Adam M Tzagournis
Executive Director, Financial Advisor, Portfolio Management Director
Phone:
(614) 798-3220(614) 798-3220
Adam M Tzagournis, CFA®
Executive Director,
Financial Advisor,
Senior Portfolio Management Director
Direct:
(614) 798-3220(614) 798-3220
Toll-Free:
(800) 457-0025(800) 457-0025
My Mission Statement
Working with you to help preserve and grow wealth for your long-term goals
About Us
Our group is a highly experienced wealth management team serving a select number of individuals, families, and businesses. Our clients come to us with a degree of financial complexity. Our commitment to our clients is demonstrated through three core principles: Professional Competence, A Collaborative Approach, and High-Level Service.
Working With You
- We place the highest priority on your financial success. Morgan Stanley has meaningful intelligence about every major asset class and a presence in every major market, as well as investment research from some of the world’s most respected analysts.
- Our accessible, responsive team of professionals listens to you to understand your priorities and we work together to formulate a strategy to help you achieve your most important goals. We deliver a carefully curated suite of resources in the way that is most appropriate for how you invest and what you want to achieve.
- We provide comprehensive, customized financial plans and investment strategies for your trusts, brokerage, IRA, Roth IRA, retirement plans and 529 college savings plans. We also craft cash management and lending solutions, life Insurance, estate planning strategies to fit your unique situation.
Services Include
Securities Agent: MA, AL, WA, PA, OH, MI, LA, GA, VA, UT, MO, MD, IL, CO, CA, NV, MT, MN, IA, SC, ID, OR, NY, NJ, NC, KS, AZ, TX, FL, WV, RI, DE, CT, WI, TN, ME, KY, IN, OK, DC; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1290698
NMLS#: 1290698
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Practical Solutions
We specialize in helping clients make important decisions during their most challenging life transitions. We listen intently and craft an integrated, personalized plan for navigating your unique situation.
Retirement
Have I saved enough to retire? What will I do about healthcare? What will I do now that I’m not going to work every day?
Marriage or Divorce
If I’m getting married, how do we combine our finances? Is a prenup a good idea? If we are parting ways, how do I make sure assets are divided fairly? Who gets the chihuahua?
Business Ownership Transitions
I've spent my life building a business and now what? Should I sell or pass on to the next generation? Will there be enough proceeds after taxes to meet my needs?
Career Moves
How do I evaluate new job opportunities? What if I lose my job? How do I live while I look for a new one? How do I know if the new one is right for me?
Investing in Turbulent Conditions
The market is affected by so many factors – inflation, monetary policy and global happenings. How do I know what mix of investments is best for me? Should I buy and hold or keep changing the strategy?
Death and Taxes
How can I reduce my overall tax bill? Will there be estate tax due when I’m gone? How do I make sure my wishes are honored when I pass?
Managing Risk
“It’s not what you make, it’s what you keep.” Helping grow and preserve wealth are two sides of the same coin. We work with you to mitigate risk in your portfolio and in your personal situation; help balance this with your desire to grow your assets.
Portfolio Review
• Discuss investment risk to understand your feelings about portfolio ups and downs.
• Develop a plan seeking preservation coupled with growth over time.
• Analyze how adverse market conditions affect your long-term spending and savings plan.
• Integrate various assets into the overall investment strategy, including retirement plans and employer stock plans.
• Construct an investment plan that incorporates the concepts of diversification, active and passive investing and instruments that don’t move with the stock market.
• Develop a plan seeking preservation coupled with growth over time.
• Analyze how adverse market conditions affect your long-term spending and savings plan.
• Integrate various assets into the overall investment strategy, including retirement plans and employer stock plans.
• Construct an investment plan that incorporates the concepts of diversification, active and passive investing and instruments that don’t move with the stock market.
Cybersecurity, identity Theft, Safety and Documentation
• Set strategy for identity theft protection.
• Collect a record of safes, storage units and safe deposit boxes as well as accessibility for each.
• Make a record of all accounts, computer files, passwords, photos of personal property, inventory of vehicles and confirmation of financing and ownership.
• Collect a record of safes, storage units and safe deposit boxes as well as accessibility for each.
• Make a record of all accounts, computer files, passwords, photos of personal property, inventory of vehicles and confirmation of financing and ownership.
Retirement Planning
• What is your vision of retirement, including where and when?
• Make a retirement spending plan. What income sources will replace your paycheck in retirement?
• Establish monthly savings and spending strategies.
• Analyze and decide on the best strategy for taking Social Security benefit
• Make a retirement spending plan. What income sources will replace your paycheck in retirement?
• Establish monthly savings and spending strategies.
• Analyze and decide on the best strategy for taking Social Security benefit
Estate Planning Strategies
• Update wills, executors and durable powers of attorney.
• Put in place advance medical directives and living wills.
• Engage a specialist for more sophisticated estate planning, such as charitable and family legacy strategies.
