customized plan.
Sustainable Investing
For us at Morgan Stanley, it is abundantly clear that the solutions to global challenges can only achieve the required scale if they can attract a critical mass of private capital. To this end, we've established the Morgan Stanley Institute for Sustainable Investing to lead work across our firm, with our clients, and with academic institutions to help mobilize capital to sustainable enterprises, via global markets and the investors who drive them.
Professional Portfolio Management
We study investment trends and leverage the global resources of Morgan Stanley to help you develop a personalized investment strategy. We will develop a customized portfolio to meet your requirements for growth, income, and wealth preservation within your risk constraints.
Divorce Financial Analysis
Financial Planning after a divorce can be trying, but with the right approach and the right advice, you could turn a difficult situation into empowerment.
The Private Wealth Organizer
Keeping important documents and financial records organized and readily available is one of the best gifts you could give those you love. In the event of a catastrophe or serious illness, disability or death, your Private Wealth Organizer can immediately provide vital and timely information to both your family and professional advisors.
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
On The Markets Monthly Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Research & Insights
Through timely, in-depth analysis of companies, industries, markets, and world economies, Morgan Stanley has earned its reputation as a leader in the field of investment research.
Featured Ideas
View Morgan Stanley Featured Ideas for our perspective on what's shaping the world today, and tomorrow.
2023 Income Tax Tables
Federal Tax Information for 2023, including Income Tax Tables, Contribution Limits, Deadlines, etc.
Cybersecurity: Protecting Your Data
Over the years, cybercriminals have become more sophisticated and employed increasingly complex ways to infiltrate your accounts. As the threat of cybercrime continues to intensify, your digital safety has never been more critical.
Location
1301 A Street
Suite 300
Tacoma, WA 98402
US
Direct:
(253) 593-5000(253) 593-5000
Meet 11th Bridge Group
Phone:
(253) 593-5031(253) 593-5031
Jen Geisler
Registered Client Service Associate
Phone:
(253) 597-7584(253) 597-7584
About Poonum Vasishth
With more than 25 years of experience in the financial services industry, Poonum helps clients weave various pieces of their financial life into a cohesive wealth management plan that incorporates their values, beliefs, and goals. She is especially adept at assisting clients in handling difficult life transitions and initiating productive conversations about family wealth.
Having earned her Family Wealth Advisor designation from Morgan Stanley’s Institute of Family Wealth Management, Poonum possesses the sensitivity and skills needed to work closely with families and individuals. She is able to understand her clients’ circumstances and not just their finances. She focuses on both their individual and collective goals and how they may impact one another and addresses their unique wealth management requirements.
Prior to joining Morgan Stanley in 2010, Poonum was a Financial Advisor at LPL Financial. She earned her Bachelor’s degree in Business Administration with a concentration in Finance from Pacific Lutheran University.
Having earned her Family Wealth Advisor designation from Morgan Stanley’s Institute of Family Wealth Management, Poonum possesses the sensitivity and skills needed to work closely with families and individuals. She is able to understand her clients’ circumstances and not just their finances. She focuses on both their individual and collective goals and how they may impact one another and addresses their unique wealth management requirements.
Prior to joining Morgan Stanley in 2010, Poonum was a Financial Advisor at LPL Financial. She earned her Bachelor’s degree in Business Administration with a concentration in Finance from Pacific Lutheran University.
Securities Agent: HI, ME, WI, MT, CO, WA, OR, GA, FL, IN, VT, AL, VA, NY, ID, DC, WY, UT, AK, NV, MD, AZ, TX, OH, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1295595
NMLS#: 1295595
About Taylor Boss
Taylor Boss became a financial advisor to improve the quality of life of the community that he serves. His approach is to treat every client as he would a family member. It’s important to note that he loves his family! He asks, what is important to the client? What are their values? How can he incorporate those things they hold most dearly into their financial plan? Helping people connect those dots and put a financial plan into action is what he enjoys the most about this profession. He works hard to make sure that his clients are happy, and he does it with a smile.
In 2020, Taylor became Series 7 & Series 66 licensed, and he was brought on to Morgan Stanley in April 2023. He joined a team of two deeply knowledgeable and experienced financial advisors, John Knight and Poonum Vasishth, who share over 50 years of practice between them.
He graduated from Washington State University with degrees in International Business and Spanish. During his college years he became passionate toward travel, language, and culture. He took a year abroad to immerse himself in Latin American culture, teaching and working in Peru, Chile, and Colombia. In total he has traveled to 15 countries across the globe. He is also a lifelong musician, having done everything from drumline at Bellarmine to playing shows in the Seattle music scene.
Taylor now lives with his wife, Leslie, in Tacoma, where they both met and grew up together. They enjoy lounging with their cats, cooking new recipes, and playing cards with their parents. Taylor is family-oriented and spends his time with the people he loves most: his wife, parents, and friends. He loves hosting parties to celebrate birthdays, holidays, and good weather. Several hobbies that occupy his time and money are golf, home improvement, travel, and music.