• Consider the use of trusts to help protect assets from the impact of taxes*.
*Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
• Put in place advance medical directives and living wills.
• Engage a specialist for more sophisticated estate planning, such as charitable and family legacy strategies.
• Consider the use of trusts to help protect assets from the impact of taxes*.
*Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
Our Suite of Digital Tools
Digital technology is centered on how people communicate, consume, transact and travel. Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll Today
Digital Vault
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Learn MoreKeeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn More
529 Education Savings Plans
529 plans offer a flexible, tax-advantaged way to invest for education expenses while helping to improve estate planning. Gain fiduciary oversight of your education funding strategy within the context of your broader portfolio through the exclusive Morgan Stanley National Advisory 529 Plan.
529 Plan Options at Morgan StanleyOutlooks & Updates
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
Estate Planning Essentials: 7 Key Steps
Creating an estate plan can help protect your wealth and prevent hardship for your heirs.
Click Here to Learn More
Thinking About Your Legacy? Why You May Need a Trust
You can’t take it with you, but through a trust, you can define how you want your life’s work and wealth to continue to benefit the people and causes you love and care for.
Click Here to Learn More
Your Guide to Tax-Efficient Planning
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan.
Click Here to Learn More
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Click Here for the "GIC Weekly"Location
545 Metro Place South
Suite 300
Dublin, OH 43017
US
Direct:
(614) 798-3220(614) 798-3220
Toll-Free:
(800) 457-0025(800) 457-0025
Fax:
(614) 798-9304(614) 798-9304
Meet My Team
Linda A Gause, CFP®
Institutional Consulting Relationship Manager
Phone:
(614) 798-3243(614) 798-3243
Ryan O'Rourke
Registered Client Service Associate
Phone:
(614) 798-3281(614) 798-3281
About Adam M Tzagournis
Adam Tzagournis is an Executive Director, Portfolio Management Director and Financial Advisor at Morgan Stanley. He holds the CFA® designation and has over 30 years of wealth management experience and has been with the firm since 1995. Adam is the author of many newsletters, articles and a book, The Economic Conundrum.
Adam took a keen interest in investing at a young age and has been a student of the financial markets ever since. He started working at his uncle's drug store when he was 8 years old, and his father would invest Adam’s savings in stocks. His father explained how investing worked, how to track stock prices in the newspaper, and suggested company news stories to read. Adam continued to pursue his passion for financial knowledge by earning a business degree in college. After graduation, he trained to become a Financial Advisor and later earned the Chartered Financial Analyst (CFA) designation and Certified Portfolio Manager designation from Columbia University.
Adam is a graduate of the Ohio State University with a Bachelor’s degree in Business Administration. He has served Morgan Stanley in a number of national leadership roles including the firm’s Chairman’s Council, the Social Media Board, Environmental Social and Governance (ESG) Champions, the Portfolio Management Advisory Board and the Financial Advisors Advisory Council.
Adam gives back to the community by being actively involved with the James Cancer Hospital and the International Orthodox Christian Charities. He also serves on the Leadership 100 Board of Trustees.
He has been married to his wife, Marilyn, for over 35 years, and they have three adult children and a grandchild, all residing in Dublin, Ohio. Adam comes from a large extended Greek family and almost all of whom live in the area and frequently see each other.
In his free time, Adam enjoys participating in activities that highlight his Greek culture, engaging in philanthropic activities, taking courses at his alma mater, Ohio State University and playing tennis.
Adam took a keen interest in investing at a young age and has been a student of the financial markets ever since. He started working at his uncle's drug store when he was 8 years old, and his father would invest Adam’s savings in stocks. His father explained how investing worked, how to track stock prices in the newspaper, and suggested company news stories to read. Adam continued to pursue his passion for financial knowledge by earning a business degree in college. After graduation, he trained to become a Financial Advisor and later earned the Chartered Financial Analyst (CFA) designation and Certified Portfolio Manager designation from Columbia University.
Adam is a graduate of the Ohio State University with a Bachelor’s degree in Business Administration. He has served Morgan Stanley in a number of national leadership roles including the firm’s Chairman’s Council, the Social Media Board, Environmental Social and Governance (ESG) Champions, the Portfolio Management Advisory Board and the Financial Advisors Advisory Council.
Adam gives back to the community by being actively involved with the James Cancer Hospital and the International Orthodox Christian Charities. He also serves on the Leadership 100 Board of Trustees.
He has been married to his wife, Marilyn, for over 35 years, and they have three adult children and a grandchild, all residing in Dublin, Ohio. Adam comes from a large extended Greek family and almost all of whom live in the area and frequently see each other.
In his free time, Adam enjoys participating in activities that highlight his Greek culture, engaging in philanthropic activities, taking courses at his alma mater, Ohio State University and playing tennis.
Securities Agent: MA, AL, WA, PA, OH, MI, LA, GA, VA, UT, MO, MD, IL, CO, CA, NV, MT, MN, IA, SC, ID, OR, NY, NJ, NC, KS, AZ, TX, FL, WV, RI, DE, CT, WI, TN, ME, KY, IN, OK, DC; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
About Linda A Gause
Linda Gause is an Institutional Consulting Relationship Manager with over 30 years of experience in wealth management and tax accounting. She holds CPA and CFP® designations. Linda joined Morgan Stanley in 2010.
Linda began her career as a CPA in "Big Eight" public accounting. While working for Ernst & Young and KPMG, her focus was on corporate executives, business owners and financially complex individuals. She subsequently transitioned to wealth management and ran the financial planning practice of National City Corp, a predecessor firm of PNC.
One of Linda’s top priorities at Morgan Stanley is to help people overcome their fears and challenges around money. She enjoys getting to know clients and their families, and strives to understand fully their goals, values, and needs. Utilizing the firm’s vast resources and modern wealth planning tools to solve complex problems is one of Linda’s strengths. She delivers customized solutions designed to preserve and grow wealth and provides clarity to personal finances with the goal of helping clients sleep better at night. She is honored to be entrusted with the financial well-being of her clients.
Linda is very involved in her church, Saint Brigid of Kildare. She has taught 3rd grade religious education for almost 20 years and volunteers on several committees. Linda is interested in helping provide healthcare for the underserved. She has been the past chair of a regional hospital foundation and past chair of its development committee. She is also active in the Columbus Catholic Foundation Professional Advisors Group.
Linda earned a BA in Accounting from Kent State University. She has been married to her husband, Mike for 33 years and they have two adult children and two very old cats. Linda enjoys spending time in North Carolina in the mountains and at the beach. The family is passionate about the arts, and their daughter is an aspiring opera singer. She is a self-defense and physical fitness enthusiast. She practices Krav Maga and Brazilian Jiu Jitsu (currently a blue belt) and has medaled in two competitions.
Linda began her career as a CPA in "Big Eight" public accounting. While working for Ernst & Young and KPMG, her focus was on corporate executives, business owners and financially complex individuals. She subsequently transitioned to wealth management and ran the financial planning practice of National City Corp, a predecessor firm of PNC.
One of Linda’s top priorities at Morgan Stanley is to help people overcome their fears and challenges around money. She enjoys getting to know clients and their families, and strives to understand fully their goals, values, and needs. Utilizing the firm’s vast resources and modern wealth planning tools to solve complex problems is one of Linda’s strengths. She delivers customized solutions designed to preserve and grow wealth and provides clarity to personal finances with the goal of helping clients sleep better at night. She is honored to be entrusted with the financial well-being of her clients.
Linda is very involved in her church, Saint Brigid of Kildare. She has taught 3rd grade religious education for almost 20 years and volunteers on several committees. Linda is interested in helping provide healthcare for the underserved. She has been the past chair of a regional hospital foundation and past chair of its development committee. She is also active in the Columbus Catholic Foundation Professional Advisors Group.
Linda earned a BA in Accounting from Kent State University. She has been married to her husband, Mike for 33 years and they have two adult children and two very old cats. Linda enjoys spending time in North Carolina in the mountains and at the beach. The family is passionate about the arts, and their daughter is an aspiring opera singer. She is a self-defense and physical fitness enthusiast. She practices Krav Maga and Brazilian Jiu Jitsu (currently a blue belt) and has medaled in two competitions.
About Ryan O'Rourke
Ryan O’Rourke is a Client Service Associate who joined Morgan Stanley in 2022.
Ryan is new to the financial services industry but has several years’ experience as an account manager and sales associate with a national building products company.
He has worked with individuals and business owners on all aspects of integrating the company’s products into the clients’ projects. This included detailed cost projections, resource planning and product education He is a robust user of digital tools and has familiarity with many different types of technology. He enjoys assisting clients in using these tools.
Ryan has a Bachelor’s degree with a concentration in finance and communications from Kent State University. He enjoys golf, traveling and playing with his German shepherd, Lola.
Ryan is new to the financial services industry but has several years’ experience as an account manager and sales associate with a national building products company.
He has worked with individuals and business owners on all aspects of integrating the company’s products into the clients’ projects. This included detailed cost projections, resource planning and product education He is a robust user of digital tools and has familiarity with many different types of technology. He enjoys assisting clients in using these tools.
Ryan has a Bachelor’s degree with a concentration in finance and communications from Kent State University. He enjoys golf, traveling and playing with his German shepherd, Lola.
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
Kimberly Emerson
Private Banker
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
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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 Adam M Tzagournis today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning 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, charitable giving, philanthropic planning and other legal matters.
6Morgan 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.
7The 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.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning 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, charitable giving, philanthropic planning and other legal matters.
6Morgan 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.
7The 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.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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)