In 2020, Taylor became Series 7 & Series 66 licensed, and he was brought on to Morgan Stanley in April 2023. He joined a team of two deeply knowledgeable and experienced financial advisors, John Knight and Poonum Vasishth, who share over 50 years of practice between them.
He graduated from Washington State University with degrees in International Business and Spanish. During his college years he became passionate toward travel, language, and culture. He took a year abroad to immerse himself in Latin American culture, teaching and working in Peru, Chile, and Colombia. In total he has traveled to 15 countries across the globe. He is also a lifelong musician, having done everything from drumline at Bellarmine to playing shows in the Seattle music scene.
Taylor now lives with his wife, Leslie, in Tacoma, where they both met and grew up together. They enjoy lounging with their cats, cooking new recipes, and playing cards with their parents. Taylor is family-oriented and spends his time with the people he loves most: his wife, parents, and friends. He loves hosting parties to celebrate birthdays, holidays, and good weather. Several hobbies that occupy his time and money are golf, home improvement, travel, and music.
Securities Agent: DC, TX, CO, GA, WI, MD, ID, HI, NV, IN, CA, UT, AZ, WA, VT, MT, FL, AK, ME, WY, VA, OR, OH, NY, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 2490366
NMLS#: 2490366
About Jen Geisler
Jen Geisler was born and raised in the Pacific Northwest, and no matter where her curiosities take her, she always winds up back at home. After venturing to Australia to earn a Bachelor of Arts, she sailed the world on cruise ships, working in entertainment as a Production Manager. When her sea legs gave out, she came back home, studied graphic technologies, and worked as a Media Developer, creating and designing marketing presentation materials.
Jen joined the Financial Industry in 2019 as a Relationship Manager with Bank of America, earned her Series 7 and Series 66 licenses in 2021, and joined the Morgan Stanley team to continue helping others shape a more confident financial future.
Jen loves to adventure in her backyard and beyond, hiking at Mt. Rainier, paddle boarding Puget Sound, and always has plans in the works to visit more National Parks across the nation.
Jen joined the Financial Industry in 2019 as a Relationship Manager with Bank of America, earned her Series 7 and Series 66 licenses in 2021, and joined the Morgan Stanley team to continue helping others shape a more confident financial future.
Jen loves to adventure in her backyard and beyond, hiking at Mt. Rainier, paddle boarding Puget Sound, and always has plans in the works to visit more National Parks across the nation.
Contact Poonum Vasishth
Contact Taylor Boss
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
Wilson Calansingin
Associate Private Banker
About Wilson Calansingin
Wilson Calansingin is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Washington State.
Associate Private Bankers partner with Private Bankers and 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.
Wilson began his career in financial services in 2006, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
Wilson is a graduate of Ateneo de Manila University, where he received a Business Management degree with a focus in Finance. He lives in Tacoma, Washington. Outside of the office, Wilson enjoys golfing.
Associate Private Bankers partner with Private Bankers and 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.
Wilson began his career in financial services in 2006, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
Wilson is a graduate of Ateneo de Manila University, where he received a Business Management degree with a focus in Finance. He lives in Tacoma, Washington. Outside of the office, Wilson enjoys golfing.
NMLS#: 711776
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
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
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
Are You Prepared for Tax Day?
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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
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
Ready to start a conversation? Contact 11th Bridge Group today.
1Morgan 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.
2Morgan 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.
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.
5The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
6Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Municipal 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.
9Physical precious metals are non-regulated products. Precious metals are speculative investments, which may experience short-term and long-term price volatility. The value of precious metals investments may fluctuate and may appreciate or decline, depending on market conditions. If sold in a declining market, the price you receive may be less than your original investment. Unlike bonds and stocks, precious metals do not make interest or dividend payments. Therefore, precious metals may not be appropriate for investors who require current income. Precious metals are commodities that should be safely stored, which may impose additional costs on the investor. The Securities Investor Protection Corporation (“SIPC”) provides certain protection for customers’ cash and securities in the event of a brokerage firm’s bankruptcy, other financial difficulties, or if customers’ assets are missing. SIPC protection does not apply to precious metals or other commodities.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
2Morgan 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.
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.
5The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
6Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Municipal 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.
9Physical precious metals are non-regulated products. Precious metals are speculative investments, which may experience short-term and long-term price volatility. The value of precious metals investments may fluctuate and may appreciate or decline, depending on market conditions. If sold in a declining market, the price you receive may be less than your original investment. Unlike bonds and stocks, precious metals do not make interest or dividend payments. Therefore, precious metals may not be appropriate for investors who require current income. Precious metals are commodities that should be safely stored, which may impose additional costs on the investor. The Securities Investor Protection Corporation (“SIPC”) provides certain protection for customers’ cash and securities in the event of a brokerage firm’s bankruptcy, other financial difficulties, or if customers’ assets are missing. SIPC protection does not apply to precious metals or other commodities.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)